Complaint / Review
Providian Financial
Ripoff - secured account, closed, still showing up years later on credit report with balance due

MANY years ago, I had a small ($200-300) SECURED credit card account with Providian. I had funds on deposit with them, and my credit limit would not and could not exceed that dollar amount. Six years ago I filed bankruptcy. At the time of that filing, when listing that account, I documented that it was a secured account and that the funds they had on deposit would cancel out the balance due. If anything, THEY owed ME any money left over.

Providian STILL shows on my credit report as having a balance due, SIX YEARS LATER. I've contacted them on three separate occasions and never get a response. This ridiculous, INACCURATE debt shows up every time I try to finance anything.