I, too, have had nothing but problems since my Providian card was sold to this horrible compnay, SST. I never received any notices that my account was sold until I tried to make a payment online & was unable to access my account. From that point on, I have had nothing but problems. My account was fine the whole time that I had Providian & was on the way to being paid off. I closed the account in 2004 before SST even took the account over & after not having used this card in nearly 4 years now, the balance has just increased. How can that be possible? It all started when they first took over my account & I could no longer access my online account. By the time I found out who they were & that I had to get a new account online made up, my payment was late. Ever since, I've been assessed some fee for something & the balance keeps going up! It's now over $1,000. How does that happen on a card that is closed & hasn't been used in nearly 4 years?? I've recently contacted the BBB, but SST just lies & says that any fees incurred are justified. With this company, your balance will never get paid off. I've read that even when balances are paid off, consumers still keep getting bills for bogus finance charges! I'm preparing a case against SST to submit to the Attorney General's office. I suggest that everyone else do the same