Report: #428567

Complaint Review: Columbia House

  • Submitted: Wed, February 25, 2009
  • Updated: Fri, June 12, 2009
  • Reported By: Chicago Illinois
  • Columbia House

Columbia House, Experian, National Credit Solutions, Capital Management Ventures Columbia House National Scam - Class Action Lawsuit or Goverment Investigation Nationwide

*Consumer Comment: response regarding Experian

*Consumer Suggestion: More Research on these guys

*Consumer Comment: response to "class action lawsuit"

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Before going to buy a car I to pull my credit report about 3 days ago and I had discovered that I had a collection in the amount of $80.63.00 and the original creditor being Columbia House that was reported in my Experian credit report from this National Credit Solutions. I was so surprised because I never saw this item before until today. It was first reported to this company National Credit Solutions in June 2008. I never received any written notice, email nor phone message from either Columbia House nor National Credit Solutions.
I called Columbia House and they did not could not find any records of my account.
According NCS I have been purchasing some items and paying for some of them in 2002. They called me on 02.02.09 to collect $213.25 and this women on the phone was insisting on paying over the phone with a credit card. When I asked for a postal address and ask if I could pay with certified money order she was advising against it. After insisting she faxed me their mailing address with different person on the form.
National Credit Solutions
Blake Taylor Account Manager
P.O. Box 15779
Oklahoma City, OK 73155-0779
Tel: (405) 619-3630 or 1-800-384-0585
Fax: (405) 619-3631
Placement Owner: Jerry Evans
Two days later when (I just before leaving for Post Office to send a certified M.O. I have received a phone call from Chris Murphy of Capital Management Ventures (of Oklahoma City) asking for $80.63
I am not sure what is going on.
Is this like a good cop bad cop tactics? Is this legal?
Going back to Columbia House.
The women on phone from MCS told me that I the account with CH was opened in 2002.
I was bedriddin with CFS from 2000 to 2003 and I had no money nor intention to spend on anything but food and medication. I didn't have a credit card at that time. I have never open an account with Columbia House I didn't fill out any of their junk mail offers and was never contacted by Coulmbia House regarding this matter for 7 years. All of the sudden without any warning my credit score goes down the toilet.
Again according to CFS Columbia House claims that I have ordered some items and paid for some of them. They could not revel to me any details of my purchases.
And one more think that surprised me.
They read to me my SS# and ask me to confirm.
I never heard of any situation in which a person is buying a product over the phone or on-line and is being ask for the SS#.
Is it legal for them to obtain a Social Security Number?
Please Help.
How can I prove that I am innocent?
If they can force us to pay $60 or $200 what will stop them if they one day will claim we owe them a $1000 or $100000...?
Please let me know if anyone knows about or is interested in class action lawsuit against Experian or Columbia House.

Vertical horizon
Chicago, Illinois

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#1 Consumer Comment

response regarding Experian

AUTHOR: Maria - (U.S.A.)

I hate to tell you but that is typical of Experian. I have provided them with "legal court documents", letters from the actual source and they still always say the same thing; they have contacted the creditor and they say the account is valid. They ask you for proof but it doesnt matter what proof you send, they will only take the word of the bogus creditor.
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#2 Consumer Suggestion

More Research on these guys

AUTHOR: Coach - (U.S.A.)

In doing more research I think I found what the story is.

CMV (Capital Management Ventures) is a debt buyer, they bought the debt from BMG and Columbia House (BMG and Columbia House are part of the same company)
CMV is not related. They apparently sold a bunch of old stuff to a number of companies along with these CMV guys. In other Ripoff Report entries Capital Assistance Group is another buyer who must have bought a ton of BMG business.

CMV apparently doesn't do anything other than forward whatever they buy out to collection agecnies to collect for them which is where NRA comes into the picture.

It looks like NRA and a company called NCS collect most of the purchased BMG paper.

All I can get when contacting COlumbia House is that the businesss was sold to whomever and I should contact them.

The guy at CMV was the nicest of the people I spoke to, he at least answered the phone and returned my call. NRA was a typiclall collection agecny, and Columbia House couldn't get me off the phone quick enough. I'm sure they were happy taking the money from CMV though.

The CMV guy said as far as he could tell almost everyone actually owed the money but said he thinks Columbia House never told the people of their final balances and the addresses that are used by the agencies are old. He said that from what he understood the collection agecnies have been told to delete stuff off credit reports when the customers pay since they were probably not notified correctly by Columbia House in the first place.

Not sure if this helps but I figured I'd share what I found.
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#3 Consumer Comment

response to "class action lawsuit"

AUTHOR: Maria - (U.S.A.)

I would definitely be interested in a class action lawsuit against Columbia House, CMV, National Recovery and especially EXPERIAN. I have been battling Experian for 4-5 years now with an account. They dont care what legal proof you have (even though they ask you to send them proof). If the creditor says the account is valid, they wont remove it no matter what you send them. I sent them legal court papers on an account showing I didnt owe the balance. They initially removed it several times only to keep adding it back. Thats another thing; the guidelines say you cant add back a previously deleted account without notifying the consumer first and they did no such thing. Eventually their excuse is the credit says the account is valid; the court documents mean nothing. I also sent them copies of numerous letters on another account from the actual creditor stating they had notified the bureau to remove the derogatory info, but they still kept saying the creditor stated the account was valid. Did they think I printed those numerous letters?? I even sent them the return envelopes after their initial refusal. Nothing. All they will do is document the file stating you dispute the report and it takes an "act of Congress to get them to do that". And that means nothing as most companies go by credit score and a comment you dispute the item does nothing for your credit score. Most credit inquiries are electronic also and most companies dont even see the disputes.
Also as far as Columbia House and CMV, at first I didnt know or had heard of either of these companies. But when I got to researching and saw that CMV was with Columbia house, I remembered about 4-5 years ago (shortly after I moved to Texas), I got a letter (I dont remember it being CMV, thought it was another company) stating I owed the $51.00 to Columbia House. The collection agency from what I remembered showed the same address as Columbia House. I called Columbia House as I had no idea of anything I owed to them and I had a current account with them. They said I had an old account that I didnt buy the requiired number of items and they were charging me for 2 videos. I didnt buy that as I said it is very doubtful that they would have opened another account for me if I didnt fulfill the agreement on a past one. Anyway they said once I paid, I could choose 2 videos from a selected list they would send me. So I agreed since I wasnt loosing anything. AFter I paid & selected the videos, I specifically asked them did they notify CMV (or whoever the collector was) and they said yes, they took care of it. I never heard anything else until now.
So, proving who is lying, Columbia House (did they really tell the collector it was paid) or CMV or whoever (did they disregard that it was paid and sell it to National Recovery as an unpaid account and get paid their fee for the account illegally? (even though as I've heard its probably a few cents on a dollar).
Now National Recovery definitely violated the regulations mentioned under the FDCPA. They did not notify me and give me my 30 days to dispute nor did they validate the debt. They immediately dinged my report for a mere $51.00 and dropped my score 42 points. I called the number that was listed for CMV and got National Recovery and spoke to a Rashad. He was totally rude and unprofessional and said he did not have the address or phone number to CMV and would not give it to me if he had it. He did finally say he would file a dispute and they would contact CMV and to call back in a week and chances are it will be deleted but from the comments on this website, I wont hold my breath and being we're dealing with Experian, I definitely wont hold my breath. From the comments on this website, I guess I'm lucky so far that no one has canceled my accounts or dropped my credit limits but I still wont hold my breath on that either.
Yes, if you know how to get a class action started against Experian, National Credit, Columbia House and even CMV, yes I'm for it.
Round Rock, Tx
(((ROR redacted)))
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