providian credit card put my bill in collections

When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. Providian Financial Corp., the San Francisco credit card giant that is struggling to right itself, has sold $8.2 billion in accounts, including the bulk of its upper-end platinum . How Debt Collection Scams Work. #1 Providian bank credit card 09-16-2015, 12:37 PM Today I got a call that I owed $2000.00 from providian credit card. There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. 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. . these providian [censored] are trying to go after my sick mother! TheCiti Simplicity Cardlets you pay off debt over a long period, with a 0% intro APR for 21 months on balance transfers from date of first transfer (after, 18.74% - 29.49% variable APR; balance transfers must be completed within four months of account opening). 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. I live in a bulding & too leave it at the front door is just plain stupid. It was a credit card bill that I had with Providian Financial back in 03. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to wage garnishment. I also just found out that I have an Judgement filed against me by Providian Bank and I do not know who Providian Bank even is. We called and another female operator confirmed my mom's name and birthday. Scammers like to use intimidation and fear to get payments. When evaluating offers, please review the financial institutions Terms and Conditions. How can they do this? 14 complaints closed in the last 12 months. Providian/WaMu is reporting an old SOL credit card on my credit reports. what is going on need help please. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. They said that they are going to get back to me. Our mission . You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. I have free, top notch attorneys for as long as needed. No matter which card you choose, your business will benefit from important features like: Free online expense reporting tools. According to Tayne, collectors are well-trained and have the advantage in the situation, whereas consumers are disadvantaged and may be cornered into an obligation to pay the debt in full. I need to know how to stop this, I have a disabled wife and kids to take care of and bills have to be paid. (800) 445-6500: Order New Checks. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. What financial position am I in to pay this debt? Close. She called me a 'b***h' and I hung up. Consult local counsel. Ask yourself, Do I owe the money? All Rights Reserved. The Forbes Advisor editorial team is independent and objective. So if this bank does not exist who is the money going to? You may have inadvertently reaffirmed the debt - which can now be put on your credit report. Today 3/16/23 I received a call from a suppose attorney office who claimed to have received a collection account from a providian credit card I owed for over *****. However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. Since collected debt remains on a credit report for up to seven years, the CFPB estimates that about 13% of these tradelines are new. wouldn't give us any info, and wouldn't listen . Quick Question I just got summoned for a credit card that I dont even recall was mine apparently they put on a Judgement againt me on 10/1/2007 and now i just recieved a letter from the . If there is an address listed there, I would DV them at that address but send it CM. Be sure you set an amount and schedule that won't strain your budget to the breaking point. Find out more about how 0% APR cards work andhow to make the most of your balance transfer.. Information about the Citi Simplicity Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. I did not agree to any amount as this is not my debt. What am I supposed to do with that if I cant get in touch with anyone from this bank? 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! "The best thing to do to avoid having your debt going to collections is contact the creditor to set up a payment plan or ask for reduction on the amount of debt owed," says Eweka. so you can handle it properly. Leslie H. Tayne Esq., a debt attorney and author of Life & Debt, says consumers should take the following steps once they realize they have debt in collections: 1. There is an introductory balance transfer fee of 3% or $5, whichever is greater for transfers completed within the first 4 months of account opening. Never heard from them, or any collection agency about it, which tells me they accepted the settlement payment, the agreement also, & lived up to it. Many want to immediately pick up the phone and call the creditor to explain the debt, but she says this isnt in their best interest. A female operator provided a case number and phone number of ************. The lady was so threatening, I am afraid. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. Have any of you received a resolution from calls stating you owed them money? This mini-guide will go over the following: Debt collection is the process of unpaid debts getting assigned to a collections agency. They sued me andwent to court in 04 andI did nothing about it (dumb youth). Do this as soon as you know you're going to have trouble paying your bills, and you could benefit from a lower APR, temporary forbearance or deferment, waived late fees or other accommodations depending on your financial situation. In the future, collectors may be able to communicate via email and text messages, and would be limited to seven attempts of calls per week (per debt). The collector must return your request before it can start trying to collect the debt again. Negotiating a settlement takes persuasion and caution. The new balance most likely reflects the interest which is common. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. I am not going to send mone to someone i do not even know. I was issued a court order from ForXXX & GarXXX pertaining to a Providian bill I do not owe. If your debt has not gone to collections yet, one option to help you save tons on interest and pay it off more quickly is to use a balance transfer credit cardthat offers 0% interestfor a certain length of time (anywhere from six to 21 months). The complaint has been investigated and resolved to the customers satisfaction. That means that at the end of seven years, no matter how many times the debt was resold and re-reported, its likely the debt will be deleted from a credit report. No matter which route you take, make sure you get the agreement between you and the debt collector in writing to ensure both parties stick to the plan. Do your homework. If they cause my mother any more stress lord have mercy! This comment was posted by a verified customer. If it's not, you have three main options to pay off a debt in collections: This option can help you pay off the debt in a manageable way. Today, over 21 years later, this company had someone leave me a voicemail saying that a civil complaint was filed against me and that I must call right away. This review was chosen algorithmically as the most valued customer feedback. That's ugly". Im not a fan of making the first offer.. My bank account is now almost $1000 over drawn and there is nothing I can do about it. I just got a call from a collection agency that stated I owed roughly $2400 for a CC I never had (eyes rolling)how are they able to do this without oversight and accountability? 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. The debt is over 3 years past the SOL. Until today. You are past-due, or delinquent, on your bills and your card issuer's collections representative calls you to pay your overdue balance. But in case you are among the 1 in 3 Americans with delinquent debt, it's worth knowing how debt collection works, understanding your rights and how to get help when you need it. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. They guy was sooo rude & said that he advises me to get a lawyer. More details on software and accessibility are available at WebAIM.org. I'm having difficulty with contacts in order to get to the bottom off this. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. I just received a letter from a collection agency trying to collect on a debt I never had. Presumably. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. highland height Ohio. If you miss a payment, the debt collector may abandon the agreement and try to sue you for payment, which can lead to, 7 Debt Tips from People Who've Been There, If you come into money through a tax refund or inheritance, or if you just. He asked me to make payment arrangements . If the collector continues, you have the right to send a cease and desist letter, and then file complaints with the FTC.im. We've never taken out this credit card nor do we know who this is. They say I owe 3000.00 and I never had a providian card . I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. After evaluating the debt and coming up with a plan, its time to contact the collections agency. The reason my husband got a providian credit card was. Finance and CBS News Radio. I received a phone call at my work 1st, Saying I was trying to be served some papers to go to court and that no one was home, If I do not take action they will come to my place of work to serve me some papers. Stop and take a deep breath . Hopefully something can be done, this is absolutely ridiculous. However, you have no obligation to use their services. How can I find out who Providian National Bank is. I need access to Further information is available in our FICO Data Privacy Policy. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. Contact the National Foundation for Credit Counseling (NFCC) and ask towork with a nonprofit credit counselor. 02:28 PM. This is false accusations, code violations and harassment. Credit Karma receives compensation from third-party . Never attempt to "scam the scammer." My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. Don't lose the ability to defend your case properly! will be forwarded to the company advertising on the DebtCC. I had a credit card with this company in ****. I have never had a credit card from Providian nor have I ever received a Statement from them, never heard from a collection agency until now and there is no record of Providian Bank on my credit reports from Transunion and Experian or Credit Karma. I'm a senior consumer finance reporter for Forbes Advisor. Copyright 2013 Rudnitsky Law Firm . What are you willing to offer me to settle this debt? Tayne says. Single women own more homes than single men but get lower returns here are 5 tips to change that. They are not scam artists, they just do not play nice when it comes to collecting money. Even if you pay it, it will stay on showing paid but it will still be there. Tuesday, August 5, 2003 I am sending Providian their final letter. If your debt has not gone to collections yet, one option to help you save tons on interest and pay it off more quickly is to use a balance transfer . This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. KNOW YOUR RIGHTS and stand up to these jerks. Performance information may have changed since the time of publication. and fill out the "Identity Theft Victims Complaint and Affidavit". . Tried to explain that this was not my account. Before you make a payment on a debt, first determine whether the debt is past the. Providian was supposed to be sold to WaMu which is now Chase. Learn more: Your Child Support And The Federal Stimulus Payment, How to Request an Attorney General Opinion, Learn more about your debts by getting your. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. Now, Chase is reporting the same account. If they want to take to court they have better provide my records. Keep in mind that debt falls under a statute of limitations in each state. Our lawyers and others will respond within 24 hrs! 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. Be sure to get everything in writing. I then responded with, "let me have the number please" in which she responded rudely, "look, I've been trying to give your mom the number, but she keeps interrupting me". 2023 SELECT | All rights reserved. I have no credit cards and never had any from Providian. I'm currently on disability being sole source of income can't afford nor verify this debt. "Remember that the amount of debt forgiven may be taxablewhen you file your tax return," advises Eweka. not that I need itthe debt is NOT mine, Forxxx did not respond to my request of disclosure, this was not on my credit report (checked past 10 yrs. . When I explained I paid that off over 20 years ago and that he was in violation of a few fair business codes, he got nasty and started cussing at me. All of my credit card debits were paid in full back in [protected]..I was fed up with the high interest rates, late fees (when you are not late) and charges that I never made and disputed..only to be charged finance charges and late fees for the ones that were in dispute. I told the guy I have no idea what credit card hes talking about . Comb through your finances to see how much you can afford to pay each week or month, whether it's $20 or $100. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. The CFPB recommends creating a realistic repayment proposal that is based on how much you can afford in payments each month, after accounting for bills, other debt payments and emergency costs. It was one of the leading credit card issuers in the country until it was sold to Washington Mutual (Wamu) in October 2005 for a whopping $6.5 billion. Perhaps I should start sending out invoices for the time it takes me to deal these types of issues, my time is valuable as well.. The more you engage with scammers, the more likely you'll lose more money and time. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. highland height. U.S. and 30 countries. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. They addressed me by my maiden . Think about the letter you received, Tayne says. The card was open Dec.4th 2000-closed Sept. They say I owe them $3037. Make sure the terms of this agreement are correct before making a single payment. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. It will likely report it as partial payment rather than paid in full, but make sure you know before you agree. She has never had a credit card. Location of This Business One Mobility Plaza PO Box 156, Sewell, NJ 08080 Johndowning01@gmail.com I also have never seen this on my credit nor have I seen any collection letters or calls for this. Explain to the creditor why you cant make full payment. But with effort and patience, a score will eventually recover. In some forum areas, you may have to register (sign up) before you can post. Break off contact with them and file a complaint. When I'm not writing articles, I author the Forbes Advisor Weekly Newsletter. I never heard of them! Notify the court clerk that you are unable to locate the judgment creditor. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. When Do Accounts Get Sent to Collections? If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. They said they had left it at the front door. This compensation comes from two main sources. Even if I did, staute of limitations passed over 15 years ago. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. These letters are very stressful and annoying. o6, thank you for the link, I found thatone too. It was a credit card bill that I had with Providian Financial back in 03. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! More than one in four consumers (28%) have a third-party collections tradeline on their file, according to new data released by the Consumer Financial Protection Bureau. Re: HOW MANY POINTS FOR COLLECTION 'DROP OFF'. So why would I have a credit card. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. 12 . when we moved to Kentucky his mother was living with us they tryed to collect from us told them that she was in a old folks home gave then the address and phone number and have not heard from them in several years its not ours they said he was on the card to and asked them to send us the form where it had his name on it but never got it so they are crap out of luck. I was going to reach out them once I got some imput on from everyone here. Are you sure you want to rest your choices? When a collections representative from your credit card issuer calls you, it's usually because you haven't made at least the minimum payment for at least 30 days. FTC's website on credit. The Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. We know where you f*****g live!' Well guide you through the process. Youll likely be informed via a letter in the mail, or a collector will start calling you. Thereafter my account went into collections . All financial products, shopping products and services are presented without warranty. Commissions do not affect our editors' opinions or evaluations. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Submitted: 12 years ago. I want this to go away. They have a website that list a single email address, but no physical address or phone number. They are sending someone to serve me with papers to appear in court. At some point, usually after 120 to 180 days of nonpayment, the creditor such as a credit card company, bank or medical provider gives up on trying to collect. I am just beside myself with the crap crawls out from underneath a rock. 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. I am a former employee. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. i recieved the same thing. NerdWallet strives to keep its information accurate and up to date. 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? Collection Agency's: Providian Credit Card Nationwide. I witnessed the fraud occurring first hand. All they gave me was the CC#. There are a few things you can do to stop this process before it even starts. Show Less. Now theyre trying to garnish my wages without even giving me any information. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. BBB is here to help. Try a balance transfer card to get out of debt. Then contact the debt collector by phone or mail to propose the plan. http://www.astafraud.com/. Ask them to place a fraud alert on your credit report. This is over 22 years ago. My husband stressed over this all weekend not knowing what was going on or what to expect. 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. To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. Youve stopped checking your credit score. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. Collectors in bad-faith have been known to harass consumers with phone calls and demand larger payments than what is legal, among other deceptive practices. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. Be-careful you loos your money . can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. The card was open Dec.4th 2000-closed Sept. 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!

Wunderkeks Cookies Nutrition Facts, Return Proof Verify@kygov, Chant Catholique Swahili Pdf, Articles P