I opened my account and paid the yearly membership fees. I never received the card so I called the company. I received a card in September.in December, I called as their were a couple unauthorized purchases on the statement. I told them I wanted to pay off the balance I owed of 100.00 but was not going to pay for unauthorized purchases that were on my card.
It would be reported and they would investigate to see where the charges were coming from.
I waited and when I got a statement in January, not only were the unauthorized charges still there, so were late fees and another charge for the annual membership fee.
I called year after year and talked to all their collection agencies that they have turned it in to and sent them all the information and now a 200 dollar bill is up to over 2000. They tell me now that I should have reported it then. I did but there is no record of it.
They offer a settlement of 200 which is not going to be paid by me because the unauthorized charges and the membership fee were never removed. The last charge I placed on the account was to JCPenny, I only had the card 4months but a year is 12 months.
So, collection attempts might as well talk to the, providian company, you might as well talk to the wall also, they will not help you as the only concern they have is to line their pockets not do the right thing.
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