providian credit card put my bill in collections

She is elderly and I made sure we called them together. Stop and take a deep breath . Presumably. They had all my correct info but refused to send me a copy of the original paperwork of when I got this credit card in 1998. Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. Be sure you set an amount and schedule that won't strain your budget to the breaking point. We believe everyone should be able to make financial decisions with confidence. I am just beside myself with the crap crawls out from underneath a rock. Read more about Select on, Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, National Foundation for Credit Counseling, One of the best travel credit cards has a new 80,000-point bonus offer. 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. Be sure to get everything in writing. Negotiating a settlement takes persuasion and caution. Trying to pull a fast one with fake court documents? - forums.debtcc.com I say bring it on because I will sue the crap out of them right back.So let them bring it on! Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. As a matter of policy, BBB does not endorse any product, service or business. http://settlementscams.com/debtcollector.pdf. Something went wrong. 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. They say I owe them $3037. so make sure they arent scamming first and do research before paying. Collection Agency's: Providian Credit Card Nationwide. The card was open Dec.4th 2000-closed Sept. ABBREVIATIONS; ANAGRAMS; BIOGRAPHIES; CALCULATORS; CONVERSIONS; . It's 2016 and there still doing this. This is absolutely absurd and I'm livid. I am actually going through this right now. Before you pay any debt to any collector, confirm that the debt is real and valid. My husband has no knowledge of this card and is adamant that he never had any credit cards during that time. They searched my social, name, and address. However, you need to assert those affirmative defenses promptly, or you may lose the ability to use those defenses later in the case, including at the trial of the credit card lawsuit. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. IMPORTANT: STAY ON TOP OF YOUR CREDIT REPORT! Show Less. This is important, because debt collectors often try to collect on debts even when they do not have a legal right to do so, such as when the statute of limitations has expired. "Sometimes people do not even realize they have some of their debts.". http://www.astafraud.com/. So, some debt collectors are real, and they're acting on behalf of the company to whom you owe money. Share This. This is over 22 years ago. "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 too received a collecting letter, which I owe nothing because I never has any dealing with that bank. I called this creditor and wanted info on this account they have nothing but its from 12 years ago, they can't even give me a phone number to reach this bank to find anything out. 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 bottom feeders are out and looking for anything they can get their hands. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. Accepted at millions of. 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. I never heard of them! The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer. This comment was posted by a verified customer. Over 80,000 legal issues have been answered so also consider using the search function. They have wiped me out! They sued me and went to court in 04 and I did nothing about it (dumb youth). 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. What am I prepared to discuss on the phone?. Further information is available in our FICO Data Privacy Policy. Providian Visa Platinum Card. Providian Credit Company review - Review Stream Be-careful you loos your money . 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". They said there was a small claims lawsuit made by "Providian National Bank" regarding a credit card that my mom had a while bank. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. How the debt collector will report the debt to credit bureaus. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Thereafter my account went into collections . 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. Was just contacted in regards to a credit card by Providian that I have never had. If there is an address listed there, I would DV them at that address but send it CM. 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). 2023 SELECT | All rights reserved. These ratings and reviews are provided by our users. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. Keep in mind that debt falls under a statute of limitations in each state. 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. It was a credit card bill that I had with Providian Financial back in 03. I called the law firm and asked them to pleas investigate this matter and get back to me. 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. : If you owe money, the lender will sometimes hire a debt collection agency to try and get you to pay. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. This compensation comes from two main sources. Two weeks ago I received a summons to court! The act protects consumers from abusive, deceptive and unfair debt collection practices such as limiting debt collection calls before evening hours, not allowing incessant calling or communication via postcard and prohibiting the use of violence or intimidating language from the debt collector. I have never heard from this bank nor do I know who they are. Since credit scores are unique and based upon a number of variables, its hard to predict just how much a collections note will drop a score. Before Sean lead podcasting at NerdWallet, he covered topics related to consumer debt. I receive a notice from a collection agency that I owe Providian National bank $2222.11. 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. His work has appeared in USA Today, The New York Times and elsewhere. Negotiating a settlement takes persuasion and caution. If the debt is not on your credit report, that does not necessarily mean the debt is not valid. How To Respond When Your Debt Is Sent To Collections I just check my credit there was no providian collection now it's a judgement. It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. Hopefully something can be done, this is absolutely ridiculous. The Web's Largest Resource for Definitions & Translations. . Our opinions are our own. 2. 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. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. Never attempt to "scam the scammer." Once youre notified, there are a few different paths you can take to resolve the debt. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. 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 *****. Please DO NOT add attachments that contain your or other peoples personal information, if you dont want it to be visible to the public. If you want to settle for 50% of what you owe, for example, try starting at 30%. All Rights Reserved. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf C. Ray. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. If there is no address listed, I'd write to the CRAs and request it. Started to receive calls from ******************************************* stating that I had a Providian credit card that I opened in **** and paid on it for 18 years and then went into default in 2018. I told her I was not going to speak with her or even verify my name. If the agency gets you to pay your debt back (plus interest and late fees), it gets a commission. Has anyone had dealings with this company? No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. OLD CC COLLECTION DEBT/RIPOFF SCAM! Who would get the money. 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. Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. After evaluating the debt and coming up with a plan, its time to contact the collections agency. Payment history is the largest contributing factor to your FICO score. 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. Can someone tell me who and what this company is? However, they may be able to leverage the legal system in surprising ways, like suing you or freezing your assets. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. They want me to settle and I don't have money to pay and I have never had an account with this bank. Help! My bank account is now almost $1000 over drawn and there is nothing I can do about it. The opinions you read here come from our editorial team. This is the only bill that is holding me up from financial freedom. They are required to tell the other two agencies about your fraud alert. The lady was so threatening, I am afraid. Providian National Bank Review: Unfair Collection on account that I 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. This should remove the collection from their files. 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? 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 have received nothing concerning this situation. This means a collector cannot sue you for a debt that is older than a certain number of years, which the CFPB says ranges from three to six years, depending on the state. If you come into money through a tax refund or inheritance, or if you just hustle to earn the money, paying off the debt in full with a single payment can quickly resolve your debt collection woes. Before you make a payment on a debt, first determine whether the debt is past the. Disclaimer: NerdWallet strives to keep its information accurate and up to date. OLD CC COLLECTION DEBT/RIP-OFF SCAM. , paying off the debt in full with a single payment can quickly resolve your debt collection woes. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. Instead, let the collector make the first move. They were then rude to my mom saying, "look, if you want to dispute this, let me give you the number". When he's not writing about personal finance, Sean can be found digging around his garden, going for runs and taking his dog for long walks. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property. It should state: That the agreed-upon amount is sufficient payment for the entirety of the debt. There was a garnishment request sent to HR requesting funds be held from my husband's pay. I told him for what ? Avvo Logo This is false accusations, code violations and harassment. Providian Financial Sucks - They will pay. Oh yes, they will pay I had no clue why. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Pay all of your bills on time. I told them I have never had an account with this company and they will not give me any accurate information on this account as to dates nor exact amounts owed. 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. Check your credit report at least once a year to reduce any surprise calls from collections, Eweka says. 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. First, if criminal activity was involved, contact your local law enforcement. These scammers can be very convincing, which is why you need to spot the signs of a fake debt collection: Real debt collectors already know much of your information e.g., how much you owe, your address, social security number, birthday, etc. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. not gonna wait for them to do what ever they want. In April I have 4 negative accounts coming off so will see how much that changes the score as well. I was a little relieved when I came on here and seen I was not the only one going through this. Break off contact with them and file a complaint. My credit report is clean. Debt collector for a Providian credit card I had 30 years/cannot - Avvo Be sure you set an amount and schedule that won't strain your budget to the breaking point. So why would I have a credit card. DON'T LET THESE THIEVES WIN! Providian Visa Platinum with real Benefits. I also filed a complaint with the ************************* as they are threatening to *** me in court for debt that is not mine. 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. When evaluating offers, please review the financial institutions Terms and Conditions. You can start the conversation on the phone, but dont make the payment until the debt collection company sends you a written agreement. Credit Target. I am 90 years old, a WW ll vet and owe nothing to anybody, EVER. Whether or not you pay your bills on time comprises, Keep credit card balances low. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. About the author: Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. Commissions do not affect our editors' opinions or evaluations. I also have never seen this on my credit nor have I seen any collection letters or calls for this. Show More. How can I find out who Providian National Bank is. They gave me a case number and other phone number to call. The proposal is described as an overhaul by industry experts with many different changes. What are you willing to offer me to settle this debt? Tayne says. I have no contacted a lawyer to find out what's going on and what legal recourse I have. Many factors affect your FICO Scores and the interest rates you may receive. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. This is a reality for millions of Americans. BBB Business Profiles may not be reproduced for sales or promotional purposes. They are saying I owe $26, 365 but would accept $8, 081. to settle . The debt is over 3 years past the SOL. Sorry this is vane again my correct email address is v.romero2@yahoo.com. Get a return receipt for the letter to record that the collector received the letter. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? o6, thank you for the link, I found thatone too. This will surely increase the credibility of your complaint. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! 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. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. The more you engage with scammers, the more likely you'll lose more money and time. They said they had left it at the front door. Well they are saying that how I received a platnum visa in 2007and that I now owe them 3, 840.52 because the court has granted them that. According to FICO, the more recent a collection is, the more it will hurt your score.

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