Providian National Bank — They have 3 different collection agencies attempting to collect over $3000 on the same account
I had a Providian Bank Card with a credit limit of $600 and a balance of $175. I had purchased the illness protection insurance through Providian. When I went through a traumatic experience, and opted to use my insurance protections, Providian refused to honor it. Now they have 3 different collection agencies attempting to collect over $3000 on the same account!! How can they do this? The debt is over 3 years past the SOL. I recently got a letter demanding my bank account information and they state once I provide the information they will take 1 of 3 actions: 1: A one time payment of 870.70 2: My account will be debited 3 consecutive monthly payments equivalant to $1741.73 3: Take monthly payments from my account that 'I' find affordable until the account is paid in full. Another letter I received from a different collection agency working for them demanded I open a credit card account with them and the balance would immediately show on that credit card and I could make monthly payments to them at an interest rate of 29.99% interest unitl it was paid off and they they would extend me a 'revolving' line of credit. Another company just called me about the same account and the woman on the phone stated she worked for an attorney, though she refused to say what attorney. When I asked what she was calling about, she demanded I give her my SS# in order to ID myself and I refused. She began shouting, said, 'Oh, here we go, another f******* deadbeat. We will get you. You will pay, do you hear me!!! You cannot get away from us. You are going to jail unless you go to the nearest Western Union and send us an immediate payment of $3, 483.46!!! Do you want to go to jail? Because if you don't pay this, that is where you are going!!! Do you honestly think we can't get you? We know where you f*****g live!!!' I told her I was not going to speak with her or even verify my name. She called me a 'b***h' and I hung up. They continued calling, stating that I needed to contact the Law Office, but no Lawyer name, and I would not answer the phone. Now, how can three companies try to collect the same time barred debt? Who would get the money. I am not giving them my bank info or anything else. The lady was so threatening, I am afraid.