
Tom of Schenectady, NY on Nov. 26, 2010
As of November 10th, Hollywood Video has sent me to a collections agency (National Credit Solutions) because they say I owe $99.00 in late charges. I found this out by accident while trying to secure a loan for a new home, much to my embarrassment. I called National Credit Solutions and they told me I failed to pay $24 in late fees on the movie "Role Models" back in 2009. This is untrue, as I absolutely, positively paid Hollywood Video the $24 even though I shouldn't have. I remember this incident very well because my sister had inadvertently dropped this movie off at Blockbuster Video by mistake. When I next went to Hollywood Video to rent a movie, they informed me that I owed them $24. They broke it down as $9 for the late fee and $15 as a fee for sending an employee over to Blockbuster (only about 3 miles away) to retrieve it.
Of course they waited a few days to go get it; hence the $9 late fee. I countered by saying that they had my phone number on file, so why not call me? I would have been happy to go get it myself. The girl behind the counter gives me a blank stare, then looks at her computer screen and says, "It says here our manager tried to call you."
Now, I have had the same cell number for many, many years and have always gotten my messages, so I asked her if I could see her computer screen to check the number. She said no and hit a bunch of buttons very quickly. I asked to speak with the manager and she said he wouldn't be in until Thursday at 11 am (this was a Monday). Finally, I just wanted to forget the whole thing, so I paid her the $24.00. I never went back to see the manager, which in hindsight was a huge mistake.
That's what I get for being a pushover and not complaining. So, now we fast forward to the present. I'm buying a house and am sitting at the mortgage broker's office. She runs my credit history, which up until now was impeccable. I actually had one score above 800 and two 790's, which totally amazed my last real estate agent. Well, the broker gets the credit printout, looks at me and says, "You're in collections for video late fees?" That's the strangest thing I've seen in a while.
I was floored and embarrassed. Not only that, but my credit rating at one company plummeted all the way down to 663! Now I am at risk of losing a good loan opportunity and maybe even a chance at buying the house I want. All because Hollywood Video wants me to pay their bogus late fees for a second time! National Credit Solutions says that there is nothing I can do except pay the $99 since Hollywood video is out of business. There is nobody to call and double check on this error. It's just my word against theirs. I'm furious! Something needs to be done about this scam, but it seems that the consumer is powerless here. If I could, I would sue them for falsely ruining my credit score. This has caused severe damage to my credit score and possible loss of home buying opportunities.