I will not allow them to disrupt my life. Now, Chase is reporting the same account. *** 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. But with effort and patience, a score will eventually recover. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! Even if you pay it, it will stay on showing paid but it will still be there. Now theyre trying to garnish my wages without even giving me any information. highland height Ohio. I have no memory of ever receveing this card nor do I remember applying for it. My husband is an older gentleman with many health problems and this situation caused severe stress, anxiety, and even chest pains. U.S. and 30 countries. Well guide you through the process. http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf 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. You cannot get away from us. 12 . I think it's a scam. She earned a bachelors degree in journalism and mass communications from the University of Iowa. Typically, collections remain on a credit report for up to seven years. 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. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. Learn more. Then contact the debt collector by phone or mail to propose the plan. The collections agency tries to get you to pay back as much of the original debt as possible so it can make a profit. . Many people are surprised at these credit card lawsuitsbecause those credit card accounts were so old. The amount of time that passes before the debt is released to collections depends on the type of loan. the color of a red dog is (write the answer twice with an "@" between the words). 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. I think you can correct this whole thing including the judgement - go to debtorboards.com and post your question. If you want to settle for 50% of what you owe, for example, try starting at 30%. Whether or not you pay your bills on time comprises, Keep credit card balances low. The complaint has been investigated and resolved to the customers satisfaction. 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. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. , paying off the debt in full with a single payment can quickly resolve your debt collection woes. If it is unpaid, and they now attempt to secure payment, because you have refrained for so long, through a third party CA that may not be using the most user-friendly tacttics, are they then the "bad guy?". They are saying I owe $26, 365 but would accept $8, 081. to settle . 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. 2. Keep this proof in case the payment isnt recorded correctly or the debt somehow gets resold to another collector. The paperwork looks legit but I wonder if this is a scam, ASTA Funding and Palisades Collections have perpetrated a massive fraud upon the American people. (800) 445-6500: Order New Checks. Next, your creditor passes it to a third-party agency that's separate from your card issuer, but contracted through them. Send the agency a letter by mail asking them to confirm their debt in writing. A large majority of debt lawsuits (over 90%) are against individuals who don't have legal representation. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Dont respond and file a complaint with us. 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. 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 was a little relieved when I came on here and seen I was not the only one going through this. 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. Sean Pyles is the executive producer and host of NerdWallet's Smart Money podcast. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. 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! It is important to use an attorney experienced in defending credit card debt collection cases to maximize your chances of winning. I recieved a $6000 bill from convergent/asset recovery trying to get money for providian. so after calling chase to see if there affiliated with them ( not that hes ever herd of) I read all these and went straight to calling the lawyer. To start digging out of debt that's already in collections, "get some help quickly," says Eweka. Business & Economics23 In October, the acquisition of Providian Financial credit card company for $6.1 driven by our long track . Anyone whos what I can do to get them off me? For any questions or problems with your online bill payments (800 . Tell them you've been targeted by fake debt collectors. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property. Meaning of providian. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. 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 . Remember, you have debt collection rights. 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. This should remove the collection from their files. Jan. 17, 2002. I donot even know who Providian National Bank is. 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. 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.. This is absolutely absurd and I'm livid. All Rights Reserved. Nationwide *Author of original report: PS.because I forgot to mention it! Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. . Before you make a payment on a debt, first determine whether the debt is past the. VERY IMPORTANT: send all this to Providian by CERTIFIED MAIL! Do your homework. NerdWallet strives to keep its information accurate and up to date. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. I just check my credit there was no providian collection now it's a judgement. And be on the lookout for the signs of a debt collection scam. Here is a list of our partners. You can do this yourself, even though many. See details. How the debt collector will report the debt to credit bureaus. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. My husband is so embarrassed, because he is always the go to guy at work and this is damaging his reputation. I do not know how I owe this money and need some clarity as to what can be done to resolve this matter. International Association of Better Business Bureaus. The U.S. There are no debts/collections showing on his credit reports and the news from HR was the first time we've heard of this. And although laws vary state by state, collections agencies are generally not allowed to use unfair practices like adding fees and interest on top of what you owe (since they're already making a profit from it), nor can they threaten to take your property through illegal means. C. Ray. Explain to the creditor why you can't make full payment. This option can help you pay off the debt in a manageable way. Ask them to place a fraud alert on your credit report. 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. I received a call from ************** saying I owe money to Providian National Bank. You won't go to jail for your debt, so if the collector says that you will, they're lying. 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. 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. This is a reality for millions of Americans. 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. First, if criminal activity was involved, contact your local law enforcement. 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. WELCOME! You also cant be sued in any county other than where you lived when you signed the contract or at the time the lawsuit was filed. Providian Credit Card. ComplaintsBoard.com is a leading complaint resolution website on the Internet. Past performance is not indicative of future results. I asked her for her name and she hung up on us. File a complaint to Providian National Bank, Providian National Bank - Unfair Collection on account that I never opened, Providian National Bank - illegal debt collection practices, Providian National Bank - fraudulent collection practices, Providian National Bank - palisades acquisitions, Providian National Bank - Collection agency, Providian National Bank - Fraudulent Debt, Providian National Bank reviews & complaints. this shows you just how much companies don't care about the american pple HELLO PROVIDIAN WHO EVER YOU ARE WE ARE IN A RESESSION DUH CAN YOU HEAR ME? You might be using an unsupported or outdated browser. How the debt collector will report the debt to credit bureaus. First of all, the law prohibits debt collectors from lying, threatening you with things they can't do or posing as government officials. 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. Why, after 14 years, do I get a phone call saying I owe them money? my funds A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. I told the guy I have no idea what credit card hes talking about . You may be upset, but trying to get revenge will not work. Here is a list of our partners and here's how we make money. As with any negotiation, start lower than your target. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. They gave me another # too call which was a collection agency. Write them down. 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. Close. Break off contact with them and file a complaint. I have no credit cards and never had any from Providian. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! Please try again later. My bank account is now almost $1000 over drawn and there is nothing I can do about it. Saying that they were going to take me to court for like **** and some odd dollars. More details on software and accessibility are available at WebAIM.org. The original creditor may. 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. We believe that a truly successful business puts customers first. Your financial situation is unique and the products and services we review may not be right for your circumstances. Here are six telltale signs that you're dealing with a credit collection services scam: 1. Real debt collectors will accept normal, trackable payments (e.g., check, traditional credit card, etc.). 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. The good news is that you may have legal defenses if you are sued on an alleged Providian credit card debt. The greater the debt and the longer its been in collections the. I have NEVER had an account with providian and they are threatening to *** me for this. They transferred me to credit card services to look up any old Providian accounts I might have had=none. 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. 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. Explain to the creditor why you cant make full payment. They are not scam artists, they just do not play nice when it comes to collecting money. I have read many of the complaints and urge you to go to the FTC site or your states Fair Debt Collection section and know your rights. I cover what's going on in the news and how it affects your bottom line. I did not agree to any amount as this is not my debt. 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). "Sometimes people do not even realize they have some of their debts.". So if this bank does not exist who is the money going to? will be forwarded to the company advertising on the DebtCC. This process can take months, if not years, depending on how hard a score was hit due to bills in collections. Select spoke withShelly-Ann Eweka (CFP, ChFC), a wealth management director at TIAA, who shares everything you need to know about debt collections. 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. Prior experience includes news and copy editing for several Southern California newspapers, including the Los Angeles Times. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. 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. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. Sorry this is vane again my correct email address is [email protected]. . Note: When you get your credit report, review it carefully for false, outdated, or inaccurate entries. .$3000. Thanks.. A very rude man at *********************** answered the phone. I dont have a credit card, and its been 14 years since you claim I had that one . Think about the letter you received, Tayne says. I finally called Chase bank (who bought Providian) and nicely explained to them my situation. We called and another female operator confirmed my mom's name and birthday. Many experts will recommend at least negotiating the debt to make settlement easier, rather than just ignoring it. Editorial Note: We earn a commission from partner links on Forbes Advisor. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. The complaint has been investigated and resolved to the customers satisfaction. A Member . Contact the judgment creditor's attorney as listed in the court files; or. "Remember that the amount of debt forgiven may be taxablewhen you file your tax return," advises Eweka. 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. Never attempt to "scam the scammer." If they refuse to answer all of your questions, there's a good chance you're in the middle of a scam. Presumably. Accepted at millions of. No exceptions. There are risks with ignoring a debt in collections, like completely destroying your credit score and getting sued by the collector. I've requested my records and they won't give them to me, which is illegal. 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. 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. If they call again tell them to send you a letter of the details regarding that debt if they say anything in the realm of pay us now over the phone it's a scam. The collector must return your request before it can start trying to collect the debt again. Your first debt-payoff priority should be addressing the types of debts most likely to be toxic. In any case, the scammer will use all sorts of techniques to get you to . Instead, let the collector make the first move. 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. so make sure they arent scamming first and do research before paying. The court clerk will then attempt to reach the judgment creditor and, if their efforts fail, the money reverts to the state presumably to help widows, infants and orphans. If they don't seem to know enough about you, there's a good chance they're a scammer. That would include such things as payday loans, high-rate credit cards, rent-to-own contracts or extended car loans. After that, your fee will be 5% of each transfer (minimum $5). "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. For instance, a number of card issuers includingAmex,Bank of America,Chaseand more have stepped forward to offerfinancial assistance programs in light of the coronavirus pandemic. So if a debt collector pushes you to pay immediately, be very cautious. Whenever someone tries to collect a debt, ask for all of their company's information, including: Request all of these details. 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. Remember, we welcome your calls and emails at any time, including in the evening and on weekends. Pre-qualified offers are not binding. 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. Can someone tell me who and what this company is? Credit Card Payment Protection. 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. We know where you f*****g live!' For help, please check out the HELP section of the forum and forum announcements. Disclaimer: NerdWallet strives to keep its information accurate and up to date. These letters are very stressful and annoying. She called me a 'b***h' and I hung up. 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. Two weeks ago I received a summons to court! No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Do not sell or share my personal information. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! BBB Business Profiles are subject to change at any time. The collection agency would give me no information other than the name of the company they were working for. BBB Business Profiles may not be reproduced for sales or promotional purposes. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. Pay all of your bills on time. AND TODAY SHE RELIAZED HER CHECK WAS SHORT 300 DOLLARS AND FOUND OUT THAT PROVIDIAN TOLD THE PAYROLL DEPARTMENT AT HER JOB THAT THEY HAD A COURT ORDER TO GARNISH HER CHECKS WOW ! They want $1900.00 from me and filing fees. They have wiped me out! I had a Providian Bank Card with a credit limit of $600 and a balance of $175. Youll likely be informed via a letter in the mail, or a collector will start calling you. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. That is what they charge me; 18/99%. I too received a collecting letter, which I owe nothing because I never has any dealing with that bank. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) This will surely increase the credibility of your complaint. If you are unsure of whether the statute of limitations has passed, the CFPB recommends contacting an attorney in your state. will try to get you to pay them for this service. You can reach us on our office telephone (386-444-3032),by fax (888-990-1460)or by clicking here to send us an email message. 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 you have problems finding the original judgment creditor or have doubts over one who claims to be the judgment creditor, try the following: 1. highland height. Be sure to tell your creditor about any financial hardships you're experiencing, such as a recent layoff, furlough or reduction in working hours. Pre-qualified offers are not binding. In any case, the scammer will use all sorts of techniques to get you to pay intimidation, lies, harassment, etc. Weigh the pros and cons of funneling money into wiping out debt versus the loss of money for other expenses. You can say something like, Is there an option to settle this debt? . If you receive "verification of debt" or "copy of judgment" go to Contact the National Foundation for Credit Counseling (NFCC) and ask towork with a nonprofit credit counselor. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. His writing has appeared in The New York Times, USA Today and elsewhere. You may also be sued. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. I never had credit with them. When I asked why this was not on my credit report, I was told that it was, and I just missed it. Providian called me, offered the settlement, to which I agreed, sent them the money they required to fulfill the settlement at that time, & that was that- done, over. We will see if this corporation as people ### stands up. But debt collection scammers probably don't have all of your info already, so they'll ask for it. Note that if you have more than $600 forgiven, the IRS can consider that taxable income. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. Be sure you set an amount and schedule that won't strain your budget to the breaking point. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. Our opinions are our own. I told them I never heard of them. This complaint was posted by a verified customer. I am not going to send mone to someone i do not even know. Subsidized student loans vs. unsubsidized student loans which is right for you? And before you enroll in any type of financial assistance, considerwhat's best for your situation. I told her I was not going to speak with her or even verify my name. Re: HELP! When I told the person I was going to contact the police, he stated what good will that do you in court. Payment history is the largest contributing factor to your FICO score. thanks so much for the info. On "Smart Money," Sean talks with Nerds across the NerdWallet Content team to answer listeners' personal finance questions. not gonna wait for them to do what ever they want. , which can offset some of the damage done by delinquent debt. This compensation comes from two main sources. I am not giving them my bank info or anything else. We will get you. I have received nothing concerning this situation. If the collection agency agrees, it should send you a document outlining the deal. ComplaintsBoard.com is a leading complaint resolution website on the Internet. I want someone from *************** to call me and provide proof to me that I opened this account from over 20 years ago. They want me to settle and I don't have money to pay and I have never had an account with this bank. The card was open Dec.4th 2000-closed Sept. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Youve stopped checking your credit score. Finance and CBS News Radio. 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 . Providian Visa Platinum Card. thank u. I personally wouldn't go out of my way to contact them unless you can get an address through the CRAs. I'm having difficulty with contacts in order to get to the bottom off this. This is supposedly from 2003 or 2004 making this an approx 13 year old issue again past Fl. Our partners compensate us. [br] 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. Some collectors refuse to work with the latter, but are obligated to work with an attorney. I received nothing in the mail or otherwise stating that this would happen. They searched my social, name, and address. The new balance most likely reflects the interest which is common. in money or lost opportunity or carries too much risk. They said they had left it at the front door. SOL 95.11 (3)(believe sentence K) being 4 years in Florida for an unsecured credit card debt.