• Report: #157495

Complaint Review: Providian National Bank

  • Submitted: Sun, September 18, 2005
  • Updated: Sat, October 01, 2005

  • Reported By:Denver Colorado
Providian National Bank
PO Box 9177 Pleasanton, California U.S.A.

Providian National Bank ripoff, fraud, idiots, don't know what they're doing, morons Pleasanton California

*Consumer Suggestion: Providian Morons

*Consumer Suggestion: Be glad they closed your account.

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I used to have a Providian account and everytime I mailed a payment well in advance of my due date, my payments were always posted late. I incurred late fees and over the account balance charges. After calling and writing Providian (certified receipt), the problem was never solved. Providian never responded to my certified letters. I sent my cut up card back to Providian and included a check of what I knew what I owed, not what Providian wanted me to pay them. I did receive a letter that they was closing my account and asked me to return the card. They got the card. Every now and then I would receive a bill asking me to pay some balance I did not owe and then later on I would receive a letter and a statement saying that it was sent in error.

Seven months ago, I received a letter asking me why I have not been using my credit card. DUH!!! I called them and spoke to a foreigner that did not understand one word of English. I asked for a supervisor and he said, no.

I hung up and called back and I got a slightly more intelligent CSR. I explained the situation to them and I still had difficulty explaining to the idiot, that I did not have a card and I hadn't had a card for several yearsand that it was returned. I was asked, why don't you use your card. I said "Idiot, what part of the English language don't you understand?" I told you that I don't have a card and that I returned the card back to you five years ago.

Still couldn't get thru to that moron. I wrote Providian a letter asking them to leave me alone and to hire people who were capable of getting a GED.

Last week, I received a letter from John C. Green, Vice President, telling me that they were closing my account because I have not used my card in seven consecutive months.

DUH! I hae filed a complaint against Providian with the Office of the Comptroller of the Currency as they're required by law.

What a bunch of morons.

Joyce
Denver, Colorado
U.S.A.

This report was posted on Ripoff Report on 09/18/2005 10:23 AM and is a permanent record located here: http://www.ripoffreport.com/r/Providian-National-Bank/Pleasanton-California-94566-9177/Providian-National-Bank-ripoff-fraud-idiots-dont-know-what-theyre-doing-morons-Pleas-157495. 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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#1 Consumer Suggestion

Providian Morons

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

I have filed a complaint with the CA attorney general's office and asked for a systemic investigation.

This should get something going. I don't want their card.
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#2 Consumer Suggestion

Be glad they closed your account.

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

Joyce, be glad they closed your account. At least now you are rid of them. Just be sure to check your credit report in a few months to be sure they don't report your card as being 'closed by credit grantor'. That takes points of your FICO.
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