I had a providian account and it was closed due to the fact that I had been out of a job for awhile and could not keep up with the bill. They put all these fees from out of no where during the month and could not help me with the charges. I got a letter stating that the account was closed.
I had not recieved a letter or phone call regarding the account for months when all of a sudden this Emerge account bill was sent to me as though I still had an open account with all these NEW CHARGES from out of no where. I did not know that providian had done this thing.
I thought that someone had used my social security number to get credit! But needless to say, that was not the case. Upon going online to look up this so called credit card company, I found out that it is a scam. I am very frustrated about this because now it effects my credit even worse. I look like I have two delinquent credit card accounts instead of one, not to mention the credit issues I am already trying to straighten out.
I recieved no letter letting me know anything at all.in other words now I look like I have all these dilinquent accounts that I do not have. People need to know not to deal with providian as they look like a legitimate company.
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