providian credit card put my bill in collections

Real debt collectors will accept normal, trackable payments (e.g., check, traditional credit card, etc.). Even if your debt is already in collections, debt collectors are not allowed to lie to you, threaten you, use obscene language or harass you by phone. All they gave me was the CC#. Providian Financial Sucks - They will pay. Oh yes, they will pay This is over 22 years ago. Sherman Acquisitions has a proven history off taking paid off debts or old cases and trying tomake the client "double pay" only to pocket the money themselves. Do not sell or share my personal information. He is based in Ocean Shores, Washington. We have had good success in defending Providian credit card litigation using our knowledge of Floridas laws, including statutes, court rules and rules of evidence. ComplaintsBoard.com is a leading complaint resolution website on the Internet. If you are concerned that Sherman will screw you over (or even if you are not), I would highly recommend the following: 1. I called the Law firm collection agency and spoke to a extremely rude man who insisted I give him my address before he would tell me anything. "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. I do not have knowledge of this account. Then contact the debt collector by phone or mail to propose the plan. Providian was supposed to be sold to WaMu which is now Chase. These agencies then take responsibility for collecting the debt on behalf of the original company; or, sometimes, the agency buys the debt and then collects it on behalf of itself. So why would I have a credit card. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. After you receive the collection letter, send the collection letter back to Providian with a letter requesting a "verification of debt" or "copy of judgment". MERRY CHRISTMAS EVERYONE ELSE AND IF YOU ARE IN THIS SAME SITUATION PRAY ABOUT IT AND COLLECT AS MUCH INFO AS YOU CAN ABOUT THESE PPL AND IF YOU CAN AFFORD IT GET A LAWYER! Follow me on Twitter at @keywordkelly. 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. I witnessed the fraud occurring first hand. That would include such things as payday loans, high-rate credit cards, rent-to-own contracts or extended car loans. Single women own more homes than single men but get lower returns here are 5 tips to change that. Read more on. 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. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. Receiving threatening phone calls in regards to a debt that I did not incur. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. 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.. Providian sells its best accounts to JPMorgan Chase / Providian sells This is a reality for millions of Americans. The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. My husband stressed over this all weekend not knowing what was going on or what to expect. Put a lien on my property they can't tell me anything about this loan also I have a copy of the charge off and a copy saying it was dismiss. 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. Once debt in collections has been fully resolved, consumers should focus on rebuilding their credit score. 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? I am a former employee. So if a debt collector pushes you to pay immediately, be very cautious. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? 3 Ways to Pay Off a Debt in Collections - NerdWallet According to Debt.org, there are three phases to debt collection: Six months is the general guideline, but according to Eweka there is "no set rule" on how many times you'll get a phone call or letter before your debt is turned over to an agency. 2023 SELECT | All rights reserved. I have never heard from this bank nor do I know who they are. Here is a list of our partners. in money or lost opportunity or carries too much risk. Negotiating a settlement takes persuasion and caution. I have free, top notch attorneys for as long as needed. My credit report is clean. I got a letter from ARA Inc saying I owe Providian bank, who I have never heard of. You may also be sued. Ever. C. Ray. have old credit card debt from 1996 It was for Providian credit You will pay, do you hear me! If the debt doesnt belong to you, you can dispute it. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. Providian National Bank Review: They have 3 different collection The greater the debt and the longer its been in collections the more likely the creditor is to accept a settlement. Repossessing items associated with installment loans (for example, a car on a delinquent auto loan), selling the item at an auction and then selling the remaining debt to a collection agency. This is false accusations, code violations and harassment. Then file a complaint with us. They gave me another # too call which was a collection agency. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. this is very weird that they sent me the letter with an old address i use to live at with the wrong Social Security number. What do I do? Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. Having an account sent to collections can be stressful. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. 2019 Legislative Session Update for Victims and Service Providers, 2021 Legislative Session Open Government Update. 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. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. I received a Marshall letter for garnishment Monday requesting the amount of $2, 308.55 of an unpaid balance owed to Providian Bank in which i never had. Our partners compensate us. Today I went to the mail and I had a letter from a credit company saying I owed them 600.00 from this Providian bank. They also told me they will continue to report it to the credit bureau. so make sure they arent scamming first and do research before paying. Any suggestions? So if this bank does not exist who is the money going to? . 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 asked her for her name and she hung up on us. 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. The options below all require at least a good credit score, so they are usually only effective to use before your debt falls into delinquency. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Sometimes, debt gets shuffled from one collector to another. After returning to work on Monday and obtaining more information, he discovered it was from a Providian Credit Card he supposedly opened in ****. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) If they want to take to court they have better provide my records. ASK a legal question; POST an issue. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. Accepted at millions of. The study shows that, from 1993 to 2013, the number of debt collection lawsuits steadily doubled from at least 1.7 million cases to 4 million cases nationwide. I am just beside myself with the crap crawls out from underneath a rock. so you can handle it properly. I really dont see any ripoff. Note that complaint text that is displayed might not represent all complaints filed with BBB. Can anyone out there help us? 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. I thought I was part of the lawsuit against Providian which is why they went into bankruptcy and were bought out for giving"subprime " rates. If the debt is close to the end of the limitations, the collector might be more willing to negotiate with you. This will surely increase the credibility of your complaint. HELP! I had no clue why. Those lawsuits are not brought by Providian, which does not exist any longer; instead these credit card lawsuits are typically brought by debt collectors (for example, Arrow Financial) who have purchased the debt from Providian, or its successors: Washington Mutual (WaMu) Bank or J.P. Morgan Chase. She earned a bachelors degree in journalism and mass communications from the University of Iowa. Well guide you through the process. Services that help with debt settlements include debt attorneys or debt settlement companies. DO NOT give in. A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. Think about the letter you received, Tayne says. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. If u have any suggestions. Submitted: 12 years ago. I'm having difficulty with contacts in order to get to the bottom off this. I had no clue why. Ive called several different numbers for providian and no one seems to know what Im talking about. OLD CC COLLECTION DEBT/RIPOFF SCAM! Be sure you set an amount and schedule that won't strain your budget to the breaking point. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. I am also simultaneously filing complaints with all of the following entities: OCC - Comptroller of the Currency, Administrator of National Banks. How can they do this? And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). We will see if this corporation as people ### stands up. This is a total waste of my time and resources and if I prevail I will counter sue them as per the FTC. Select spoke withShelly-Ann Eweka (CFP, ChFC), a wealth management director at TIAA, who shares everything you need to know about debt collections. Now, how can three companies try to collect the same time barred debt? However, this does not influence our evaluations. 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! This information may be different than what you see when you visit a financial institution, service provider or specific products site. This review was chosen algorithmically as the most valued customer feedback. First, make sure this fits your financial situation. + Leaflet | OpenStreetMap contributors | Open In Google Maps Unless you made payments within the last 5 years, no suit can be brought lawfully, and the collector is violating the Fair Debt Collection Practices Act by making the threat. They said if i owed it would have been on my credit report by now which it isnt, and that most likely it might be a scam because their system says i owe them nothing. Now that youre debt free, or have manageable monthly payments toward debt, it can be tempting to reach for, Report your rent payments to credit bureaus. A female operator provided a case number and phone number of ************. Submit a complaint and get your issue resolved. His credit report had so many errors on it. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. If you are dealing with Providian or one of its other companies, under a different name, be sure you have paid them off, and be certain that they do not cheat you. Paying off a debt in collections can get debt collectors off your back and put you on the path to restoring your credit and reclaiming your finances. Further information is available in our FICO Data Privacy Policy. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. You may be upset, but trying to get revenge will not work. 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. How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. I have no credit cards and never had any from Providian. All Rights Reserved. BBB Business Profiles generally cover a three-year reporting period. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. Pay all of your bills on time. #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. Thanks.. Debt Collection Scams | Office of the Attorney General Texas consumers have reported many tactics used by debt collection scammers. They are saying I owe $26, 365 but would accept $8, 081. to settle . my husband got a thing in mail that states owes $924.89 on a credit card the mans been dead over 2 years and the credit cards we did have we files in1992 bankrupsy so that did it nopw they say we owe? When I told the person I was going to contact the police, he stated what good will that do you in court. I am in the same situation as most of you, I received a collections phone call regarding a providian credit card in which I know nothing about. 14 complaints closed in the last 12 months. *** never had an account with them havent had a credit card with ********** all of this and they proceeded to ask me if I was willing to do their settlements to which I said no this is not my account Im not paying for anything and he said OK within 3 to 5 days you will be receiving paperwork that will have a court date issued on it for you to appear and state your claim never had a card with this company will not be paying will be fighting this, even if I have to hire an attorney. 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.. Close. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. U.S. and 30 countries. Every # that I find for Providian & I call is disconnected. "Remember that the amount of debt forgiven may be taxablewhen you file your tax return," advises Eweka. Paying in full can get the debt off your back for good, but make sure you get the agreement in writing first. Negotiating a settlement takes persuasion and caution. Postal Service charges $2.55 for a mail receipt and $1.25 for an email receipt. Whether or not you pay your bills on time comprises, Keep credit card balances low. My lawyer will be on them like flies on crap! wouldn't give us any info, and wouldn't listen . I received a call from ************** saying I owe money to Providian National Bank. the color of a red dog is (write the answer twice with an "@" between the words). Image Credit. Sorry this is vane again my correct email address is v.romero2@yahoo.com. The greater the debt and the longer its been in collections the. And before you enroll in any type of financial assistance, considerwhat's best for your situation. Worse, you can also lose the ability to dispute that you owe the debt. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. thanks They say I owe them $3037. The original creditor may. 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. We'd love to hear from you, please enter your comments. http://www.palisadescollections.com/ Providian bank. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. They pressure you A credit collection scam might use scare tactics and threats. One account that was opened apparently was with Providian National Bank, credit card account when they found me to collect on a debt I filled out the paperwork letting them know this was not my debt..Some time went by and I heard nothing, until I received this threatening letter from Ozark Capitol Corporation which is actually a collection agengy ran by the Law form of Hosto & Buchan PLLC, by now we put our attorney on this, who entered a answer that this was not my debt but that my identity had been stolen, somehow this Law Firm manages to go to court anyway and get a Judgment for over $2, 000 in 2004, now in 2012 my checking account is garnished with penalties and interest for over $5300.00 for this judgment of which I never even knew existedI plan on filing a complaint with the Attorney General Office, as well as The Law form, and the BBB, as well as filing a law suit against Providian National Bank, Ozark Capitol Corporation, & Host0 & Buchan, P.L.L C. I recently was contacted by a Debt Acquisition Company/Debt Collector named C & M Associates who claims I owe them money from a credit card issued by Providian Bank in 2003. 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. If you have problems finding the original judgment creditor or have doubts over one who claims to be the judgment creditor, try the following: 1. I was told that the debt is over $15,000 with all attorney and legal fees. These letters are very stressful and annoying. Providian National Bank If someone contacts you about a debt you owe, you can quickly identify whether it's real or fake. Share This. If you want to settle for 50% of what you owe, for example, try starting at 30%. Collections agencies buy your unpaid credit card debt from your card issuer when your balance lingers too long but that doesn't mean it goes away. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. I tell ya, these guys will try anything! The collection agency would give me no information other than the name of the company they were working for. You can do this yourself, even though many debt settlement companies will try to get you to pay them for this service. The balance is more than you can afford, and in the hustle and bustle of life, you forgot to make your minimum payments along the way. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. One million served! Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. Email me to discuss your options in dealing with them. IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! I am far from unreasonable, and I pay what I owe, if I owe. What You Should Do Once An Account is Sent to Collections, reporting rental payments to credit bureaus here, Check out Forbes pick for the best credit cards if you have bad credit here, Best Personal Loans For Debt Consolidation, How Do Personal Loans Affect Credit Score, Selling revolving debt to a collection agency who then when work to collect it, or. I asked again for the number, she reponded with , "you don't have to be rude with me. Select independently determines what we cover and recommend. There are exemptions to this, so you may want to consult a tax expert. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. Collection Agency's: Providian Credit Card Nationwide. As with any negotiation, start lower than your target. 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. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. Unfair Collection on account that I never opened. How to know if a debt collector is a scam - MSN When evaluating offers, please review the financial institutions Terms and Conditions. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Email me if u know . I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. i recieved the same thing. Credit Card Payment Protection. It also can lead to the debt being marked paid in full on your credit reports, which can offset some of the damage done by delinquent debt. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. Get a return receipt for the letter to record that the collector received the letter. If you leave it unpaid it will fall off eventually but will hurt worse in the long run. 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. as international agents for identifaction of unawarded cash prizes, we are pleased to advise you that on 5th july the report documentation containing guaranteed prize and award information totalling 735, 300, 00 gbp src, po box 12956 kansas city ks [protected] usa, Two days ago my bank account was levered for a 9 year old 5000.00 debt owed to Providian. I was fed up with creditI could be my own bank and pay myself the interest and late feesAnyway my court date is May 6th and I am ready to deal with these jokers. So, some debt collectors are real, and they're acting on behalf of the company to whom you owe money.

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