| # | First Name | Last Name | State | Country | Comments |
|---|
| 301 | Janet | LaRose | TX | US | I have been offered no restitution from Providian and this company and others like them should have to pay each and every cent back to the consumers at an interest rate equal to what they have charged. |
| 302 | phillip | briner | CA | US | they really burned me.went with a ccc and owed $3800 paid in over 5 years and still owe $4600 |
| 303 | i cant tell | u | | | I currently work for Providian till September 3rd... I am one of the very happy employees to be done with them,getting laid off because they outsourced to Bangalore, India I agree they lie and not only to the customers but to the employees too. I'd rather not say my name for fear of Providian's many evil lawyers might track me down and sue me haha. I'm waiting for my severence package so I can get the heck outta there. |
| 304 | Martha | Koch | NV | US | I am now being audited by the IRS because they say that they received a 1099 form from Providian that states that approximately $950.00 of a debt that I owed them was charged off and now I have to consider that it is Income to me. I had settled the debt through a collection agency that was sold the account and at the time a considerable amount of the charges was a result of Over limit and late fees and then finance charges added each month to the balance (which included their late fees and over limit fees). I had asked them to close my account approximately 2 years prior to them sending it to collection; however they refused stating that my account would be closed when the balance was "0". I refused to pay on it any longer and they continued to bill me and add all their charges on to it and also their annual renewal fees. Finally they sent it to a collection company and I settled for a lesser amount and was told my balance would reflect as "0". Then this year I received notice from IRS that I was going to have to pay taxes on this balance of $950.00. I never received any goods nor money in this amount. The amount in question is more than likely the over limit charges and the late fees and finance charges that accummulated over the 2 years of me not paying. I do not think I should have to pay income tax on late fees and over limit fees and finance charges? Has anyone had this happen to them in regards to Providian? |
| 305 | marian | bundgus | AZ | US | Why are credit card companies able to issue a minimum payment that encourages an assesed over the limit fee ? A statement that tells you your minimum payment due is $60.00. When You're over your credit limit. I guess they can make the minimum payment what ever they want... I found this out after making purchases that I thought I had credit for but did not. I also do not understand how a credit card can let you go over the limit... I thought my card would be rejected if I unknowingly made a purchase that put me over the limit. Just a few years ago I remember not being able to go over the limit without prior authorization. I felt I was protected in a way. Unfortunately... they got me. I made the minimum due and a few months later I realized I was paying an over the limit fee every month !!! plus finance... approximately a total of $80.00... which left me with a negative amortization making the minimum of $60.00... I felt like I had been had... all because I failed to go over my statements... |
| 306 | Laurie-lee | Roberts | FL | | |
| 307 | Veronica | Huerta | CA | US | I to am a victim of Providian, a lot of my time is spent calling and speaking with representative of Providian and the BBB. Yet I don't seem to get any where, all I want now is to pay off my credit card and get on with the rest of my life. I can't believe that the government just sits back and let companies like these get away with ruining peoples lives like this. |
| 308 | Marylydia | Mohammed | MA | US | It is frustrating getting a live person at Mycard, which used to be Providian. I cannot access my acctount on line to make a payment, a message comes up saying that my checking and routing information is incorrect, and that I should check my bank. I have been paying Mycard for the longest time from this account. I am one month past due with a late charge assessed, and I still cannot get someone to answer my question. |
| 309 | William | Keating | | | Maikng your payment by check? In an effort to reduce costs and improve efficiency, receipt of your check for payment
authorizes Providian to initiate, at no cost to you, an Automated Clearinghouse (ACH) debit to your checking account
for the same amount,as an alternabve to the paper-based check clearing system.
Now they help themselves to my checking account
|
| 310 | Walter | Pietruk | FL | US | Unbelievably Providian raised my rate from 7.99% to 23.2% this past january after being with them since 1999. I called and they said my "promotion" period had ended. After asking when it started they could only go back to January 2003!! |
| 311 | David | Goodwin | OR | US | |
| 312 | Leonard | Wilson-Banks | AR | US | Providian is taking me to court for interest i refused to pay . Could ruin my work relationships.I am a state Chaplain.I need advice and I need it in a hurry. Thanh you |
| 313 | G | Mathews | OH | US | Providian preys on people who can afford small credit card payment but without asking or having refusal rights they rais your CC limit until it is impossible to pay off. You have no clue that the limit has been set that high then they change the interest and -YOU ARE DROWNING with no way out. I had a $2500. limit but without knowing they increased my limit to $7500. You don't know yourlimit is up so I gave the card to my kids for school clothes and books think I could pay it off next thing I know my payments are over $300 montly then I am having to pay the CC with my income and use the card to buy gas and food because I have used all my cash to pay the bill. |
| 314 | Jeff | Jenks | CA | | Providian tends to be the leader of these unfair and unlawful acts. |
| 315 | James | Pattillo | AR | US | providian sold my account to mycard account what can i do |
| 316 | Barbara | Basnight | NC | US | I called my card account, a providian card, to get the balance and close the account. I had no payment due, and had transferred the balance to a low interest card a week earlier. But when I'd go online and look, the balance still showed. The following day, after calling and making sure the account had in fact been closed, and no payments were due, and the balance had been transferred, I saw a balance of 90.06. When I called back, I was informed because the transfer did not post until midnight the night before, they had in fact issued another billing statement, and charged finance charges! I told asked them how they could do that when it was not even time for my billing statement IF the account had still been open, and was informed they could do early statements when they wished. I was dumbfounded. Not only did they hold that transferred payment for posting at their convenience, they intentionally withheld information from me on a finance charge they intended to throw at me. How can they do this and get away with this? |
| 317 | John | Hannon | MA | US | |
| 318 | Darlene | Geller | NJ | US | |
| 319 | A | C | TX | US | "I understand raising rates, BUT I had already cancelled my card and was paying it off at an
interest rate of 19.9% and they raised the rate to 29.9%. Greed is the only word they
understand. I would be more than willing to pay off my debt at the 19.9%. I will not pay off
the 29.9% Greed monsters." |
| 320 | Hera | Malin | NY | US | |
| 321 | Harriet | Bowlen | CA | US | I have two closed accounts with Providian and one closed account with household which I just recently paid off (or so I thought)! Now I come to find theese companies are charging finance charges. Household "claims" that as long as I pay the $6.01 by the due date the account is closed.
Providian is charging me finance charges on finance charges even though I paid the total amount due on my statement BEFORE the due date. |
| 322 | Adam | Maam | FL | US | I received a flyer from Providian Bank for 0% Balance Transfer rate and when I transferred the balance, Providian charged me interest, I sent them the flier but they have not credited my account so I closed it. |
| 323 | Deane | Jordan | FL | | Providian does not listen. |
| 324 | Onda | Williams | IN | US | providian charged me cash fees when I have NEVER received cash back or used an ATM with their card. |
| 325 | thomas | degroat | NJ | US | e-mail me please with an out come |
| 326 | Cherie | Guidry | MS | US | my husband & I have had to deal with him making less money than usual...DM Mastercard has put us on a wonderful hardship program while Providian hikes up the interest every month & adds late fees. There's no possible way we can make these payments & they refuse to settle or put us on a program that will help us to pay it off. Not to mention everyone I've dealt with has been completely rude. |
| 327 | Keith | Guidry | MS | | |
| 328 | Lee | Richardson | CA | US | Providian charged me $79 to run a credit check that I did not authorize. It was supposedly to see if they wanted to raise my credit limit. I did not want my credit limit raised, and they did not have my permission to do either one. They also charge the consumer $45-$49 for the privilege of raising their credit limit. Dirty dealing all the way round. |
| 329 | Donald | Ainsworth | OK | US | After seeing what Providian did to my daughter I hope someone can put them under. |
| 330 | Heather | Tucker | MO | US | I also have had my card switched from Providian to Card Service Center. I pay on time but by my balance and intrest rate never lower!!! I am trying to find another credit card to transfer my balance, but I have not had any luck so far. |
| 331 | Rebecca | Stevenson | OH | US | I have had a credit card with MBNA with a rate of 7.9% for about 3 years. Arbitrarily, that rate was recently raised to a whopping unbelievable 21.99%. When I asked for an explanation I was told that while my payment history was excellent, I was not paying down my balance fast enough. |
| 332 | Sharon | Inzinga | OK | US | |
| 333 | Julie | Monday | TN | US | dirty rotten bunch! |
| 334 | G | Alferez | HI | US | I also had The Aria card which changed to GetSmart and now I really don't know what it is. All these changes were made w/o any notification. Also, I've ALWAYS paid my bill online but now I can't...first my bank of many years was not on their list and now the mycardacct.com site can't be found? Because of this, I've been getting charged late fees. And when I try to make a pymt by phone, they want to charge me $9.95? I don't think so! |
| 335 | John | Warren | NC | | Although I have never been past due with my account at Providian, I have received constant increases in my rates, and annual fees, etc. Now my account has been "closed" by Providian even though I have not mad any charges in years and have only been trying to pay of this account. I have written them and receive the same form letter asking that I contact their customer service number which id just a bunch of recordings and I never have spoken with a human being, had a phone call returned, or any correspondence. I am going to stp paying them, maybe that will get their attention! |
| 336 | James | Wildman | SC | US | Thank You! |
| 337 | Carl | Johnson | NV | US | Providian sold me to the highest bidder(card service center). My interest rate shot to 29%. My finance charges are almost as much as my payment. This is wrong and I feel my hands are tied. |
| 338 | roland | cavey | MD | US | |
| 339 | Nancy | Clifton | CA | US | Providain keeps messing up my card, my balance and thier payment plan. I call and I am put on hold and ten they hang up on me. they also have thier call center in INDIA. What happend to keeping jobs in America. Thanks President Bush. |
| 340 | William | Summerour jr. | GA | US | I sent in $155.00 on a $51.00 payment due in august 2004 and only one cent was deducted from my balance.What kind of snakes are those people?I hate to give snakes a bad name. I had canceled my card several months ago and am trying to pay off the balance,less than $2500.00, But my percentage rate is 29.99 purchases and 29.99 cash.I can't seem to pay either off.My payments just keep going up and I am not using the card anymore!! HELP |
| 341 | ALEXIS | JACKSON | NY | US | I WOULD LIKE TO FILE A COMPLAINT OR A LAWSUIT REGARDING THE UNFAIR PRACTICES OF THIS COMPANY. I HAVE A 250.00 CREDIT LIMIT. IN AUGUST, DUE TO SOME FINANCIAL PROBLEMS, I COULD NOT PAY MY BILL. IN SEPT, A REP TOLD ME THAT IF I PAID 80.00 I WOULD BE CURRENT. THIS BROUGHT MY BILL DOWN TO 248.56. TWO DAYS LATER, THEY TACKED ON A 7.60 SERVICE CHARGE. THIS PUT ME BACK OVER THE LIMIT AND I WAS CHARGED A LATE FEE AND NOW I'M BACK IN THE HOLE. QUITE FRANKLY, I'M TIRED OF THIS AND I WANT TO TAKE ACTION!!!!! |
| 342 | Crystal | Moncure | IL | US | I had a providian visa card that was sold and resold. I tried to make monthly payments, the payments just went towards the interest. Credit card continued to increase in balance. I have probably accumulated up to 2000 if not more just on interest alone. Now they have sold my account to an Law Office, and I am now being harassed by the Law firm and am unable to find the Law office online. Blatt, Hoskin? I am now being informed that I may need to appear in court re: a law suit. I was also informed by the lawfirm that a judgement may be held against me if I do not at least send a payment of $350.00 a month towards the $5,800.00 credit card bill. Re: credit report, the providian card shows up 3x in different company names.. |
| 343 | William | Ball | IN | US | I just wanted to say that my father had a providian premeir visa. Providian ended up placing all of the amount of purchases onto the cash advances and then sold the account to aspire which has jacked his interest rates to above 24%. He had never missed a payment and was never late. This is how providian treats their good paying customers. Wish I knew what to tell him to do about it. He's 63 and has had the card since 2000. Providian is actually run by criminals. What else to you call someone who changes what you've charge to something you didn't? |
| 344 | Karen | Patton | IL | US | I initiated the following story on ABC/WLS in Chicago re: Providian's "Default APR". Somewhat watered down, but got the main issue raised. Link is good for 5 days only:
http://abclocal.go.com/wls/news/specialsegment/101204_ss_creditsurprise.html |
| 345 | Judy | Starbuck | IN | US | Providian snared me by giving me a reasonable rate for over 4 years , I was a good customer and paid my debt on time . Then they just laid the hammer down jumped my interest rate exactally 10 percent in one month . Tried telling me it was because of the Prime Rate increasing , then upon talking to yet another person there they said it was because I had been late with an entirely different bill a couple of times . Now I am screwed with the 27 .49 percent rate untill I can find away to pay off my debt to them . |
| 346 | scott | hamett | TX | US | |
| 347 | Cheryl | Little | TX | US | Providian has refused to discuss why acct was listed over limit yet $500 payment posted less than 30 days previous, and was in good standing. My payment history is good, 1 late payment (by 1 day) in over 1 year. |
| 348 | Michael | Woodhead | | UK | can never get a rep when I call the 0870 no. in uk to pay account by debit card.
the phone number is a standard rate no. so my unlimited call facility is no good, I end up paying more to pay my bill as well as th interest they charge
|
| 349 | Diana | Stefan | NJ | US | I just found out that I've been over my credit limit for ten months. I never knew as the amount was never included in my minimum payment due. They never bothered to reach out to me in any way. |
| 350 | Zenaida | Graham | TX | US | Send me additional information. |
