Providian, Washington Mutual won't back consumer on fraudulant charges, they back the company charging instead. They won't attempt to fix the problem even after you email and fax them, ripoff! Dallas Texas

I have a credit card account with Providian/Washington Mutual. On September 25th I emailed them to let them know I cancelled an order for CHBA Health Benefits that day and was letting Provian know that if CHBA tried to charge my account after I had cancelled... I do not authorize the charge or the amount of 259.85 the CHBA company wanted to charge on October 3,2006.

I went online to check my credit account to find CHBA charged my card and Providian never blocked it. I called CHBA once again to cancel and emailed Providian to let them know their error and that I wanted my account closed as of October 3. They emailed me back and told me to fax the information to them. So I gathered the information nd faxed it to them.

November 2 I called CHBA again because I didn't trust them, and found out they never cancelled the order... but she assured me that she was cancelling it s we spoke and that I would not get charged on November 3... .she also told me I would not get a refund of the 259.85 from the previous month. I told her that I had reported it to my card because I cancelled a week before my card was to be billed.

On November 9th I check my account to find I was charged 139.95 from CHBA! I forgot to mention they also charged a purchase Finance Charge both months 1@17.07 and the other was 11.61. I called Providian again and got transferred to a shift leader named Kevin ID#045380 who basically told me they were not doing anything because they consider it a legitimate charge.

Once again I requested my account closed... and I think they might've done that because I could not log in to my account. If you can authorize a charge why can't you cancel it? Why won't your credit company block charges when you notify in advance that you cancelled with a company? Prior to CHBA I was trying to cancel a dial-up internet company named NetStorm.

I emailed, tried to call numerous times and finally faxed them that I wanted to cancel and they hve continually charged the card 14.95 each month for the last 4 months since I began cancelling. Once again Providian ignored my emails and continued to let them charge.

About three years ago I sent a payment of 100.00 to Providian for my account. They cashed it and put on my bill that I only paid 10.00 along with late fees, etc. I went through a huge hassle trying to get them to correct their error. I should've cancelled the card back then.

If you don't like constant errors, fraudulant charges, a company who ignores your requests and complaints... and doesn't back (YOU) the consumer... then my advice is to NEVER do any kind of business with Washington Mutual-Providian. They only want your money and will side with the other Rip-Offs. They lowered my interest rate and for no reason increased it higher- I always paid on time and usually paid the balance each month. RIP-OFFS

Leigh
Greenville, Pennsylvania
U.S.A.