• Report: #221358

Complaint Review: Excel Acquisitions & Providian National Bank

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  • Submitted: Sun, November 19, 2006
  • Updated: Mon, April 14, 2008

  • Reported By:buhl Alabama
Excel Acquisitions & Providian National Bank
PO Box 1965 North Falmouth, Massachusetts U.S.A.

Excel Acquisitions & Providian National Bank being sued by excel for credit card debt that was closed in 1989 excel has changed delinquence date to 2004 this debt is protected by statue of limitation how can they change the date? North Falmouth Massachusetts

*Consumer Suggestion: Providian is Defunct, the company no longer exists. . . . . . .

*Consumer Suggestion: Leonard, COUNTERSUE them IMMEDIATELY!

*Consumer Suggestion: Leonard, COUNTERSUE them IMMEDIATELY!

*Consumer Suggestion: Leonard, COUNTERSUE them IMMEDIATELY!

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I am being sued by Excel for Providian National Bank, for a credit card debt that was closed out in 1989. But according to Equifax credit report the delinquency date was change from 1989 to 2004.

Thank you

Leonard
buhl, Alabama
U.S.A.

This report was posted on Ripoff Report on 11/19/2006 06:40 PM and is a permanent record located here: http://www.ripoffreport.com/r/Excel-Acquisitions-Providian-National-Bank/North-Falmouth-Massachusetts-025561965/Excel-Acquisitions-Providian-National-Bank-being-sued-by-excel-for-credit-card-debt-that-221358. 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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REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Providian is Defunct, the company no longer exists. . . . . . .

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

Providian is owned in its entirety by WAMU, you might want to check into that. I mean how can you owe Providian if the company doesn't legally exist anymore. There was a class action lawsuit in Providian where 300 Million Dollars was awarded to its credit card holders for lets just say unethical business practices. Hope this info helps.
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#2 Consumer Suggestion

Leonard, COUNTERSUE them IMMEDIATELY!

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

Leonard,

This is known as re-aging the debt and is totally illegal. You are entitled to damages, and it is a slam dunk $1000 plus costs.

That debt is far past SOL for collections and they absolutely cannot win unless you fail to respond.

First let them lose the first lawsuit and ask the court for damages and costs, then sue them separately for the FDCPA and FCRA violations.

This way you get more money, and you cost them more money! Make them pay for their illegal activity.

Also file a complaint at ftc.gov online.
Respond to this report!
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#3 Consumer Suggestion

Leonard, COUNTERSUE them IMMEDIATELY!

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

Leonard,

This is known as re-aging the debt and is totally illegal. You are entitled to damages, and it is a slam dunk $1000 plus costs.

That debt is far past SOL for collections and they absolutely cannot win unless you fail to respond.

First let them lose the first lawsuit and ask the court for damages and costs, then sue them separately for the FDCPA and FCRA violations.

This way you get more money, and you cost them more money! Make them pay for their illegal activity.

Also file a complaint at ftc.gov online.
Respond to this report!
What's this?

#4 Consumer Suggestion

Leonard, COUNTERSUE them IMMEDIATELY!

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

Leonard,

This is known as re-aging the debt and is totally illegal. You are entitled to damages, and it is a slam dunk $1000 plus costs.

That debt is far past SOL for collections and they absolutely cannot win unless you fail to respond.

First let them lose the first lawsuit and ask the court for damages and costs, then sue them separately for the FDCPA and FCRA violations.

This way you get more money, and you cost them more money! Make them pay for their illegal activity.

Also file a complaint at ftc.gov online.
Respond to this report!
What's this?
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