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 . As with any negotiation, start lower than your target. Worse, you can also lose the ability to dispute that you owe the debt. Get it notarized and send it to Providian and any other creditor listed on the collection letter. Real debt collectors will accept normal, trackable payments (e.g., check, traditional credit card, etc.). Instead of immediately calling to try and resolve the issue, she recommends consumers take a moment to evaluate the situation and the path of resolution they want to go on. wouldn't give us any info, and wouldn't listen . They are saying I owe $26, 365 but would accept $8, 081. to settle . 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! In many cases you can pay the court clerk and they will record asatisfaction of judgment. ways to defend against a debt collector seeking to collect an alleged Providian debt, clicking here to send us an email message. Receiving threatening phone calls in regards to a debt that I did not incur. Paying in full can get the debt off your back for good, but make sure you get the agreement in writing first. You won't go to jail for your debt, so if the collector says that you will, they're lying. How To Respond When Your Debt Is Sent To Collections Debt is toxic when it costs you too much in money or lost opportunity or carries too much risk. Never attempt to "scam the scammer." All times are GMT-5. "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. Notify the court clerk that you are unable to locate the judgment creditor. The Web's Largest Resource for Definitions & Translations. Sean Pyles leads podcasting at NerdWallet as the producer and host of NerdWallet's "Smart Money" podcast. I think it's a scam. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. They are required to tell the other two agencies about your fraud alert. BBB is here to help. Some collectors refuse to work with the latter, but are obligated to work with an attorney. 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 *******. 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. If there is no address listed, I'd write to the CRAs and request it. You may have inadvertently reaffirmed the debt - which can now be put on your credit report. And, LVNV is reporting a hugely wrong balance on this old account(if they are even reporting my actual account..they won't validate). If you know the debt is yours, you do have the opportunity to negotiate a settlement. With the counselor's help, call the collections agency and arrange a payment plan so the delinquent marks roll off your credit report as quickly as possible. 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". They sued me andwent to court in 04 andI did nothing about it (dumb youth). It's probably a scam, collection agencies usually send letters to your home to settle the debt before using other types of harassment. Before you pay any debt to any collector, confirm that the debt is real and valid. They addressed me by my maiden name which I havent been since 2012. Even if I did, staute of limitations passed over 15 years ago. I'm having difficulty with contacts in order to get to the bottom off this. 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. Supposeonly owing over $11000 they will settle for $2000. You cannot get away from us. The use of this website means that you accept the confidentiality regulations and the conditions of service. Something went wrong. Follow me on Twitter at @keywordkelly. They want $1900.00 from me and filing fees. That is what they charge me; 18/99%. He confirmed my name and social security number. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. California Personal & Commercial Bank - Credit Cards | Provident Bank Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. 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. 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. What does providian mean? Providian Visa Platinum Card - Online Application - Finance Globe 14 complaints closed in the last 12 months. Send the agency a letter by mail asking them to confirm their debt in writing. My bank account is now almost $1000 over drawn and there is nothing I can do about it. Debt collector for a Providian credit card I had 30 years/cannot - Avvo 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. If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. 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. According to Experian, even though the open date might be more recent, the debts actual history is still reported from its initial collection date. OLD CC COLLECTION DEBT/RIPOFF SCAM! WHy can these guys get away with this. When you look up a debtor on the internetand the first five or so sites have rip-off in the address, I felt like I should ask questions before being duped. 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. 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. They told me they will continue to harass me until i pay the debt in full. I have several that will help. 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. Providian Credit Card Reviews 2023 | Credit Karma Ripoff Report | Providian Review - Nationwide - Providian visa credit I will not allow them to disrupt my life. I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. P.S. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. Plus, the Statute of Limitations has passed. Our partners compensate us. Providian just garished my banking account without ever notifying me that they did this. This will surely increase the credibility of your complaint. Make sure the terms of this agreement are correct before making a single payment. Don't miss:Here's the 'most basic rule of thumb' when it comes to paying off your debt, according to an expert. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. 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. The original creditor may. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! Both of these banks were sued by many people for deceptive banking practices. 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. 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! Performance information may have changed since the time of publication. 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. Beyond answering listeners' money questions on "Smart Money," Sean also interviews guests outside of NerdWallet and produces special segments to explore topics like the racial wealth gap, how to start investing and the history of student loans. You may be upset, but trying to get revenge will not work. My credit report is clean. Note that complaint text that is displayed might not represent all complaints filed with BBB. providian medical equipment LL C Mr. Dave Skoke ,Providian Medical Equipment LLC, having place of business 5335 Avion park Dr. Unit A highland heights, Ohio 44143 Providian is a group of bad people. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. I'm currently on disability being sole source of income can't afford nor verify this debt. 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. Providian National Bank 8 complaints 1 resolved 7 unresolved File a complaint to Providian National Bank Providian National Bank contacts (added by reviewer) Phone number +1 (603) 228-4482 Category Banks View all Providian National Bank contacts Most discussed complaints 1 (opinions to this review) 1 (opinions to this review) Do not sell or share my personal information. 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. Tuesday, August 5, 2003 I am sending Providian their final letter. 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. Has anyone had dealings with this company? 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. will try to get you to pay them for this service. Can someone tell me who and what this company is? Who are these people and what are they up. 2023 Forbes Media LLC. The collector cannot. Credit Card Payment Protection. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. Who would get the money. The problem isfiguring out who to pay or finding someone to reach a settlement with to pay it off. With a focus on thoughtful and actionable money advice, Sean provides real-world guidance that can help consumers better their financial lives. We have seen a recent increase in the number of consumers sued on an alleged debt arising from an old Providian credit card account. To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. Location of This Business One Mobility Plaza PO Box 156, Sewell, NJ 08080 Youll likely be informed via a letter in the mail, or a collector will start calling you. Imagine you got sick a few months ago, and put your medical bills on a credit card. "Sometimes, companies use collection agencies to service their debt collection process from the beginning, and other times it can take a longer amount of time," says Eweka. 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. 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. My work has been included in a variety of publications including Reader's Digest, NASDAQ, Bankrate and more. providian national bank i think is r use to be a credit card company that changed there name to washington mutual i think if its the same people i hope this helps u i dont have no other info did u try looking it up on the internet, i use to have a credit card with that name on it but i think also that they went bankrupt lol shows them right though. This compensation comes from two main sources. OLD CC COLLECTION DEBT/RIPOFF SCAM! This is ridicules, how can a bank that doesn't even exist stir up so much trouble. 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. My husband and I just got our account frozen by a lawyer stating we owe a debt of $6565 to PROVIDIAN NATIONAL BANK from 1999! . 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. 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. 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. There is plenty of information on them as a rip-off artists on ripoff.comandsuch on the internet but no information on the actual company. 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. How the debt collector will report the debt to credit bureaus. Providian Financial Careers and Employment | Indeed.com The sent to address I have not lived for over 12 years. The Forbes Advisor editorial team is independent and objective. Debt is toxic when it. >>More: 7 Debt Tips from People Who've Been There. We believe everyone should be able to make financial decisions with confidence. How to Deal With Debt Collection - NerdWallet They also claimed to have been sending me letters which I have never received. The card was open Dec.4th 2000-closed Sept. It can take up to seven years for your past-due history to disappear completely off your report, but as you work toward settling outstanding debts your score will consistently increase with time. Presumably. Once youre notified, there are a few different paths you can take to resolve the debt. I am a former employee. One million served! Ive called several different numbers for providian and no one seems to know what Im talking about. If a debt in collections goes away from your credit report in seven years, does this mean you shouldnt repay it? 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.