Is there any body Had a bad experiance with Gulf state credit. This company also go by OSI and Palisade Collection Inc. I am not sure what is the mission, vision or motive for this company but I feel this is a rogue and evil company illegally harass consumer to make money If you feel the same way I do please file complain to Better Business Bureau, FTC or even with your state attorney General. This is the only way I believe to stop Gulf State Credit's evil behavior
What experience have you had with Gulf State? They sure are shady. Gulf State hides behind OSI and you can't get a contact name, super phone or anything.
YOu wanna contact name? I give ya one Gulf State Credit, LLC 2425 Commerce Ave Building 2100 Duluth, GA 30096 Phone: 678-417-5049 Fax: 678-417-5074 Contact Name (Sleeze): Samuel D. Shannon
Gulf state credit, the company also goes by OSI and Palisade collection reported â??collectionâ? to my personal credit file for nothing .First they reported to my personal credit by the name of Gulf State and I called them and they said sorry it is a mistake. Gulf State Credit sent me letter twice stating the company is sorry about the mistake. Immediately after that they reported collection to my credit file again and this time with the name of OSI I called angrily and the apologize again for that mistake A month later today(6-13-02) when I was checking my credit report online I found a collection record reported from Palisade Collection, a sister company of gulf state credit .They are just doing the same thing again and again.
I had Gulf State and OSI coming up on my reports - faxed them the validation request that's in the Sample Letters section and POOF - like magic they were gone. Hope it works for you.... Scoob
If you have a paper trail and can show violations made by gulfstate/osi/aka any other name, then Sam Shannon will properly take care of it by sending a letter stating they are closing their files on the acct and deleting from the cra's.
I had many run ins with gulf state. If you search here you will find them. But yes, I did deal with Sam Shannon. After months of not validating, they finally sent me a letter asking for copies of my drivers license, social security card and my signature 5 times. They also re-reported it. I called Sam Shannon and asked what they thought they were doing. He gave me some b.s. about my alleging fraud. I never did. I told him I never alleged fraud and you guys are in violation of the FDCPA for re-reporting an acct that you have failed to validate. That's when he told me how they buy accts by bucketfull without any sort of proof. They supposedly have agreements with the oc's that if needed, they will supply the validation. I told him I've been waiting for 6 months since I sent you the first validation and I want this off my reports. He agreed. He said we have not been able to get any proof from the oc so we will close our books on this and delete it. And they did.
Wow awesome, Here is what he is doing, They sold an account to someone else and are still reporting it as $0 Balance/Sold/Transferred. How legal is that?
Good business ! Selling the same thing several times.you damn right .That's what Gulf State Credit does. It makes very good dollars and non-senses
LKH, Thanks for mentioning your case again. I continue to have problems with Gulf State's deliberate lies on an Experian report. I need to straighten it out or they will continue to redate it for the next 20 years. You know, the Bible says some encouraging things about liars. Encouraging for us, that is. Terrifying for anyone from Gulf State.
Gulf State rolls over very quickly. I thought they would be difficult to deal with but they were one of my very first efforts (back before I knew much of anything...lol) and as soon as I faxed them a draft of the complaint I planned to file, I got a phone call the next day from Mr. Shannon. He was a sweet as pie. The key is to have your papertrail and don't even bother dealing with someone from their collection department. No one there can/will help you. Go directly to compliance. They tend to delete and then reinsert the account under a different name (i.e. OSI Funding), but just make sure to get a copy of the UDF so you can send it in yourself if necessary and its pretty easy to get taken care of. L
I agree with other posting about the papertrail. Since there had been a lawsuit won against them in IL and that is where they were reporting this debt from brfore we moved, I just sent them 1 round of validation letters and the tradeline dissappeared. They didn't put up much of a fight.
