Complaint Review: Asset Acceptance - Brandon Florida

Providian Bank has been engaging in victimization tactics for years, and are known as one of the major "bad guys" in banking. From my own personal experience, they illegally reaged an account that had run beyond the statute of limitations and sent it to a collection agency as an active account. When I demanded verification from the collection agency of the age of the accounts even the bill collector admitted that they'd been "had." Providian is now reporting this on my credit report as a charged-off account, in spite of the fact that the Fair Credit Reporting Act clearly states that the clock starts ticking with the initial delinquency leading to the charge-off. However, every time I try to have it removed, someone at Providian confirms the informatin in less than 24 hours (in other words, they just volley it back to the credit reporting agency). Now here's what you, I, and the others who were victimized have to do. File a complaint with the Federal Trade Commission at www.ftc.gov. The FTC is flooded with sour graps complaints from people who don't have legitimate beefs, so they look at the number of complaints. Providian is already on their radar because of their history of defrauding consumers, and multiple judgments against them. The more complaints they receive, the harder they'll come down on them. They'll also order the information to be removed from your credit report if it's in violation of the FCRA.

Providian Bank has been engaging in victimization tactics for years, and are known as one of the major "bad guys" in banking. From my own personal experience, they illegally reaged an account that had run beyond the statute of limitations and sent it to a collection agency as an active account. When I demanded verification from the collection agency of the age of the accounts even the bill collector admitted that they'd been "had." Providian is now reporting this on my credit report as a charged-off account, in spite of the fact that the Fair Credit Reporting Act clearly states that the clock starts ticking with the initial delinquency leading to the charge-off. However, every time I try to have it removed, someone at Providian confirms the informatin in less than 24 hours (in other words, they just volley it back to the credit reporting agency). Now here's what you, I, and the others who were victimized have to do. File a complaint with the Federal Trade Commission at www.ftc.gov. The FTC is flooded with sour graps complaints from people who don't have legitimate beefs, so they look at the number of complaints. Providian is already on their radar because of their history of defrauding consumers, and multiple judgments against them. The more complaints they receive, the harder they'll come down on them. They'll also order the information to be removed from your credit report if it's in violation of the FCRA.

Providian Bank has been engaging in victimization tactics for years, and are known as one of the major "bad guys" in banking. From my own personal experience, they illegally reaged an account that had run beyond the statute of limitations and sent it to a collection agency as an active account. When I demanded verification from the collection agency of the age of the accounts even the bill collector admitted that they'd been "had." Providian is now reporting this on my credit report as a charged-off account, in spite of the fact that the Fair Credit Reporting Act clearly states that the clock starts ticking with the initial delinquency leading to the charge-off. However, every time I try to have it removed, someone at Providian confirms the informatin in less than 24 hours (in other words, they just volley it back to the credit reporting agency). Now here's what you, I, and the others who were victimized have to do. File a complaint with the Federal Trade Commission at www.ftc.gov. The FTC is flooded with sour graps complaints from people who don't have legitimate beefs, so they look at the number of complaints. Providian is already on their radar because of their history of defrauding consumers, and multiple judgments against them. The more complaints they receive, the harder they'll come down on them. They'll also order the information to be removed from your credit report if it's in violation of the FCRA.

Providian Bank has been engaging in victimization tactics for years, and are known as one of the major "bad guys" in banking. From my own personal experience, they illegally reaged an account that had run beyond the statute of limitations and sent it to a collection agency as an active account. When I demanded verification from the collection agency of the age of the accounts even the bill collector admitted that they'd been "had." Providian is now reporting this on my credit report as a charged-off account, in spite of the fact that the Fair Credit Reporting Act clearly states that the clock starts ticking with the initial delinquency leading to the charge-off. However, every time I try to have it removed, someone at Providian confirms the informatin in less than 24 hours (in other words, they just volley it back to the credit reporting agency). Now here's what you, I, and the others who were victimized have to do. File a complaint with the Federal Trade Commission at www.ftc.gov. The FTC is flooded with sour graps complaints from people who don't have legitimate beefs, so they look at the number of complaints. Providian is already on their radar because of their history of defrauding consumers, and multiple judgments against them. The more complaints they receive, the harder they'll come down on them. They'll also order the information to be removed from your credit report if it's in violation of the FCRA.