I called my bank to check my balance and was told it was minus $4000. Upton Cohen & Slamowitz put a lien on amy account for over $4000.00, and I was shocked because I knew I did not owe anyone any money that I wasn't already paying, especially not that much, nor had I ever received any prior notices regarding anything.
My bank gave me the telephone number, and when I called to find out what this was about, I was told it was for a Providian Credit Card. I told them I never had a Providian credit card, and so began the investigation.
The lien remained on my account during the investigation, claiming they could not remove it. I notarized and mailed them statements that I did not use this card, nor had I ever received it. I sent all of my personal information, copy of non-driver's i.D., social security card, etc.
All I received from them was a copy of a credit card application with my signature. I told them it was possible that I filled it out, but I had never received a card. They said there was nothing further they could do, and the only way to remove the lien was to begin making payments. Well, I did.
After the first two payments or so, I was advised by colleagues to investigate further, and that I had the right to obtain copies of purchases and receipts.
I called Upton back, and explained that I wanted to stop making payments and wanted this situation to be further investigated. They said they did not have to provide me with any information, and I had to pay them, OR ELSE. They further threatened to put yet another lien on my bank account (which I had to close because of them), and this all came from someone claiming to be a supervisor.
I have written to Providian, requesting assistance and they said it was out of their hands. I further sent a written letter to Upton, claiming my right to copies of proof of purchases. They continued to harrass and threaten me to make payment, "or else".
I have not yet heard from them (it's been a month), and I'm sure they are in the process of attempting to re-freeze any assets they could of mine. I don't know what else to do.
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