I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I had purchased the illness protection insurance through Providian. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. Now they have 3 different collection agencies attempting to collect over $3000 on the same account!! How can they do this? The debt is over 3 years past the SOL. I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions: 1: A one time payment of 870.70 2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73 3: Take monthly payments from my account that 'I' find affordable until the account is paid in full. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. She began shouting, said, 'Oh, here we go, another f******* deadbeat. We will get you. You will pay, do you hear me!!! You cannot get away from us. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46!!! Do you want to go to jail? Because if you don't pay this, that is where you are going!!! Do you honestly think we can't get you? We know where you f*****g live!!!' I told her I was not going to speak with her or even verify my name. She called me a 'b***h' and I hung up. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. Now, how can three companies try to collect the same time barred debt? Who would get the money. I am not giving them my bank info or anything else. The lady was so threatening, I am afraid.

I receive a notice from a collection agency that I owe Providian National bank $2222.11. I donot even know who Providian National Bank is. The sent to address I have not lived for over 12 years. I am not going to send mone to someone i do not even know. How can I find out who Providian National Bank is.


thanks
Cheryl lindsey

My husband received two letters from a collection company yesterday. Both were from the same Original Creditor (Providian National Bank) with two different account numbers with two different Balances. One for $9, 388.79 and the other for $8, 979.67. We have never received anything letters from this company before or any collection letters regarding these accounts. We do not know who this company is. I (not my husband) had a Providan Credit card with a line of credit of only $500.00. I stopped paying on this card back in December of '2003. We have been cleaning up our credit for the past two years and now we received these collection letters from this company that we have NO IDEA of what this is for. 'This is FRAUD' Can someone please tell me what I need to do to find out who this company (Providian National Bank) is and how my husband all of a sudden owes them for two different accounts that were NEVER OPENED. This has never been on our credit reports before, nor have we ever received any letters from Providian National Bank, nor have we received any collection letters regarding these two accounts, nor has my husband ever had dealings with PROVIDIAN NATIONAL BANK. 'HELP' This is $18, 368.46 dollars that they are claiming we owe them and we DON'T KNOW WHO THIS COMPANY IS.