
	Where results make sense

Topic: Providian Financial Corporation

	Providian Financial Corporation Announces Second Quarter Results
		Providian increased loan loss reserves to $1.26 billion in the second quarter, representing 10.06% of reported loans versus 9.15% at the end of the first quarter of 2000.
		Providian's risk-adjusted margin was a strong 16.67% in the second quarter of 2000 excluding one-time events.
		San Francisco-based Providian Financial Corporation (http://www.providian.com) is a leading provider of lending and deposit products to customers throughout the United States and offers credit cards in the United Kingdom.
	www.prnewswire.com /cgi-bin/stories.pl?ACCT=104&STORY=/www/story/07-20-2000/0001270290&EDATE= (1032 words)

	Providian Financial Corporation (Site not responding. Last check: 2007-11-05)
		Providian agreed June 28, 2000 to a demand from bank regulators to reimburse its customers a minimum of $300 million for misleading and improperly billing them.
		Providian signed a joint agreement with the federal Comptroller of the Currency, the attorney general of California and the San Francisco district attorney’s office.
		Providian focuses its marketing on the growing number of Americans who have credit problems and is known for its sophisticated use of databases in singling out potential customers.
	www.urielw.com /deception3.htm (609 words)

	Weiss & Yourman - Providian Complaint
		Providian Financial Corporation today announced that it is revising its 2001 earnings guidance to $3.20 to $3.25 per diluted share, representing a 17% to 19% increase over 2000 earnings per share before one-time adjustments.
		These financial statements and the statements about them were false and misleading, as such financial information was not prepared in conformity with GAAP, nor was the financial information a fair presentation of the Company's operations due to the Company's improper accounting for its investment in Providian, in violation of GAAP and SEC rules.
		Providian ultimately admitted in a press release responding to the rumors that, in fact, it changed its bankruptcy policy 12 days prior to the end of second quarter 2001.
	www.wyca.com /complnts/pvn-com.htm (5592 words)

	Preface- Statement of the Problem: (Site not responding. Last check: 2007-11-05)
		Providian Financial Corporation is a public corporation (listed on the New York Stock Exchange and the Pacific Exchange under the symbol PVN) and is based in San Francisco, California.
		Providian operated as a wholly owned subsidiary of Providian Corporation until June 10, 1997, at which time all of the then outstanding shares of common stock of the Company were spun off to the stockholders of Providian Corporation.
		In addition, Providian’s corporate culture places high importance on customer satisfaction and quick response time to the customer’s needs, and therefore, it is necessary to upgrade the HR systems quickly so that the company can continue to provide the same level of service.
	wings.buffalo.edu /academic/department/som/isinterface/mgs602fall00/Providian.htm (4657 words)

	Providian Financial Corporation Announces a Record Quarter (via CobWeb/3.1 planet03.csc.ncsu.edu) (Site not responding. Last check: 2007-11-05)
		SAN FRANCISCO, April 25 /PRNewswire/ -- Providian Financial Corporation (NYSE: PVN) today announced record first quarter net income of $174.3 million, or $1.20 per diluted share, an increase in net income of 54% over $113.5 million, or $0.78 per diluted share, for the first quarter of 1999.
		Providian added 700,000 net new accounts during the first quarter of 2000 bringing total customer accounts to 13.1 million, an increase of 4.1 million accounts, or 45.6%, over total customer accounts at the end of the first quarter of 1999.
		Consistent with Providian's goal of long-term sustainable growth and as indicated by the $499.1 million in non-interest expenses, investment in newer initiatives continued at a strong pace in the first quarter of 2000.
	www.prnewswire.com.cob-web.org:8888 /cgi-bin/stories.pl?ACCT=105&STORY=/www/story/04-25-2000/0001199843 (1024 words)

	AEGiS-PRn: Providian Financial Announces $20,000 Grant to Support the Pediatric HIV Quality of Life Gift Fund
		Providian's donation, the largest single donation in the history of the Fund, ensures that patients will continue to receive gifts on their birthdays, school supplies for continued study, clothes, and other basic needs that promote a sense of normalcy in their lives.
		Providian Financial is the sixth largest bankcard issuer in the United States and also offers home equity loans, high yield money market deposit accounts, and certificates of deposit.
		San Francisco-based Providian Financial Corporation (http://www.providian.com) is a leading provider of lending and deposit products to customers nationwide and also offers credit cards in the United Kingdom.
	www.aegis.com /news/PR/1999/PR991208.html (860 words)

	[No title]
		The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes.
		The notes to the financial statements contained in the Company's Annual Report on Form 10-K for the year ended December 31, 1999 should be read in conjunction with these condensed consolidated financial statements.
		The United Kingdom branch of Providian National Bank is a party to a sterling denominated 364-day line of credit in the amount of (pound)25 million ($39.9 million equivalent based on the exchange rate at March 31, 2000), under which short-term borrowings are available for general corporate purposes.
	www.sba.uconn.edu /users/jgolec/providian10Q.htm (8899 words)

	Providian Places Order with Oberthur for Smart Visa Cards (Site not responding. Last check: 2007-11-05)
		Providian, which issued its one millionth smart Visa card in June 2001, is one of the first banks in the United States to issue smart Visa cards.
		"Providian is a clear leader in the Smart Visa push and is building strong ties to its existing customers while paving a road to a new generation of Visa customers," noted Philippe Tartavull, president & CEO of the American division of Oberthur Card Systems.
		Providian Financial has been named one of America’s Most Admired Companies in a survey by Fortune magazine, one of the nation’s top financial institutions by U.S. Banker magazine, and one of the most technologically innovative companies in the U.S. by Information Week magazine.
	www.oberthurusa.com /press-releases-10-11-providian.asp (512 words)

	Providian - Wikipedia, the free encyclopedia
		Providian Financial Corporation was one of the leading credit card issuers in the United States.
		In October, 2005 Providian was sold to Washington Mutual for approximately $6.5 billion.
		Providian was a company that sold credit in the "subprime market." People in that market are those who can't get credit cards from the major companies.
	en.wikipedia.org /wiki/Providian (623 words)

	Rein v. Providian Financial Corporation
		Providian asserts that a discharge exempting the Providian Debt was subsequently granted on June 19, 1997.
		Settlement agreements were entered into by and between Providian and Rein, Croces, and Driscoll in compromise of the adverse proceedings filed by Providian.
		Providian filed separate adversary proceedings against Rein, Croces, and Driscoll in the bankruptcy court that was presiding over the particular debtor' s bankruptcy case.
	www.law.com /regionals/ca/opinions/nov/9916346.shtml (3520 words)

	Providian Financial Corporation Announces First Quarter 2005 Earnings Conference Call and Upcoming Conference ...
		The earnings release and accompanying financial information will be released on that day after market-close and, together with the conference call script, will be available on the Company's web site.
		San Francisco-based Providian Financial Corp. (www.providian.com) is a leading provider of credit cards to mainstream American consumers throughout the United States.
		By combining experience, analysis and technology, Providian seeks to build long-lasting relationships with its customers by providing products and services that meet their evolving financial needs.
	www.financial-press-release.com /creditcards/credit_card_news1.html (262 words)

	Datamonitor ComputerWire - Providian Financial Corporation - Company News & Research
		Providian Financial (Providian) is a provider of credit cards to customers throughout the US.
		One of America's largest bankcard issuers, Providian has over $7 billion in reported receivables, over $18 billion in managed receivables and approximately 10 million customer relationships.
		For the fiscal year ended December 2004, Providian generated revenues of $2,600 million, a decrease of 7.8% from the previous year.
	www.computerwire.com /companies/company/?pid=C0B6CDFE-9688-4DF2-95BF-78AE630ADFA7 (111 words)

	Providian Financial Sucks - My own personal credit card nightmare
		Providian had a chance to reject my settlement offer.
		Unfair and predatory creditors like Providian Financial Corp, however, discriminate against those of us who do not understand consumer credit laws and how the credit system works.
		Providian employees are among the most ignorant that they have ever dealt with.
	providianfinancialsucks.com /index.html (776 words)

	Providian - Welcome
		Providian is proud to join the Washington Mutual family of companies.
		Find out about FICO scores and what they mean to you.
		information for your financial life, whether it's understanding your FICO
	www.providian.com (55 words)

	Rip Off Report:Providian Financial Corporation Rip-off Very deceptive business practices San Francisco California (Site not responding. Last check: 2007-11-05)
		The other suprise came when I got my bill and I was charged interest on $28,100 and found out it was a 0% APR with a 8 plus percent balance transfer charge.
		Providian is a deceptive company....just read their listing of other unhappy customers.
		If so, you may have unknowingly been injured financially and therefore be entitled to reimbursement of your losses.
	www.ripoffreport.com /reports/ripoff49085.htm (1309 words)

	Providian Financial Lawsuit Attorney \| Lawyer Insiders Allegedly Reaped $22 Million
		Several class actions have been filed against credit card issuer Providian Financial Corporation (NYSE: PVN) and certain of its officers and directors by stockholders who purchased the company's common stock between June 6 and October 11, 2001.The actions claim that the defendants violated federal securities laws by issuing false statements regarding the company's business.
		The company allegedly manipulated its financial statements for the second quarter 2001 and shaved 40 basis points off its second quarter 2001 managed net charge-off rate of 10.3% and boosted reported EPS by $0.06.
		To participate in the settlement, a completed proof of claim postmarked no later than June 21, 2002, must be mailed to the claims administrator, unless the stockholder filed a valid proof of claim in connection with the 2000 partial settlement with SystemSoft Corporation and its officers and directors.
	www.lawcash.com /attorney/1173/providian-financial-lawsuit.asp (809 words)

	Providian Financial Sucks - Latest News
		I told them that if they are willing to settle the account with me for a guaranteed amount of $290.0o -vs- an unknown amount (possibly zero) if I were to include this account in a bankruptcy or something then all they have to do is cash the check.
		I told him that if Providian didn’t want to settle the account for $290.00 to simply send the money back to me. If they are OK with settling for $290 to just cash the check.
		A very cowardly Providian employee who swears he (or she) doesn’t work for Providian sent me an email.
	www.providianfinancialsucks.com /news01.html (318 words)

	Providian Credit Card Class Action
		Lieff Cabraser served as co-lead counsel in a class action filed against Providian Financial Corporation, Providian Bancorp Services, Providian National Bank and Providian Bank on behalf of customers who had one or more credit cards or Capital Cash accounts at any time between March 19, 1995 and December 14, 2000.
		The settlement required Providian to pay over $100 million in cash, credits, and other benefits to the Class, and to stop certain practices that were at issue in the class actions.
		After establishing that it was impossible to distribute $5.9 million of the settlement proceeds to Providian customers, the Court ordered in 2004 a cy pres remedy.
	www.lieffcabraser.com /providian.htm (508 words)

	Providian Renews Contract with Acxiom For Transforming Information into Business Intelligence
		Corporation (NASDAQ: ACXM) today announced a two-year renewal of an agreement to provide customized information management services for Providian Financial Corporation, a San Francisco-based provider of credit cards to mainstream American consumers throughout the United States.
		âProvidian is recognized for combining experience, analysis, technology and outstanding customer service to build long-lasting relationships with its customers, and Acxiom is proud to help them achieve their business and customer service goals,â said Acxiom Company Leader Charles D. Morgan.
		Corporation (Nasdaq: ACXM) announces the availability of InsightIdentify, its anti-identity fraud tool that helps banks, retailers, online merchants and others authenticate consumer identities with a high degree of confidence and minimum effort.
	www.acxiom.com /default.aspx?ID=2776 (333 words)

	CSC: CSC SIGNS IT OUTSOURCING CONTRACT WITH PROVIDIAN October 20, 2003
		Approximately 150 Providian technology employees are expected to transition to CSC beginning Nov. 1, 2003.
		San Francisco-based Providian Financial Corporation (www.providian.com) is a leading provider of credit cards to Middle American consumers throughout the United States.
		By combining experience, analysis, technology and quality customer service, Providian seeks to build long-lasting relationships with its customers by providing products and services that meet their evolving financial needs.
	www.csc.com /industries/financialservices/news/2326.shtml (359 words)

	Providian Financial Sucks! (Site not responding. Last check: 2007-11-05)
		Now I have to admit that the wonderful folks at Providian Financial would call me now and then, usually when I was about to eat, and offer me all kinds of enticements, such as low cost life insurance (sorry, I'm immortal).
		Now, one would think that Providian Financial would have a plethora of unsuspecting targets among those whose credit rating has, at one time or another, hit the proverbial "skids".
		Why, this exalted paragon of commerce and financial transactions even seeks fresh meat among those who do manage to keep their credit rating on an even keel.
	www.attackcat.net /mike/providia.htm (1112 words)

	Providian Financial Corporation (Site not responding. Last check: 2007-11-05)
		Providian Financial is one of the largest independent credit card companies the US, boasting more than ten million account holders.
		Operating through Providian National Bank, the firm issues Visa cards, and to a lesser extent, MasterCard products.
		Washington Mutual is buying Providian for some $6.45 billion.
	www.buyblue.org /node/3648/print (105 words)

	Providian Financial Lawsuit Attorney \| Lawyer 401(k) Plan Participants Recover $8.6 Million from Providian Financial
		The action represents all persons who were participants in or beneficiaries of a Providian 401(k) Savings Plan who had Providian stock allocated to their account between September 30, 2000, and January 1, 2002.
		More specifically, the participants allege that Providian used improper accounting techniques by which it systematically misrepresented its financial results, and consequently inflated its stock.
		They also assert that the company constantly represented to employees that its financial situation was strong and that its stock was likely to increase in value.
	www.lawcash.com /attorney/2082/providian-financial-lawsuit.asp (766 words)

	providian complaints, providian credit cards (Site not responding. Last check: 2007-11-05)
		Aria VISA Credit Card from Providian Financial Corporation Here you will learn why it is in your best interest NOT to get an Aria VISA Credit Card.
		Providian is rated D+ as of 5/28/2003 with 92.8% complaints.
		Intellectual property consisting of the Providian logo and stylized Providian text are either
	pages.zdnet.com /kgowt/providianfinancialpredatorypractices/id2.html (504 words)

	Providian Financial Corporation Careers: Vault Career & Hiring Profiles (Site not responding. Last check: 2007-11-05)
		We annually survey and interview 10,000s of employees and job seekers to bring readers the inside scoop on careers and hiring at top industries and employers.
		Providian Financial Corporation employee surveys are collected by Vault editors, Vault Gold Surveys provide detailed information on careers and hiring at specific employers.
		We provide a free insider career profile on Providian Financial Corporation, based on interviews and surveys of Providian Financial Corporation employees.
	www.vault.com /career-company/Providian-Financial-Corporation.html (470 words)

	MARTINO v PROVIDIAN FINANCIAL CORP - Legal Case Documents
		Plaintiff's information and belief is based on an investigation conducted by his attorneys, including, among other things, a review of the public filings of Defendant Providian Financial Corporation ("Providian" or the "Company"), articles and press releases pertaining to the Company and its business, and other publicly available sources of information.
		This is a securities class action on behalf of all persons who purchased Providian stock from June 6, 2001 to October 18, 2001 (the "Class Period).
		During the Class Period, Defendants made materially false and misleading statements to the investing public about the Company's financial results and prospects for the second and third quarters of 2001, and concealed material facts regarding the Company's change in policy and procedure for writing-off receivables for customers that filed for bankruptcy protection.
	www.legalcasedocs.com /120/254/171.html (549 words)

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