5/27/06
I had an account with Providian that was stolen in 2002. I reported the card stolen, along with 2 others (Capitol One) at the time it happened. Capitol None immediately closed those accounts, and covered the stolen amounts. Providian refused to do so. Even after filing police reports, along with thw whole process, they refused to settle. They were harassing me daily, by phone, mail, etc. That is a whole other story, and only the BEGINING of this nightmare.
So, the account goes to Palisades collections, @Weltman Weinberg & Reis Co, who then filed a lawsuit against me. I knew nothing of this lawsuit, as the papers and mail corospondance were not even going to my address. I only knew after my checking account was garnished. They took every last cent I had.
So, I follow up. They were rude from the start. Refused to listen to anything I had to say. So, I make arrangements to pay the account. What else could I do at this point? I knew I did not owe this money, but these blood suckers would continue to garnish my checking account.
All this was in 11/05. After that, I payed as was agreed, on the date that was agreed. I was late in February, by 3 days, and received a warning of further garnishment. The next month, I sent my payment on time (due on the 11th of the month), only they did not receive it until the 15th.
Again, they garnished my account on March 17th. They also sent the check to my bank, which of course was denied because they had taken all the money out. So, now they want 2 months (240) AND the 379$ they took from my account. Only now they won't accept a check because I now had an ISF on a payment. I then stopped payment on the check I sent them, because I knew they would try to send it back through. So, I send the freaking 240$ (March and April).
In May, I figure I"ll just play their game, send a money order, PRIORITY MAIL, on the 5th of May. I then on May 17, I receive a call from them telling me that I have defaulted on the agreement again. I inform them of the payment sent, the day sent, the amount, the priority mail. The lady seemed ok with that, and told me that maybe it just hasn't cleared their yet on their end.
On May 22, I get another letter telling me I have again defaulted on the agreement. I look up the money order on the website that keeps track of those, and the money order was cashed May 16. I am enraged. If I were not trying to be professional in this letter, I would have swear words every two lines. This issue is clouding everyday with anxiety and worry that it will never end. So, I develop a new ulcer.
I have disability checks automatically depositied to my checking. I have been remiss in changing the arrangement with the disability checks. I found out from my bank that even if I closed this account, I would be hunted down again, because these monters find us by our Social Security numbers. However, I will now request the checks be sent via mail, and just not use the account. So, I learn to take every dollar out of the account, and resort to money orders.
It seems like there should be some recourse done here, only I don't even know where to start. It just seems wrong what this company is doing, and from reading this site and a few other's, I have found that I am not alone and that every one of the letters submitted about this company could all be written by the same person.
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