Complain about a product or service

Providian

Providian • Advance Fees • Credit Repair • Destinations Unlimited • Disputed Charges • Interest Rates • Late Posting • Late Refunds • Late Statements • Promotional Rates • Credit Protection • Unauthorized Balance Transfers --- News • WaMu Buys Providian • $300 Million Providian Settlement • Providian Chairman Out, Stock Tanks • Providian Settles Class-Action Suits

Providian made its money the good old-fashioned way -- on the backs of the working poor. It built its business on what is called the "subpar" segment of the market, customers whose credit records have a few blemishes.

Only problem is, the losses outran the sky-high fees and soaring interest rates and the house of cards came tumbling down in October 2001 and by mid-2005, Providian had been acquired by the nation's largest savings and loan, Washington Mutual.

But from what customers tell us, things haven't changed much at Providian, as the complaints in this section demonstrate. Here are a few of the more recent beefs ...

Joe of Boynton Beach FL (06/19/08)
This is great! About 4 years ago, I got a Providian Mastercard. After realizing that they were screwing me I paid it off and closed it. Then, they sent me a $75.00 deactivation fee, I paid that. So I should be done right? Wrong, now 4 years later I'm getting mail and phone calls from debt collectors stating that I still owe the full balance of my card from 4 years ago! What is going on? Now, I have to dig up my paid receipts from 4 years ago? Who saves all that crap for so long?

I had to work for everything I own. My family came to this country with nothing. I've work my way through college, became a homeowner, and trying to live the dream. Now my credit is taking a hit because of this crap. Credit is the most important thing in life. Without haveing good credit, your life will be hard and making it will be hard. These days, employers look at you credit score before hiring you. Having said that, does everyone know that one late on your monthly payments will drop your score 20-40 points! But being on time on everything for one year increases your points by almost nothing!

Teresa of Morrow GA (06/18/08)
I was told by this person that I am being sued for $2556.45 on a visa card that i got in 2001. The card was canceled around 2002/2003. I made two payments of $600 EA and they are still saying I owe them. This is interest only and I don't beleive I should have to pay these out rageous charges.

I am feeling threatened by them that they will garnish my wages and has coerced me into making automatic payments from my checking account which I can not afford at this time which will cause me to get behind on my car payment and my childs medical insurance.

Jacqueline of Alexandria LA (06/09/08)
In January 2001 I requested a card from Providian. I recevied 2 cards due to have good credit standing. As I charged on the card I paid the monthly amounts, I never once stopped to look at the amount of charges that was accruing on the card. One day as I went to pay for the next month, I said let me actually look at this bill instead of just paying and not knowing what I was paying because the bill seemed larger than usual. As I looked at the bill I found late fee, insurance fees, over limit fees, charges for things I did not authorize.

So I phoned the company and made a compliant and I was told by the Representative that I agreed to all of the fees when I signed the application, as I explained that I did a over the phone application & that I did not sign for any of those fees, I would like to have them removed. I was ignored and hung up on. I phoned back and was treated as rudely then as the first time. I continued to make some of the monthly payments until the charges were crazily outrageous and I phoned again. I made a complete payment in July 2002 on both accounts and requested them to be closed. The accounts were closed and I found out later on within 2002 that the accounts had been turned into the Credit Bureaus as unpaid-bad debt.

I was furious and contacted Providian, in which I was told that the account was sold and that they no longer had to discuss it with me and that I needed to contact the lender who purchased the account. I did just that and was again rudely mistreated and called a person that don't like to take responsibility for their accounts. I was told that until I was ready to pay the account in full, they would mark the account as refuse to pay and hung up on.

It is humiliating to have someone to ignore, mistreat, call you names, and hang up on you. This company lied to me. I only regret that I agreed to take this card and paid for it in advance for the application fee, the $100's of dollars for having the card prior to making any charges, and all of the other fees that accrued on this Providian card. I made complete payment of all the charges that I consumed while having these cards with my personal check stating on the back of the check upon cashing this check Providian agree to full payment on this account with the erasing of bad debt/unpaid account off of my credit report.

I sent this information to the 3 credit bureaus on many different occasion, yet still Providian shows on all 3 credit reports of mine and have ruined my credit scores. It is getting close to the time frame of the reporting to be removed from my credit record, yet it still does not show that I paid them in full and on time which I would like corrected.

The economic damage is that my credit score is ruined based on the untruth of Providian. My physical damage is that being hurt emotional and mentally by abuse that I received from Providian supposely customer service reps and the lenders that purchased all of Providians accounts. There were times that when my Son answered the phone he was mistreated and told that your Mommy told you to answer the phone so that she doesn't have to explain why she don't pay her bills.

Teresa of Bauxite AR (06/03/08)
6/2/08 Contacted by Debt Mgmt Inc for a Providian credit card I never had. Lots of threats of sending to IRS and freezing our checking account. According to Arkansas law the statute of limitations is 3 years from the last payment. So even if I did have the card, it is too late. They say payments stopped Oct 2001, which apparently was when they had alot of trouble.

According to info I've received they are trying to scare me into paying for a debt that is not mine to beat a seven year deadline to file with the IRS. They acknowledged they cannot sue me in court due to statute of limitations.

Stephanie of Villa Rica GA (05/15/08)
A credit card was was issued to someone else and now I am being held responsible for this credit card in the amount of over 6000.00. They are trying to garnish my wages. I never went to court the judge made a ruling in their favor without my knowledge. I contact the Bank the collection agencey and never received a response until the attorney contact me. I am going to see if I can find attorney to help me with this case.

I greed to pay money our for something I did not use plus I am having to use other money to obtain an attorney which I dont have money for that.

Conrado of Spring Valley CA (05/14/08)
I consolidated all my credit cards of which providian was one of them. The credit consolidation company was making the payments since 2006,then 2 mos ago Palisades took over providian and asked a full payment which was $1700more than the original debt. Where did all thosepayments go?

I had to borrow money from a friend of course w/ intrest and I could not sleep and concentrate on my job.

Micaiah of Willingboro NJ (05/09/08)
I was presented with a garnishment of wages for a debt that belonged to my son.We have the same name but I don't have a middle initial.I told all those involved that this wasn't my debt and after not hearing from them,assumed that the matter was over.

I was told by my personnel department that a garnishment of wages was placed and that monies would be taken from my check.The matter was satisfied when the debt was paid in full.This is on my credit report,along with other dedts of my son.My wife and I have lived at the same address for the past 23 years,but on the credit report,it shows several addressws,all belonging to our son.We realize that our son has not been responsible in money matters,but it seems that hia creditors are coming after me,though I have not made these debts.Thank you,in advance,for any help you can give me.

Karen of Londonderrry NH (05/07/08)
Providian (as in the law suit)and Household Bank have damaged my credit. I will gladly join any law suit and or any class action law suit against them.

My credit has been damaged by Providian and Household Bank. I can not get a loan or a credit card.

Johanna of Gouldaboro PA (04/25/08)
I asked Providan to close out my account.. I was angry about fees on my card and postings not being posted till a late date and therefore fees were added..... I refused to pay all the fees.... I settled for a close out figure of $700.dollars.... I made a agreement to pay this amount in 5 payments.... four payments of $150.00 and the last at$100.00..... I was told that all fees and calls would stop as long as I held up to my part of the agreement.. I made my payments on time but still after the third payment did not receive anything in the mail verifying this agreement.... I countuned to receive calls and was still being charged over limit fees and late fees.... I spoke to countless persons at Providian,,, and when I would explane that this was now a charge off and all the fees were to stop a promised... No one at Proividian knew of this charge off and I was getting angry that still I had nothing in writing..... I made all payments except the last one for $100.00....

My billing statement wasent going down and NO One at Providian seamed to see anything on there computer that showed a charge off agreement..... I was angry ... and spoke to the managers and was told not to worry the paperwork would be sent to me.... I told them I'm not making another payment until I receive something in writing as per our agreement..... And alo I wanted the over limit fees and late fees waved from the past four months as our original agreement promised. I never received anything in writing and therefore stopped the last payment of $100.00 payment... Time went by then I received a phone call from a different credit card company telling me i owed the a absorbent amount..... I didnt have a credit card with them... after few minute i was informed that they bought Providian ....

I then went through all that had taken place with providan and the breach of there agreement with me,, And I refused to pay the amount or any other.. That was over two years ago and today I was hand delivered ( by two police men) at my home papers of a civil- action law suit... The amount that there asking the court to grant them is now..$3,097 and there looking to put a judgment on my home or siege my bank account.. I have to respond in less then 30 days...and I dont know what to do .... They keep adding charge all this time and i dont know where to turn...

Police at my door! Constant phone calls to work this all out... threating phone calls that were not to happen.....

Kerry of Rainbow TX (03/23/08)
I read the many complaints about the Providian website change to WAMU and wanted comment that they have been notifying customers of this change for several months. Have you not noticed that when you login the site redirects you to WAMU.com? Do you not read your online messages? Providian has been one of the BEST card companies that I have dealt with. They raised my interest after a late payment once. I called them and complained and they brought it down below what it was before. That's as fair as I have been treated by any bank.

Phillip of Atlanta GA (03/19/08)
You can check your Providian balances and pay online at www.wamucards.com. I'm not sure why the old Providian site is not up anymore -- perhaps its a scam. I don't know, but WAMU still has Providian. I just went and checked it out and had no problem. Good Luck.

Nicholas of Palmer AK (03/18/08)
I had a co-worker who complained about how bad of a card it was. He showed me his interest rate, which was 31.49% apr. He had his limit reduced to exactly what he owed with no notice. I assumed it was because of his terrible credit, and he didn't want to admit it. My experience with this card has always been good; however, I had a problem with the website, www.providian.com. It was down, and it brought something else unrelated up; and I could not see if my previously scheduled payment was going to go through. I called the number listed on the down website, and it was disconnected. I was pretty disappointed with that. I then talked to the Washington Mutual people, and they were table to give me another website. For anyone else having this problem it is: www.wamucards.com.

The Washington Mutual people were pretty helpful, but as soon as my payment goes through you can be guaranteed I am going to cancel this card. I need to access my account everyday, and if something changes, I don't want to spend 2 hours on the phone to do so. It was my first card I ever got, and now I have Bank of America and Amex on my side, so maybe I will just cancel it. I'll take off my training wheels and deal with much more professional companies. (I just liked the free credit score feature.)

Ben of Astoria NY (03/17/08)
It seems curious to me that www.providian.com, which has been the Providian credit card account portal for as long as I can remember, is suddenly an under construction site for First Select. A little Googling yields the correct site, but a part of me does wonder whether Providian is trying to make it a bit more difficult for people to pay their bills on time through cyber evasion.

Given my previous customer service experiences with Providian, I don't feel the least bit like I'm wearing a tin-foil hat imagining this to be true. Luckily, I've completely paid off my Providian card, and this is a reminder of why I won't be using it ever again. The are truly an awful, awful predatory company.

Pamela of Washington PA (03/16/08)
When is the last time anyone checked on Providian? In case no one has noticed--their Web site no longer exists! In it's place is something called First Select: A Providian Financial Company. You can no longer get to your account information, pay a bill, or anything. Instead you are supposed to call someone named Margaret Mason, Marketing Account Manager in Louisville, KY, 502-357-3370 or at Margaret mason@providia.com. I don't know about the rest of you, but just how do I pay my bill, or get account information? What's going on?

I got no notice they were changing their name, or that the web site was down. So where do I send my payment which I do on line? And what about statements which most of us opted for electronic? It's time the government stepped into Providian and did a full investigation. As a consumer with an account, I believe I have a legal right to access my account!

If I cannot check my account, how do I know if payments arrived, if anyone used my card, what the current charges are, etc.? This could result in a ton of late payment charges for many folks, as it seems as if Providian has changed hands, and addresses.

Linda of Portsmouth VA (02/22/08)
I have been a Providian credit card holder for 10 years. I have a $16,500 credit limit and had a 11.9% interest rate. They have never had any problems with me....I always paid my bills on time and always more than minimum. I have frequently paid my account off all the way to zero, and sometimes I have run it up to thousands of dollars. It was at $12,000 this month (mostly due to some medical bills), and I realized that my finance charge was ridiculously high. I called to find out what had happened to my rate, and they told me that they had put it up to 21.9% because I made a late payment (5 days apparently) in October '07. They refused to lower my interest rate any lower than 18.99%, which is outrageous and entirely undeserved.

I am taking out a home equity loan to pay off this card. However, as my husband is currently in his 3rd year of dental school, the house equity was what we were planning on using when his GI Bill money runs out at the end of this year. I am sure we can get by, but many people would be totally devastated in this situation. My minimum payment doubled to almost $400! There should be a law restricting the number of interest points that a card company can increase one's rate by. This is an outrage, and I am logging complaints with every agency I can think of.

Rob of Biddeford ME (02/21/08)
I have been a customer with Providian for 10 years. I originally had a $500.00 credit limit as I was rebuilding credit. I sadly had to pay the annual $100.00 fee and, of course, the rates that go with it. However, I have been late ONE time, have NEVER paid the minimum due and always pay on line and on time. Today, February 22, 2008, I emailed them asking for a reduction in interest rate. Mind you, I have a credit score of 750 and NO blemishes on my credit. This means no late payments or even delinquencies. Anyhow, I get an email back that reads it is not available on my account! Of course not, why would they want to lower their fleecing of America?

They are always trying to con you when you call in for a balance by trying to tell you how you can claim your free $25 gas card. The Credit Protections they offer is the worst scam going! You have to hand it to them--cheating people whenever they can, providing less than acceptable customer service and making sure they keep you at the highest possible interest rate. I paid it off today--YES $14,010.00! I will never use them again, and I will be happy to go to a local bank or Credit Union. I hope they get down graded AGAIN like they did in 2001. I hope they get bought my Bank of America, and the old wood is tossed out. I DIVORCE YOU, PROVIDIAN/WAMU or whatever you are!

Jan of Silver Spring MD (01/21/08)
They have no work out plan available and no knowledge of Office of the Controller of Currency Account Management and Loss Allowance Guidance document. I must be delinquent before any discussion of account adjustment is possible, despite Credit Counseling recommendation to file bankruptcy and dispute my effort to avoid filing and get account paid in full.

Is there a legal remedy for banks unwilling to follow Controller of the Currency guidance?

Byron of Arlington TX (01/20/08)
In, 1996, Providian Bancorp offered me a credit card with a credit limit of $1000.00 initial credit. Shortly after I was offered a credit card protection plan by this company, and suddenly I lost my job and found myself slipping into serious debt. Well, I decided that I would inform Providian about my situation and told them that I was no longer working, and I needed to have my protection plan kick in. They assured me that everything would be okay and not to worry. Well, today is Jan 20, 2008. My account was sold to a collection agency and has been on my credit ever since. I have disputed this with all three credit agencies and even paid off the debt, finally this year. The debt, however, was $1,900.00. I really shouldn't have had to pay this debt, and it should have been off of my credit report. It's been 11 years since....

This act has deprived me of living the American Dream and has caused depression. I cannot believe how I was treated then and still am by these people.

April of Hanover Park IL (01/05/08)
Like so many others, I had credit with a few dings due to my health condition, and am on social security disability. I got this card for emergency use and it had a $250.00 limit. As it tured out, I had a few financial problems come up, and used it for medication(s). I was making payments on time until they got my check late, or that is what they said. 2 weeks to get from Ill. to the east coast? That is when my interest rate soared to the moon. Now it put me in their over the limit bracket, and then came more charges. I tried to work this out by having the card frozen. Would not do it as it would stop charges. I was paying over a $100 a month to pay it off. That didn't work. Towards the end, I was using 75% of my monthly check to pay off balances that were not going down. $500.00 turned into almost $9,000.00 That's right.....NINE GRAND! Then they started harassing me by calling at 8am until 9 at night. One day I logged over 17 calls. After requesting contact by mail only, they sold my account to the lowest of lowest debt buyers.

How about major depression having being hospitalized to start with, and not including a heart attack. I am now filing Chapter 7.

Rebecca of Summerville SC (01/04/08)
I have been sent a collections letter via NCO Financial pertaining to an account through Chase/Assignee of Providian attempting to collect $3,175.64 in purchase balance and $4,094.15 in interest on an account that they say I stopped making payments on in 1991.They have never contacted me before now, nor have I EVER had a Chase Credit Card. I filed bankruptcy and was absolved of my debt in 11/92. Every attempt that I have made with NCO Financial to obtain any information on how to contact or speak with anyone at Providian has been met with a brick wall, they will not even give me a phone number or address to speak with anyone there. Please I need some advice.

Jeff of Woodhaven MI (12/31/07)
I had a Providian Visa with a credit line of $1500.00 at 0% for transfers and 19.99% for purchases. I was pretty close to the limit about 3 months ago; and without notice, Providian jacked my rate to 31.99%. Since I was close to the credit limit, I know for a fact that Providian did this on purpose! When interest and fees were calculated, this threw my amount over the credit limit which gave Providian a $39 late fee. This happened for 3 months because I could only pay the minimum due, then I finally had to pay $250 to get back in the black. Since I was already ticked, I applied for a credit union Visa and was approved. My credit union sent out a check last Monday, one to Providian, the other to Chase. Chase cashed my check quickly, Providian hasn't. I emailed Providian and told them to cancel my account. I also told them I was contacting my U.S. Senator, Carl Levin, D- Michigan, who is overseeing the hearings on the Abuse of the credit card industry. I actually did call Levin, and their staff member told me to fax over a letter with the issue I had with Providian to their sub-committee.

I got an email back from Providian stating that my account was NOW in the care of a Customer Relations Representative, and they wanted to personally talk to me about my account! I emailed Providian back and informed them that I DID fax a letter to Carl Levin. I got an email back the SAME day with 3 over-the-limit refunds to my account! (LOL!) I'm carefully watching them to see if they cash that credit union check in time. I think they're trying to hold out until Jan. 11th to deposit that check. My payment is due the 10th, but I think they're trying to get more interest fees or late fees added back on. This bank, part of Washington Mutual, is shady. Don't ever get a Providian or Washington Mutual credit card.

Jimmy of Chicago IL (12/30/07)
A year ago, I was made aware I was being sent to collections by Providian Bank for a credit card balance I owed. I'VE NEVER HAD A CREDIT CARD WITH PROVIDIAN! Long story short, I am now being served papers at work demanding garnishment of wages. This after a judgment was made against me without my knowledge by the courts here in Chicago! What is this? I have never had a Providian Account. How can this happen?

I'm now afraid of dealing with this issue. What do I do? I'm at a loss. They are demanding $1400 for the garnishment, and originally they wanted less than $1000. I did nothing wrong other than assuming that a year ago it was a mistake that would go away once they realized it. Now I'm being called by some attorney 2-3 times a day and taken to court and expected to pay filing fees for a credit obligation I never had!

Marlene of Roscoe NY (12/09/07)
I obtained a Providian Card with a $500.00 limit in May of 2000. I have been paying my minimum balance regularly which included a fee for insurance on the card should I become unable to pay off balance due to disability or unemployment. Unfortunately, I became unemployed for a whole year. I notified Providian and requested my account to be closed. The customer service representative instructed me to write a letter to close the account, which I did. I also requested that the late fees, over the limit fees, annual fees, and interest be stopped. Providian continued to harass me and told me that they never received the letter. Eventually, the minimum amount due was more than my paycheck. So, I gave up. A few months later, another collection company notified me that Providian charged off/sold my account. Again, I tried to work with them, but they wanted the full payment. NOTE: Providian sold my account not ONCE, but THREE times.

The current owner is now The Law Offices Cohen & Slamowitz, LLP, who have issued a Judgment against me and now is attempting to garnish my wages for the total sum of $1, 699.92. This is outrageous!

Ryan of Turlock CA (12/02/07)
I have 2 credit cards with Providian who was bought out by Washington Mutual and elected for statement to be delivered online to save postage and paper cost for them. Both cards have approx balance of $7,000 and I noticed they didn't give the interest rate I am charged on the online statement. I called them to inquire and I was told one has an interest rate of 17.99% for purchases and 23.99% for cash advances. Then I was told the other has an interest rate of 30.95% for purchases and 30.95% for cash advances. I couldn't believe what I just heard and asked when did that rate change to that high amount? She said she didn't know. I knew nothing about this and they are charging that on the entire balance. I want to know if this is legal and if not is it a potential class action case?

I have suffered loss of limited finances.

Anne of Hollywood FL (11/28/07)
We had Providian credit cards and also had the cards sold to another company more than 3 times. Each time the rules and rates changed. We basically gave up after trying to keep up with them. We have received letters of late from attorneys requested payment on accounts which are at least 6-7 years old. Those accounts had maybe a maximum balance of $1000.00 each. But now they are looking for upwards of $5000.00 to $8,000.00 on these accounts because of all of the fees and interest tacked on by these various companies.

Darian of Graham NC (08/22/07)

I obtained a Providian Card with a 500.00 limit in May of 2000. I’ve never used the card once, a few years ago, had it canceled, and disputed unknown charges on my credit report from Providian. Now, in 2007 I somehow still have a High balance of $989.00 on a credit limit of 500.00 on a card i never used. I just called Providian and a rep tells me that the account was disputed and that it has not been updated yet. It was years ago that i had it cancelled and disputed. How can it not be updated yet?

Nekussa of Big Spring TX (07/24/07)
I had a Providian account, with a credit limit of $1000 and a good pay record until 2001. At that time, I separated from my husband and began to have financial difficulties. I notified Providian and requested my account to be closed. The customer service representative instructed me to write a letter to close the account, which I did. I also requested that the late fees, over the limit fees, annual fees, and interest be stopped.

Providian continued to harrass me and told me that they never received the letter. Eventually, the minimum amount due was more than my paycheck. So, I gave up. A few months later, I was notified by another collection compnay that Providian charged off/sold my account. Again, I tried to work with them, but they wanted the full payment. NOTE: Providian sold my account not ONCE, but THREE times.

The current owner CAVC of Colorado, (on Providians behalf) is suing me for $7000+. This is outrageous!

Greg of Baltimore MD (04/03/07)

I have recently paid off much of my debt, and have paid the remainder down to at or below 50%  In January I actually made two payments, one of which brought my credit balance to just about 50% of the credit limit. I have since made on time payments of above the minimum payments due. I just received my March statement and discovered that my credit limit had been lowered to one-half of what it was which now brings my balance almost to what the credit limit now is. The rate is already very high at 31.49% and then Wamu charged a $ 59.00 annual fee in late February, the timing stinks. I have just spent 45 minutes on the phone (10 of those on hold) having Mr. George tell me that he couldn't tell me why my credit limit was lowered because no one is able to access the letter that was sent to me (that I have yet to receive) for at least 7-10 days.

Victoria of Santa Rosa CA (03/16/07)

I started with poor credit and a $500.00 credit line. My credit line has been increased by Providian/WaMu to $15,000.00 which would seem to indicate that I've been a good customer. I have always paid 2 or 3 times the minimum. My interest rates have climbed from the introductory amount to 30.03%. They won’t tell me why.

Bonny of Howard Beach NY (01/30/07)

I have been paying on an account that I had closed sometime ago. I have always paid more than my minimum payment. During the past year I was late on ONE payment which I immediately paid when I realized in fact I overpaid the amount due. I am now being charged an APR of 34.17%. When I contacted them they refused to lower the rate.

Lisa of Jacksonville FL (11/14/06)
I had a Providian Bank card. I was a perfect payer, I was on time every month. I started with a $500.00 limit and with time and a good pay record my credit limit ran up to $5000.00. I continued to pay my credit card balances and payments. I had a change in employment, all of my overtime was taken away, but I never stopped paying at least the minimum payment required and I never missed a payment. I then bounced back and started paying lump sums until Providian raised my APR to 38%. I stopped paying and now they are threatening to sue me.

They have called me day and night for years and have sent me threatening letters. I sent them a cease and desist letter telling them to stop calling my home and work telephone number. They refused to settle the account with me. They refused to reduce my monthly APR %. When I stopped paying they turned my account over to a collection agency and now a law office. Now this law office is threatening to sue me. They yell at me on the phone and refuse to come to some equitable term for a settlement. As a result I am going to file bankruptcy. It's the last straw.

Karen of Middleburg FL (09/02/06)
I had a Providian Charge Card and was a on time payer. I had received my Visa card with a credit limit of 1,OOO to start. With good ontime payment Providian raised my credit limit up to 4,000. Due to a job loss for my husband I was unable to make a payment. We had gotten behind one month and they shut my credit card down. After two months they wanted two payments plus late fees I was unable to make the full payment. I told they to close the account and I would continue making payments. They did not they kept making late fees on top of late fees and now the account balance is 8,890.95 I feel that providian has ruin my credit for several years due to improperly charged for late fees.

I am unable to get a good credit rating due to the charge off account they have put on my credit bureau. This has been 7 yrs. And now they want 9,000 dollars and I have not heard from them in over 6 yrs.

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