In reading through all the other reports here, I have found similar experiences to mine.
Altho I have not been excessively late, if thier computers don't see a payment by the due date, yep. The calls start the next day. They use scare tactics that inexperienced folks would not know are illegal, and thier verbal jousting co-erses folks into making hard payments. It's only threats.
The 3 weeks to process payments comment was met with my response that Providian was sued and found in violation of trade practices by the US government for "Holding" checks that are rec'd on time and then applying late charges. Folks, they can't do that, and don't let them tell you they do.
They also cannot repo without written notice. They cannot call you at work if you have told them not too. I have hung up on them several times and they will be reported.
I recenetly refied my home, and I tossed in a pay off to them, simply because I wanted to take my business from them. They lost a TON of interest, and a good customer due to thier rudeness and inhospitibility.
I have had the same hard times awhile back that you other folks have had. ALL my creditors worked with me and actually helped rather than torment.
I don't understand why these folks are trying to play like Tony Soprano. It loses them customers, and hopefully, with stuff like this on the net, will prevent them from getting new ones.
BTW, I overpaid them monthly too. They were even rude when I called to find out why my next payment was LOWER than it was supposed to be. I wasn't aware that they slip in more interest by lowering your next payment instead of applying the excess to your principle. They got snippy when I called "Pukey" on that, and insisted it go to my principle.
Anything for an extra penny. Beware. Tony Soprano has looser terms than Triad.
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