BMG Music Club

I had an account with BMG approximately 7 or 8 years ago. Now all of a sudden, I get this letter stating I owe $65.82 for DVDs. When I had this account, there were no DVDs. Now I find it is still on my credit report. Now they say it is for DVDs I purchased. The people even have the audacity to say if I pay this it may be adjusted for interest and late charges. Payment will never, ever happen. I'm ready to go to court with it.

I received a letter in the mail on February 3rd from Allied Interstate, a debt collection from BMG music service. I never ordered from this place and they are harassing me to pay the amount. This is the first bill that I had received.

I have been receiving harassing phone calls and I have been getting the run around about a debt that I supposedly owe to BMG music, a company I never even heard of until a couple days ago when the Takhar Collection Agency called repeatedly and informed me that they were trying to collect a $49.72 debt owed since 2004.

I contacted customer service at BMG by email at the address that the Takhar Agency gave me. Deb from customer service responded saying that "they no longer held the account and any dispute must go through the Takhar Agency", so I recontacted the Takhar Agency back and was informed that BMG does still have the account and I needed to deal with BMG.

This is nothing but a scam and run around as far as I am concerned because I never ordered anything from the BMG company and have tried explaining that my ex used my name and information without authorization. And I am just finding out about this debt now almost 8 years later. Something needs to be done about identity theft and verification of who BMG is actually dealing with. And they need to leave the innocent victims of identity theft alone.

I was a member of BMG since it was "RCA Music Service" in the early 1980's, and back then albums came on either vinyl or cassette. At some point, I joined their "2 Free For Life" program, which entitled me to 2 free albums (at the time, either vinyl or cassette, later CD) every year I was an active member.

When the "end of BMG" notice came, I filled out my remaining "2 Free For Life" (8 total, for 16 albums) cards and sent them in, a full month and a half in advance of the drop-dead date of June 30. I also included a printed document that had the same information on it. All was sent from the counter of my local US Post Office, because I was concerned the letter was overweight, which it indeed was. That was on May 12, 2009. Since I had not seen anything by June 30, I decided to contact BMG Music Service to see what the holdup was.

After numerous back-and-forth e-mails where Bonnie ** of Customer Service first claimed to have never received the order, but offered me the opportunity to respond with my original request solely via e-mail, she then abruptly refused to fill the order at all, "inviting" me to instead join YourMusic.com.

BMG Music Service, under the direction of Stuart **, did willingly and knowingly engage in fraud, mail fraud, breach of contract, theft and probable destruction of US mail, a federal offense.

On a recent credit report from Experian, I noticed a negative entry for Trident Asset Management, a debt collector for BMG. According to T.A.M., I ordered approximately $160 of goods from BMG in July, 2007. I ordered goods from BMG at least 15 years ago, but they're long paid for. I never ordered (or received, for that matter) any goods from BMG in the designated timeframe. I was told that, if I get a "paid in full" letter from BMG and send that letter to T.A.M., the latter will remove the item from my credit report. I'm not in the habit of spending $160 for items I didn't purchase, but, if it gets the entry removed from my credit report, it's probably worth it. Good scam, BMG!

I have never ordered from them nor have I herd of them. I have a paper from SKO Brenner American Inc., West Bay acquisitions, saying that they are a collection agency on behalf of BMG music. I didn't have a debit card for 2 years and I don't purchase music because I have an iPod (which I have had for at least 5 years). This is the first notice I have ever received.

In July 2011, after running my credit report, I noticed a "delinquent account" on my credit for BMG in the amount of $189.69. Having never seen this on my credit report in the past, I was immediately concerned as to where this "outstanding debt" came from. On July 19, 2011, a formal request was mailed to this company requesting all documents to support the reporting of an outstanding account in my name and social security number related to BMG. To the best of my knowledge, I have neither entered into any agreement with BMG nor have I received any item from BMG.

I believe the account, debt and adverse reporting of this information on my credit report to be erroneous and as such, damaging to my overall credit report. As you must be aware, the use of a credit report score is tied to many activities in a persons life to include vehicle loan interest rates, credit card interest rates, home mortgage interest rates, employment opportunities, and car insurance rates, to name a few.

Continued erroneous reporting of this information is a clear violation of the Fair Credit Reporting Act and it is moot as to your reliance on BMG for unsubstantiated debt.

I ordered music years ago from BMG Spirit and Sound which is part of Columbia Records. I paid what was presented to me as the final bill and the account was canceled and closed. I pulled my credit report months later and found that they were on my report reflecting a balance owed for $32.09. I have contacted the number listed on the website which is disconnected. I have also contacted the credit reporting agency. They claim that they cannot adjust the inaccurate information on my credit report unless they have proof from the original creditor BMG stating that the debt was paid.

I saw BMG listed on my credit report - Experian's exactly. I disputed it right away online, right from my report. BMG was deleted the next day.

I am currently in the process of trying to get a new car.I am a college commuter and need something reliable. However, when I went to get financed I couldn't because a negative balance of $46 dollars had very recently showed up on my credit from 2005. At that time I was only 15 years old, and I have never heard if this company until last week. I tried to contact them but I have yet been able to find the contact information for BMG. As someone who is studying law, I know a minor cannot be living bound to a contract and I fully believe this is fraudulent. Yet I am being punished for something that I know nothing about. It is very unprofessional. They want you to pay yet you can't contact them.

On October 21st 2011, I was informed by Torres Credit Collection that I had ordered a CD from BMG Music Service which I have never ordered. I was even not familiar with the artist Gwen Stephano, whom ever she may be. Lisa stated that I supposedly ordered and due to this being on my credit report, I requested that my credit union pay this account and close it. Lisa stated that this account had been outstanding since 2007. To date I do not have the CD nor did I receive any written communication from the company over the past four years. I think it is in poor taste to misrepresent their company in this manner.

I have a $137 bill on my credit from BMG. I never got a bill stating that this was owed. I was not contacted by a collection agency and then all of a sudden it shows up on my credit. I need someone or a number to help get this off of my credit. I was even a minor when I did use the service and everything had been cancelled and done away with. I can't be legally held responsible for this since I was not even of legal age to agree to such a binding contract.

I was informed that I owe BMG Music Company $53. I do not remember receiving a bill from this company. Now that I am trying to purchase a home, BMG Music Company is shown as a negative on my credit. Can you please help in regards to eliminating this off my credit report.

This company sent me a bill for $128.00 or so. I was so obsessed with my credit that I paid it and wrote a note to close my account. Then, they randomly started sending me CDs that I never ordered. I put return to sender, not a customer on them. Then, I received yet another bill from them for $28.00 and I refused to pay it. They sent me to collections and this is now on my credit due to their negligence.

I recently reviewed my credit report. It states that I have a derogatory balance with BMG music club, dating back to 2010. I have never ordered a product from them! I applied for a personal loan and was told that this balance needs to be paid. I don't even know how and where to get in touch with this company. I am so upset. I have tried to even dispute this account, to no avail. Something needs to be done. Look at all these comments listed by consumers. Help!

My credit report shows BMG Music as a collections account, but I have never received a call, a letter, nothing from them requesting a payment, nor do I recall getting anything from them. Now I am stuck wanting to pay this with no way to do so.

I contacted the Takhar Group phone # listed as 717-697-0311 and a representative named Debra, advised that we have to email out an inquiry to yourmusic@yourmusic.com because BMG closed 2 years ago.

I am writing to make a formal complaint about BMG Music Club. I, Darcy **, went to get preapproved for a mortgage today, and they told me that I have a balance due from years ago. I should not have to pay this balance, because I didn't authorize this transaction in any shape or form. And I was floored when they told me at the bank. So try slam me with a $56.00 balance, because I want to buy a house. No way.

This is fraud on my credit. I want it removed now, or I call my lawyer.

I received a call last week from a man asking for my minor child. I asked him who he was and what he wanted. He stated he was from National Recovery Agency which is a debt collector and he was calling regarding a debt of $30.56 from BMG Music that my daughter owed from 2006. I told him that my daughter is 15 yrs. old and a minor who is not legally able to enter into any binding contract and he told me that I am responsible for the bill. I asked for information about the debt and was told to look them up online. I know this debt is a fraud and I am going to report this to every agency that will take the complaint. After reading the hundreds of complaints already posted on here and knowing that there is no way my then 10-year-old daughter could have ordered anything from them, I believe something has to be done to put a stop to this madness.

They are fraudulently preying on hundreds and probably thousands of people and ruining people's credit. This is a scam and I will make it my life's mission to stop them. And also shame on the credit bureaus for allowing this. With all the complaints they have received, a big red flag should have gone up and they should be investigating them as well. BMG and National Recovery Agency should not be allowed to report negative debts unless they can prove they are valid, and the company reporting the debt can provide legitimate contact information. This needs to change and something needs to be done ASAP.

I have never purchased anything from BMG music but I have a $51 bill in collections on my credit report. My lender says that I have to pay it before I can get my score up to buy a house. BMG is impossible to contact and I refuse to pay for something I never purchased! My credit score is affected and this is holding me back from getting a loan.

I continued to get a call from an 877-** number daily which I never answered until today. I would try and call the number back to see what company or who it was and I always got a recording that said the number had been disconnected. But that same number would always call me. They tried saying that they were a debt collection agency and were trying to collect a debt for BMG music company. I have never ordered through BMG nor have I ever received a bill in the mail from them. If I owed money, why haven't I gotten a bill in the mail? Why does it tell me the number they call from is disconnected? Why can I not understand what the person is saying? I know the answer to the last question and that is because they're not American and this has got to be a scam. I can tell, and I have heard of so many people falling for this type of scams and they give their information over the phone, well not me.

I got the same phone call that a lot of you have from the Takhar group. I did a little digging and found this working number 1-717-697-0311. I spoke with Belinda, who was very nice and I told her I never bought any CDs through the group and wasn't sure what was going on. She cleared my account and stated that I wouldn't be hassled any more. I also called consumer credit protection agency and filed a complaint. Their number is 877-382-4357. I wish you all luck. The 717 number will ring a few times before anyone answers, so hang in there. Say that you would like to speak to someone regarding a BMG music group account.

I, too, looked up my credit and there was from both BMG and Columbia House that say I owe them and I am delinquent. I do not owe either. I contacted them and they said to take it up with Equifax. I don't owe them and it stays on my credit. I asked them to take it off, but they said they can't.

Many years back (5-10), I ordered CDs through BMG. I cancelled the membership and the returned CDs were sent automatically to BMG. In September of 2011, I was checking my credit report and found an unpaid filing of $53 by TridentAsset.com from BMG. There is a rip off and scam going on here. I called Trident and they said that if I pay online, then this will be removed from my credit report

I was contacted by Takhargroup on September 9, 2011. They claimed that I owed BMG Music Club $66.57 for products ordered in 2006. I never received any products or services. I expressed that to the very rude employees and they said that I did and if I didn't pay right now, they would send it to the credit agencies.

I asked for a mailing address to their company and she would not give me that information. She said that they only take payments over the phone. I tried to contact BMG and their number was disconnected. Takhargroup gave me a different address than what was listed online.

Needless to say, I will pull my credit in a week and dispute the charges.

I also contacted Consumer Credit Protection and filed a complaint against both Takhargroup and BMG. I urge everyone to take a couple of minutes to file a complaint. Consumer Credit Protection number is 877-382-4357.

I monitor my credit on a regular basis and on August 26th 2011, BMG Music appeared on my credit report for $31.00, that they say is from 2009. I have never been a member of BMG music and when I contacted National Recovery Agency (collection agency), it was sent but I could not give any information about the company.

I disputed the collections with Equifax but they said that they have verified with the collection agency; this is my debt. The representative, Lisa with National Recovery, spoke to said that if I did not pay, it would continue to lower my credit score. This is a scam and needs to taken care of!

They claim I placed an order and received their CD. I have not placed any order with them nor have I received any CD. I don't buy any music CD.

They have posted the account to a collection agency and it is showing on my credit report, causing damages to my credit score. My intentions to refinance my house have been jeopardized by their actions.

I started getting phone calls from an 866 number on 19 August 2011. I did not answer any of the calls until 25 August 2011. Some woman with a heavy Indian (India) accent told me that I had a $47.30 bill with BMG Music that was about to go to collections. I was at work and my boss came in so I hung up really quick. They proceeded to call me another five (5) times that day.

On 26 August 2011 at 5:00pm Mountain Time, they called me again and this time, I answered even though I was at work. This man gave me more information than I previously had received. I told him I wanted an itemized bill sent with the address that the music was sent to. He said I had ordered something called "Sounds of..." and he trailed off after that. He told me there was no way to get an itemized bill because it was too far into collections at that point, but I had ordered it in 2006. I know I did not order anything in that year because of my home circumstances. When I got home, I tried going onto the Tahkar Group website. I entered my phone number and it said I could not get in and to call them. So I then looked up BMG Music Club on Bing.com and found all these consumer reports.

My auto insurance pulled a credit report and BMG Music Service Club appeared on the report. On June 2011, BMG Music forwarded to the collections an amount to be collected for the items that I returned last 2006. I did not want those items, so I sent them back. I called the collection agency and was told to fork over 81 dollars or it would stay on my credit. I told the woman that I did not keep the said items because I sent them back. I was told that if I did not pay the 81 dollars, it would stay on my credit and I would have to enjoy my bad credit. Then she hung up on me.

I am trying to get a house loan and it said on the report that I owe BMG for something I have never ordered or got so why would I pay that to them. Someone needs to look into this. It seems to be a scam to me and I can't find a number to call to even get a bill of what it was, when it was, or anything on it. It's not fair that they can do this to us and get away with it.

I was contacted by Takhar group collections agency stating that I owe money to them for BMG music club. They were contacting me to pay them money. I told them I didn't owe them money and they stated that I could not dispute the charge and if I didn't pay it then would affect my credit report for seven years.

The first phone call I received, she said that I owed $29.56, then when I received another call, the lady said that I owed $35.26. I said ok and asked what is it that I owe them and she said about a charge for payment processing. I stated that I wanted contact information for this company and she said that she only have an email address and no phone number. I sent an email but had never received a response. I tried to google a contact number or information on this company and every number I found was disconnected. I then noticed a list of complaints on the web about this happening to a lot of other people and they are complaining they did not owe this money either.

I called the better business bureau and consumer protection and I am waiting for a call back from them. I am also contacting the local news so that nobody else falls for this scam. I am scared that my credit report will get affected by this and I would like something done about this matter.

First of all, I do not believe that this company even deserves a one-star rating, but seeing how I can't send this in without selecting at least one, I did.

I had a woman call me to tell me that she was collecting on a debt that was from the year 2005 for the amount of $50 or so. I contacted the company to try and find out when, exactly, the purchase was made. What credit card was used and where the CDs or movies were sent because I know that I personally did not make this purchase.

I called Kate ** back to let her know that I have chosen to dispute this collection because I do not believe I have made this purchase and until BMG music group can prove that I have, I will not pay this so-called debt. I also did some research through the Internet and have found that there are many other people out there who have similar stories that I have, and I believe that this is a scam.

I was contacted about owing $26.77 to BMG Music Club from 2006. Takhar claimed they were the third agency this had been sent to. I've never belonged to BMG, and it has never been on my Credit Report.

I received a call from Takhar Group, apparently a collections company. I called them back and they are claiming that I have an account in collections that was originally with BMG music services from 2005-2006, and that they are the 3rd collections company to have this account. I told her that there's no way that's true because I've never had an account with BMG. She then started asking if anyone could have used my name to get an account, and I said it was only my husband, myself, and our 2 young children at that time.

She insisted that my husband probably did it, even after I explained to her that he worked and I was the one home getting any packages that would have been mailed to us. She said that there is no way to dispute the account at this point as it's too old and that my only option is to either pay, or have it reported on my credit report. I said it was bogus, that I had googled their company and everything I read showed that they have been contacting people concerning bogus claims. She again said that there was nothing I could do about it, that if I contacted BMG they would just send me back to the collections company, that again, I am unable to dispute the account. She gave me what she claimed was an e-mail for BMG.

Recently go a credit report. My credit report had a collection agency that said had a balance of $170.00 from BMG Music Service. I called the collection agency to ask them what this was about.

The guy I talked to was very rude and said that I had to deal with them now, not BMG music service and that I just had to pay the money if I cared about my credit. I said I didn't even know of this account, never even got a bill either from BMG or the collection agency, he said they didn't have to let me know and they could put it on my credit without advising me first.

Their email is somehow "disconnected" also. (csi@bmgdirect.com) The FBI should investigate this

To follow up my first complaint: Their phone number is disconnected. (317-692-9200). How convenient! I have emailed them; we'll see of they respond.

I am having trouble with my credit score (6/21/2011). After several inquiries, I find I am down for a "not Paid:" from a National Recovery Agency--they say I "never paid a $32 bill from BMG fr or some 'Chicago' album in 2005..."

I told them, this is a Mystery to me. I never bought from BMG, I certainly didn't buy any "Chicago" album (I like their music but I Didn't buy one from them), and, 6 years ago is ridiculous...I Never got any statement from BMG or NRA, and, If I did, they are Six Years Old and I'd have trashed them as settled, anyway. So, now I have no "hard Evidence". How Convenient for Them! I am thinking I had inquired about a student loan or something and got stuck with this, as another did.

I also had a "mysterious collection" for $32.00 from BMG after applying for a home loan. Torres picked up the collection. I contacted them and of course they wanted me to pay but would not give me a letter saying they paid it off. I then, after reading some of the other post by members that I can contact someone named Ellen ** which I did. She returned my call within 48 hours and she stated she would contact Torres on my behalf. A month later, I went to dispute it with transunion and it was gone. No other credit bureau picked this up as a collection account.

I discovered today that BMG Music has reported a debt to the major credit bureaus. I have never ordered anything from them. Many years ago, 5 or 6, I received one of those packages, buy 1 get 3 (10?) (7?) free. I threw away the package. About a week later, CDs showed up in my mail box with my address but someone else's name. I returned the package and called them to say that I did not want them, that other person did not live at my address and the name was unknown to me and not to send any more. I never heard from them again.

Today, AMEX called to tell me that they had received an adverse credit report on me and cancelled my credit card. The incident had caused my credit score to slip below their required score inconjuction with the credit inquires for my new car as being too many. I noticed all of the comments on your web site about people who suddenly had unjustified reportings on their credit histories stemming from BMG, and yet there does not seem to be any resolutions from any of them. I am outraged that this is happening and wondering how BMG got my SS# in order to report it in the first place. I will be contacting National Credit Solutions and my attorney. I do not pay for what I do not owe!

I started receiving calls from Allied Interstate, trying to collect $74.31 for an account that they claimed that I had with BMG music service back in 2007. The only problem is I've never had an account with BMG or any of its subsidiaries, ever. Of course they did the multiple phone call - hang up routine until I called them back. Several conversations all followed the same line, "You owe the money. There is no disputing it. We will not mail you a letter establishing the claim. We will not give you any option other than to pay over the phone." Isn't that illegal on a few counts there?

I finally got someone to say they would mail a letter to me, which I then received in mid-January, saying the claim is with OPS 10, LLC; a company that apparently doesn't really exist since no amount of searching the internet turns them up. They still refuse to give anything in writing, attempting to connect it to BMG. I actually had one of their collectors tell me today that I had to prove that I had never done business with BMG instead of them having to prove I had. That's hard to do with absolutely no contact between me and this company in the past, ever. Seems like BMG is on a run of fraudulent claims.

In 2005, BMG music service sent me a music CD as part of their negative option plan. If you don't say you don't want it, they send it. I thought I said that I didn't want it; they sent it anyway, and I sent it back. They claim that they never received it, and that I owe them $27. Several years ago, they contacted me. They were trying to collect again. They turned the account over to NRA, a collection agency, and asked for the money. I told them what happened. I thought it was over. Now, they are back. They are still trying to collect the money that I don't owe BMG. This silly $27 fee is on my credit report. They hold it over my head in the hopes that I will just pay it (since it's such a small amount), but it's the principle. Can I charge my client for something that they didn't ask me to do? Are negative options even legal?

I had pulled my credit report and BMG Music services was on my report. I never ordered any CD's or anything from them. They want me to pay them $149. I called the collection agency who reported it and they said that they have no way of contacting them. They don't have a phone number on them. Well, then how do they get their money?

I think that it is ** that a company can report something to a collection agency without even making any attempts to send me a bill at my home address. If anyone knows how I can actually talk to a live person or anyone at BMG also known as Columbia House, I would appreciate it. I also want to figure out a way to report the company for fraud.

I was denied Discover Student Loan because of fraudulent reporting on my credit report that I owe BMG money. I called to find as why the account is on my credit report. I was told I ordered music in 2005. I was 14 in 2005 and never ordered nor received anything from this company. I asked for proof that it was my account and was told they did not have to provide any.

On October 29, 2010, I received a credit alert and found out it was from a collection agency called Torres Credit Services. I immediately went to my TransUnion report to find out it involved an BMG account. I have not been with BMG since 1999. Therefore, I knew something was wrong. I contacted the company Friday morning. First off, the women who answered the phone was rude. She did not want to tell me what the chargers were for. In addition, I asked when the charges made. She informed me they were done in October of 2006.

I then asked for their address, which she did not want to give to me. She asked when was I going to pay and I told her that I would be disputing the account on my credit report. Her response was, "You can't do that yourself," that she could dispute the charges for me herself. Over the past couple years, I have been cleaning up credit report and I am aware of the things that a collections agency can and can't do for you. Therefore, I was aware that she was lying to me when she said she would dispute the charges. So, I thanked her for the information she provided and hung up.Friday morning after the conversation with Torres, I filed an investigation with TransUnion online and notified them that I was not liable for the account.

This Saturday morning, I received confirmation that the account has been deleted from my credit report. In the past, I have disputed items with credit agencies and this is the fastest my investigation has went through. This means that the company was unable to provide the information needed to prove that account was mine. My advise to anyone dealing with this company is to pull your credit report immediately and start the investigation process. I am in the process of trying to purchase a home and having a collection on my report would have caused me to not be financed. Also my credit score dropped because of this yesterday but it will be back up this morning when I pull my report again.

I have free credit report.com and I got an alert email yesterday saying something changed. I checked it and come to find out some Torres Credit Collection put a hit on my credit stating date opened 10/10 on a collection. I immediately called them and they had no record of me. I told the lady she better get this off my credit a.s.a.p. as my score is being affected and I always pay my bills on time. She said to fax it to Chris ** to be removed. I also called Transunion as they are the only ones reporting this and they are disputing, but this is ridiculous.

I have had nothing to do with BMG in years and I know I didn't owe them anything. 6 or 7 years later they want to report something to a credit bureau and put a date of 2010. What **! It isn't mine! My score was lowered 90 points because of this transaction. It's taken time from my day to get this corrected! Ridiculous!

My husband and I are in the process of closing a house under FHA loan. Everything was going well but the lender pulled out a new credit report and found out that my husband has a debt collection from Torres Credit agency under BMG for $33.00. Since we don't want to lose the house, I ended paying Torres today and I was also victimized by this scam in May ended up paying $30.79 to National Credit Agency also under BMG. This is very frustrating because we paid for this product without even purchasing it and you get reported to the credit bureaus. I'm crossing my fingers since we are having the FHA loan. I also tried calling possible numbers of BMG from the internet so I can dispute it but all the numbers are disconnected!

I and my husband is in the process of closing a house under FHA loan. Everything is going well but the lender pulled out a new credit report and found out that my husband has a debt collection from Torres credit agency under BMG for $33.00. Since we don't want to lose the house, I ended paying Torres today and I was also victimized by this scam in May, when I ended paying $30.79 to National Credit Agency also under BMG. This is very frustrating because we paid for this product without even purchasing it and you get reported to the credit bureaus. I'm crossing my fingers since we are having an FHA loan. I also tried calling possible numbers of BMG from the internet so I can dispute it, but all the numbers are disconnected!

We decided to refinance our home. Suddenly, after years of perfect credit, a bill of about $165 appears on my credit record from National Credit Solutions for BMG music. I had an account with them many years ago.

My email and physical address have not changed that time and I have had no correspondence with them. I note that this sudden "bill" was posted at about the same time I see many others have posted about this occurrence.

How can this be put onto my credit record without any correspondence with me? My credit record has been damaged and in refinancing our home, I'm told I must pay the bill to proceed with the refinancing.

Hello, I am in the middle of trying to get a house and everything was going good until a couple of days ago. I get an alert from freecreditreport.com. Saying my credit had changed. I look up the problem there it was Torres credit services had reported that that I had negative balance of $29. I could have puked. My score dropped almost 90 points. It being Sunday and not being able to call anyone to find out what this was all about, me and my wife got to stress out all day wondering what it could be. Monday morning I called Torres at 8am sharp. The lady told me it was BMG music from 2006 and that it was for a CD by ' A System of a Down'. I told her first, I never opened an account from BMG and second I would never buy anti-American crap CD's from that ** band.

I also told her that I was trying to buy a house (Should not have done that). Her next words were "You can dispute it but it could take months so you should just pay it and we will contact the credit companies tomorrow" so I paid. My wife called the next morning to get them to fax the receipt showing I paid. The lady she talked to told her that the other woman I talked to never wrote down anything about me saying I had never ordered any CD. She also said it would have taking days to depute and get it off my credit. My wife's Irish started to come out and the lady told her she was being recorded. I want to hear my recorded call from the day before. In the long run I paid because I felt I had no choice and I didn't want to miss my chance at get a house for my family. The system of a down here is BMG music!

We are supposed to close on our first house. On all the past 3 credit reports, we have high credit scores and no delinquent accounts. We are very good about paying things off. We don't even have car payments. Just today (1 week before closing), I received notice from my broker that we may not get our home because of a $160 collection account under National Credit Solutions via BMG. We have never signed up for anything through BMG, and pay all our music per song via iTunes.

Unfortunately, we have to settle, or lose all our deposits, and everything else we've put into our expected new home. This is an outrage, and I don't know why BMG doesn't get sued or face prison time federally for stealing millions of dollars from people like us. Although National Credit Solutions is defending themselves as an independent collection agency "just doing their job", why don't they blackball BMG after having knowledge of the fraud and SCAM going on with thousands, or maybe even millions of Americans? They should be sued, and charged federally as well. Even though they are a separate entity, they are acting with the knowledge of the fraud occurring, and receiving beneficial gain.

We are either out of $160, or our $550,000 house, So what do you think we're going to do? Now, we look guilty of this delinquent account, and the worst part is the violated feeling that someone has just scammed us out of our money.

I'm just letting everyone know since there are a lot of claims here about accounts being opened as a minor, if the company claims that you were under eighteen years of age when the account was opened (and this applies to any dispute you may have), a minor cannot enter into a legally binding contract. Therefore, their claim is not valid and you are not responsible to pay.

I applied for a credit card sometime last month and I was subsequently denied. I thought I had good credit, so I pulled up my credit score and saw I had a negative item from National Credit Solutions for $188. I had no idea what National Credit Solutions was so I Googled the phone number and lo and behold, it's a scam put out by BMG Music Service. I have never ordered any CDs from this company, and I have never been apart of the club at all. National Credit Solutions says I opened my account in December of 2008, and it was closed in January of 2009.

How does that make any sense? It doesn't. After reading through all of the experiences by others just like me, I disputed the item on my report through Experian. It's been about three weeks and I haven't heard anything back, and I doubt I will. I have tried to contact several people, but I either get a busy signal or the number is no longer in service. Other than to pay, I have no idea how to get this off my credit report.

I just received notification on my credit report that a collection agency (Torres Credit Agency) is collecting a debt from BMG Music. I have not had a BMG account since 1993! And I long fulfilled my obligation to them 10 fold! This has made a considerable negative impact on my credit scores and now I can't get a mortgage for building a new house. This negative impact has delayed my ability to get a mortgage to build a new house. I do not feel that I should have to "pay" a bad debt that never existed!

In June of 2010, I had my credit ran by a mortgage company, Dawn Investments. At that time, I became aware that BGM Music had reported that I owed $155.00 on an account that was opened in February 2009, and closed in May 2010. However, I did not know I opened an account with them, and I never ordered or received any products. I would like to dispute this item, and have it removed from my credit report.

I recently received my Experian Credit report. I had 15 collections, 14 of which were not mine and I had no problem having them taken off my credit. The collection agency saw it was a mix up of names. The one that I had problems with until today was National Credit Solutions (Collection for BMG Music) to the sum of 146.00 dollars. After 4 calls to them as well as Lifelock calling, I (we) had no luck. They said it was my debit and I was responsible for the debit. I called the parent company "Direct Brands" which once owned BMG, at one time, and left a message yesterday, 9/30/2010.

I received a call from a nice lady Named Ellan who promptly called the collection company. She said that I should receive a letter in 7-10 business days, and this has been removed from my credit report. I would like to share the number I call to all of you who are searching for a way to get this removed from your report: 717-697-0311. I got the number from someone who posted in Sept. Thank you for that much information.

It is the right number to call. Be nice, for she was nice to me. Even though you are upset about this being on your report, I have to say she was very nice. She did call N.C.S. and told them this was not a valid debit. And she was nice enough to call me back to let me know that it was now closed and I would receive a letter from NCS in 7-10 days that it had been removed. I do not remember who made the posting that I got the number for but thank you very much! I hope all who are having this problem will have the same result.

We had our credit pulled to try and get a mortgage only to find BMG music club states we owe them money and we never had accounts with them. We could not get a phone number or address for them. Everything has been disconnected. We did not get a mortgage and our credit scores dropped drastically.

On August 2010, BMG reported to all the major Credit Agencies that I owed them $84.00. This was untrue and I was never notified before hand to settle any supposed unpaid balances. My credit score is now in jeopardy, and was denied a home-improvement loan.

I found on my credit report that I supposedly opened an account and owe BMG money. This has been referred to a credit agencies as delinquent. However, I never opened an account with BMG as indicated on file. The credit company claims that because it has been opened under my name and home address, I am obligated to pay for ti. I proclaimed that this was fraud, but it was replied by the creditor that the only way to resolve this is to pay it. I am spending too much time and energy trying to resolve a matter that is fraudulent. I'd like for someone to help me resolve this matter and to teach large corporations a lesson. I have already filed an investigation with the credit bureau.

I had an NCS collection come up on my credit report from 2004. Why would they wait 6 years to do this? When I had filled out bankruptcy in 2003 when I went to buy a four-wheeler, they said, "Sir, get this taken care of, then you can borrow the money." Well, I called NCS and Whitney and sure smart electronics hangs up and everything says this isn't in your bankruptcy and says you can order this stuff at 13, we wait till your 18 to come after you. This is just plain ridiculous. BMG must own them. That's why there's no way to contact them. I was totally embarrassed. I can't buy nothing with this just popping up there all of a sudden. And what's worse, when you call the agency, they humiliate you more. They said, "Pay and we'll fix it." There should be a law against this.

In July 2010, I have had a $91 balance show up on my credit report from Torres Credit Service representing BMG Music. I have filed 3 disputes with the credit agencies. This account was set up with automatic withdrawal on my Visa before any items were shipped. It was also closed 3 yrs ago. This lowered my credit score and will be there for 7 yrs unless the dispute removes it. However, it is unlikely since I have tried to have it removed twice before. The third dispute is still pending.

I have two different delinquent accounts with this BMG Music, "National Credit Solutions" Credit agency. The fist account says I owe them $169.00, the second account says I owe them $160.00. When I called them about this, they said that as per BMG, I failed to complete my contract. This is a lie and this supposedly happened in 2004. I did have an account but I made sure that I completed my obligation. I have a security alert on my credit and when I received an email that my credit score had dropped 18 points on 9/10/2010, I just don't get it. If this is from 2004, why is it showing up now? Something has to be done.

I was surprised when I received a call on my cell phone a little while ago as an attempt to collect a debt. The person on the phone stated that I had an unpaid balance to BMG Music for close to $27 (I can't remember the exact amount). He also stated that it was due today. Okay, I have not ordered or used anything from BMG in close to four years and I am sure that I paid any balances that I had.

I was also surprised to find that so many other people have had a similar experience recently. If I do owe, why do you wait until now to start calling me? I hung up the phone to go online and check and see if I could pay any outstanding balance and I found myself here complaining. This is outrageous and Experian is the worst credit reporting agency. They have everything on there to bring your credit rating down. Things that I did not even use and things that I disputed are still there.

We are in the middle of buying a house and we just found out of a collection on my credit report from BMG music from 2004! I freaked out and called the collection agency and they said they would take it off my report if I paid in full. So I did because our house is more important; however, I never ordered any CDs from BMG and back then I wasn't even 18 years old. I tried calling BMG and they are closed down, I called every number I could find and nothing. Is there anything I can do? Credit had a collection delinquency and I had to pay over $100, not to mention the stress involved in this.

My husband and I recently applied for a FHA loan and lo and behold, I was told that I owed $27.00 to BMG Music Service from 2003. I had received CDs in 1999 when my husband and I first got married but paid for all CDs I kept but then started sending back any that came because I didn't like what they were sending anymore. I know for a fact that I paid any money owed to them but why, after so many years did they once again start saying that I owed money when I shouldn't have? I have always had my address forwarded when I moved and so if they needed to contact me they should have been able to. I am really surprised that I am not the only one who they are trying to **. I am also glad because it seems as though since I'm not the only one who is facing this ill-gotten faith. Maybe I can beat this.

I noticed something on my credit report and disputed it. A few days later, I received a letter of collection from NCS stating I owed $155.56 for 1 CD that I ordered in 2005. I had a renter at my house during that time. I have never received any notice of anything past due or request for payment previously

BMG music states an account was opened in 12/2008 with a past due balance of $173.00. I disputed it as I have not purchased or used any form of credit since I lost my job and almost had my house foreclosed on. I was able to sell it before that happened. I was told it was valid and stays on my report even though I have never had and account with them. There also is no contact information for BMG on my report. I want it off my report. What good is disputing something if the company involved says it's so even if it isn't. The credit bureaus are a sham as well in my opinion. It is a negative on my report that will stay until 2017 since TN keeps allows crap to stay on for 9 years. What a joke.

I just recently stumbled across a negative inquiry on my credit report from National Credit Solutions this past month. It was put on there in May of this year, but was regarding an account with BMG from 2003. I was astounded this was on my credit for many reasons, most importantly because I had closed this account in good standing with $0 in 2003 and because it was from 2003! Upon a lot of research and calling several phone numbers, I came across a phone number where you can actually reach someone with BMG! I tried 10 different numbers listed for BMG, all of which had so conveniently been disconnected or no longer in service, however, this one number was an unnamed woman's voicemail.

So, I left a message or two, and lo and behold, approximately 5 days later, I got a returned phone call. If you want this taken off your credit report, all you need to do is call Belinda with Direct Brands (the parent company of BMG) at 717-795-1483 or 717-697-0311. After multiple phone call conversations and several messages left, I finally got an email (written confirmation) from Belinda stating that they had closed my account with National Credit Solutions with $0 balance and an apology for the inconvenience this whole thing has caused me.

So, if you want this taken off your report, you need to contact the numbers listed above and call them on a daily basis until someone returns your phone calls. Persistence definitely pays off and they should not be allowed to do this. I hope that this helps each and every one of you who came into these same unfair practices of both BMG and National Credit Solutions to collect a false debt.

I checked my credit report and there was a listing for a BMG Music under a different collection agency. When I inquired about the listing on my Experian credit report (which I disputed), I was told that I would have to search the internet for a contact number for BMG as they did not have one.

I was notified lately that I owed $32 to BMG Music. It states on there that the account was opened in my name when I was 12. How at the age of 12 am I legally responsible for any of that? The age of consent on any of that is 18. All BMG music phone numbers have been disconnected and then I got a hold of someone at Columbia Distribution and they said the only way to contact them is through email. I have never once received a letter, email, phone call or anything regarding this outstanding balance. Yet, it is hurting me.

I think the best way to resolve this is to contact the credit bureau and find out what they can do and blow up their email. I believe that after this company shut down and transferred over to yourmusic.com that the balances should have transferred, so that there could be someone that we could talk to. It's complete bull that there is no way to talk to anyone on the phone anymore who can help. You have to send an email and hope that it isn't a dead end. The bad part about it is that I'm sure the longer it sits there, the more it is going to become.

Hopefully someone has some more advice please!

I checked my credit report online just recently. I haven't checked it in years but wanting to finance a vehicle, I decided it would be good to know my standing. To my shock there were two entries on my report from BMG one for $220.06 and the other for $146.49. I refuted it immediately, not having ordered nor received anything from them for the $220.06 and the other I had in 2002 received 2 CDs and returned them with my cancellation. I never heard anything from them again, until now.

Then a week after, my refuting received two bills from NCS for BMG. The lady informed me that both were due and without me paying them, it would stay on my record. I said I didn't order anything! She immediately terminated our call, saying she would make the entry I refused to pay the debt. Now what do I do? Any suggestions and resolution to this so they can't continue with this threat of damaging my credit? As per others I have read, it seems to be a common practice. This is damaging my credit rating.

Received call today from Taures collection agency regarding BMG Music account stating I owed 165.00 and I asked them how old this account was. They stated 2002. I told them 8 years. Come on, there is no way I could prove anything that long ago. They stated it had been w/ other collection agencies and demanded payment. I stated, "I demand proof." She hung up. If this is true or not it is damaging my credit rating. I was in Bankruptcy at that time but would need to research more but as far as I know this is a bogus attempt to collect money from innocent people with a declining music market.

I received an alert from my credit monitoring service. I have a collection item for $61 for BMG Music on an account opened in 04/2010. I am unable to get anyone on the phone with National Action Financial and all phone lines for BMG Music has been disconnected. I haven't ordered anything from BMG Music nor have I received any CD's. BMG Music is outdated. Who wants to order CD's from them? Let's see, we have iPods, MP3 players, etc. I have disputed the charge. If it comes back a valid account, I will seek legal action. I don't care if it is only $61. I'm not paying for a computer error, a thief, or mismanaged records. If I would have ordered it, I would pay it. But it will be removed my from my credit report. And I don't mean just show paid either.

I received a letter out of the blue saying something negative went on my credit report. I pulled up my credit and saw something from a BMG . It says it was an account opened in February 2009. I have not opened an account with these people and I disputed it through Experian and they said it is valid. This is wrong and it has happened to me before with a place called Bookspan and I don't even read let alone join a book club.

But because I wanted it off my credit report I paid it. I'm not doing it again! This is not my responsibility if it was I would pay it. I'm trying to build my credit to buy my family a home and this has impacted my credit and score, plus the stress it has taking on me has been really bad.

I just received a collection notice from National Recovery Agency (NRA) on behalf of BMG music service in the amount of $29.19. When I called NRA, they insisted that I had a debt from four years ago and that the debt had been turned to the credit bureaus. Originally, many years ago I had ordered CDs from this company and I paid for the CDs accordingly. Subsequently, many CDs that I did not request continued to flood my mail for about a year. I kept returning the CDs along with a note indicating that I did not want them. After returning all of the CDs, they eventually stopped coming in the mail. Now, four years later, I received NRA's collection letter for another CD.

I recently went to apply for a car loan. I just got my first credit card and the only other thing that should have been on my credit report was my student loans. The woman at the bank called me the other day to tell me that there was an account on my credit report and was considered negative on my credit. I told her I literally just got my first credit card and she told me it was an account with BMG Music. I explained to her that I have never heard of them and she gave me the information to contact them and solve it.

I gave them a call and they told me it must have been me purchasing a music package. The account was said to have been opened when I was 16 years old and I repeatedly told her I have never bought CDs online and my parents would never have let me in the first place. She then told me someone must have signed up using my name. So I asked what to do. Her response was to pay the balance. I was so furious. This woman was so rude and there is no way this was me! This company is a joke and now that I've seen this has happened to many other people. I honestly would be surprised if they are knowingly charging innocent people. I paid $154 for a CD I never received!

I pulled my father in-laws credit report today because they are trying to get refinanced on the home. I found a collection from National Credit Solutions for BMG music in the amount of $169. I spoke to a lady on the phone concerning the matter that my father in-law hadn't ordered anything from BMG. I was told that he is responsible for the debt period.

I asked for a settlement for this collection and was informed they could only go as low as $109. I said that is crazy for 1 CD and I would like to speak to BMG directly. She informed me that because it was turned over to them it was out of BMG's hands. I know my rights and am standing up for the rights of my father and mother in-law and demand to speak to them. She at this point told me I will be responsible for obtaining this information on my own that she didn't have the number. I, like so many others, will follow though with fighting this company in their scam. My father in-law, mind you, is a 76yr old man battling cancer. This is a crime and this company should be penalized for their actions.

I pulled my father-in-law's credit today & found that National Credit Solutions has a claim of $169 against him for a CD he never ordered. I called to dispute it or even settle with them on the matter & was informed they couldn't take less then $109 on this account. I proceeded to inform them that I would like to speak with BMG directly to discuss the matter.

At that point, I was informed that it was no longer up to BMG & I would have to deal with NCS. I informed that lady that I know my rights & am standing up for my father-in-law, who mind you, is a 76 yr old man fighting cancer, and demanded the number. She told me I would be responsible for obtaining that on my own. Who do these people think they are? Why are they able to get over on hundreds of people like this? It is unfair & a crime & I, like so many others, plan on fighting this matter. This issue is 1 reason that my father & mother-in-law are unable to refinance their home. It has effected their beacon score and it is not right for them to be held responsible for a debt that does not belong to them.

I recently checked my credit and noticed a charge from National Credit Solutions on there for BMG Music. I put a dispute in and then got a bill from them for $161.06. I have never in my life ordered movies or CD's online. Stephanie, the woman I talked to, said that anyone can order things in your name and there is nothing that you can do about it, but she would gladly take a payment. I explained to her again that I have never ordered from them. She said that the bill was back before may of 2005; that is 5 years ago. I have never received a bill or anything until now. She also stated that this is common and it's really my word against theirs. Are you kidding me? When asked what I ordered, she couldn't tell me. I said is it possible that someone else ordered this in my name. She said, "Oh, yes, you don't have to show ID or anything for it."

These people are crooked. It is on my credit report and they want to charge me $161.06 for something that is not mine.

I had my credit pulled for a loan and discovered a collection agency NCS appeared on my negative components. I called to find out more information but they were very rude and simply told me it was for Columbia House which is now BMG, from 2002. I have no recollection of ever belonging to this company. I have never received any bills, statements, calls, etcetera in the last 8 years regarding this matter. This is the first time that it has been on my credit in the last 4 years. I find it hard to believe that a debt from 8 years ago just shows up now. I don't owe this money and will fight to get it off my credit report.

I checked my credit report and low and behold I have not one but two collections concerning BMG Music 1) National Credit Solutions out of Oklahoma, OK and 2) National Recovery Agency out of Harrisburg PA. I have not dealt with this company since the early 90's. One acct is over $209 and the other is $54, never received the product when these scam collections said I did let alone ordered anything. Besides they went out of business in 2008. I am turning them into the Atty Generals office here in PA plus the FCA.

Lowered my credit score over 25 points so that I can not purchase anything.

I called the number for National Credit Services because they showed up on my credit report because they are collecting for BMG music services. I informed Sue that I have never ordered anything from them and she stated that I ordered some sort of music or DVD. I asked Sue for the number to BMG, she said they do not have that info. I asked you don't have the number to a company that your company is collecting for? She said no that they don't have to provide that number to us since BMG will only tell us to call National Credit Service back and deal with them.

The credit report states the original amount was for $31, now they want $157.50? I called back and the person who answered the phone would not give their name even when I asked for it and I asked them for the # for BMG, she told me they don't give out the number to just pay her the amount and she would make sure next month they would not be on my credit report, I again asked her her name and she refused to give it to me. I then asked her why I should give someone my credit card info without knowing who I am talking to, she said because she is the boss and she is the only person who controls my credit report. I asked to speak with a supervisor and was hung up on. I waited a few minutes and called back got a John on the phone asked to speak with a supervisor, he said no and hung up on me.

I recently checked my credit score and I have a seriously past due account with BMG music. I never opened an account with them. The balance started at $29 in February of 2009 and now has increased to $155 in May 2010. This is absolutely ridiculous and now I am forced to pay for an account I never opened!

I called NCS and they told me that I need to figure it out myself when I asked how to get a hold of BMG. It was awful.

I was notified by Citi fraud that someone had put something on my credit report. I called and found that National Recovery Agency had this and Shanea told me that this was a charge from June 1, 2005 in Desoto Texas. I have not lived there since 2001. I just sold my home in Amarillo at 5012 Everett Ave. that I have owned since Sept. of 2004 and sold another home I bought in 2002 at 1012 W. 34th in Amarillo. How could I have incurred this when I did not even live in Desoto, TX. I am infuriated by such tactics of unscrupulous companies. I did pay it, as I do not want my credit tarnished. I expect a full investigation into this sorry company BMG Music. I was told that someone had made a payment on this, it was not me as I have not lived in that area for 9 years!

I just received a collection call for a bill that I took care of years ago amounting to $55.84. By the looks of things, they are notorious for this.

I owed BMG $65.00 and I was late in sending in my payment. At the same time, I did pay my $65.00 to BMG , they turned me over to National Credit Solutions which went on my credit report. I have called NCS and told them that I have paid BMG and if they would contact BMG they would find that out. I was told by NCS that they would not bother to do that! This has been on my credit report since 09 and states will remain till 10/12!

I received a call from a collection agency on August 10, 2010. I was told that I purchased an item in June of 2006 and that the address that I supposedly ordered from is my current address. The point I am trying to make is I was not living at this address in 2006. As a result it will put a negative report on my credit report. I can provide the collection agency's phone, (866)240-7530. I can't get any more information from them, they won't provide me with any more.

I received a free credit report today, and it shows an account from 10/2005 from BMG Music that I never opened. Because of the fact they had my name and address, BMG turned me into the credit bureau. They said I originally owed $31.00, now it is $154.00. I learned in my early 20's not to join a music club, but have no idea how they got my information, unless they sent me some "junk mail" at this address, and now turned me into the credit bureau. Now, I have to pay these charges in order to get them off of my credit report.

After reading other complaints, it seems they have a very lucrative scam going for them. Bottom line: If you want an item off of your credit report, even though it is not a credible or correct report, you have to pay their ransom to get it off of your report as a delinquent account.

This is showing on my credit report. I never went on the website nor have I ever ordered from them. Now it is showing that I owe $202.00 for something I know nothing about and it's ruining my credit. The amount apparently started at $82.00 and looks like it is increasing over time. It's ruining my credit for an amount of $202.00.

I recently checked my credit report on freecreditreport.gov and under one of the reports it says I have two different delinquent accounts with this BMG Music Service that have gone to a "National Credit Solutions" Credit agency. The first account says, I owe them $216.00. The second account says, I owe $246.00 both saying I opened them in Jan 2009- collection of May 2010.

I never opened any BMG Music account at any time past or present. Me and my fiance are looking at getting a mortgage in the near future and this has put a negative mark on my otherwise good credit report. It is giving my credit report Potentially Negative Items. Which affects many financial and economic choices for myself and my family.

I reported this to the FTC. They told me if enough people file a complaint, the FTC will investigate it. I called them and file a complaint. If charges are filed, they will contact you. I received this reply after I filed my complaint:

"Even if you are not able to achieve satisfaction individually, you will at least have the comfort of knowing that thousands of consumers will see your complaint, perhaps enabling them to avoid a similar misfortune. Also, our site is visited regularly by law enforcement agencies, local and national media and consumer organizations and we work closely with all of them to help identify consumer concerns."

I applied for a job that requires a clearance and after a background check/credit report and there was an account that was in collection from BMG in the amount of $224. The report stated that an account was open in Jan 2010 with the most owed being $107 and sent to collection in June 2010. I did not open an account and do not have an account with BMG. I do not owe that amount. This is preventing me from getting a job. I had a company going to offer me a job and this is holding up my clearance. This will prevent me from getting any job that requires getting a security clearance.

I have received my credit report and it states that I owe that company approximately $155.00. This is ruining my credit. It states that it was opened in 2010, when I never even opened up any account with them. I have tried to get in touch with them, to no avail. I get some stupid answer like, we will mail you a statement, etc. or we can't give that information to you. I am trying to get a home loan and this is on my history.

It is a sad thing that companies are allowed to cheat people out of money that they do not even owe. There needs to be something done to them. I have spoken with them repeatedly and they also say that I need to pay a certain amount, then they will take it off of my credit. Why should I pay for something that I do not owe.

Please, if there is something that can be done to them, tell me. It would be greatly appreciated. This for what they said happened a long time ago. I will be going to my bank and letting them know what is going on and hopefully, this will make a difference in getting my loan. These people need to pay for what they are doing to people. Please email me back if there is something that I can do to resolve this issue.

BMG Music Service has fraudulently reported me to a collection agency (National Action Financial Services, Inc.) for a dollar amount that I do not owe. I have attempted to communicate with the company concerning this false debt with little success. I've been able to ascertain the name of the item I'm accused of not paying for. But that is the extent of the information they will share with me.

The subsequent responses I've received are only demands for payment and payment instructions. The fact that I am contesting the debt has been ignored. I am not currently a member of their music club, yet this seems to mean little to nothing. I was once a member, well over a decade ago if memory serves, yet I completed my membership requirements and canceled my membership without issue. If there was a balance owed on my account at the time, it would have appeared on my statements. I find it more than passingly odd that I am learning of this supposed debt only now, so many years later.

Recently I received an alert on my credit report that there was a charge of $145.00 that was sent to NCS for collection. I joined the club back in 2004 and canceled after my obligation was done. It took over 5 years. I couldn't find a number to call BMG I couldn't find one. Seeing that so many people had the same problem I hope that something can be done.

The amount she stated I owed was $171.

There was no way I could even fathom owing that on CDs, so I asked her her what the $171 consisted of. She said it was a combination of both an initial amount owed to BMG plus late fees that have accrued at $3/month since 2004. I told her that it didn't make sense as that would create a late fee only total of $234, higher than my total alleged balance of $171. The "manager" had no answer for that calculation other than, "well it is something like that". When I asked for a written itemization of the alleged fees, she said she would mail me something in writing. What I received was a letter, simply stating that I could write a formal letter to the company, and upon their receipt of my letter, they would provide me with "something".

I wrote the letter and mailed it out 2 weeks ago and am waiting for a reply. Additionally, my bank provides for credit report disputes right on my online banking website. I have initiated those disputes online. The procedure for these disputes is that if in 30 days, the company cannot back up the fees and charges, everything must be removed from the credit report.

I ordered some CD's a few months ago but never received any merchandise, and I did give them my VISA card to debit for $24.00. They never took it out and never sent the merchandise and now when I went to a very important job interview, it showed that I owed $97.00. I was having a hard time finding the customer service to get this fixed. I'm never trusting BMG Music again, either the internet or local store.

A book/DVD company that goes by BMG has hit me on my credit report. I guess books and DVD's where sent to an address in the next town over on my name and I got the hit. I have contacted them many times to have this removed. It is still on my credit report today! This issue had a mental effect on me. I was not approved for loans and other various things that run a credit report!

I never received products and now there is a $49 debt collection on my credit history! I am having a hard time getting a loan to buy my first home because of this outstanding debt that is false.

I am now receiving collection calls for an item that was returned to BMG Music Club back in 2007. After returning the item, there was no further correspondence mailed out to me from the company. There aren't any phone numbers listed on any of the sites to contact the company to speak with someone.

I recently applied for a loan. Loan office called to inquire about collections from BMG Music. This is 2010 and the supposed music was one CD that that has now turned into $152 collection. They will settle for $114. I did not order music from BMG. I am am assuming it was an old roommate, who I have no clue where he is now. The person I talked to at the collection agency says it doesn't matter if I approved the charge or not. They don't need signatures for mail order items. My loan application is in jeopardy if I don't pay this off.

I joined the BMG club in about 2004 to 2007. I bought the required CDs, was late a few times, and had to pay many late fees and did not get credited for the music I sent back. When I gave up on disputing the amount owed, I paid the total due and canceled the club. I have not heard from them since that time until now in 2010. We have just received a collections notice saying that we still owe $46.50. We can't find any phone numbers to contact and clear our names.

I purchased one tape from this company in 2000. When I saw the quality of the tape was not worth the price they expected me to pay, they said I had to buy 8. I wanted to send the first tape back and I sure did not want to pay a high price for others. So I refused to buy more and they kept sending me ***. I moved away and it is now 10 years later and they are on my credit score as me owing $157, for breaking a contract! They keep selling my account and keep my credit score lower than it should be. This should be against the law. Is there anyway I could take this company to small claims court? I paid for the first tape. I just did not want any of their other useless bad quality tapes.

I never had any dealing or ordered anything from them, yet they claimed I owed them $187 in collection agency. It's a scam, as I am demanding a proof of any of my involvement with their business.

I just got off the telephone with John from NCS Collection Services. I have alerts with all three credit bureaus and noticed $28.00 and $25.00 charges popping up on my credit reports! I called and was told it was from BMG Music for a CD from 6 or 7 years back. I don't order CDs by mail usually and do not recall this one. I had teenagers at home during that time and I would have offered to pay the $25-$28 to clear the amount from my credit, but the credit bureau says they want $145.50! I have two agencies thus far on my credit report for almost the exact same dollar amount. I asked if the so-called original debt originated 7 years ago, why am I just hearing about it?!! I am in the process of securing a mortgage. This looks bad and it's yanking my credit scores way, way down! It is ridiculous that people can be hurt this way!!

I received my credit report in June and noticed a negative hit from BMG. When I called the collection agency, National Credit Solutions, Brandy informed me that I owed BMG for breaking my contract in 2004. I bought all of the CD's that I was required to buy. She said I would have to show proof that I paid it off. She says they don't have to notify people that they are putting a negative on their credit report unless they live in one of the three states that require them to do so. She also offered to reduce the amount for me if I paid it off. This is the only negative on my report and according to Brandy, that's worse than if you have more. I think this is a big scam and I definitely want in on the suit.

I understand the frustration of this company. I had been a member of their club as well and they are saying that I never paid them for CDs that I have. I paid them each and every month in full. When I went to order some more CDs later on, they told me that they can't send them to me because i still owed them money. I told them that I had paid them and now they are giving my daughter grief over it too because of our last names. I am not going to make a big deal about it because they are the ones who are going bankrupt, not me. They will have their day in court and they will see just how much grief they had caused to people.

I use to have a BMG account in 2003 and then a few months later after fulfilling the agreement I went ahead and closed my account with them. I got a lovely identity alert on my credit status that had dropped. I investigated the matter and noticed a collection from BMG Music, opened in 1/2010 and turned in on 6/2010 to collection for $303. I was furious. I knew I was in good standing when I closed my account and don't understand why it took over 6-7 years for them to finally contact me. I refused to pay them until I got every payment history with them because for certain I had paid this off.

But no, now I have to pay charges of late fees, and whatever state you live in the chances are that it might be higher. This sucks! Just because BMG is going under doesn't mean it's time to have a glitch especially when someone was/has been trying to build her credit. My score dropped, and my revolving accounts with other companies had dropped because of this action going into collection. It has gone from OK to poor credit.

I will be calling Col. House to see how far I can get with them, but just very upsetting that all of a sudden this charge appeared after clearing all of my debt back in Feb., 2010. Sad world we live in! Because of this bogus claim my credit score dropped 57 points which is a huge lost for someone who is trying to rebuild there credit! I hope this scam is resolved quickly because I don't have money just laying around to pay off some bogus bill.

I was sent a notice claiming that I owe $30.56 for some reason. They claim they are collecting a debt on behalf of BMG Music Service, a club I do not belong to nor have I received any goods from them. My concern is that the notice stated that unless I notify their office within 30 days of the notice date my so called account with them may be reported to the 3 major credit reporting agancies. I called the number and do not feel comforatable leaving my personal contact information with these people in fear that my information may be sold to other marketing companies. This seems like a scam to me and have read other peoples testimonies online claiming they're being subjected to the same type of bogus notices.

I was told."obviously it's your debt. it's on your credit file." I just hung up I was so angry. I am currently trying to rebuild my credit and pay off my debts. This is just another thing holding me back. I have looked up this company online and have found numerous complaints for the same exact thing. This is ridiculous and I want this off of my file.

I have some false info on my credit report, which states that I owe "BMG" $145. When I called "National Credit Solutions" they tried to extort $145 by lying to me that the mailing delivery address was in Texas and that my SSN number was 4... which is wrong. I never been in Texas in my life and that is not my SS#. Also, the female (BRANDY) was deceptive on the phone and they kept hanging up on me without any presence of abuse. This is their names as they identified themselves:

JUSTIN - hung up on me.

BRANDY - told me some kind of music was mailed to me in an address in Texas.

Then she told me my SS# was 4...something, which is wrong. My SS# is completely different.

MICHELLE - she told me the music (whatever that was...) was mailed to my POBOX in South Carolina and that my account is since 2004, but JASON told me my account is since 2005. Also, I never been in Texas and I have my pobox in SC since 2007 or 2008 only.

This is some kind of fraud and attempt to ruin my credit and extort $145 from my by fraud and deception.

Here's the details from my credit report of the "collection (extortion) agency":

(405) 619-3630.

"Account Number" at NCS: 8670902074

Date opened (as stated on my credit report): January 2010.

When I asked them to provide me with exact address and time of delivery and description of merchandise and a copy of the bill. I never bought anything without paying for it first and I always pay either with Visa card or Paypal or a check.

I received a bill from National Financial Services. They claim I owe 30.76. I don't have service with BMG. I did some research on the internet and the BMG business is closed. I have been unable to reach NAFS for questions regarding this claim. I did find on the internet many complaints from other people that have had this happen to them. This is a huge scam and I this is affecting peoples credit. BMG need to pay for this. The address and phone above belongs to NAFS. I could not find a BMG phone number. I am not paying this bill. Ruining Personal Credit Report for myself and for all others going throught this.

On 6/21/2010 I received a collection letter from National Action Financial Services, Inc. (NAFS).

The collection letter claims I own BMG Music Service $30.56, but I do not know this company and I have never received billing to collect on an account prior to this collection letter.

I sincerely hope you can do something about this activity and correct the credit scores they have damaged. Currently, my credit score is excellent, but I do not know the impact of this activity.

Thank you,

No phone number given. I was sent to collections from 2005 from BMG without even being notified. I requested a credit report and they appear on credit report for a service I never received. Can not find any information to contact BMG with. Collections Agency stated that I owe the $163+ and it increased every 30 days.

I got a letter from a collection agency stating I owed $47.30, I know this is not much money, but they said i owed it to BMG music from 2006. and I know i fulfilled my obligation to them. cuz i paid in full.....now i find they are out of business and this was the only letter i have received about this from anyone...if i owed it how come BMG never contacted me.....whats going on, any clue?

This reported account has been 7years old with no activity. NCS only has basic information and no idea the open/close date of the account. This account was paid in full with a cancellation letter with payment and this has surfaced 2 years ago. My credit report is monitored by CreditSecured through American Express and as of June 12, I received notification that BMC/National Credit Solution has reactivate account. I want this to stop reoccurring for the sake of collecting illegally.

i recently got an alert from experian stating that i owe a charge for bmg music for $146 that i do not owe. they stated i ordered a cd called "young bloods or bloodz" and did not pay in 2004 and now i owe for the cd and six years of late fees. they stated it was mailed to my po box. i did not order this and i did not receive this.

all phone numbers for bmg are disconnected and i cannot find a valid address for them. the crediting agency national credit solutions in OK, states that all they need to send to the crediting agencies is a verification letter stating the reason for the charge and the amount. they do not have to provide any proof that i actually purchased anything from them. no signature, no ss#... nothing and said they cannot provide information with my request, signature, etc showing that i even really ordered this. they also stated that payments had been made on this account before the release of above ref cd but could also not provide proof of that as well. they state that anyone can order stuff and send it to my address and i then owe that amount.

so i replied "does that mean i can order stuff all day long, send it to my neighbors take it from their mail and they owe the charges" and they responded yes, people do that all the time. it's like mail orders & magazines. no proof is needed? how does this protect the general consumer? can these companies just send things like cd's, magazines, etc and then say you received them, now you owe? i mean companies can collect majorly this way. is there any way that you can help me or anyone who can contact me about this?

also are there any class action law suits against BMG Music at this time? all i see are negative report links listed on google when i put in bmg music or national credit solutions & OK. i would have provided an address and phone number but as stated before i could not find a valid one online and National Credit Solutions in OK would not provide that to me as well. their phone number is 405-619-3630 if that will help you in this process. i am going through closing and this is really hurting me credit wise and it seems as if there isn't anything that can be done about this except pay for something i didn't purchase and take a collection hit on my credit report. please have someone contact me it is very important that this matter is cleared up asap.

There are 2 things on our credit from a collection agency that we did not purchase. They won't take it off unless we pay them.

All of a sudden a collection account showed up on my credit report from National Credit Solutions for $238. I called them and they said that it was from BMG Music Service account from 2004. I have never had a account with this company and they have never sent me any request for payment. I told the collection company that I wanted proof that this was my debt and he said that the proof was that it showed up on my credit report. I cannot find any contact info for this BMG music. but i want it off my credit report.

I NEVER had a BMG Music Service Club Account. A collection agency, National Recovery Agency, appears on my credit report trying to collect $32 for BMG. BMG Music Service Club is no longer an active company. The agency told me, after I called THEM, that the account was opened in 2006. They said they had no other information and did not have the contact information from BMG either. I have sent them a letter to "validate the debt" and a "request for the original creditors address and contact information".

I am awaiting a response from NRA. I have also begun the process of filing a lawsuit against them in anticipation of them not playing by the rules here.

What I really want to now is if there are any "class action" suits being drawn against BMG or NRA or any other collection agencies that might be trying to collect these fraudulent accounts?

Had a problem with this company years ago with things on my credit report. This is the number I called to get my problem resolved. Just press # to talk to a real person. Hope this helps.

I applied for a credit card through my credit union and was denied because I have a $165 charge from BMG. I have never ordered anything through that company. I tried calling National Credit Solutions and was told if I value my credit I will pay off the charge. Can someone please advise me on what I need to do in order to have this taken care of. Thank you.

I remember I did NOT even like BMG Music and would NEVER buy from them again! I have only felt safe buying from these 2 websites for almost 15 years now since I was a victim of fraud on the Internet.As a result of their reporting this FALSE claim to the credit Bureau against me, it has lowered my credit score. This is a fraudulent company and I am curious why people are not filing complaints against them with the BBB. I am going to do this tomorrow. Can anyone can help me further? I will greatly appreciate it. Thanks, regretfully

I have never received a bill from this company...ever, and I certainly have not signed up for it. My credit reports that I opened up an account in Jan of 2010. Has anyone had any luck disputing this? I refuse to pay money I don't owe. Shouldn't they have to provide some type of proof that an account indeed was opened with them? This has to be illegal! I can't qualify for a home loan due to this dragging down my score a good 30-40 points!

I have just checked my credit report and there is a balance of 30 dollars for me owing to BMG. I did order Cds from them over 5 years ago. I had no clue about an outstanding balance. I can not find there number to talk with them. Gives out other music centers on line,when searching for BMG HOME. V

Was going for our house and agency gave us a copy of our credit report. I noticed there was a collection debt to BMG for $165.00. This account was closed a long time ago. Not sure what to do. I cant seem to find a phone number or anything. I heard they went out of business also.

Their response: they cannot locate an account in my name with the account number and at the address that is on ALL of the mailings & certificates sent in for redemption. I wrote back high-lighting the address/acct # and sent via Priority Mail. Their response: They cannot locate my club account. I wrote back re-iterating all and provided copies of their/my correspondence.

To date I have not gotten any further response and the last letter sent last month seems to be "not delivered but notice left". I have tracking info for all letters sent and they have been delivered/signed for except for this last. I accepted an offer from BMG Music Club and they have reneged on what I considered a contract. I had an account in good standing but they did not honor their part of the contract.

I just looked up my credit score online noticing I had a debt of 202.00 and had no idea where it came from. When I called the company they informed me that it was bmg music from an account I had in 2004, 2005. I don't understand if this was vaild why did it only show up in february of last year and for another thing I don't ever remember owing them money. The company that has the account is not willing to work with me to find out if it is even me and I can find a number for bmg music anywhere. Not only that it has appeared twice on my credit report! The lady said that they can place something on there every year if they wanted. What kind of mess is that! It's damaging my credit report.

I did not even know that they had my information. They claim I ordered cd's back in 2006. I wasn't even of legal age by then.

I just received a call from National Recovery Agency telling me I owe $53 to BMG for an account I never opened. While asking to speak to a supervisor about the account, I was then hung up on four times, and told to call back in an hour. I have never dealt with BMG and download my music or buy it from Best Buy not online music club.

There's false information on Experian credit report. I had no such account with BMG Music. I never opened an account in 2008.

Got a call yesterday from a collection agency called Mercantile Adjustment Bureau stating they were calling to collect a debt of $104 from BMG from 2004. They were incredibly rude. They could not provide a phone number for BMG or any way for me to contact them. Nor could they provide any details on the supposed delinquent amount. I was told unless I pay in full by the end of May, they would report this to the credit bureaus.

How can they do this without providing any proof? Why is there no contact information for BMG? I had an account with BMG years ago, paid my bill and closed the account. I have never received notification of any outstanding balance if there is in fact one.

Just checked my annual credit report and found a $32 charge off on there that has never been on there before. I called National Credit Solutions in OKC, and they tell me this is from 2004. I have never received a bill or anything. How come this has never been on a credit report before. BMG is a rip-off company and this is a bunch of BS.

I applied for a loan; PB said that I had a collection from BMG. I haven't ordered a CD from this place in over 10 years. Company did not try to contact me before placing in collection.

I was denied credit and when I pulled my credit report, it was a collection debt that was from BMG that I have never ordered for $166. These people said that they can put this on my credit from the date that it was received in their office although this account was supposedly 5 years old. This is so unfair to the consumer and I refuse to let this company mess over me like this. This has damaged my credit score.

I got a call from NRA a debt collector saying I owed $43 for a CD from BMG from 2006 and it was on my credit report. I have not seen it on my report yet. I have not dealt with a CD club since I was a kid 18 years ago. I have never bought a CD since I was introduced to the internet in the late 90's. I told the guy I did not order this and I wanted a detailed bill. He said he could not provide one and to dispute my credit report. This has to be a scam. 2006 and this is the first I have ever heard of this? There has to be something I can do. I will not pay this. It's not a big deal, $40. It's just the point I know I don't owe it.

I received a phone call today from National Credit Solutions stating that I owed BMG for a CD that I was to have received in February of 2007. I have had my account closed with them for numerous years and they do not let you close your account if there is still money owed. Not sure what kind of a scam they are trying to pull but I tried to call them and were directed to access them online. They will not take any calls regarding this incident. I am not paying this debt off because it was already paid before I closed my account with them.

Right now, this is now showing on my credit report. According to the collection agency they sent me letters and made phone calls that I ignored. I never received any calls or letters and this was not on my report until now. If I owed them money 3 years ago and it was turned over to collection, you think it would have been on my credit report all along.

I recently found a collection on my credit report from the company National Credit Solutions located in OKC, OK collecting for a BMG music. I contacted this NCS and asked them what this was for. They said it was for some mail order company for CDs. I tried to explain to them that I did not order anything from the named company and do not owe the $162 they are saying that I do. I have never been contacted by the company by mail or telephone telling me I owe this money. It just appeared on my credit report.

When I contacted them myself to tell them they were reporting this in error they were belligerent, ugly, rude and wouldn't listen to anything I had to say. They told me what a terrible person I was because I didn't pay my bills. When I tried to tell them that I never ordered anything from this BMG place, they said "sure I did" so I asked them for proof and they said since it is a "mail order", they didn't have to provide proof that I received anything.

This has to be wrong. I have some scamming collection company that has gotten my name and social security number somehow and it is trying to stick me for $162 or they can just leave a collection on my credit report? I asked them for a debt verification and they have yet to send it to me. They did tell me over the phone as they were laughing at me that all they had to do is send me a letter saying they "verified" the debt. They are not required to send proof.

How can businesses exist like this? This is harassment and not to mention just plain wrong. This is a multimillion dollar fraudulent business if everyone pays just to clean their credit. What do we do? Who can help? I have contacted the credit agencies and disputed it but they still keep it on my report. I then called the BBB, no results. What's next?

My husband and I recently had a credit report run for our refinance. We were surprised to find the Experian rating to be affected by a claim the National Credit Solutions for BMG $157. We had never received any type of correspondence or phone calls related to the debt. When I contacted them to find out what the charges were for I was told they were for CDs purchased in 2005. I specifically asked for a detailed invoice itemizing the items that were purchased.

When I got the envelope in the mail the following week (because they claim they can't do anything electronically but information I read online about these folks indicate they have emailed information), it was a typical collection letter indicating the balance due and information indicating we only had 30 days to officially dispute it or it would be considered a valid debt. I contacted National Credit Solutions again requesting a detailed invoice of the items purchased and was told that I needed to request that in writing.

I am sending the official letter tomorrow but given all the stories I've read online about this outfit, I have to believe this is some kind of scam. We pay our bills and don't recall these purchases. I have put in a dispute to all my credit agencies but they continue to say contact them and valid the claim without a piece of documentation. Scam and no one will do anything about it. I have researched this company and several people have the same complaint. What do we do? Pay it? If that's the case, this company has a multimillion dollar fraudulent business. Bad credit.

Just today, I checked my credit report and saw a debt of $155 from a collection agency, National Credit Solutions. When I called them, they informed me I had an outstanding debt for CDs I allegedly purchased in September 2005. I never ordered or received any CDs from this company. I never received any collections letters from BMG or this collection agency. When I attempted to call BMG, there was no information since I found out they closed a year ago. I will be discussing this issue further with the BBB and hopefully with an attorney. This is negatively affecting my credit score, which in turn is hindering my opportunities to purchase a car, a home, or even rent a place to live. I'm a student, so getting loans will be more difficult and more expensive because of interest rates.

Two months ago, I applied for my first credit card. I am a student and have never needed one before but I wanted to start establishing some credit. I received a letter back that said that I had been rejected due to a delinquent account.

I requested my credit report from the company and found that a collection agency called National Collection Agency claimed that I owed BMG music $212. This number they claimed had been arrived at due to interest charges and other fees that had resulted in me not paying for the original CDs I had purchased from BMG in April 2004. I never purchased any CDs from BMG. I talked to them and they said that I had to pay the full amount.

I refused and I am currently funneling any future correspondence with them through my attorney. I have not been able to obtain a credit card and I also have had trouble securing an apartment since they always run credit checks.

I recently refinanced my house and when the credit report came back, I have a mark against my credit from BMG Music saying that I had a delinquent account. I have never opened an account with them. This is affecting my credit score and I am furious with this company. I have tried to contact them, but it is impossible to actually talk to someone. This is affecting my credit score and making me look like I do not pay my debts. I have never even as much as had a late payment in my life. This is ridiculous.

I received my credit report with a charge to BMG Music that is not mine for $30 and it is affecting my credit score. I can't find a number or address on this company to dispute this charge or request a copy of the membership form. Help! My credit report is damaged and I am unable to purchase a new home.

I just recently got an alert from Credit Keeper that something negative was just put on my credit report. When I went to look, it was BMG Music Services who put in my credit report that I owed $118. First of all, I never bought CDs from them and second, I have never gotten any letters either. I searched a few numbers for them online and when I tried them, all of the numbers were disconnected. Then I went online again and came across this page where I noticed that they have been out of business for over a year! I am very outraged because I have no way of contacting them! I have reported them to the Better Business Bureau and I have disputed it with all three of my credit reports!

This has halted my search for homes because it has caused a negative impact to my credit reports until I get this squared away. But that won't happen until I can speak to someone about this, which is unlikely since they went out of business!

I was looking to buy a house and received a copy of my credit report. I noticed a debt of $155 from BMG music. I went through old mail and saw a collection letter from National Recovery Agency and gave them a call. They were very rude and disrespectful! They kept hanging up on me. They said they had two accounts for me. One for BMG and one for Columbia House for $70. I told the manager that I was upset about the balance for both but was willing to pay the Columbia House balance because I did get a one movie from them but that was for that one movie also.

I asked her how did they get my SSN because I never give it out? She got very hostile. I then asked her for BMG and Columbia House's numbers. She told me that by law, they don't have to talk to me. I then told her I would be escalating this situation further. I continued to search for their numbers and found out that BMG has been closed for almost a year, and Columbia House can't fine my account to show why that balance is so outrageous! I will be continuing to push this issue as well as disputing it with the BBB and the credit agencies.

I ordered several CDs through Columbia House so long ago that I can't even remember when but it couldn't have been less than 8 years ago. After ordering and receiving what, according to the tracking information, I received on their monthly "invoices", I fulfilled my contractual obligation with them. I returned future billings to them, in the envelope they provided, with "CANCEL CLOSE ACCOUNT" written boldly across each of the returned "I don't want this CD" stubs as they requested be returned to them if I didn't want the CD. I would gladly have called to follow up on each of these, but they never listed a phone number to call for billing disputes or inquiries.

And when I called any other number they listed, I just got automated menus for purchasing more CDs. That was, as I said, at least eight years ago. I moved from that address. In fact, I moved 5 times in the succeeding eight years and no other business or personal entity had any trouble keeping up with me through either my specific notification to them of my new address or through mail forwarded by the post office. Perhaps the post office didn't forward the mail because it was (quite accurately, I may add) Junk Mail.

Suddenly, my credit report monitoring came up with a seriously negative "Collection for failure to pay" in February/March of year 2010 for some attorney collection agency, who probably bought this debt from Columbia House thinking they could score big time from such ridiculous business practices. This is absurd and must be expunged from my credit record. This "claim" has prevented us from purchasing a home for a 12-year-old fallacious claim for $88. I am sure I am not alone in seeking to form a class action suit against Columbia House and this shady collections agency.

My credit monitoring service reported that I had a collection account recently placed on my credit. When I called the number listed (National Credit Solutions), I was told that this was for a BMG account originated in the 90's. The rep stated I was shipped a CD in 4/2003 and never paid for it. I never received a Bon Jovi CD (still don't own one today), nor do I remember getting a bill from them. Had I gotten a bill I surely would have disputed it. I fulfilled all of my obligations with BMG and cannot believe they can put something on my credit from 7 years ago that is not even true! When I asked how to remove this account from my credit I was told I could pay it in full ($187, ridiculous) or I could settle (but if I settled it would still be on my credit). I am going to take Hari's recommendation on how to resolve, but feel it is completely ridiculous. Talk about having your credit held hostage, and extortion to boot! $187 for a CD, come on! Should this not get resolved, I will be looking at other avenues.

I kept one CD and forgot to pay it off. I moved and forgot about it. A collection agency called my cell phone and told me I owed $40, which I paid. I then canceled my account. A year later, I get another call from a collection agency saying they were going to put a notice on my credit if I didn't pay $90. After calling BMG, they finally relented and said my account was canceled. I got a call today, over a year later, from another collection agency saying I owe $113. I have yet to resolve this, but it may be tough, since BMG technically doesn't exist anymore! They said they were referred the debt through Columbia House.

My wife received an alert from her credit monitoring service, about a collection report on her credit bureau. I called nation recovery agency about this, and were told that she owes $27 for CDs bought 2 years back. My wife never had an account with BMG, and never received any CDs. I called Experian, and disputed the collection item. She complained to BBB and FTC. I mailed them a certified debt validation letter. Within 5 days of complaining with BBB, we received a mail from BBB that the NRA will be deleting my wife's account, and will remove the collection item from her credit report, within 60- 90 days.

I am a victim of BMG music. It has been at least 10 years since I had an account with them. I never received the CDs but cancelled the account, paying the amount I owed. And today, my mortgage lender checked my credit NCS reported an account opened 2/2009 with BMG for $165.00. I called them and they said that I could pay it and it would be taken off in 30 days. My response is would you want to pay $152.00 for nothing?

I received a call from National Recovery Service saying I owed BMG Music for a CD I had ordered back in 1997. (13 years ago). They could not tell be the name of the CD or any information about the order. I told them I would not pay unless they could give the the information that I wanted. They could not. I had an account with BMG from 1996 to 1999. I closed it when I had not used it for a year or so. I did not owe any money when I called and closed it. This has not hit my credit report as yet but the calls still keep coming in about once or twice a month. What can I do to stop these calls? I would be glad to pay if they could prove to me that this is my debt. I asked them to give me my address and the address they gave me was not mine. I think this is a shady deal.

Since last July, my credit score has been steadily improving. When I went online to check my credit score in February 2010, it dropped 57 points because it said that I was sent to collections for a debt of $31 from a BMG Music Service for a CD called "Fall Out Boys". I have never heard of BMG nor have I ever heard of, or received a CD called "Fall Out Boys". I paid the debt right away as to not have further complications to my credit score. I tried to look up a contact number for BMG music and there were only two numbers that I found. When I tried to call them, the numbers are not real. They are: 317-542-6067 and 317-692-9200. When I began my search for the contact numbers the first website that came up was this website. I just can't believe how many people are in the same position that I am. All of which have been sent to collections for something that they had no knowledge of. It is affecting all of our credit scores unjustly and there is no way to contact anyone about it. My credit score dropped 57 points!

It's apparent that several people all over the United States are dealing with National Credit Solutions. NCS is sending out numerous collections for old accounts with BMG Music. I have contacted the company, and it is very shady. The management is a woman who was completely rude. Don't give in and pay if you truly don't owe them money! I am dealing with the same thing, and I refuse to give in.

I am going to file suit against NCS and BMG in 30 days, for violation of the Fair Credit Reporting Act, if they do not return my debt validation letter within 30 days. They will have to travel to the state that you had the service with. In my case, they will be traveling to Atlanta, GA. They apparently have my social security number. I know for sure that if I did indeed sign up for a CD club, I would not give out my social security number. I have talked to an attorney, and was advised I indeed have a case.

I also am a victim of BMG Music. It has been at least 5 years since I had an account with them. I never received CDs, but I cancelled the account, paying the amount I owed. And today, my mortgage lender checked my credit NCS, and it reported an account opened 2/2009 with BMG for $152.00. I called them, and they said I could pay it and it would be taken off in 30 days. My response is would you want to pay $152.00 for nothing? This has truly affected my credit report. If anyone has any ideas on where to go now, it would be greatly appreciated.

i received a call today from a collection agency telling me i owed $21.77 to BMG Music for a CD I received. I completed my obligation with them. Sometimes, I didn't return a card I was supposed to and they would send me the CD of the month, but I always marked it "return to sender....did not order" and sent it back. So I don't have any CDs that I didn't pay for.

I have not checked my credit report as others have mentioned, but I will be doing so today. I told him that I would have to talk to BMG and verify this info and get specifics, and he told me that they no longer exist! This is crazy! What are my options at this point?

Joe from NCS ext. xxx called me and told me I had a debt that I owed to BMG music company. He told me that BMG went out of business and was bought by another company. He said that I owed them $400 due to interest since 2002 for merchandise that I had received. I told him that I had paid that off then and it was around $80. I also told him I have been called about this several times since then. I told him just like I have told them in the past, I am not going to pay for it twice and I'm not going to pay interest either.

The last time I had heard from BMG was around three years ago. He told me it has been on my credit rating. I told him it was looked up just lately and it was not there. He then told me that it fell off my credit report. It is over seven years. But I still owed it along with the interest that this other company threw on it. He also told me I need to call BMG. Guess what? There is no number. I am going to contact a lawyer about this. I am tired of this. It seems to me this is nothing but a big scam! They should not be allowed to do stuff like this and put it on one's credit rating! A bad mark on my credit report and extortion. I am being consistently harassed. Thank you for your time.

I applied for a credit card and was turned down due to a discrepancy on my credit report. I have very good credit and was shocked to hear of a flaw. My credit report showed a past due amount of $204.12 from BMG Music Service in 2003.

In researching, I was told I ordered a CD on 10/22/2003. Never did I order anything from them, and asked for a proof of purchase. They sent me a letter stating, "Per your request and after our investigation we are providing verification of your BMG Music Service account. The information is as follows:" It states my address, the name of the original creditor (BMG Music Service), their address, the name of CD and DOC charges.

I called after receiving this letter and asked for something with my signature or some sort of authorization from me. I was told they did not need anything. One CD and DOC charges is over $200? I looked into taking them to small claims court, but was told I would need to go to their state in Oklahoma. I'm in NY. What are my options? What can I do aside from paying an outrageous charge for something I never ordered?

I received a letter from NCS stating that I owed $211.06 to a company called BMG. When I called to find out what the heck this was about, all Julie would say is that it was reported that I owed this and as long as they had my address and name, I would have to prove that I didn't get this item. I asked her what the item was and she said a music CD "Voyage to India". I then asked her, "A CD cost $211?" She said there were fees. I did order from BMG when I was stationed in Germany but fulfilled what I needed to do with them. This is on my credit report. My credit score is being adversely affected!

I was reviewing my credit report and saw "2" charges from this company, one for $33 said it was opened 8/09 and closed 9/09 and another for $37 from 1/2010 and closed 2/2010. I have never had any accounts with this company "Music Service Club" and when I googled them, it said that BMG music was closed? I do not want to be held liable for these accounts because they are clearly not mine! They are ** up my credit score and I need them removed asap!

National Recovery Agency called, I answered my phone. They claim I owe $30.79. I have never ordered or received CD's from this BMG Music Service. This claim, apparently, has been on my credit report for some time and I didn't know. I don't know how they got my information, but I never used this service. This claim has been on my credit report for a some time, has destroyed my credit, and made it very difficult for me to purchase a car. This is extremely unfair.

I obtained a copy of my credit report and there was a charge from BMG music from 2008. I never had an account with BMG Music. I pulled the credit in order to apply for a mortgage to get the tax credit and my score wasn't good enough.

I was a member of BMG Music years ago and have now been notified of a past due account on my credit score. I totally bought any CDs I was obligated to buy and actually bought many more than I was required to. Now, I have a collection agency contacting me saying I owe $124.70. This is totally unacceptable. The company is no longer in business and I never received any bills on this matter and then all of the sudden it's at a collection agency. I am filing a claim through them and I will not pay it.

I was curious what my credit score was, so I decided to check it out and found that I supposedly owe $54 to BMG Music for a services I never ordered. I never even received a bill or merchandise.

I could copy and paste the same complaint from the previous ones! I too have excellent credit and have never been a member of BMG Music, but I have been receiving calls from National Recovery Agency for a $30 charge from them. I told this agency years ago, when they called to collect on this account, that I have never bought anything from BMG Music or even received one call or piece of mail from them (which I would think would be the first step a company would take in collecting money from their customers), but here the fee still is years later.

I just Googled them to see that they aren't even around anymore! This is the only black mark on my credit (ever) and I would like to be able to talk to someone about clearing this up for me, but after reading other horror stories, I want it more for justice for all the others who have had their lives negatively affected by this company that just won't die! Why hasn't any legal action been taken to clear up this injustice? I am tired of receiving 4-6 calls a day from the NRA (collection agency) and I would like my credit to accurately reflect my credit history and score. Thank you!

I just got informed that BMG has hit my credit with almost $200 for collections, on what I have no idea. I didn't even know what BMG music was. I have tried to call and the numbers listed do not work.

Today (2/18/2010), I received a call from ARM Collections telling me that I owe $25.27 to BMG Music. I spoke with Mr. D., who offered to let me pay with a check by phone. In the late 1990's, we had an account with BMG but we met our obligation and cancelled our membership. About three years ago, we got called about this debt and told the caller (I don't remember the company) that we have finished our obligation and the debt isn't ours. He said it would be taken care of. It is now back. I was going to pay the $25.27 to get this out of my hair and off my credit report but I decided I wasn't about to give my account information to some fly-by-night person who I didn't know. BMG is now out of business so it seems pretty fraudulent to me. I'd like to get this off my credit history. It has affected my credit score.

I pulled my credit report and saw that there was a collection on my account. The collection agency is called National Credit Solutions. I called the company and they informed me that they debtor was a company called BMG music. I then tried to contact this company and cannot reach anyone. I have never purchased anything from BMG music and feel that this is all in error. I would like it to be removed from my credit report. I have contacted the collection agency, disputed the account on my credit report and have filed a complaint with the Federal Trade Commission as well. I do not know what else to do.

My credit report is showing a delinquent account from NCS originating with BMG Music Service in the amount of less than $200 for an account opened in 2005. I've never used BMG Music Service and never had an account with them. I've already disputed this but I want this removed. I've already put a fraud alert on my reports. My credit score has been hit by 30 points.

I have received an issue on my credit report from BMG music service, saying that I owe them 199.00 dollars. This has affected my credit. I called NCS and spoke with John and he was very rude! I asked for the phone number of BMG and his answer was "you have to do that on your own". I've been trying to get the phone number for them but it's disconnected. I placed a dispute under my credit report.

I have received an issue on my credit report from BMG Music service, saying that I owe them $222. This has affected my credit because when I go to get my credit checked to get a cell phone, they want a ridiculous amount for me to start a plan. The only thing I know about this BMG place is that my parents used to buy me CD's from there when I was younger. But back then, we paid them all the money we owed. And I know for a fact it does not cost $222 for some CD's. Does anyone know how I can get this removed from my credit report? My credit score is now affected by this because I can't even purchase a cell phone without having to put a huge deposit down first. I have not even used this service in years.

Never opened an account with BMG music and I have been reported to the credit bureau for an over due balance of 2700. It has dropped my credit score. I have been turned down for many credit cards.

I sent a payment of $23.98 in error on 12/29/109. I can't find a contact number.Ii contacted yourmusic.com and they took over for BMG Music and they said they did not receive my payment, yet my bank paid it.

I never opened an account with BMG Music and I have been reported to the Credit Bureau for an overdue balance of $30.00. It has dropped my credit score.

I have been turned down for many credit cards. I am in the process of trying to build my credit. I was stuck with a lot of bills after my divorce and I finally was on the right track in bringing up my credit score and then BMG reported me.

This all started when I was enticed by their scam for "free DVDs". Of course, we all know how much those "free" DVDs cost us! Anyway, back in 2004 BMG sent me a bill for the "free DVDs" because I hadn't bought 5 more or something. So, I paid them and cancelled my account. Flash forward to April 2009 as my wife and I are sitting down with our mortgage guy, about to buy a house, all of a sudden there's a new account on my credit report! BMG from 2004 is saying I owe them $189! We lost the house.

I called NCS and after talking to 5 different people, I got them to remove it. The lady said it would take 30 days to report to the credit bureau. I checked this 2 months later and it was gone. But wait, this week we lost another house. The reason: BMG! The stupid account is now back on my credit report and its status is now disputed! I never sent anything to any credit agency disputing this, because I went straight to the horse's mouth (NCS). My score dropped 37 points since July and I am now 3 points under the FHA minimum. Now what? Who the hell do I call? I have called everyone and nothing is getting done! PS. We also lost a $500 earnest check on the second house.

Yesterday, I received a call from a collection agency stating I owe a past due bill of $143.82 for a BMG Music account. I do not have an account with BMG and asked for the collection agency to verify my shipping address. The lady gave an address which I do not recognize. The address did not sound like a valid shipping address. It was a very odd format of numbers and letters with no zip code. I then asked what steps do I take to dispute the charge. She said there is no way to dispute the charge, the only way to may it go away is to pay the bill.

Finally, she gave me a telephone number for BMG. When I called the number, it's disconnected. I've still been unsuccessful at locating a valid number for BMG. This is a mess. How do people get away with this? I've never received a bill or any other type of mailer from BMG, and now that it's in collections. I have no way to dispute the charge without going through the credit agency.

I reviewed my credit report and realized that a collection agency is showing that I owe $184 to BMG Music Club. Apparently the account was turned over to collections in September 2009. I called the collection agency and was told that it was for a debt owed from 2004 and that I have to prove that I paid BMG by providing them with receipts (which I longer have because it was six years ago). I did have an account with BMG, but I met my obligation, paid my account in full, and closed the account in 2004. When closing my account, I called them to verify the balance owed, made the payment in full, and closed the account. I have never received any mailings, statements, requests for additional payment, or product from them since.

Several years ago, I had an account with BMG Music club to buy certain number of CDs over a period of time. Several months went by when I did not order any CDs, then the company wanted me to pay the balance of the "contracted" amount of approximately $35.00. I sent a reply (using the balance due notice) to let them know that I didn't have a problem paying the amount, but would want to get some merchandise for the money; I asked them to send me a listing of the merchandise available and the prices. I didn't receive a reply from them. In essence they would not give me the opportunity to order any CDs, they just wanted the money. I did not send the money. Now, about 5 years later, they have solicited the services of Accounts Receivable Management to collect the $35 without the opportunity to receive any goods for the money. BMG Music Club has (or will) send their information into the credit bureau which will cause my credit to be damaged.

I checked my credit report today and seen that I had a collection account with BMG Music for CDs that were ordered from them in 2005. I was a subscriber of their service back in early 2000-2002 but have not used their service since. I called the company they are using for my collection account and received nothing but attitude from the gentleman who answered the phone and his supervisor. They tried to bully me into paying the $180.00 collection account, also saying that if I pay it right now, they could completely remove the collection from my credit. I have disputed the collection with all the credit agencies. My credit score dropped 80 points as a result of this account appearing out of nowhere. There are not enough words to describe what I would do to them or the collection agency.

I pulled up a credit report yesterday and I saw a delinquent charge for BMG music for $170! I have never even received a letter, DVD, or CD from them. I have no idea what these charges are for and now I have a delinquency on my credit report! I don't even know who to call to see what this is about! I'm not only disputing this charge, but I am going to consult with my lawyer to deal with this. I don't care if I pay more for my legal fees. This company should not be allowed to scam people like this! My credit report is shot now!

I was a former online customer of BMG. I used to order CDs and pay directly using a credit card. I had no outstanding balances on my account. One day, I looked at my credit report, and noticed a delinquent account status from BMG, in the amount of $178. They claim that a CD was mailed to my address. I never requested to receive anything, and if I did, I would have paid for it before shipment. They are scamming their customers with fraudulent charges. This is showing on my credit report, which is lowering my credit score, and preventing me from getting loans.

I was charged $155.00 for music I didn't purchase. They said since they verified my address and name, I was responsible for this charge. Even though the one CD that was ordered was never paid for. Don't you think I would pay for something I received? This is now on my credit, and is keeping me from receiving a loan. I was told that if I pay it all off, it would come off my credit report. I could settle and only pay half, however, it would still show on my credit. I have paid this debt, as I can't afford for this to be on my credit report. I feel that I should be reimbursed. I am trying to clean up my credit report, and with this on there, it will keep me from being able to buy a house.

They have since reported me as owing over one hundred dollars for CD's which were not ordered and which arrived after I had already requested cancellation twice.

On 12/1/2008 placed amounts of $241.00 and $193.00 for BMG Music on my credit report. I have never purchased or owed for these high dollar amounts. Nor have I purchased anything from BMG for at least 5 years. It also show 2 different account numbers. I will file disputes plus I refuse to pay it!

Received a letter from a debt collector saying I owe BMG $160 for a CD they say I bought. I never bought a CD from them and have never received any bill or communication from BMG. I am not a member of BMG and never have been. They say that this $160 was for one CD -- what kind of an idiot would buy one CD for that much money. I've never heard of the CD they say that they say that I bought. I don't know what to do because I don't want to pay for something that I did not buy. What did everyone else do here that had this same problem?

in 2006 ordered cd's from bmg music club.they sent cd's i didn't order sent them back.now all of sudden after 3 years a collection agency is calling me saying i owe 31.35 searched bank records and found canceled check for cd's i did keep but didn't keep proof i sent back unwanted cd's.went ahead and paid this anyways just to keep this off my credit report.very unhappy that this company is allowed to do this to people

Columbia House/BMG are telling me I owe them all this money when I signed up a few years ago with them. They sent me movies I DID NOT order and I always told them I did not want the movie every time they sent the card out asking if I wanted the "feature title". If I called the 1-800 number to decline the movie they would still send me the movie and they were deducting my bank account so much to the point were I had to go to the bank because I was overdrawn and also get a new debit card. Now they have sent my info to this harassing collection agency when I do not owe Columbia House any money and if any thing they owe my bank because they were kind enough to put the money back into my account. Takhar Collection Services Ltd now say I owe $30.94 and $124.70!

I as most people happen to check my credit while car shoping and to my surprise... I was told I owe a bill in the amount of $189 for 1 (one) CD. This was apparently "ordered" 2 months after I left the state and requested mail forwarding and account cancellation.

Upon calling NCS I was told the debit was legitimate after I (in writing) disputed the validity of the bill. Close to a month later they send out a "verification" with nothing more than the CD title, acct number, original debtor (BMG) and current, but not original amount owed.

I believe there is silver lining in this NCS situation. The company has to prove the validity of the CHARGES NOT just the fact that the account itself is valid. In my case I ordered and PAID FOR the CDs I received. I paid the account in full and requested cancellation along with change of address as needed in addition to mail forward request. I was told by "Michelle" (#242) that USPS does not forward class six mail (i.e. CDs) but I never told her of the address change I clearly wrote on the back of the last invoice I paid. Simply put, these folks don't have ALL of the information.

NCS has a monetary stake incentive to collect-Plain and Simple. NCS keeps every dollar they collect. These accounts were sold for pennies on the dollar years ago and it appears BMG did not submit all of the supporting documentation to substantiate these charges.

I just checked my credit report this afternoon and noticed a collection delinquency on my Experian report. The date filed on it is Feb 09. I had an account with BMG Music Services back in 2004 and ordered several things from them. I closed out my account because I went through some hard times and never heard from them again. I then all of the sudden started getting these phone calls from someone at the National Recovery Agency saying that I still owed the $27.00 for a CD. I told her that the debt was not mine. She said that it was and she would continue to call me about it until I paid. I asked her why I never received a letter in the mail telling me that I had debt. She told me that they had already sent me three notices. I told her that I never received them and I wanted her to send me another one. She told me that she could not because they can only send out 3 notices and after the 3rd notice they considered the debt valid. That sounds like a bunch of BS to me. I have not heard from them since.

I am out of the country since May 2009 and this company reported me to credit bureau for the August month. how funny is that. I never ever heard of this company and now we are all affected. I just send verification Letter to them so that I can prepare to sue them for all what they do. I suggest everybody to do the same and report them so that they can go out of business.

They then explained to me that BMG has been bought out and I need to dispute the matter. I am trying to raise my credit score and because of this Negative mark my score has been lowered by 50 points.

I have never ordered anything from BMG services. They have National Recovery Agency reporting this to the credit bureau earlier this year. I have been trying for months to get this cleared up. I even filed a Chapter 7 last year which was discharged. I have faxed them this document as well to prove that all debts were dissolved. NRA repeatedly tells me that they cant find the paperwork and I need to pay the $190.81

I have found out that BMG music company has reported no my credit report that I owe them money. I tried to find info to call them and I could not find a working number. Please help me. This is affecting my home mortage refinace.

we had our credit ran as we are trying to buy a home, when my agent tells me of this $200 debt from a BMG music whome iv never heard of before or have any debt with mind you according to the report it was from 2003 and went into collections sept. 2009.How strange is that!! needless to say i am so not happy so when i called National credit solutions the very rude man who answered the phone told me the adress which is not mine and that there was nothing I could do it all adds up on his end and all I could do was pay the fee. I dont think so I am disputeing the claim! this is ridiculous and this had better not affect our family from purchacing a new home!

We had an account with them at one time, but was paid in full. We applied for a mortgage recently and they showed up on our credit report as us owing 150.00. We need this to some how be removed, as they no longer exist. lowered credit score, affecting mortgage loan

I cannot beleive how many people are posting about this. I have never ordered anything from BMG Music services and I received a collections report on my credit report for $195 claiming I owed $45 for CDs from five years ago. I just disputed with Experian but sounds like that will not get me anywhere. I have perfect credit and now it has been lowered by over 80 points so I will pay higher interest on a mortgage. So much for helping alleviate the mortgage crisis by buying a home. I might not be able to afford the payments at this higher rate!

BMG music reported to National recovery Agency that i owe them $54.00 from July 2009. when in fact I've never heard of this company until i saw this negative item on my credit report, i disputed this through Equifax which has just contacted me that the disputed item has been confirmed. I then contacted the National Recovery Agency who confirmed that BMG music has reported me as owing this money. I asked NRA for a contact number to BMG music and they stated they have no contact info for this company, So now my only option to remove this negative item is to make a complaint to the Federal Trade commission and file a law suit against BMG music

I recently applied for a mortgage only to find out that there was a charge on my credit from BMG music club. I have never ordered from this company. Every time I tried to contact this company I had no luck.

My credit report was pulled by a mortgage company, so that I could buy a home. They informed me that I had something in collection, which was a surprise to me. It was from BMG and the account was being handled by National Credit Solutions. I called NCS and they told me I bought 5 CDs six years ago and never paid for them. The CDs were originally 49$. They even told me which ones they were (CDs I would never buy). Now the account is 194$ for late fees and whatever else. I told them I would be sending them a Debt Validation letter asking them to prove that I owed the money. I sent the letter certified. After they received the letter I called NCS and they told me they closed the account and notified the Credit Bureau.

I checked my credit about a month ago and noticed that there was a collection account that I've never seen before, I disputed the claim, but it was verified. Today, Oct 5th, I received a letter from National Credit Solutions saying that I owe them $158.56 from a BMG Music account, which I've never had. I've never received any DVDs, CDs or anything from BMG. The woman at National Credit Solutions told me this was an account from 2005, I wonder why this wasn't on my credit report sooner??

I came online to find the customer service number to BMG to find out what I supposedly ordered from them, called the number, a recording answered and then disconnected the call. Then I found this website, this is unbelievable!

I got onto their website to call and get more information and it says they are out of buisness. Every phone number listed for BMG just rings and rings, with no answer. My credit report shows an account still at collection. Its hurting my credit badly!

Like many others a claim showed up on my credit report for CD's I never ordered. The number I have found for them has no answer. This happened to my husband also - he was able to find a number and get it removed from his credit report. He can't find that number now, but if he does I will post it for everyone.

i was in the process of trying to buy a home only to find that there was a claim on my credit report from national credit solutions on behalf of bmg music. i never even knew it exsisted. i never received a bill or a notice from bmg concerning this bogus claim nor did i receive any notification from ncs pertaining to this claim. i contacted ncs several times to get verification of this claim never to receive anything.

i spoke to a women named marci. everytime i spoke with her she lied and said the verification was on the way and tried to get me to just pay the $167.14 for a $15.00 cd that i don't have. i do not owe them a dime.

this is fraudulent activity there has to be a way to put an end to these two crooked companies. where is the help for the consumer that is being held prisoner by bmg and ncs. they are not being held accountable for their actions? as a result of this claim on my credit report i have been unable to get approved for a mortgage

Recently I checked my credit report as I try to do annually and noticed a bogus account to BMG Music Service for $155.56 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. I called right away and spoke to an 'Amanda' and she said I owed it. I of course said the contrary and I asked for the original debtors phone 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? HUH?? Thats a little backwards I explained and demanded they PROVE that I owed it. Then she threatened to hang up due to my "tone" where I in return did us both the favor and hung up myself to research this further. I found 2 numbers for BMG which were disconnected and then found THIS website..WOW..17 PAGES of people standing in MY shoes!! and it hit me..it was FRAUD at its finest! I couldn't believe it! Now I am following suit & forwarding this info onto all parties involved...What else can we do? I don't know how to get this off of my credit report.

I recently obtained my credit report and found that it contains a collection report for BMG Music Service reported through National Credit Solution (NCS). It states I have a balance of $198, but I've never purchased CDs with BMG. According to other posts about BMG, NCS is not cooperating with other people who have been wrongly reported.

And was told that there was nothing I can do about it that it will remain on my report untill it is paid in full. This acct is not mine it was done back in 2005. DEnied credit and has made my credit score go down after thrying to build it for the last 2 years.

I am closing on a mortgage next week and I just found out that a dispute that I filed back in May of 2009 against BMG Music was never acted upon. I never authorized, ordered, and never received any product or service from BMG Music. I contacted the supposed collection agency, National Credit Solutions otherwise known as NCS, to inquire about more information on the dispute.

I wanted to resubmit the dispute and I was told by Corey at NCS that you can only dispute a transaction once and I can't dispute again. I was also told by Corey that I need to "suck it up and pay the debt off." I told him I would be contacting a lawyer because they wouldn't honor my dispute and wouldn't give me any information on an account that was supposedly mine. He hung up on me as soon as the word lawyer came out of my mouth.

After being hung up on 5 times I looked BMG up online to find numerous complaints against them. The account they are claiming I owe money on was supposedly opened in April of 2003. This did not hit my credit report until December of 2008 (almost 6 years later). In the interim between 2003 and 2008 I never received any correspondance or bills from BMG or NCS.

I did contact the Federal Trade Commission and submitted a formal complaint against both BMG and National Credit Solutions. I could end up losing my first home because of this. If I do lose this house because of this collection action on my credit I will also lose over $3000 from a deposit that was put on the house. My credit has been significantly impaired by this.

First Off, Let me clarify this. I have never opened nor had a BMG Music account in my entire life or ordered anything form BMG music. About four months ago I have been having a National Credit Solutions company calling my phone and threatening to put a debt on my credit with $212.00 balance from BMG music that I have never had. I then called bmg music and they stated that they made an error and were correcting. WHICH WAS A BIG LIE! Now, about a day ago I have National Credit Solutions threatening me again about this bill. I stated that i did not know again and they were still not believing me. So i hung up and called THE FTC Federal Trade Commission and filed a complaint against BMG. I suggest that if this happened to you. You do the same! They will investigate and take action once enough complaints are filed. I also talked to a corporate Exec. from bmg direct which will be getting back to me.

How can a company place a debt on a credit report when they do not have documentation. I never even received a letter from them until I disputed it with the credit bureau and miraculously I received a debt notice. This is negatively affected my credit score and my overall credit standing. They are using unfair debt collection practices as they did not notify me of any debt during the 6 years they stated I owed this debt.

The Recovery agency made a threat that my credit would be ruined then hung up, I called back to try and get more information and got another rude ass who did the same thing. What gives.

I recently checked my credit score as I am looking to buy a house. I discovered that my credit score lowered almost 80 points because of a collection account from BMG. Not only have I not used BMG for almost 10 years, but I never received any letter, bills etc.. regarding the account. My parents are still at that address so they would have received it. The collection agency said they could not supply me with any paperwork or "proof". They told me that I could pay a small portion over the phone right then via credit card and they would erase all debt. I refused to do this as I would NEVER give my credit card over the phone.

I recived a letter stating that I owe bmg music services A debt of $146.52 for an account that I never had.This account that I was supposed to have opened stating back in June 18,2004.this was 5 years ago.I never recived any mercandise or billing statment from this company. i never heard anything up until now. I was contacted by national credit solutions about this account. they stated that this information was on my credit report.How can i be liable for an account that i never heard of until now.I tried to contact bmg but they are no longer in service.why should I have to pay for something i never purchased or new about.

My husband was falsely billed in 2006. He contested it repeatedly. Following his death on April 26, 2008, I discovered they were still billing him. I sent them a death certificate and was assured that was the end of it. On August 31, 2009, I received a phone call from NRA, a debt collector, asking for my husband and trying to collect on a false debt. I have tried to contact the company, but the phone number I found online for customer service routes me to other foreign countries. The representatives in these countries cannot help me, direct me to someone who can, or give me a phone number for someone in the United States that can help me. What they are doing is wrong and illegal.

My wife and I went to Consumer Credit Counselor, due to my loss of job and found that we had a Collection from BMG/National Credit Solutions for 199.00 for an account that was supposedly opened from a former address that we held over 2 years ago. We have never had a BMG account, ever and never opened an account. We disputed with Experian, they came back to say it would remain on our Credit Report because it had been Verified that it was ours. Even with my loss of job and a 70 percent decrease in our income we have managed to keep everything except for our medical insurance. We have not been late on any bills or our mortgage. Now to have this, on our very good credit report is insane. I will keep fighting to have it removed.

I never opened an account with BMG Music Service, nor have I received any items, bills, or statements reflecting any account. I have disputed this record on my credit file with Experian, and National Recovery Agency claims it's a valid debt, which it's not. Now they are trying to collect on it after I notified them and they never notified me.

Loss of credit, poor credit score, denied for credit card and loan and countless hours and undue stress and suffering becasue of it.

An account in collection status appeared on my Experian credit report (opened 12/08), claiming that I have a delinquent payment due to BMG Music Service in the amount of $166. I have no knowledge of this account and have made no purchases from BMG for over a decade (or more). I have disputed this item on my credit report and I am waiting to hear back. I have read the numerous other complains on the Consumer Affairs site and my situation is exactly the same. My credit is very good and like others in the same boat, I plan to fight this as there is clearly fraudulent activity on the part of BMG or NSC or both.

They never sent me anything to say they where closing, and I never got my CD's.

I just requested my credit report for general purposes and saw a collection account from BMG music service that was opened on 12/2008. I have never ordered anything from this company. I called Experian to dispute this matter and they verified it as accurate on the same day. I talked to a lady name Trish at NCS and she stated that payments was made back in 2003-2004. I requested proof and she stated their was no record of payment on file. Just general notes. I see this is a scam. I will be fighting until this is off my credit report. I am not paying for something I don't have and never heard of.

For 3 months I have been getting "statements" in mail that I owe them 167.77 for something I never ordered, or received. These are coming from NCS and that company can bite me! Apparently this is from over 4 years ago, I dont think so, what a scam to get me to pay them something I DO NOT owe them. I couldn't careless what it does to my credit report, I am NEVER paying them something I dont owe them!

I did some research online & noticed that this scam has happened to hundreds of people besides me! How can something just show up on your credit report without the company attempting to contact you for payment FIRST? Obviously they know that we dont owe them!

I noticed that alot of people have unsuccessfully disputed this with the credit agencies only for the collections to remain because SOMEHOW BMG is verifying them even though they're fraudulent. Therefore I haven't gone about trying to dispute anything yet. From what I've read around the web, it seems that when Experian contacts BMG/NCS with our disputes, they give BMG/NCS our current contact info in the process, then BMG begins harassing the complaintant for money that we don't even owe.

So Im hesitant about disputing it with Experian & I know that it will do no good to dispute it with BMG. I cant understand why Experian is even allowing them to ruin our credit in this way! We cant ALL be liars! Something fishy DEFINITELY has to be going on when alot of people are complaining. It OBVIOUSLY has to be some truth to what we're saying! So why hasn't anything been done yet?

I contacted the BBB a few minutes ago & am awaiting a response. I noticed on their site that there have been 1894 complaints about BMG in the last 36 months & that they have an F rating. Shouldnt that strike the credit reporting agencies as odd? I think Im just as mad at Experian as I am with BMG Music for allowing this fraud to be reported! Lowered my credit score almost drastically! I dont need this in my life as Im pretty serious about my credit!

I just checked my credit report today as I'm getting ready to buy a home. What a surprise to find a derogatory item on there from BMG, saying that I owed them over $200 and that it was in collections. I immediately called the collection agency who was no help at all. They kept asking me for the money, even though I repeatedly told her that I had not ordered anything from BMG and I wasn't going to pay it. She told me it was from 2003 and that since it was my name and address (no social security number was needed), it was my responsibility to pay it. I have disputed the charge on my Experian credit report, but that can take 30-60 days to clear. I am completely frustrated and angry that I was not even notified beforehand ... no bills, no letter, nothing!

I found out by periodically checking my credit report that BMG had sold a $41 account to NCS which then tagged fee's onto this account claiming $191 was owed. I immediately disputed through Experian who reported NCS verified the debt. I then sent a validation letter to NCS, waited over 30 days and heard nothing back. I sent a second validation letter to NCS along with a complaint to the BBB and NC AG office. NCS ignored my personal validation request but did respond back through BBB with a list of CDs and an address I haven't lived at in over 11 years. When I asked for further information about where was this shipped, signed contract and delivery confirmation they closed the file with the BBB stating they didn't need to respond to it.

My Experian credit report for 2009 shows BMG/Columbia House had turned my name in to a collection agency, National Credit Solutions, on 12/08. My account has been closed for over 15 years, and it was paid in full. I never received any notification from BMG, and this alleged debt has never shown up on my credit reports before. After researching the company online, I find that many other people were turned over to the above collection agency by BMG on the same date as I was...12/08. I also found that the Better Business Bureau gave BMG an unfavorable report due to false claims regarding their customers.

Furthermore, I found the company records supposedly had been compromised, and information about former customers was taken. Several people who were turned over to National Credit Solutions said they had never even had an account with BMG. I have filed a report with the FTC and requested an investigation, and I have notified Experian that I dispute the alleged claim by BMG since it is false. I am also wondering if National Credit Solutions is somehow involved in what I can only perceive as a scam.

i was the victim of identity theft in feb 2008 but did not realize it until a collection from bmg music showed up on my credit. i am a soldier in the us army and was deployed when the alert showed up on my credit report so calling anyone was out of the question as phones were few and far between so i emailed the company. they were very courteous to me and assured me that the account in question was terminated and any further amounts owed would be terminated as well leaving me with a 0 balance and canceling the account. the problem arose when i noticed that the collection had not come off of my credit a month later and i emailed them again, and again receiving the same response, my account was terminated and all fees waived. after numerous months with a battered credit score i was becoming impatient seeing as how my redeployment was growing closer and closer.

i asked them what the status was on getting the collection off of my credit report so i could have a clean report again and kept getting the same response until about two months ago when i received an email telling me that i can rest assured that none of my information was sold to any other agencies and they retained all of my information and had terminated the account. last month i received another email from them telling me that they were no longer the creditor for my account and my information had been sold to capitol assistance group and they could no longer help me. this situation was going on for about 5 months before my account was sold to another creditor. BMG had to have purposefully been negligent with my account to keep it on record and active, continuing to destroy my credit.

i have saved many of the emails between myself and BMG including the nuerous ones that tell me my account has been terminated and all fees waived as well as emails that tell me they have sold my account to another creditor.

Iam in the process of purchasing a home. I check my credit report and "WOW" there is a colletion account for BMG/National Credit solution. I called right away and spoke with a agent. She tells me about the account and when it was open. I told her it not my account and I never even herd of ordering a cd or cds through the mail.Also I let her know at the time of the account was open I was only 16 years of age. Now who would extend credit to a 16 year old boy. Anyway she said I would have to pay it in order for this to be taken off my credit and I ofcourse refuse to. So I asked for the mailing address and or fax and told her i can validate who iam and my age. She said she couldent give me that infomation now I must wait for a letter from them. And by the way this was reported in 2002 and I never got a bill for BMG. The original bal was $48 now its $256. She must have bumped her head or was drop when she was a baby. I refuse to be a jack*** for BMG OR NATIONAL CREDIT SOLUTION.

"Dear Ms Linda...: As you know, BMG Music Service is closing its doors at the end of June. Therefore, we are unable to ship the following selections to you."

this is the message I got even though I met the deadline to order on june 23 09 and they are closing on june 30. they emailed me on 6/28

When I called they said that they could not honor my selections because they ran out even though they were on the site and will not allow me to order different ones even though they were my "FREE" selection s owned from the either buy a featured selection and get 3 free or buy one get 3 free. THUS I paid more for the selecton originally in order to get the 3 free which balances out.

"Dear Linda, As the President of BMG Music Service and yourmusic.com, I wanted to write and thank you for your business over the years. We've enjoyed bringing you a wide selection of music at great savings. I'm happy to say that we'll be able to keep doing so, because BMG Music Service will continue as yourmusic. Sincerely, S. Goldfarb President BMG Music Service and yourmusic.com"

HOWEVER< customer service at BMG stated they are a different company and will not honor our previous order with bmg even thought the e-letter they sent out made it sound as though they are just changing their name and ordering prices. I am out at least 4 free cd's that I would like honored either with the ones I selected or others. they are open 2 more days till the 30th of june but state they cannot place any more orders and that it takes 3 days after we order to know if the items are in stock

It took me over an hour for something that should have takemn one minute. I never received any communication from BMG abnout anything and then this shows up on my report five years later. It is unethical and just plain wrong. Even now, the only indication that anything is on my record is because I signed up for credit monitoring.

I recently applied to buy a home, when my credit report was pulled there was a collection from NCS that said I owed $90 to BMG Music. First off, I have never recieved a bill or any other form of communication from BMG concerning this bill. I contacted NCS and spoke to Robert, he was actually very nice and tried to help me figure out what the bill was for. He finally found it after along time of searching for it, it was from April 9, 2004 an order was placed under my maiden name at an address I hadn't lived at for 2 years. I was married in 2001 and would not use my maiden name to order something 3 years later. In addition, I sold the home at that address and moved 2 years prior to this.

I have lodged a complaint with both BMG and NCS. I was told by Robert that I would recieve a letter in a week stating that I was disputing the bill, but when I called BMG music the person that I talked to was rude and very unhelpful. I told him I wanted to speak to a supervisor he stated that he was the supervisor. I then asked to speak to his boss, because I could prove that this was not my bill. He took my name and phone number and said someone would call me within 48 hours. Still waiting...

I found a phone # from a blog (of complainers with similar problems and frustrations). May 18th I tried again. I got in contact with Rosana, who had no information for me but told me that my information would be sent to the fraud dept. and it would be removed from collections. She also gave me an address to a place I have never lived.

As I researched further I was told by the NCS that the account was opened in 1996, and there were 6 CD's sent from the company. I do not own and have never owned these CD's. I was also told that since there was a payment of $590 (rounded) in 2002 this made to the account valid. I did not make this payment either.

First I was 14 when this so called contract was enter into, I don't have the CD's, I never made payment... if I had, $590 for 6 CDs? It sounds to me that whoever paid this was trying to get the creditor to go away by paying it off. So, WHY is it popping up again 7 years later? Is it attached to the correct account? Close to $1000 for 6 CD's?!

Since Dec. my credit score has been affected, and I am continually harassed by NCS. I am trying to buy a house and cannot until this is settled.

I recently was declined for a credit card and sent a notice that one of my credit cards was closed for a derogatory report on my credit report. When I checked my credit report I have a collection from 2004 for $52 that is apparently from BMG music service. I bought and PAID for many cd's from them and they owed me free cd's when I closed my account. I just filed disputes with all 3 credit bureaus. I never owed BMG money and was never contacted by them saying I owed them money. I had a very good credit score before this!! My bills are all paid on time.

I had my credit pulled May 2008 in order to purchase a home and found a collection account for National Credit Solutions [for original creditor BMG music service originated on December 2003] when I called the number listed on my credit report I spoke with a Zoey extension 108 who stated that the original debt amount to BMG was in December 2003 for $30 for which I now owed National Credit Solutions $201.85 she wanted me to pay this over the phone. I have not had an account with BMG since I was a teen in high school and graduated in 1999. The collection showed first posted in December 2008 on my credit report.

As I began asking questions she started to raise her voice and stated "what exactly do you want" I asked for a telephone number for original creditor and she stated she did not have a telephone number but could give me an address. She stated that either I could pay this amount and it could be off of my credit in as soon as two to four weeks or they did not have to give me any information on paper or (anyone including bank affiliated with me)for thirty to forty-five days.

I have never heard anything from either company until I saw this on my credit report well that is until I got a letter in mail on June 4, 2009 after I had spoken with her [Zoey at extension 108] on May 28 and 29, 2009. The letter that I received was dated for May 29, 2009 the second day that I contacted her. This letter is the first contact ever from either company. I just filed a complaint with the Fair Trade Commission. I have not yet paid the amount asked for by National Credit Solutions.

My husband and I are in the process of trying to look for a house to purchase. I pulled my credit report to make sure that everything is ok and I had no accounts that are bad on my credit report. However, I found something for National Credit Solutions stating that I owe BMG Music Service over $200. I called BMG and disputed the charges and wanted more information on the charges. The female that I spoke with had no info on the account. I called NCS and was told the account was from 2004. I have never received a bill from either companies until I disputed it on my credit report. So about three weeks later I called BMG to find out the outcome of the dispute and still no information on it.

I have a fraudulent delinquency on my Experian credit report stating that I owe $152.77 to National Credit Solutions for a past due account. I closed my account with BMG in 2005 and it was in good standing with no balance. I have not done any business with them since then.

I went to get a loan and was told I had a bad rating due to BMG music and national credit solutions when I phoned them they said I owed $200 from 2004, I have never ordered through them and in October 2005 I filed chapter 7 bankruptcy and if I had owed them money it would of been included. Now my credit is ruined over an oringinal $44 order they tell me. I need this removed since it is invaled.

I purchased the 2 for life cd's and the company will only honor until 3/31. I cannot find my cards for the 2 for life. I cannot reach BMG because their line is always busy. How can I get the credit? Also I do not think this is a fair deal.

I have not been a member of BMG for more than a decade now. Yet all of a sudden on my credit reports - National Credit Solutions has posted that I owe money due to BMG. I assure you that I owe nothing.

I urge anyone with this problem to first check your credit reports. That is how I discovered that I was even sent to collections since I was never billed by BMG or National Credit Solutions - ever. The good news is that one - working on number two now - of the credit companies was able to remove it from my file as inaccurate. The third one is a problem for me at this point.

I also spoke to my lawyer and he suggested I send letters to all parties involved. That is where I am now - awaiting the matter to be rectified. If it is not - my next steps will be to file a complaint with the Federal Trade Commission, my local District Attorney, the Better Business Bureau, as well as my City Controller. I can even take them to court! If enough people are involved - who knows - maybe we can have a class action suit against them. They deserve it - for going after people that do not owe them any money.

If you file a claim in court for BMG/NCS misusing your credit for their personal gain or if they have illegally re-aged your account, etc. you can also take legal action - and can win $1,000 for each violation in court. So I for one am not paying anything to BMG or NCS - I absolutely refuse - it is about principal. They just cannot do anything they want to citizens who have done nothing wrong. Please exhaust all of your options before even considering to pay any false collections bill.

I am currently trying to get approved for a morgage loan to buy my 1st home. I spoke with a broker and when she pulled my report she found the same collections claim that I'm seeing so many other seem to have. NCS is trying to collect $140 on an account with BMG. About 4 years ago now I had an account with BMG for there DVD club, as part of the terms I needed to buy 5 or 6 dvds, I bought all but 2 of the requirement. Time went on and I found no movies that interested me in buying till finally time ran out and bmg claimed I owed them roughly $45 to the owed 2 movies... so I payed it and they mailed me 2 vouchers for 2 movies.

I selected 2 and rather then getting them, I get a letter saying that I'm not allowed to select them, but I didn't get 2 new vouchers to select 2 different movies, and my account had been closed. so I took this as lesson learned and never delt with BMG ever again. It would seem that now 4 years later in an attempt to save themselves from chapter 11, they have come up with the scheme to file false claims on past customers to leach more money from us. So I say to those who read this and dont know what to do... pay the collection fee then print off all the other complaints like this and file a complaint with your DA and the Better Business Bureau, against both BMG and NCS for trying to collect on a false claim. As a result my Credit Score has taken a drastic drop

I entered into a contract with BMG music service, wherein if I bought the required number of CDs -- which I did -- I would receive two free CDs per year for life. BMG is now reorganizing and will no longer honor that contract. Loss of 2 CDs/year for the remainder of my lifetime.

I pulled my credit report recently and found a collection notice for a BMG Musica account that defaulted for $169. I have never been a member of BMG, nor have I received any informaton from the, but somehow they were able to access my SSN and opened an account in Dec 2008, which was defaulted and sent to collection March 2009. My credit score dropped 80 points as a result of this fraudulent entry, and that further resulted in several creditors lowering and/or cancelling my credit cards, which were all in good standing.

I pulled my credit report this month to find out why my credit score dropped over 40 points in just 2 months. I find that Experian is listing a collection from National Credit Solutions for a $174. I submitted a dispute with Experian and they have verified that it is my account, it is not. I have not done any business with BMG in a long long time and never in 12/08 as they claim. I have never received and bills from BMG or any collection notice from National Credit. As I can see from this web sight, I am not the only one with this problem. I am not sure what action to take now.

I know that I do not owe this money to BMG. I don't understand how if I owed money it took them 5 years to put it on my report. I think they are full of [lies]. There should be a lawsuit brought against BMG by consumers who have had their credit damaged by false collections.

I pulled up my credit report and found out there was a "collection" listed. When I called the collection company to find out they said I owed $69.00 to BMG from an account opened October 2004 under my maiden name. I was already married and would not have opened any new account under my maiden name.

I do not and have not ever signed up for a CD club and refuse to pay for items I never recieved. While speaking to the Collection Agency they said "since it was only $69 I should just pay for it because it would cost more to have it removed from my record". I just don't find that to be the correct answer. Obviously this is some kind of scandel. The collection agency would not give me a number to the company or any contact information to try and resolve this issue through BMG. I would like help in trying to resolve this issue.

Well, I had no knowledge of having an account with BMG until I looked on my credit report. It says that I opened it in Dec 2008, I think. But I was just wondering if anyone could contact me about the issue, because i never signed up for anything from BMG music.

My wife called regarding a charge from NCS collecting for BMG on her credit report in the ammount of $208. As with most reports I have seen on this site, we did not order, nor did we recieve the cd in question. When NCS was contacted, they were very degrading and rude to her when she requested a dispute and explained why. She was told that the debt is valid and that she "needed to get her checkbook out and pay her bills." She was also laughed at, yelled at, was asked if she was done because they "had people waiting who really cared about their credit reports" and hung up on. Also when my wife said that they were not allowed to talk to her that way, she was laughed at more and told that they were allowed to and that my wife needed to pay her bills.

I informed them that we never ordered or recieved merchandise from BMG. She said that we did and that the bill is valid because we lived at the address at the time the cd was supposedly sent. I asked how she can verify that we recieved the cd and was told that since we never returned the CD, the bill was valid. I asked how could we send one back if we NEVER GOT IT to begin with. She then went on to say that they are not customer sales reps and all they are there for is to collect the bill. I asked for BMG's # and was told that NCS was fielding all of BMG's calls now. I managed to get an address out of her but unsure if anything will come from mailing BMG.

They were quite rude and even laughed at me when I told them that I had cancelled BMG years ago before I moved to Singapore in 2005. I told them repeatedly that I fulfilled my obligations with BMG MUSIC and cancelled my membership back in 2004. I moved to Singapore for work and been out here on a long term project. I have never ordered anything else from them since and haven't seen a single bill from BMG before then.

we were refinancing our house and this charge for $160 showed in collections, i contacted NCS and not only were they rude but they laughed at me when i told them that i had never done business with BMG Music. when i told the girl that, she laughed and said, "do you really expect me to belive that".

i have requested something showing where i ordered music from them and they told me they dont have to provide me with that because they are a billing service and when i called BMG, they told me i didnt owe anything. No one will help me. you can not charge someone for something they never ordered and someone should provide proof of something to that effect. i have never ordered anything from them, thats why they cant produce anything.

Upon contacting National Credit Solutions, I was advised that this is a BMG account that was opened several years ago in my name. I currently have a BMG account that has no balance and do not owe BMG the stated amount. I was told that National Credit Solutions can only accept payments and cannot make any other adjustments to the account, and that my only course of action would be to file a dispute with Experian.

This is an outrage!

I checked my credit report today and BAM a 50 point drop on my score. I needed a loan took out the loan and now I will be paying for the next 3 years with an astronomical interest rate. This company BMG Music does not ring a bell never heard of them never sighed up don't have a clue. But I do know what I will do if this is not removed from my credit report. I am a white male in his 30's what do you think frustrated white males in their 30's do that are angry at the world.

Time will only tell, BMG is from Oklahoma, I have the address and I am coming.

I have never not once recieved any kind of notice letter bill or anything else concerning this account. Agian how could a 13 year old sign any kind of contract to begin with? I am disputing with Experian but I wanted to be sure to bring this company to your attention. From everything I have been able to gather on this company they sent everyone notices that BMG account was seriously deliquent since 12/08. Don't you find it the least bit strange the same date it down for everyone?

today 04/28/09 checked my credit report on line and i have a collection for $188 from 12/08 I Have never received anything in the mail from this company nor contacted them in anyway. This is hurting my credit and ******* me off. Please someone help. I have never used this said company at any point in my life and i knw it wasn't my children as they have IPODS and own only few CDS received as gifts from family, also they are all to young to use the Internet or fill out order cards.

I just found out as of March 2009 BMG has reported on my credit report I owe $185. I have never in my life had an account with them. I am trying to buy a house right now and this does not look good. I buy all my music from iTunes and I watch movies through net flix. I am very upset. I am having a hard time get a home loan I'm only a few points away from qualifying.

One fine day I couldn't access my Amex card for some reason at the near by Walgreens. So I call Amex and they tell me that they canceled my credit card because a Collection has been reported on my credit score and then I got to Experian and dispute. This so called NCS credit soultions handles BMG cases. So, I call them and ask them what is going on and then the female tells me that I owe something to BMG music years ago.

I have no idea and I requested for proof. I got a letter from NCS telling me that I bought a CD from BMG LOS LONELY BOYS.. LOL i dont even know who they are ? worth of some 22$..dont know when ..the letter doesn't show the date I bought it ..and the letter is not signed by any person. it just says..Compliance Department.. Also, I have email correspondences with BMG Customer Service during 2004 for similar acts they have done; asking them not to send CD's I dont request for and also to close my account.

I also have an email from them that they closed my account. But I guess they keep sending CDs to my old address after I moved. I am not sure how to handle this. My Credit score went 735 to 660. I am not wiling to pay either for the CD($22)or for the collection($143).

I received a credit alert that I had a derogatory account on my Experian Credit Report. I checked it and it listed a National Credit Services as collecting for BMG Music. I called them and they said it was an account from 2005 for $21 and they wanted $198. Plus I will be charged $3 a month until it is paid. They claimed that I was sent a letter to my address a month prior, which is not true. I am pretty upset! I used to have BMG 10+ years ago, but I did not do business with them in 2005. I don't like them and have not used them since I was a teenager. My perfect credit score of 760 is now 660.

I disputed it with Experian and sent NCS a certified debt verification letter. I don't know what else to do. This is not my debt! After I sent my DV letter to NCS, they sent me a dunning letter as required by law, but it did not have any useful information except where to send them money. I am happy to pay my debts- I had perfect credit until this. But I do not want to pay if this bill is not mine and even if I did pay them, who is to say they won't just leave it on credit report for 7 years.

How frustrating! I feel for those that are trying to buy a house right now with a similar situation. It is very possible that some of my lenders will lower my credit limits or even cancel my lines of credit because of this foolishness. I lost my job in August 2008, and I do not need this kind of thing messing with my life right now...or ever! My credit score dropped from 760 to 660 and may cause me other problems if my creditors veiw this as real and accurate. The mental stress, anger and frustration is beyond description.

In March of 2009, I recieved my credit report and saw that i had a 200 dollar balance on it from BMG Music Service that was negatively affecting my credit score. i have never ordered anything from this company and had never receieved a bill until i disputed this on my crediy report. Today, April 13, 2009, I received a letter from National Credit Solutions saying that i owe $200.84. when i contacted someone at NCS about this bogus matter, they informed me that the fees were justified.How? No signature, no SS number, no ID. Nothing.

this has affected my credit score so much that my husband I had to pay more closing cost on our refinance loan. this company had no phone number or address for me until i diputed them on my credit report. Can they actually get away with this? The woman from National Credit Solutions was nasty and down right rude. So rude in fact that she even hung up the phone on me. Are these two companies working together? I see many complaints about this on this website, please reassure me that actions are being taken to put an end to this scam. This can really take a toll on you. I have never ordered anything from this company.

Higher closing cost on refinance loan due to lower credit score. Overall frustration!

this company is on my credit report saying i owe some money i know i dont owe and i can not get in contact with this company my credit score drop

When I asked to be removed from this club my balance at the time was $0.00 owed. I never heard from them after my request. they had a sale so I decided to buy once more, but when I went to submit my order a page popped up informing me I could no longer order from them. so I assumed I had been removed from the club. I never received a email statinbg my attempted order was sent. suddenly I began getting bills for the order I placed, but was refused. the very first bill I received was a past due notice. I contacted them immediately explained the order did not go through because I am no longer a member, that I did not receive this order. I received a email stating I was no longer a member and my account would be credited for the order.

when I checked my balance it shows I still owe for one of the selections from that same order. I again contacted them and was told I owed for that single cd plus a late payment fee. I informed them yet again I never received that order I am no longer a member and I wanted my balance to reflect the $0.00 amount owed. they ignored every single word of my message and said they would send me a return coupon so I could return the unwanted cd to them. I angrily informed them I did not have the cd I never received it. now they are ignoring me completely and adding late charges to my balance. my next step is the BBB and the Attorney General!

They are sending me late notices pestering me for payment on a bill I do NOT owe and I will not pay!

When I asked to be removed from this club my balance at the time was $0.00 owed..I never heard from them after my request..they had a sale so I decided to buy once more, but when I went to submit my order a page popped up informing me I could no longer order from them..so I assumed I had been removed from the club...I never received a email statinbg my attempted order was sent..suddenly I began getting bills for the order I placed, but was refused..the very first bill I received was a past due notice..

I contacted them immediately explained the order did not go through because I am no longer a member, that I did not receive this order..I received a email stating I was no longer a member and my account would be credited for the order..when I checked my balance it shows I still owe for one of the selections from that same order..I again contacted them and was told I owed for that single cd plus a late payment fee..I informed them yet again I never received that order I am no longer a member and I wanted my balance to reflect the $0.00 amount owed..they ignored every single word of my message and said they would send me a return coupon so I could return the unwanted cd to them..I angrily informed them I did not have the damn cd I never received it..now they are ignoring me completely and adding late charges to my balance..my next step is the BBB and the Attorney General!

I found a charge/collection on my credit report for an overdue account that i did not open. I disputed it through the credit buraeu but how can I get this off of my credit report?

Obviuosly this account is in collection and is hurting my credit report.