• Report: #73134
Complaint Review:

Providian - Getsmart - Emerge Credit Card

  • Submitted: Tue, November 25, 2003
  • Updated: Tue, November 25, 2003

  • Reported By:Lake Hughes California
Providian - Getsmart - Emerge Credit Card
Po Box 660026 Dallas, Texas U.S.A.

Providian - Getsmart - Emerge Credit Card ripoff If they think I'm going to pay this, they are crazy. Dallas Texas

REBUTTAL BOX™ | Respond to this Report! | Consumer Comment

What's this?
Corporate Advocacy Program

Show customers why they should trust your business over your competitors...

What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

Set the record straight:
Arbitration Program

SEO Reputation Management at its best!

Boy am I glad I found this site. Ive had a miserable experience with Providian aka getsmartvisa aka emerge. First I got the card to try and improve my credit, and paid through the nose just to get it, paid my bills and not just the minimum payments, I usually paid at least $50. to $100. a month, for a $250. credit limit.

It didn't help my credit, as they cancelled the account and sold it to the Emerge Co., for no reason. At the same time they dissabled the website so I could not access my account and make payments. God am I stupid! Should have seen it coming!

I got 1 phone call, 3 months later, from Emerge, demanding a phone payment, with an additional charge of $15.00 for the phone payment. Thats when I went ballistic! I told the customer service rep.(what a contradiction that is), to send me a statment and I would mail the payment.

That was 6 or 7 months ago. Yesterday I got a letter from a collection agency wanting payment, $318.84, the original balance was $90.00, and the new twist here is, get ready, its a different Credit Card Company, Compucredit, who I've never heard of, and I'll bet they are owned by Providian, go figure.

Well now my life is different, as I'm disabled and on Social Security. If they think I'm going to pay this, they are crazy.

I am going to dispute this bill and refuse payment, and then Im going to write the FTC, the California Attorney General, and all of the credit reporting companies to dispute this debt.

I still have 2 other cards from different banks and I make more than the monthly minimum payments and yes, sometimes I make a late payment, but they don't harrass me at all, so it's alright, and I always get them caught up. Capital One is the best! And First Nation Bank of Marin comes in second for me.

Once again, I wish I had known about this site much earlier, would have saved alot of headaches!

Lake Hughes, California

This report was posted on Ripoff Report on 11/25/2003 08:50 PM and is a permanent record located here: http://www.ripoffreport.com/reports/providian-getsmart-emerge-credit-card/dallas-texas-75266/providian-getsmart-emerge-credit-card-ripoff-if-they-think-im-going-to-pay-this-they-73134. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Click Here to read other Ripoff Reports on Providian - Getsmart - Emerge Credit Card

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?