I lost my job, notified Providian of this situation and asked to be placed in hardship for 2 payments, so that I could have time to find a job and not worry about my credit going bad. This account had less then $500.00 for a credit line on it. Their agent told me they dont do any assistance and that I had to make my payments. I stated that I had proof I wasnt deceiving them, I also said that the fair credit act states that all credit card companies have to offer some sort of hardship for its accounts. So we talked small talk and he said that he could give me a payment deferal for 60 days and that should help me in finding a job.
So two statements go by and I am just opening them for the first time since I got an approval from him. I was shocked to find that now my account WAS LISTED AS PAST DUE and now they have tacked on over the limit fees, past due fees, collection fees. I was shocked! Now I get on the phone and talk to a clerk who told me she can see where things were not correctly entered and said that I needed to speak with thier collection department to get it all resolved. So I speak with another young lady in that collection department who specificly states that yes she also see where Providian made a mistake in handling this account. She said she would try and fix the problem with the supervisor right after that person returns from lunch.
Days later I get a call from EUGENE DIXON who is a collection person for them, this time he wasnt admitting anything and demanded that I make the payments to bring the account up to balance and I told him what transpired in their error and he AGREED TO REMOVE ALL PAST DUE FEES, OVER THE LIMIT FEES AND COLLECTION FEES ON THE ACCOUNT TO BRING IT DOWN TO THE LIMIT IT WAS AT PRIOR TO THE $500.00 BALANCE. We both agreed that I would pay the account and I stated that this was your companies error and therefor under the fair credit reporting act. I told him he had to remove it from the credit report as well, I also stated that the girl who I talked to before him also stated that it was Providians error. He was not cooperative at all with me for a few days and after several days of talking with him and explaining the same story over and over, he finally agreed that their was a mistake and then said that it was the part of both parties and I screamed at him in the phone, " THIS IS NOT MY ERROR AND MY CREDIT WILL NOT SUFFER AT THE HANDS OF YOUR COMPANIES ABILITY TO ATTEMPT TO RUIN MY GOOD STANDING.
Now a few months have gone by and I paid the account off but I wasnt paying any money to that company until I seen that all the charges were removed. This was to satisfy me, he knew I was doing this and agreed the allow me to make two separate payments to pay this account off. Now I told him to close the account, I also told him to get this taken off my credit report because it was their error and not mine. He said that providian is unable to correct any credit reports because the reporting agencies do not remove information from collection accounts. I said bullshit, i am no spring chicken mr dixon and you get this removed or you will be listed on a lawsuit as well for lying to me. I wont ever do business with providian ever again and I will tell everyone.in FACT MY FRIEND CLOSED HER PROVIDIAN ACCOUNT ALSO BECAUSE OF THIS. HA HA.
Now time has passed and I obtained a credit report from two services and I am black listed on both services FOR THIER MISTAKE. I have sent a letter to PROVIDIAN a few times. They have not responded what so ever! Nothing! I have filed a complaint with the state attorney generals office, but with budgets cuts and staff cuts, it will be about two years before they get to this complaint. I want everyone to know that they are deceptive and lie to get their money and then wont correct their mistake.
Everyone at some point or another, has hardship and the law says this is a legitimate reason for extenuating circumstanses to defer payments and i had followed the rules by notifying them but they have not done anything.
I also want to say, they will change the rules of your credit statements very often and the sad things is, we as consumers do not know when they make these changes because they do not notify everyone. I had a friend who has the same dumb card and she got a green flyer in her account but I didnt get one in my account statements they sent to me. Kind of odd and unfair. We figured she got the changes because she was a woman, sounds biased but its most likely true!
Bill
st paul, Minnesota
U.S.A.
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