• Report: #74585

Complaint Review: Providian - Emerge

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  • Submitted: Tue, December 09, 2003
  • Updated: Tue, December 09, 2003

  • Reported By:Bayfield Colorado
Providian - Emerge
P.O. Box 105667 Atlanta, Georgia U.S.A.

Providian - Emerge ripoff Atlanta Georgia

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I had a Providian account with a $300 credit line. I made a $400 payment (Providian's fees put me over-the-limit). The very same day I received a letter from Providian stating my account had been closed. It was later sold to Emerge. Since Emerge has taken over this account I have asked to speak to customer service regarding the overlimit fees. (This has been for over 6 months)( I have filed a dispute and have received no reply).

All I have received from Emerge is harrassing phone calls trying to collect but not offering to help. I was put on a pay-away program... WHAT A JOKE. I set up three over-the-phone payments and the charges didn't stop. This $300 credit line which has taken on a life of it's own is now $1,046. I have offered to pay the $300 (I never charged this account over the limit). They will settle it for $700.

I'm sure the interest rate is at it's highest possible. I have stopped paying this account in hopes that they will look at their notes from their phone calls and realize I have been trying to work with them. I DOUBT THEY WILL.

Debbie
Bayfield, Colorado
U.S.A.

This report was posted on Ripoff Report on 12/09/2003 03:59 PM and is a permanent record located here: http://www.ripoffreport.com/r/Providian-Emerge/Atlanta-Georgia-30438-5667/Providian-Emerge-ripoff-Atlanta-Georgia-74585. 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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