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Finallt i spoke to someone who told me the debt was from 2000 and they would kindly settle for $2500 and i flipped out because this wasnt my debt! Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. I dont have a credit card, and its been 14 years since you claim I had that one . Our partners cannot pay us to guarantee favorable reviews of their products or services. Be sure you set an amount and schedule that won't strain your budget to the breaking point. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. thanks Now your phone rings multiple times a day from numbers you dont recognize. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. Our mission . .$3000. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Anyone whos what I can do to get them off me? Thanks.. This influences which products we write about and where and how the product appears on a page. You can reach us on our office telephone (386-444-3032), by fax (888-990-1460) or by clicking here to send us an email message . It's very simple: Someone contacts you often by phone, but also by text message, fax, mail or email and claims that you owe a debt. How the debt collector will report the debt to credit bureaus. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. This review was chosen algorithmically as the most valued customer feedback. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. Finance and CBS News Radio. Providian Financial Corporation was one of the leading credit card issuers in the United States when it was sold to Washington Mutual for approximately US$ 6.5 billion in October 2005. Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. Try a balance transfer card to get out of debt. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. Who are these people and what are they up. It's 2016 and there still doing this. This comment was posted by a verified customer. I want this to go away. Yet "consumers with legal representation in a debt claim are more likely to win their case outright or reach a mutually agreed settlement with the plaintiff," cites Pew's report. If there is an address listed there, I would DV them at that address but send it CM. This comment was posted by a verified customer. Close. It was for Providian credit card, out of business now, has been turned - Answered by a verified Consumer Protection Lawyer . I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. I told them I never heard of them. But if you've let it go unpaid for months, your issuer could pass it on to one of over 7,000third-party collections agencies in the U.S. If the debt is more than 3 years old, you may not be able to be sued - but some items can still be reported to credit. Further information is available in our FICO Data Privacy Policy. Once youre notified, there are a few different paths you can take to resolve the debt. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. Do you honestly think we can't get you? One of the surest ways to avoid a debt collection scam is to know all of your real or valid debt. Sometimes, debt gets shuffled from one collector to another. Submitted: 12 years ago. You cannot get away from us. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! My husband has received a letter from a Collection Agency for a Credit Card account which was closed and written off as a bad debt in 2009. . The collector must return your request before it can start trying to collect the debt again. The complaint has been investigated and resolved to the customers satisfaction. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. I called the law firm and asked them to pleas investigate this matter and get back to me. So why would I have a credit card. The card was open Dec.4th 2000-closed Sept. Consumers have 30 days from the initial communication about the debt (for example, the first letter received explaining the debt is in collections) to call the collector and ask for the debt to be verified in writing. I really dont see any ripoff. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. All rights reserved. Today I got a call that I owed $2000.00 from providian credit card. Before you make a payment on a debt, first determine whether the debt is past the. This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. I never had credit with them. Ripoff Report | Providian Review - Nationwide - Providian visa credit OLD CC COLLECTION DEBT/RIPOFF SCAM! They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. The use of this website means that you accept the confidentiality regulations and the conditions of service. Real debt collectors will often try to get payment quickly, but if your collector is being very pushy, you should be suspicious. Providian National Bank Review: They have 3 different collection IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Can collector come after me for 20-year-old debt? - Yahoo Finance After the company makes its own efforts to resolve the debt, it will eventually turn it over to a debt collections agency and be reported to the credit bureaus as a charge off, meaning the original creditor has ceased efforts to recover the debt. This will surely increase the credibility of your complaint. However, real debt collectors still have to obey the law. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. They are required to tell the other two agencies about your fraud alert. The bottom feeders are out and looking for anything they can get their hands. Past performance is not indicative of future results. Send the agency a letter by mail asking them to confirm their debt in writing. I spoke with a rude dude in a heated argument before getting the hang up with him forwarding a letter from Douglas And Associates being of Los Angeles CA.. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. ForXXX & GarXXX NEVER replied or sent me any disclosure so I could at least provide back up of payment if I ever dealt with Providianwhich it does not seem familiar to me..and I am being harassed for a debt I did not owe and further more was never on my credit report. Here is a list of our partners. Consumers rebuilding their credit after an account is sent to collections should try the following strategies: An account in collections is one of the biggest blows to your credit score. Collection Agency's: Providian Credit Card Nationwide. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. Can someone tell me who and what this company is? I have now received three phone calls since 01/06/2023. The court clerk will then attempt to reach the judgment creditor and, if their efforts fail, the money reverts to the state presumably to help widows, infants and orphans. And I have either to pay $100.00 a month till the $2000.00 is paid or pay lamp sum of $1400.00 or it will continue the judgement process to my count. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. And I have either to pay $100.00 a month till the $2000.00 is paid or pay lamp sum of $1400.00 or it will continue the judgement process to my count. The amount of time that passes before the debt is released to collections depends on the type of loan. I was a little relieved when I came on here and seen I was not the only one going through this. Nationwide *Author of original report: PS.because I forgot to mention it! To stop the contact, you would go through the same steps as if the debt was yours:Ask the collector to verify the debt, and then dispute it in writing. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. In May 2019, CFPB Director Kathy Kraningerannounced a proposalto change certain restrictions under the FDCPA, ranging from how collectors can contact consumers, when and how many times. He confirmed my name and social security number. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf If you find yourself in this situation, know you can seek free legal advice and/or pro bono counsel by looking up nonprofit legal aid organizations in your state. We believe that a truly successful business puts customers first. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. No fee for additional employee cards. She is elderly and I made sure we called them together. We believe everyone should be able to make financial decisions with confidence. I told him for what ? Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. NerdWallet strives to keep its information accurate and up to date. Our lawyers and others will respond within 24 hrs! If the agency is unsuccessful, your creditor sells your debt to a collections agency (sometimes known as a debt buyer) for pennies on the dollar. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Settle the debt for less than you owe. Same here after 11 years. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). Do your homework. The complaint has been investigated and resolved to the customers satisfaction. Be aware that they are counting on all of us to be scared of our credit rating being ruined by NOT paying for services NOT rendered! That bank no longer exists, anybody that calls you or tries to serve you any papers, you have to fight back. Providian Financial locations 3.7 Pleasanton, CA 3.8 Arlington, TX 4.1 San Francisco, CA 4.0 Sacramento, CA 4.4 Fairfield, CA 4.4 El Paso, TX 4.2 Oakland, CA Show all locations What's being discussed at Providian Financial? [br] If you want to settle for 50% of what you owe, for example, try starting at 30%. I called the number on the bill, and they gave me about 20 different number and kept telling me other people were handling the debt. Single women own more homes than single men but get lower returns here are 5 tips to change that. I do not owe anything. The proposal is described as an overhaul by industry experts with many different changes. The new balance most likely reflects the interest which is common. Both of these banks were sued by many people for deceptive banking practices. Its expected to pass by the end of the year, so consumers should pay attention to the final changes. Funny thing is it has never been on my credit report as I never had a credit card until 2007. Providian was sold in 2005 and later sold again to Chase. After evaluating the debt and coming up with a plan, its time to contact the collections agency. I think this bank went out of business years ago, or sold out to somebody else, I also just received a call from Portfolio Recovery Associates demanding payment on a supposed account I had with Providian back in 2001, I told the lady to go to hell since I never owed that money and even if I did, it's been over 11 years, The statute of limitations ran out on that debt almost 4 years ago. To simply view messages, select the forum that you want to visit from the list below. this shows you just how much companies don't care about the american pple HELLO PROVIDIAN WHO EVER YOU ARE WE ARE IN A RESESSION DUH CAN YOU HEAR ME? . I have over 8 years experience in this field and a working relationship with a law firm who specializes in cases like yours that may have them PAY YOU! I had purchased the illness protection insurance through Providian. I rec'd 2 letters today from a lawyers office with a "city marshall" heading. " Choosing the right credit card is easier than ever.

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