- Report: #210652
Complaint Review: PROVIDIAN - PLEASANTON California
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Author Confirmed
Why?
PROVIDIAN
PO BOX 9007 PLEASANTON, 94566-4122 California, U.S.A.
Phone:
800-356-0011
Web:
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PROVIDIAN RIPOFF REPORTING ME LATE ON PAYMENTS FOR AN ACCOUNT THAT WAS SOLD TO A COLLECTOR AND PAYED IN FULL 3 YEARS AGO PLEASANTON California
Providian has reported to the credit burrows that I have paid late for three months this year on a credit card account that has been closed for over three years now. This account was sold to a collections company 08/01 I paid the account in full and have the paper work to prove this.
So no problem right should have no problems getting this fixed just call Providian and show them that they made an error in reporting me because they sold the account two years ago. And the account has bean paid in full any way Right. WRONG Providian tells me to contact the people that it was turned over to, I call the people it was turned over to and they tell me there is no problem the account is paid and they didn't report me. They say I have to talk to Providian. I call Providian again and explain what I was told. At which time I am given phone number to call. So I call the number and it turns out to be a fax number. So I call Providian back and get the third person I have talked to. This time I start out by asking for this person name employee number. This person starts to tell me the same thing that the last two tolled me about contacting the collection agent. I stopped her and explained that I had already done all of that and that Providian was the one that was reporting me so they where the only one that could correct it.
At this point Providian's people became agitated with me and totally uncooperative. I then asked to talk to a supervisor and was told they where out to lunch but they could transfer me to the supervisors voice mail. I said thank you and was cut off again. I have tried seven times to talk to a supervisor and each time I am given a phony number or just cut off altogether.
I have come to the conclusion that they just don't care. I need to refinance this two year arm this month to avoid paying a much larger payment, and all I need is this one thing to be taken off my credit so I can qualify for a decent loan that wont cost me an arm and a leg, And they JUST DON'T GIVE A **^&^%$$
David
Engelwood, Colorado
U.S.A.
So no problem right should have no problems getting this fixed just call Providian and show them that they made an error in reporting me because they sold the account two years ago. And the account has bean paid in full any way Right. WRONG Providian tells me to contact the people that it was turned over to, I call the people it was turned over to and they tell me there is no problem the account is paid and they didn't report me. They say I have to talk to Providian. I call Providian again and explain what I was told. At which time I am given phone number to call. So I call the number and it turns out to be a fax number. So I call Providian back and get the third person I have talked to. This time I start out by asking for this person name employee number. This person starts to tell me the same thing that the last two tolled me about contacting the collection agent. I stopped her and explained that I had already done all of that and that Providian was the one that was reporting me so they where the only one that could correct it.
At this point Providian's people became agitated with me and totally uncooperative. I then asked to talk to a supervisor and was told they where out to lunch but they could transfer me to the supervisors voice mail. I said thank you and was cut off again. I have tried seven times to talk to a supervisor and each time I am given a phony number or just cut off altogether.
I have come to the conclusion that they just don't care. I need to refinance this two year arm this month to avoid paying a much larger payment, and all I need is this one thing to be taken off my credit so I can qualify for a decent loan that wont cost me an arm and a leg, And they JUST DON'T GIVE A **^&^%$$
David
Engelwood, Colorado
U.S.A.
4 Updates & Rebuttals
David
Engelwood,Colorado,
U.S.A.
Yes I have disputed with reporting agents
#2Author of original report
Fri, September 22, 2006
Yes I have disputed with reporting agents and it will come off but I am closeing my refi monday the 25th so by the time everybody gets there aloted time to respond, it has cost me a higher rate and a lot of money in the long run. and the thing that realy gets me is I did nothing wrong other than try to be stand up guy and pay my debits. I dont know how you can judge a persons credit worthyness based on the system we have in place. It is unbelivable. And yes I would be very interested in joining a class action, in a hart beet.Anyone know a good lawyer?
Sean
Portland,Oregon,
U.S.A.
Happened to me to
#3Consumer Suggestion
Fri, September 22, 2006
This also happened to me when I checked my credit report about 6 months ago. I disputed the claims with the credit bureau's and the items were removed. Remember, when you dispute an item with the bureaus, the burden of proof is on the finance company reporting you. So, if Providian can't provide proof, or doesn't respond to the dispute, it's wiped clean.
Sydney
Virginia Beach,Virginia,
U.S.A.
did you dispute it with the credit bureaus?
#4Consumer Suggestion
Fri, September 22, 2006
I wouldn't stress over it. I suggest that you dispute it with all the credit bureaus instead of calling these idiots up. it seems like they are just playing stupid.
Serha
Norridgewock,Maine,
U.S.A.
It happened to me too.
#5Consumer Comment
Fri, September 22, 2006
We are going on five years with providian I have faxed time and time again, however I did find out that thye filed for bankrupty and they sold all of their settlement account over to marriot showing that these people including me never paid anything, I think we should have a class action lawsuit!
