Complain about a product or service

BMG Music Club

Lisa of Nixa, MO June 24, 2009

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...

april of norwood, NY May 31, 2009

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.

Mary of Dover, DE June 12, 2009

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.

Renata of Hardwick, GA June 8, 2009

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.

Kimberly of Lanett, AL June 3, 2009

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.

Steven of Memphis, TN June 2, 2009

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.

Yvonne of Davidson, NC May 29, 2009

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.

Samantha of New York, NY May 22, 2009

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.

Kimberly of Hopatcong, NJ May 13, 2009

I checked my credit report online and noticed I had a collections notice. It was assigned on 01/2009. I called Capital Assistance Group (listed as the Creditor) and asked what this was for. They told me that I had not fulfilled my agreement with BMG back in 2004 and that the amount due is 73. At first they couldn't even find me in their system.

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.

Chris of Conesus, NY May 20, 2009

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

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