National Credit Solutions

These people called and sent letters telling me I owe Columbia House $89.82. I'm 59 years old, I'm a war time veteran and I've never ordered anything from Columbia House. I told these people this and they still harass me and my 85 years old father. Please ask these people to stop ASAP. Thank you.

I got a call from NCS saying I owed over $100 for DoubleDay Large Print I opened in 2008 and someone was paying on the account and now my credit was affected, and to stop the calls, I needed to pay. They gave me some address I had never lived in and said to call them when I was ready to pay.

I looked it up online and it's a scam and someone word for word had the same call, dates and company. So I called NCS back to let them know this is a scam and the girl Crystal laughed and yelled, "This lady thinks we're a scam". She kept saying look us up on the Better Business website and Tennessee is one of their covered states. She kept laughing and acting rude. I asked for her manager and she said she'd take a message. After I said I would hold. I got a manager and she figured out it was another person by my name and gave me the last 4 digits of their SS no. so I knew it wasn't me. It is crazy a company like this exists.

I inquired about a collection that just appeared on my credit report. He told me the only way to get it off was to pay the collection amount. They had a P.O. Box that I used less than two months when I moved. He said they could prove I had received products from that address.

My husband was in an accident and was killed in May of 2005. I moved two times but I had a forwarding address. I never received any mail from this company.

On May 12, 2011 this lady called my house about a debt (NCS) in Laurel Pointe Apt. I told her I am disputing the amount. She asked me why. I was explaining it to her when she cut me off and said you don't have a job that's why you can't pay. You need to get a job you low life then hung up the phone. I called her back to get her name. She said we have nothing to talk about unless you paying us and hung up again. I called back again and she answered told me to pay my bill then hung up again. It was very upsetting and rude how she talked to me.

I received a notice from this company and I called them seeking further information. I was unaware of any debt from Columbia House. It supposedly occurred in 2006. As I started talking the lady was very rude. I was so appalled at this comeback from this person, I told her so and she reduced the payoff from $43.95 to $24.94. I am thinking about paying it but I am furious about this type of customer service!

I received a letter stating that I owed $148.03 to National Credit Solutions. The letter stated that the charges were for an unpaid account balance at Hollywood Video. I do not owe Hollywood Video anything. This has come out of the blue. Hollywood Video has been out of business for at least a year, if not longer. I don't know why I am receiving this letter now. As a result, my credit rating is now being jeopardized.

NCS claims that I have bad debt with Hollywood Video dating back several years. I am sending them a certified return receipt mail asking for the movie rentals, dates, and a signed copy of the rental agreement which was required to leave the premises with the movie, as well as the alleged return date of the movie. I attempted to call them on the 800 number provided, which now has a recording directing you to their new 900 number, and calls to them now cost you $1.50 per call - seriously? And these guys are in business?

I received a collection notice from NCS for Hollywood Video fines in 2009. My account balance was fully paid in person at the local store during their going out of business sale in Feb 2010. I never received any notification that there was a debt after the store clerk informed me that our account was paid in full.

NCS insists that I provide a receipt from items listed as late as 2 years ago! Who keeps receipts that long? Hopefully, I paid it with credit card and my bank representative will find it. I've already submitted complaints to the OK Attorney General's Office and the Federal Trade Commission. The VA Department of Consumer Affairs representative told me that they had received over 100 calls today alone regarding this company. How can they continue to do this kind of thing?

I have received a notice for collection on a Hollywood video, account no. **. They say I have an overdue amount of $914.00. I have read on your website that I am not alone in having a collection notice that is as crazy amount like this. The store I used for years is closed and I don't know who to call to get this corrected before it gets to the credit bureau.

I received a collections' letter for Hollywood Video in the amount of $176.78. The last time I visited the store I owed nothing. Everything had been paid up. I was told now I received this bill a year later from this credit business. They told me it was for later charges and the cost of the item that had the late charge on it. She claimed it was written in the agreement that was signed. I asked them for a copy and she said I would have to request this in writing. I asked her if it would be a copy of the original contract or a falsified copy, she said yes.

I then asked her so it would be falsified and she changed the subject and said I would have to write for it. They cannot seem to give a itemized account summary. She also told me that she did not know what I was trying to do but they were not a scam company which rang a bell to me then.This was the second time I called. They informed me the call was being recorded prior to the conversation. I had a call last week from National Credit with this number **, but no message was left.

While checking my credit reports, I noticed that NCS was on my TransUnion report as a collection account for original creditor, Hollywood Video. I have never been called or notified in any way about this supposed debt. I do not owe Hollywood Video or NCS anything. I called NCS and spoke with Misty, who was rude and hung up on me while I was talking. I called back and talked to Therron. He wanted to transfer me to Misty until I asked him not to. He put me on hold and came back on the line and told me he could take care of all my problems. All I had to do was pay the amount I owed. I asked to speak to a supervisor and he said no, several times.

I asked him not to hang up on me numerous times and finally, he silently put me on hold. I held for 10 minutes, another man answered then put me on hold for 10 more minutes until Marci **, a supervisor, came on the line. She was very professional, but I was basically told the same thing. I will have to write them and request the information. I notified her about her rude employees and she apologized. I have sent a certified letter to them requesting numerous items be sent to me to try to prove their claim.

I found out that I had been turned into NCS today for not paying late fees to Hollywood video (which is now closed). They could not give me any details as to what I had turned in late. All they told me was that I had late fees and since they were never paid, I had to pay the cost of the game or movie. I was turned over to NCS in October and I was never sent any sort of bill or notice of any sort. I had to find out by doing a credit report. They also expect me to pay in full the amount owed by Friday, which is only four days away. I intend on getting records of the dates and movies/games that I had turned in late and if they cannot give me any proof, I will be reporting them to the attorney general's office.

They just popped up on my credit report for a collection of $36! I did order from Columbia House back in maybe '97 or '98 and fulfilled my membership commitments with them! This lowered my credit score considerably, after I have been working so hard to build it back up. I have filed a dispute with Experian. This debt, which is invalid, is also beyond the statute of limitations. NCS has violated the Fair Credit Reporting Act and has re-aged the debt as of July of 2010. This has dropped my credit score by 45 points and it isn't even valid! If this gets removed, will my credit score go back up to where it was?

They claim to be representing Hollywood Video in collecting a balance of $99.86. This was never owed by us to Hollywood Video, and we never failed to return a video to them while they were still in business. The NCS company says that they do not need to provide evidence that the debt is owed, and that the burden of proof is on us to prove we do not owe the debt.

We are well along in years and have never had a blemish on our credit. This not only has been a great inconvenience. Their threat to ruin our credit has created a very difficult emotional state for me and my wife. When we have tried to speak with an agent, they become defensive and hostile, in spite of our efforts to be cool and factual about the situation.

In January of 2011, I was in the process of buying a home and my lender contacted me about an outstanding item on my credit report. I had cleared all of my debt back in 2009, so I was shocked that this item showed up out of the blue. My lender informed me that the creditor was National Credit Solutions. I gave them a call, and they told me that there was a balance of $150 and that the original creditor was BMG/Columbia House.

Several years prior, BMG attempted to collect for a DVD that I never received, and I fought with them for quite some time about the charges. I didn't hear anything for several years, and I assumed the situation was rectified.

The representative from National Credit Solutions informed me that since BMG/Columbia House was no longer in business, my only course of action was to pay the balance on the account. In the interest of getting the item settled, I paid the $150 and was told to expect a "Paid in Full" letter within 3-4 days.

More than a week has passed and I still have not received the letter. I contacted NCS this morning to try and get a copy of the letter (which they claim to have mailed) faxed to me. I was told I would have to send them a letter authorizing them to fax it to me. I did, and after several hours, I called to check on the status of the fax as I had not received the letter.

Another representative from NCS informed me that faxes sometimes take "up to 48 hours" to get to them, but that she would check on it and call me back in an hour. Two hours passed and I called again to find out what was going on. I got the obligatory "All of our credit assistants are currently serving other clients" message, and was told (by the system) that I was caller 20. After 5 minutes of nothing, I hung up and called again. I received the same results on subsequent attempts.

Aside from obvious damage to my credit score resulting from an unresolved debt apparently sitting on my credit report for more than a year, I may be in danger of my mortgage not being approved. This company is conducting fraud and I can't believe that they are being allowed to continue to do this to more and more people.

I received a notice from an alert on my credit report that I had a negative hit before I received the notice from the credit agency. They were pursuing $184.70 for late fees from a Hollywood Video account. I had never received anything from Hollywood Video in writing or by phone and never had a chance to dispute if it was correct. When I contacted National Credit Solutions, they indicated that it was for three movies returned late. I informed them that it was incorrect, not to mention that had it been true, it would have been just about $6.00 in late fees. The lady then said that they charged other fees on top.

I have filed a complaint with Michigan Attorney General, FTC, and am going to send to my local paper, news, and other agencies. Clearly, something is up with how Hollywood Video handled the bankruptcy, how the credit agency comes up with an arbitrary number, and the fact that your credit report is hit before any contact is made with the consumer. I would love to see a class action lawsuit by all Hollywood Video customers. Most of us were up sold on unlimited plans with no late fees and then had late fees attached anyway. No wonder they went out of business.

I called on 1/6/11 after finding their name on my credit report. I have a credit monitoring service so it was just reported on 12/10. The male person at NCS "politely" said that the $99.00 I "owe" was for late fees on a PS3 game rented on 1/30/09. I am not saying I did not rent this game, but it was returned on time! He informed me that if I did not have a receipt that I can not prove that. I asked how come I was not notified that there were late fees owed. He said that in HWV's contract, it is stated that they only have to tell you when it is due back. If you do not go in the store when returning and get a receipt, it's your responsibility to know or find out if it is late. They do not have to notify you at any time by phone, letter or otherwise.

National Credit Solutions said the same thing when I asked them why they did not call or write to notify me. I would not have even known if I did not have my credit monitoring service. This is the most asinine thing I have ever heard of.

First of all, let's say I did get a receipt on 1/30/09 stating that I did return it on time, who the ** is going to have that receipt now, 1/6/11? I asked NCS how they can prove this claim. His response was that it was in their files that were sent to them for collections. ** is what I say. He said it would stay on my credit report until it was paid in full.

I informed him this conversation was over and hung up.

I have a bad credit report saying that I got a DVD from the Movie Gallery that no longer exist (this is a bunch of **). Nobody can get a hold of you to let you know what is going on. I had a great credit report and it is now bad because of these people. Now, they won't even answer their phone. You are always the 33rd caller and then, nothing.

I just received a credit alert about some debt for $178.00 from National Credit Solutions. When I reviewed it in more detail from my credit monitoring service by Experian, it seems to come from Hollywood Video. I do not know of any balance due at Hollywood. They went out of business, and I have never received an invoice nor any other communication from them. Now I have this collection notice, and my credit report has plummeted.

I received an alert from Equifax today that my credit report shows that Experian reported that "Collection information has been added to or changed on your credit file." The report goes on to say "If you do not have a past due account that may have been sent to collections, contact the collection agency reporting the collection account as this may be a sign of fraud." The report states National Credit Solutions is the company and that I owe them $148.

This is definitely fraudulent. I have never heard of them. I do not have any overdue accounts with anyone. Tonight, I googled National Credit Solutions, and this website is my first stop. Now I am angry and worried and have no idea what to do. I would like help please! Thank you.

I recently noticed that a bill for $108 is on my credit report and lists BMG as the original creditor. I do not recall owing them any money and I have not dealt with them in the past. I attempted to dispute this with Experian but I was advised that is was verified and will remain. I am in the process of cleaning up my credit report. This is very damaging.

I received an ID alert re my credit report of negative activity. I got credit report copy and found this item and call NCS regarding this as I have never gotten one letter from Hollywood Video or collection agency. The store closed many months ago and I had returned all movies and paid any late charges as I have done all along.The person at NCS said I owed for 13 movies and late charges! Also stated even if I did not have any movies, I still owed the price of full movie since they were returned late!

NCS person said it was in contract (which I had never heard of) and was yelling and acting like I was a deadbeat who didn't pay my bills. I never would have known about this but because I have ID alert I was able to find out. Never ever received any letter, phone calls ever regarding this matter from Hollywood Video or NCS. I see there are many complaints about this happening to others!

National Credit Solutions falsely reported on my TRW that I had an outstanding bill in the amount of $340.00 for having allegedly returned videos late to Hollywood Video. Hollywood Video has been out of business in my area. I did not and do not owe them any money, that is false.

I was never contacted by Hollywood Video or National Credit Solutions and called NCS and told them it is not true once I saw such reflected on my credit report. NCS told me to pay them or they would not remove negative statements from my credit report. I was never notified, telephoned or contacted by anyone regarding this matter.

I received an email from my credit monitoring service that a negative item was posted on my account by NCS (National Credit Solutions). I called to see what it was concerning. They informed me that Hollywood Video had sent me to collections, for an amount of about $130.00 for late fees on two videos I supposedly rented earlier this year, and returned a day late. NCS stated they would send me information regarding this account, and have been very covert when I have talked to them on the phone.

Nevertheless, I have not received anything from Hollywood Video or NCS. I have not used Hollywood Video for years, and understand Hollywood Video filed bankruptcy awhile back, and neither company will produce any evidence that I rented the two videos. NCS refuses to remove the negative remark from my credit report until the above amount is paid. Could you please help me with this situation? Thanks for your time and help.

I was alerted by my credit monitoring service that I have received some negative information on my credit report. The negative information was listed as National Credit Solutions attempting to collect a debt of $94. I attempted many times to contact NCS by phone with no success to find out what the $94 was from. I needed to request a copy of my credit report to find out the specific information.

I found out that the company that submitted the debt to NCS was Hollywood Video. The local Hollywood Video store closed down in Spring of 2010, and when it did, it issued me a $60 gift card for unused credit I had since I belonged in the gold club and made monthly payments. I did not have any outstanding late fees or any other charges pending when the local store closed. I have begun disputing this information through a credit bureau agency dispute process.

NCS never made any contact with me and placed a false debt on my credit report. I was in good standing with Hollywood Video. This report from NCS is false. I contacted them and they said I need to pay them $236 or this will never come off my credit report. I was over 780 on my credit score and now, I'm below 700 because of this and this has stopped my attempt to purchase a house until I can resolve this. If this was my debt, I would pay it no problem. But I feel like this is some new scam to attack people with good scores in the hopes that we just pay out instead of going through all this. I asked them to send proof of my debt, they told me I need to send proof that I was in good standing which I don't have.

I just got the manager's statement that I was good to go and now, the store is out of business so I can't go back to find him. I never received anything from Hollywood Video or NCS. Also, when I did contact NCS which was Brandy at **, they were rude and being sarcastic when I informed them this isn't my debt and was trying to buy a house but they ruined my score with this false debt. I feel like this is a type of extortion and hope you investigate this claim, please. I am a combat vet and don't want to have to deal with this on top of my injuries. Thank you.

This company fraudulently reported false information to the credit bureaus and has taken no action to contact me regarding an account. I was never contacted by mail or telephone or even email that there was such a bill or debt in my name. I am suffering financially because it had an extremely negative impact on my credit. It dropped my score over 57 points! I have been denied a home loan with no knowledge of this account. This also prevents me from renewing my lease at my current residence and I will be faced with homelessness.

I was reviewing my credit report, and discovered that I had a collection on there from National Credit Solutions for $117.00. As soon as I discovered it, I called the company, and was informed by them, that I owed Movie Gallery for two movies they say I never returned from February 2009. They said I was being charged for all late fees, and the cost of the movies, plus their fees. I recalled the movies in question, and informed them that they were no doubt returned to Movie Gallery. I told them the store was only two minutes from my house and my girlfriend was diligent about returning movies we rented.

I then asked them why I never received any contact from Movie Gallery or them either. They told me that they didn't have to inform me, and neither did Movie Gallery, and also told me I had to pay this, or it would never come off my credit report. They said I should have kept my receipt for taking the movies back, and I asked her who ever gets a receipt for taking movies back? I have been working really hard to get my credit straight since my divorce, and the only way I found out about this was by checking my credit report. I have no idea how to fight this, or get it cleared up. It caused damages to my credit score and report.

I was looking on my credit report. I noticed a collection from their company for $28.00 with late fees totaling $103.00. It said it was for Movie Gallery. I called them and I told them I have never received a bill or any notice from Movie Gallery stating that I owed the money. She told me since I lived in the state of Arkansas, they did not have to contact me or send any form of notice. On my credit report, it was showing they received my account in October 2010 showing 30 days late. Okay, they still haven't called me yet. I called them and she said that it would continue to show negative each month even when they haven't contacted me.

I have never even been to the website of Columbia House DVDs until National Credit Solutions reported a fraudulent account to my Credit Report. I see this is an ongoing scam for these two companies.

I contacted the credit bureau Experian about several charges on my report that are not mine. One of which was National Credit Solutions, representing BMG Music. I was told that I had ordered CDs from them in 2004, shipped to an address in Kansas. I had moved from KS in 2003. There is absolutely no way that I ordered the music. Nor is there any way I would have ordered $110.00 worth of music. My credit is damaged and I was told by both Experian and National Credit Solutions that my only recourse was to pay the amount, which I certainly will not do.

Applying for a mortgage, I discovered on an Experian Credit report that on 5/2010, $154 was delinquent. Since I was out of the country for all of 2009 and returned in January 2010, and none of my family has done business with BMG Music, this clearly is a mistake. And it's costing me in terms of lowering my credit by 150 points.

I noticed National Credit solutions on my credit report, with original creditor showing as BMG. I never ordered any CDs. It says it's from 2004, and the original debt was $25, now with "fees", it's $142! I do not believe I owe this, or ever bought any CDs. I have contacted Direct Brands to have them confirm or deny that I owe this. I am waiting to hear back from them. We are in the process of finally looking for a home to purchase, and this negative mark on my credit report is hindering our progress.

This company appeared on my credit report, of which I filed a fraud investigation. Customer service rep. named miles informed me that I "had" to pay this debt because that is the only way to get if off my credit. I explained I never opened an account or owed any money as indicated, but he insisted that I had no choice but to pursue this on my own or pay it because it was under my name and address.

I, nor anyone in my household, opened or owe this company any money. In addition, I asked miles, "well, if I supposedly owe this money to bmg or national credit solutions, then why haven't I received notification of any kind?" He replied, "well ma'am, due to the small amount of money you owe, it has cost us more money to spend you notifications and besides, we are not obligated to do so, only certain states". I am very concerned that anyone can just open up anything under your name or address via-fraud, and companies expect the innocent to pay. I would like this to be investigated and companies that practice in this matter should be shut down.

No less than five years ago, I'm sure I pulled my credit report to find a collection account totaling $65 that I supposedly owed to Columbia House. Since it was not my debt, I immediately disputed it with the two bureaus who were listing it and it was quickly removed from my files. Fast forward to earlier this year when I'd managed to rid my files of any negative tradelines, I was able to purchase a home in June. I'd read horror stories about how the bureaus often sell your information to bottom-feeders when you start mortgage hunting so after closing I re-pulled my files just to be sure that wasn't the case.

Lo and behold, National Credit Solutions appeared trying to collect on that same $65 but this time it was on behalf of BMG and had increased to $182. I started my disputes not long after that and managed to get this bogus collection removed from one of the bureaus but Experian said that it has been "verified" so it will remain. It's impossible that they can verify something now that they couldn't then. This disgusts me because although I'm not looking to make any more major purchases any time soon, I want to get back that good name that I've worked hard to establish. I have reported this to all of the necessary parties so now I just wait.

I checked my credit report and found that National Credit Solutions is trying to collect a debt for BMG. I disputed the charges because I had canceled the membership after fulfilling my required purchases back in 2000. I did use the service, but didn't cancel until I finished my obligation to purchase a number of CDs at a regular price. I called National Credit Solutions to find out where this came from since I haven't seen a single bill or letter stating anything about an amount due or required purchases. NCS told me they would remove the item from my credit report if I just paid the full amount of $168, which is the penalty they are charging and not for any product, just a penalty charge.

I disputed the amount on my credit report and Experian denied my claim and said it is legitimate. I've looked for numbers to call BMG with no luck. I've given my address to NCS and asked them to send proof of the debt before I would pay it. I have no way to prove that this is not legitimate because I don't have anything from them at all. I'm a military living overseas and currently deployed. I am moving back to the US soon and need to buy a car. This has reduced my credit score by a considerable amount and I have otherwise perfect credit. No late payments, no missed payments, nothing late or missing ever. I also need to refinance my home and will now not qualify for the refinancing I was trying to get. This will end up costing me thousands of dollars because of what is apparently a scam.

As many of you have found out, there seems to be a trend going on with two companies which has caused quite a stir for many who have not ever dealt with either company in the past. The first of course is BMG Music Service; the second is their appointed debt collector NCS (National Credit Solutions). It seems that the stories are the same for the most part. This being that most who have filed complaints here are finding that these companies have filed collections against them for larger than normal claims for services or products never order.

I am in this same boat. I have filed a complaint against both companies with the Federal Trade Commission or www.ftc.org, I believe is the website. I am also going to contact my attorney to find out if there is a class action lawsuit in process or what it would take to start one. All I can say is it is better to act upon this and fight the 3 credit bureau companies, any collector, and any debtor who is mis-reporting a file on your personal credit history.

This will take time. This will take effort, but the justification and reward in the end will more than satisfy the overall experience. I encourage anyone and everyone to get out there and fight for your rights! This has damaged my credit score. This effects my ability to conduct myself on a financial level, due to inaccurate reporting.

My name appeared in a credit report submitted by NCS (National Credit Solutions) claiming that I ordered or purchased some music from BMG in 2001 and have not paid the debt. Now, this has damaged my score to the extent that I cannot even buy a house that I need to do. They are claiming that the original amount was $72 and it has now gone up to $102. In fact, I called someone at BMG who told me that the matter has been taken care of only for me to see a more damaging report today. I cannot buy a house at this point.

I am in the process of purchasing a home and noticed that I have a recent negative report on my credit from National Credit Solutions. It's anAaccount I had in 2005 from BMG. I closed the account and paid off the account after I found out how much they were attempting to charge for CD's after the free CD's were shipped. I now have a $180.50 collection on my account for 5 CD's I paid for in '05, in 2010, 5 years later. I never received any correspondence from BMG since the account was closed. Now I got this on my credit report and National Credit Solutions refuses to remove the item. This company should be shut down and sued by everyone on the BMG account they purchased. It is clear to see the records from BMG are not accurate and that's probably why they went under in the first place.

I received a notice from my credit monitoring site that I had a bad debt that showed up on my report. I have been working to clean up my credit for almost 3 years now. This was the same as everyone else. It says BMG account and I owe $203. I have not had a BMG account for probably over 15 years and I fulfilled my contract and paid them off.

I'm trying to work with the credit agency and all they can say is they are working on my dispute it is legit and I have to prove it's not my account. I have no idea how to prove this since I never had an account and now I can't locate a BMG to ask for proof. I refuse to pay this even if it means losing the good credit I worked so hard to get.

This sucks that a company can do this to a person. I don't even own any CD's at this time due to owning an Ipod. I had an Ipod during the time they are claiming my account was 2004 - 2006. Why didn't they try to collect if I did have an account and stopped paying? 4 years later they send to a collections and I only find out about it on my credit report. That's ** and this has to be fraud that the National Credit Solutions is in on with BMG. It's like they took anyone that had an account made a ** account and then is dinging them all for money so BMG has a little extra while it's going under. This is not fair and gives us a headache and BMG or NCS do not care because they just want the money.

I received a notification today that National Credit Solutions has put a derogatory mark on my credit report for a collection debt to BMG. I have never ordered anything from this company. I told her I was disputing the transaction through Experian because this wasn't my account and she said all she can do is note it. She couldn't take it off! Now I have a negative mark on my credit report that someone else obviously ordered. I never signed anything. I am frustrated beyond belief!

Okay, when I pulled my credit in March I found a charge from West Bay Aqu c/o National Recovery Agency. I called it was for just over $100 for BMG Music, now back in the mid to late 90's I did belong. So I figured it was mine. After I called, they could not tell me what it was for other than CD's or DVD' s The settled for 1/2. $ 68.94. So, I mailed them off a Money order, within a week I received a receipt so I was happy.

So after I sent it in to all 3 Credit Bureaus to up date and magically it is off my report. But in its place is not another National Credit Solutions for the same amount. Cute right. So I call and they say they have no idea who the other agency is and who I paid but the bought this debt back in 1/2010. Hm, it's now June and I pulled my credit months ago. All 3 bureaus and they were not on it. I will dispute this, I am not paying this.

Once again, I will have something on my credit that should not be there but the Bureaus will not help getting it off. They contact the company, they say "Yes, it a good debt we have been trying to get her to pay, even though no emails, or mailing to my home, no phone calls. They even show a payment of $185 as of 5/2010 Original Amount $104 and no balance is shown on the report. See, they just want to see what they can get from you. Well, I remember from BMG they never let you owe more than $100 at a time and I know as a teen, I never could afford to buy more than 1 or 3 CD' at a time. So to have made a payment of $185 is just unheard of.

This company is attempting to collect a debt to BMG Music service and keeps reporting 5 delinquent accounts with BMG on my credit report. I have notified them via email, fax and letters that I do not have any such accounts especially 5 of them. I have had an account in the past with this company however this was at least 8 years ago. This company keeps saying I opened accounts 12/2008 and 2/2009 and this is absolutely not true.

I received a bill from National Credit Solutions (NCS) for $221.80. I have never received CD from this company. I spoke to a representative and she stated I should pay the bill. She also stated I have a P.O. Box that was opened in 2004 and I did not move to the state of Texas until October 2005. I have disputed this on my credit report and the representative stated my request was denied. I would like some type of action done for this. This has caused anxiety and depression for me. I an currently unemployed and do not want to be responsible for a payment on items I have not received.

I was denied credit. I requested my credit report and discovered a company called National Credit Solutions, which was the delinquent account on my credit report. They are representing BMG Music Services. I disputed this with Experian. Experian "investigated" and stated that the account remains. Only after I dispute, this is when I got a bill from NCS stating I owe $150. I have not taken any further action with them. I instead called the Better Business Bureau of Oregon and submitted a formal complaint with them over the phone and again online. Anyone else dealing with this (and I can see there is many), make a copy of everything!

My credit report from Experian shows this company has put a negative report on my account as a result from an old BMG account. I was never contacted via phone, mail, etc., before having such a report to Experian. Also, whenever I speak with them, they keep claiming they'll mail me a form with the details. I have yet to receive such form; however, I am receiving phone calls constantly. Each time, they claim not to be the person I spoke with and will never provide me with their name or to speak with a supervisor. All they can tell me is that I had an old BMG account that is in default from 02 for the amount of $44.

Whenever I had any accounts, I always paid them off in full if no longer using. The account they claim is **, in which when I contacted BMG/Columbia House they don't recognize such. However, I'm being harassed constantly via phone as well as my credit report. I need this resolved ASAP. It has changed my credit score to decrease when I'm in the market to purchase a home. Your immediate attention to this matter would be very appreciative. Thanks in advance!

Recently I checked my credit report as I try to do annually and noticed a bogus account to BMG Music Service for $165 that had been sent to National Credit Solutions for recovery. WHAT?? I did not have an account with BMG!! I immediately disputed and got a response of "verified account". The next day I received a letter from this National Credit Solutions (they got my address from the credit report dispute) that shows 1 CD ordered in 2003. In my lifetime, I never had an account with such company, in fact I don't even know a company called BMG.

I got NCS phone number from my credit file and I called them and spoke to an 'Nancy' and she said that I owed the amount. I of course said the contrary, then I asked her why would 1 CD cost this much, she answered that is due to accrued late fee, finally I asked for the original debtors phone and account number in which she could not provide and she told me that I needed to PROVE to them that I didn't owe this bill? Thats a little backwards... for the past 6 years my I've lived at the same address and never received not a bill from such comany and now all of a sudden in October 2009 I owed $165 to NCS.

This is FRAUD at its finest! I just can't believe it! What else can I do? I just don't know how to get this off of my credit report. I rather pay an attorney then deal with SCAM companies such as this. I strongly believe there's a need for stronger regulation before a company can edit an individual credit profile. Currently there's no control and this is impacting so many good people. So not FAIR!!!

They said that I oue 155.00 to them. I have never had a account with them. My husband did many years ago. They also said that I lived in FL. I have never even been to FL in my life.