National Recovery Agency / NRA Group review: never received merchandise they are charging me for. 53

Just because its verified does not mean its been validated. You have to request in writing PROOF of validation of debt. Contact your FTC. class action lawsuit will do you no good. The FTC and my attorney general helped me out a lot with my dispute.

Recently my husband and I applied for a mortgage. At the end of the underwriting process we were denied. When our credit was pulled again at underwriting, new collections came up from National Recovery Agency. I have no idea who the original creditor is. NRA, LLC is listed where that information should be provided. This agency started collecting the month our original credit report was run. The odd thing is they began reporting at the same time on both of our credit reports for multiple collections (all which do not list the original creditor). I find it odd that this has happened to others in the middle of the mortgage approval process. I wonder if this is coincidence?

Ok so i do not knw nuthin about any of this ive never even taken nething out on credit or nething n it says i owe money which is so stupid does anybody knw who i call or who i contact in order to get rid of this

I am 38, I have never had a credit card. Didn't even have a debit cart till recently. If I shopped on-line I used a pre paid card or gift certificate. I finally got a credit report because I am considering opening a store card for large purchase(new washer and dryer). West Bay Acquisitions shows up for $120. I am not a fan of shopping as a hobby. I didn't get in step with plastic till it was unavoidable. If I didn't have the cash in my pocket, or saved for a purchase I didn't buy it!
Something rotten is going on, how can I have bad credit when I have never used credit or had loans? Anything I have bought until recently was with cold hard cash.

I ALSO JUST SEEN A COPY OF MY CREDIT REPORT AND HAVE A BOGUS $31 SENT TO COLLECTIONS, I NEVER EVEN HEARD OF THIS PLACE NOR DO I ORDER CD'S/ IM TICKED! DOES ANYBODY HAVE A WORKING NUMBER FOR THIS PLACE?

I had a similar situation, National Recovery Agency was reporting negatively on my credit report that I owed $106 to West Bay Acquisitions. You need to look online and get a letter template for a debt validation. Make sure the letter quotes the law on fair credit reporting. They will have 30 days to validation (not verify, validate) the debt. If they can't validate it, they must delete it from the credit report. I sent them a letter for debt validation and within 1 week they responded with a letter stating that the debt was closed and they were reporting to the credit bureau that the debt be deleted! You can use the debt validation process with any debt on your credit report. Very helpful tip

I was 14 years old when they said I got charged for this bs, its 27.70$ but still, I was 14 how do I even get on a credit thing at that age anyways? I never even thought of living in the house I am now and they just find me. This makes no sense.

I just found a $70 hickey on my credit report thank to these folks - what is all of this about? Never heard of these people. These folks are scammers and need to be stopped.

I am the same as Deanna! I have a negative remark from this company on my account and I have never heard of them. It was for 106.00 just like another person on here. I am disputing it through the Credit Bureaus. It's really sad because some people may have actually paid the charges these people are claiming they owe without investigating fully.

I am in the same boat! I have a $66 charge on my credit report. I completed the dispute form and contacted Columbia House. Columbia House claimed that West Bay Acquisitions has advised that they closed the account and removed the charges, but Experian's response to the dispute is that the charges "remain". I contacted Nat'l Recovery Agency and they have no record of the debt. I am at a loss... I don't know how to get this off of my credit report.

West Bay Acquisitions, LLC, is a collection company at PO box 8009, Cranston, RI 02920. The phone number is [protected]. They just sent me a bill for rentals from Hollywood Video and Movie Gallery from May through September of 2009 for one of the stores in my Pittsburgh neighborhood that closed some time ago. The videos all looked like things I would have rented. But be clear that I did not owe Hollywood Video any money -- my account was paid in full when they closed. There are numerous complaints about others receiving similar dunnings for videos they either paid for or never rented. Given the state of consumer protection in the country, I would not be surprised if this perfectly legal. They probably figure that some portion of those dunned will pay up to avoid the risk of this going against their credit rating. I think it entails a threat and is extortion. The process outlined by the Federal Trade Commission is that you notify the collector (West Bay Acquisitions, LLC) in writing that you dispute the debt within 30 days. Also, it is probably a good idea to file complaints with the Federal Trade Commission at 1 877-FTC-HELP, your state, the Better Business Bureau, and maybe some on-line watchdogs. This is not legitimate business, it is an opportunistic crime.
Bob King
Pittsburgh, PA

02/16/13
Pretty crazy...I received notice stating I owe $17.94 in late fees for two game rentals from a store that has been out of business for 3+ yrs. Going to contact and see what court & case number gave them the authority to attempt to collect on fraudulent charges. Also will notify them that if they do not immediately cancel and close said account a letter of intent or defamation, fraud and criminal mischief lawsuit at their expense will be soon served to them by local sheriff possibly fallowed by class action suit. All documents and reports will also be entered into FBI for criminal enterprise review. In other words they're ###ed..=)

They just called for my husband claiming he owes money for a credit card opened in 2006. Well first off it was 7 years ago, they can't collect even if he DID have a debt. Second, we don't do credit cards. We have a debit card. When I said this he said we were lying. The address they had on file was an address we lived in almost 8 years ago.