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... read full review »