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rhona
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Subject: capital assistance group
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Wed Apr 29, 2009 11:03 pm
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| i was looking at my credit file and this was on there saying i owed 120.00 with no phone number to reach after reading on here i seen a 1800 num so i called and lady answer the phone and told me i owed bmg since 2005 explain to here never heard of this what is it and she stated movies or dvd she gave me an address to dispute this which is po box 67015 harrisburg pa 17106 so this may help someone that is trying to get a hold of these people i also dispute it on line also |
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Angie
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Subject: Reeks of Scam
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Thu Apr 30, 2009 3:44 am
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My husband has BMG Music Service listed on his credit report stating he owes them $222 for an account opened in December 2008 and reported on January 2009 with comments of "seriously past due". Interesting for a supposed one month span.
First, he's never ordered from BMG and neither have I. Second, the name is "Marin" instead of "Darin" and third, no one at BMG can tell me anything about the account except the account number and name. They don't know when it was opened, what was ordered, by whom, or where it was mailed.
I talked with Vivianna on March 10th who said she would have the information taken off his credit report and to give it two weeks. Well, it's been six weeks and nothing. I called again today not realizing I'd already talked to someone at BMG until I went to write what transpired in my notes and realized, duh! I'd already talked to them.
So several calls later and FINALLY a supervisor and she doesn't know anything and tells me what everyone else has...that they'll escalate it to a claim in another department (no official name for that department) and then it'll come off the credit report. This woman didn't even know the name of the collection agency involved. I know it's Capital Assistance Group because when the 10 digit account number into the automated 800 number for BMG, I got a recorded message stating Capital Assistance Group has it now.
I don't know when the date of this purchase supposedly took place. We never received anything in the mail, not even at his parents, which is where he often gets junk mail for "Marin". BMG reps are totally clueless about ALL of it and this reeks of a scam.
I'm going to be sending a DV to both CAG and BMG and dispute it with Experian, the only it shows up under. How they got his SSN to put this debt on there, I'd really like to know. Even more, how they came to the conclusion that he owed something to BMG. We rarely buy CDs or DVDs and then we get them from Walmart or Target. |
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London
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Subject: Capital Assitance Group
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Mon May 04, 2009 2:40 am
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| Well I have the same thing going on. Capital Assitance Group is posting that I owe a debt of $173.00 for a charge with BMG/Columbia house. I have never had an account with them. I also have never heard about a company by the name of Capital Assitance Group. I have left them many messages and they are not returning my calls. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 686
17396 Magic Points
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Mon May 04, 2009 9:10 am
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Since they have already listed the debt in your credit report, you need to send them a debt validation letter by certified mail with return receipt. The creditor has to stop the process of debt collection till the time they validate the debt. However, if they do not validate the debt, dispute it with the bureaus. You can find sample dispute letters if you visit the link letters of credit.
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Where there's a will, there's a way !! |
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edieb
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Subject: CAPITAL ASSISTANCE GROUP
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Mon May 04, 2009 3:19 pm
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| I ALSO HAVE SOMETHING ON MY CREDIT REPORT FROM THEM...DISPUTING IT WITH ALL 3 AGENCIES...LET YOU KNOW WHAT HAPPENS... |
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kevzona
Joined: 08 Apr 2009
kevzona's page
Posts: 4
122 Magic Points
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Tue May 05, 2009 5:34 pm
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| On April 9th I sent a DV letter to NRA. They just sent a letter back stating I owe the amount. Is that a proper validation? I have my doubts. I disputed with Experian. They validated it and won't allow me to dispute it via their website again, though I do have the option of sending Experian a letter. I am mailing NRA another letter I found on creditnet.com asking them to provide proof I owe the debt. Any other thoughts, suggestions? It comes off my credit report in August. Should I pay the $55 I don't owe to improve my score or just wait it out? Thanks. One more thought...maybe all of this recent activity is due to BMG Music Service going out of business not long ago. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 686
17396 Magic Points
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Wed May 06, 2009 7:55 am
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As a proper debt validation, the creditor must send you details of the debt including the amount you have already paid and the amount outstanding including interest and other fees. The FDCPA requires both the bureaus and the creditors to remove incorrect information. I think that you should dispute the debt with the bureaus by certified mail with return receipt.
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Where there's a will, there's a way !! |
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kevzona
Joined: 08 Apr 2009
kevzona's page
Posts: 4
122 Magic Points
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Wed May 06, 2009 2:29 pm
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| Thanks for the advice. Will keep ya'll updated. Wish me luck! |
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megan snow
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Subject: bmg national recovery
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Sun May 10, 2009 5:30 pm
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| This debt showed up out of nowhere. they said that it is from 2004 it showed up in april my score has dropped 150 pts. I tried to dispute this but, it came back as verified. i don't know what to do. somebody help me PLEASE |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 446
10878 Magic Points
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Mon May 11, 2009 6:28 am
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Hi megan snow
Did you get any prove in writing that you owe the debt, such as a signed contract with your original creditor or a promissory note? I am sure if you do not owe the debt then National Recovery wont be able to produce these documents. According to the Fair Credit Reporting Act the collection agency cannot report an outstanding debt, if they have not been able to validate it. But because your scores have gone down it proves that they have reported it. Send a written notice to National Recovery either to remove the negative remark from your credit report or to face the law. Wait for about 2 weeks and still if your credit report is not corrected take legal help on account of violation of FDCPA. Send copies of the lawsuit papers to the collection agency(CA). Keep me updated about any further progress.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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Veronica
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Wed May 13, 2009 6:20 pm
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| I also had a collection pop up on my credit report from National Recovery Agency for Capital Assistance Group and it just so happen I am in the process of buying a house and refinancing another. i have disputed the collection account with experian and they did not take it off. i told them it did not belong to me. they have my name but an address i've never lived at and phone number i've never had AND the debt was from 2005. i'm going to report it to the BBB as suggested by mc78 |
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tpratt
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Subject: BMG
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Thu May 14, 2009 12:31 am
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| A debt from BMG/Columbia House reported a debt to Capital Assistance in the amount of $159.00. I was able to get a little information from the credit report. The merchandise was sent in my maiden name to an address that is seven years old. It was opened and turned over to collections in less than one year. I think this is a scam too. I am trying to get it removed from my credit report but would like my information removed from their mailing list so this doesn't happen again. Any suggestions please? |
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rachael
Joined: 11 May 2009
rachael's page
Posts: 234
6581 Magic Points
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Thu May 14, 2009 7:01 am
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Hi tpratt ,
You should sent a debt validation letter to Capital Assistance through certified mail with a "return receipt requested". Under the Fair Debt collection Practice Act, if they are not able to validate the debt within 30 days the collection agency should cease any further contacts. In case they are able to validate the debt you should check the Statute of Limitation(SOL) period in the state you live. If the debt is past the SOL period, send a dispute letter to the credit bureau and get it removed from your credit report.
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Looking forward to a debt-free life. |
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Mallik
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Subject: CAPITAL ASSISTANCE GROUP LLC
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Tue May 19, 2009 12:56 am
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here are the details..i am in same boat too..disputed it with my credit agency and with Capital assistance group
4201 Crums Mill Rd
Harrisburg, PA 171122893
(717) 540-5612 |
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pamela
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Subject: NRA
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Fri May 22, 2009 2:01 pm
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| I pulled my credit report today and saw that a collection was on there from NRA for $58. This is a shock because I have never heard of this company or anything. It is weird that all of a sudden this is happening to so many people. mc78 made a good point about the BBB. WE ALL NEED TO GO TO BBB.ORG AND FILE A COMPLAINT AGAINST CAPITAL ASSISTANCE GROUP! THERE IS POWER IN NUMBERS. I have disputed this through the credit bureau also. |
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