Complaint Review: Providian

I sent a check for $3,319.27 to Providian in full payment of my account. I also contacted their Credit Plus Account and cancelled that along with my account & shredded the charge card.

Providian posted the check paid 12/16/02, my due date was 12/22/02. I called the verify my payment, but I was told that I still had a balance of $21.87. I sent that payment 12/26/02 & wrote on the check paid in full. On 1/2/03, I receive a statement from Providian claim I owe $12.06 from charges 11/25/02 & 11/27/02, both charges I paid in December regarding the $3,319.27. Providian charged a finance charge of $56.35 on a charge of $12.06 which I paid off in December and I have their confirmed statement. Now Providian sent me a new balance of $78.22.

The charges consist of $12.06 for gas in November plus $56.35 finance charge on the $12.06 for a total of $78.22. I have written a letter to the Better Business Bureau in Dallas, Texas & attached my current statement. Further, I have written a letter to Providian & attached a copy of their statement.
Even when you pay them off in full, they still attempt to Rip Off the consumer. Providian was sued in 1999 for this same practice & they need to be sued again.

Bernidine
Chandler, Arizona
U.S.A.