• Report: #139837

Complaint Review: Providian National Bank - PayPal

  • Submitted: Fri, April 22, 2005
  • Updated: Fri, April 22, 2005

  • Reported By:Parlin New Jersey
Providian National Bank - PayPal
P.O.Box Tilton, New Hampshire U.S.A.

Providian/PayPalProvidian National Bank/PayPal Interest Rate ripoff Tilton New Hampshire

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I guess I can join the list. I received a Platinum Visa card from Providian with an initial interest rate of 9.9%. I made 2 late payments to Providian in April and July 2004. I did not know they were late until months later because my bank statements showed them to be on time. According to Providian one was 2 days late and the other was 4 days late.

These payments were made electronically through my bank. Now 9 months later I am still paying a rate of 29.49% regardless of the fact that I have been on time with them and all my other creditors. They refuse to guarantee any upgrade (eg: lower interest rate) regardless of the fact that their own guidelines mention how to get an upgrade and I have fulfilled ALL of them. I cannot get any satisfaction from customer service on this. If there are any lawyers out there reading this, I would like to know what, if any, legal recourse I have (BBB, Consumer Affairs, other?).

All other major credit cards adjust your rate within 6 months if payments are on time. Not these guys. This is a royal scam and I will do all I can to pay off my balance and get away from these people.

Parlin, New Jersey

This report was posted on Ripoff Report on 04/22/2005 06:58 AM and is a permanent record located here: http://www.ripoffreport.com/r/Providian-National-Bank-PayPal/Tilton-New-Hampshire-03108/ProvidianPayPalProvidian-National-BankPayPal-Interest-Rate-ripoff-Tilton-New-Hampshire-139837. 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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