[color:red]WARNING!!! AVOID PROVIDIAN CREDIT CARDS! WARNING!!!</font color=red><br>This is unbelievable:<br>Recently, my wife and I moved our checking account to a new bank, and closed the old account. I updated the account information on all my credit card web sites — Providian and CapitoOne MasterCards, Visas, Amex, etc., so that my online payments could continue as before. There have been no problems, until we did the same for my wife’s Providian cards.<br><br>We followed the same process as for my Providian cards (and all others). In all cases, the banks systems are supposed to update their databases immediately, and issue confirming emails. My wife received her confirmations and proceeded to make payments on her Visa and MasterCard. But, in fact, the system choked, and the payments were instead presented to our old bank. So, of course, the payments were rejected, and my wife received an email to that effect. I immediately responded with an email explaining that we had updated the account info, and had received a confirmation. I also called customer service to rectify the situation, and that’s when the nightmare began in earnest.<br><br>By then, her cards and online payment options were locked down, and not one rep or supervisor would accept the explanation that their system had goofed. Literally nine calls in one evening, and nothing but frustration and belligerence. Then came the email notifying my wife that she was being assessed with a $20 NSF fee on each card! Five more calls resulting in little more than “though sh!t”.<br><br>Mind you, we rarely carry a balance on our credit cards, and in our 7-year relationship with Providian, we have never bounced a check or missed a payment. Not ever!<br><br>The next day, my wife discovered on the web site that her credit lines had been halved, and the following day received written admonishments (one for each card) from some Providian VP, berating her about irresponsibility and bad checks and having to re-establish her credit-worthiness with Providian!<br><br>Needless to say we fired off a scathing letter to this individual, along with the chopped-up cards, and checks for the remaining balances. As soon as my statements arrive, my cards will follow, too.<br><br>Just thought you’d want to know a/b Providian’s “special” brand of customer service, in case you ever get a credit card offer from them, or if you carry their one of their cards and ever have a problem.<br><br><br>
Loc: Pacific NW, USA
Jeez, I was feeling sorry for myself(arm still hurts) until I read that. Fargin Iceholes! Hope you guys get it settled without negative residual effects.<br><br>Cheers, iRock<br>"Even though Mac Users may be only 10% of the market, always remember that we are the TOP 10%"<br>-Douglas Adams
That is really a hosing you got. I have a couple of suggestions.<br>First, make sure that an indicated carbon copy is sent to the President of the company. It is easy to find out who it is and, although it may not make it past his/her secretary, it will be tended to. Return receipt requested is also the best way.<br>Next make sure an indicated copy is sent to the BBB. They usually forward complaints with the biggies to the biggies.<br>You might also consider having one of your lawyer friends send them a letter warning them about the fact that they may be liable if your credit has been adversly affected by their bonehead move.<br>"Tough [censored]" is not what the people you talked to were trained to respond to either in words or deeds. <br>It may take some time, but I think you will get some results by going up the ladder. Then, after you get the satisfaction of them acknowledging their screwup, you can tell them to stick the cards.<br>Either way, check with the credit bureaus to make sure you haven't been hurt there. <br>Good luck and don't let the Fargin Bastiges get you down.<br><br>
I had a problem with them too, although it was really my fault. <br><br>They moved my account up to a Platinum status and I did not pay that much attention to it on the bill. As a result of my status change, my payment address changed. <br><br>I normally try to sent off my electronic payment when I receive the bill...I did with them, however, since the address changed, they never received the payment. As a result, even though I was able to show I made my payment on the day I received my bill, and my bank was involved to also prove it, they socked me with all of those great charges.<br><br>
Thanks for the tips. I already have letters going out Monday via FedEx to 3 different officers at Providian, as well as to customer relations at Visa and MasterCard (whom Providian represents by offering those cards).<br>And I will get a copy of my credit report in 3 or 4 months (about when any new info will post to their databases).<br>As for the plastic, I cancelled the cards with a payoff, so that shouldn't have any negative impact other than Providian losing two good customers and the revenue from 4 credit cards (and I don't think that'll put 'em out of business ). Frankly, we have enough plastic without Providian, and having been seduced back into the American Express Franchise a few months ago, extra plastic becomes even less necessary (in NYC, everyone — even McDonald's — accepts Amex).<br>Providian... who dat? <br><br>
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