bad credit cards


	Maria Writes: Complaint: First Select Corporation: I ad an opened an account with this credit card company in 2001. In 2002 I had filed chapter 7 bankruptcy and it was discharged in Jan of 2002. Everything was moving smoothly until May of 2003 when this company put the same debt under a new account number back onto my credit report! I have disputed the debt but the company no longer exists and the reporting agency states they contacted the company and the debt is correct! If I can't find a valid address or phone number for the company and the one I get from the reporting agency is out of service, how is the reporting agency notifying the credit card company? So here I am stuck with this on my credit report for another 7 years and it dropped my score by 14 points when it came back onto my credit report! Be careful.

	Melinda K Leager 8 east street camden, DE 19934 Phone: 3023311513 EmailAddress: melinda.leager@us.army.mil Complaint: I really have no clue what is going on and it seems like no one can help me! I have gone online and called every number having to do with First Select Corporation and Credit One, LLC and have had no luck with any of the phone numbers or addresses. I was in the process of buying a house and found out I have supposedly 2 cards on it htat I have never had and there seems to be no trace of them either. If you read this check your credit quick because you might be a victim as well.

	sharonda Complaint: First Select has done it again. I have paid $2,531 to this company and there is no record of it anywhere. A law firm has the account and is threatening me with a lawsuit for $1300 and I paid this account off two years ago. Someone please help.

	Melissa Salazar Alamosa, CO 81101 EmailAddress: melinzar@hotmail.com Complaint: I did not even know that I had a card through First Select Inc.. The first time I heard of it was 2 years ago when I was mailed a letter from attorney Frank J. Ball telling me that I owed him $2000.00 for unpaid credit card bills. I do not even have an old statement from the company, I have gone through all of my old bills and can find nothing. It does not even show on my credit report to this day but I have to go to court to dispute the claim anyway. I have not been able to contact the company or any organization related to it. If someone has this information please e-mail me. Thank you!

	Shalane Charlotte, NC 28212 EmailAddress: I_Cuttino!msn.com Complaint: I never had an account with First Select an account from another company was sold to this company and they garnished my wages in 2002. Now that I trying to get a house the company no longer exist for someone to release the jusgement that was placed on me. If anyone knows how to get in contact with this company please ley me know. This is bulls***.

	3271 NW 65th St Ft Lauderdale, FL 33309 Phone: 954 732-3769 EmailAddress: c/o ssharpe815@aol.com Complaint_against: First Select Inc Complaint: I did not know I had a card with First Select, Inc., Didn't even know who they were, but at my closing for the sale of the house, I had to close so let the title company pay them off, I should have disputed it but I needed the money. There was a judgment and I had no choice. The judgement was for $7399 and Consolidated Title company paid them $9928. The judgment is still on my credit report and I cannot find an address anywhere for them or even a phone number. If anyone has any information about this, please advise. Thank you

	Elissa C. Flagstaff, AZ 86001 EmailAddress: serendipity110575@hotmail.com Complaint_against: First Select Corporation Complaint: For all of you complaining about First Select Corporation (I believe a subsidiary of Providian Financial), I might have some good news! I am trying to clean my credit report and found an entry from First Select Corporation (a collection agency) in my credit report. I called information to try and get a recent address but found nothing. I claimed bankruptcy in 2001 and found an old address on my 2004 credit report, so I wrote them a letter. I sent it certified mail, and the address I wrote to is: First Select Corporation P.O. Box 99607, Arlington, TX 76096. The person that signed as receiving the letter is Ronnie XXX. I have not heard back yet, but I will keep you updated. I mailed the letter 7/27/2005, so it exists somewhere! Good Luck!

	Scott L. New Hampshire EmailAddress: saboats@aol.com Complaint_against: First Select Complaint: I recived a small claims complaint from an attorney in NH stating that I was in default to this creditor. As I disputed the debt, the attorney provided me with only an affidavit from the creditor that I owed this money, but they could not provide me with any further info. The debt was bought by Creidgy Recievables from First Select - and now I have to go to court to fight it. To this date, after close to six months of dealing with their attorney, they have provided me with NO proof of the validity of this debt, but it's still going to court! Is there anything I can do about this?

	Jamie Jensen Provo, UT EmailAddress: jamieajensen@yahoo.com Complaint_against: First Select Corporation Complaint: Help! I'm at a dead end! I opened up an account with Discover Card back in 2000. Since I didn't pay off that credit card right away, it was sold to a company called First Select Corporation. Recently I tried to track this account down so I could pay it off. First I called Discover who validated that it was sold to First Select & they could only provide me with this phone number, 1-800-280-xxxx, and nothing more. I called this number and was greeted by an automated message that asked for my acct # or social security #. It did not recognize my acct # or my s.s.# and then booted me off with a "Thank you. Goodbye." There is no way to go to an operator or a real person of any kind. So now I'm stuck. I have no way to get through to First Select to pay this bill off so I can get it off my record once and for all! If anyone has any advice, I would greatly greatly greatly appreciate it. Thanks, Jamie

	Gerry EmailAddress: gerryciotti@yahoo.com Complaint_against: First Select Corporation Complaint: Help PLEASE! I have a judgement against me from First Select, Inc. I have never heard of them. I recently applied for a home equity loan at which time the lender paid the amount to the address on the judgement. The check came back as no known person/company at that address. So what now????? Has anyone had success in contacting this company? What a crock! Thanks.

	Brado Complaint_against: FIRST SELECT, INC. Complaint: I do not know what is going on, I received a notice of garnishment in the mail from a law firm in Metairie, La. on behalf of FIRST SELECT, INC. I have never heard of this company and I cannot find any info on the internet about them. I am going to contact the law firm and let them know about this site, and try to get information from them. I am not going to stand by and take this!!

	Anonymous Complaint_against: First Select Complaint: I guess I'm not the only one having this problem. I do have a number that was listed on my credit report. 1-800- I have called them several times and have talked to a live person. But, unfortunately the person whom I am supposed to speak to is never available "How convenient"! His name is Mark. He is the one that is said to be in charge of the accounts that go into public record. Good Luck!

	Chris K. Phila., PA Complaint_against: First Select Inc. Complaint: I filed for bankruptcy back in 2000. I receive a court notification in 2005 that I have to appear in court for a Notice of Status Listing with First Select Inc. All of my credit cards were on the bankruptcy. I was only given a fax number and the attorneys name. I have tried to fax this attorney for the past couple of days and the number is always busy. Now I have to take time and go to court. I don't even know who First Select is or who they are affiliated with! This is just down right harrassment!

	pm STL, MO Complaint_against: First Select Corporation Complaint: Last year, 2004, I opened my door to a gentleman serving me with papers to appear in court for this "outstanding balance" for First Select, AKA Credigy Recievables, AKA Providian. I freaked out! I then called my attorney friend and had them look into it....well I never went to court because they couldn't come up with any credit card agreement (because there wasn't one!)and the case went away...until yesterday, 12/14/05. I get another letter stating that I owe them money. This time it is from an attorney in KS. Lower amount of money, to be paid to Credigy Rec. I pull out all of my old paper work, look thru each credit report, still find that it is a bogus claim. BUT last year when this was happening, I did find that they opened a claim in 2002....funny because I didn't.... under the name Credigy and First Select, and Providian...I contacted the credit report agencies and said this was false, they sent back my report in late 2004 stating that they had DELETED those false claims. Now this stupid company is trying it again. Well, they are in for a surprise because I am sending them copies of everything that has transpired since 2002...credit reports, attorney information, these postings, etc.... And too I read a page from Trans Union, that there are times when a false charge can be used to sue the offending company. hmmmm....

	mike l 311 port monmouth road middletown,nj 07748 Phone: 9732654996 EmailAddress: remzijes@aol.com Complaint Against: First Select Complaint: first select I had an account with associates back in 2000 and paid them off in a settlement I have received a letter from a lawyer from credigy services stating I owe them 5200.00 because they have the account from first select or citibank stewart and assoc. reps at the law firm are so rude I have the check stubs proving I paid the account off now what do I do I have to go to court now so I heard first select buys some charges from banks and now citibank took over associates national bank it took me my whole week vacation to try to figure this out hence I still have to go to court I have settlement papers from the original company and check copies

	Nicole B Maryland Phone: 301-776-3303 EmailAddress: nc3407@yahoo.com Complaint_against: First Select Complaint: I had a credit card with Associates in 2000 and it was turned over to First Select. So I entered into a settlement and paid the balance in full and recieved a paid in full letter and everything. So in 2002 I was contacted by First Select again stating that I owed them a balance and I sent them my paid in full letter and the representative explained that the lady that was working on my account didn't work there anymore so my account never got updated. So he assured me that my account would be closed. Well long story short that never happened and now I have a $3,000.00 balance that Credigy is trying to collect from me and since its been some years I don't have that paid in full letter anymore. This sucks because this is really hurting my credit. I called credigy to see if they had any info on First Select because that's who they bought my account from and misteriously they don't. Feb 2006

	Victor EmailAddress: Vlodown@yahoo.com Complaint_against: First Select Corporation Complaint: I am going thru the same problems as many on here. I refinanced my home and was told that I had an outstanding debt to First Select corp aka Credigy receivables,inc . My lending bank sent them a check that was returned to me. I have no way of contacting them, because all the phone numbers I had called are ot in service and any mail was returned. 4 months after my loan closing, I received a letter from their attorney Forster and Gareus located in farmingdale NY. The attorney have placed a hold on my savings account for double the amount of the unpaid balance. I am trying to contact the attorney but they have not returned my calls either. If anyone has any information that can help me, I would greatly appreciate it.

	Greg Tucson, AZ EmailAddress: gproctor44@aol.com Complaint_against: First Select/ Credigy Corp Complaint: While trying to buy a house last month it was brought to my attention I had a $3000 debt with a credit card collection agency by the name of Credigy corp...They are the collector for outstanding debts for First Select credit cards. I never had a credit card with First Select.. I called this company to figure this out and they directed me to a local agency that now had this debt..I called the local agency and was told " We deemed that debt invalid and rejected it"..Funny that Credigy wouldnt know this !! I call to figure out a dispute and was told the amount was $2714.. I go through the proper steps and today I called to get the fax number for a signed Identity Theft Affidafit...They said sure here you go and your total is $3150... Holy crap, where did that extra $500 come from...She says, "interest and fees"...One month it took to raise this debt somehow, I guess they raised it hoping I would settle and this would get more out of me.. I would love to get a class action going against First Select and/or Credigy their collection debt...

	Tammy EmailAddress: Nrse2be06@aol.com Complaint_against: First Select Inc Complaint: My husband and I recently applied for a home mortgage. We were approved on the condition we pay the amount of a property lien that was filed in my Husbands and his mothers name. The lien was for $2197.06 payable to First Select Inc. My husband has never heard of this company. I contacted his mother and she has never heard of this company as well. I went on the county clerks website for my area to retrieve file numbers and addresses. I contacted an address for First Select and a attorneys office. When I contacted the attorneys office they stated the account was closed. They then proceeded to connect me to a person who could mail me a satisfaction of lien letter. I never again was able to speak to another person again until today. The woman who I spoke to now said my husband is not on the account, and if I call back tomorrow morning she could research the information and be able to help me more tomorrow. We are suppose to close on our house in May and I can't seem to get anyw! here. Can someone help me? Thank you.

	Joanna Benech Miami, Florida Complaint_against: First Select Inc Complaint: I had no idea I had an account with First Select until I received a citation to the county clerk for a judgment. When I checked my credit report there it was, it shows the account was last paid in Sep 2001, which coincide with my marriage dissolution. I tend to believe it was my ex husband and now since they haven't been able to collect payment they are coming after me. The best part is that I have never received an attempt to collect debt from this company, nor a statement of account, nor request for payment since the account was not paid in Sept. 2001.

	Melissa Barton 18 Lenox Ave. Oneida, NY 13421 EmailAddress: melhrodesr@netscape.net Complaint_against: First Select Corporation Complaint: I too have the same problem that you all have. I have been paying this judgement against me for the past 2 years for$2,438.00 that I don't ever remember owing. I'm trying to buy a house and get my credit cleaned up and this stupid issue keeps popping up. I wonder if any of you have an address or a number to a person to get this figured out. PLEASE HELP IF YOU HAVE ANY INFO!!!!!!!

	Linda CityStZip: Canton, Ohio 44703 EmailAddress: lroush@neo.rr.com Complaint_against: First Select/Credigy Complaint: I filed for bancruptcy in 2001, First Select was one of the cards listed, my X husband was also on the card so to make a long story short I had to make sure he was not held liable and all payments were made through my attorney in 2002. Now 4 years later my X husband calls me to let me know this was still on his credit report.There were never any bills received by either of us concerning this debt. It was sold to Credigy, from what they told me sometime between Dec 2002 and May 2003. They have no record of my payment being received. Now an attorney has contacted my X husband to tell him he will be receiving a letter to appear in court and is being sued for this matter. I am working with my attorney, and X husband, and trying to work with Credigy to get this matter straightened out. Then I found this website and realized I am not alone in this matter. Hopefully good things will come out of this for all of us. If anyone has had any luck in solving their dispute pleas! e let me know.

	LK Complaint_against: First Select Corp. Complaint: Thank you for your informative web site! Thanks to your postings, I was able to get a phone number for Credigy (1-678-728-7310). I had to leave a voice mail message for their Collections department. Their recording promises to "return the call within 24 hours". I'm not holding my breath. I am an attorney who is representing a client beseiged by a debt supposedly owed to First Select Corp. On her credit report, it says, "Judgment Filed" on a certain date. When I went to the court's website and pulled up her case, it appears that the entire case against her took place while she was out of the country! How, exactly, did First Select Corp. take a client to court when that client was half a world away at the time? Also, according to the court's records, the case was never finalized. She was unaware of this 6-year old case against her until she tried to get a loan for a house last week.

	Michele NJ Complaint_against: First Select Complaint: I recently received a letter in the mail from a lawyer stating that they are representing First Selet and they would begin preceedings to garnish my wages. However, never heard of First Select and have wrote the stupid lawyers a letter stating such. I have read everyone's complaints on this site and will be printing them out and providing it as proof. Class action suit sounds great to me!!! I will keep sending letters their lawyers, but, I am not going to court for something that they can not provide me proof of!!!

	COCO EmailAddress: rovah1colorado@yahoo.com Complaint_against: First Select Corp. Complaint: I to have been a victim of this Corporation. I have a judgement on my credit for $2,500 I have not been able to verify that this Judgement does not belong to me. I dont plan on paying this judgement untill this company can prove to me that I owe them. I think we should all get together and counter sue. If they are sure that we owe them they should repond to our demands we have that right.

	Anonymous EmailAddress: stomesco@earthlink.net Complaint_against: First Select Inc./lyons doughty pc Complaint: I have also received a letter from an attorneys office demanding payment for a credit card from a First Select INc.credit card account for which i have no record of!?? I am sending back to this Lyons doughty a letter asking for breakdown of charges along withsome of the posted website comments from others like myself.

	George Dolgeville, NY13329 EmailAddress: gdicamillo@usadatanet.net Complaint_against: First Select/Credigy Complaint: Dear Readers, This is crazy. Ive got this call the other day from a collection agency , the gentleman claimed I owed $7000.00 to First Select, purchased from Wells Fargo. So I called Wells Fargo, they had no record of my card or any information that I had a card. Does anyone have some advice , Im trying like all of you to clear these jokers off my credit report. Count me in on the class action lawsuit. Thanks George

	Michelle California EmailAddress: ButtrflyLvr1031@aol.com Complaint_against: First Select Inc. Complaint: I read some of the complaints that have been posted on here about First Select Inc. Anywhere from "can't find them", " they are ghosts". I completely agree with all of these comments. I dealt with First Select Inc. in 2002 in regards to a debt from 1999. So I went ahead and dealt with them so I could regain a good status on my credit report. After making 4 payments of $100 dollars each, they mysteriously disappeared. There was no address, phone number, nothing at all on them. I was contacted in 2003 by another collection agency and they told me that the debt was the full balance before First Select Inc. cashed the checks I sent. I advised the Second Collection Agency of everything. I sent them copies of cancelled checks, statements from First Select and they did not honor the fact that I attempted to make good on the debt, even with the proof, statements, faxes, letters, etc. They then transferred it to yet a third agency who is now contacting me asking for double! the amount originally owed without the money I applied to the debt through First Select. I asked the third agency to send me a letter of representation to let me know who they were before I talked to them in regards to this debt. They finally, 4 weeks after the call took place, sent me the letter that now states it was purchased from none other than FIRST SELECT INC. I researched online today and all I found was people complaining about how they paid First Select and now they no longer exist. I also went on to the Better Business Bureau and there is absolutely nothing found on this company I think we've all been had by FIST SELECT. If anyone has any further information on these people, please be kind and send me an e-mail and let me know what you know. Thanks

	Ferd Farkle EmailAddress: farkleferd@yahoo.com Complaint_against: First Select Complaint: First Select (Providian?) purchased my debt from Discover Card. First Select ask for and was granted a judgement. Never paid anything to First Select, and they stopped sending statements. Credit report now shows "purchased by another lender". This all took place in 2002. I've never heard from "another lender." I would greatly appreciate hearing from anyone who has had similar dealings/problems. Thanks!

	Tom California EmailAddress: tpdf@sbcglobal.net Complaint_against: Credigy Receivable, Inc., First Select Corp., Hunt & Henriques - Atty's at Law Complaint: What a joke. I just received a letter from the so-called atty's listed above that I had a judgement filed on July 27, 1999 for $4617.58, and that I now owe $8163.54. About 3 or 4 years ago, this so-called collection law firm actually emptied my bank account on 2 occasions. I notified the Sheriff's office in their county and got my money returned to my account. However, I had several checks bounce, and it cost me something like $50 each time to file the papers proving they acted illegally. I thought this joke was over with until this week, when I started getting taped phone calls, and then this letter. What started it all was a trip to Boston with all charges put on one card, when I got home, I called the credit card company, asked them for the payoff balance, and immediately sent them a check. I kept getting billed for interest they said I owed, and I told them I had paid off their balance, and didn't owe anything. I finally said, if you can send me any proof that so! mething was purchased on the cards, I would gladly pay for it. Nothing was ever done until First Select bought the "closed" account and said I owed them something astronomicle now, that all beganwith some odd $20 in interest that should never have been there. NOW - it's $8 grand plus. What a flippin joke - these A-hole need to be put to rest in a bad way! Count me in on any class action activity. I might even pursue it myself tomorrow. Good luck to all! PS: I CANNOT BELIEVE OUR LEGAL SYSTEM IS ALLOWING THIS TO HAPPEN!

	Mike Slayton Woodridge, IL Complaint_against: Credigy/First Select Complaint: I received a wage deduction order last week (Sept 2006) from a judgement in 2000 I had never known about. I went to the local courthouse and picked up the original file. The "service" was obviously not made, as the phyical description, age, etc was no where near correct. A quick "Google" showed Credigy and First Selecct seems to have a bunch of litigation against them for just this kind of thing. I have an attorney retained, but I am curious of any recent decisions against Credigy. Thanks...

	Anonymous Complaint_against: First Select All, To get this removed from off your credit report you have to involve the court system. Leave First Selects represented attorney alone. Deal with the court and the credit agency. All you need is verification of payment. If you know who the creditor is...Pay the creditor, and provide proof of payment to the court. The court will provide you documentation. Take your confirmation of payment and that court document and send it to the credit agency. At that point the credit agency does not need to verify with the creditor. This works with judgements. If you have no judgements from First Select or Credigy. Sue their ass. Find a good attorney

	Allison CA Complaint_against: Credigy, First Select, Providian Complaint: A while back I was contacted by Credigy stating that I was delinquent in paying a debt to them of about $11 thousand dollars! When I stated that I had never borrowed $11K from anyone including their company they became very rude, tossing words about such as lawsuit, wage garnishment, threatening my husband and myself with attorney fees and the possibility that we could lose our house (ok, I've borrowed MORE than $11000 when purchasing my home...in the form of an honest-to-goodness mortgage...)By looking through my credit reports I came acroos some amounts and dates that started making a pattern...In 1998 I opened an account with MBNA. During the next couple years I used the card to it's limits...my husband broke his back in 1999 and we got behind in our bills, so I used it for medical bills, household bills, groceries, the house payment. All tolled, the amounts totalled about $6500. As of Jan 2001, MBNA charged off the amount and last reported this to the credit b! ureaus as of March 2001, without our knowledge. In April 2001 we refinanced with Ameriquest, and as part of our new loan we agreed to have Ameriquest pay off the card to re-establish our credit (not knowing that MBNA had done the charge-off)...After a strange paper trail through Providian, then First Select, with differing, but similar amounts and little contact with me, these companies reported me as delinquent as well. It turns out that the title company handling the refinance made "a payment" an amount close to a monthly payment, to MBNA, then the account was purchased by Providian, then 1st Select and finally Credigy who says that we "opened the account" in 12/2002 for about $7300!! As of last month...we now are touted as owing about $14000! Outrageous! What can I do...have the statute of limitations run out...were they reinstituted when companies purchased the debt? My credit in pretty low at the moment, no bankruptcies or judgements or public notices, but I'm in the lo! w 500s. I'm refinancing and was told I should "just pay them off". For one thing I don't want to borrow the additional money and I don't feel it's right to pay this company anything CLOSE to $14000! Any sound advice? I've noticed that this company seems extremely shady...do they deserve to be sued in return? Thanks for your comments!!

	maria Complaint_against: First Select strikes again Complaint: I to have become a victim of vicious cycle who is First Select? I called Providian and they show nothing with my name and ss#. This attorney Hunt & Enriques will not provide me with proof of ever being served or anything else for that matter. I have searched and searched for First Select and I can not find anything where does this money go?! They claim they served me with court papers back in 2000 and that this account was closed 1999. I just got the judgment against my bank account 10/20/06 if anyone can help maybe we should really consider a class action why should we let this First Select that nobody can find take money that is rightfully ours and our family's. Being a single parent trying to make ends meet with three little ones is not easy. I could easily go on AFDC and beat the system but I'm not I take pride showing my kids values. if anyone can help I am open for any help I can get

	heather altoona, pa EmailAddress: redfrog288@aol.com Complaint_against: credigy recievables/first select Complaint: i paid my account off march of 2005 through a lawyer and now they have put me back in collections stating i still owe them over 800.00 i have already paid them 1800.00 and i refuse to pay anymore..has anyone had any luck with help from dealing with this company. i havent been able to talk to anyone from the company except for one time and now i can't. please someone let me know thanks

	Lori New York Complaint_against: First Select Complaint: I had a judgment on my credit report filed by First Select. I filed bankruptcy and the judgment was included. I received a satisfication from the county clerk. I then went to refinance my home and the judgment was still on there not updated to satisfied. I disputed it with the credit bureaus and it came back that the information was accurate that the judgment was still outstanding.There should be some way all the people who have been victimized by First Select should be compensated in some way.I feel this is has to be illegal and needs to be stopped. They are ruining peoples credit.

	Anonymous Redondo Beach, CA 90277 Complaint_against: First Select Complaint: EVERYONE STATES THEY CAN'T GET INFORMATION... YET THIS IS POSTED IN THE INTERNET when searching "First Select Corporation". The reason they are making BILLIONS is because of what they are doing to innocent people. They are proud of it and will continue to do it unless a class action suit brings them to their knees. Please, if there is any attorneys out there that can do this... save the innocent! HERE IS WHAT IS STATED at web site:Providian Financial's First Select Corporation Achieves Billion Dollar Milestone in its First Year of Operation SAN FRANCISCO, Oct. 13 /PRNewswire/ -- Providian Financial Corporation (NYSE: PVN) announced today that First Select Corporation, its wholly owned subsidiary, has completed its first year of operation and has secured more than $1 billion in contracts with seven of the nation's top credit card issuers. The agreements represent commitments from creditors to sell their charged-off receivables to First Select. First Select, which specializes in the rehabilitation of consumer debt, offers accountholders a range of payment plans to help them pay off this debt as quickly as possible and begin to rebuild their credit. "Our success in achieving the billion dollar milestone in our first year demonstrates that our operating philosophy is right on the mark," said Roger Van Duinen, President of First Select. "Our goal is to bring value both to the financial institutions from whom we purchased the accounts and to our newly acquired customers by helping them to rebuild their financial strength." By selling charged-off debt to First Select, financial institutions can improve their bottom lines and exit non-strategic markets. They can also rely on First Select's consistency in the marketplace since First Select is backed by the financial stability of Providian Financial. In addition, First Select offers value to the customers whose accounts are purchased. According to Robert J. Hanna, First Select's Senior Vice President, Business Development, "First Select never loses sight of the fact that every one of the accounts we purchase represents a valued customer," he said. "With that in mind, First Select's mission is to treat all customers with dignity, trust and respect, while working with each accountholder to customize a payment plan for them." First Select also strives, once customers fulfill certain repayment commitments, to assist them in acquiring new credit. "First Select fits well with Providian's mission of helping people build or rebuild, responsibly use and protect their credit," said Shailesh J. Mehta, Providian's Chairman and Chief Executive Officer. "And this business represents an additional avenue of growth for Providian Financial." San Francisco-based Providian Financial Corporation is a leading provider of lending and deposit products to customers nationwide and now offers credit cards in the United Kingdom. Providian serves a broad, diversified market with loan products that include credit cards, home equity loans, secured cards and membership services. With a commitment to 100% customer satisfaction, Providian's mission is to help its customers build or rebuild, protect and responsibly use credit by providing a quality borrowing experience that leads to active and lasting customer relationships. The sixth largest bankcard issuer in the nation, Providian has $18 billion in assets under management and over 10 million customers. SOURCE Providian Financial Corporation

	M.varghese PO Box 941678 imi Valley, CA 93094 Complaint_against: First Select Complaint: I had paid off the balance as per the agreement with them and now I get a letter from Credigy Services Corp. dated 11/07/06 stating that I owe them $26635.79, and there is no signee, I think this is a fraud and I would like to report them to Bureau of Consumer Affairs as well the State of California, regarding this fraudaulent account I have with Bank of America and would like to contact Bank of America regarding the same. I will have my attorney contact them for this matter and will sue them. M.Varghese

	Tony EmailAddress: pboy225@hotmail.com Complaint_against: First Select Corp Complaint: Please help! Does any one know how to contact First Select Corp? I'm trying to buy a house and their name popped up on my credit report stating that I owe them money from a settlement. This is ridiculous...

	Dana Valencia, Ca EmailAddress: msdmholden@yahoo.com Complaint_against: First Select Corp Complaint: All of you are correct this company, First Select according to the number that I called...the 800 number all of you have the live person that I talked to stated that it is now owned by Washington Mutual and First Select went out of business. I asked for him to pull up any info he had on my social and all he could tell me was that it was bought out by credigy, and gave me a number. The lawyers that are handling this case were not one bit helpful and for good reason..after obtaining the court case number and pulling the file, I was not properlly served and new nothing of the debt (#1) and (#2) the company doesnot exist anymore. I am very sure the lawyers are the one getting my hard earned money...cuz the bastards are garnishing 25% of my wages and I doing everything possible to stop it and make it right. This is a debt over 10yrs old!!!!!! according to them, is that legal..??? Any advise would be greatly appreciated. I need the garnishments to stop today!!!!!!!!!!!

	Anon Complaint_against: First Select Complaint: First Select/ Providian now Washington Mutual or whatever. Here's the # I used to to get what I needed 800-356-0011. Hope this helps

	Jaarin EmailAddress: jessicaclaxton@hotmail.com Complaint_against: First Select Complaint: When viewing our credit report we noticed a debt owed to First Select for $6547.33 (originally from MBNA). Then it went to Credigy for the same amount. That was in 2003 now it is 2006 the debt is now with Credigy or Stewqart & Associates P.O. Box 2389 Suwanee, GA 30024 1-866-990-9964 At the amount of $15,407.48. Now I requested an account Validation and they sent me an account statement. Nothing showing we in fact made the debt or how it is owed to them. The next step is to have it removed from our credit report. I will let you know. I can not believe this company, very rude and not in compliance with any of the FTC rules. Someone please put a stop to this harassment. Why should we pay money to a court to fix this when it should have never been able to go on this long in the fist place. For people that are trying to keep up with there credit this is unacceptable.

	Billiesue Boussatta Chelford Loop Idaho 83687 EmailAddress: billiesueb@yahoo.com Complaint_against: First Select corp Complaint: Has anyone been able to get in touch with this company? I my self for 7 years have the same problem. I filed Bankruptcy in 2000 and after the fact this company put a judgement on my credit and it still continues and gets renewed every year. I have tried several times to get in contact with this company to get it resolved without success. Any information would b helpful. Thanks!!!

	Anonymous Complaint_against: First Select/Credigy Complaint: I too am going to court over a very old debt, Credigy Receivables says they purchased from 1st Select. I pulled all 3 of my credit reports and they list themselves under different names. 1st Select is a wholly owned subsidiary of Providian Financial. Both names appear on my credit report for the same account # and different amounts.

	Tim Edmiston Mesa,Az.85204 EmailAddress: tsedmiston@msn.com Complaint_against: First Select/AAron & Assoc. P.C. Complaint: When getting a credit report for my job it showed I had a court judgement against me from First Select from an old account with Bank of America from 6 or 7 years ago. I decided on my own to contact the listed litigators, Aaron & Associates in Tucson,Az. in order to settle this debt as I felt I should. When called I was told they had no knowledge of my case and they would get back to me as I has provided them with some account numbers. After not hearing from them for a week, I called again and was told again they knew nothing of me. Further checking, I was informed the files had been closed. I,in good faith,stayed with this pursuit to do what I thought was right. Again this company forgot me and weeks later I contacted them again. First I was told by a representative of A&A that I could put $300 down then would only have to pay $1500 of the $3000 owed of the original $1000 debt to BofA. This same rep. contacted my dad and dealt with him for $500 down with a now inc! reased debt amount. We then of our own offered a $2000 settlement to which the rep. told me I most likely would not even have to pay that much. And this rep. has told me First Select will not budge and the amount is well over $3000. Of which we have actually given them $2000 as faith. This was done approximately 1 1/2 months ago and I have heard nothing further from them. I am also willing to file for civil litigation. But I suggest not dealing with either entity with any morals as they don't with us.

	Cathie King Jensen Beach, FL EmailAddress: cathieking@yahoo.com Complaint_against: First Select Complaint: Add me to the list of debt charges from 2001 just showing up now from Credigy Receivables Inc 866-204-3457 ( Feb 2007) How do I find who to talk to?? Credigy just says how will you pay? After 5 yrs of intrest adding up?? Please contact me with any news. Thanks

	CJ New England EmailAddress: cjmya000@hotmail.com Complaint_against: First Select/Credigy/Stuarts& associates Complaint: I'm looking for any kind of help, these people run a vicious circle with all of our credit.My wife just receintly started receiving phone calls from a Miss Grace from Stuarts& Associates law firm. They are calling everyday, well this morning I was awaken by Miss Grace. After doing some research, this bill originally came from MBNA, then to first select, then to credigy, then now at their law office which is Stuarts and associates. Where they scam and charge you interest, from the original bill, that will never clear from your report. This all started from a MBNA bill back in 1999, it's now 2007 and they can charge interest from then. It's crazy. Here's some numbers if you have the same problem, Credigy 678-728-7310, then they will give you ext 4197 which goes to Stuarts and Assoc. in Georgia. This happens sometimes, if they pick up, or hang up. Ask for a Chris Mims, he is a ray of sunshine, he'll tell you"when he is done f!@##$$n talking. Great American I'm su! re. He is a lot of help, He'll also tell you to pay up. I'm just looking for someone who has dealt with this and how to clear this matter up.

	yalawa Denver,CO EmailAddress: yalawa0506@yahoo,com Complaint_against: First Select Corp Complaint: I filled bankruptcy in November 2000 and got discharged January 2001. I've done a great job of rebuilding my credit to the tune of purchasing a home, auto, and negotiating awesome rates on my existing credit cards! As I am in the middle of refinancing my home I recently discovered that First Select Corp has placed a judgement on my credit report which has now lowered my credit score. On my credit report it lists no information for this company other than "sold to another lender." After researching my bankruptcy papers, I discovered that Frank J. Ball was representing Discover Card/First Select Corp. I am now working with an attorney to "clear up" this issue. Isn't is amazing that you cannnot find any trace of First Select Corp on the internet? (With the exception of this great spot to voice complaints about the company!) HOW ABOUT A CLASS ACTION LAW SUIT AGAINST THIS COMPANY AND THE COMPANIES THAT PURCHASED DEBT FROM THEM!?!?!?!
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	marie EmailAddress: ladyvader@verizon.net Complaint_against: first select /credigy Complaint: my husband and i recieved what looked like a very official packet in feburary 2007 from credigy rec. inside where papers claiming my husband owed money to first select. this was supposedly from 2001. he NEVER even had a first select card. the papers had a doc# but the inforamtion page provided by the court was missing. the page that reads :"you are being sued". the phone number provided only got us an answering service. i did not wish to leave our number because i just had feeling the harrassment calls would start.so we responded by mail asking them to prove the validity of the debt instead they sent more official looking papers from the law office of dennis w. light,pllc in white plains ny for notice of entry of judgment. now shouldn't i have been notified about a court date ???? we bought a house in 2001 and this was not on the credit report. futher more we went thru debt consalidation in april of 2006 and it was not on the report. so if we went ahead and did th! at with our debt why would we leave this card off ?????? there are so many websites that saw first select & credigy inc are scam artists so the question is what can we do ????????
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	Brennan montana EmailAddress: bdearrieta@bresnan.net Complaint_against: First Select, INC Complaint: I received notice (03/07) that my wages were to be garnished from a settlement that I knew nothing about from July 2001.I have been unable to find out what this stems from or how to handle it. I never received any court documents relating to this company or any subsidiaries, and find it hard to pay back what I never owed in the first place. I am in full support of a class action suit if anyone knows how to get the ball rolling. I tried the numbers found on this site for Credigy and for Washington Mutual and have received to response. Other lawyers that I have contacted seem very reluctant to enter into this mess. If anyone has any ideas, please let me know.
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	Misty EmailAddress: misti_browneyes@yahoo.com Complaint_against: First Select Complaint: I recently became a teacher and when my second check came in it was alot lower than it should be. I went to the school board office and they said it was because a judgement to garnish my wages had started. It was from First Select. I don't even recall having anything with this company. I haven't received any mail or anything. I was amazed they could do this. I am for a class action suit or anything. I am now trying to find a number or something to help me try and fix this mess.
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	CPL CARLOS LUNA FORT RILEY, KS 66442 EmailAddress: carlos.lunajr@us.army.mil Complaint_against: FIRST SELECT Complaint: When viewing my credit report i noticed a debt owed to First Select for $3,475. It use to be Credigy for 2,273 and now it's back with Credigy or and i believe purchased by another lender as of now!!! I can not believe this company, very rude and not in compliance with any of the FTC rules. Someone please put a stop to this harassment. Why did i pay alot of money while deployed to Iraq to pay it off, now it saying i never paid it off- when i actual did. For people that are trying to keep up with there credit this is unacceptable, how can this company get away with this, i worked hard for my money. how do ii get a hold of First Select to solve this problem, what other step do i have to take to resolve this issue, it's if i were paying thwm for nothing, like throwing away free money... the only other step i have next is to write my congress man or even get the military judge advocate (JAG) involved, can you please help me in some way before i do go that route?
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	jeremy rochester NY EmailAddress: jeremydc14221@yahoo.com Complaint_against: First select Complaint: I have a judgment back from 1/2003 from first select inc, they got my account through discover for a little over $2000. The account was then sold to forster&Garbus. I called them and they said they sent it back to first select, I then tried calling the number they gave me and it didn't work. I want to pay this off to get it off my credit, but after reading a lot of your comments i am a little concerned and don't want to start giving them money and find out i cant get it off credit report for another 7 to 10 years, I would love to hear from someone who has had some success getting judgment off their credit report.
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	HM1 David Petersen Maple Grove, MN 55369 EmailAddress: dtpete@usfamily.net Complaint_against: First Select Inc Complaint: This is in response to many of the postings I saw on this site. A few years ago I tried to refinance my mortgage, and came accross a bunch of accounts opened fraudulently in my name, with my personal information. One of these was in collections with the original creditor. I got it squared away with them and removed from my credit rating. They sold off the bad debt to... First Select! They promptly ignored what had been cleared up before and slapped it back onto my credit report. We argued back and forth by mail, and it seemed to go away. But eventually it got sent to Stewart & Associates, and attorney-run collection agency. I again played mail tag, submitting protests and asking for information. After they called my wife and told her they had obtained a judgement against me, we decided to call in our own attorney. They had broken the Fair Credit Collection Act by lying. We just won the case against them, and are now going to go after both Credigy and First Select. My attorn! ey is interested in starting a class-action suit here in Minnesota, for the very reasons many of you list here on this site. Feel free to contact me for contact info for our attorney. For those of you who are also in the military, take a close look at your governement charge card, if you have one. Mine had several fraudulent charges on it, after I used it once, in Alaska on training. Within a couple of months someone in Ohio and Virginia were making charges on it. I'm still looking for the connection between that card (long since cancelled) and my sudden residence and employment in Virginia, at least according to my credit report. I have always lived in Minnesota, but I somehow became a doctor at Georgetown University living in Temple Hills!! Look closely at your credit reports and check for mysterious addresses.
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	gwynn northern ca EmailAddress: gwynnsfusa@hotmail.com Complaint_against: First Select, Inc. and Credigy Receivables, Inc. Complaint: My situation is so similar to half of these people that have posted complaints, it's downright scary. I never had an acct. w/ Metris as Credigy Services Corp. listed. Then they supposedly sold to First Select who then sold to Credigy Receivables. A long story short...I filed a dispute w/ all credit reporting agencies and Credigy did not respond within 30day (or at all) so the CRA's deleted the item from my credit file. Now 6/6/07 they start up w/ me again. I am responding within the 30days and disputing the validity of the item. I pulled Transunion, Experian, and Equifax yesterday and noticed the lying thieves have checked my Transunion report. They list their info as; Credigy, 3950 Johns Creek C, Suite 100, Suwanee, GA 30024 (866) 204-3457. They did this on 4/2007 so maybe the # is good. I have filed a formal complaint w/ the FTC, BBB, and am investigating if there is a possibility to pursue a class action suit. This is mad!!!! How can a company do this and g! et away w/it? If that is the case, let's all say we bought a non existent a/r acct, put it through to the CRA's and wait for someone to send us $. This truly is crazy!!!! I hope the # helps. I am not calling these crooks though.
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	GWYNN 95628 EmailAddress: GWYNNSFUSA@HOTMAIL.COM Complaint_against: METRIS, 1ST SELECT, CREDIGY Complaint: After receiving this unconfirmed stmt of debt I disputed. They responded 2mths later with a "word" type doc w/ my name and "xxx" acct. # with the following collection agencies/so called lender purchased debt. This debt was placed w/ all 3 major CRA's and that's when the fun began. Initally, I thought they must be joking....however, I soon realized there is nothing about this CRA filing which was a joke. I disputed and it was deleted. They have now come back 1yr later w/ a $7K plus stmt trying to initiate the same credit torcher/death they started in 2005. I have researched all 3 companies and all 3 have the same issues. Like myself, people across the country are having to defend themselves against these scam artist(albeit the so-called legitmate businesses) have leached into main stream society much like Enron and others which nobody would have believed prior to the outing and prosecution of such artists. Again, they are back and I the "consumer" must prove that they! the "scam artist" are not valid. Strange, horrific, odd, incredible, all these come to mind and yet I and others are in the same predicament. Amazing....watch who your cardholder sells to as they not only will request pymts which zeroed the acct, but create new and accept $ and then reinstate the "removed or deleted" item from your credit report only to come back with a vengeance! Be watchful of these companies!!!
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	Vale Atlanta, GA 30045 EmailAddress: valegirl38@yahoo.com Complaint_against: First Select, Inc Complaint: I too have a complaint against First Select, Inc. Have any of you found out anything since posting your complaint on the bad credit cards site? If you have any valuable contact information that I may be able to use, please let me know ASAP. I had a Providian credit card sometime around 1998 and neglected to maintain the account as I should have. Anyway, in 2004 I decided to buy a house. Before doing so I had to clear up delinquent items on my credit report. One of the items on my credit report was this First Select, Credigy stuff. I tried to make contact with them as I did with everyone and got nowhere. The telephone number was no longer in service. I called information trying to get information - - - to no avail. Finally, as closing drew near, I had to show the mortgage company where I had made contact with everyone and settled accounts. I provided them all of the information where I tried to make contact with these people. The attorney's office verified all of this information and I had to provided them with a check to pay these First Select folks. The check came back to the attorney's office within a week or so. They held it for several weeks and then satisfied that due diligence had been applied! on our part, they returned to money to me. Well, here we are in 2007 and I am trying to sell my house. So, guess what my Realtor just found out??? Yea, these First Select folks have a $2,382.74 lien on my house and now the bank will not approve the sale of my house. I can not freakin' believe this! How is it that they can do these things but there is no valid contact information for us to use in an effort to resolve these issues?!? I just don't get it. If any one of you have any information that I may be able to use to contact these people, please let me know. Thanks!
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	M. Borowitz Pa. EmailAddress: martty_b@hotmail.com Complaint_against: First Select, Credigy Receivables, Inc. and Stewart & Associates, P.C. Attorneys at Law Complaint: I'm right there with all of you. I didn't believe them from the first Fed Ex delivery that came to me (marked not to be returned to original sender) and eventually they terrified me with legal actions that caused me to send them $1,300.00 before realizing I was right and owed them nothing. I had to close my checking account because I had given them the info to withdraw the money to stop court proceedings and remove the mark from my credit report. Like most of you they are right back at it again now calling and mailing me. This is where you need to go to find out more about how they work and that we are not all crazy. he gives you a "cease all contact" form to fill out and send to them. It is legal and it works.I think you will be shocked to see how MANY places are doing this exact same scam. It is mind blowing but real.No matter what I will NOT give another penny to Stewart & Associates. I'm so angry all over again. Those people are rediculously mean and scream into the phone at you. After finding this page lastnight I was fuming and emailed budhibbs at 3am to let him know to bump these particular scavengers back up on the list because they are back in it full force. Hope this helps someoneM. Borowitz
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	martha chadwick, mo 65629 EmailAddress: martha65631@yahoo.com Complaint_against: Credigy Receivables-First Select Inc Complaint: I guess I am where everyone else is. I got a new credit report and guess who was on it, Credigy Receivables, First Select Inc. The account was opened in 2002, NOT! and now owing 14,690, for what. I have no ideal what this is on and there is not a phone number to contact this company. I have been disputing this plus some more for 60 days now, with not much luck. If any one has a phone number on this company, I sure would appreciate it. I also have the same problem with a Pinnacle Credit Services and Palisades Collection.
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	Toubee Yang EmailAddress: toubee@sbcglobal.net Complaint_against: Homecoming Bank, First Select and Credigy Receivables Inc. Complaint: I never had this account or any bills from Homecoming Bank, First Select or Credigy Receivable. One day on August 17, 2007, Credigy staff called me early in the morning about 7:20am and stated that i owed them about 1,200.00. I asked them nicely that what was about and that particular person said i owed Homecoming Bank 1,200.00 and how am i going to pay for it. I told them that they had the wrong person, i had never heard about Homecoming Bank and First Select. I told them i want to know how they got my number and called me. The person didn't want to anwer and kept saying that how do you want to pay for this account. I told the guy that you're ruding my breakfast and wasted my time i need to get ready to go work, then i hung-up on him. Next morning one of the lady called from Credigy on the same time again and said the samething. I was rushed to go work and i didn't have time to talk to her. I let my wife talk to her and my wife told me that she requested to talk with her supervisor. The supervisor told me wife the samething; my wife said that once again, we didn't have such account like that. A week later, Credigy sent me a package for me to answer them. I wrote a letter to Credigy that i didn't have such account like that with Homecoming Bank and never heard them and i would like to have a copy of original account and application from wherever they got the information from. Credigy only sent me the original Creditor, which is Homecoming Bank and First Select. What should i do right now? I checked Homecoming Bank's address that credigy gave to me, it didn't exist anymore. Notice that i bought my house in 2002 and none of this account was in my credit and Credigy people claimed that i opened this account in March 9, 1996. How could that be? If anyone has any advise please help me out. Thank-you so much
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	Joe New Jersey EmailAddress: djjoeyligz@yahoo.com Complaint_against: First Select Corp. Complaint: Well I have done some research and after finding this on my credit report I have to say this. These are the type of ppl that try to go after you either after the 7 year deadline is up or just before. Here's a little tip, if your account was closed as of 7 years ago. Doesn't matter if it was sold to someone else or not. YOU DO NOT HAVE TO PAY. THEY CANNOT LIST THIS ON YOUR CREDIT REPORT! 7 years after a charge off it is dropped off your credit report. IF you pay them, guess what, reopens your account and your stuck with it till you pay it off. If you don't you can simply write them a letter stating. This debt was charged off and is beyond the 7 year deadline and you are asked to cease and desist from any and all attempts to collect on this old debt. If they continue to harras you. Contact a lawyer, have them send a letter, and if they still try, guess what. LAWSUIT. Alot of debt buyers are trying to collect old debt from people that are not knowledgable! about the laws with debt collection. You pay in good faith when actually your just screwing yourself. I have conacted them stating that this is an old debt and they have no legal action against me and if they do I will seek legal council. I also told them that they must remove this from my credit report as its not legitimate. As far as contacting the credit bueros I wouldn't bother. They don't even check. Its a joke when you contact them saying its not your debt and they go, well yep its verified. They only contact the debt collecter and ask, and they say yep they owe us money and thats it. They just don't care, its not their credit thats getting screwed. Just keep this in mind. Remember, you may owe them thousands of dollars but usually its more economical to contact a lawyer and in the end prolly cheaper.
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	UPSET IN FLORIDA!!!!! EmailAddress: richaie@hotmail.com Complaint_against: First Select Inc. Complaint: About several months ago I recieved a call at my parents' home from a lawyer's office stating that I owe money to a company called "Fleet Bank Visa". I told him I've never heard of the company nor have I ever had anything to do with them, now and during my marrige(now divorced). When I asked the guy who they (Fleet Bank)were, he just kept asking me how I was going to pay the account, over and over again without answering my quetions. After a few times of going through this, he then asked me if my last ssn# was 5507. I replied "NO, it is not" and I heard him say "Oh God, I have the wrong guy" and hung up without saying sorry or anything. He then called my cell phone and started the conversation the same way as before. Again, I asked him who Fleet Bank were, and still again no answer. I then reminded him he just spoke with me on my parents' phone and he hung up. Now, just a couple weeks ago I received a letter that was mailed to my parents' home, which I do not resided there for over 14 years, from a law firm in Delray Beach with a final judgement attached to it from First Select Inc. I have no idea who First Select Inc. are and by the looks of this web site, there are many people in the same boat as I am. Count me in if anyone decides to file a class actin lawsuit against these people. I talked with my x wife last night and she told me that any credit cards we had when we were married are off her credit report. First Select was not on there. I hope some good comes out for all of us.
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	Amelia Naranjo Kearny ,nj 07032 EmailAddress: newyorker6@hotmail.com Complaint_against: First Select and Credigy Complaint: As everyone else on this site i too have had to deal with First Select . i originally had a discover card and when it was not paid on time it was sold to First Select. In turn since i was not able to pay First Select on time either they filed a judgement . I was finally able to pay off the debt but had to literally call them every day till they sent the proper paperwork to the court for satisfation of the judgement . After all that now six months later i receive a letter from credigy collection agency saying i still owe them money . When i spoke with them they stated that they were not informed that the debt was paid. I had to fax them the satisfation of judgement and still call to make sure they received it and to get some sort of acknowledgement that the debt is cleared. After many arguements and run arounds i still have not been given any acknowledgement of the debt being paid off from Credigy. These companies are fast to charge the money but not to acknowloedg! e the mistakes they have committed . Nobody there knows what they are doing and are clueless. Something must be done against these companies.
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	getting messed with EmailAddress: inotdickersson@msn.com Complaint_against: First Select Complaint: I received a phone call for a Mr Chapman stating he needed a stament from me on an investigation #0000000 to please return call. I returned his call to find out i owed First Select over $12,00 on an acct I was not aware of. Found out they bought my acct from Discover card whom had charged off this acct May 2002 with a bal of $5497. I was threatened with lawsuit and wage garnishments. I thought once an acct was charged off it was gone. Any infor regarding this will be greatly appreciated.