However, this does not influence our evaluations. Someone paidtheir own money, out of pocketin the past to cover your prior debt. 14 complaints closed in the last 12 months. Before you make a payment on a debt, first determine whether the debt is past the statute of limitations so you can handle it properly. For example, the lawsuit needs to comply with Floridas court rules for the summons and complaint; often, they do not. This is the only bill that is holding me up from financial freedom. 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. If the debt doesnt belong to you, you can dispute it. Never attempt to "scam the scammer." 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 . They sued me and went to court in 04 and I did nothing about it (dumb youth). Cheryl lindsey. His writing has appeared in The New York Times, USA Today and elsewhere. They said that I opened up a cc April 2001 & that they have served me papers before - which they have not. IF you want it to not hurt you anymore, my suggestion would be if you owe, pay it. Read more about Select on, Best Debt Consolidation Loans for Bad Credit, Personal Loans for 580 Credit Score Lower, Personal Loans for 670 Credit Score or Lower, National Foundation for Credit Counseling, One of the best travel credit cards has a new 80,000-point bonus offer. 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. Ignoring a lawsuit over a delinquent debt puts your wages, bank account or property at risk. I'm making a complaint because If this company is legit, the operator who called us was beyond rude, disrespectful and unprofessional. They are required to tell the other two agencies about your fraud alert. what is going on need help please. A very rude man at *********************** answered the phone. Debt collection calls are the cause of more complaints to the Federal Trade Commission than any other industry. Hopefully something can be done, this is absolutely ridiculous. 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! She began shouting, said, 'Oh, here we go, another f******* deadbeat. 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. My husband stressed over this all weekend not knowing what was going on or what to expect. Negotiating a settlement for a single payment of less than you originally owed can make the debt easier to pay off. I advised my husband against speaking with anyone else from this company and I plan to seek legal representation concerning this matter. 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. How can they do this? So why would I have a credit card. Collections agencies buy your unpaid credit card debt from your card issuer when your balance lingers too long but that doesn't mean it goes away. HELP! OLD CC COLLECTION DEBT/RIPOFF SCAM! - myFICO Forums - 670451