• Report: #173472

Complaint Review: Palisades Collection

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  • Submitted: Thu, January 26, 2006
  • Updated: Fri, January 27, 2006

  • Reported By:Lincoln Rhode Island
Palisades Collection
87 S COMMERCE WAY STE 70 BETHLEHEM, Pennsylvania U.S.A.

Palisades Collection ripoff scam BETHLEHEM Pennsylvania

*Consumer Comment: two acts of congress that protects consumers from these bottom feeders

*Consumer Suggestion: Precious, this is very easy to deal with

*Consumer Suggestion: Precious, this is very easy to deal with

*Consumer Suggestion: Precious, this is very easy to deal with

*Consumer Suggestion: Precious, this is very easy to deal with

*Author of original report: Palisades Collection, LLC

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I had an AT&T Wireless account in 1999-2000. It has since been closed and apparently they are claiming that I owe $349. I received nothing from AT&T Wireless at all in the past 6 years until August 2004 when I was going through my credit reports.

I called all credit bureaus to dispute this claim. I have tried to no avail to contact this company and all you get is a recording; all 3 bureau keep telling me that this company is validating the debt which i have refused to pay, because i knew my account was cleared with AT&T before I disconnected my service.

At this time either of the bureaus are helping and this is damaging my report; I recently obtained a copy of my Credit Report and found that this company is still reporting me. How can I be owing $349 for 6 years? This is all a SCAM!

Precious
Providence, Rhode Island
U.S.A.

This report was posted on Ripoff Report on 01/26/2006 08:10 PM and is a permanent record located here: http://www.ripoffreport.com/r/Palisades-Collection/BETHLEHEM-Pennsylvania-18017/Palisades-Collection-ripoff-scam-BETHLEHEM-Pennsylvania-173472. 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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0Author 6Consumer 0Employee/Owner
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#1 Consumer Comment

two acts of congress that protects consumers from these bottom feeders

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

You can sue them under the provisions of the FCRA and FDCPA, the two acts of congress that protects consumers from these bottom feeders, getting $1000 for each violation, including the negative marks on your credit report. You can get Palisaides, and you can get the credit bureaus if they refuse to investigate disputes in the required timeframe. Bud Hibbs has a website that can help you out with these idiots. its budhibbs.com.
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#2 Consumer Suggestion

Precious, this is very easy to deal with

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

First of all, NEVER do any of this over the phone! Phone calls DO NOT protect your rights, and they never existed if this ever goes to court.

All communications MUST be sent by cerified mail, return reciept requested, and put a copy of the certified# on the letter itself. Keep a copy of any letter sent for your records.

Palisades is a junk debt buyer, and most likely they could not document or prove this debt, so they could not win against you in court and they know it. Debts of this age are purchased in bulk for less than 1 penny on the dollar.

You just need to send this collector a "debt validation" request, where you specifically state that you dispute it in it's entirety because your AT&T account was paid in full and closed. Tell them that you need to see an account history as well as a collections history since the account has been closed.

If you will do this, chances are very good that you will never hear from them again.

Do NOT give these jerks any of your personal information such as SS#, DOB, employment info, etc.. They do not have any rights to this info.

Send a dispute to each major credit bureau stating the acct was paid in full at the time it was closed, and you do not owe them anything. Tell them you want an account history.

And, there is a statute of limitations for action on debt collections. I do not have yours handy at this time, but it should be expired.

Good luck, and STAY OFF THE PHONE!!
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#3 Consumer Suggestion

Precious, this is very easy to deal with

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

First of all, NEVER do any of this over the phone! Phone calls DO NOT protect your rights, and they never existed if this ever goes to court.

All communications MUST be sent by cerified mail, return reciept requested, and put a copy of the certified# on the letter itself. Keep a copy of any letter sent for your records.

Palisades is a junk debt buyer, and most likely they could not document or prove this debt, so they could not win against you in court and they know it. Debts of this age are purchased in bulk for less than 1 penny on the dollar.

You just need to send this collector a "debt validation" request, where you specifically state that you dispute it in it's entirety because your AT&T account was paid in full and closed. Tell them that you need to see an account history as well as a collections history since the account has been closed.

If you will do this, chances are very good that you will never hear from them again.

Do NOT give these jerks any of your personal information such as SS#, DOB, employment info, etc.. They do not have any rights to this info.

Send a dispute to each major credit bureau stating the acct was paid in full at the time it was closed, and you do not owe them anything. Tell them you want an account history.

And, there is a statute of limitations for action on debt collections. I do not have yours handy at this time, but it should be expired.

Good luck, and STAY OFF THE PHONE!!
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#4 Consumer Suggestion

Precious, this is very easy to deal with

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

First of all, NEVER do any of this over the phone! Phone calls DO NOT protect your rights, and they never existed if this ever goes to court.

All communications MUST be sent by cerified mail, return reciept requested, and put a copy of the certified# on the letter itself. Keep a copy of any letter sent for your records.

Palisades is a junk debt buyer, and most likely they could not document or prove this debt, so they could not win against you in court and they know it. Debts of this age are purchased in bulk for less than 1 penny on the dollar.

You just need to send this collector a "debt validation" request, where you specifically state that you dispute it in it's entirety because your AT&T account was paid in full and closed. Tell them that you need to see an account history as well as a collections history since the account has been closed.

If you will do this, chances are very good that you will never hear from them again.

Do NOT give these jerks any of your personal information such as SS#, DOB, employment info, etc.. They do not have any rights to this info.

Send a dispute to each major credit bureau stating the acct was paid in full at the time it was closed, and you do not owe them anything. Tell them you want an account history.

And, there is a statute of limitations for action on debt collections. I do not have yours handy at this time, but it should be expired.

Good luck, and STAY OFF THE PHONE!!
Respond to this report!
What's this?

#5 Consumer Suggestion

Precious, this is very easy to deal with

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

First of all, NEVER do any of this over the phone! Phone calls DO NOT protect your rights, and they never existed if this ever goes to court.

All communications MUST be sent by cerified mail, return reciept requested, and put a copy of the certified# on the letter itself. Keep a copy of any letter sent for your records.

Palisades is a junk debt buyer, and most likely they could not document or prove this debt, so they could not win against you in court and they know it. Debts of this age are purchased in bulk for less than 1 penny on the dollar.

You just need to send this collector a "debt validation" request, where you specifically state that you dispute it in it's entirety because your AT&T account was paid in full and closed. Tell them that you need to see an account history as well as a collections history since the account has been closed.

If you will do this, chances are very good that you will never hear from them again.

Do NOT give these jerks any of your personal information such as SS#, DOB, employment info, etc.. They do not have any rights to this info.

Send a dispute to each major credit bureau stating the acct was paid in full at the time it was closed, and you do not owe them anything. Tell them you want an account history.

And, there is a statute of limitations for action on debt collections. I do not have yours handy at this time, but it should be expired.

Good luck, and STAY OFF THE PHONE!!
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#6 Author of original report

Palisades Collection, LLC

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

This company also use the following address:
Palisades Collection, LLC
210 Sylvan Avenue
Englewood Cliffs, NJ 07632
800) 873-5648
(866) 230-8075
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