Complaint Review: First USA Bank - Palisades Collection LLC

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!

Barbara
Princeton, North Carolina
U.S.A.