Providian Financial sent an add in the mail (Junk Mail) in wich my wife and I filled out the aplication and sent in. We recieved our cards a few weeks later. I was injured and un able to pay my bills so we feel behid in our payments. We recieved a settlement wicch in turn paid off our debts. We paid Providian off and closed the account so we thought. The account should have 0 balance and closed as of like March. We have Money Order Reciepts proving this. Put the reciepts in the safe, I dont know why but I keep everything. Started recieving phone calls and letters in the mail about a delinquent account. Being that these bottom feeding collectors seem to not know any information about the debt they are attempting to collect I blew thier attempts to contact us off. Then we recieve a letter from a local attourney, and we are currently involved in a lawsuit in wich we are being sued for some crazy amount somewhere around 6 or 7 thousand. The card had a limit of $500.
We called our states attorney general office, he was familliar with Providian and this problem. But because we are already being sued there was nothing he could do. He feed us with as much info as he could to help. We have been to a pre-trial in wich the attourney was 20 minutes late, and he seemed to had never breifed or read the paper work he had. So he fumbled thru the entire pre-trial. Even though we have reciepts showing that this debt was paid off in full well before the acount was sold, and proof that the debt had also been wrote off well before this pretrial, he request another pre-trial. I dont know about you but Providian got Paid, wrote the Debt Off, and then sold it to Collections, they were paid 3 times for this Debt, and someone else is trying to get paid again. Someone really needs to do something about this kind of Fraud that is Spreading like a Diseas across this nation.
Oh yea by the way I cant afford an attourney so we are forced to represent ourselfs. I have in fourms for the past few months that Providian has been accused of destroying checks that consumers had sent in for payment, and in doing so charging the customer a late charge. I remember going rounds with them about these late fee's. The site that I have found most of my info is www.providianfinancialsucks.com wich is forum simular to this one and there is also www.consumeraffairs.com. And the best part is that in almost all of these story's the time of account ending and the time the harrasment sart's is all around the same time.
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