After reading a number of complaints about this company, I felt I would share my experience. I began receiving phone calls and letters a couple of years ago claiming I owed them approximately $1800.00. The debt was for a Providian Bank account I've never had. This was obviously a case of mistaken identity and I assummed they would eventually catch the mistake. Well... They didn't, and I became increasingly annoyed by their constant phone messages. I researched my credit report and saw no listing for a Providian Bank whatsoever.
I'm not the type of person who's receptive to a collection agency's morality speech tactics and believe the burden of proof concerning a debt is their responsibility, not mine. I'm not going out of my way to prove anything to them. I too, began to send large amounts of cease and desist letters to them and the calls stopped.
This isn't the first time I've been mistaken for someone else with a similar name. It seems as if collection agencies cast a net out on all of the names in the phone book! What I find disturbing is the thought of someone paying off these debts that don't belong to them.
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