How can I tell them I cannot afford to pay off 5,569.00. balance was original 2100.00. I told her I was not going to speak with her or even verify my name. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. They told me they will continue to harass me until i pay the debt in full. Also known as PROVIDIAN NATIONAL .A collection agency has sent me a letter stating I owe them for a credit card I never even had.From an address I never even lived at on 9/04/2009. If there is no address listed, I'd write to the CRAs and request it. Think about the letter you received, Tayne says. Collection agent calling me. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. 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! Threatening to put a lein on my property. I was served a summons by the deputy sheriff. Hopefully something can be done, this is absolutely ridiculous. The case status is Disposed - Other Disposed. Keep in mind that debt falls under a statute of limitations in each state. Providian had significant operations in California, New Hampshire, and Texas. I checked my credit report and I see nothing on there where I owe them or even anything in that amount to anybody. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR ME? I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. I've been featured as a personal finance expert in outlets like CNBC, Yahoo! They talked about settling with me for over $4,000. In the early 2000s I had no credit cards, I wasnt working and taking care of my sick grandmother. 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? He confirmed my name and social security number. Here are six telltale signs that you're dealing with a credit. Submit a complaint and get your issue resolved. The proposal is described as an overhaul by industry experts with many different changes. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. They want me to settle and I don't have money to pay and I have never had an account with this bank. More Credit score Credit Debt Ask a lawyer - it's free! Stuart R. Pollak of the Superior Court of California, the City and County of San Francisco, granted final approval to a settlement agreement in the case, and certified a settlement class. Get it notarized and send it to Providian and any other creditor listed on the collection letter. I understand from research that it was sold a couple times, I believe first to Washington Mutual, Now to Chase. I had a Providian Bank Card with a credit limit of $600 and a balance of $175. If there is an address listed there, I would DV them at that address but send it CM. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. So now I have to go to court and answer their complaint and show up at a hearing on 12, 13/17 taking 2 days off of work. The only thing is that I cannot find any recent information on Sherman. International Association of Better Business Bureaus. 46038 I had purchased the illness protection insurance through Providian. I received a call from ************** saying I owe money to Providian National Bank. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. Waving the flag here! She began shouting, said, 'Oh, here we go, another f******* deadbeat. No fee for additional employee cards. Its going on the trash. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. They also left me the name of an attorney, phone number and a reference/case number. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. MY FIRST THOUGHT WAS WHY DIDN'T THE PAYROLL DEPARTMENT NOTIFY THE EMPOYLEE OF THIS GARNISHMENT?I AM VERY PISSED OFF AND I'M GOING TO BE BY HER SIDE UNTIL THIS MATTER IS RESOLVE SECOND OFF WHY DIDN'T PROVIDIAN CONTACT HER OBVIOUSLY THEY HAD HER CONTACT INFO TO GARNISH HER WAGES WITHOUT HER KNOWLEDGE PROVIDIAN YOU SUCK WHO EVER YOU ARE AND WE WILL SEE YOU IN COURT THANKS FOR SCREWING UP HER CHRISTMAS! And that they would settle for 5, 050.67 by june 1st.the collection agency is First Resolution Investment Corp. If a judgement was entered and sherman is good at getting judgements, then it is going to stay on your report for 10 years from the date of judgement. I also have never seen this on my credit nor have I seen any collection letters or calls for this. thank u. Anyone whos what I can do to get them off me? 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! + Leaflet | OpenStreetMap contributors | Open In Google Maps Under a federal law known asthe Fair Debt Collection Practices Act(FDCPA), this behavior is illegal. Typically, collections remain on a credit report for up to seven years. Share your photos and videos with others to prove the truth of your words. HELP! I finally called Chase bank (who bought Providian) and nicely explained to them my situation. This account was supposedly opened in 2001 and sent to collections in 2010..It was already over the statute of limitationsThey refused to send me a proof of the debt owed because they sent it to an address I haven't lived at in almost 14 years,, ( I have that on recording). A very rude man at *********************** answered the phone. Today i receive a phone from Resource Recovery trying to collect on a Providian National Bank. I can't find out how to contact these folks to see what this is about. This is threatening our livelihood and my husband's health and reputation. They are sending someone to serve me with papers to appear in court. I have gotten my credit clear of everything except one old credit card collection. 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. Your financial situation is unique and the products and services we review may not be right for your circumstances. Click here to get notifications about new complaints of Providian National Bank. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. http://settlementscams.com/debtcollector.pdf. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. According to FICO, the more recent a collection is, the more it will hurt your 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. This review was chosen algorithmically as the most valued customer feedback. They say I owe them $32, 726. First off, I found it weird cause it is addressed by my nickname & not my full name like all my other bills have. I also had filed bankruptcy in between this time. While on the phone with a collector, Tayne recommends taking notes throughout the conversation and detailing important information like who you are speaking to, the current balance and rate of interest. 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. 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. I am being garnish from Providian Bank. Every # that I find for Providian & I call is disconnected. Just paid something something off to a debt collector (NCO Financial) and all of a sudden this Providian shows back up on my credit report and guess who the debt collector is !!!!!!!!! If you know the debt is yours, you do have the opportunity to negotiate a settlement. Re: HELP! It does not start when the account was placed for collection. Further information is available in our FICO Data Privacy Policy. 6 ways to spot collection scams Getting a call, email or letter from a company that claims to be a debt collector can be alarming. whos on her death bed! Two weeks ago I received a summons to court! If you receive "verification of debt" or "copy of judgment" go to Just a recorded message when I answered with a reference number and number to call. In 1981, Parker Pen acquired two banks to start a credit card company by the name of First Deposit, based in San Francisco. ago. I am not sure who they are & when I even had an account with them. I just got off the phone with a collection company that is attempting to collect the balance of a settlement agreement I made with Providian National Bank over SEVEN YEARS ago! SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt. Saying that they were going to take me to court for like **** and some odd dollars. 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. She claims I took out the credit card in Sept. of 2017 however my non-profit wasn't established until 4/20. They say I owe 3000.00, like everybody else they are trying to scam. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. 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. Attached is a complaint filed against Providian bank with the FTC. Well guide you through the process. A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. 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. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Johndowning01@gmail.com 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. The building, located at 533 Bergen Avenue, Jersey City, will be known as the New City Kids Rubingh Center . Even if I did, staute of limitations passed over 15 years ago. Unpaid credit card debt, for example, is typically turned over to an in-house collections agency after more than 30 days of remaining unpaid. What do I do? Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees. You cannot get away from us. Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. Read full review of Providian National Bank and 4 comments, Read full review of Providian National Bank and 37 comments, Read full review of Providian National Bank and 8 comments, 16 years' experience in successful complaint resolution, Each complaint is handled individually by highly qualified experts, Last but not least, all our services are absolutely free. Email me if u know . Copyright 2013 Rudnitsky Law Firm . In many cases you can pay the court clerk and they will record asatisfaction of judgment. Changes to the law are coming. More I am William Bumphus The collector must return your request before it can start trying to collect the debt again. Please write me at v.romero@yahoo.com. 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. If a new collector purchases the debt, the company may report it as opened on the date it was bought from the previous collector. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. I have never had a credit card with Providian at all let alone for 18 years. They claim I owe them $3000. OLD CC COLLECTION DEBT/RIPOFF SCAM! To late sue anyone. They say I owe 3000.00, like everybody else they are trying to scam. 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. 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