Report: #437297

Complaint Review: First USA Bank - Palisades Collection LLC

  • Submitted: Tue, March 24, 2009
  • Updated: Wed, March 25, 2009
  • Reported By: Princeton North Carolina
  • First USA Bank - Palisades Collection LLC
    P. O. Box 15298
    Wilmington, Delaware
  • Phone:
  • Web:
  • Category: Banks

First USA Bank - Palisades Collection LLC First USA Bank, Palisades Collection LLC is trying to collect on a credit card debt that was paid in 2000! Wilmington Delaware

*Consumer Comment: What to do

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In April, 2000, in order to close on my home, I had to pay First USA for a credit card debt that was charged off in 1993. The receipt was given to my attorney at that time. The charge-off eventually came off my credit report. In 2006, I started receiving collection letters and phone calls from Palisades Collection LLC for this bill again through various collection agencies.

I tried to explain the situation to them. I was told that if I couldn't produce the receipt that I must pay it again. Who keeps receipts that long? Frustrated, I called my local Attorney General, who told me to just ignore the letters. Since it came off my credit report, they could not legally put it back on. I sent them a letter explaining what the Attorney General said, yet 3 years later I am still getting collection notices and harrassing phone calls!

It should be illegal to try to collect debts that have passed the statute of limitations. I have had the same mailing address for 20 years, and the same phone number for 9 years. If I truly owed this bill, why did it take them 6 years to contact me again? I've been here the entire time! They know that this bill has been paid, but they are using harrassment to try to shake me down again. I know that some people fall for it, which is a shame, because it is nothing but a scam!

Princeton, North Carolina
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This report was posted on Ripoff Report on 03/24/2009 06:27 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

What to do

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

What you need to do is send them a registered mail notice that they must produce a Validation of Debt for this amount. Beyond that they are to cease and desist collection efforts under the provisions of FDCPA.

They have (I think) 30 days to come up with proof that you owe this money, and they almost certainly cannot. After that, if they contact you they are in violation of law, and potentially you could collect some money from them.
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