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Original purchase


Original dispute


Providian’s Reply


More disputes


More Replies from Providian


Angry phone calls to Providian


Angry phone calls Page 2


Not so angry phone calls


Consequences of Providian Financial screwing with me


Index of Documentation


Index of Recorded Telephone Calls


AbTronic - Scam or not a scam?


Links, Links and more Links!


Index of Documentation


Providian Reply Card:
Original reply card that started this whole mess

Providian Account Agreements and Updated Account Agreements:
Original paperwork that came with the card (dated 09/99 outside)

Original paperwork that came with the card (dated 09/99 inside)


First Update to Account Agreement (dated 05/01 pg 1)

First Update to Account Agreement (dated 05/01 pg 2)


Second Update to Account Agreement (dated 12/01 pg 1)

Second Update to Account Agreement (dated 12/01 pg 2)


Third Update to Account Agreement (dated 04/02 pg 1)

Third Update to Account Agreement (dated 04/02 pg 2)


Providian Privacy Policy pages 1 and 8 (dated 02/03)

Providian Privacy Policy pages 2 and 3 (dated 02/03)

Providian Privacy Policy pages 4 and 5 (dated 02/03)

Providian Privacy Policy pages 6 and 7 (dated 02/03)


Fourth Update to Account Agreement (dated 06/03 pg 1 and 8)

Fourth Update to Account Agreement (dated 06/03 pg 2 and 3)

Fourth Update to Account Agreement (dated 06/03 pg 4 and 5)

Fourth Update to Account Agreement (dated 06/03 pg 6 and 7)


Providian Billing Statements:
Statement #1 dated Oct 09, 2001

Statement #2 dated Jan 07, 2002

Statement #3 dated Apr 08, 2002

Statement #4 dated Jul 08, 2002

Letters from Providian:
Letter #1 dated Dec 06, 2001

Letter #2 dated Jul 24, 2002

Letter #3 dated Sep 17, 2002

Written Dispute Documentation:
Web Site submitted Dispute #1 in Nov 2001
(no copy available)


Web Site submitted Dispute #2 in Feb 2002
(no copy available)


Hard Copy Dispute #1 dated Feb 02, 2002

Hard Copy Dispute #2 dated Jul 15, 2002

Hard Copy Dispute #3 dated Sep 27, 2002

Written Documentation sent to Providian:
Settlement offer TO Providian BY me dated April 29, 2003

Copy of check sent with letter above

My final communication with Providian dated August 5, 2003

Copy of check after acceptance

Email to/from Providian:
Email Archive on Providian Site (various dates)

Written Documentation sent to the Authorities:
Complaint Letter to the OCC dated August 5, 2003

Copies of this compaint also sent to all of the following:



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