I had an account with Providian. TImes got really tough for me. I called the company and they said they would work with me. I paid what I could and when I could and they eagerly accepted the money from me. However, a few months went by that I was not able to pay anything. I called them to explain and was told no problem. However, they coninued to charge their fees, etc.
After 90 days they sent me to a collection agency who was very ugly and threatened me with law suits, etc. However, I made a payment to Providian and the collections agency disappeared. I continued to do my best but it was never good enough.
Somehow my account got way out of control with all of their fees and such that there was no way that I could ever catch up. I asked them to close my account. They agreed and promised that no more fees or charges would occur. They lied. They never closed my account after many requests from me to do so.
The debt grew larger and larger. I offered to settle the account but they refused my offer. I was told it was not good enough. So, needless to say, I never heard from them again or received a statement for 5 months. I called Providian and was told that they wrote my account off and was hung up on. Then a few months later, I received a letter from Arrow Financial Services trying to collect the debt. The amount they wanted was double what I supposedly owed Providian to start with.
I disputed the amount and never heard back from them. I requested my credit report and found that Providian reported me as R9 and charged off the account with a balance of zero owed. They sold the account to Arrow and no longer dealt with my account.
I dispsuted the amount due listed under Arrow Financial and Equifax sent me an update that showed that the account balance was paid in full and no money was owed. So, I shrugged and said oh well.
Now, a year later I have been contacted by Bass & Associates Law Firm where they are trying to collect the debt which has tripled now. I disputed that with them and they said that if restitu
Tion was not made in 14 days that they would garnish my wages or issue a judgement against me. Now, I have never been contacted by anyone and it is a year later. I also have not received anything in writing from this Bass & Ass. Well, I am a stay at home mom now and do not work, etc. I called Providian again and was told that the account had been sold to Arrow Financial and to call them.
Providian would not deal with me. I called Arrow Financial and was told that I do not owe Arrow any money that they wrote it off and sold it to Bass & Associates and now Arrow will not deal with me. So, my credit is screwed thanks to them and now I am being threatened again with law suits and etc.
I have other friends and family members who have been screwed by this company. I do not think it is right to charge off an account and sell an account and then repeatedly try to collect. If I could not pay the 1000 dollars before it was charged off from Providian... How does anyone expect me to pay the 3299 they are asking for now???
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