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Plaza/Aid Collection


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Love the board but wish there were some sort of database that organized specifice experiences/results by CA.

Anyway...I have a particulary pesky (and pretty old) collection for a T-moble account that is being handled by Plaza/Aid.

I sent them a PFD and they keep telling me no. I called to verify that they had recieved my offer and the agent started getting really nasty. In a somewhat similar situation to Amerikaner's "deletion is fraud" the agent told me it would be illegal basced on the FCRA to delete the trade line. I told him that that was incorrect then he started yelling at me...LOL.

Anyway...after he told me to get lost and that he wouldn't delete even if I paid I figured the issue was over. Then, starngely I get a call from a different agent the next day. Weird. I told her that I had sent them a letter and she said she didn't see it in their system. Suggested I resend to customer service dept.

Anyone have any experience with these guys that they can pass on?

Thank you!

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I paid Plaza on T-mobile as well several years ago...I noticed that it went away after I disputed it afterwards...YMMV.

Perhaps work an NDA into the settlement that includes all 3rd parties (read: CRAs)?

Edit: Perhaps you need to send your PFD agreement to somone higher up that the HS Dropout at the Customer Service department...say the Prez or something to that effect?

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Actually already gave that a shot but they gave me some BS about how the letter I sent went to the mailroom (even though I did a CMRRR) and that it may have gotten lost. She said that if the only way I would pay is if they deleted that I should send this in a letter to their customer service area. I guess I will use the address she sent me and resend the letter I had already sent them. By the way...here's the letter in cased anyone is interested...slightly modified/combined version of other letters posted on the board.....

Aid Associates

370 7th Avenue Ste. 1500

New York, NY 10001-3912

December 16, 2007

To whom it may concern,

I am writing to you regarding your collection attempts on T-Mobile (Formerly Voicestream) account XXXXXX.

In an effort to resolve this issue, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form. I should also note that this debt is well past the statute of limitations and by rule is scheduled to be deleted from all credit reports in just over 1 year.

If you agree to the terms and accept this agreement, certified funds for the settlement amount of $181 will be sent to Aid Associate in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.

Aid Associates agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, your firm will not acknowledge that any settlement offer was made, accepted or executed between us. If this agreement is violated the offending party agrees to pay $1000 for breaching the agreement as stipulated herein.

If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and sign it or have it signed by an authorized representative of your agency. It will be implied that this letter shall constitute a legally binding contract, enforceable under the FCRA, FACTA, and FTC Act.

Your prompt response to this settlement offer would be appreciated



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At worst it will probably only report till 4/09. But I've been so excited with the progess I've made so far I want it GONE! LOL. In any case if that's the worst I guess it's no so bad. The only thing is that I want to get a house in December and don't want this showing on the reports.

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you may want to consider this...

fax them your PFD letter and add a little line that says..

this is your only notification that all phone calls, from today forward, either to you or from you are recorded.

(buy a recording device at radio shack)

call them and say, "oh shot i have an incoming call,

can you call me back in 5 minutes",,,

why do this you ask?

this way they have called you after they have been notified of the recorded call..

.... there may be legal issues to you calling them and not tell them you are recording.

then when they call back try to get them to violate.

see my siggy for recorded calls info.

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  • 1 month later...

OK....as an update... I sent them this letter last week.......used the sample and modified it a bit....

a little bit investigation request/a little bit of a PFD reference and a little nasty thrown in for good measure....good mix I think...lol

Plaza Associates

7 Penn Plaza

New York, NY 10001

February 13, 2008

Re: Acct # XXXXXXX

To Whom It May Concern:

I recently pulled my credit report from the three credit bureaus (Transunion, Equifax and Experian) and found that you were reporting multiple inaccuracies regarding the account number listed above. I immediately disputed this information with the bureaus and the results of the investigation showed that you had verified the listing. You are reporting a balance for an account which was paid in full with VoiceStream Wireless a number of years ago.

I recently applied for new credit and was declined. Your negative listing was cited as the reason for the denial. Enough is enough. I have disputed these listings several times and even recently \sent you a settlement offer in which I agreed to pay the full $181 balance in return for the removal of the listing, but this written request went unanswered. Since the amount is relatively small, I figured this might be the easiest way to quickly have the item removed. My request was denied after I called and asked a collector with your agency about this possibility verbally. I should have you know that this collector incorrectly informed me that it would be a violation of FCRA rules to remove the listing, which is a violation of the FCRA itself, punishable by a $1000 fine for misleading a consumer.

I should remind you that this account, though paid, is well past the SOL even in the event it were still open. It is scheduled to fall off of my report in less than one year so I feel it was unwise to decline my payment offer. You have since sent me another letter offering a 50% settlement. My primary goal it to have the listing permanently removed quickly, so you will see no settlement from me without the listing’s removal.

Since I have disputed this erroneous information with the credit bureaus, and you obviously "verified" them several times, I am very curious as to what kinds of "records" you may have for this account since I am confident the account has been paid. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I am reprinting the legal text from the FCRA for your legal staff.

Laws cited

I will seek legal action under § FCRA 623 (B) for violations of the FCRA if you do not comply and respond to me with the results of the investigation in 30 days.

In order to clear up this matter, I would like to see, A) A payment history from your company showing me payments made and corresponding account balance for the Voicestream account listed on my credit report, and B) documentation indicating that you are legally authorized to collect on this account. If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have missing, inaccurate or incomplete documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.

To avoid a lawsuit, I request that you either provide me with the documentation previously listed or remove these listings from my credit report.



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