• Report: #288967

Complaint Review: PALISADES COLLECTIONS

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  • Submitted: Tue, December 04, 2007
  • Updated: Fri, December 07, 2007

  • Reported By:Sandy Oregon
PALISADES COLLECTIONS
210 Sylvan Ave Engewood Cliffs, New Jersey U.S.A.

PALISADES COLLECTIONS, LLC Unprofessional Collector Engewood Cliffs Pennsylvania

*Author of original report: AT&T Management Dept. I RECEIVED THE CALL AGAIN TODAY!!

*Consumer Comment: I Think You're Wasting Your Time With AT&T

*Consumer Comment: Interesting deduction

*Consumer Comment: I CALLED AT&T **The phone number listed on the copy of the billing WAS GOOD!!

*Author of original report: I HAVE NEVER HAD AN ACCOUNT WITH AT&T.... PALISADES HAD MADE ME THEIR VICTIM!!

*Author of original report: I HAVE NEVER HAD AN ACCOUNT WITH AT&T.... PALISADES HAD MADE ME THEIR VICTIM!!

*Author of original report: I HAVE NEVER HAD AN ACCOUNT WITH AT&T.... PALISADES HAD MADE ME THEIR VICTIM!!

*Author of original report: That Phrase

*Consumer Suggestion: Paula, TOO MUCH information! And, stay off the phone!!

*Consumer Comment: Kind of confused....

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For: $394.12 PALISADES HAS BEEN HARRANGING ME FOR A DEBT THAT IS NOT EVEN MINE!! This is the letter I just sent them, certified-return requested

Dear Debt Collector AND/OR Debt Collector Attorney, Dispute Department. YOU have the wrong Paula J connected to this debt. This is but one of many correspondences I have sent, besides all the phone calls to you and yours.

I have NEVER had an AT&T wireless account EVER!
I have NEVER lived at the address that is connected to this dept. I have lived in Sandy, Oregon since 1997. I have repeated to you too many times. I can not believe you have ignored my pleas, phone calls, faxes, letters!
The last person whom I spoke with told me I would be removed as THE , now I receive another letter stating I requested Validation??? What is going on in your business??

This debt you claim is not me, I am I, my co workers , family and friends did a bit of investigating and there are MANY Paula J in this state. I have NEVER had an AT&T Wireless Phone thus yo have connected the WRONG ONE to your debt!!! I no longer know how to help you understand as I have made numerous phone calls, yes giving you the SS digits you requested for fast help, only to be put on hold for hours, and to no avail. I have always been polite and considerate of this error on your part. I have Faxed, sent letters and made numerous phone calls to you on several occasions to let you know that I am NOT the one you are looking for but you are apparently persistent and DONT CARE YOU HAVE THE WRONG PERSON, THAT IS BECOMING OBVIOUS!! This is just crazy and I am at my wits end. I have spent Valuable Time writing letters, sitting on hold and faxing you!!!

PAGE 2 OF 2

I also explained that I called AT&T Wireless, and they tell me you have the wrong Paula J as well I am totally miffed that you dont remove me from your collection process!!

You may send all the validation, debt, billing the fact is ..IT IS NOT ME !!

Debt Collector Attorney, Dispute Department and whom ever this may concern, This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above.
If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.
I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant.

You are also notified that should any adverse information be placed against my/our credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.
Sincerely,



NOTE: This is an attempt to make a debt collector obey the law.Any information obtained, will be used for that purpose.

Attachment and send to as well:

AT&T
5565 Glenridge Connector
Atlanta, GA 30342
Fax: 866.783.9099
AT&T Headquarters
AT&T Inc.
175 E. Houston St.
San Antonio, TX 78205

Paula
Sandy, Oregon
U.S.A.

This report was posted on Ripoff Report on 12/04/2007 05:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/PALISADES-COLLECTIONS/Engewood-Cliffs-New-Jersey-07632/PALISADES-COLLECTIONS-LLC-Unprofessional-Collector-Engewood-Cliffs-Pennsylvania-288967. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Author of original report

AT&T Management Dept. I RECEIVED THE CALL AGAIN TODAY!!

AUTHOR: Paula LH - (U.S.A.)

Hi all!! I am estatic!! The call came this am and she told me, "she has done the investigation" She stated that AT&T Mangagement will buy back that account from Palisades, (as it seems that will be the only way to stop them is my assumption). She said this may take up to 2 months or so to complete.
I dont think she is giving me lip service, I feel she is genuine and being honest.

I curiously asked her "will they be persuing the real owner of this debt?" She said she couldnt say. I then said "Is that because it is NOT MY ACCOUNT and you cant give me any information?" She said yes.

She told me she would call me soon!
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#2 Consumer Comment

I Think You're Wasting Your Time With AT&T

AUTHOR: Jim - (U.S.A.)

At this point, AT&T has sold your debt to Palisades Collection. They've collected what they can from Palisades. I personally think you're getting lip service from AT&T, but that's just me. You may be dealing with this until the Statute of Limitations on this runs out in several years; heck it may already have run out.
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#3 Consumer Comment

Interesting deduction

AUTHOR: Paula LH - (U.S.A.)

Another fact that is interesting, is that my credit report has never listed
AT&T as a debtor (of course not, I have never had an account with them, ever!) But, surely if someone didnt pay their debt, that bad debt, late pay or whatever would certainly be placed on thecredit report , back when whomever didnt pay, before it was turned into collections, would it not??!!
Plus Palisades is not on my report either!! I have excellent credit!!

I told AT&T that I believe that they AT&T, has it on the rightfull owner of this debt.. credit report (that is why it is not on mine),

Palisades cant do anything to my credit as they dont have my FULL SS# Plus the billings they think are mine are not!

I did note however that AT&T Management were being a bit more careful on what they were telling me. She did say that once she looked into this further and spoke with Palisades, she would mail me a verification that clears me.
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#4 Consumer Comment

I CALLED AT&T **The phone number listed on the copy of the billing WAS GOOD!!

AUTHOR: Paula LH - (U.S.A.)

<
I first spoke with AT&T call center, who found my story intreging. She then , placing me on hold a couple times after asking me a few questions... gave me to Accts receivable whereas another lady asked me questions, AND FOUND THE ACCOUNT ON HER COMPUTER... The last question she asked was the last 4 numbers of my SS. number. Once I gave that to her, I asked her "Please, Send me a copy of the entire file" (I asked that on purpose just to see) She told me she could not as it was not my file" So, my SS didnt match!!! (Just like 2 years ago when I called the girl then told me Palisades had the wrong person, after I gave her the last 4 numbers of my SS).

Accts Receivable assigned me a number and told me she would have Management call me.

I received this call as well!!! Now the management lady told me she will call me back in a few days. That she is the person assigned to me to help clear this all up.

Conclusion thus far is... now they need to figure out how to gently tell PALISADES COLLECTIONS LLC, That they are harrassing "THE WRONG PERSON"...

Also will be interesting as to how they attached the last 4 numbers of MY SS to their file ... I believe one of the Palisades agents fraudulently put the numbers on that file that I volunteered in the very first placed uring the first phone call two years ago (before I found out they are tricksters and cheaters).

I will keep updating here after AT&T does what they can do.
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#5 Author of original report

I HAVE NEVER HAD AN ACCOUNT WITH AT&T.... PALISADES HAD MADE ME THEIR VICTIM!!

AUTHOR: Paula LH - (U.S.A.)

Confused John, I am a Victim of Palisades Collections, LLC
They have forced me to deal with them for the past few years, I had NO CHOICE!!
I have tried to work with them with a positive and optimistic attitude, all the while thinking this cant be true THESE PEOPLE REFUSE TO UNDERSTAND THAT I AM THE WRONG PERSON!! Now, I dont want to deal with PALISADES COLLECTIONS, LLC anymore...as they are either of low intelligence or not trained well enough to know the difference between right and wrong, even when it is right in front of their faces... I believe their collection agents just dont give a damn... really and truely! They are there to make there quotas... money and refuse to understand.... thats it ! I want to try and deal with the original debtor of this debt as they sold it to Palisades. I called AT&T when I first received this notice and they told me Palisades has the WRONG PERSON, even though I called Palisades and told them to call AT&T, they tell me they dont do that and continues to harrange and harrass me with billing letters.

I truely believe PALISADES COLLECTIONS, LLC expects "THEIR VICTIM" to pay!
Although I have heard THEIR ARE OTHER VICTIMS who did pay just to stop the nightmare and stress, and then they found it was an admission of an extremely late bill. I have chosen the stance of "THIS VICTIM WILL NOT PAY"
AS I HAVE NEVER ... EVER HAD AN AT&T ACCOUNT IN MY LIFE... NOW, NOR WILL I EVER! AT&T better help me get PALISADES COLLECTIONS,LLC away from me!
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#6 Author of original report

I HAVE NEVER HAD AN ACCOUNT WITH AT&T.... PALISADES HAD MADE ME THEIR VICTIM!!

AUTHOR: Paula LH - (U.S.A.)

Confused John, I am a Victim of Palisades Collections, LLC
They have forced me to deal with them for the past few years, I had NO CHOICE!!
I have tried to work with them with a positive and optimistic attitude, all the while thinking this cant be true THESE PEOPLE REFUSE TO UNDERSTAND THAT I AM THE WRONG PERSON!! Now, I dont want to deal with PALISADES COLLECTIONS, LLC anymore...as they are either of low intelligence or not trained well enough to know the difference between right and wrong, even when it is right in front of their faces... I believe their collection agents just dont give a damn... really and truely! They are there to make there quotas... money and refuse to understand.... thats it ! I want to try and deal with the original debtor of this debt as they sold it to Palisades. I called AT&T when I first received this notice and they told me Palisades has the WRONG PERSON, even though I called Palisades and told them to call AT&T, they tell me they dont do that and continues to harrange and harrass me with billing letters.

I truely believe PALISADES COLLECTIONS, LLC expects "THEIR VICTIM" to pay!
Although I have heard THEIR ARE OTHER VICTIMS who did pay just to stop the nightmare and stress, and then they found it was an admission of an extremely late bill. I have chosen the stance of "THIS VICTIM WILL NOT PAY"
AS I HAVE NEVER ... EVER HAD AN AT&T ACCOUNT IN MY LIFE... NOW, NOR WILL I EVER! AT&T better help me get PALISADES COLLECTIONS,LLC away from me!
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#7 Author of original report

I HAVE NEVER HAD AN ACCOUNT WITH AT&T.... PALISADES HAD MADE ME THEIR VICTIM!!

AUTHOR: Paula LH - (U.S.A.)

Confused John, I am a Victim of Palisades Collections, LLC
They have forced me to deal with them for the past few years, I had NO CHOICE!!
I have tried to work with them with a positive and optimistic attitude, all the while thinking this cant be true THESE PEOPLE REFUSE TO UNDERSTAND THAT I AM THE WRONG PERSON!! Now, I dont want to deal with PALISADES COLLECTIONS, LLC anymore...as they are either of low intelligence or not trained well enough to know the difference between right and wrong, even when it is right in front of their faces... I believe their collection agents just dont give a damn... really and truely! They are there to make there quotas... money and refuse to understand.... thats it ! I want to try and deal with the original debtor of this debt as they sold it to Palisades. I called AT&T when I first received this notice and they told me Palisades has the WRONG PERSON, even though I called Palisades and told them to call AT&T, they tell me they dont do that and continues to harrange and harrass me with billing letters.

I truely believe PALISADES COLLECTIONS, LLC expects "THEIR VICTIM" to pay!
Although I have heard THEIR ARE OTHER VICTIMS who did pay just to stop the nightmare and stress, and then they found it was an admission of an extremely late bill. I have chosen the stance of "THIS VICTIM WILL NOT PAY"
AS I HAVE NEVER ... EVER HAD AN AT&T ACCOUNT IN MY LIFE... NOW, NOR WILL I EVER! AT&T better help me get PALISADES COLLECTIONS,LLC away from me!
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#8 Author of original report

That Phrase

AUTHOR: Paula LH - (U.S.A.)

Why would you read the above and think Paula is quilty... you sound like Palisades Collection Agent. Like they, you have plucked out one sentence of the entire statement and choose to debate it and not obsorb the whole of this attack on an innocent upstanding citizen.

Explaination: Because Paula has spent a couple years trying to help Palisades Collections, LLC understand that she has NEVER had an account with AT&T and they just will not listen. She has recruited her family, friends and work associates to watch over her letters. faxes and phone calls. as helpers and witness.
It is like their employees "collection agents" of Palisades, dont care if they have the wrong person. The innocent have to plea and plea with no resolve.
Thus, she does not want to deal with the Collection Agency atall, anymore!! She wants to deal with the orignial business who sold this to Palisades so that theyc an clear this up! She wants the original business AT&T to force Palisades to remove her "the wrong person" from their collections procedure.
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#9 Consumer Suggestion

Paula, TOO MUCH information! And, stay off the phone!!

AUTHOR: Steve - (U.S.A.)

Paula,

First of all, under no circumstances should you ever speak to any third party debt collector on the phone. NEVER for any reason! Do everything in writing, and NEVER sign anything sent to a debt collector as your signature will most likely end up on a contract!

Second, NEVER give a debt collector / JDB any personal, banking, or employment information! You gave the last 4 of your SS#. NEVER do this!!

The entire burden of proof is ON THEM to prove that you owe the debt. You NEVER have to prove that you don't.

Third, the "original creditor" is TOTALLY out of the picture, and should NEVER be contacted! This can only make things worse for you.

Now, keep this letter short and sweet. send it by certified mail, return reciept requested. be sure to put the certified# on the letter itself, and keep a copy for your records. This proves exactly what you sent.

In this letter, only provide info to them that they already have, nothing more, and do not sign the letter, just print.

Respond only to the return address they provided on the collection letter.

Inform them that this is a final notification to cease all collection efforts on this alleged debt as it is not yours. Also demand that any credit reporting be removed immediately.

Inform them that failure to comply immediately will result in an immediate lawsuit and possible criminal fraud charges as applicable.

Demand a copy of whatever signed contract they have with your signature on it that created the alleged debt as well as a full account history and itemization of charges. Inform them that they will need this in court, and they should have had it before ever contacting you.
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#10 Consumer Comment

Kind of confused....

AUTHOR: John - (U.S.A.)

why would you say this if you are not the one they are looking for?

"I/We have decided that we do not desire to work with a collection agency under any circumstances. I/We will contact the original creditor to resolve this matter directly, as circumstances warrant"

And who is "we"? You kind of gave them an opening that you may in fact be who they are looking for. If you weren't, there would be no need to work with them or any original creditor as YOU would not have an original creditor to work with.
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