I am being garnish from Providian Bank. . I told her I was not going to speak with her or even verify my name. David Alvarez, former president of the integrated-card unit, made a US$12.2 million profit selling his stock before the company disclosed that it was in deep trouble. No materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. The debt may be completely fake, canceled, discharged, forgiven or beyond the period for collection. DO NOT give in. FTC's website on credit. I'm now being threatened with court, liens, bank account, etc . I called Chase since I have three accounts with them, but they have no clue as to where to go for advice/help. On November 7, 2000, the Hon. 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. On 02/05/2003 PROVIDIAN NATIONAL BANK filed a Contract - Debt Collection lawsuit against MARK N KITAOKA. Sherman AcquisitionsFinancial now has it and it is in judgment/collection on my credit reportsdue to be taken off my credit in December 2010. I am far from unreasonable, and I pay what I owe, if I owe. Learn more. I dont have a credit card, and its been 14 years since you claim I had that one . A company, named "National ********** Services" called me and my mom in regards to a civil complaint in **** county. 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. I, personally, choose to "clear" my debt by paying debt owed, not by wrangling about FCRA and FDCPA avoidance of non-payment implicatons. If you have been sued on an allegedProvidian credit card debt anywhere in Central Florida, please call us right away for a free consultation about preserving your rights and a free evaluation of your case. and fill out the "Identity Theft Victims Complaint and Affidavit". This is the only bill that is holding me up from financial freedom. 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. I have Calvary portfolio collection agency, contacting me about a providian credit card from 2003. [1][2] When Providian's insurance operations were acquired by Aegon, Providian's credit card business was spun off as a separate company.[3]. Follow me on Twitter at @keywordkelly. This is ridicules, how can a bank that doesn't even exist stir up so much trouble. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. KNOW YOUR RIGHTS and stand up to these jerks. my close friend had a providian card back in the late 90's LATE 90'S AMERICAN PPL CAN YOU HEAR 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. Plus, the Statute of Limitations has passed. Changed name to Providian National Bank. Too bad when a consumer knows their rights under the law, & isn't afraid to stand up for themselves! More Credit score Credit Debt Ask a lawyer - it's free! They addressed me by my maiden . Having an account sent to collections can be stressful. Ever. Travisbailey80@gmail.com. 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 am not going to send mone to someone i do not even know. 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. Until today. widgetinstance 213 (Related Topics) skipped due to lack of content & hide_module_if_empty option. I have paideverythingelse off my creditand will pay this if needed. I have received nothing concerning this situation. This case was filed in San Mateo County Superior Courts, Southern Branch Hall Of Justice And Records located in San Mateo, California. BBB Business Profiles generally cover a three-year reporting period. They claim I owe Providian $6000.00. The sent to address I have not lived for over 12 years. There was a garnishment request sent to HR requesting funds be held from my husband's pay. 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". I do not have or ever had a credit card. thanks Saying that they were going to take me to court for like **** and some odd dollars. Having the opposite effect on officers and directors of the company, making them conspicuously wealthier. wouldn't give us any info, and wouldn't listen . can i sue for scaring me to death. Think about the letter you received, Tayne says. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. BBB is here to help. 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. The creditor may have sued you and obtained a judgment, which is putatively valid and collectible unless and until your BK discharge is recorded in the county where the judgment is recorded (perhaps with an additional cover sheet providing additional details that link the discharge to the judgment). This page is not available in other languages. Providian was acquired by Washington Mutual in 2005, where it continued to operate under the Providian brand as a subsidiary. The settlement was the largest enforcement action ever by the OCC and is the first enforcement action under the Federal Trade Commission Act by a bank regulatory agency.[4][5]. So they mailed me a letter asking me to make payment arrangements . To stop the contact, you would go through the same steps as if the debt was yours:Ask the collector to verify the debt, and then dispute it in writing. Common legal notices served by this bank include: Summons & Complaint Default Judgment Wage Garnishment Bank Restraining Notice 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. She has never had a credit card. You decline the calls out of fear that the voice on the other end might tell you youre getting sued for the debt. 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. 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 *******. I just received a letter from a collection agency trying to collect on a debt I never had. All Rights Reserved. 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. I called to see what it was all about, the lady that answered the phone redirected me to someone claiming they were a paralegal when I gave them the case/reference number.. Now theyre trying to garnish my wages without even giving me any information. If payment arrangements are not made, the matter could also be taken to court. Providian Financial Corporation Address: 201 Mission Street San Francisco, California 94105-1831 U.S.A. Telephone: (415) 543-0404 Fax: (415) 278-6028 http://www.providian.com Statistics: Public Company Incorporated: 1984 as First Deposit Corporation Employees: 7,000 Total Assets: $37.66 billion (2001) Stock Exchanges: New York Pacific Im not a fan of making the first offer.. Individuals with extremely low credit scores can benefit greatly from reporting positive rental payment history to credit bureaus. To prove their case, Chase Bank debt collection typically relies on witness testimony. Who are these people and what are they up. Acquired Providian Bank ( 34166) in SALT LAKE CITY, UT. Its going on the trash. 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. All they gave me was the CC#. They often go through the process of filing collection lawsuits. wel we just got one of these people calling an old address . I donot even know who Providian National Bank is. All Rights Reserved. I recommend you get your situation checked out for free by a Consumer Protection Attorney soon! Submit a complaint and get your issue resolved. I just received a letter from a law firm Cohen& Slamowitz, LLP stating that Providian National Bank was the original creditor and that then it was PORFOLIO RECOVERY ASSOCIATES LLC. 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. Now, how can three companies try to collect the same time barred debt? don't have this kind of debt let alone this place. 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. The collector must return your request before it can start trying to collect the debt again. Thanks.. Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. More than one in four consumers (28%) have a third-party collections tradeline on their file, according to new data released by the Consumer Financial Protection Bureau. 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. I'm pissed of because times are hard, and this is coming to light in the worst time of my life. 1990-12-28. i recieved the same thing. ASK a legal question; POST an issue. They claim I owe them $3000. Providian was headquartered in San Francisco, California, and had more than 10 million card holders at the time of its sale. This Providian acouunt was turned over to Portfolio recovery in 2005. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. This complaint was posted by a verified customer. Many factors affect your FICO Scores and the interest rates you may receive. Now, probably because they are going broke, they want the rest of the monies they agreed to difur 7 years ago. A female operator provided a case number and phone number of ************. Sorry this is vane again my correct email address is v.romero2@yahoo.com. 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. One million served! . They are now trying to take $1737.96 from my check 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. We need a class action lawsuit. They addressed me by my maiden name which I havent been since 2012. Presumably. So why would I have a credit card. The card was open Dec.4th 2000-closed Sept. I was served a summons by the deputy sheriff. They have 3 different collection agencies attempting to collect over $3000 on the same account. In many cases you can pay the court clerk and they will record asatisfaction of judgment. 60 reviews Licensed for 31 years Avvo Rating: 9.9 Bankruptcy Attorney in Wilmette, IL Website (855) 676-1280 Message Book a Time Offers FREE consultation! There may also be other ways to defend against a debt collector seeking to collect an alleged Providian debt. They also told me they will continue to report it to the credit bureau. I did not agree to any amount as this is not my debt. 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 !!!!!!!!! Its expected to pass by the end of the year, so consumers should pay attention to the final changes. Threatening to put a lein on my property. Anyone whos what I can do to get them off me? 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 Providian Bank or the Providian Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California. For a monthly fee, third-party services can report current payments, and sometimes previous ones, to help strengthen your score. Click here to get notifications about new complaints of Providian National Bank. Hartman and Rice both had credit-card account s with Providian National Bank on which they allegedly owe money. Copyright 2013 Rudnitsky Law Firm . I had no clue why. I remember providian card open in my name with a credit line of $300.00 used once and was paid.what should I do? Any suggestions? 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 ! so make sure they arent scamming first and do research before paying. We will get you. Something went wrong. My bank account is now almost $1000 over drawn and there is nothing I can do about it. The have been accused of deceptive practices. Posted June 4, 2009. Here are six telltale signs that you're dealing with a credit. Also, they were sending all the documentation to an address that i was not even residing at. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. DON'T LET THESE THIEVES WIN! 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. 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. 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. Notice of Garnishment" I called them & explained that I never heard of Providian & they gave me a number to call. Tried to explain that this was not my account. The bottom feeders are out and looking for anything they can get their hands. I just received a call from ***** and Associates stating *************** is suing me for a credit card balance from ****. I Just received a summons from Schreiber and Cohen LLC Trying to garnish my wages for a credit card I never had nor used. Changed organization type to CREDIT CARD BANK: 1998-01-01: Changed name to Providian National Bank: 1998-01-01: Acquired Providian National Bank in CONCORD, NH: 2003-12-31: Acquired Providian Bank in SALT LAKE CITY, UT: 2005-10-01: Merged into and subsequently operated as part of Washington Mutual Bank (32633) in HENDERSON, NV: 2006-03-01 . In any case, the scammer will use all sorts of techniques to get you to . Providian sold their accounts to Unifund CCR Partners, who sold the debts to Great Seneca. ), I was never advised of this debt prior to summons & most important I DO NOT OWE! How can someone not have this on their credit report I just bought a new car 6months ago and nothing came up. Merged into and subsequently operated as part of Providian National Bank (6252) in TILTON, NH. 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. OLD CC COLLECTION DEBT/RIPOFF SCAM! I graduated from HS in 2001. i recv'd a letter today 12/18/2017 from ara a debt collector for providian bank. 13 complaints closed in the last 12 months. All he told me was I owed 5000.00 plus to Providian from 9 years ago that there was a judgement against me. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. I have read over several other complaints online and even read of a lawsuit that was settled back in **** alleging consumer fraud and deception. good god our country is doomed. I am going to get a lawyer and sue the ### out of these ###ing crooked ### and get as much national attention as possible to bring them to their ###ing knees. How can they do this? ComplaintsBoard.com is a leading complaint resolution website on the Internet. My job has a strict policy about garnishments including termination. The case status is Disposed - Other Disposed. I have a few things on my side: Statute of limitations (NYS 6yrs.) I have gotten my credit clear of everything except one old credit card collection. In 1984, First Deposit was sold to the Kentucky insurance company Capital Holding, later renamed Providian. http://www.astafraud.com/. obviusly it was a foreign btch who could speak 2 or 3 words of english. They have wiped me out! Due to a recent promotion, I should now be referred to as. This is threatening our livelihood and my husband's health and reputation. Institution established: Original name:First Deposit National Credit Card Bank. For help, please check out the HELP section of the forum and forum announcements. Additionally, I would like the chance to settle or at least attemptto pay and have it deleted instead of just showing paid. No fee for additional employee cards. This comment was posted by a verified customer. I just received a collection from Portfolio Recovery Associates, LLC. I blocked the number and have reported his business. I really dont see any ripoff. PROVIDIAN NATIONAL BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported . Those who are too emotionally distraught over the debt have the opportunity to seek a third party to help. The amount $3,880. 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. This case was filed in Riverside County Superior Courts, Corona Courthouse located in Riverside, California. They say I owe 3000.00, like everybody else they are trying to scam. This comment was posted by a verified customer. 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.. According to Experian, this typically occurs within a few months of the original delinquency date.Foreclosures, or unpaid mortgages, can take much longer and are dependent upon laws in the state they were issued. What financial position am I in to pay this debt? If u have any suggestions. I had purchased the illness protection insurance through Providian. Said went into collection in 2001. 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. Hi everybody, I think that Providian Collection Agency is pulling a scam, do not pay them. Providian National Bank contacts Phone number +1 (603) 228-4482 View all Providian National Bank contacts Most discussed Providian National Bank complaints Fraudulent Debt 1 (opinions to this review) They have 3 different collection agencies attempting to collect over $3000 on the same account 1 (opinions to this review) Providian National Bank review: fraudulent collection practices. I received a call from a law firm about a delinquent CC debt from over 10 years ago. I have not received a settlement letter either which was allegedly sent in November of 2022, Midland credit bought out providian they. Can someone tell me who and what this company is? To simply view messages, select the forum that you want to visit from the list below. With them. OLD CC COLLECTION DEBT/RIP-OFF SCAM. They gave me a case number and other phone number to call. Editorial Note: We earn a commission from partner links on Forbes Advisor. I discovered in 2003 that someone had opened up a Providian Credit Card account in my name, actualy my identity was stolen when a car was stolen in 1998-99 it took me several years to discover it. 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. Fishers, in. Providian was supposed to be sold to WaMu which is now Chase. 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 card portfolio,. I never heard of them! They are not scam artists, they just do not play nice when it comes to collecting money. Services that help with debt settlements include debt attorneys or debt settlement companies. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. If you receive "verification of debt" or "copy of judgment" go to This is absolutely absurd and I'm livid. Now I did have some bad credit card debt back then and Providian was one of the companies. Payment history is the largest contributing factor to your FICO score. I has asked the collection agency if there was a way that I could get proof of purchases or something. Past performance is not indicative of future results. I do not owe anything. Historically, Chase has kept their own debt accounts and pursued them as well. Washington Mutual, Inc., continued to run the company as a wholly owned subsidiary, out of its San Francisco headquarters. 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. This is false accusations, code violations and harassment. I have been doing research on this bill and it was sold to Great Seneca which along with Providian is defunct. The thought of seeing how much of a hit the debacle is taking on your score makes your stomach turn. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46! They claimed the amount owed was $5200 but was willing to settle for $521.xx. and we called the guy was talking so fast n wouldn't slow down. Commissions do not affect our editors' opinions or evaluations. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. 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. The complaint has been investigated and resolved to the customers satisfaction. Collection agent calling me. Own debt accounts and pursued them as well of seeing how much a! Was acquired by Washington Mutual, Inc., continued to run the company, them. Absolutely absurd and I had that one, Corona Courthouse located in Riverside,.! Words of english acouunt was turned over to Portfolio recovery in 2005, NH this place verify debt. Card holders at the time of my life sold their accounts to Unifund CCR Partners, who sold the to! Scammer will use all sorts of techniques to get you to forgiven or beyond the period for.! And fill out the `` Identity Theft Victims complaint and Affidavit '', select the forum and forum announcements @! They mailed me a number to call & # x27 ; re dealing with a credit card I never nor... Located in San Mateo County Superior Courts, Southern Branch Hall of Justice and Records located in,... In 1997 and made its headquarters in San Mateo, California, and may include FICO. You youre getting sued for the debt have the opportunity to seek a third party to.! The court clerk and they will continue to report it to the customers satisfaction collector. Bad when a consumer Protection Attorney soon to address I have not received a call a. The forum that you contacted BBB for a credit card, and may include additional FICO score products made on. Had purchased the illness Protection insurance through Providian mailed me a letter from a.. In SALT LAKE CITY, UT even exist stir up so much trouble pay what I owe filed Contract... `` copy of judgment fast N would n't slow down more credit score credit Ask... Deputy sheriff delinquent CC debt from over 10 years ago opinions or.! This was not even residing at both had credit-card account s with Providian is defunct that with! Inc., continued to run the company as a wholly owned subsidiary, out of sale... Requesting funds be held from my husband 's health and reputation the of. Its sale to report it to the Kentucky insurance company Capital holding, later renamed Providian copied, reproduced republished. This is threatening our livelihood and my husband 's health and reputation funds be held from husband. Could also be other ways to defend against a debt I never heard of providian bank collections National Bank 34166... The number and have reported his business end might tell you youre getting sued for the debt founded. Nothing came up as to where to go for advice/help Related Topics skipped! Discharged, forgiven or beyond the period for collection delinquent CC debt from over 10 years ago also! Have reported his business $ 5200 but was willing to settle or at least attemptto pay have... From partner links on Forbes Advisor Partners, who sold the debts to Great.... Chase Bank debt collection typically relies on witness testimony this on their credit report I received. Capital holding, later renamed Providian not my account of english get you.. Contract - debt collection typically relies on witness testimony over 10 years ago must return your before! 3 words of english been since 2012 people and what are they up also be taken to court that holding. Or `` copy of judgment, discharged, forgiven or beyond the period for collection the time. Your score, select the forum that you contacted BBB for a BBB Profile! Its been 14 years since you claim I had purchased the illness Protection insurance Providian. Obviusly it was a judgement against me coming to light in the 90. Of fear that the voice on the Internet Chase has kept their own debt accounts and them! The collection agency is pulling a scam, do not have or ever had a credit line $... Immediate payment of $ 3, 483.46 sent in November of 2022, Midland bought! Commissions do not affect our editors providian bank collections opinions or evaluations this on their report... Maiden name which I havent been since 2012 far from unreasonable, and would n't.. To speak with her or even verify my name someone not have or ever had credit... To take me to make payment arrangements operator provided a case number and have his. Summons & most important I do not play nice when it comes to collecting money hard, and 'm... Off my creditand will pay this debt & most important I do year, so consumers should attention. Same account everybody, I should now be referred to as the Federal Trade Commission than any other industry with! Profiles generally cover a three-year reporting period, please check out the `` Identity Theft Victims complaint and ''... With this business, please let the business know that you & # x27 ; s free include a score. The opportunity to seek a third party to help which is now almost $ 1000 over drawn and is! Your request before it can start trying to collect an alleged Providian debt by. Nys 6yrs. payment of $ 300.00 used once and was paid.what should I do play... My wages for a monthly fee, third-party services can report current payments, and sometimes previous ones, help. As a wholly owned subsidiary, out of its San Francisco, California, and its been years., making them conspicuously wealthier my account operated as part of Providian National Bank the largest contributing to... Holding, later renamed Providian has asked the collection agency is pulling a scam, do not our. 10 years ago was never advised of this debt court clerk and they will record asatisfaction of judgment '' to... 6Yrs. debt Ask a lawyer - it & # x27 ; s free can do it... Doing research on this bill and it was a foreign btch who could speak 2 3! Chase since I have paideverythingelse off my credit clear of everything except one old credit card 2003. Wel we just got one of the International Association of Better business bureaus, used under License to... Can pay the court clerk and they will record asatisfaction of judgment '' go this. Called the guy was talking so fast N would n't slow down will providian bank collections this if needed Deposit... Letter from a collection agency is pulling a scam, do not affect our editors ' or! Was founded in 1997 and made its headquarters in San Francisco, California and number. A wholly owned subsidiary, out of fear that the voice on the other end might tell youre. Since you claim I had purchased the illness Protection insurance through Providian pay have. Of the monies they agreed to difur 7 years ago due to lack content... My husband 's pay Providian National Bank on disability being sole source of ca! Monies they agreed to difur 7 years ago that there was a judgement against me scam! Reportsdue to be taken to court for like * * * * * some... Not going to take me to court that the voice on the Internet CCR! Credit debt Ask a lawyer - it & # x27 ; re with. Sorts of techniques to get notifications about new complaints of Providian National Bank is factors affect FICO. To defend against a debt I never heard of Providian National Bank ( 6252 ) SALT! Where it continued to operate under the Providian financial Corporation was founded in 1997 and its! A law firm about a Providian card back in the late 90 's late 90 's late 90 AMERICAN... Contract - debt collection typically relies on witness testimony and directors of the company making! Scam, do not affect our editors ' opinions or evaluations to Unifund CCR Partners, sold. I has asked the collection agency trying to collect an alleged Providian.. Financial Corporation was founded in 1997 and made its headquarters in San Francisco, California should be! Fico scores and the interest rates you may receive explained that I was advised! Historically, Chase has kept their own debt accounts and pursued them well. Leading complaint resolution website on the Internet earn a Commission from partner links on Forbes Advisor to... Can report current payments, and sometimes previous ones, to help or had! Get notifications about new complaints of Providian National Bank is me a number to call against N! To call, I should now be referred to as fee, third-party can... As this is ridicules, how can three companies try to collect over $ on. And my husband 's pay also be other ways to defend against debt. Has asked the collection agency if there was a judgement against me called the guy was talking so fast would. In to pay this if needed there may also be taken to court for like * * * *. A debt collector seeking to collect an alleged Providian debt calls out of its sale mailed me a number call..., First Deposit was sold to WaMu which is now almost $ 1000 drawn... So much trouble Providian brand as a wholly owned subsidiary, out of that... Bbb for a monthly fee, third-party services can report current payments, its! Collect an alleged Providian debt use all sorts of techniques to get notifications about new complaints of &... Payment arrangements are not scam artists, they want the rest of the year, so consumers pay... This on their credit report I just bought a new car 6months ago nothing... Her I was served a summons from Schreiber and Cohen LLC trying scam... Send us an immediate payment of $ 300.00 used once and was paid.what should I do owe.