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Carol L
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Subject: continued
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Sat Apr 11, 2009 7:06 pm
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Couple more things...I have never recieved any letter in the mail, no email or any other form of communication related to this debt?
If this does turn out to be valid from something years ago...what is the time frame for them to report it to the credit agency...5/6 years???
I live in Texas |
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Lucas
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Sat Apr 11, 2009 9:05 pm
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My wife just got dinged also. Shows up from NRA, and original was Capital Assistance Group. I called NRA and they said it was for BMG dating back to 2004. They had her address that she used to live at, but she never lived there in 2004. Furthermore, she has never used BMG.
This has to be some sort of scam. After googling NRA, NCS, and CAG, I'm starting to find a lot of the same stories from people just like us. In fact, a lot of the numbers are exactly the same. My wifes was for $54.00. I've already found 2 other people with the same dollar amount, and the same dates reported. What are the chances of that? This screams of scam!!! But how did it get all the way to the credit bureau?
We will be sending a DV letter to NRA, then disbute with the Big 3, and then possibly seek legal action. Another thing I've noticed is that a lot of these victims are in the middle of purchasing a house, refinancing, or trying to rent a new house. We are in the middle of purchasing a house, and this just popped up at the end of March. It dropped her high score 60, mid score 40, and low score 120.
This is an absolute nightmare. Please post up any info you might have on these scumbags.
Lucas |
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John
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Subject: Sent Letter to Capital Assisaynce group
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Tue Apr 14, 2009 1:49 pm
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| Just sent a letter to them certified and it was returned for insufficent address...this is a scam and what do I do now?? NRA says I owe $66 of which i never had an account with BMG...can't we do something about this?! |
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Duke Lavery
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Subject: BMG/ National Recovery (continued from Lucas)
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Tue Apr 14, 2009 5:40 pm
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Lucas, Same thing happened to me. I just got dinged by National Recovery for a $46 charge they're claiming is from BMG. And I, too, am in the midst of buying a home.
I have had perfect credit/perfect payment history for at least 7 years now and then all of a sudden this pops onto my report from nowhere, so the original debt, if it's even valid, has to be at least 7yrs old.
I need to get it off my report and restore my FICO scores.
The creditor listed on my reports is Direct Brands, Inc, the umbrella company for BMG, however it was reported BY National Recovery Agency.
Questions for everyone:
1. Should I try disputing via the credit bureaus?
2. Should I (either instead of 1 or in addition to) ask for a DV? If so, from National Recovery or Direct Brands/BMG?
3. Should I then try for a PFD, and if so, again should I be trying to negotiate that with National REcovery, DirectBrands/BMG, or both?
I'm also wondering if calling the PA state attorney general's office (where National Recovery is located) may be worth a try. |
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Lucas
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Wed Apr 15, 2009 2:21 am
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John, what address did you send yours to?? I sent out a DV letter today to the following address: 2491 Paxton Street Harrisburg, PA 17111. I'm just wondering if it's going to get returned also.
I was going to wait the 30 days before disputing with the Big 3, but if it gets returned, I will probably phone dispute with them right away.
There is obviously something wrong going on here. There are way too many people in the last 2 months with the same thing happening. John, how did you find out about yours? Were you also in the middle of house, apt, refinance, etc?
Lucas |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Wed Apr 15, 2009 6:02 am
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Yes, you can send debt validation letter at any of the following addresses:
2491 Paxton Street, Harrisburg, PA 17111 or
P.O. Box 67015, Harrisburg, PA 17106-7015
You can also call them at 1-800-360-4319
In the meanwhile you can definitely dispute the debt with the credit bureaus. The bureaus will verify it with the creditor and get it removed from your report.
_________________
Keep in touch
Carol |
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Lucas
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Wed Apr 15, 2009 12:00 pm
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Hi Carol, thanks for the info. What is the best way to dispute with a Bureau? I would like to call them, and explain to them exactly what is going on, but if it is better to do it by letter then I will. Or, would online be the best way? Thanks for any help.
Lucas |
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Todd
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Subject: Capital Assitance Group, LLC
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Fri Apr 17, 2009 3:05 pm
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| I pulled my credit report last week because I am getting ready to buy my first home and have a negative report from CAG, I called them to find out more information and it is a BMG acount from sometime in 2002, this account was not opened until 01/01/2009 and reported 03/20/2009. Do they have the right to open an account from 2002 in 2009? |
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gemini123
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Subject: bmg/ncs
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Sun Apr 19, 2009 12:31 pm
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| These people screwed my credit up dropped 100 points i never purchased anything from them and this debt just popped out of nowhere there are several complaints online about the same company about the same time. They sent me a letter with the debt I owed anyone can make up an account# and say hey you owe us this. I think they should be brought to justic. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California
29555 Magic Points
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Mon Apr 20, 2009 5:57 am
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Hi Gemini
You should send a dispute letter to the bureaus asking them to remove it from your report. The bureaus will verify it with the creditors and remove it from your report. In the meanwhile you can send them a debt validation letter by certified mail to the creditor. As a proper debt validation the creditor must provide you with complete details of the debt, including, the amount you owe, and the name of the original creditor.
_________________
Keep in touch
Carol |
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Holly
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Subject: Credit Assistance Group
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Tue Apr 21, 2009 11:29 pm
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| Same think happened to me. Apparently BMG sent a video to my grandmothers house in my name. My grandmother never returned it, so that automatically signed me up for 2 years! You can fax the company a dispute letter (Fax - 800-360-9954) as well as disputing via the credit bureaus. |
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Subject: Capital Assistance Group
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Thu Apr 23, 2009 12:32 am
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| I put in a complaint online with the FTC about Capital Assistance Group and BMG Music. Maybe if enough people complain, they can launch an investigation on the governmental level. |
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Thu Apr 23, 2009 4:46 pm
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| Capital Assistance Group is terrible. I have called and called with no return call. When the voice mail came on, I kept hitting "0" and then it would ring again. I did this many, many times! Finally, a lady answered and she was rude. She told me that she could not help me. I just told her that they had 30 days or I was getting my attorny involved. I am also mailing them a certified letter stating that I should not have their claim on my credit. It says BGM music service in which I have never used. It really is frustrating to me! |
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Mc78
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Subject: Capital Assistance Group
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Wed Apr 29, 2009 4:02 am
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| I also had a $66 item show up on my credit report. I disputed with my Experian credit monitoring service through my financial institution. However, the dispute came back and the item remains on my credit report. I had another item supposedly with BMG, which was removed as a result of the same dispute. I sent another dispute through my Experian credit monitoring service claiming this to be fraud. If this does not resolve the issue, I will do as some people have suggested and send the debt validation letter and if this does not work I will also consider legal action against CAG as others have suggested. |
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mc78
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Subject: Update
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Wed Apr 29, 2009 4:28 am
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| I also filed a complaint with the Better Business Bureau. You can look up CAG by going to bbb.org. People can file a complaint with the Fort Worth branch online. This is a fairly simple process and if enough people file a complaint, others may be spaired from having to endure what those of us who have already been affected have been through. |
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