Report: #59960

Complaint Review: Emerge Mastercard (aka) Providian Financial

Submitted: Sat, June 07, 2003
Updated: Sun, May 09, 2004

Reported By: — Phx Arizona

Emerge Mastercard (aka) Providian Financial

P.O Box Only Dallas, Texas U.S.A.

Phone: 866-705-3603
Web:
Category: Credit Card Processing (ACH) Companies

Emerge Mastercard (aka) Providian Financial ripoff- Illegal tranfer of account victimized many consumers Dallas Texas

*UPDATE EX-employee responds: change in terms

*Consumer Comment: Providian Account Sold To Emerge

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0Author 2Consumer 0Employee/Owner

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I have been treated the same as the others. My account was transferred to a different company or a different division of the same company. My intrest rate was nearly doubled and I can not afford to pay off my balance. I was not even informed of this transfer so, when I went to pay my bill online they told me that my account was transfered and relayed no further information about it. They told me to contact the customer support and I was unable to get throught to them for several days. They can not do this. I never signed a contract allowing them do so. This has to be an illegal action and must be stopped.

Brian
Phx, Arizona
U.S.A.

This report was posted on Ripoff Report on 06/07/2003 09:57 PM and is a permanent record located here: http://www.ripoffreport.com/r/Emerge-Mastercard-aka-Providian-Financial/Dallas-Texas-75266/Emerge-Mastercard-aka-Providian-Financial-ripoff-Illegal-tranfer-of-account-victimized-59960. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE EX-employee responds

change in terms

AUTHOR: Rosie' - (U.S.A.)

SUBMITTED: Sunday, May 09, 2004

If you read your terms and conditions you woyuld know that a company has the right to sell your account at any time. Unfortunatly most consumers dont read the fine line.

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#2 Consumer Comment

Providian Account Sold To Emerge

AUTHOR: Marlena - (U.S.A.)

SUBMITTED: Tuesday, July 29, 2003

Just as all the others, I had a Providian account for 2 years that was in good standing including credit increases...I then opened a "get smart" mastercard from Providian, which was also in good standing and was then transfered to Emerge for a huge interest increase. I tried contacting their customer care department but there service was horrible and sent a letter closing my account.

They are still charging me almost 30% interest, even though my credit report clearly shows no delinqincies or late payments on either account...

This matter is very frustrating. There should be a way to protect the consumer.

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