- Report: #440986
Complaint Review: Providian National Bank - Illinois
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Providian National Bank
Illinois, U.S.A.
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Providian National Bank Providian Refused To honor Illness, unemployment Payment Protection Insurance Purchased through them Illinois
I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I had purchased the illness protection insurance through Providian.
When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it.
Now they have 3 different collection agencies attempting to collect over $3000 on the same account!!
How can they do this?
The debt is over 3 years past the SOL.
I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions:
1: A one time payment of 870.70
2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73
3: Take monthly payments from my account that 'I' find affordable until the account is paid in full.
Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit.
Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused.
She began shouting, said, "Oh, here we go, another f******* deadbeat. We will get you. You will pay, do you hear me!!!! You cannot get away from us. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3,483.46!!! Do you want to go to jail? Because if you don't pay this, that is where you are going!!!! Do you honestly think we can't get you? We know where you f*****g live!!!!"
I told her I was not going to speak with her or even verify my name. She called me a 'b***h' and I hung up.
They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone.
Now, how can three companies try to collect the same time barred debt? Who would get the money.
I am not giving them my bank info or anything else.
The lady was so threatening, I am afraid.
Teri
Pen Argyl, Pennsylvania
U.S.A.
When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it.
Now they have 3 different collection agencies attempting to collect over $3000 on the same account!!
How can they do this?
The debt is over 3 years past the SOL.
I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions:
1: A one time payment of 870.70
2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73
3: Take monthly payments from my account that 'I' find affordable until the account is paid in full.
Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit.
Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused.
She began shouting, said, "Oh, here we go, another f******* deadbeat. We will get you. You will pay, do you hear me!!!! You cannot get away from us. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3,483.46!!! Do you want to go to jail? Because if you don't pay this, that is where you are going!!!! Do you honestly think we can't get you? We know where you f*****g live!!!!"
I told her I was not going to speak with her or even verify my name. She called me a 'b***h' and I hung up.
They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone.
Now, how can three companies try to collect the same time barred debt? Who would get the money.
I am not giving them my bank info or anything else.
The lady was so threatening, I am afraid.
Teri
Pen Argyl, Pennsylvania
U.S.A.
2 Updates & Rebuttals
Steph
Minor Hill,Tennessee,
U.S.A.
do not give them your bank imformation
#2Consumer Comment
Mon, April 06, 2009
You do not have to give them your bank imformation. You did the right thing by refusing to give that . If this collection agency is continuing to call ask your phone company about putting a block on the #s they are calling from . The next time that b***h calls tell her f--- you and hang up. You are doing the right thing by refusing to give bank imformation. These agecies will rip you off
Robert
Irvine,California,
U.S.A.
Suggestion...
#3Consumer Comment
Sun, April 05, 2009
First how old is this debt? Because to go from a balance of $175 to over $1700(now $3400) even with interest and fees, sounds as if it is either excessive or a very old debt. If this debt is more than a few years old it may be no longer legally collectable due to the Statute of Limiations, which varies by State. The other thing you need to read up on is the Fair Debt Collection Practices Act(FDCA). This is the rules a 3rd Party Collection Agency(including "lawyers" attempting to collect a debt must follow). Making threats that you will go to jail is a direct violation of the FDCPA. They know it is a violation which is why they probably gave no information on who they were. For this if you have a phone number you can do a reverse phone number search to find out who they are. If they are in violation you can actually turn around and sue them for up to $1000. Legally only 1 company has the right to collect on a debt at any time. So if you are having 3(now 4) attempting to collect the debt at the same time all but one is wrong. The best thing to do is send each one a Debt Validation Letter, where they must prove that you owe the debt. Contrary to what they want you to think it does not work the other way where you have to prove you don't.
