Complain about a product or service

BMG Music Club

Heather of hackettstown, NJ September 16, 2009

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.

Twana of philadelphia, PA September 3, 2009

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.

Shannon of Supply, NC September 3, 2009

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.

Larry of Roanoke , VA September 3, 2009

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.

Joshua of Seattle, WA August 31, 2009

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.

Nicolle of Olathe , KS August 31, 2009

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.

Wayne of boynton beach, FL August 23, 2009

I had more coming to me too, and just tonight went on to get them and GONE! that sucks big time, Class action is needed here, just make sure they send real mail to our homes, I NEVER GOT THE E-MAIL!!!! TTTHHHIIISSS RRREEEAAALLLLLLYYY SSSUUUCCCK KKSSS, we need to start a web page about this, and get a lawyer, and with a web site everyone can sign up, and with a list of people, I know that some lawyer will see GREEN and take the case. They never sent me anything to say they where closing, and I never got my CD's.

Latrice of Portsmouth, VA August 20, 2009

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.

Lindsey of Johnson City, NY August 13, 2009

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!

Deandrea of Some City, MS August 8, 2009

I checked my Experian credit report today & noticed that there is a suprise collection entry on it from BMG MUSIC SERVICE CLUB/NATIONAL CREDIT SOLUTIONS stating that I owe them 248. Problem is, I don't nor have I EVER had an account with BMG Music. It says that the account was opened on 12/08 & that the balance date is 01/09. Who even buys cds this day in age?

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!

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