Palisades Collection

Review: I have once again received a collection notice about an issue resolved close to 14 years ago. The issue related to an outstanding bill with ATT phone service (which I had where I lived three residences ago in upstate NY). The issue was resolved however, somehow, my name was not removed from a "collection" list. I am guessing this list is sold every few years because in the past 14 years or so, I have received a notice from the Palisades collection agency or some other agency for the same request. although I call and explain the situation or write a letter to the credit agencies to remove this false claim from my credit report, the case never gets closed. It is removed from my credit file and the collection agency stops contacting me but then once again, a few years later, I receive another letter of the same request. The original issue involved a bill to AT& T for $248.21. They ask that I pay half this amount to settle the claim. This was paid long ago (more than 13 years) but crossed with AT & T sending it to collection agency. Somehow my name got on a list that seems to be recycled. While it is a small amount, I see no reason to pay a second time for something I do not owe for the benefit of a collection agency. I have moved three times since this was resolved and no longer have supporting data because of the length of time involved with the claim and because I downsized, room for excess paper is not feasible. (This issue occurred sometime between 1998 and 1999 to the best of my knowledge)Desired Settlement: See Complaint Text

Business

Response:

We are in receipt of your letter regarding the consumer’s complaint. Please be advised that the account with our company has been carefully reviewed and the following are our findings:

Palisades purchased account number [redacted] from [redacted] on or about November 15, '2004. At the time of the purchase, the account balance represented by the original creditor was $248.21.

Please be advised that upon Ms. [redacted]’s initial complaint, we were not able to locate the account and we responded to the complaint. A Copy of the response is attached for your review.

In the spirit of good will a business decision was previously made to close the account with Palisades and cancel the tradeline with the appropriate credit bureaus. (Please realize that Palisades has no control over, and cannot be held responsible for, how long the various credit reporting agencies take to update their information).

Finally, please be assured that every effort is made by Palisades Collection, L.L.C. to ensure that collection practices are properly used and in compliance with state and federal regulations.

Thank you for your kind attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me.

Review: Back in 2006, I took care of an AT&T bill from the early 2000's by going to court in Jefferson Co. The case was dismissed. Palisades then continued to report the debt on my credit report for years as still being delinquent. I had to submit the dismissal to all three agencies for it to be deleted. Every few years, Palisades sells off this bogus debt to a new debt collector and now I am getting a "negociations" from a new debt collector saying I owe over $900 for a debt that was dismissed almost 10 years ago. This is highly illegal and any attempts to collect on a debt that has been adjudicated viotates the FDCPA and this is plain harassment.Desired Settlement: I want them to stop attempting to collect and if they are trying to report on my credit , delete any and all tradelines as being active and permanently close this account.

Business

Response:

Miracle Smith Your File No. [redacted] Our File No. [redacted] Dear [redacted] We are in receipt of your letter regarding the consumer’s complaint. Please be advised that the account with our company has been carefully reviewed and the following are our findings: Palisades purchased account number [redacted] on or about September 20, 2005. The original creditor was AT&T. At the time of the purchase, the account balance represented by the original creditor was $910.39 In the spirit of good will, a business decision was made to close the account with Palisades. Finally, please be assured that every effort is made by Palisades Collection, L.L.C. to ensure that collection practices are properly used and in compliance with state and federal regulations. Thank you for your kind attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I was recently contacted by Convergent Outsourcing on behalf of Palisades Collection offering me a settlement for a past debt that had already been satisfied years ago. I believe the collection is in re: to an AT&T bill of mine from around 2003, in which I was contacted by a collection agency in 2005 or 2006, at which time I settled the debt. Now I don't understand why 7-8 years later I'm being contacted again about said debt? Can you explain this to me?

Client Account # [redacted]Desired Settlement: Stop trying to contact me to collect a debt that has already been paid off.

Business

Response:

Palisades purchased account number [redacted] from AT&T Wireless on or about May 07,2005. At the time of the purchase the account balance represented by the original creditor was $631.11

In the spirit of good will a business decision was previously made to close the account with palisades has no control over, and can not be held responsible for how long the various credit reporting agencies take to update their information.

Finally please be assure that every effort is made by palisades collection llc to ensure that collection practices are properly used and in complaince with state and federal regulations.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: On 07/29/13, I received a letter demanding payment from a collection agency named "[redacted] Collection Bureau, Inc". This letter stated that I owed their client, Palisades Collection, L.L.C., $1,052.22. I corresponded with [redacted] per US Postal mail and notified them that I was disputing their alleged accusations of this debt. I requested that they send me a contract with my signature or any other legal evidence that this debt was mine. On 08/06/13, I received a letter from Palisades Collection, L.L.C stating their verification of this debt. This letter from them states: Original Creditor- [redacted], Previous Creditor-[redacted], Current Creditor- Palisades Collection, L.C.C., Current Balance- $1,052.22 , Account Number- [redacted], Charge Off Date- None noted, Open Date- None Noted. I requested for this debt to be verified by Palisades. This is not verification. They can not even provide me with the date this so called account was opened. The legal statutes of limitations in the State of [redacted] is FIVE years for oral agreements and TEN years for written contracts. This company can not provide me with a written contract with my signature on it. This is unmoral and unethical.Desired Settlement: I am requesting that Palisades Collection, L.C.C. cease collection activity. I request that they remove their entry from my credit report.

Business

Response:

Please be advised that the account with our company has been carefullly reviewed and the following are our findings:Palisades purchased account number [redacted] from [redacted] on or about January 05, 2003. At the time of the purchase, the account balance represented by the original creditor was $1,052.22.

In the spirit of goodwill a business decision was previously made to cancel the tradeline with the appropriate credit agencies. (Please realize that Palisades has no control over, and cannot be held responsible for, how long the various credit reporting agencies take to 'update their information).

Finally, please be assured that every effort is made by Palisades Collection, L.L.C. to ensure that collection practices are properly used and in compliance with state and federal regulations.

Thank you for your kind attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me.

Consumer

Response:

Review: [redacted]

I am rejecting this response until I receive a letter from this company per US Postal mail. I will then accept their proposal.

Regards,

Review: Palisades Collection LLC are trying to collect on a past due account for Verizon Virginia Inc. on a land line. That I do not owe. This collection account was opened in 2003. The first time that I have heard about this claim and collection debt was by mail dated 1/19/2016. I have called both Verizon Virginia & Palisades Collection without any resolve to this problem. They are trying to collect on a debt that is 13 years old. The statue of limitations in Virginia is 5 years.Desired Settlement: I request that this claim be dissolved from my account and not be attached to my credit report or be removed from my credit report if already attached. Also that Palisades Collection or any of its outsourcing agencies cease and desist all contact with me about this claim.

Business

Response:

We are in receipt of your letter regarding the consumer’s complaint. Please be advised that the account with our company has been carefully reviewed and the following are our findings: Palisades purchased account number [redacted] on or about November 9, 2006. The original creditor was Verizon. At the time of the purchase, the account balance represented by the original creditor was $176.78 In the spirit of good will, a business decision was made to close the account with Palisades. Finally, please be assured that every effort is made by Palisades Collection, L.L.C. to ensure that collection practices are properly used and in compliance with state and federal regulations. Thank you for your kind attention to this matter. If you have any questions or need additional information, please do not hesitate to contact me

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,