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National Credit Solutions / Derogatory Mark on Credit Report

1 WI, United States Review updated:

My new husband and I decided to go on the market for a house. Submitted a quick app with the bank and found that I have a $118 charge on my Movie Gallery account. If I had a late movie there, it was probably at least three years ago. We have since gotten On Demand with our cable company and stopped renting movies when we could get free ones. I was never contacted once about this; and I know for a fact that I was charged an extra rental because I didn't return it in time the night before. But I RETURNED IT the next day! I haven't stepped foot in the place since, and have received phone calls from them periodically telling me I won a free rental, but never saying, "Hey, you have a balance here. Come pay, please." Even in their last months of being open, I never got notified of anything. I figured at least I'd get something in the mail. No. Bam, on my credit report. I was thinking I was going to pay it, too, but wanted contact information (since it wasn't given), so I Googled the business name and what did I get? Plenty of complaints. I'm thinking the amount they're trying to sock to me is so high is because they want me to pay the damned legal fees. One local phone call from their store could have fixed this whole thing months ago.

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  • Co
      17th of Dec, 2010
    +1 Votes

    I researched this on the Internet and found we are not alone. See Below----

    If you owe it, pay it. BUT, If this debt is not accurate:
    • Go Here and Create a Debt Validation Letter. Learn about your rights and send a letter to NCS using the template VIA certified Mail Immediately. or or
    • Read This and Know Your Rights: and
    • Call Experian to file a dispute IMMEDIATELY: 1-866-853-0303
    • Call The Federal Trade Commission to file a complaint about NCS: 1-877-FTC-HELP (1-877-382-4357)
    • Go here: to find your Attorney General and File a Complaint with Consumer Protection about NCS
    • Lastly- File A Complaint with the Oklahoma Better Business Bureau on NCS

  • Ta
      3rd of Jan, 2011
    0 Votes

    I ran my first credit report last month (Dec 2010) and to my dismay there was a Negative Item on my report from National Credit Solutions, Oklahoma City, OK for $99 - Original Creditor: Movie Gallery as of November 2010. The last time I rented a video was early 2009 and at the time was not told of an outstanding balance much less an overdue video. I too contacted NCS by phone after reviewing my credit report and was basically told that Movie Gallery did not have to notify me that I had an outstanding balance. They were more concerned about getting paid. Not more then a day later, NCS sent a First-Class Important Notice Dated Material letter notifying me of the Past Due Account. I did not even ask them to do that. It's funny how they decide to send a letter after I made the call. I never received anything in writing from NCS prior to my phone call. I decided to do some internet checking and now I see why. After reading some of these complaints about NCS they do seem as though they are out to make a buck. Movie Gallery filed for bankruptcy in May 2010 and all stores were closed July 2010. How can consumers be kept safe with companies such as National Credit Solutions allowed to tarnish a consumers credit report.

  • Co
      3rd of Jan, 2011
    0 Votes

    Hi Tarnish:
    See my post above, dispute it with experian most importantly and call the FTC!

  • Ta
      5th of Jan, 2011
    0 Votes

    I plan to, but please see the following link to the Attorney General of Florida website:
    Case Number: L09-3-1237, Subject of investigation: National Credit Solutions, LLC, a/k/a NCS of Oklahoma, LLC, The Capital Assistance Group, LLC
    AG unit handling case: Economic Crimes Division in Tampa, Florida
    Someone is listening!

  • Sl
      10th of Jan, 2011
    0 Votes

    I had a similar experience, noticed a derogatory mark on my credit report from NCS on 12/15/2010. I called and got the threats etc, as others have mentioned. They claimed I owed $120 for movies I rented from Movie Gallery in April of 2010. I had the powerplay service but in May of 2010 I discontinued that service and closed my account. I sent a certified dispute letter Tuesday (1/4/2011) stating the above and today (1/10/2011) the account is no longer on my account. Credit score is back to what it use to be (went down 37 pts.). It seems that they are counting on folks not wanting to go through the rigmarole of disputing a claim to get easy money. Fight 'em if you don't owe the debt. Good luck.

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