This business is not BBB accredited.

West Bay Acquisitions, LLC

Additional Locations

Phone: (888) 737-7608 PO Box 8009, Cranston, RI 02920 http://www.westbayconsumer.com ! West Bay Acquisitions, LLC is Believed to Be Out of Business !


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Description

West Bay Acquisitions, LLC is a Rhode Island based accounts receivables management provider. The company purchases and services distressed consumer debt portfolios with a focus on low balance consumer receivables. They are a third party debt collector, in addition to third party debt collection services.


BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • This business has no rating because BBB has information indicating it is out of business.

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Customer Complaints Summary Read complaint details

749 complaints closed with BBB in last 3 years | 5 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 7
Billing/Collection Issues 693
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 48
Total Closed Complaints 749

Additional Complaint Information

West Bay Acquisitions, LLC provided debt collection services for the Hollywood Video & Movie Gallery accounts from September 2011 through June of 2013. The collections were done via mail. Consumers who appeared to owe debts to the Hollywood Video and Movie Gallery accounts were sent a letter from West Bay Acquisitions, LLC with information including who the original creditor was, who owned the account, when the account was opened and what titles the debt collection was for. West Bay Acquisition, LLC states that they were collecting on the lesser of either the late fee or the replacement cost as contracted by the Trustee and complying with the Agreed Order.  The business also states that at no time were any Hollywood Video consumer accounts ever reported to any credit reporting agencies.

Customer Reviews Summary Read customer reviews

21 Customer Reviews on West Bay Acquisitions, LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 1
Negative Experience 20
Total Customer Reviews 21

Additional Information

BBB file opened: September 17, 2009 Business started: 10/01/2008 in RI Business incorporated 10/01/2008 in RI
Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Todd Harraka, Partner
Contact Information
Principal: Mr. Todd Harraka, Partner
Number of Employees

15

Business Category

COLLECTION AGENCIES Collection Agencies (NAICS: 561440)

Hours of Operation
M: 9:00 AM - 5:30 PM
T: 9:00 AM - 5:30 PM
W: 9:00 AM - 5:30 PM
Th: 9:00 AM - 5:30 PM
F: 9:00 AM - 5:30 PM
S: Closed
Su: Closed
H: Closed
Method(s) of Payment
Personal Check
Business Check
Cashiers Check
Money Order
MasterCard
Visa
American Express
Discover Card
Referral Assistance

The following Government Agency(s) or Association(s) may be able to provide you additional information:

Federal Trade Commission FTC 600 Pennsylvania Avenue, N.W., Washington DC 20580 Phone Number: 202-326-3300 or (202) 326-2222 Fax Number: 202-326-2012 http://www.ftc.gov secretary@ftc.org

Industry Tips
Collection Agencies Working with Debt Collectors - 5 Tips - Video

Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    1540 Pontiac Ave

    Cranston, RI 02920

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 8009

    Cranston, RI 02920

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

11/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: hello how are you my name is **** ******* and im making this complaint because in my credit report shows one account open for colletion for $86 from something i did not buy i would like full investigation on the case and i want to remove the account from my credit report thank u very much .

Desired Settlement: i would like a full investigation on the case and to clear my credit report

Business Response: In response to case #******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions handles are verified by the issuer to be accurate and valid debts.
 
This particular account originated as a ********** **** ** *** ***** **** account, opened in the name of **** ******* on 1/16/08 and was left unpaid with a balance of $86.24.

Our review of the records for this account shows that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

10/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: west bay acq opened an account on my credit report with Transunion stating that I owed $94 dollars for some bookclub. It is now on my credit report and is ruining my score. I don't have or have ever joined any book club and don't owe any money to any book club. Irritates me that people and companies can just make up bogus claims of debt and put it on credit reports and ruin your credit without first showing that the debt is valid.

Desired Settlement: I would like this entry on my credit report to be deleted as soon as possible. thank you.

Business Response: In response to case #******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions handles are verified by the issuer to be accurate and valid debts.
 
This particular account originated as a History Book Club account, opened in the name of *** ******* on 4/28/08 and was left unpaid with a balance of $93.78. 

Our review of the records for this account shows that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

*** *******

9/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions is collecting on behalf of BMG Music Services, a company which I have never done business with. I have sent several letters over the last 3 months asking West Bay Acquisitions to verify this debt with BMG Music Services and have had no response. I did not receive any type of notification or dunning notice from West Bay Acquisition that they would be collecting on the BMG Music Services debt ever, nor did they notify me that they had purchased the debt (if applicable) and they neglected to verify the debt. I have not done any type of business with BMG Music Services.

Desired Settlement: I request that this debt be removed from all three credit bureaus immediately and that they are not allowed to re-submit this false dead again in the future.

Business Response: September 9, 2014 In response to case # ******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions handles are verified by the issuer to be accurate and valid debts.  This particular account originated as a BMG Music Account, opened in the name of ****** ******* on 10/27/06 and was left unpaid with a balance of $52.54.  It is not clear whether it was one payment or several payments but $144.99 was paid into the account over the course of time.  Contrary to the listed comments, we have not received any type of communication from Ms. *******. Our review of the records for this account shows that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

Consumer Response: I have reviewed the response submitted by the business and have determined that  in reference to complaint #********, although I disagree with the vendor's response, it is fine to close the case as it has been removed from credit bureau per their letter. I understand that by choosing to accept the business response that my complaint will be closed as resolved. However, I would also like it to be noted that I disagree as I have signed documentation of their receipts of my letters and have requested, and not received any type of validation of this debt including any payments that I have made or agreements that I have signed from West Bay Acquisitions. Regards, ****** *******

9/11/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Went to check my credit report this morning and discovered a new collection account from this establishment had been added. They did not list an address or phone number for just an account number which is ***********. I had to look this place up so I could call. I was informed that the $53 I allegedly owe is to *** Music for CD's I purchased and never paid for and was placed for collection in 7-2008. I did purchase CD's from *** in late 04-early 05 but paid for them. I have never received call 1 or any other collection attempts for said alleged debt. Luckily I have a credit report monitoring service or I would have never known this was added to it. West Bay supposedly acquired this debt in 7-2008 but waited until 6-2014 to place on my credit report? I have received NOTHING regarding this supposed debt and from what I've read this company does this quite often.

Desired Settlement: This is an absolutely ridiculous charge and I would like it removed from all 3 credit bureau's as I do not owe this debt. Thank you.

Business Response: September 10, 2014
 
In response to case # ******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all ***** *** **** laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions handles are verified by the issuer to be accurate and valid debts.
 
This particular account originated as a *** Music Account, opened in the name of ****** ******** on 6/7/07 and was left unpaid with a balance of $52.52.  On 8/15/07, $2.79 was paid into the account.  Contrary to the listed comments, at no point did we inform *** ******** that West Bay Acquisitions has had the account since July of 2008.  We advised her that the account was charged off by the original creditor at that point and we received assignment of this account in April of 2014.
 
Our review of the records for this account shows that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

Consumer Response:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

9/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I looked into my credit report and it looks like West Bay Acquisitions submit a collection of $98 in April 2014. I have not make any such purchase. Not Sure why they put such collection.

Desired Settlement: I would like them to clean up my record or produce evidence of purchase else apologize for there act.

Business Response: September 9, 2014
 
In response to case # ******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions handles are verified by the issuer to be accurate and valid debts.
 
This particular account originated as a ******** **** **** account, opened in the name of ****** ****** on 5/16/08 and was left with an unpaid balance of $98.38. 
 
Our review of the records for this account shows that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

Consumer Response:  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, ****** ******

7/31/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has put a derogatory mark on my credit report. I have never ordered anything from this company and it was removed back in April of 2014 only for their purpose to reage the debt. Their practices are illegal to try to change the open date to their benefit.

Desired Settlement: I would like this company to quit all collection purposes on this account and delete the derogatory marks from my credit report. They have never showed proof of debt.

Business Response: In response to case # ********* ***** ******, stating that he would like this removed from his credit report, West Bay Acquisitions submits the following:
 
This particular account originated with *** **** **** **** ****, opened in the name of ***** ** ****** on October 25, 2007.  We have sent Mr. ****** four notices regarding this account beginning on 10/12/12 and the last notice sent on 6/21/11.  We never received a response from Mr. ****** via correspondence or telephone.  $16.65 was paid into this account.  This account has never been “re-aged” as Mr. ****** states.  What he may have noticed is that the account was removed from his report because it was sent to an outside agency for collection; when that failed the account was returned to us in which it was re-reported.   
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

7/30/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I looked on my credit report and saw a false negative collection report, from West Bay Acquistions LLC, attempting to get me to pay $47.00. The original creditor was listed at *** *****. I have never ordered anything from this company and someone has used my identity to try to collect money from me falsely, with West Bay Acq., being the company trying to get the money from me, falsely listing this collection report and negatively affecting my credit score.

Desired Settlement: I would like this claim to be taken off of my credit report and the collection account closed at once.

Business Response: In response to case # ******** wherein the consumer states that he has no knowledge of this account with West Bay and would like this trade line removed from his credit report:
 
We have been unable to locate an account for this person with the limited information provided.  Usually there is an account number on the credit report.  An account number or reference number would help locate the account.  This account may also be listed under a previous address, so without speaking with Mr. ****** and having only the limited information provided by him, I am unable to locate the account.  I would request that Mr. ****** call us directly so I can ask him some brief questions to be sure of identifying the correct account.  If he wishes, he can call this office at ************* **** *** which will allow him to bypass the recording and queue and speak with the supervisor directly. We are happy to assist in finding a resolution, but we must first identify the correct account.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Thank you.

7/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently pulled my credit reports and saw that West Bay is trying to collect a debt from Columbia House with the account number************** in the amount of $127. I have not ordered from this company nor have I ever received any notice from the company nor West Bay concerning this debt that I supposedly owe. I have disputed this debt and I have also written the company. I never received response from West Bay to validate debt or where/when it originated. I have even called Columbia House and they have no record of me ever using them or owing them any money. I believe this debt to be in error and I would like it to be removed from my credit report and all collection activities to be stopped immediately.

Desired Settlement: I want the collections for this fake account to be stopped and removed from my credit report before any more damage is done.

Business Response: In response to case # ********, ******** S. *********, stating that she would like this debt removed from her credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This account originated with Columbia House DVD, opened in the name of ******** ********* on May 1, 2006.  A notice containing the details of this account was mailed to Ms. ********* on 8/14/13 to which we never received a response.  We have never received a call or a dispute letter from Ms. *********.  We received a communication from the credit bureau asking us to verify her information, which we did, but aside from that we have never heard anything from Ms. ********* regarding this account.
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.
 

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

******** *********

7/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: There is a $60 hit on my credit report from West Bay Acq. in relation to One Spirit. .I dispute this charge on my credit, and would like it removed immediately as I do not have a clue as to what One Spirit is and do not believe the charge is mine.

Desired Settlement: To cease and desist any and all collection activities and remove any derogatory account information from my credit file.

Business Response: In response to case # ********* ******** ****, wherein she states that she has no knowledge of this account with West Bay and would like this trade line removed from her credit report: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  West Bay Acquisitions, LLC is a collection agency.  This is a BMG Music Service account which was opened in the name of ******** **** on October 3, 2008 and was left with an unpaid balance of $60.39.  We have mailed a notice to Ms. **** which will list more details on the account including several CD titles of items ordered.  Once she receives this, if he has any questions he should call this office.   In the interim, we have marked this account as disputed.  The original account number is issued by the original creditor is ********* and the West Bay reference number is *******.

Consumer Response: I deny any account in my name for a music store.  Please delete any negative information on my credit file. Regards, ******** ****  

7/22/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has repeatedly "Re-Aged" the "Opened Date" on account information provided to the 3 Credit Bureaus. Regarding this particular case the original creditor is Stream Energy an electrical power company that provides service in the Houston, TX area. The current area we live in and have lived in since April of 2010 is *****, TX. ***** ONLY has ONE utility company for both electric and gas which is ***** Texas Utilities Company (BTU). Yet I AGAIN find that West Bay Acq (West Bay Acquisitions) is AGAIN reporting the Date Opened using fictitious information or better known as "re-aging" of account(s), which is illegal. They are reporting in this case the Date Opened as June 10, 2014. Then using a Report Date of June 23, 2014.

Desired Settlement: I believe that they should have to REMOVE the entire account from ALL 3 CREDIT BUREAUS completely and permanently as penalty for reporting FRAUDULENT Consumer Credit information, Otherwise I will file a formal complaint with the Federal Trade Commissions and further request fines be imposed along with this.

Business Response:

In response to case # ********, ***** *******, stating we have re-aged the account and would like this removed from her report, West Bay states the following:

West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.

In response to Ms. *******’s dispute, please be advised the original creditor, Stream Energy, has confirmed the name and address listed on the account as well as the amount owed.  West Bay never “re-aged” the account.  What Ms. ******* is most likely seeing is the date within which the bureau reported the debt.  She can be sure by calling the credit bureau, but they commonly list “open date” as being the date of the account being reported and not the open date of the account itself.  At one point this account was outsourced to another agency.  This would be a reason Ms. ******* may have seen that it fell off of her report and then went back on.  We would have had to take it off her report and the new agency would put it back on her report.  If the account was returned to us, they would then remove it from her report and we may have once again put it back on her report.  In either case, the “open date” of the account has never been changed or “re-aged.”  The open date for this account is August 8, 2007.

We have sent Ms. ******* several notices regarding this account.  3 invoices/notices were sent in 2012; 3 in 2013 and 1 in March of 2014.   We have never received a written response or a phone call from Ms. ******* in response to any of these notices.   This is a Stream Energy account which was opened in the name of ***** ******* on August 8, 2007.  Stream has also provided the invoice(s) for this account, which are attached to this complaint. 

Should Ms. ******* have any additional questions regarding this account or if she wishes to discuss payment arrangements, please feel free to contact us at ###-###-####.

In the interim, we have marked this account as disputed.

7/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In October 2013, I wrote to the BBB about this company. I have included the original complaint below. They responded that they would not pursue and remove from my reports. That only lasted for one month. The inaccurate entries are back on my credit report. Original complaint: Problem description: I recently checked my credit report, and found that as of June 2013, this company has been reporting to the credit companies I am in Collections for $32 for "New Book of Knowledge". I was very upset when I saw that West Bay Acquisition had reported me to all the credit companies for this. I looked it up, it is apparently some sort of encyclopedia. I do not own it, never bought it, this account is not mine. I have not bought anything like this from any company, and definitely not them. I have never received a bill nor had any communications regarding this false debt. They are reporting different addresses of theirs to each Credit Company. Desired Outcome: I would like to get this permanently removed from all 3 credit bureaus. I would like them to not report me falsely in the future.

Desired Settlement: I would like to get this permanently removed from all 3 credit bureaus. I would like them to not report me falsely in the future.

Business Response: In response to case # ********, ***** **********, stating that she would like this removed from her credit report, West Bay Acquisitions submits the following:
 
This account was closed on October 12, 2013.  Our records reflect the update was sent to the credit bureau for this to be deleted on that date.  This account has not been re-opened nor has it been re-reported. I would request that Ms. ********** call this office to discuss what exactly she is referring to because we do not have any record of this ever being re-opened or re-reported.  We can be reached at ###-###-####.
 
Thank you.

Consumer Response:  I will call the number provided and this can hopefully be resolved permanently. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Regards,

***** **********

7/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On April 29, 2014 West Bay Acquisitions received my certified letter requesting validation of account they are attempting to collect (**********). I never received a response from them. Under FDCPA it is not illegal for them not to respond, but if they dont respond they MUST cease collection activity until account has been verified. ***** law specifies they have 30 days to reply to my request. As of today, June 23, 2014 they never responded nor did they "cease collection activity." At this point, I am making every effort to get this matter resolved. I thereby respectfully request that West Bay Acquisitions do the right thing and delete the above mentioned account and cease collection activity at once.

Desired Settlement: Delete all reference to this account with the credit bureaus.

Business Response:  In response to case # ********, ******** ****, whom states she sent us a certified letter and we did not respond and she would like this account removed from her credit report, West Bay sates as follows: West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.  This office did receive Ms. ****** letter on April 29, 2014.  Not only did we respond, but we responded that very day.  I have attached our response along with the verification invoices which were provided to us by ****** ******.  We mailed this letter to her current address and this was never returned back to our office as “undeliverable.”    Should Ms. **** have any additional questions regarding this account or if she wishes to discuss payment arrangements, please feel free to contact us at **************. We look forward to helping her resolve this matter. In the interim, we have marked this account as disputed. 

Consumer Response: First of all,  I never received their letter responding to my request for validation within the specified 30 days.  The state of ***** specifies 30 day time limit.  At this point , their response comes too little too late.    They have already violated federal and state consumer protection laws.  Also, they claimed that they never received a letter or notice that mail was undeliverable, but "undeliverable" does not have a bearing if mail was placed in the wrong box or given to the wrong person.  Furthermore, the postal service does not claim 100% delivery rate.  Not only that, but the FDCPA makes it very clear that debtor MUST cease collection activity until account has been verified if validation request is made.  From the time they claim to have received my request till present they never ceased collection activity. And credit bureau reporting is considered collection activity.  I would be curious as to the AUD number associated with their request to the bureaus to cease collection on this account.  I am already entitled to statutory damages set forth by FDCPA in this matter.  Should I take this matter to a court before a jury in my community I am confident there will be a fair outcome.  However, I am making every effort to keep this matter out of court by attempting to resolve with BBB. Regards, ******** ****  

7/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from West Coast Acquisitions, LLC in July 2013 stating that I owed them money from an old BMG music club membership. I let them know that I had closed the account previously and sent West Coast Acquisitions llc a letter asking for verification / proof of this erroneous charge from 2005. They were unable to produce this proof. I then reached out to the credit reporting agency letting them know that I disputed the charge. The credit reporting agency then investigated and removed the charge from my account. I thought that their judgement ended this. Now flash forward to July 2014 and I have a new letter from West Coast Acquisitions LLC telling me that I owe them money for either the same debt or another fake debt and if I don't pay or contact them in 30 days they will report it to credit agencies yet again. I'm reporting this to the FTC, The Better Business Bureau, and the state attorney's office. I've seen several complaints online regarding this company doing the same thing to other unsuspecting citizens. I don't understand how business's can simply start charging people for things they do not owe and from almost 10 years ago. This is so wrong!

Desired Settlement: I would ask that they would stop trying to collect on a debt that I do not owe, take me off their list and send me a letter absolving me of this debt so I will have in the event that they try to report this again a year later.

Business Response:  *** **** *******, stating that he would like this debt removed from her credit report, West Bay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music Account, opened in the name of Lea Anne Clifton on December 10, 1998.  West Bay Acquisitions, LLC (WBA) purchased the account from Direct Brands Inc., the original issuer, on September 3, 2009. Based on the information provided to WBA by Direct Brands, the outstanding balance of $95.38 includes 11 CD titles.  $651.26 was paid into this account over the course of time. Our records do not show any communication whatsoever received by Ms. *******.  Our notices in the past were never answered via written communication or telephone. Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

Consumer Response:  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, *** *******

7/16/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had collection from a company I never dealt with. Regardless I paid the $80 with this collection company and it was removed from my credit report. To find it has resurfaced on my report after paying it when it wasn't even my debt. I have a perfect credit score and I do not need a collection on my report when it has been paid and wasn't even mine. I paid this debt and yet continue to hear from them via mail and I have not heard anything since I mailed them a letter with a copy of the check that was cashed months ago. This is fraud.

Desired Settlement: Remove it from my credit report. It has been paid to your collection company. Stop resurfacing it. I don't know who ordered from a book club anyway wasn't me or anyone in our home.

Business Response: In response to case # ********, ***********, whom states she would like it removed from her credit report, West Bay Acquisitions, LLC, responds as follows:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Unfortunately, we cannot locate this account with the information provided.  West Bay will need more information to identify this debt.  This can sometimes happen if a last name has changed.  We need the account number or a reference number.  If this is unavailable, the fastest way to locate this account would be for her to call this office and we can ask her some brief questions.   Once we locate the account, we can look into this further and are happy to provide a resolution. 
 
Ms. ****** should call this office at ###-###-#### any time between 9am – 5:30 pm EST.
 

7/16/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been following my credit on creditkarma.com and have 3 collections accounts through West Bay Acquisitions on my credit. They are all for the same amount, just opened and reported on different dates. It shows it was for purchases through Mystery Guild book club. I don't have an account with Mystery Guild book club, and I certainly haven't ever had three accounts with them. I have also never received any invoices or notices in the mail from West Bay Acquisitions.

Desired Settlement: I want these collections accounts looked into. I want them taken off of my credit completely, as I don't have an account with the company that West Bay Acquisitions is representing.

Business Response: In response to case # ********, ****** *******, wherein the consumer that she has no knowledge of this account with West Bay and would like this trade line removed from her credit report:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
West Bay Acquisitions, LLC is a collection agency.  This is a Mystery Guild book account which was opened in the name of T. ******* on April 24, 2008 and was left with an unpaid balance of $74.03.  We have mailed a notice to ****** ******* which will list more details on the account including several book titles of books ordered.  Once she receives this, if she has any questions she should call this office. 
 
In the interim, we have marked this account as disputed.  The original account number is issued by the original creditor is ********* and the West Bay reference number is*******.
 
In the interim, we have marked this account as disputed.
 
Thank you.
 

7/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was alerted by my credit score from Trans Union that this company filed on June 6th that I ordered from BMC music back in 2008. I haven't ordered music since I was a teenager from Columbia House. That was close to 25 years ago. My credit score went down 6 points because of this. I am paying on a car payment, a medical bill and student loans which are the only debts I have. I am trying to bring my credit score back up by paying all of the debts off. However whenever I try to call them they put me on hold for 15 minutes then hang up. I cannot contact them to remove this false debt report to my credit score. I did notice this a known scam with the BBB

Desired Settlement: I want this charge taken off my credit score

Business Response: In response to case # ******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music Account, opened in the name **** ** ******* on 1/28/07.   Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #10090064. I understand that by choosing to accept the business response that my complaint will be closed as resolved.  Regards, **** *******

7/2/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: 0 Votes I am in the same boat as you. I have never once ordered anything from bmg this company is guilty of fraud and should be reported to the US attorney general .Looks like this company is famous for buying bad credit and know nothing about it. someone please help m So may people with the same problems shows this company is a scamming fraud trying to make a buck on anyone they can find with money come

Desired Settlement: repair and remove from credit report

Business Response: In response to case #********,**** A.*******, stating that he would like this debt removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music Account, opened in the name of Earl Richard on September 6, 2007.  The last item ordered was a DVD entitled Best of Johnny Cash.   
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

6/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A Collection account for $220 which is not mine showing on my credit reports on 4/16/2014. I have made several attempts to verify this information but have been unsuccessful in getting any information from this company about the who/what this account is for. The account info listed on the report is WEST BAY ACQ Account # *************** Account Type ********** Account Balance ******* Date Opened 4/16/2014 Account Status Open I have received nothing from this company verifying that I am truly the owner of this debt nor have i received any written verification of where this alleged debt originated from, I believe this is a violation of the FCRA and I am requesting all derogatory information removed from my credit reporting until such times as this debt is verified.

Desired Settlement: To cease and desist any and all collection activities and remove any derogatory account information from my credit file until appropriate debt validation has been performed in accordance with the FCRA.

Business Response: In response to case # ******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.

This particular account originated as a BMG Music Account, opened in the name of ****** *** on 07/17/06.  We sent Mr. ***es an invoice/notice on 6/10/13 to which we did not receive any type of response to.  That notice contained nine CD titles.
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

6/26/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay is illegally trying to collect someone else's nine-year-old debt from me. West Bay listed a delinquent debt on my credit for someone with a name similar to mine, and have never even contacted me regarding the debt. Another collection agency served as West Bay's agent for this debt last year. I got them to close the file, but now West Bay is on it. The debt is ancient, and cannot be collected on under the Fair Debt Collection Practices Act, even if it was my debt, which it isn't. West Bay has disregarded the law and caused my credit score to sink and caused me to be denied a credit card. Their business practices are inexcusable, as they do not even have a match on my last name. The other ****** ****** does not have a hyphenated last name like I do.

Desired Settlement: West Bay must remove the delinquent account from my credit immediately, or I will pursue legal action. I am an attorney licensed in four states, and will seek statutory damages against West Bay if this situation is not resolved.

Business Response: In response to case # ******** wherein the consumer states that he has no knowledge of this account with West Bay and would like this trade line removed from his credit report:
 
We have many ****** ******s in our system.  I am not finding a hyphenated last name (******-*******).  I request that Mr. ******-******* call us directly so I can ask him some brief questions to be sure of identifying the correct account.  Usually there is an account number on the credit report.  An account number or reference number would help locate the account.  This account may also be listed under a previous address, so without speaking with Mr. ****** and having only the limited information provided by him, I am unable to locate the account.  If he wishes, he can call this office at ###-###-####, he can dial ext. *** or *** which will allow him to bypass the recording and queue and speak with either the manager or the supervisor directly. If this is not Mr. ******’s account, we will delete the trade line and his points will go back to what they were before this appeared on his credit report.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Thank you.

6/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: After Reviewing my credit report, I noticed that I in collections with West Bay Acq, for the amount of $88.24. I called them to tell them I have no knowledge of this purchase from Children's BOMC in August 2008. They have never contacted me to resolve this issue, even though they stated they did try to contact me. Since I no knowledge of this transaction I want it removed from my credit report.

Desired Settlement: Remove me from collections

Business Response:

In response to case # ******** stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:

West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Book of the Month Book Club Account, opened in the name of ***** ********** on 8/14/08. 

Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.</

Consumer Response:

6/18/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I just received a hit on my credit report stating that $205 has been put into collections. I never heard of this company and I believe that this is not correct. I just recently purchased a house and took care of all of my debts before I could move on with the process. I really need this off of my credit report. This is the second time in 2 months that I've had some bogus charge come up on my credit report, and it is negatively affecting my life.

Desired Settlement: I would like to see this bogus charge be removed from my credit score so that I can continue trying to improve my life.

Business Response: In response to case # ******** wherein the consumer states that he has no knowledge of this account with West Bay and would like this trade line removed from his credit report:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
West Bay Acquisitions, LLC is a collection agency.  This is a BMG Music Service account which was opened in the name of ******** ** ***** on December 7, 2005 and was left unpaid with a balance of $205.29.  $323.47 was paid into the account over the  course of time.  It is not clear whether that was one payment or several payments to equal the $323.47, but the last payment date was July 25, 2007.  We have mailed a notice to Mr. ***** which will list more details on the account including several CD titles of items ordered.  Once he receives this, if he has any questions he should call this office. 
 
In the interim, we have marked this account as disputed.  The original account number is issued by the original creditor is *********** and the West Bay reference number is *******.
 
Thank you.
 

6/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently received a collections notice from West Bay Acquisitions stating that they were collecting a debt as an authorized agent of Cascade Capital LLC the successor to Stream SPE, Ltd. West Bay has billed me for $52. I have never had dealings or an account with Cascade Capital nor Stream Energy and do not believe this charge to be valid. ore any other company associated with West Bay. I have disputed the charge formally in writing with West Bay Acquisitions as required to no avail. based on the literally thousands of similar complaints with the BBB against this company and their willingness to simply discontinue all efforts to collect similar charges upon the registering of a BBB complaint, I have a high degree of confidence that this company fabricates hundreds of thousands of fraudulent charges masked by vague "internet purchase collection" legal shelters. I would request that the BBB intervene on my behalf to stop further collection efforts. This seems to be a criminal organization. How can they create debt ad accounts where there was none and just charge people, seemingly at a whim. They seem to charge people a small amount, under the hope that you will pay it to make it go away... It's extortion.

Desired Settlement: West Bay Acquisitions cease and desist collection efforts on account and West Bay Acquisitions remove any negative credit remarks associated with this fabricated debt. and sennd me a written apology letter.

Business Response: In response to case # ********, ******* *****, stating that he does believe to  have an account with Stream Energy and would like this removed from his credit report, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Mr. *****’s complaint contains conflicting information.  The information contained in his complaint may have been formed from opinions on the internet.  This is not a Stream account and West Bay did not recently send Mr. ***** a letter.  This is a Quality Paperback Book Club Account opened in the name of ******* ***** on September 12, 2008.  The account number issued by the original creditor is *********.  The activity log shows two books were ordered on September 15, 2008.  The titles listed are “SEX WHOLE PICTUR” and “RRAY JUST IN TM.” Many times there are only so many characters allowed and the title may be short some characters which seems to be the case with the above titles. 
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response:

IF what they say in this is true, then the info I was given on the phone, from their own customer service was in error. That said, I have never had or ordered anything from Quality Paperback Book Club I never opened any account in the name of ******* ***** or any other name. On September 12, 2008 or any other date. I have ever heard of the company.   The account number issued by the original creditor is ********* is not me.  The activity log shows two books were ordered on

September 15, 2008.  The titles listed are “SEX WHOLE PICTUR” and “RRAY JUST IN TM.” Many times there are only so many characters allowed and
the title may be short some characters which seems to be the case with the above titles. So, like I said it is either fraud by this company or was fraudulently done in my name. .

Regards,

******* A *****

 

 

6/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay place a false account on my credit report. I've never recieved any letters from them stating that I owed this company and was never given the opportunity to dispute it before they put it on my credit card

Desired Settlement: I want this removed off my credit report, the client has no merit

Business Response: In response to case # ********* ****** ********, stating that she does not believe this to be her account and would like this removed from her credit report, West Bay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  This is a Black Expressions book club account opened in the name of ****** ******** on July 28, 2005.  The original account number issued by the creditor is *********.   Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint. 

They said they are closing the account they did not say they were going to remove it off my credit report. I want this removed off my credit report.

Business Response: West Bay has submitted a request for the account to be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.

5/17/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently received a collections notice from West Bay Acquisitions stating that they were collecting a debt as an authorized agent of Cascade Capital LLC the successor to Stream SPE, Ltd. (d/b/a "Stream Energy"). West Bay has billed me for $84.55. I have never had dealings or an account with Cascade Capital nor Stream Energy and do not believe this charge to be valid. I have disputed the charge formally in writing with West Bay Acquisitions as required to no avail. based on the literally thousands of similar complaints with the BBB against this company and their willingness to simply discontinue all efforts to collect similar charges upon the registering of a BBB complaint, I have a high degree of confidence that this company fabricates hundreds of thousands of fraudulent charges masked by vague "internet purchase collection" legal shelters. Their revenue must be based on the 10% rule, and I feel sorry for those who fall in that minority. I would request that the BBB intervene on my behalf to stop further collection efforts. This is a criminal organization.

Desired Settlement: West Bay Acquisitions cease and desist collection efforts on account *************** and West Bay Acquisitions remove any negative credit remarks associated with this fabricated debt.

Business Response: In response to case # ********, **** *****, stating that the consumer does not feel they have any outstanding balance with Stream Energy:   This account originated with Stream Energy and was opened in the name of **** ******* on September 1, 2008.  The original account number is ***************.    West Bay Acquisitions sent Ms. ***** (formally **** ** *******) an invoice on January 20, 2013 and again on April 22, 2014.  We never received a response nor have we ever received a written dispute as she has stated in this complaint. We do believe this account to be valid.  We have attached to this response, the outstanding invoices and pay history which were provided to this office by Stream Energy, whom also confirmed the name, address and balance on the account.   Our records show Ms. ***** resided at *** ********* Way in *****, GA and used the Services of Stream Energy beginning on September 1, 2008 until June 1, 2009.  Her last date of payment was April 17, 2009 in the amount of $100.96.   We have updated Ms. *****’s address and have re-sent an invoice to her for her review.  We hope this satisfactorily resolves the matter.  If Ms. ***** has any questions, she should feel free to call this office at **************.

5/9/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On/about April 9, 2014, my husband and I received a consumer explanation letter as part of our mortgage application process. Going though the letter, we noticed an account that did not belong to us. I searched the internet for West Bay ACQ and promptly phoned. I explained the to customer service representative the situation and he verified the account did not belong to us (specifically me since my name is ******* *******). I’m unsure how West Bay Acq “tied” this delinquent account to me since neither the name nor the address matched and the gentlemen verified my SSN was not used. My husband and I lived in ******* at *** **** Street with a zip code of *****. The customer service representative explained “name-address associations” are often used to collect delinquent monies. The name associated with the account is ********* ******* and the address is *** ** ********* with a zip code of *****. This is a horrible practice and I’m sure illegal as this transaction was not only reflected on our credit report but it only brought our credit score down causing us to qualify for a higher interest rate.

Desired Settlement: This debt must be released from my name and the correction made with TransUnion credit reporting agency.

Business Response: In response to case # ********, ********* *******, wherein the consumer states that she would like this removed from her credit report:   This account is no longer with our office.  Ms. ******* will have to contact ******* *******, LLC at **************.  She should give them the original account number which is ***********.  This is a Sound and Spirit Book account with a balance of $30.56.   Thank you.  

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

On April 10th, West Bay Acquisitions sent me the attached letter. This was in response to my phone call with them requesting this issue be cleared.  I received the letter prepared the attached documents for return to clear this issue.  It is unacceptable and unethical for West Bay Acquisitions to not clear my name and my credit.  They have already hurt my credit rating which is reflected in the attached documents. 

4/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have an unknown debt in collections with WEST BAY ACQ. I have no knowledge of this account. I recently checked my credit report to find a “derogatory mark” for $82 that is in collections with WEST BAY ACQ. I have never heard of this company, nor have I received any correspondence from this company indicating that I owe money. I have no knowledge of this account or debt. This should be removed from my credit report immediately.

Desired Settlement: This debt should be cleared and should be removed from my credit report immediately.

Business Response: In response to case # ******* wherein the consumer states that she has no knowledge of this account with West Bay and would like the charges removed:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.   West Bay Acquisitions, LLC is a collection agency.  This is a BMG Music Service account which was opened in the name of ***** ** ********* on April 30, 2006 with a charge off date of January 22, 2008.  We have mailed a notice to Ms. ********* which will list the details on her account.  Once she receives this, if she has any questions, she should call this office.  The titles of the last items ordered will be on the notice West Bay has mailed to her.   In the interim, we have marked this account as disputed.  The original account number is The reference number for this account is *********** and the West Bay reference number is *******.   Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have still not received any information from West Bay regarding this case.  I have no knowledge of a debt owed to BMG Music.  Please  remove this from my credit report immediately.

Business Response: The invoice was mailed out on 3/13/14 to **** ****** **** Trail, *******, GA  *****.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have still not received anything from West Bay Acq. in the mail regarding this unknown debt.  Please remove this from my credit report immediately. 

4/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been working very hard to fix my credit. I paid off every speck of my debt and have not allowed any other bills to become late. I go to check my credit score and out of no where this company claims I owe $94.00. I have not been contacted prior to it appearing on my credit report. The debt is from over seven years ago. The statute of imitations in my state is 5 years. This debt well exceeds that limitation.

Desired Settlement: I want this debt marked as closed and removed from all credit agencies. If this is not the outcome I know my rights and will contact a lawyer.

Business Response: In response to case # *******, ***** *****, wherein the consumer states that she would like this removed from her credit report:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.   West Bay Acquisitions, LLC is a collection agency.  This is a Doubleday Book Club account which was opened in the name of ***** ***** on August 28, 2008 with a charge off date of January 22, 2008 with a charge off date of August 29, 2009.  We have mailed a notice to Ms. ***** which will list the details on her account.  Once she receives this, she does have the right to dispute the account, and if she has any questions, she should call this office at **************.  The titles of the last items ordered will be on the notice West Bay has mailed to her.  In the interim, we have marked this account as disputed.  The original account number for this account is ********* and the West Bay reference number is *******.  

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

The company has multiple charge off dates listed.  This debt is from over 5 years ago which exceeds the statute of limitations for the state in which I reside.

4/15/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay has issued a 138.00 claimed false charge against my credit which has showed up on my credit report. I have never had any dealings with this company.

Desired Settlement: I want West Bay to remove this false charge from my name and my credit report immediately.

Business Response: In response to case # ******** stating that the consumer does
not have an account with West Bay, West Bay Acquisitions submits the following:

 

West Bay Acquisitions and all of our partner agencies abide
by all FDCPA and FCRA laws. It is our company policy that all disputed debts be
thoroughly investigated in determining whether a dispute is a result of
identity theft or simply confusion on the part of the consumer that they did
not remember making the transaction. All of the accounts that West Bay
Acquisitions has purchased are verified by the issuer to be accurate and valid
debts.

 

This is a ********* **** **** opened in the name of ******
******** on February 26, 2007.  This information
and balance due is based on the computerized and hard copy books and records provided
to West Bay Acquisitions, LLC by Bookspan on April 15, 2011.     

 

Our review of the records for this account show that the
outstanding charges are valid.   While we
have completed our investigation of this account and believe the debt to be
valid, in an effort to avoid further escalation, we have decided to cease all
future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

4/14/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Spoke with these guys about a credit dispute for a collections that they placed on my credit rating under quality paper back books, I informed them that I disputed this collection and that the debt was not created by me and that they needed to prove that I entered into this debt as per the fair debt collections practices act and they told me that while there is no documentation of this debt, that said debt was created online and that all that they needed for this debt to be valid was the account had to be opened under my name without any other type of identity information. I told them that I dispute this and that I have never had a need for any book club let alone any that are online and that should I need a book I usually go to an actual bookstore and purchase one. As per this disputed debt, the collections agency was told that I dispute this debt and that by doing so they need to remove the negative impact from my credit rating and cease all collections against me until said debt can be proved without a doubt that I physically agreed to enter into this debt and have left identifiable information proving this point.

Desired Settlement: I want this company to remove all negative information from my credit score as it has unjustly caused me to be denied loans and or services that I would otherwise be approved for had this information not been on my credit score. It is causing me undue hardship and is dragging my good name through the mud.

Business Response: In response to case # ********, ***** *******, stating that he does believe to  have an account with Quality Paperback Books and would like this removed from his credit report, West Bay Acquisitions submits the following:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated with Quality Paperback Book Club, opened in the name of ***** ******* on October 8, 2008.    Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

4/8/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just checked my credit score on CreditKarma.com.....It says I have a $31 debt in collections from BMG music services from November 2013....I never ordered anything from this company, nor did I receive anything from them....I dispute this charge on my credit, and would like it removed immediately

Desired Settlement: I would like this charge removed from my credit score

Business Response: In response to case # *******, ******* *****, whom states she would like thiscollection removed from her credit report, West Bay Acquisitions, LLC, respondsas follows:  West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws. It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction. All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts. We are unable to locate this debtwith the information provided.  We havemany ******* *****’s in our database.  Wewill need more information to identify this debt.  An account number is always listed on the originalcredit report.  Account numbers arelisted on the credit report, usually followed by x’s.  If Ms. ***** had a previous address, thisdebt could be listed under a previous address. If she had a maiden name, it could be listed under a different lastname.  The fastest way to locate thisaccount would be for her to call this office and we can ask her some quick,brief questions.  Once we locate theaccount, we will be happy to assist with a resolution. If Ms. ***** has any questions,or is unable to locate the account number, she should call this office at herconvenience at ###-###-####, any time between 9 and 5:30 pm eastern time, andwe will be happy to assist her.

4/3/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: when doing a credit check with my bank I was informed that west bay acquisitions has posted a det of 61$ on my credit as bad credit. there is no report as to what the det is for or any other information. it is my standing that this is fraud det and I want it removed from my credit within 30 days. also if there is any damage done to my credit I want the company to be responsible for financial retribution to me.

Desired Settlement: if they can prove that this is a det that I did accrue then I will be willing to pay it. if they can not prove that it is a true det that I personally accrued then I want it removed from my credit report and any damage done to my credit be fixed through financial retribution

Business Response:

In response to case * *******, **** ******, whom states he does not know

what the debt is for, but would like it removed from his credit report, West

Bay Acquisitions, LLC, responds as follows:



This account originated as a ******** ***** DVD Account

opened in the name of *** ******* (same name on his email) opened on November

21, 2006.  We have sent him 4 notices since June of 2012, without ever receiving a phone call or written response.



West Bay has investigated the

dispute, denies the dispute, but in order to avoid further escalation, we have

decided to cease all collection activity and close this account.  We have recalled the account from the outside

agency, *** *******, and have instructed them to remove the account from any

consumer reporting agency files to which they may have submitted information.  Consumer reporting agencies can take up to 45

days or longer to update their records and this is beyond our control.  


4/1/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I would like this removed from my credit since i do not currently or have I ever done business with this company I would like this removed from my credit since i do not currently or have I ever done business with this company

Desired Settlement: I would like this removed from my credit since i do not currently or have I ever done business with this company

Business Response: In response to case # *******, ******** ****** (Ess), stating
that she would like this debt removed from her credit report, West Bay
Acquisitions submits the following:

 

West Bay Acquisitions and all of our partner agencies abide
by all FDCPA and FCRA laws. It is our company policy that all disputed debts be
thoroughly investigated in determining whether a dispute is a result of
identity theft or simply confusion on the part of the consumer that they did
not remember making the transaction. All of the accounts that West Bay
Acquisitions has purchased are verified by the issuer to be accurate and valid
debts.

 

*** ****** states she has “never done business with West
Bay.”  This is a debt collection agency,
and the account we seek collections on is an account which originated with
******** ***** DVD, opened in the name of ******** *** on January 14, 2007.  The items listed on the activity report are:

 

******* ** **** *** ** ******** ****** ***** ******** *** **** ******* *******

 

We have mailed a notice to *** ******
which will list the details on her account. 
The titles and dates of the last items ordered will be on the notice
West Bay has mailed to her.  Once she
receives this, if she has any questions, she should call this office at


 

4/1/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I contacted this agency and informed them that the account they are billing me for doesn't belong to me they fail to stop the collection process I have contacted this agency and informed them that they are billing be on an acct that is not mine they fail to stop with the collection process. All they sent as proof was a bill of a person with my name with an address that i have never lived at. I would like this collection to stop I need them to stop reporting this negatively in my credit report and to acknowledge that this is NOT my acct. They are not very easy to get accross to over the phone and I do not want this affecting my credit rating if it is not mine. I need this fixed as soon as possible.

Desired Settlement: I want all collection attempts includiong phone calls, letters and credit reporting to stop. This should be removed and from dismissed on all three credit reporting agencies.

Business Response: In response to case # *******, ******* *******, stating that
the consumer does not feel they have any outstanding balance with ****** ******:

 

Please be advised this ****** ****** account is owned by
******* ******** ***.  West Bay
Acquisitions initiated collection efforts on behalf of ******* *******.  Based on *** ******’s dispute, we have
decided to close and return this account to ******* ******** ***. 

 

We have submitted a request for
the account to be removed from any consumer reporting agency files to which we
may have submitted information.  Consumer
reporting agencies can take up to 45 days or longer to update their records and
this is beyond our control. 

 

Further information is available
through the owner:

 

******* ******** ***



 

4/1/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Mr. **** *******PartnerWest Bay Acquisitions, LLCPO Box/****RE: Stream Energy Account: **********West Bat Account: ************Dear Mr. *******,Please find attached a copy of your demand notice to me dated 6/18/2012 for $506.30. Also attached is a copy of your subsequent correspondence to me dated 6/28/2012 closing this matter and recalling myaccount from collections.Today, I received the enclosed notice dated 1/22/2014 demanding payment for this same erroneous account.Please be advised that l have no intention of assuming responsibility for a debt that we have already agreed I have never owed and consider this an attempt by your company to collect a fraudulent debt.Please respond via first class mail that this matter has been closed and my name and personal information expunged ad infinitum from your records.CC: Mr. ******* *. **** Attorney at Law Better Business BureauFederal Trade CommissionConsumer Fraud Division

Desired Settlement: Unspecified

Business Response: We have responded several times to each of Ms. ******’s several complaints that this account has been permanently closed and has had no credit activity since June 28, 2012.  As she requested, we have sent her another letter stating this.

3/25/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has put a collection charge on my credit report for 37.00 from a ******** ***** DVD, as of Nov 14,2013. I do not have a account with this company and would like to have this removed from my report immediately for it is affecting my credit score. I have never purchased any dvds for I'm legally blind, so there's no way for me to have purchased any products for this company.

Desired Settlement: As part of the settlement, I want this debt removed from all of my credit reports.

Business Response:

In response to case # ******** ******* *****, stating that he

would like this debt removed from his credit report, West Bay Acquisitions

submits the following:



West Bay Acquisitions and all of our partner agencies abide

by all FDCPA and FCRA laws. It is our company policy that all disputed debts be

thoroughly investigated in determining whether a dispute is a result of

identity theft or simply confusion on the part of the consumer that they did

not remember making the transaction. All of the accounts that West Bay

Acquisitions has purchased are verified by the issuer to be accurate and valid

debts.



This account originated with ******** ***** ***, opened in

the name of ******* ***** on  September

7, 2005.  



Our review of the records for this account show that the

outstanding charges are valid.   While we

have completed our investigation of this account and believe the debt to be

valid, in an effort to avoid further escalation, we have decided to cease all

future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint ********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 


 
Also, this will be removed from all credit bureau.

3/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been working on rebuilding my credit. As I checked my history today I saw a new account had gone into collections against me. It claims I owe $32 to *** music. I had never heard of this company and had to look it up online to even find out what it was. I was NEVER contacted by this company to tell me that supposedly I have collection account against me. So I call the collections agency, to no avail. This charge is supposedly from 2007. The only way they had my information is through identity theft or it was done without my knowledge by my ex-wife, still without my consent or signature on any contract. Now the statute of limitations in my state is three years. The length something can stay on your credit report is seven years. So then how come I have never heard of this supposed debt of mine from, wait, SEVEN years ago. I am currently filling out my letter to the agency about them trying to collect a zombie debt and filing my complaint, as well as requesting validation. I am also disputing this with all three credit bureaus TODAY! This collection agency has disgusting practices. Oh yeah, to top it all off...*** MUSIC NO LONGER EXISTS. They were bought out in 2008!

Desired Settlement: I want this removed from ALL THREE CREDIT BUREAUS immediately. If not then I do have my rights and will file a lawsuit of my own.

Business Response:

****** *********, stating

that he believes that he does not have an account with *** *****, West Bay

Acquisitions submits the following:



West Bay Acquisitions and all of our partner agencies abide

by all FDCPA and FCRA laws. It is our company policy that all disputed debts be

thoroughly investigated in determining whether a dispute is a result of

identity theft or simply confusion on the part of the consumer that they did

not remember making the transaction. All of the accounts that West Bay

Acquisitions has purchased are verified by the issuer to be accurate and valid

debts. This particular account originated as a *** ***** account opened in the

name of ****** ** ********* on May 14, 2007.




Our review of the records for this account show that the

outstanding charges are valid.   While we

have completed our investigation of this account and believe the debt to be

valid, in an effort to avoid further escalation, we have decided to cease all

future collection activity and have closed this account.

Consumer Response:

Better Business Bureau:

I will not be satisfied unless removing this from all three credit reports is said.  Stopping attempts to collect and closing their account does not mean they will remove this erroneous information from my credit reports.  I want it completely removed.  Not left and the status changed.  Removed completely.

 

 

 

Business Response: We have submitted a request for the
account to be removed from any consumer reporting agency files to which we may
have submitted information.  We only report to ********** *** ********.  Consumer
reporting agencies can take up to 45 days or longer to update their records and
this is beyond our control. 


3/24/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid off the debit in which they are reporting to my credit on. I spoke to them and explained I had proof of payment of this debit and even submitted to them the duplicate copy of the check in which I used. After several weeks I was told they would remove this charge and close it on my credit. It is still affecting my credit and they are still showing I owe the money to the account.

Desired Settlement: I want them to show a $0 account balance and clear it off my credit record. It has now been on there for 2 years. I will be satisfied once they have cleaned it off my credit as it is a minimal amount and they did not follow through with the original agreement.

Business Response:

In response to case # ******* stating that the consumer does

not have an account with West Bay, West Bay Acquisitions submits the following:



West Bay Acquisitions and all of our partner agencies abide

by all FDCPA and FCRA laws. It is our company policy that all disputed debts be

thoroughly investigated in determining whether a dispute is a result of

identity theft or simply confusion on the part of the consumer that they did

not remember making the transaction. All of the accounts that West Bay

Acquisitions has purchased are verified by the issuer to be accurate and valid

debts.



This is a ********** **** ** *** ***** **** opened in the

name of ******** ***** on February 4, 2008.

West Bay has mailed five notices to Ms. Smith for this account which we

mailed to the exact address indicated on this complaint.  All of those notices went unanswered.  We also show she has never called this office

inquiring about the account.  



Our review of the records for this account show that the

outstanding charges are valid.   While we

have completed our investigation of this account and believe the debt to be

valid, in an effort to avoid further escalation, we have decided to cease all

future collection activity and have closed this account.

Consumer Response: [
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint ********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

3/4/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Just recently, around 02-01-14, a charge off was put on my credit report from West Bay ACQ. The amount is $52.00 I have never received any letters or communications from this company. I contest this debt and do not owe any debts in this amount or near this amount. I want this debt removed from my credit reports right away or I will contact an attorney and sue for any and all legal damages.

Desired Settlement: As part of the settlement, I want this debt removed from all of my credit reports. I will contact the attorney general as well. This is a well known scam and West Bay ACQ will be taken down and will pay for their crimes!

Business Response: In response to case # ******* wherein the consumer states that he does not know what this $52 debt is for, but that he would like it removed from his credit report:   For Mr. ********’s information, this is a BMG Music Account.  Original account number is ***********.  This account was opened on April 16, 2007 in the name of ******* ** ********.  The activity on this account shows 7 cd titles ordered on April 19, 2007 and a DOC (due on contract) charge on June 23, 2007.  A detailed invoice has been sent to Mr. ******** for his review.    West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.   If Mr. ******** would like to call this office in the interim, we can be reached at ************, and a customer service representative can also explain the details over the phone. 

2/27/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hi, Please, I need your help. I am currently rebuilding my credit slowly, after a Chapter 7 Bankruptcy in 2009. My credit increased only 25 points in the last year, and in on e day, it decreased by the same amount, due to West Bay Acquisitions LLC adding an erroneous charge to my credit report as a collection item. I think they are targetting people who are trying to rebuild their credit, since they know these people may just pay the charge, even though it is erroneous. I pay all of my bills on time and I have NOTHING in collections. In fact, I paid all of my bills on time, until I could no longer do so in March 2009, when I filed for Bankruptcy - I owned several houses and was upside down in all of them, and still, I paid ALL of my bills, hoping to sell one of the houses, prior to my filing for Bankruptcy, so I know I have NOTHING in collection, and besides, it is now 2014 and I have not rented a movie from Hollywood video, since at east 2006, and like I stated, I paid EVERYTHING on time until I had to file for Bankruptcy in March, 2009. Please help - I think it is incredibly despicable that a company can shatter over ne year's worth of rebuilding one's credit, by putting a charge for a collection on someone's credit report, when it is NOT VALID. Again, I think this company is doing this to the most vulnerable people right now, ones that they can see have filed for Bankruptcy and/o are rebuilding their credit - in my view, this company is doing one of the worst, unethical things imaginable, without any conscience or remores. Thank you. Kind Regards, ******* * ****

Desired Settlement: Please ask that they take this erroneous collection item off of ALL THREE Credit Agency credit reports, so I can continue my positive credit score climb, which I have consistently achieved since 2009.

Business Response: In response to case # ******* stating that the consumer would like this debt removed from his credit report, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music Account, opened in the name of Michael Kirk on 12/20/06.  Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies may take up to 45 days or longer to update consumer reports and this is beyond our control.  

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

Thank you so much for your assistance - while I do not agree that the account is valid, I am grateful that West Bay Acquisitions LLC has chosen to do the right thing, by removing this item from all three of my agency Credit Reports, as well as considering this account closed in good standing, and satisfied, as well as ceasing all future collection efforts, since this account is in good standing.

2/6/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: It was just brought to my attention by my credit report of a $36 dollar bill for something I never ordered nor received. This was my first time knowing of this bill.

Desired Settlement: I would like this negative report removed from my credit.

Business Response: In response to case # ******* wherein the consumer, ****************, believes that they do not have an account with Scholastic:This account originated as a Scholastic/**** **. bookaccount opened in the name of ******* ********* on December 5, 2006.  The original account number is ************.  Adetailed notice was mailed to Mr. ********* on August 4, 2013. This noticecontained 19 book titles and the date each one was ordered.West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is ourcompany policy that all disputed debts be thoroughly investigated indetermining whether a dispute is a result of identity theft or simply confusionon the part of the consumer that they did not remember making the transaction.All of the accounts that West Bay Acquisitions has purchased are verified bythe issuer to be accurate and valid debts. We have completed our investigation and believe this debt tobe valid, however, in order to avoid further escalation we have decided torecall and close this account.  Additionally, we have made a request to any consumer agency we havereported to that this trade line be deleted.  Consumer agencies can take up to 45 days or more to update their recordsand this is out of our control. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

1/10/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have not ordered any products, I have not received anything from this company let alone a bill for me to contact them to dispute these charges. I happened to get an alert from Experian today and my points dropped 78 points! I have never done any sort of business w/ this company at all whatsoever!! I am highly irritated and also notified Experian regarding this! This is fraud and unauthorized charges!!!! I swear I thought it was a joke when I saw this but then noticed what is has done to my credit!!! I will get my own lawyers involved and sue this company!!! This needs to be removed immediately!! I have been the subject of fraud but I DID NOT OR HAVE NOT ORDERED ANY ITEMS OR DO NOT HAVE ANY ITEMS FROM THIS COMPANY!!!

Desired Settlement: This needs to be removed from my credit report! This is unauthorized let alone fraud!!

Business Response: In response to case # ******* wherein the consumer states that she should not have to pay the debt listed on her credit report and would like the charges removed, we respond as follows:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Ms. *******’s complaint, I do not think she is aware of what this account is and why it is in collections.  We are a debt collection agency, and therefore are collecting on debts which were created by the consumer elsewhere.  We have many different types of accounts.  This could be an energy account, a book club account, a music club account, etc.  I don’t think Ms. ******* is aware of what we are even trying to collect on.
 
Because we have many ******** *******s in our directory, I am unsure as to which account is hers.  We only have one ******** ******* in Arizona, but it has a different address, which may in fact be an old/previous address of hers, but we need more information.  The fastest way to locate this account would be to provide the reference or account number (this is usually listed on the credit report).  If that is unavailable, Ms. ******* should call this office at ************** to speak with a customer care representative and we can then assist in identifying exactly which account belongs to her and at that point we can see what we can do to resolve this matter.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have contacted this company since Monday 12/23/13 and they do not call back! I've asked for a copy of their license and they do not respond! I have also asked for a copy of the payment agreement because it is no longer available everytime I log into the acct. and it is no longer available to view! This is really aggravating and I've never had to deal w/ anything like this before!! I have 3 small children and the fact I needed a small loan and what the terms and monthly payment that was agreed upon was falsified! They wait to change the terms until after you sign the agreement and charge you ridiculous fee's and this is not good business, it's unfair business! Someone needs to close this company down or take away whatever license these people do have in order to stay in business!!  

Business Response: We have located this account.  The address we had on file was in S*******, GA.  This was a Children's Book of the Month Club account with an outstanding balance of $91.22.  Also, this account was reported OUT of the credit bureau on July 29, 2013.  If Ms. ******* is still seeing this on her credit report, she must address this directly with the credit bureau (we do not report to Equifax). 

This account was opened in the name of ******** *. ******* on May 13, 2008, the book titles were ordered on May 15, 2008 and the titles listed in the activity list are:

CHILDS BACKPACK
DIRT ON MY SHIRT
DORA *** *******
YUM-O COOKBOOK
MOM.DO U LOVE ME       

Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be
valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

THE ATTACHMENT MS. ******* ENCLOSED IS NOT ONE OF OUR INVOICES, nor does it correspond with the book account we had in our system for her.  Also, West Bay does not charge interest of finance charges of any sort.  

12/17/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have received a letter following a call from an individual from a company called West Bay Aquisitions LLC. This letter indicated that West Bay Aquisitions LLC had purchased an an account that belonged to me from Disney Wonderful Wor. The stated account #************ and it was indicated that it was opened 03/21/2007 and past due $48.86 for specific titles. I am disputing this since a very long time ago I can remember indicating to a sales person that we were not interested in purchasing books since my daughter obtained all necessary reading from a nearby library for free. In addition due to work schedule away from home it did not permit monitoring of mailed items. The West Bay Acquisitions, LLC Reference Number on the mail is ******* Unfortunately it seems as though I was billed for stuff although that has now affected my once well protected credit score of 780. I have lost 80 points due to this.

Desired Settlement: I would like to regain my credit score and have the issue removed. I am not sure how and if this can be done. I do not know how to validate if books that I asked not be sent were mailed to my home in 2007. However, I am willing to pay the $48.86 to correct my Credit Rating.

Business Response: In response to case # ******* wherein the consumer believesthat they do not have an account with Scholastic: This account originated as a Scholastic/Disney WonderfulWorld of Reading book account opened in the name of ******* ***** on March 21, 2007.  West Bay Acquisitions and all of our partner agencies abideby all FDCPA and FCRA laws. It is our company policy that all disputed debts bethoroughly investigated in determining whether a dispute is a result ofidentity theft or simply confusion on the part of the consumer that they didnot remember making the transaction. All of the accounts that West BayAcquisitions has purchased are verified by the issuer to be accurate and validdebts.  Based on Mr. *****’ dispute, we havedecided to cease all collection activity and close this account.  Additionally, we have submitted a request forthe account to be removed from any consumer reporting agency files to which wemay have submitted information.  Consumerreporting agencies can take up to 45 days or longer to update their records andthis is beyond our control. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

12/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This letter is being sent to a negative mark on ALL my credit reports. This a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that your office have reported invalidated information to the 3 major Credit Bureau’s (******** ******** *** **********) this action might constitute fraud under both Federal and State Laws. Due to this fact, you have exactly 30 days to remove any negative mark that is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by ****. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. the account number in which it is showing is ***********

Desired Settlement: IMMEDIATE REMOVAL FROM ALL 3 CREDIT BUREAUS OR I WILL FILE SUIT IN SMALL CLAIMS COURT SWIFTLY

Business Response: In response to case # *******, ****** *****, whom states she does not knowwhat the debt is for, but would like it removed from her credit report, WestBay Acquisitions, LLC, responds as follows: West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws. It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction. All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts. Unfortunately, we cannot locatethis account with the information provided. West Bay will need more information to identify this debt.  This can sometimes happen if a last name haschanged.  The account number provideddoes not match any of our account  numbers. This account may have gone to another agency.  The fastest way to locate this account wouldbe for her to call this office and we can ask her some brief questions.   Oncewe locate the account, the agent will explain the account to her and at thatpoint we are happy to work out a resolution.  *** ***** should call this officeat her convenience at ************. 

Consumer Response: the other name I have had is ****** *********** or ****** ****, I still want this removed as again this is not mine, nor a valied account  

Business Response: In response to case # *******, ****** ****** whom states she does not knowwhat the debt is for, but would like it removed from her credit report, WestBay Acquisitions, LLC, responds as follows:This account originated as a ***************** ***** ****Club book account opened in the name of ****** **** on August 29, 2006. West Bay has investigated the dispute, denies the dispute, but in order to avoid further escalation, we havedecided to cease all collection activity and close this account.  We have recalled the account from the outsideagency, *** *******, and have instructed them to remove the account from anyconsumer reporting agency files to which they may have submittedinformation.  Consumer reporting agencies can take up to 45 days or longer to update their records and this is beyond ourcontrol.  

12/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is on my credit for a negative of $31.00. No clue what company this is. And why they are on my credit.

Desired Settlement: I want them to remove themselves from my credit for that $31.00.

Business Response: West Bay Acquisitions is an Accounts Receivable Management company.  We collect on many different types of accounts, including book accounts, music and utility accounts.  Unfortunately, we are unable to locate this account with the information provided.  This could be because a last name has changed or an address has changed.  Ideally, we need the account number which is usually listed on the credit report.  Ms. ****** should call this office at ************** and speak with a customer service representative to locate this account.  Once we identify the correct account, Ms. ****** should recognize it.  Either way we want to help resolve the issue, but cannot do that until we either speak with her or she provides an account number. Thank you.

11/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has placed fake accounts for collection on my three credit bureau reports. WEST BAY ACQUISITIONS LLC claims I owe $24.00 but I do not have accounts with them, or with anyone that they work for. I have never been contacted by the company regarding the entries by any means of communication and only found out about the dispute via pulling my credit report. The entries are false, inaccurate, and misleading and are causing harm to my finances and my great credit rating. I have researched this company and they have a reputation for putting false claims on credit bureaus that do not belong to the person.

Desired Settlement: I would like these charges removed from my credit report as soon as possible so as not to affect my future borrowing ability as well as the debt being forgiven.

Business Response: In response to case # ******* wherein the consumer states that they do not know who the original creditor is, but that West Bay should remove this debt from their credit report:   West Bay Acquisitions, LLC, and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.   Mr. ****** believes he does not owe this debt and demands it be removed from his credit report, yet has no idea what this debt is for or who the original creditor is.  Therefore, for Mr. ******’s information, this is a ********** **** club account which was opened in the name of **** ****** on February 27, 2007.  The name of the book club is ****** ********* *********.  The last two titles listed on this account are DCO-Winnie and DCO-Mickey.  This information is based on the computerized and hard copy books and records provided to West Bay Acquisitions, LLC by ******* Publishing Interactive, Inc. (formally known as **********) on April 11, 2013.    This particular account has been placed with *** Systems.   Mr. ****** will have to call *** to pay or dispute this account and/or address any issues.  *** Systems can be reached at ************.  Mr. ******’s account number is ************.

11/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions has placed a collection account on my credit report. I do not hold, nor have I ever held an account with "the literary guild". They currently claim themselves "collecting" on an account to the tune of $84. Apparently, the account was placed for collection on 6/11/2013. I cannot view anywhere I should have been making payments on the account, and I have gone through the trouble of paying for credit reports from all three bureaus -- nothing, nada. I never gave authorization for them, "the literary guild", to sign me up for anything. If this were the case, I'm sure they'd have some type of documentation alluding to this, and yet they do not. I have checked all of my email accounts looking for some reference to this "literary guild" and I have found nothing indicating that I signed up and agreed to pay for anything. I also have not received any written notification of this alleged debt. Furthermore, I recently graduated and everyone knows that students are kings at finding resources for cheap books. I rarely pay for a new book. Foolishness.

Desired Settlement: I require a letter from both "the literary guild" and West Bay Acquisitions stating that this account is false and that they will be annulling me of these charges, and clearing this collection from all three reporting agencies. This needs to be removed from my credit report and promptly.

Business Response: In response to case # ******* stating that the consumer believes that she did not have an account with Literary Guild Book Club, West Bay Acquisitions submits the following:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Literary Guild Book Club account opened in the name of ****** ******** on 05/9/2008.  The last items ordered on this account were ordered on 5/13/08, entitled Bisquick Cookbook, Twisted Creek, WholeTruth.   We have investigated this dispute and do not agree with the dispute, but in order to avoid further escalation we have decided cease all collection activity and close this account.  Additionally, we have submitted a request for the account to be removed from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies can take up to 45 days or longer to update their records and this is beyond our control. 

Consumer Response: The accepted resolution to complaint ******** is that West Bay Acquisitions, LLC will "cease all collection activity and close this account.   Additionally, we have submitted a request for the account to be removed from any consumer reporting agency files to which we may have submitted information."  Further escalation/action will be taken should West Bay Acquisitions, LLC not abide by their promise/response to my complaint. All responses have been duly noted and recorded. 

11/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This letter is being sent to a negative mark on ALL my credit reports. This a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that your office have reported invalidated information to the 3 major Credit Bureau’s (Equifax, Experian and TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, you have exactly 30 days to remove any negative mark that is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, ***** *******

Desired Settlement: IMMEDIATE REMOVAL FROM ALL 3 CREDIT BUREAUS OR I WILL FILE SUIT IN SMALL CLAIMS COURT SWIFTLY

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Black Expressions book account opened in the name of ***** ******* on December 10, 2008.   

Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I want the negative trade lines deleted off my credit reports from the 3 credit bureaus. In the response there is no mention that it will be done. If it cannot be done I will proceed with filing suit in court because this debt cannot be validated. Will this be taken off my credit reports?

Business Response: West Bay does not report to Equifax. We have submitted a request for the account to be removed from any consumer reporting agency files to which we may have submitted information.  Consumer reporting agencies can take up to 45 days or longer to update their records and this is beyond our control. 

11/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have recently begun refinancing my mortgage and have been asked to explain a charge shown on my credit report for a debt collection. I have never heard of West Bay Acquisitions but upon further research I have discovered they are collecting debts on behalf of "Hollywood Video". I have never once had a Hollywood Video account nor have I ever rented a movie from any video store. This charge is now affecting my credit, my application process for my refinance and I have never once received any formal notification of this debt of $30 owed to any business. The only way I learned of this charge was from it being on my credit report and my bank notifying/requesting me to explain the collection charge.

Desired Settlement: I would like this debt collection charge removed from my credit report and a written letter stating that this was completed.

Business Response: In response to case # *******, ******* *******, whom states she does not know what the debt is for and thinks it may be Hollywood Video, but would like it removed from her credit report, West Bay Acquisitions, LLC, responds as follows:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
We do not service or own any Hollywood Video accounts.  This is NOT a Hollywood Video account.  Unfortunately, we cannot locate this account with the information provided. We will need more information to identify this debt.  An account or reference number is preferred.  Account numbers are listed on the credit report, usually followed by x’s.  If Ms. ******* had a previous address, this debt could be listed under a previous address.  If she had a maiden name, it could be listed under a different last name.  The fastest way to locate this account would be for her to call this office and we can ask her some questions.  Once we locate the account, the agent will explain the account to her (which she will most likely recognize at that point) and then we can work out a resolution.
 
Ms. ******* should call this office at her convenience at 888-737-7608 and we are happy to assist her.

11/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC is trying to collect from me on two fraudulent credit card purchases made on my credit card. One for $14.70 and one for $15.70 (Smart Readers/Book of the Month Club/BMC *BOMC ************ PA/BMC*CHILDRENS BOOK CLB ************ PA). I never made either of these purchases and Chase found them to be fraudulent back in 2007, and refunded my credit card. They contacted me in 2011 and I was able to email/fax someone at the time explaining this and they stopped contacting me. They've since again filed a collections notice, etc. to the credit bureaus. Please help me fix this. As it is ruining my otherwise good credit.

Desired Settlement: Remove any charges, close any accounts related to these episodes of fraud, stop contacting me ,and remove any collections notices, any other type of notice that they filed with all/any of the credit bureaus.

Business Response: In response to case # *******, ****** *****, whom states he would like this account removed from his credit report, West Bay Acquisitions, LLC, responds as follows:   This is a Smart Readers Reward Book Club which was opened in the name of ****** ***** on August 14, 2007. The original account number assigned by the issuer was *********. West Bay Acquisitions, LLC (WBA) purchased the account from Direct Brands Inc., the original issuer, on April 15, 2011.  The balance on this account is $125.15, not $14.70.  $14.70 was paid into the account.
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and permanently close this account.
 
The other account which Mr. ***** spoke of was a Children’s Book of the Month Club which did not have a balance of $15.70 as Mr. ***** stated, but had a balance of $99.82.  $15.70 was paid into the account.  This account was closed on September 8, 2011 because Mr. ***** sent in a Cease and Desist letter, and we decided to not pursue the account legally and to close the account.  If this account is still showing on Mr. *****’s credit report, he needs to dispute it directly with the credit bureau.
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

West Bay, I want clarification on one thing. I want to make sure that you will close any open accounts/collections on my credit reports as well. I will accept the offer otherwise. Thank-you

Business Response:

We have requested the tradeline be removed from your credit report.  This could take the bureaus 45 days or longer to remove this, and this is out of our control.  Regarding the account closed in 2011, we made that request back then.  So, as stated in our initial response, if Mr. ***** is still seeing that on his report, he must dispute with the bureaus directly.

11/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: THIS COMPANY HAS REPORTED A $155.00 COLLECTION ITEM ON MY CREDIT REPORT, TODAY, 10/31/13. THIS IS NOT THE FIRST TIME I HAVE HAD TO FILE A COMPLAINT FOR THIS SAME ISSUE. THEY DID THE SAME THING A FEW MONTHS AGO, I FILED A COMPLAINT AND HAVE A LETTER FROM THEM STATING THIS HAS BEEN REMOVED FROM MY NAME AND CREDIT REPORT. THEY DID REMOVE IT FROM MY CREDIT REPORT ONLY TO PUT IT BACK ON THERE. HOW DOES THIS COMPANY THINK THEY CAN RELEASE A DEBT (WHICH IS NOT MY IN THE FIRST PLACE) AND THEN PUT BACK ON YOU?

Desired Settlement: I WANT THIS REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AND DO NOT EXPECT TO HAVE TO DEAL WITH THIS SAME ISSUE AGAIN!!!

Business Response: In response to case # 9785565 stating that the consumer believes that they did not have an account with ******** ***** Book Club, West Bay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abide by all ***** and **** laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a ******** ***** Book Club account opened in the name of ******** ********* on 05/19/2008.  Based on ******** *********’s dispute, we have decided to cease all collection activity and close this account.  Additionally, we have requested the account be deleted from any consumer reporting agency files to which we may have submitted information.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

AS STATED IN THE COMPLAINT, WE HAVE GONE THIS ONCE BEFORE.  THEY DELETED THE INFORMATION FROM MY CREDIT AND SUPPOSEDLY CLEARED MY NAME (I HAVE A LETTER FROM THEM STATING THIS) ONLY TO HAVE THEM PUT IT ON THERE AGAIN.  HOW DO I KNOW THIS WILL BE THE END OF THIS???  IT'S OBVIOUS THIS COMPANY IS SHADY (AS FOUND IN COMPLAINT HISTORY).  MY NEXT STEP WILL BE TO GET A LAWYER.  

Business Response: This complaint has been responded to.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

once this comes off of my credit I will close the complaint  

11/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I found that I am in collections with this company when I have never heard of them before. I have also just found out that I have been the victim of identity theft and I am working to clear my credit. I stumbled onto the fact that I supposedly owe this company $32 for an account that I had no prior knowledge of. I have never been contacted by them nor have I received any goods or services from them and I am furious that a company can just place a damaging report on anyone's credit and not inform them. I do not want to add this to my identity theft case but I will gladly pass the information along to my lawyer if this is not removed from all 3 (three) credit reports within 30 (thirty) days. I have an anxiety induced autoimmune disorder that has been flared by this entire situation. When I saw this activity on my account this evening I had to be medicated so that I did not end up in the emergency room. If this is not handled quickly, I will easily be able collect damages for my decline in health and I will collect damages from West Bay Acq for damaging my credit as well.

Desired Settlement: West Bay Acq will remove all damaging collections accounts from my 3 (three) credit reports and no further contact ever.

Business Response:     West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.   We are a collection agency, so *** ****** should understand she wouldn’t be receiving any services or goods from us, we collect for services or products previously purchased from another company/entity.  We will need more information to identify this debt.  An account or reference number is preferred.  Account numbers are listed on the credit report, usually followed by x’s.  If *** ****** had a previous address, this debt could be listed under a previous address.  If she had a maiden name, it could be listed under a different last name.  But as of right now, our records do not reflect a ********* ****** ** *******.  The fastest way to locate this account would be for her to call this office and we can ask her some questions.  Once we locate the account, the agent will explain the account to her (which she will most likely recognize at that point) and then we can work out a resolution.   *** ****** should call this office at her convenience at ************ and we are happy to assist her.

10/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has filed a negative in my credit and cannot even find the account! When disputed as told, it still remained on my credit...all of $28...the manager told me he would get to the bottom of it and call me back in1/2 hour, but did not. I have now disputed this erroneous credit, but find it appalling that the company listed on my credit with an account number cannot even find it. This should be illegal and this company should not be able to do this! I cannot believe the credit agencies allow this type of reporting, it is just shameful!

Desired Settlement: This email shall stare that you will remove this $28 negative from my credit report immediately!

Business Response: In response to case # *******, ****** *** *****, West Bay called Ms. *** *****’s back the next day.  West Bay informed her the account was closed.  West Bay also sent her a letter with all the details.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/30/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I found a collection charge from them on my Credit Report for $31.00 last year from this same company which was taken off now they did it again for the same amount and when I called them they asked if I lived at *** *** street in *******, WA and I said no I have never lived at that address. She continued to tell me well the only way to get it off of my credit report was to pay it or dispute it. I told her I am disputing it right now and she said that I had to do this in writing or pay the bill. Why should I pay for something when I never lived at that address and I will dispute this in writing as well, but if it is not me then why should I. and if I am already disputing this by phone why can I not send them an Email disputing this as well. Very upset over this.

Desired Settlement: I want this off of my credit report ASAP.

Business Response: In response to case # *******, ****** *** *****, stating she will not pay this debt, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music account opened in the name of Connie ***** on March 17, 2007. 
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.
 
Additionally, for Ms. *****’ information, we sent a request to the bureaus on 8/5/13 to have this tradeline removed.  If Ms. ***** is still seeing this on her credit report, she will have to call Experian and Transunion directly to dispute the account.  We do not report to Equifax.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A collection has shown up on my credit report in the amount of $86. I have never received a letter or any notification as to the creditor whom I allegedly owe. I have never heard of this agency!

Desired Settlement: remove this from my credit report. Send a detailed letter explaining the alleged debt.

Business Response: In response to case # ******* wherein the consumer states that she should not have to pay the remaining balance on her account and would like the charges removed:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This is a Literary Guild Select book account which was opened in the name of ****** ******** on May 19, 2008.  We sent a notice to Ms. Reynolds on February 24, 2012 listing the details of this account.  We will send another notice and Ms. Reynolds should have this by the end the week.  Once she receives this, if she has any questions, she should call this office.  The titles of the last items ordered on this account are as follows: Traveler Tote, Odd Hours, Guilty (Robards), and Honor Thyself.  In the interim, we have marked this account as disputed. The reference number for this account is *****.  Thank you.

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has placed fake accounts for collection on my three credit bureau reports. I contacted the credit bureaus, Trans Union, Experian, Equifax and they stated that they contacted West bay Acquisitions and the company refused to correct and remove the entry WEST BAY ACQUISITIONS LL #***************.$54 I do not have accounts with them, or with anyone that they work for. I have never been contacted by the company regarding the entries. The entries are false, inaccurate, and misleading and are causing harm to my finances and my perfect credit rating. I have researched this company and they have a reputation for putting false claims on credit bureaus that do not belong to the person.

Desired Settlement: Remove all false credit bureau entries.

Business Response: In response to case # ******* stating that the consumer does not have an account with West Bay, West Bay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FC*A laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  For ****** ********’s information, we are a collection agency and the account we attempted collection on is a Quality Paperback book account.  This account was opened in the name of *.*. ******** on May 7, 2008, the book titles were ordered on May 8, 2008 and the titles listed in the activity list are: A NEW EA*THQPB OVE*NIGHT BAG (free gift)MOLTO ITALIANO*ACHEL *AY 365W*ITE WHEN GONEASK AND GIVENDOES.THIS.CLUT-C Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # *******. Please add your rejection comments below.  [still not me, and west Bay has not stated that they will remove the entries that they have placed on the three credit bureaus.  Regards, ****** ********  

Business Response: West Bay will request to have the tradeline removed.  Please keep in mind, it will take the credit bureaus 45 to 60 days to do this, and this is out of our control.

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my credit report, and found that as of June 2013, this company has been reporting to the credit companies I am in Collections for $32 for "New Book of Knowledge". I was very upset when I saw that West Bay Acquisition had reported me to all the credit companies for this. I looked it up, it is apparently some sort of encyclopedia. I do not own it, never bought it, this account is not mine. I have not bought anything like this from any company, and definitely not them. I have never received a bill nor had any communications regarding this false debt. They are reporting different addresses of theirs to each Credit Company.

Desired Settlement: I would like to get this permanently removed from all 3 credit bureaus. I would like them to not report me falsely in the future.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:   This account originated as a Scholastic/New Book of Knowledge book account opened in the name of ***** *********** on May 23, 2007; the titles listed on this account are as follows:  NBK Burgundy V3+Post, NBK V2 Burgundy, and NBK V1 Burgundy.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
West Bay has investigated the dispute, denies the dispute, but in order to avoid further escalation, has decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

10/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Back in October of 2011 a negative entry was made on my credit report by WEST BAY ACQUISITIONS for $65 for something that I never purchased. At that time it was investigated and determined that I did not owe anything and it was an error. WEST BAY promised to remove all negative credit information they had filed and remove me from their lists, which they seemed to do. Now, two years later, they are reporting the same nonsense again on my credit report, for the same amount and from the same company. This is completely ridiculous that they removed it for two years and are now trying to collect on something that I never even ordered or wanted. This is after they said it was an error and would be removed.

Desired Settlement: I want the negative entry from my credit report REMOVED and I want it to stay off.

Business Response: In response to case # *******, ****** ****, whom states he would like this account removed from his credit report, West Bay Acquisitions, LLC, responds as follows: This is a Quality Paperback Book account which was opened in the name of ****** **** on May 13, 2008. The original account number assigned by the issuer was *********. West Bay Acquisitions, LLC (WBA) purchased the account from Direct Brands Inc., the original issuer, on April 15, 2011.  West Bay ceased all collection activity and closed this account on October 2, 2013.  At that time we submitted a deletion request to both Transunion and Experian (we do not report to Equifax) requesting a full deletion of our tradeline (attached). Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and permanently close this account. (attached AUD deletion)

10/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay placed an account on my credit report for Disney Princess. I tried to contact West Bay for a week. Finally, I got an answer. The representative would not give me her name. She insisted that I had an collection account from Disney Princess. She wouldn't even give me their phone number. She told me to go on the internet and find it. So I did. I contacted DP customer service. They told me to call them back and ask for the account number associated with this. I did and they gave me #************. I called customer service for Disney Princess back and gave them the account number. This number does not exist and they could not find anything about me in their system. Or anything about West Bay. I contacted West Bay to tell them what I found. They did not want to cooperate with me. She said they were going to mail and form out to me. I ask her if she could call them to verify the information. I need this removed from my credit. I am in the process of buying a house. This is not fair, these people are scam artist. I never received any type of notice for this.

Desired Settlement: I did a little investigating of my own. These people have bad, bad practice habits. Please flag these people or something to help stop them for destroying hard working people lives. Thank you....

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Because of the accusations made in this complaint, West Bay pulled the call recording and listened to the call.  It was quite the opposite in that Ms. ****’ would not cooperate with the agent.  Contrary to Ms. ****’ complaint, the call agent was extremely polite and very patient with Ms. ****, also giving her name when asked by the consumer and informing the consumer of all the details of the account, along with how to go about the dispute process.  We have this call recording available to the BBB or Ms. **** if either wish to review the call. A notice was sent to Ms. **** in which she will see all the details of this account.
 
This account originated as a Scholastic/Royal Disney Princess Club book account opened in the name of ****** **** on January 30, 2007; the titles listed on this account were ordered in January and February of 2007, and are as follows:  8 CHAR POSTER, A PROMISING DAY, JUST IN TIME, MIXED UP MORNING, PRINCESS TIARA, READY SET THROW, SWEET SUCCESS, WATCH OUT ARIEL.
 
Because Ms. **** claims to be buying a home, we do not want to cause any undue stress.  West Bay has investigated the dispute, denies the dispute, but has decided to cease all collection activity and close this account.  We have made the request to any reporting agency this debt may have been reported to, to have this tradeline removed.  This may take the credit bureaus 45 days or more and this is out of our control.
 
If Ms. **** has any questions, she should feel free to call this office at 1-888-737-7608.  We hope this satisfactorily resolves the matter.
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

I stand by my letter 100%. The real question is, did they send all the recordings in. I bet they didn't. They are not the good guys here. This should have never taken place. A copy of this letter has been sent to an attorney. He has contacted all the necessary people. No record of this information have been found. He has advised me to wait the 45 days. Then contact him with the results. 

10/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am trying to get approved for a home loan and have been working on my credit for the last 9 months and I check it tonight to see that I have a $366.00 charge with this company I have never heard of. I have never received a bill or anything regarding this charge please remove it from all three of my credit reports ASAP

Desired Settlement: I want these charges removed from my credit report seeing as how I have never received a bill from this company EVER!!

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balance with us and would like this removed from their credit report:  West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.
 
In response to Ms. *******’s dispute, please be advised, this is a STREAM ENERGY account.  We have sent four notices to Ms. *******.  Notices were mailed regarding this outstanding debt on June 18, 2012, October 19, 2012, February 5, 2013 and again on April 3, 2013.  West Bay mailed these notices to ***** ****** Drive, ******n, TX  *****.  None of these notices were returned to our office as “undeliverable” so we can only assume she received them.  The notices included the original creditor’s name, the amount owed and the date the account was opened, along with all of West Bay’s contact information.  To date, Ms. ******* has never called this office to inquire about this debt on her credit report or the notices sent to her residence.  The original creditor, Stream Energy, has confirmed the name and address listed on the account as well as the amount owed.  Stream has also provided the invoices which reflect a breakdown of the charges.  Those invoices have been attached to this response, for her review.
 
Ms. ******* should call this office at 888-737-7608 and any customer service representative will be happy to assist her.  Her account number is ******.   In the interim, we have marked her account as disputed.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.  I have not received any notices when I spoke with the rep at Stream they said that they could not"validate" anything seeing as how they never spoke with me ever!!

Business Response: Stream sold West Bay the account.  They let the consumer know the account is now with us.  Stream is aware of this account and has confirmed everything.  Stream provided the invoices which we attached to this response.

10/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received an email from credit karma that my credit score was updated. I logged in to find out that a $31 charge had been sent to collections. The company charging the $31 is West Bay Aquisitions located in Cranston Rhode Island. I called them to figure what the $31 was for. They said in 2006 I ordered music from BMG music and never paid for the sales package. I do not recall ever ordering music from BMG and if I did, I am sure the charge would have been placed way before now. It has been almost eight years and it just now goes to collections? They refuse to provide details over the phone dealing with the account. They have no evidence at all to backup the charges. They also said that other companies had the debt before them. So I asked well why didnt they post it to my credit report? The man said " I can't speak for those other companies". I know I did not make a purchase on BMG and West Bay's story is flawed. This company has had over 600 complaints in the last month. I want my credit score returned back to where it was and West Bay removed from my report.

Desired Settlement: I want the $31 charge off my credit report and my credit score back to where it was. I also want West Bay Aquisitions to be investigated and legally punished for damaging peoples finances.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music account opened in the name of ******* ******* on December 20, 2006. 
 
Our review of the records for this account show that the outstanding charges are valid. While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

10/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am calling in response to a credit inquiry that I authorized my realtor to make in order for me to be approved for an apartment. My realtor contacted TransUnion and TransUnion informed them that I had an account in collection, and that this was affecting my credit score. As a result, I was declined approval for the apartment on 9-24-13 based on this credit score. My realtor encouraged me to call TransUnion and I did. I check my credit score every January for accuracy and in January of 2013 my credit had no such collection action against my credit report. TransUnion told me that there indeed was a new collection in my credit history, which appeared on May 23, 2013. They told me the name of the group was RMG and I was given a phone number listed as belonging to West Bay Acquisitions LLC. I have no idea who these people are and I have never received a phone call from them, I have never received any correspondence indicating there was a collection action, or that I owed money to anyone. In fact, I owe no one any money. I called West Bay Acquisitions to dispute the charge and they were very vague about what the collection was about, saying only that it was from a 2002 subscription. I told them I had no idea what they were talking about and I wasn't paying. I asked them why they did not try to get a hold of me before damaging my credit if they thought I owed money, and they did not answer. They then demanded money from me "to take the collection action off of my report whether I owed it or not." When I told them there should be no collection action on my report at all because I don't owe anything to anyone, I was told not to "give them attitude," and I was called "arrogant" when I denied the debt. I told them to send me proof that I owed them anything and they then hung upon me. I then called TransUnion back and told them I had spoken to West Bay / RMG, or whoever they are, and that I was convinced this was a fraudulent situation based on their behavior, the limited details they were able to give me, and the lack of notification that there was even a debt issue. Transunion is now disputing the collection action. I want all 3 major credit reporting agencies to remove this collection action against me as fraudulent and would like appropriate punitive action to be taken against these frauds to insure they won't do this to anyone else. This behavior should be illegal.

Desired Settlement: I want all 3 major credit reporting agencies to remove this collection action against me as fraudulent and would like appropriate punitive action to be taken against these frauds to insure they won't do this to anyone else. This behavior should be illegal.

Business Response: In response to complaint #*******, ***** *****, we have every intention to investigate this complaint to the fullest.  All of our calls are recorded and this call will be reviewed.  We are unable to locate this account with the information provided. Please provide an account number.  If that is unavailable, we may be able to locate it if there was a previous, different last name; if there was, please provide that.  Or, Ms. ***** may call this office at 888-737-7608, x*** and I will personally help her locate the account.  Once the account is located, we will then work on a resolution.  Thank you. 

9/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In March of 2013 I check my credit report. I was very upset when I saw that West Bay Acquisition, had place a charge of $133.00 on my credit report. I contacted them, I was told to send a letter stating my finding. The letter was sent it was immediately removed from my Experian credit report. September 2013 I review my Trans Union credit report, to discover it's on my report again but now it's for $132.00 and West Bay has sold the account to Chase Receivables. These people have ruined my credit score. When I called Chase Receivable all they could tell me was they will have to investigate my complaint. Meanwhile, my credit was dropped by almost 70 point. I have told them over and over I have never ordered a CD or DVD ever. Someone please help me I'm being falsely accused.

Desired Settlement: I would like to get this removed from all 3 credit bureaus.

Business Response: In response to case # ******* stating that the consumer states they would like this debt removed from their credit report, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of ***** ******* on May 11, 2008. 
 
Based on Ms. *******’s dispute, we have decided to cease all collection activity and close this account.  Chase Receivables has been notified of our decision to close the account and was instructed to delete this account from the credit bureaus.  Ms. *******’s points should go back to what they were once this tradeline is removed.  If Ms. ***** has any further questions, she should feel free to call this office at **************.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I understand that by choosing to accept the business response that my complaint will be closed as resolved.   9/29/2013  Thank you for your prompt attention.  Please correct my last name from ******* to *******.                           

9/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This "business" sent me a collection notice for $94.12, which I allegedly owe to Columbia House DVD, which supposedly I enrolled in April 20, 2005. I've never created an account in this company, and obviously never purchased any items or received any services from it. Please look into this company.

Desired Settlement: I want the West Bay Acquisitions, LLC. company to stop harassing me and sue if necessary for trying to pull a scam on me.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of ******* ******* on April 20, 2005. 
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

9/24/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my credit report to find a charge - in collections!! - from West Bay Acquisitions, although I have not ever transacted business with this company. I have received no notice of any type from this company indicating that money was owed, and I have NO idea what the $87 charge is even for. I'm incredibly upset that a company can just throw something on your credit report, and list it in collections which is damaging, without an individual's knowledge. This should be criminal behavior, and West Bay should be sued out of business and the owners fined heavily.

Desired Settlement: I want this fraudulent charge removed from ALL 3 credit bureau reports, and I want no further contact - EVER - from this company. DO not call, do not solicit, do not transact business - all of the above.

Business Response: In response to case # ******* stating that the consumer states they do not know what the charge is for or why it is in collections, but demands it be removed anyway, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of ****** ******* on September 7, 2004.  This is a Due On Contract charge. 
 
West Bay has investigated this dispute and denies the dispute.  However, in order to avoid further escalation, we have decided to cease all collection activity and close this account.  

9/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have had this company place a negative collection on my credit report. I do not owe anything to this company nor do I know who this company is. I have read numerous accounts where they have been placing negative reports on numerous peoples credit reports. I believe this to be a scam and it is damaging to my credit while I am working so hard to to bring my score back up. I had to put a purchase date for this complaint to go through, but I never purchased anything from this company.

Desired Settlement: I would like this removed from my credit report immediately.

Business Response: In response to case # ******* wherein the consumer believes the mark on their credit report involves a purchase from West Bay and demands this be removed from her report:  For Ms. ******’ information, we are a collection agency and this collection is due to an outstanding balance for an account which originated as a Scholastic/Dr. Seuss & Friends book account opened in the name of **** ****** on January 7, 2007.  The last item ordered on this account is a book titled Horton Egg Who, ordered on January 7, 2007.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Ms. ******’ dispute, we have decided to cease all collection activity and close this account.  
 
 

9/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just found that West Bay Acquisitions has a debt listed on my credit report for 48.00 dollars. I have never purchased items through the music group they listed as a debt and should not have this item on my report. I believe this company is illegally trying to collect money from people that are not their debts, and wish to have this item removed from my credit report as I have never purchased items in my life from BBG music.

Desired Settlement: My desired outcome is that this company stop trying to solicit debts not owed by individuals and also have this false debt removed from my credit report immediately. They are definitely not practicing fair debt collection and appear to be trying to scam many individuals out of money that is not owed!

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG Music account opened in the name of **** ****** on July 13, 2007. 
 
Our review of the records for this account show that the outstanding charges are valid.   While we have completed our investigation of this account and believe the debt to be valid, in an effort to avoid further escalation, we have decided to cease all future collection activity and have closed this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have never had an account with BMG music in my name and this is an erroneous claim.  I do not feel I am responsible for this debt and it should be removed from my credit report.  I again, have NEVER had an acccount with BMG music nor heard of this company!  I have read about this collection company West Bay Acq. and there are many other people that have also filed complaints as they are trying to (according to what I have read) get money from people that have never heard of the companies they are trying to represent.  I am very upset and want to know how this company gathers their personal information!  I need this resolved immediately and am not responsible for this debt of someone else!   

Business Response: Dear Ms. *****,  If you read our response, we told you we have closed the account.  This will come off your credit report but it will take a minimum of 45 to 60 days.  We are a collection agency - of course you will only see negative statements online.  You can look up our company online at the Rhode Island Secretary of State's website.  Please feel free to call this office at 1-888-737-7608 if you have further questions.

West Bay Acquisitions, LLC.

9/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has placed an invalid claim on my credit report of $32 I don't know how they attain the information of individuals in order to place these false claims on ones credit report. However after Google the business name I see they have done this to thousand s of people or more. I will not pay some fraudulent claim and I cant afford to leave this on my credit. How do I and others get this off our credit and shut down this scam operation.

Desired Settlement: Reverse their actions and shut down their scam operation. I know BBB don't handle legal issues however their sould be a class actin suit aganst these people and they should go to jail.

Business Response: In response to case # ******* wherein the consumer this should be removed from their credit report, but do not know what the debt is for:   If Ms. ***** called the number listed on her credit report, we could have informed her of the details of this account.  This account originated as a Scholastic/Dr. Suess and Friends book account opened in the name of ** ***** on December 21, 2006. The charge was for the following items ordered in the time frame of December 2006 – February 2007, some of the titles are abbreviated:
 
Order Date and Item:
12/21/06                      Cat in the Hat Backp
12/21/06                      Dr. Seuss’s ABC
12/21/06                      The Cat in the Hate
12/21/06                      Green Eggs and Ham
12/21/06                      One Fish, Two Fish
12/21/06                      The Tooth Book
12/21/06                      It’s not Easy Being
12/21/06                      The A Book
12/21/06                      Arthur’s Reading Rac
12/21/06                      Sleepy Dog
12/21/06                      Thomas and the School
1/18/07                        The B Book
1/18/07                        Fox in Socks
2/15/07                        Ten Apples up on Top
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  Based on Ms. *****’ dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

I will add I also never received those books.

9/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has supprisingly placed deragotory information on my credit report file on 7/29/13, 8/5/13, and 8/16/13. A collection charge of $26 has been listed in my credit report file and placed as a "new account" on 7/4/13. I have already called the 1-888-737-7608 listed for this company requesting more information on this collection account recently placed in my credit report file. The representative I spoke to could not give me any detail information on this collection account. I gave my current residence address so any information regarding this account can be sent to me; however; I have not received anything from them. It has been over a month now. I am unaware of the nature of this account and most importantly have had a difficult time trying to clear it from my credit report which had NO NEGATIVE accounts prior to this one. I feel this company has violated my rights under the Fair Credit Act by adversely placing derogatory/negative information in my credit report without properly providing details of the amount or account.

Desired Settlement: I would like this collection account to be removed from my credit report file.

Business Response: In response to case # ******* wherein the consumer states she would like this removed from her credit report:  West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.
 
Ms. *********’s called this office on 8/5/13.  The account was explained to her, in its entirety.  I believe there may have been confusion on what exactly was being sent to her.  The call representative explained to her we would be sending her a letter (this would be the dunning notice); she also explained to Ms. *********, that once she receives that letter, her rights are listed there on there, and if she wanted verification, she would have to send a written request.  West Bay never received her written dispute, and therefore the invoices were not sent.  It was explained to Ms. ********* that the original creditor, Stream Energy, had confirmed the name and address listed on the account as well as the amount owed.  Stream has also provided the invoices with a breakdown of the charges.  Those invoices have been mailed to Ms. ********* in response to this BBB dispute.  In the interim, we have marked his account as disputed.
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

West Bay Acquisitions has made NO ATTEMPT to communicate with me prior to placing this derogatory mark on my credit file. (Not written & not verbal) I have no knowledge of what this alleged bill they say I owe them consists of. I certainly would NEVER allow an amount such as $26 to deliberately lower my credit score. When I called, they were only able to give me limited amount of information and could not provide what this amount I allegedly owe is for. I was told I would receive something in writing (which I have not). I also requested a fax# to submit a written dispute directly to them and C/S rep could not give me that either.  I am in the process of buying a car and this company has made it VERY difficult for me to obtain financing. I will move forward to next step if necessary in order to get this straighten out as soon as possible.

Business Response: These invoices have gone in the mail to ***** ********* today.  As I stated earlier, there may have been some confusion as to what was being mailed to her.  We only have to notify the consumer within 5 days of contact.  The dunning notice was sent within that time period. 

FDCPA §809. Validation of debts [15 U.S.C. §1692g] states:  Notice of debt; contents: Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the details of the debt in question.

Ms. ********* no longer has to send a written dispute as West Bay has sent the invoices to her due to the written complaint through the BBB.  If she would like to send a fax, our fax number is 401-383-8837.  If she has any more questions, she can call this office at 888-737-7608.  Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have not received any written communication from West Bay...not a dunns letter...nothing. I would like to obtain a copy of such letter that allegedly was mailed during the time I called. It would be preferred if any written communication be sent to me via certified mail. Once I receive the information I am requesting, I will forward to my legal counsel for further review.  

9/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I would like an itemized bill stating that this account applies to me and I would also like this removed from my credit report. I do not feel your company should have reported on my credit report without sending me a bill first. I cannot pay something if I do not have a bill in front of me and therefore I think your company has negatively report to purposely damaged my credit score and credit report and therefore it needs to be removed.

Desired Settlement: This company has not sent me any bills related to an account and has decided to negatively report on my credit report. I disputed this account with Experian Credit Report and the company claimed they have sent me a bill but I have not received anything and therefore I need some type of information from this company regarding this account.

Business Response: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
In response to case # ******* wherein the consumer states that she would like this removed from her credit report – West Bay would like to inform Ms. ****** the details of this account.  This is a BMG Music account which was opened in the name of ******* ****** on March 30, 2004.  The charge is for the following items:
 
Order Date                                          Item
5/11/2005                                            Moss, J – JMoss Project
5/25/2005                                            Jennings, Lyfe – Lyfe 268-192
5/11/2005                                            Jennings, Lyfe – Lyfe 268-192
5/11/2005                                            Williams, Lenny – Ultimate Collection
 
This particular account is placed with RMG Systems.  Ms. ****** will have to call RMG to pay this account or address any issues.  Once this account is paid, the credit report will be updated.  RMG can be reached at 800-764-5250 and they should also be able to give her the details of the charge.  Ms. ******’ original account number is ***********.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I would like a bill in the mail.

9/10/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been researching everything I can do regarding "West Bay Acquisitions" as they are alledging that I owe a $33 debt to them. I never received any debt notice nor phone calls regarding this 2007 debt they claim I owe. I found out about this alledged debt from my "Credit Sesame" account that monitors my credit. In July, I received an alert to my email where this company's name appeared. Immediately I researched the company and wrote down the number and called. I spoke to a representative whom apparently had looked up the account under my former name ******* ***** and the account was under my former address of *** ****** Road, *********, FL *****. The representative stated that it was a debt of goods that I received from "Schlolastic"??? I asked him when was this account allegly opened and he stated in 2007. Mind you, I have never officially received any letters or phone calls regarding this debt and only knew of it in July 2013 when I received a credit alert from "Credit Sesame". I called the company on August 7, 2013 and asked them to send me proof of the alledged debt that I owe as I would be disputing it. I know I do not owe this debt and need to do everything to get it off my credit report. My last name has changed since 2010 and my husband is an active-duty ****** Officer therefore, I know in some states there are special service member and family "rights" in some situations. If you could direct me in any way to get this taken care of.

Desired Settlement: Cease and desist collection efforts and remove from my credit report

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:   This account originated as a Scholastic/New Book of Knowledge book account opened in the name of ******* ***** on December 13, 2006.  

West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  

West Bay has investigated the dispute, denies the dispute, but in order to avoid further escalation, has decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I also understand that by West Bay Aquisitions closing the account, the collection account will/should be taken off  my credit report.  I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

9/10/2013 Billing/Collection Issues | Complaint Details Unavailable
9/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my experian credit score and discovered I had a $24.00 charge in collections. When I looked further I found the name of the company which I had NEVER heard of. I called the number and left a voice mail. When they called back I was told it was from 2008 and was from the schoolastic book club. I have never had any account from them, and more to the point I had never received an invoice from them. I have lived in the same place since 2006 so I am not so hard to find if they wanted to send me an invoice. The tactics of placing a detrimental report on my credit rather than trying to contact me to resolve it I find to be rather "strong arm". My first instinct is that this is just a scam to collect money from people who would rather just pay them to remove the report from their credit. No one has at any point offered any back up as to any transaction which initiated this situation.

Desired Settlement: I wish to have this negative report on my credit removed. And have the matter closed.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic: This account originated as a Scholastic/Dr. Seuss & Friends book account opened in the name of *** ******* on December 12, 2006. The charge was for the following items, ordered on December 12, 2006: DCO-WINNIEDCO-MICKEY West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction.

All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  Based on Mr. *******’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

This does satisfy my initial issue.  I do however want to make certain that my credit report/score will be corrected (derogatory report REMOVED) to reflect this issue resolution.
 

9/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has reported a fraud collection account on my credit report. The account us so old it is against collection laws for them to report it now. I called them let them know its not mine but the refused to listen also told them account is to old as well.

Desired Settlement: I want account removed from my credit

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Veggie Tales book account opened in the name of ****** ****** October 3, 2006.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Ms. ******’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: Needs to be removed from credit report also asap.

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

9/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A negative mark showed up on my credit report recently after I applied for a mortgage. My wife inquired further with the company reporting the debt, as it was one we did not recognize. West Bay Acquisitions alleges I owe this amount for an account with a music club that was opened in 2006 and charged off in 2007. I have lived at the same address since May of 2005 and have never contracted with any music service in the time I have lived here.

Desired Settlement: I want this fraudulent account closed and the information removed from my credit report.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG music account opened in the name of ****** ******** on August 22, 2005. 
 
Based on Mr. ********’s dispute, we have decided to cease all collection activity and close this account.  
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint . I understand that by choosing to accept the business response that my complaint will be closed as resolved. 

8/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice indicating that my ****** Wonderful World Reading account (#***********) had been purchased by West Bay Acquisitions, LLC. They demand full payment of the debt associated with a 2006 ****** Yearbook purchased/shipped on July 23, 2006 in the amount of $27.38. I never ordered, received, nor do I own a 2006 ****** Yearbook.

Desired Settlement: I want West Bay Acquisitions to know that I did not purchase the 2006 Disney Yearbook and that I should not be billed for $27.38. I would like them to remove this debt from their records. If any damage has been done to my credit report, I would like it removed immediately. I would like West Bay Acquisitions to stop contacting me about this issue.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:
 
This account originated as a Scholastic/Disney’s Wonderful World of Reading book account opened in the name of Danette ***** on July 23, 2007.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Ms. *****’s dispute, we have decided to cease all collection activity and close this account. 

8/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection agency is trying to collect on account from my minor child (currently age 16), who at the time of the alleged opening of the account would have been 9 years old. There is no such account that I am aware of an no such books listed in the notice were ever received.

Desired Settlement: This collection action may show up when my child becomes an adult and I want to make sure that this matter is closed and never shows up on her credit history.

Business Response: We have been notified from the original creditor that many of these scholastic book clubs were opened in the child's name.  That is probably the case with this particular account.  If Mr. ******* received a notice from us, we will need the account number OR reference number.  I am unable to locate this account based on the information provided.  The account most likely has the child's name on it.  If acct and/or reference number are not available, perhaps the account was opened under the  child's name.  If that is the case, we do need that name.  Mr. ******* can call this office as well, and we can help him locate the account.  Once we have the correct account identified, we can take steps to find a resolution.

8/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A fraudulent debt has appeared on my credit report that I did not purchase. I have worked extremely hard to keep a clean credit report. I have not received a letter from the company, or any mailer warning a debt or a new account. Experian sent me an alert saying that a new account had been set up, and the bill was now in collections. They have no proper documents to support their claim; therefore, they should not be able to blemish my credit report, especially without contacting me first. This is ridiculous. How is it even possible for a company to immediately report a negative charge on a credit report without notifying the customer?

Desired Settlement: Take care of the charge themselves, and remove the listing from my credit report, so that it does not affect my credit.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with **********:
 
This account originated as a **********/Dr. Seuss & Friends book account opened in the name of ****** Ready on January 11, 2007.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on ****** Ready’s dispute, we have decided to cease all collection activity and close this account. 

8/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i was made aware of this issue by my credit monitor program a $31.00 collection charge popped up on my credit report from this company and i was never sent notice of any debt or can not find anything in my records showing an outstanding balance of $31.00

Desired Settlement: for this absurd charge to be stricken from my credit report. although if it is proven to be my debt i will have no problem paying for it but should still not have it on my credit report

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Scholastic/Dr. Seuss and Friends book account, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ****** ***** on 3/18/2007.  We have mailed a notice to Ms. ****** containing the details.  Sometimes these notices can help the consumer remember the account once they see the details.  Ms. ***** should call this office at ###-###-#### if she has any further questions.
 

8/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Ran free annual credit report. Saw this company listed. Never had contact with them, all my contact info has been the same for 5+ years. The credit report lists this collections company as reporting to them in May 2013 for $94. This company cannot provide me with dates of services, or even why they "got my account" which is supposedly from Hollywood Video. Hollywood Video no longer exists at all and hasn't in my area in years. West Bay cannot say when they tried to contact me about the supposed fees to Hollywood Video, and can provide no documentation for me at all. They refuse to remove this negative account from my credit report. I am unwilling to pay this as I do not owe this company or (the no longer existing) Hollywood Video anything.

Desired Settlement: Remove their negative account from my credit report.

Business Response: In response to complaint #*******, ******* *******, we are unable to locate this account with the name provided.  Sometimes this is because the account was opened under a different last name.  Please provide an account or reference number which should be on the credit report.  If that is not available, if there is a maiden name or a different last name, that may help as well.  Also, I am unsure of who Ms. ******* spoke with in our office because we no longer service Hollywood Video and have not in quite some time.  We no longer have those accounts, they have all been returned to the Trustee of Hollywood Video.  So it is next to impossible that this would be a Holllywood Video account.  If the consumer is merely looking on the internet, they will not find accurate information.  We hold several other accounts.  The account in question is most likely a different account. 

Also, Hollywood Video account were NEVER reported to any consumer reporting agency by West Bay Acquisitions.  So again, I am puzzled as to the conversation Ms. ******* spoke of in this complaint.  Please feel free to call this office with any questions and to help assist in locating this account, at 888-737-7608.  We look forward to assist in finding the proper resolution with this account.  Thank you.

8/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: WEST BAY ACQUISITIONS HAS PLACED A COLLECTION ON MY CREDIT REPORT ON BEHALF OF EARLY MOMENTS BOOK CLUB IN THE AMOUNT OF $31.00 AGAINST ACCOUNT NUMBER 139431401505738. I HAVE NEVER HAD AN ACCOUNT WITH EARLY MOMENTS BOOK CLUB AND WEST BAY ACQUISITIONS HAS NEVER CONTACTED ME REGARDING BUT INSTEAD CHOSE TO PLACE A COLLECTION ITEM ON MY CREDIT REPORT. THIS COMPANY APPEARS TO PUT INACCURATE INFORMATION AGAINST PEOPLE WITH OUT VERIFYING THE FACTS.

Desired Settlement: I WANT THIS ITEM REMOVED FROM MY CREDIT OR PROOF THAT I OPENED THIS ACCOUNT AND PROVIDED THEM WITH MY INFORMATION AND SOCIAL SECURITY NUMBER.

8/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received notice that I owe this company for late fees from ********* *****. I cleared these late fees with ********* before the company went bankrupt.

Desired Settlement: Stop billing me.

Business Response: We are no longer engaged with the Trustee and Hollywood Video.  The Trust is no longer collecting on accounts.

Consumer Response:
Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********
Regards,

****** *******

8/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay has sent a fraudulent charge of $30.92 (from early 2007) to collections on my credit report on 7/1/13 and again on 8/1/13. Thankfully experian spotted it, and we began a fraud investigation. I had a great credit score, and this has added a blemish to my record, which I have worked hard to maintain above 700. I have contacted West Bay Acquisitions, and they said they would send me information regarding the charge on July 26th. As of today, August 5th I have received nothing. The Reference #*******, and I spoke with **** about this. They said I signed up for the "Early Moments, Scholastic book club". I have never signed up for this. During the second charge 2/8/2007 I was living in England!!!

Desired Settlement: I would like to have the information updated to reflect that I do not owe anything to West Bay Acquisitions. I would also like to have West Bay Acquisition submit a written letter to all three credit reporting agencies deleting the collection from my credit report.

Business Response:

We have already responded to this exact complaint from Mr. ***.  I am not sure why he is making the exact complaint regarding the exact account, again.  Here was our response on August 5, 2013:

8-5-13
 
In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:   This account originated as a Scholastic/Dr. Seuss & Friends book account opened in the name of ****** ***** on January 11, 2007.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on ****** *****’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have sent a formal dispute letter in the mail to West Bay Acquisitions. I am satisfied with the result.

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

8/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I noticed this company placed a negative collection account on my credit report for the amount of 31.00 for BMG Music company which I later found out is supposed to be now defunct Hollywood Video. I do not owe any money to Hollywood video and have no idea how they could place this account on my credit report. There was never an attempt to reach me nor have I ever received any notification on this. This account is ruining my credit especially when I'm in the process of obtaining a mortgage for a new home I just built. Please help me resolve this matter. I have looked up some 1000 complaints against this company in a single year and it seems that this is their common practice to sandbag consumers and ruin their credit without even ever notifying them. If I had known about this even if I didn't owe I would have paid to prevent this from going to my credit history.Thanks

Desired Settlement: I need this item completely removed off of my credit.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG music account opened in the name of ***** ********* on February 16, 2007. 
 
Based on ***** *********’s dispute, we have decided to cease all collection activity and close this account.  
 
 

Consumer Response: As long as the business follows through with the decision of closing the collection account and removes it from my credit report I am satisfied. I appreciate the prompt repsonse to this complaint.

8/7/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a report that less than a few weeks ago this business filed notice on my credit that I have an outstanding bill for $66.00 for a Crafters Choice. I have never recieved any mail indicating what the problem is. I have no record anywhere of ever buying anything from a Crafters Choice, which isn't surprising since I do not craft. I have tried to call this company twice today but have just sat on hold for over 10 minutes with no answer both times. I have never received a bill, they cannot seem to answer a phone call. I want this removed from my credit report immediately and this debt erased. If it were a valid debt, they would have provided me with proper documentation. Considering all the complaints on BBB and news reports about this agencies numerous complaints concerning fraud, I am appalled by the fact this is still allowed to happen to consumers.

Desired Settlement: I want this removed from my credit report. I want a letter in the mail confirming this has been done.

Business Response: In response to case # ******* wherein the consumer states that she should not have to pay the remaining balance on her account and would like the charges removed:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This is a Crafters Choice book account which was opened in the name of ****** ****** on May 7, 2008. 
 
We have sent a notice to Ms. ******’s residence listing the details and purchases on this account.  If Ms. ****** would like to call this office in the interim, she can call 888-737-7608, and a customer service representative can also explain the details over the phone.  The reference number for this account is *******.   In the interim, we have marked this account as disputed.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint. 

Before receiving the response, I managed to get through on their phone line and was told that the address they had for the account was one on a *******.  I did not live on ******* in May 2008--the date they say this account was opened.  They further told me that they would not send me paperwork unless I sent a letter explaining why the account was incorrect.  A reponse to this letter would take 30 days.  How am I to explain something is incorrect when they won't provide me any information to counter?  Shortly after that call, I received this response saying I would get something in the mail.  In my complaint I submitted a good and current address.  It has been a week and a half and I have yet to see anything in the mail from this company, and it shouldn't take that long to get something from one coast to the other.  I think it is atrocious that they have put something on my credit report for an account attributed to me wrongly.  It is even worse that first they told me I had to show them it wasn't my account rather then them showing me information about the account to prove they were properly billing me.  And then to not even get the bill to me in a timely manner after saying it was sent is, frankly, ridiculous.  I want this off my credit report now.  And I want this company to stop creating these fraudulent claims and then requiring those subjected to them to jump through ridiculous hoops to prove it is fraudulent. 

Business Response: Dear Ms. ******, We informed you we would be sending out a notice so you could see the details on this account.  That was mailed July 19, 2013.  You should have received it, and if you have not, it should be there any day. The customer service representative you spoke with was asking you to send in a request for verification.  When someone disputes ownership of any particular account, we mark as disputed and ask that you send in a request for validation and/or simply stating why you feel this is not your account. As soon as this account is paid in full or a resolution is found, this account will be closed.  Please call this office with any further questions at 1-888-737-7608, and please let us know if you do not receive the notice in the next few days.   Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

1) I still have not received anything in the mail from this company about my supposed debt.  2) How am I to dispute something without information about what to dispute?  This has been going on too long. 

8/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I checked my credit report today after recieving an alert that there was negative information on my account. I found that West Bay Acquisitions put an account into collections. I called the contact number and was told that this account was for Scholastic Book Club and from January of 2007 which I never was a part of. The charges are fradulent and it has affected my credit score greatly. I became even more unsettled when I saw all of the complaints against the company through the BBB as well as blogs online. I was never contacted by the company with notice that an account was going to be incollections and the gentelman which I spoke with told me that they didn't have to mail anything until a first contact. If they recieved this account two weeks ago, why was I not contacted.

Desired Settlement: I would like this to be taken off of my Credit Report (Experian) and the account to be closed.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Dr. Seuss & Friends book account opened in the name of ****** ******** on January 21, 2007.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Ms. ******’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

8/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Zombie collection agency placed $209 charge under collections directly to my credit report. Investigation notes that this is complete scam and initiates from bankrupt Hollywood Video. Have not opened or had account with either agency. Phantom collection notes last payment of 10/22/2008. None has ever been made. Scam appears to be widespread with numerous reports in all 50 states.

Desired Settlement: Removal from credit report. Business needs to be fined under Fair Credit Reporting Act.

Business Response: In response to case # ******* wherein the consumer states that she should not have to pay the remaining balance on her account and would like the charges removed:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This is a Black Expressions book account which was opened in the name of ***** ****** on August 28, 2006. 
 
Based on Mr. ******’s dispute, we have ceased all collection activity and have closed this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

8/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I called and they say I owe for a Dr. Seuss book order from 2006 in the amount of $33.69 with account#***********. I moved from the address they listed prior to 2006. I have never received any billing information or phone calls regarding these charges previously. They failed to contact me before just putting this on my credit report. They have no records/proof that I bought anything just "supposedly" some billing from the book company. I don't believe I owe this debt and it shouldn't be on my credit report. Just as I've seen so many other complaints I feel this company is doing some false billing/reporting. I wan't this removed from my responsibility and removed from my credit report. This is completely invalid information and I never ordered any books which they have no proof to provide me.

Desired Settlement: I want this charge removed as a debt and removed from my credit report as it is invalid and I don't owe anything because I never ordered anything.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Dr. Seuss & Friends book account opened in the name of ******* ********* on December 21, 2006.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Ms. *****’ dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

8/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When I checked my credit report, I found this company on my report stating I have $1274.00 in collections from them. I have NEVER of this company, NEVER ordered or requested anything from this company, and DO NOT have an knowing account with this company. When I Google this company, a lot of scam sites came up and it said something about video debt collections and I NEVER ordered or requested any videos from this company. I am not sure how this company got my personal information but they did not receive it from me. This company must be stopped and put out of business.

Desired Settlement: I WANT THIS COMPANY AND THERE CHARGE REMOVED FROM MY CREDIT REPORT. I WOULD ALSO LIKE TO FIND OUT HOW THEY RECEIVED MY INFORMATION AND FOR THEM NOT TO EVER USE IT AGAIN.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balance with us: West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated. 

In response to Ms. ****’s dispute, please be advised this is a STREAM ENERGY account.  A notice was sent to Ms. **** on 7/10/13 explaining the debt.  The original creditor, Stream Energy, has confirmed the name and address listed on the account as well as the amount owed.  Stream has also provided the invoices which reflect a breakdown of the charges and recently provided us with the payment history for this account.  Those items have been mailed to Ms. **** in response to this BBB dispute.  In the interim, we have marked her account as disputed.

7/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Being billed for a product ,never ordered

Desired Settlement: removal of account from credit history,in order to restore previous credit rating

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Disney Wonderful World of Reading book account opened in the name of ******* ********* on December 24, 2006.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.  Based on Mr. *****’ dispute, we have decided to cease all collection activity and close this account.  
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

As long as my credit report reflects this as an incorrect debt.

7/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have never done a business with this company or the company they are trying to collect money for. I found this in my last credit history report that "Bmg Music; 01 BMG MUSIC; Placed for collection; Closed" has passed some wrong info to WEST BAY ACQUISITIONS for collection. I have not done any business with these companies and have never dealt with them in any shape or form. They are trying to ruin my credit history. Please help to get this out of my cerdit report. I do not understand what they are trying to make out of this deal !!!!

Desired Settlement: I want the above collection agency to take out the hold from my credit history and thus help repair my credit report. There is no money that I owe them and there is no business that i dealt with their partners that they have listed above. PLEASE HELP RESOLVE THIS ISSUE!!!!

Business Response: This account was paid in full on 7/22/2013.  As requested by Mr. *********, we emailed him a payment confirmation letter.  Mr. ********* should call this office if he has any further questions. Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

7/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received no notification and out of no where this shows up on my credit report. I have no knowledge this account. I would like this removed from my credit report, I have no idea this account ever existed and would like it removed immediately!

Desired Settlement: I would like this removed from my credit report, I have no idea this account ever existed and would like it removed immediately!

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG music account opened in the name of ******* ******** on December 2, 2006. 
 
Based on Mr. ********’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

7/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions has falsely reported that I owe $138 on my credit report.

Desired Settlement: I would like to have the information updated to reflect that I don't owe anything. I would also like to have West Bat Acquisition submit a written letter to all three credit reporting agencies deleting the collection from my credit report.

Business Response: In response to case # ******* wherein the consumer states that they do not know who the original creditor is, but that West Bay should remove this debt from their credit report:  West Bay Acquisitions, LLC, and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This is a BMG Music account which was opened in the name of ******* ** ****** on August 25, 2005, $69.43 was paid into the account and left with a balance of $138.60.
 
This particular account has been placed with Chase Receivables.   Mr. ****** will have to call Chase Receivables to pay this account and/or address any issues and they can let Mr. ***** know the items that were ordered.  Chase Receivables can be reached at 800-622-0484.  Mr. ******’ account number is ***********.

7/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions continues collection activity on account they failed to validate. On June 1,, 2013 West Bay Acquisitions received my request for validation of an account they are attempting to collection (**************). I have not received a response. While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. As of July 5, 2013, they are still reporting a collection account on my credit reports, Under federal law, I could sue them and ask for $100 plus in statutory damages, since credit bureau reporting is considered a collection activity. However, I am confident that by channeling this dispute through the BBB, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide me written confirmation of the same, I will consider this matter resolved. Thank you.

Desired Settlement: If they delete the account and cease reporting it to the credit bureaus, and provide me written confirmation of the same, I will consider this matter resolved

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balance with Stream Energy:  West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.
 
In response to Mr. ****’s dispute, please be advised the original creditor, Stream Energy, has confirmed the name and address listed on the account as well as the amount owed.  Review of the account shows we received Mr. ****’s request for verification on June 3, 2013.  We responded with a letter and invoices sent to us from Stream Energy, breaking down the charge.  Mr. ****’s invoice shows the service address as the same address he currently resides at and this is the address listed on this BBB complaint.  This is also the address West Bay mailed the validation of the debt to on June 14, 2013.  West Bay never received this mail back as undeliverable so we can only assume he has received the verification. 
 
Mr. ****** should call this office at 1-800-737-7608 if he has any further questions.  In the interim, we have marked his account as disputed.

7/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a phone call from a gentleman named **** who works for West bay Acquisitions telling me of an account, "Scholastic Book Club", that was allegedly in collections dating seven years ago. I have no clue what Scholastics Book Club is, what my affiliation was to them or what service they even provide for that matter. After trying to relay that information to ****, who was adamant about my wrongdoing and wanting to collect the seven year past due amount of $33.92, I completely lost my temper. He told me that he would have documentation in the mail regarding the account and that I needed to pay the back due amount. My questions were, why after seven years are you asking me for this? I am not a member of any book club! I don't have any children who would utilize this service! My number has been the same for 10 years, why are you just now calling me? I am extremely retentive about paying my bills on time and keeping my credit score high. I have an excellent job and make plenty of money to pay my bills, I can certainly afford $33.92, why are you just now contacting me? The situation gets worse. I then asked if my credit was affected by this and he said, "well, Sir...as a matter of fact, we just turned your account over to the credit reporting agency yesterday". I blew up! Why would someone report a past due account, that I have zero knowledge of, to the credit agencies and then call me the next day to try and settle the account? It's completely blind-siding someone. It's not fair. I paid the bill over the phone thinking my credit has a ding on it now and they didn't even give me the opportunity to settle the account before ruining my credit! Why? Why would you do that to someone...because most of us that care about our credit spend a lifetime trying to keep it as high as possible by not having past due balances and paying our debtors on time! Best part is...I still have not received anything in the mail regarding the account or that the account has been paid in full. Terrible. I want the mark off of my credit report immediately. This all could just be a scam too, I don't know.

Desired Settlement: I want my credit report fixed to show that this occurance never took place. It's completely not fair to not have the opprotunity to research an account that you allegedly had, research the firm that is suggesting that you owe a debt or have the opportunity to remedy the situation. I am not worried about the $33.92. I want my credit report fixed immediately.

Business Response: This account has been closed.  We made the request to the credit bureaus on June 17, 2013 to have Mr. ******'s report updated.  We e-mailed a receipt to Mr. ****** at his request.  The credit bureaus can take up to 45 days or more to have this removed and this part is out of our control.  After 60 days of payment, and this is still showing on his report, Mr. ****** should call this office and notify us and we will make a second attempt, but this should be off of his report in and around 60 days after payment.  Thank you.

7/25/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I noticed that a collection account appeared on my credit report from this company, West Bay Acquisitions. When I called their company, I was informed that the account was for a book blub membership to Disney's Wonderful World of Reading Scholastic Book Club supposedly opened in 2006. I have never joined any type of book club by this name or any other book club period. The company said I must submit my dispute in writing, along with any proof I may have to validate my claim. How would anyone be able to prove that he or she DID NOT join a book club 7+ years ago. After researching on the internet, I found several (over 1500) similar claims from this same company, claiming past due fees from clubs requiring memberships, such as book clubs, movie rental (Hollywood Video), and CD clubs (Columbia House). I have no proof that I didn't sign up, however it seems odd that I have never received one bill in the mail, nor one late notice, or any type of mail regarding this account. The only way I even heard about it was when it appeared on my credit report.

Desired Settlement: I want this removed from my credit report immediately. I feel that it is a fraudulent claim against me.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Scholastic/Disney’s Wonderful World of Reading book account, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Scholastic/ Disney’s Wonderful World of Reading book account opened in the name of ***** ***** on 11/08/2006. 
 
Based on Ms. *****’s dispute, we have decided to cease all collection activity and close this account. 

7/24/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Recently I had my credit report pulled and West Bay "popped" up on there. I had never seen them on there before in the years prior. I contacted the number indicated and spoke to 2 different people, one named "******", and was informed that this was an alleged debt from 2007 regarding BMG Music service. I never purchased anything in 2007 from BMG and I STRONGLY dispute this claim. I want them removed from my credit report immediately. I don't know what it is they are trying to pull, but they really need to stop it now! My former last name was ********

Desired Settlement: Remove this false and erroneous claim from any and all credit reports

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Review of the account reflects it was closed on June 20, 2013.  All collection activity has ceased on this account.  If Ms. ********** has any questions, she should call this office at 1-800-737-7608.

7/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I checked my credit report today and noticed that I had a collection account that was reported on June 10, 2013 from West Bay Acquisitions for $31.00. I contacted the company this morning (6/20/2013) and spoke with *****. ***** told me that the company received the collection account from Scholastic Books, dba Early Moments on June 5, 2013. They reported on June 11, 2013 and sent me a notice after it was reported to my old address a few days later. She said they did not know how to get in contact with me through phone calls, so they sent it in the mail to an address that I moved from about 19 months ago. I told her that I have never ordered books from the company which says I did on May 8, 2007. I did not order any books and was not given a letter to dispute the information before the company decided to add the collection account to my credit report, which dropped my score by 29 points for a $31.00 charge. I told her that I would report the information to the FTC and BBB as well as dispute this with the credit bureaus. The only advice was that its not her fault and she doesn't report information to the bureaus. I have worked extremely hard to maintain the status of my credit worthiness to have it severed by an account that is not mine. I have not heard anything from this company nor the original company before today.

Desired Settlement: I would like the information removed from my credit report as well as no further contact from the company and its affiliates.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Scholastic/Dr. Seuss and Friends book account, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ****** **** on 5/8/2007. 
 
Based on Ms. ****’ dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I would like the collection account deleted and updated on my credit reports. 

Business Response: This has already been done.  Please be advised credit reporting agencies may take 45 days or longer to update your report and this is out of our control.  Thank you.

7/22/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have no knowledge of doing business nor getting any information regarding business with this company.

Desired Settlement: remove account from credit report

Business Response: In response to case # ******* wherein the consumer states they do not recognize the account and/or company:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This is a Double Day Book Club account which was opened in the name of **** **** on June 16, 2008.  The remaining balance on this account is $89.21.  Ms. **** noted a balance of $1,000.  Our records only reflect a balance of $89.21.  Unless there is an account in Ms. ****’s name under a different last name, this is the only account we show for her in our system. 
 
We have mailed a notice to Ms. **** with the details of this account.  Ms. **** should call this office with any questions once she receives the notice.  If Mr. **** would like to call this office in the interim, she can call 888-737-7608, and a customer service representative can also explain the details over the phone.  Her account number is: *********.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

case # ******* - follow update I had no such account with Doubleday and I also declared bankruptcy in 2012 so all debts were closed and dismissed. This is not a valid claim. Please remove this from my credit report 

Business Response: Please call this office at 1-800-737-7608 with your bankruptcy case number.

Consumer Response: case: **** ** ***** *** Account # ******** **** ******* re west bay 121.00

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

7/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Rather suddenly, I have an alert on my credit report saying that this company has marked me as in collection for $31.00. After numerous calls to their listed number and no answer, I did a web search to try and find what it is they say I owe for, and time and time again 'Hollywood Video' with the same amount comes up. I've never had an account with Hollywood Video. On top of that, I've never received any sort of communications from this West Bay place. It just randomly showed up on my credit report.

Desired Settlement: Removal of charges from my credit report immediately. Removal of my information from whatever database they have. Apology. Change of policy. Explanation. Repairing of damage to credit report.

Business Response: In response to case #******* wherein the consumer states they would like this mark removed from their credit report, and also states this is a Hollywood Video account, West Bay responds as follows: This is NOT a Hollywood Video account.  We no longer service Hollywood Video and when we did, none of those accounts were reported.  This is most likely some sort of Book or Music Club account.  Unfortunately I am unable to locate the account with the information provided. 

******** ******* is a very common name.  Ms. ******* should call this office at 1-800-737-7608 and speak with a call agent who can help her locate this account.  The account number is normally on the credit report.  If the account number is not available, she will need to call this office. Once this account is located, we are happy to assist with a resolution. Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

When dialing the number provided, I am connected to a 'corporate beach vacation'  Caribbean Cruise Line, asking me to just pay $59 per person for a lovely package including X,Y, and Z for a complimentary cruise in the Bahamas. I also have never had nor used a book/music club. There, also, is no account number listed on my credit report. Again, I would reiterate, I want this scam removed from my credit report and the damages done rectified.

Business Response: We apologize for the confusion.  Our phone number is 1-888-737-7608.  We do need Ms. ******* to call this office though so we can locate this account.  Thank you.

7/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On July 13, 2013 I recieved a letter from West Bay Acquisitions LLC dated July 3, 2013 stating that I owed $30.91 for a debt from 11/9/2006 and 12/7/2006 that I had nohing to do with. The letter states that a Dr seuss and Friends account has been purchased by West bay Acquisitions LLC and that all inquiries regarding this account should be made directly with West Bay Acqusitions LLC and NOT Dr Seuss and Friends. I have never done businees with Dr Seuss and Friends nor have I ever done business with West Bay Acquisitions LLC ever in my entire life. I feel that this is a fraudulent scam and or an attempt to collect personal information and or an attempted identity theft. I feel this is has somewhow already negatively affected my credit.

Desired Settlement: I would like for this company to stop contacting me and stop attempting to scam me. I would also like any and all of my personal information removed from their systems permanently. If this has negatively affected my credit, I would like it resolved and cleared permanently.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ******* ********* on November 9, 2006.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Mr. *********’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

P.S. I will only accept if you can clear my credit of any wrongful reporting that your company has made against made credit.

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: a debt has appeared on my credit report that i did not purchase, i am very careful with my credit and i take this very serious. the charge appeared without warning from the company, i was buying a car, the bank ran my credit report & this is the only charge that appeared. no bill or letter has been sent to me to inform me of this charge, as i would have taken care of this immediately, had it been something i had purchased. i do not appreciate a business that can send fradulent charges that has an impact on my credit without first contacting me and trying to resolve the debt. i do not understand how a business can manipulate the credit report process without having proper documents to support the claim

Desired Settlement: remove this charge from my credit report,credit the amount

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Bearrific Friend Club account opened in the name of ***** ******* on January 8, 2007.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Mr. *******’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

7/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I got a fraud allert today from Equifax about this company placeing a collection on me when i have not used hollywood vidio,nore do i have a bill with them...I also am 9 years post bankruptsie. They have placed a fraudulant collection against me for a bill i do NOT have Nore have i ever had one consumer alerts from NBCNEWS below warning on this company...Mine popped up today with an alert on my equifax fraud alert of this action http://redtape.nbcnews.com/_news/2012/08/08/********-******-debt-collections-hollywood-video-is-dead-but-bills-still-haunt-consumers?lite http://www.boston.com/business/personalfinance/consumeralert/2012/10/complaints_piling_up_against_w.html

Desired Settlement: I want them to clean up my credit report and remove the collection against me for a bill that isnt mine.I want a letter of proof that it was cleaned up and removed plus i want a letter of varification that i have no bills with them for collection. BEFOR IT RUINS MY CREDIT!!!!

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Hollywood Video, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This is most likely NOT a Hollywood Video account as West Bay no longer services the Trustee for Hollywood Video, and when we did we did not report any of those accounts.
 
We are unable to locate this account with the information provided.  Please provide the account number (which is usually on the credit report).  If that is unavailable, Ms. ******** should call this office at 888-737-7608 and speak with a customer service representative to assist in locating this account.  I can assure Ms. ******** this is not a Hollywood Video account.  But in order to locate the account, we will need to speak with her.  Once we locate the account we are happy to assist with a resolution. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I made the BBB complaint on( 6-22-2013  after trying all day on the 6-21-2013 of being hung up on when you push 2 for a representive.) West Bay acquisitions Has already spoken with me the he phone personally(6-24-2013)  And COULD NOT FIND ANY ACCOUNT IN MY NAME,ADDRESS which ive been at over 15 years,or my Social ...It is under investigation and I will provide an account number in a week when im given a copy of the account number.Considering i have had someone attach a collection against me and THEY dont even have the info on the account when called by the  socalled account holder or The credit reporting in which they attached a collection..This alone under the Fair credit act is grounds for removal of said collection.How can a person dispute a bill or collection when the people who placed it dont even know what or where the account is or even what its for.I provided social,address,amount of bill.They still couldnt find an account for me. At this point it doesnt even matter if its hollywood vidio or not...They have placed a collection on someone and dont even have account info to tell the person about the so called debt 

Business Response: Dear Ms. ********,
We have over three million accounts.  You are not the only ****** ******** and we need to narrow down the search.  Due to privacy laws we do not give out information to anyone other than the consumer.  If you cannot provide us the proper information, we do not have any way of helping you resolve this matter.  You can call the General Manager directly at 888-737-7608, x-*** if you have any questions.  Thank you.

7/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I looked at my credit report and found that this company has put me in collections for $50.00. I have been reading on the internet of unfair business practices and collections on past accounts for Blockbuster and or Hollywood Vido and or BMG. I am not getting an answer on why I am in collections. I am trying to heal my credit and then this shows up. I have never been contacted by this company or any of the parties they collect for. My maiden name starts with a *. if that helps. This has lowered my score! I am very upset and I can't believe that you can just put something in collections without trying to collect it first! I have had the same phone number for years! I saw on a FAQ for the company that these accounts were NOT going to be sent to the credit bureaus. I didn't even realize I had an account.

Desired Settlement: I want this removed from my credit score and I am not paying 50.00 for something I know nothing about! I feel like I have lost my identity or something. Imagine the shock when you have no idea you even owed the money! I have not been contacted for any bankruptcy proceedings for any past due accounts of mine. This is outrageous!

Business Response: In response to case # ******* wherein the consumer states that she should not have to pay the remaining balance on her account and would like the charges removed:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This is a BMG/Sound and Spirit account which was opened in the name of ***** ******* on January 18, 2007. 
 
We have sent a notice to Ms. ****************’s residence listing the details and purchases on this account.  If Ms. **************** would like to call this office in the interim, she can call 888-737-7608, and a customer service representative can also explain the details over the phone.  
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

7/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was reviewing my credit report and found that this company had originally place on my credit report in June for 0.00 now this month they are collecting for 31.00. I called the number listed and it took them almost an hour to find "my account" that it was for Scholastic Books from 2008. I did not purchase that they could not provide me any validation that it was my account and that I had purchased the items.

Desired Settlement: to remove the debt from my credit report.

Business Response: In response to case # ******* wherein the consumer believes that they have a Hollywood Video account that is credit reported:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ****** ***** on May 7, 2007.
 
Based on Ms. *****’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

7/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notification that this company states I have a $54.00 balance with Hollywood Video. I have never rented a movie from this business while they were in operation. I only one time bought a DVD. They put this on my credit report as false information. I can not get through to an actual person on the phone number they have listed on their website. Its as if there is an automatic hang up feature to where the call is dropped. I can not obtain the information from them to where this is coming from.

Desired Settlement: I would like this to be pulled off from my credit report summary. I would like an explanation to how they obtain and falsied my information.

Business Response: In response to case # ******* wherein the consumer states that he should not have to pay the remaining balance on his account originating with Hollywood Video:  For Mr. ********’s information, this is NOT a Hollywood Video account, this is a BMG Music account.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This account was opened in the name of ****** ** ******** on March 14, 2007. 
 
We have sent a notice to Mr. ********’s residence listing the details and purchases on this account.  If Mr. ******** would like to call this office in the interim, he can call 888-737-7608, and a customer service representative can also explain the details over the phone.  The phone lines are fine, I am unsure as to why Mr. ******** could not get through to this office, but we apologize for any inconvenience.

7/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To whom this may concern,
I do not know this company. I looked on my credit report and they say I owe them . I called them, but all I get is someone hanging up on me. Can you please help me? These people are a scram, I have done research online and found out they are some kind of scram. I have know collection on my credit report and this has appeared today. I was alerted by my credit monitoring service today.

Desired Settlement: Take this off of my credit report. I owe no one. Thank you in advance!

Business Response: In response to case # ******* stating that the consumer wants this off her credit report, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
We are unable to locate this account with the information provided (there are different reasons for this, including a name change).  Please provide the account number, which is usually on the credit report.  If that is unavailable, Ms. ****** should call this office at 888-737-7608 and speak with a customer service representative to assist in locating this account.  In order to locate the account, we will need to speak with her.  Once we locate the account we are happy to assist with a resolution. 

7/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i got a letter in the mail by "west bay acquisitions, LLC" stating that i owe money regarding "blink 182 Greatnest Hits". It says it purchased an account from BMG Music services but thats it and i have no idea what this is about. there is no phone numbers to contact them and also when i called it says they are too busy so call back later. after calling them MULTIPLE times can't contact them.. on the letter it say if there is no contact for 30 days then it automatically stating that i accept the charge. i never heard of BMG music, i'm asian and i don't listen to blink 182... and i have NEVER EVER bought or signed up for this type of services... this company does not accept calls so that they can charge the customer saying that customer didn't call within 30 days and they also ruin peoples credit score by false charge of such actions. i am contacting BBB and i will contact the attorney General *** ******** for this as well.

Desired Settlement: I want west bay acquisitions, llc to drop all false charges and to contact the credit agencies to take this off my credit.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG music account opened in the name of ****** ** on September 29, 2006. 

Our records reflect Mr. ** called this office on June 28, 2013 and the account was explained to him along with the dispute process.  Based on Mr. **’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

If I find this on my credit score I will take legal actions.  Thank you and I hope we dont have to do further business together.

7/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My credit monitoring service with just informed today me I have a collection account with with WESTBAY in relation to a 30 dollar supposed late fee for now bankrupt hollywood video chain store. I do not know where this bogus charge came from, nor have I ever had late fees with hollywood video. I haven't even rented from hollywood video in over 10 years, so assuming this debt is even REMOETLY valid, this is past the statue of limitations to collect on. They have reported this to my credit bureaus and the settlement agreement stated they are NOT allowed to take any adverse action by reporting this information to the credit bureaus and damage peoples credit http://www.westbayconsumer.com/downloads/Hollywood%20Video%20FAQ.pdf I am in the process of buying a house and this BRAND NEW collection account that just showed up caused ***** point dip in my credit score. This needs to be removed IMMEDATELY or I will file a class action lawsuit with the thousands of other people are having the same problem with this company from what it appears online for credit damage.

Desired Settlement: Closed and delete this collection account. Remove it off my credit report and send me a leter that you will cease all collection actitives related to this account, in addition to not selling this debt to any other collection agency.

Business Response: In response to case # ******* wherein the consumer believes that they have a Hollywood Video account that is credit reported:   This is NOT a Hollywood Video account, but it is a Scholastic/Dr. Seuss and Friends book account. 
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ******** ***** on December 12, 2007.
 
Based on Mr. *****’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

They need to remove this negative collection account from the 3 credit burureas, specially from TRANSUNION since they are showing a negative account from WESTBAY AQ.

7/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When I checked my credit report, I found this company on my report stating I have an overdue payment of about $30.00 and it was due back in April of 2013. I NEVER HEARD of this company, NEVER ordered or requested anything from this company, and DO NOT have an knowing account with this company. When I Google this company, a lot of scam sites came up and it said something about video debt collections and I NEVER ordered or requested anything videos from this company. I am not sure how this company got my personal information but they did not receive it from me. This company must be stopped and put out of business.

Desired Settlement: I WANT THIS COMPANY AND THERE CHARGE REMOVED FROM MY CREDIT REPORT. I WOULD ALSO LIKE TO FIND OUT HOW THEY RECEIVED MY INFORMATION AND FOR THEM NOT TO EVER USE IT AGAIN.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This particular account originated as a BMG music account opened in the name of ******** ******** on January 28, 2005.  This account has been placed with Receivables Management Group. Based on Ms. ********’s dispute, we have decided to recall the account, cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I no longer want to be charged for anything else.

7/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When checking my credit report I came across this collection agency as an unpaid account opened in 1/2013 and updated 2/2013. When I called to inquire the representative told me it was an outstanding debt from a BMG Music account I opened up in 2007. I advised that I did not have any such account. The representative said I opened the account at an address in Michigan I used for school mailings, but never lived at. I asked the representative to provide me with a bill and he told me that they do not have any further information they could provide. He then told me that the only way to get it off my credit report was to just pay it otherwise it will stay on my credit report.

Desired Settlement: remove line item from all three credit reports

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This particular account originated as a BMG music account opened in the name of ******* ** ***** on July 27, 2007.  Ms. ***** spoke with someone at Receivables Management Group, as this account has been placed with them. 

Based on Ms. *****' dispute, we have decided to recall the account, cease all collection activity and have closed this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

7/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Hello
My Name is ***** ***** and this company has yet again put a collection on my credit report for someone with a similar name on my credit report. This happened a couple of years ago and I had to file a BBB complaint back then. This is not my debit I have lived over seas with my husband who is an active duty military member and I have never not paid my bills. A couple of years ago I spoke filed a complaint and this was removed from my credit report but here we are again with the same issue. I have tried to contact the office and was unable to reach anyone. I want this removed. I still have the letter I was mailed from the last complaint from this company when they removed it from my credit report.

Desired Settlement: I want this removed from my credit report and I need a letter mailed to my address. I would also like a call to confirm this is being done.

Business Response:

In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.

This particular account originated as a Columbia House DVD account opened in the name of ***** ***** on October 1, 2004.
 
Based on Ms. *****’s dispute, we have decided to cease all collection activity and close this account. 

7/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently received an alert from a company that keeps an eye on my credit report, stating that a new negative account had been added. When I went to review what it was, as that should not have been the case, I discovered that it was this company – West Bay Acquisitions. In the actual report they said that it was for something titled, Dr. Seuss and Friends. Thankfully, the company I use, FreeScore.com, provides me with the contact information for any entity indicated on my report, so calling this new mysterious company wasn’t a problem. When I called West Bay this morning, the gentleman informed me that this was a $31.90 from December 2006 and that it was recently acquired by his company. I told him that I had no record of owing this money, and that I had not been notified by West Bay, nor the company they claim I initially owed the debt to. When I asked him why no one had attempted to contact me prior to placing my account in collections, he said that they had no way of reaching out to me, however, later in our conversation, I tell him that his company needs to send me a letter that this debt is valid, the man reads off my CURRENT address! I tell him that I am disputing this debt, because no notification had been sent to me in the past regarding this debt to prove I owed anyone and also because as it is reflected on my credit report, it is an account that was just opened 06/04/13 and they initially reported the debt 06/14/13. I asked him if it was a debt from 2006, why the date is different, and he couldn’t explain it. He kept telling me that if I paid this today, he could remove it as soon as possible, but I refuse to give money to a company that I have never even heard of and on top of that, has made no attempts to reach out to me to resolve this prior to impacting my credit score. I don’t like this, not one bit...if this is in fact a debt I owe and simply forgot about then fine, I'll pay it, but you can't come demanding money from someone, AND PLACING COLLECTION HITS ON THEIR CREDIT REPORT without any attempt at all to verify anything.

Desired Settlement: First, I would like this item removed from my report and then for West Bay to do due dilligence in verifying that this is a debt that I owe. If they can prove that ithis is something that is legitimate, they can have their $31.90, however, if they cannot, then this shouldnt have been reported in the first place. Make an attempt to collect a debt, dont just go and toss something on someone's credit without them even knowing who you are.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Scholastic/Dr. Seuss and Friends book account, Book Club, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.

This particular account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ********* ****** on December 24, 2006.
 
Scholastic made several attempt via correspondence and telephone calls in 2007 relating to this delinquency and those attempts went ignored.  West Bay believes this to be a valid account.  A notice containing the details of this account has been mailed to Ms. ******’s residence.

7/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I had a collection from Columbia House that stemmed from a 2006 which I was 13-14 years old at the time. I never signed up for anything with Columbia House. I had called Columbia House a year ago and they agreed to close out the collection account for 55.00 because I was under the age of 18 at the time of this supposedly debt. This morning I checked Credit Karma and I see I have a collection now from West Bay which has never sent me one piece of mail as of today while I'm writing this so I do not have a case number. This debt is not mine and just decreased my Credit Score which I am trying my best to keep at a good Score since I am 20 years old. This debt should not be on my credit score at all.

Desired Settlement: I would like them to take this off my credit since this is not my debt and Columbia House had even said that I was 13-14 years old and no one in the home had ordered this, the debt would be Zero. I find it strange that I have a new hit on my score but not one piece of mail or contact from this company.

Business Response: West Bay is unable to locate this account with the information provided.  We would need an account number or client reference number.  If Ms. ***** does not have this, she should call this office at 888-737-7608 and speak with a customer service representative to help her locate this account.  Once the account is identified, we can address any issues at that time.  Thank you.

7/2/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: After reviewing my annual credit report, I noticed that my credit score has significantly dropped due to a collections citation from West Bay, Inc. I have never received any form of communication with this company and after researching how to contact them on my own I was told that I owe $87.35 from a Columbia House DVD Club subscription that I "signed" up for in September 2007. I then informed the overtly rude customer service representative that I had never signed up for such a service and asked him for the address where the DVD's were sent, what DVD's were ordered, and for him to provide me with a contract agreement that had my signature. No such information was or could be provided. I would gladly pay such a small debit if in fact it was a legitimate debt. I did not order these products from Columbia House, I never received these products from Columbia House, I was never sent a notification for desired payment from Columbia House, nor did I ever receive a bill/collection letter from anyone in regards to this inconvenient matter. Now six years later my credit score has been greatly affected by such a ridiculous accusation. I am active duty Air Force and such unwarranted financial discrepancies concerning my credit report can have hazardous consequences for my career. My desired outcome would be for the BBB to contact West Bay, Inc. and the credit bureaus to have this incorrect information removed immediately and completely from my credit report.

Desired Settlement: My desired outcome would be for the BBB to contact West Bay, Inc. and the credit bureaus to have this incorrect information removed immediately and completely from my credit report.

Business Response: West Bay is unable to locate this account with the information provided.  We need an account number or a client reference number.  If Mr. ******** does not have either of these numbers, he should call this office at 888-737-7608 and speak with a customer service representative.  Once the account is located, we will address any issues.  Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have no information on this collection such as an account number that you are requesting due to the fact that I have never received any notification from your company via US mail, email, fax, or telephone. My credit report gave me the following information: Account #:*******XXXX. From this information I was able to call you company and further investigate this issue. If your customer service agent could find my account with this information then I am unsure of why the complaint department cannot. I would like to think that you have a universal information system that communicates between departments.

Business Response: We have two **** ********* in our system.  The cities and states do not match nor does the amount.  So I cannot be sure either of these is your account.  Please call this office.  Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

West Bay,After spending another 30 minutes of my time calling your corporation and providing the customer service team with the EXACT same information that I provided you, they were able to find my successfully find my account. Here is the full account number : ***********. The full account amount is $76.16. Once again, I would gladly pay this insignifcant amount if in fact the charge was a valid debt. I did not order this products and they were not sent to my address. I would like this account to be settled and closed for $0.00 and the issue to be completely removed from my credit report as soon as possible. Thank you kindly

7/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: this company is a scam the money they are trying to make me pay is from a company that went out of buissness in 2009 .i had problems with them always forgetting to log in your videos when you brought them back i was not the only person with this problem and it happened several times this last time was two weeks before they closed so i could not go back and make them check the shelf to see it was there which before i could make them do so im asking them to remove them from my credit unless they can prove that i owe them anything.

Desired Settlement: remove them from all three credit companys get them off my credit.

Business Response: West Bay is unable to locate this account with the information provided.  A reason for this could be that the last name has changed since the account was opened.  Ms. ******** should be advised that most likely this is NOT a Hollywood Video account - none of those account were reported.  This must be a different account.  We will need an account number or reference number to locate this account.  If that is not available, Ms. ******** should call this office at 888-737-7608 and speak with a call representative to help locate this account.  Once we identify the correct account, we are happy to assist with a resolution.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

Business Response: West Bay has already responded to this complaint.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

i dont even know who they are i want them to prove i owe them anything there the ones who put it on my credit if they can not prove i owe them then remove it from my credit now.

7/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have not had a account with hollywood video in about 4 years checked my credit report 2 days ago and find that their is a account in collections with west bay acq, so i look it up online and its connected with hollywood video. I had an account for unlimted videos monthly for a fee which was always paid and videos always returned. My credit card was on file with them and fees taken out monthly so i am not understanding why this is on my credit and if i supposedly owed them why i never received a bill and or phone call? If anything they owe me money for video games that were traded in to them and i never was able to use credit for them when they went out of business!!! I do not know the exact date i had account with but it has been years

Desired Settlement: I want this taken off my credit report and a apology this dropped my credit 10 points and they are wrong for reporting false information and that is not okay.

Business Response: West Bay has already responded to this.

7/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have not had a account with hollywood video in about 4 years checked my credit report 2 days ago and find that their is a account in collections with west bay acq, so i look it up online and its connected with hollywood video. I had an account for unlimted videos monthly for a fee which was always paid and videos always returned. My credit card was on file with them and fees taken out monthly so i am not understanding why this is on my credit and if i supposedly owed them why i never received a bill and or phone call? If anything they owe me money for video games that were traded in to them and i never was able to use credit for them when they went out of business!!! I do not know the exact date i had account with but it has been years

Desired Settlement: I want this taken off my credit report and a apology this dropped my credit 10 points and they are wrong for reporting false information and that is not okay.

Business Response:

We are unable to locate this account with the information provided.  We hold several different account types.  This is not a Hollywood Video account because those were never reported. 

We will need an account number or reference number to locate this account. If neither of those numbers are available, Ms. ***** will have to call this office at 888-737-7608 and speak with a customer service representative to locate this account.  Once the account is located we will be able to address any concerns.

7/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: No contact from Westbay Acquisitions, but they have posted an unknown collection account to my credit report Checking my Experian credit report on June 9, 2013 -- I noticed Westbay Acquisitions, P.O. Box 8009, Cranston, RI, 02920 has posted a $48 collection account to my report. I have no record of any debt, and Westbay has not attempted to contact me directly Certified letter disputing the debt has been sent to Westbay and this complaint has been filed through the BBB

Desired Settlement: 1) Immediate removal of all negative information from all credit reports where this has been reported (including, but not limited to: Experian, Equifax, and Transunion) 2) Explanation of what this supposed debt is and why they believe I owe it 3) Apology for not following their own documented collection procedures

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of Christopher ******** on November 25, 2003.
 
Based on Mr. ********’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I appreciate the quick response -- and accept the business's statement that all collection activity will cease on an account of which I still have no knowledge.What I do not see is any confirmation that all collection account information will be immediately deleted from my credit reports.   Please confirm the company will do so and when it will occur  

Business Response: Dear Mr. ********,
We have put the request in to any consumer reporting agency we may have reported to have this removed from your credit report.  This can take up to 45 days.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

Thank you again for the quick actionI consider this issue "On Hold" pending the CRA execution of your request to delete all negative information concerning this matter from my credit reports.   Once I have confirmed the information has been removed, I will submit this complaint for closure.The item on my credit report is listed as both West  Bay Acquisitions of RI and Receivables Management Group of MN.   Is RMG working on your behalf or visa versa?   A similar complaint has been filed against them and I need to update it accordinglyAlso -- In the next few days, your organization will receive this complaint via USPS Certified mail ***************************.   I was not expecting such a quick response to the BBB complaint (thank you again).  Please feel free to treat the USPS version as just a duplicate copy of this conversation with no additional action warranted. 

6/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received an alert that Chase Collections has filed a collections account against me on my credit report on behalf of WEST BAY ACQUISITIONS LLC for $48. Upon investigation, it appears this is due to a Hollywood Video account from approximately five years ago. This account is invalid and inaccurate. I dispute that I owed any money to Hollywood Video when it closed and I do not owe any money to WEST BAY ACQUISITIONS LLC now.

Desired Settlement: I want the collections account removed from all credit bureaus, the account closed and all the disputed amount of money owed removed.

Business Response: In response to case # ******* wherein the consumer states that they should not have to pay this Hollywood Video Account:  West Bay Acquisitions, LLC, and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
This is not a Hollywood Video account, but it is a Columbia House DVD account which was opened in the name of ***** ******** on February 13, 2005, $96.64 was paid into the account and left with a balance of $43.88 which is a Due On Contract charge.  This particular account has been placed with Chase Receivables.   Mr. ******** will have to call Chase Receivables to pay this account and/or address any issues.  Chase Receivables can be reached at 800-622-0484.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

This Columbia House DVD account has been placed on my credit report in the past.  It is not my account, as I never had a Columbia House DVD account, and it was removed from my credit report the first time because of this very fact.  I do not know how or why it keeps recurring, but as someone whose job requires a clean credit report and who is currently undergoing a re-investigation, I need this false information removed. 

Business Response: Most likely the reason this account is appearing on your credit report again is because the original creditor will send these delinquent accounts on to another agency after one agency has failed to collect.  After the agency has attemped to collect but received no response from you, that agency will close the account and that agency removes the tradeline and then RETURNS it to the original creditor who then sends it out again to another agency who once again will list it on your credit report in an attempt to collect. 

In order to avoid further escalation, we have made the decision to cease all collections and close this account.
 

6/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My husband and I are in the process of purchasing our first home. My credit score was 799 with Experian in mid-May 2013. When we signed final documents this evening, my Experian score was at 653. The drastic drop was due to a collections from West Bay Acquisitions for $27 that they supposedly tried to collect in November 2012. I have NEVER BEEN CONTACTED by West Bay Acquisitions concerning an alleged debt. I find it unfair for a company to ruin a person's credit without warning or even tracking me down via USPS with a BILL for the $27. I don't even know for certain the company they are collecting for. I Googled them and found that they working for Hollywood Video-I'm not even sure if I ever had a membership with them. I am very upset that $27 dropped my credit score 146 points and I wasn't even aware that I supposedly owed it.

Desired Settlement: I would like a letter stating my alleged debt with my information that they actually have on file and the information of the company and the date(s) from which this debt stems from. I believe it is only fair that I know to whom I should remit money, if I even do owe said debt.

Business Response: West Bay is unable to locate this account with the information provided.  This may be because the account is in a different name, or even just a different last name.  We need an account or reference number.  If that is unavailable, Ms. ***** should call this office at 888-737-7608 and speak with a call agent to help locate this account.  Once the account is located, we are happy to explain the details of this account and to assist in resolving this matter.  Ms. ***** should be assured that this is not a Hollywood Video account.  Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I am simply rejecting this response because they have sold my account to RMG Systems and this is not a resolution to my complaint. I was never contacted by West Bay Acquisitions when they held the account.

6/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Recently I had my credit report pulled and West Bay "popped" up on there. I had never seen them on there before in the years prior. I contacted the number indicated and spoke to 2 different people, one named "******", and was informed that this was an alleged debt from 2007 regarding BMG Music service. I never purchased anything in 2007 from BMG and I STRONGLY dispute this claim. I want them removed from my credit report immediately. I don't know what it is they are trying to pull, but they really need to stop it now!

Desired Settlement: Remove erroneous claim from all credit reports!

Business Response: West Bay is unable to locate this account with the information provided.  A reason for this could be a different last name.  We will need the original account number.  Or, Ms. ********** can call this office at 1-800-737-7608 to speak with someone to help locate this account.  Once the account is located, we are happy to assist in finding a resolution.  Thank you.

6/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notification on my credit monitoring program that this company has attached itself to my credit report. I called to find out who they are and what they wanted. The agent notified me that they had me on file for Dr. Seuss books from back in 2006 and that the account was wrote off in 2007. It is now 2013; I have never purchased Dr. Seuss books in my life. The company said that owed $31.00. They have hit my credit report without even making an attempt to contact me first, I had to contact them. I was a victim of Identity theft back in late 2005 to early 2006. I filed a bankruptcy case in 2007. When the agent asked for my address I said that he could look it up and was in the process of referring him to my lawyer when he simply interrupted me and said that he is noting the account that I would not give my address and immediately said goodbye. I don't see how a collection company can go straight to someones credit report without ever making an effort to contact the supposed debtor of the account they are trying to collect on.

Desired Settlement: I do not believe this charge is a valid charge, nor do I believe that the company has acted in a responsible manner in terms of trying to collect a debt, that I do not owe. I would request that the measly $31.00 (and change) be wrote off as I have stated, I have never purchased a Dr. Seuss book personally in my life. I think they are acting unethically and immorally and the fact that the agent hung up before I could provide them with my attorney’s number is a true show of how improper this business is acting in regards to this supposed debt. I would also ask that they release themselves from my credit report.

Business Response: In response to case # ******* wherein the consumer believes that they do not have an account with Scholastic:  This account originated as a Scholastic/Dr. Seuss and Friends book account opened in the name of ***** **** on August 10, 2006.
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
Based on Mr. ****’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I would appreciate a letter from the company stating that the collection attempt has been closed, that way I can submit it too the credit bureaus if need be, considering that is how I found out about the attempt to collect the debt.

6/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Without any notice or warning I found negative information on my credit report with Experian stating I owed these folks $21. Chase Receivables in Sonoma, CA was apparently attempting to collect this from me. I have had zero contact with these two companies. I do not owe them anything nor have I ever done business with either one of them. I recently took a loan out with my credit union and was surprised to find this on my credit report. Because of this my credit score went from an 800 a few weeks ago to the low 600's. The interest on this loan went from 3% to 9%. I have filed a complaint with Experian to have this removed but have already been damaged by their irresponsible behavior. It's incredulous and should be illegal that they can do this without giving me any chance to respond or help them correct their information!

Desired Settlement: Have them contact all 3 reporting bureaus and ensure this information is deleted immediately. I also want a monetary settlement to make up for the $40,000 credit union (Premier One) loan that is currently at 9% interest instead of the 3%. I plan to attempt to have the credit union lower the interest rate once I get this erroneous negative information off my credit report!

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with BMG Music, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG music account opened in the name of ******* ** ******* on March 16, 2006. 
 
Based on Mr. *******’s dispute, we have decided to cease all collection activity and close this account.  
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

6/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: i recently checked my credit report to discover i have a $73 charge in collections from this company. i never made these charges and do not know where this company is getting this from. i never received a letter/notice or bill for these charges. i just all of the sudden have a derogatory mark on my credit report and this account in collections. this is absolutely unacceptable for this company to do this. there was no attempt to collect a debt and i do not owe this money. upon researching this i have come to find out that there are thousands of consumer complaints against this company for scamming people and putting derogatory marks on their credit reports also. this company is a scam and is affecting my credit for something i did not do. they have no right to charge debts that are not owed.

Desired Settlement: i would like to receive a letter stating that this account will immediately be removed from my credit report since i do not owe this debt. i want this account immediately removed form my credit report.

Business Response: West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts.
 
In response to case # ******* wherein the consumer states that she would like this removed from her credit report – West Bay would like to inform Ms. ********* the details of this account.  This is a Columbia House account which was opened in the name of ****** ********* on January 13, 2006.  This particular account is placed with RMG Systems.  Ms. ********* will have to call RMG to pay this account or address any issues.  Once this account is paid, the credit report will be updated.  RMG can be reached at 800-764-5250 and they should also be able to give her the details of the charge.  Ms. *********’s account number is ***********.
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

after speaking with  RMG collection agency i was informed this was an error on your part. you will find the letter from the account being paid off in august of 2011 attached. i was informed by RMG that this will be removed from my credit report. i would like to confirm with you as well that this collection will be removed from my credit report promptly and immediately since this account was paid off almost 2 years ago. i do not appreciate this inconvenience and i am upset to have to go through these issues for a mistake on the part of someone else. i take my credit and all collections and derogatory marks extremely seriously and need this removed immediately so it does not negatively affect things in my life. thank you.

6/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company keeps sending me collection notices for Hollywood Video rental charges. I do not have the items they insist I pay for and Hollywood Video went out of business a few years ago. This is becoming harassment and I can assure the items were returned a long time ago along with my payments. The inquiry on my credit report needs to be resolved as well.

Desired Settlement: Update your billing records to reflect that I DO NOT OWE money or items, please stop contacting me and notify credit bureaus that my accounts are in good standing. Thank you.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.  West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.
 
West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.  Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ***** *******’s account.  
 
At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

6/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently applied for a loan, and subsequently was given my credit report with a significantly lower score than previously due to a collection that I know nothing about. I tried calling the company and every time I selected the option to speak with a representative, the phone would be disconnected. I have had no issues using my phone prior to and since the call. I will now be going through the process of credit bureau disputes. I was given no notice prior to the incidental checking of my credit. I am very unhappy with this business and their practice and have received unfair treatment due to it (higher interest rates on new loans/accounts).

Desired Settlement: My credit fixed to its status prior to this inaccurate collection.

Business Response: In response to case # ******* wherein the consumer states that he should not have to pay the remaining balance on his account originating with BMG Music Club:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This account was opened in the name of ****** ******* on 4/6/2006.  The charges are for:

7/14/06    DUE ON CONTRACT
4/6/06      INTRO PACKAGE
6/16/06    LATE PYMNT CHRG
5/19/06    LATE PYMNT CHRG

This particular account is placed with RMG Systems.  Mr. ******* will have to call RMG to pay this account or address any issues.  They can be reached at 800-764-5250.  His account number is ***********.

6/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This with regard to West Bay Acquisitions LLC Reference #******. I have been receiving a constant barrage of threatening calls from west bay acquisition over a bill of 19.16 due to Hollywood video. I paid Hollywood video all my bills prior their closing due to bankruptcy. I would not keep a receipt for payment for videos for four years - however Hollywood video collected over $200.00 from me in payments due to their erratic accounting practices. I advised *** on May 11, 2013 that I no longer am liable for these debts. I complained to *** that I do not want anymore harassing calls made and he told me that WBA does not make calls but if necessary I am sure I can pull up my cell phone record. When they call it shows up as private and that is another thing they do not identify themselves on the caller id. Hollywood video went bankrupt. But even prior to the bankruptcy not once did I receive a bill from them in all the years I was a customer.

Desired Settlement: also that this is no longer a debt owed and that this matter is settled otherwise i feel that i will call

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.  West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.
 
West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.  Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease
all collection activity and close Mr. ******’s account.  
 
At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

6/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: When checking my credit report I came across this collection agency as an unpaid account updated 2/2013. When I called to inquire the representative told me it was an outstanding debt from an Columbia House account I opened up in 2006. I advised that I did not have any such account. The representative said I opened the account at my present address, which I did not live at during 2006. I asked the representative to provide me with a bill and he became very frustrated and told me that is not the way it works. I then stated how would I know I had this outstanding debt if I have never received a bill. The representative told me that if I want this off of my credit report I should just pay it otherwise it will stay on my credit report.

Desired Settlement: I want this removed from my credit report.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of ****** ****** on July 31, 2006.
 
Based on Ms. ********’s dispute, we have decided to cease all collection activity and close this account. 

6/1/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from West Bay indicating that I owed $14.37 for a video rental from Hollywood Video. I was suspicious of the letter because I paid for all rentals that I made from Hollywood video, the odd amount they claimed I owed, and the fact that the letter was very ambiguous as to the circumstances surrounding the charge. I then went on line and found others that had received the same or similar letters which appears very suspicious.

Desired Settlement: I would like a letter from the company indicating that this matter is resolved and for them to stop contacting me.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.   West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.
 
West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.  Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ******** ******’ account.  
 
At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

5/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my credit report and saw that this company appears on my credit report. I am in the process of refinance my home and this is a major problem. I have no knowledge of this account and do not understand how I have never heard from this company. My score is dramatically reduced today.

Desired Settlement: I need this deleted immediately and reported back to my Mortgage Broker.

Business Response: In response to case # ******* wherein the consumer states that he should not have to pay the remaining balance on his account originating with BMG Music Club:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This account was opened in the name of ******* ***** on March 22, 2006.
 
This particular account is placed with RMG Systems.  Ms. ***** will have to call RMG to pay this account and/or address any issues.  There are 3 music cd items listed.  RMG can relay those titles to Mr. *****.  RMG can be reached at 800-764-5250.  His account number is ***********.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

It has been deleted by RGM

5/28/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my credit report and saw that this company appears as the original creditor for a 2007 account that is now in collections with Chase Receivables. I have no knowledge of this account and do not understand how I have never heard from this company prior to seeing their name in 2013 for an alleged debt that is 6 years old. When Speaking with Chase Receivables on the phone. Chase Receivables could not provide me with any information on the account nor could they find any information stating that I owed Columbia House $47.00. I also requested they provide me with the contact information to Columbia House to discuss this mater. Chase Receivables would not provide me with any information to settle this discrepancy. I have never purchased anything from Columbia House or received a bill/collection letter from anyone in regards to this inconvenient matter.

Desired Settlement: I would like them to contact Chase Receivables and the credit bureaus to have this incorrect information on my report removed Immediatly.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a BMG music account opened in the name of ****** ****** on June 14, 2004.
 
Based on Mr. ******’s dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

5/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was a victim of identity theft and I have complied with dispute procedures by filing a police report with the Columbia County Sheriff office located in *****, GA. I signed a release of information for the police department and I was informed by the deputy that they contacted both the Baltimore, M.D police department to report the crime since that is the city were the alleged purchase happened and they contacted West Bay to validate that I was a victim. Despite my best efforts to resolve this issue and get the negative information removed from my credit report it is still there. All I want is this negative, unjustified information removed from my credit report immediately. Thank you

Desired Settlement: Remove the negative information from my credit report immediately as I was a victim of identity theft and I have filed the necessary police report. I am now being victimized by the negative impact this is having on my credit report.

Business Response: Mr. ****'s account has been closed but the credit bureaus may take up to 45 days to update his report.

5/20/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have never heard of this company they have posted a collection on my credit report with Experian for 59.00 and I don't owe this company any money I have never received a bill from these people either.RECEIVABLES MANAGEMENT GAddress: 14675 MARTIN DR EDEN PRAIRIE, MN 55344 No phone number available Account Number:8807918407 Original Creditor:WEST BAY ACQUISITIONS LLC Address Identification Number: 0033354693 Status:Collection account. $59 past due as of Apr 2013. Date Opened:01/2013Date of Status:02/2013Reported Since:02/2013Last Reported Date:04/2013Type:CollectionTerms:1 Months Monthly Payment:$0Responsibility:Individual Credit Limit:$59High Balance:N/A Recent Balance:$59Recent Payment:$0 Product_Or_Service: none Account_Number: none

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want this information removed from my credit report with Experian immediately and any other collection reports they may have sent out to other consumer reporting agencies ( Equifax, and Trans Union, etc.

5/17/2013 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: The claimant is attempting to collect a debt for a product that was never purchased or received. An affidavit was provided on an earlier BBB complaint (******* ) however this provides no information just a notarized document which proves nothing. I did not purchase the item(s) in question.

Desired Settlement: Remove the claim on my credit history and close this problem.

Business Response: We have decided to cease all collection activity and close this account.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.  

The note is cryptic but I believe the collection activity will stop and my credit history will be returned to the same state prior to the action by West Bay.

5/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was notified there was a collection noted on my credit report by my loan officer. Three weeks ago there was nothing and the day my refi goes to the underwriters, they pulled a new credit report and presto, a collect shows up from Chase Receivables and Westbay Acquisitions LLC claiming I owe $87. I find the timing very suspicious. A call to Chase Receivables and I am told that they got the debt from Westbay Acquisitions LLC and that the original debt was owed to Columbia House DVD club from 2006. To be clear, I have never been a Columbia House member and have not received DVDs from them. In 2006 a girl called me claiming I owed them money for an account that I had opened. I told her that I had not opened an account with them and asked her to send me a copy of my paperwork showing that I had requested an account and had agreed to the terms of the account. The address she provided didn’t match my address or one that I had lived at. I made the mistake of providing her my current address. She never provided any proof that I had signed up for an account, just a couple of bills which I refused to pay, since I believe them to belong to someone else. Now 7 years later all of a sudden a collection shows up on my credit report. When I spoke to the gentleman at Chase Receivables, I asked them to provide proof of the debt. He said they didn’t have to because it had been previously verified. My question is verified by who? I believe they are obligated to provide proof of an outstanding debt. He told me I could ether par the debt, or have the collect remain on my credit report permanently. An obvious threat and attempt at intimidation. I would gladly pay the debt if it was valid. But it is obvious that Columbia’s original claim was for someone else. Until I gave the girl my current address, she didn’t have a valid address for me. Their current claim that I signed up while at my address in AK is bogus. I didn’t move to AK until midway through 2006, so obviously if I was at the end of my Columbia house contract, I had to have started it prior to moving to AK. As such, they should have had my previous address which she didn’t in 2006, and they currently don’t. I also called Westbay Acquisitions LLC. The gentleman there was more polite than the one at Chase Receivables, but he didn’t know anything about my account or my situation. He said they used Chase Receivables to “outsource” their west coast collections. He attempted to gather personal information from me which I refused to provide this time. At that point he said he couldn’t do anything to help me.

Desired Settlement: I want my credit report cleared, and I want letters from both Chase Receivables and Westbay Acquisitions LLC acknowledging that I previously and currently have not had outstanding debt with them or Columbia House DVD club. I also want the letter to state that no further actions will be taken by either towards my credit. If they believe I owe the debt, then they need to provide documentation with my signature on it, showing I signed up for the account. Just providing a bill isn’t proof that the account was mine or that I signed up for it. With over 1,000 Better Business Bureau Consumer complaints in the last year alone, it is obvious that Westbay Acquisitions is either a scam, or at the very least has not done due diligence in determining the validity of the debts they attempt to collect.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:
 
West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of ****** ****** on December 19, 2005.
 
Based on Mr. *****’ dispute, we have decided to cease all collection activity and close this account. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I am pleased that West Bay has decided to close the account, but I require 2 things from them.  1st they need to notify all three credit agencies (with in a couple days) that I have no open collections against me so that my credit score can be repaired.  2nd, I would like a letter from West Bay stating that the account is closed and no further action will take place.  I request this since in the reply through the BBB, they refer to a Mr. ******' complaint.  I don't know who Mr. ****** is, so that response may not be sufficient to convince the credit agency or my finance company that the matter is closed.  The other creditor (Chase receivables) was able to do this last week. 

Business Response: Dear Mr. ******,
We apologize for the typo.  It is your account that we have closed.  The credit bureaus have been notified, but please keep in mind it does take the credit bureaus up to 45 days or longer to update your credit report.  We will send a letter to you notifying you of this.

West Bay Acquisitions, LLC.

5/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am receiving collection notices for something I do not owe. This company is saying I owe for games and movies from Hollywood Video. I do not have these and have notified someone before. I want my name removed from this collection notice. I am reporting this to the federal trade commission, as well. It is asking me on the next page for a date purchased. I didn't purchase anything and am using one of several dates listed on the collection notice. I did not purchase these items from Hollywood Video. it just wouldn't let me go on until I entered something. the letter I received from West Bay Acquisitons is threatening further collection activity. I would hope that they won't proceed with further activity.

Desired Settlement: I would like a letter stating that my name has been removed from this collection notice and from any credit reporting agencies that this had been sent to and stating that I do not owe Hollywood Video anything.

Business Response: West Bay Acquisitions, LLC has already responded to this complaint.

5/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently looked at my credit report & found a report from WEST BAY ACQUISITIONS LLC. I was told that this was a collection agency trying to collect money from Hollywood Video. Which I never had an account with so I am not even sure how I have something on my credit report from them. Also, when they closed I wasn't even 18 yet. I am extremely upset that this is on my credit report & I would like it taken care of.

Desired Settlement: I would like this to be taken off my credit report.

Business Response: In response to case # ******* whereinthe consumer states West Bay should remove this debt from their credit report: West Bay Acquisitions, LLC, andall of our partner agencies abide by all FDCPA and FCRA laws.

It is our companypolicy that all disputed debts be thoroughly investigated in determiningwhether a dispute is a result of identity theft or simply confusion on the partof the consumer that they did not remember making the transaction. All of theaccounts that West Bay Acquisitions has purchased are verified by the issuer tobe accurate and valid debts. 

Ms. ********* is incorrect in herassumption that this is a Hollywood Video account.  She did not call this office because if shehad we would have explained to her that this is a BMG Music Service Accountwhich was opened on June 12, 2006 in the name of ******** *********. This account has been placed withChase Receivables.  

Ms. ********* willhave to call Chase Receivables to pay this account and/or address anyissues.  Chase Receivables can be reachedat 800-622-0484.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I was told when I contacted the BBB that these charges were from Hollywood video that is what my source is from, but it the response I recieved back it states that the date that, that account for BMG Music was opened was June 12th 2006 (Which I never opened an account or recieved anything from BMG MUSIC) but also, I was under 18 at the time how can this possible go on to my credit!? Why would they allow someone who is under 18 to even purchase anything? I still feel this needs to be taken of my credit, because I never purchased anything from them as well as even if I did I was under the age of 18!    

5/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently checked my credit report and saw that this company appears as the original creditor for a 2007 account that is now in collections with Chase Receivables. I have no knowledge of this account and do not understand how I have never heard from this company prior to seeing their name in 2013 for an alleged debt that is 6 years old.

Desired Settlement: I would like them to contact Chase Receivables and the credit bureaus and have the information on my report corrected.

Business Response: In response to case # ******* stating that the consumerbelieves that they did not have an account with Columbia House DVD, West BayAcquisitions submits the following: West Bay Acquisitions and all of our partner agencies abideby all FDCPA and FCRA laws.

It is our company policy that all disputed debts bethoroughly investigated in determining whether a dispute is a result ofidentity theft or simply confusion on the part of the consumer that they didnot remember making the transaction. All of the accounts that West BayAcquisitions has purchased are verified by the issuer to be accurate and validdebts.

This particular account originated as a Columbia House DVD accountopened in the name of ****** ***** on March 9, 2007. Based on Mr. *****’ dispute, we have decided to cease allcollection activity and close this account. 

5/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am being billed for an account with Columbia House DVD C that I never had. I reported Columbia House to the Better Business Bureau over their original bill sent to me, and I am surprised that they are trying to bill me again. The account number is: *********** with an amount due of $121.11.

Desired Settlement: I want them to credit the phony account put in my name and take me off of their mailing list. Thank you.

Business Response: In response to case # ******* stating that the consumerbelieves that they did not have an account with Columbia House DVD, West BayAcquisitions submits the following: West Bay Acquisitions and all of our partner agencies abideby all FDCPA and FCRA laws.

It is our company policy that all disputed debts bethoroughly investigated in determining whether a dispute is a result ofidentity theft or simply confusion on the part of the consumer that they didnot remember making the transaction. All of the accounts that West BayAcquisitions has purchased are verified by the issuer to be accurate and validdebts.

This particular account originated as a Columbia House DVD accountopened in the name of ***** ***** on January 1, 2007. Based on ***** ****’s dispute, we have decided to cease allcollection activity and close this account. 

5/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Today i was alerted to a collection on my Experian credit file that originated from West Bay Acquisitions LLC. (Now owned by Chase Receivables?) I have never received any contact from either company about an amount owed, so I feel that it is unjust (?) not legal(?) that it be reported as a collection owed. I researched the company some and saw that they hold a lot of Hollywood Videos old debts. I have not been to a Hollywood Video in 10 years or so...So I feel that if there ever WAS any money owed by me for late fees, it is now unreportable on my credit report.

Desired Settlement: I would like the item removed from my credit file and prevent any further reporting. Perhaps the company would notify Chase Receivables of the same. If they feel that the amount IS owed by me, please, let's do this the RIGHT way! Send me an itemized bill! Thank you!

Business Response: In response to case # ******* whereinthe consumer states that West Bay should remove this debt from their creditreport: West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws. It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction.

All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts. This is a BMG Music account which was opened in thename of ******** ***** on September 24, 2005, $28.74 was paid into the accountand left with a balance of $47.54.

This particular account is placedwith Chase Receivables.   Ms. ***** willhave to call Chase Receivables to pay this account and/or address anyissues.  Once this account is paid infull, the credit report will be updated. Chase Receivables can be reached at 800-622-0484.

5/7/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I looked at my credit report today and West Bay acquisitions put a pay status of in collections over a $69 charge. West Bay or the company they are collecting for have never sendt me a notice of a debt. In research this appears to be related to Hollywood Videos which went out fo business. I have never had a debt with them and my account was in good standing. Please help.

Desired Settlement: Clear my credit history

Business Response: In response to case # ******* whereinthe consumer states that they do not know who the original creditor is, butthat West Bay should remove this debt from their credit report: West Bay Acquisitions, LLC, andall of our partner agencies abide by all FDCPA and FCRA laws. It is our companypolicy that all disputed debts be thoroughly investigated in determiningwhether a dispute is a result of identity theft or simply confusion on the partof the consumer that they did not remember making the transaction.

All of theaccounts that West Bay Acquisitions has purchased are verified by the issuer tobe accurate and valid debts.  This is a BMG Music account whichwas opened in the name of ******* ******* on March 8, 2004, $18.48 was paidinto the account and left with a balance of $69.93 which is a Due On Contractcharge. This particular account has beenplaced with Chase Receivables.   ************** will have to call Chase Receivables to pay this account and/or addressany issues.  Chase Receivables can bereached at 800-622-0484.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I contacted Chase Receivables last night to discover this is tied to Columbia House.  As explained to Chase Receivables I never signed up to this particular club and never received any DVDs.  If I would have paid $18 I certainly would have complained to Columbia House as I never signed up or received the merchandise.  A couple years ago another company had this receivable in their record and I explained the same to them.  I was promised that it would be marked as closed - obviously not.  It is unreasonable to expect me to pay for something I did not sign up for and a benefit never received.  I have to assume that this was an error with Columbia House or some kind of fraud

Business Response: Chase Receivables has obtained an affidavit from the original seller and will be sending that in the mail to Mr. *******.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

Until I have solid proof that I purchased this item(s) (which I did not) I cannot accept accept a promise of an affidavit from a business that want out of business years ago for an event 5+ years ago. 

5/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In November of 2007 I contacted this company (via email and telephone and by mail) with a request to dispute a charge for a purchase that I never made. I explained that at the time of the purchase that they claim I made, I was deployed on active duty in the US Navy and could not have made the purchase. My credit report today shows that this account has been in collections and that it is in "dispute". I never made this purchase, and every time I call, "***" refuses to offer me any possibility to resolve this dispute other than paying the amount owed of $37 or mailing a request to dispute the charge (which I have done- and he states he has no record of). I have offered to provide the company with documentation of my military orders and my deployment status but they refuse to accept that and simply state, "we can not just take this off your credit, you have to pay". I refuse to pay this amount since I never initiated an order with this company, nor have I ever ordered anything from Columbia House, Hollywood Video or any other company of the sort.

Desired Settlement: I require that West Bay Acquisitions, LLC provide written documentation that my account has been closed with a balance of $0 and that no previous credit reporting actions have been taken, nor will future credit bureau's be notified, and that they remove the charge from my credit report/ collections. I also request that they erase all accounts of my address and personal information from their files.

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:  West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction.

All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of ******** ***** on April 27, 2007.
Based on Ms. ******’s dispute, we have decided to cease all collection activity and close this account.  
 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

5/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions has falsely submitted a collections account for the amount of $30.00. I have never held an outstanding balance with Hollywood Video/Movie Gallery. There has NEVER been any correspondence attempted by this business to collect this debt in the past. I became aware of this ONLY after receiving notice on my credit report. This collections account has drastically damaged my score with a drop of 84 points. I rely heavily on my credit score to receive financial assistance for schooling and have been working very hard to improve my score to purchase a home for my family. The West Bay website states that that it would not send accounts to credit bureaus. In addition, they are ordered by the US Bankruptcy Court not to submit consumer accounts to credit bureaus according to the Stipulation and Agreed Order provided on their website. The account listed on my credit report is ****************. I ask for your assistance with this.

Desired Settlement: I would like a written confirmation that the collections account will be removed from my credit report immediately and updated on all 3 major credit bureaus. I would like a written confirmation that I have no balance due to West bay Acquisitions. I believe a full investigation of this business's practices is appropriate as they are fraudulent and ruin the lives of many innocent people.

Business Response: In response to case # ******* whereinthe consumer states that West Bay should remove this debt from their creditreport: This is NOT a HollywoodVideo account as Ms. ***** stated in her complaint.  This is a BMG Music Account. West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws.

It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction. All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts.

This is a BMG Music account which was opened in thename of **** ******* ***** on October 3, 2006 with a balance of $30.56. This particular account is placedwith Chase Receivables.   Ms. ***** will have to call Chase Receivables topay this account and/or address any issues. Once this account is paid in full, the credit report will beupdated.  Chase Receivables can bereached at ************.  Ms. *****’saccount number is ***********.

4/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: A colection notice suddenly appeared on my Equifax credit report with no prior contact from this entity. I do not recognize this company and have no knowledge of what this collection is all about. I believe it is an attempt to defraud the public.

Desired Settlement: Stop this fraudulent collection practice.

Business Response: In response to case # ******* whereinthe consumer states that he should not have to pay the remaining balance on hisaccount originating with BMG Music Club: West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws. It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction.

All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts. This is a BMG Music account which was opened in thename of ****** ** ***** on August 22, 2005. This particular account is placedwith Chase Receivables.  Mr. ***** willhave to call Chase to pay this account or address any issues.  They can be reached at 800-622-0484.  The account number is ***********.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have never had a BMG Music account and I have NEVER received any correspondence for either West Bay or this Chase company. The only way I knew about this is when a collection notice was filed with Equifax and now appears on my credit report and I have been harmed by this affecting my credit rating. I want this fradulent collection activity to cease immediately and removed from my credit file and I will also seek other legal action.      

4/24/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This account #**********, Reference # ******, was in dispute, but turned over to collections any, so I received a settlement letter and went ahead against my better judgment, but agreed and paid the first option which was to pay $170.13 as payment in full. I have the letter, it was dated 3/4/13, I paid 3/11/13. Yesterday 4/11/13 I received a notice from my credit report that I have been turned over to collections for the balance. This is unacceptable.
If I am on Collections, I would like a refund of the $170.13, I did not feel I owed anyway but paid to keep off my credit record.o

Desired Settlement: I want this off my credit report, and if it is not removed, I want refunded the $170.13 until this matter is resolved.

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balance with Stream Energy and would like arefund: West Bay Acquisitions abides by all FDCPA and FCRA laws.  It is our company policy that all disputeddebts be thoroughly investigated. 

In response to Ms. ***************’s dispute, please beadvised the original creditor, Stream Energy, has confirmed the name andaddress listed on the account as well as the amount owed.  Stream has also provided invoices for thisaccount.  West Bay Acquisitions, LLC mailed Ms. ***************’sfirst notice on January 17, 2013 in which we received no response.

On March 4, 2013, we mailed another notice.  Ms. *************** settled this debt onMarch 11, 2013 at which time we marked this account as settled in full and paid.  Our request to update this payment reachedthe credit bureaus on April 8, 2013.  Thecredit bureaus may take up to 45 days or longer to update this entry and thisis out of our control.  Stream providedus with five invoices regarding this account and those have been mailed to Ms.*************** along with a letter stating this account has been settled andclosed.  

If Ms. *************** has any further questions, she cancall our office at 1-888-270-2861.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I have not received any invoices from West Bay! This dept was in dispute with Stream as I have copies of checks where the account was paid in full.  What really matters, is what is now on my credit report.  It shows a different balance from what West Bay initially reported, it does not show as you have stated to the BBB one amount, so this is very misleading.  You also do have control over what goes to the Credit reporting agencies and what goes should be verified and correct and it was not.  This dispute had been going on with Stream, you were notified and stream was notified again recently before this went to collections, and was after the last letter that this was sent to collections, and it should not have been turned over to collections.  I work very hard to keep a clean record, I'm not disputing I had stream, I disputing that there was an outstanding balance not paid.  So inorder to keep it off my record, I have paid double for electricity which I have not had for over several years!  Just clean my credit report up!

4/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received notice of a debt to Hollywood Video in the amount of $14.37. The notice was dated 2/4/2013. The notice came from West Bay Acquisitions. I am suspicious of this recorded debt because I had no knowledge of any unpaid fees incurred to my Hollywood Video account. The notice of debt issed on 2/4/2013 states that "our records indicate that you have ignored previous attempts to resolve your debt". I have never received any notices of debt owed to Hollywood Video, nor have I received any notices from West Bay Acquisitions, LLC. The notice does not describe the nature of the fees owed to Hollywood Video. I was initially suspicious that this debt collection notice was fraudulent in nature because I am certain of no balance owed to Hollywood Video, and because the notice comes over three years after Hollywood Video declared bankruptcy. After I researched the origin of the debt online I found that thousands of other consumers reported similar debt collection notices that they believed to be fraudulent as well. In addition I read hundreds of accounts of consumers who paid the debt, only to receive repeated notices of the same debt even after it was paid in full. After visiting the BBB website I have confirmed that over 1400 disputes have been settled re: Hollywood Video debts collected by West Bay Acquisitions, LLC. I am not comfortable paying the debt, as I have considerable evidence that it is fraudulent. I am not comfortable paying West Bay Acquisitions, LLC at all, as I have considerable reason to believe that they will continue to charge me.

Desired Settlement: I require that West Bay Acquisitions provide written documentation that my account has been closed with a balance of $0 and that no previous credit reporting actions have been taken, nor will future credit bureau's be notified. I also request that they stop contacting me and erase all accounts of my address and personal information from their files.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, this accountwas closed on March 27, 2013.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

4/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC is sending out bills claiming monies owed to Hollywood Video. This is a scam and it needs to be addressed. They are preying on ususpecting people.

Desired Settlement: I would like West Bay Acquisitions, LLC to stop contacting me and I'm hoping they have no affiliations with the Credit Agencies as I have long standing good credit. I would like written confirmation of this being handled and rectified as soon as possible. I will be expecting notification.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

4/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recieved a collections letter advising me that I owe $14.99 from 07\15\1999. I am not paying this amount. I am filing a complaint as well with my Attorney Generals Office. I closed my account with Hollywood Video 13 years ago with a clear balance.

Desired Settlement: I want this charge removed from my credit report and no more contact from your company. Legal action will be implemented if you do not stop this harrassment!

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

4/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Collection by west bay acquisitions on my credit repot. I have never heard of this company, never received any correspondence, they have never made contact with me. I see I'm not the only one. Please help me resolve this issue.

Desired Settlement: Immediatly close account and remove all reports from my credit. Send me an email confirmation.

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balance with Stream Energy (I don’t believe theconsumer realized who the original Creditor is): West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

For **** *******’s information, please be advised this is aStream Energy account.  Stream Energy hasconfirmed the name and address listed on the account as well as the amountowed.  On January 17, 2013, West Bay maileda notice to **** ******* regarding this account, in which we received noresponse.  We also tried to contact *********** via telephone on February 6, 2013.

At this time, West Bay has mailed a response to **** *******’s disputealong with an invoice from Stream Energy which shows the applicable charges.   Should **** ******* have any additional questions regardingthis account or if **** ******* wishes to discuss payment arrangements, pleasecontact us at 1-888-737-7608. We look forward to assist in resolving thismatter. In the interim, we have marked this account as disputed.

4/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On February 2013, West Bay Acquisitions reported a collection amount of $26 on my credit report. This negative reporting is adversaly affecting my credit report/score and several attempts to contact this company have been made to number listed on my credit report (1-800-773-4503). When you dial this phone # it rings several times and then there is silence. I have no knowledge of this company/account of any monies I may owe in regards to this amount. The account# listed on credit report is ********

Desired Settlement: I need this item to be removed from my credit report and for it to be updated on all of the 3 major credit bureas; all communications and collection efforts to be ceased immediately.

Business Response: Unfortunately, we are unable to locate Ms. *********'s account.  We would need the account number or reference number.  If the account was under a different last name (maiden name), we need the original name it is listed under.  Ms. ********* should call this office at 888.737.7608 x* to speak with a customer representative to help her locate this account.  Not all of our accounts are reported, this account may not be reported.  Unfortunately, until we locate this account, I cannot provide answers.  Thank you.

West Bay

4/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions has sent several letters claiming I have a debt that originated with Hollywood Video. I was a Hollywood Video customer. However, I do not have such a debt. The last letter threatened collection activity. I would like them to stop sending these harrassing letters.

Desired Settlement: I want to make sure they take no actions that will affect my credit.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

4/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I keep getting these collection bills regarding a debt with Hollywood Video. It lists items I never rented at Hollywood four years ago. West Bay Acquisitions, LLC and the collection letters look like a scam. According to other people's posts online, many other people are victims of these collection bills from West Bay Acquisitions.

Desired Settlement: I want someone to investigate West Bay Acquisitions, LLC and want them to stop sending fraudulent collection notices. I also want to ensure that my credit score was not damaged in any way.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

4/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received multiple bills from West Bay Acquisitions, suggesting that I have an outstanding debt from 2009 with Hollywood Video, which declared bankruptcy. I never owed money to Hollywood Video. I was a customer there, but always paid my bills right away. I think I and other customers are being harassed for small amounts of money (my supposed bill is for $13.90) in the hopes that we will simply pay in order to make it go away. Although it is not much money, it is a matter of principle. I do not owe this money and do not intend to pay. I consider this illegal harassment.

Desired Settlement: I would like West Bay Acquisitions to delete my erroneous bill and to cease contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

4/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Aquisitions, LLC has sent me a notice that I ignored our previous attempt to resolve you debt that originated with HOLLYWOOD VIDEO for the amount of $11.58. I was a loyal customer for them for a long time and if i owed any money due to late fees THEY ALWAYS REQUESTED THAT I PAY THEM BEFORE I COULD RENT AGAIN. Also the letter shows that I rented this movie in 2009 and I can't confirm or deny that I rented the movie they show but I do know that Hollywood employees would not have let me rent any other movies if it was a legitimate debt. I have a hard to understanding and believing that this is not a scam to collect money from folks who would not pursue this matter in principle alone. I do not owe this $11.58 and believe this to be a scam. I want this cleared up and removed from my credit report

Desired Settlement: I want a letter showing/ saying the following a. Zero balance owed with the account number b. Your credit report was not impacted due to this false bill c. The false bill will not be sold or given to another company to attempt to harass me or pursue this false bill again.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.   West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.   West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.  Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ********* *******’s account.     At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

4/2/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: # 5*********8 Original Creditor: WEST BAY forwarded my name & other information to a debt collector for $58. The debt collector RECEIVABLES MANAGEMENT GROUP placed me in collection (Experian credit report) I have never heard or received any statements, phone calls or documentation from WestBay about an account. I need Westbay to remove the account from collection as displayed in Experian credit report. Furthermore, I need a copy or documentation or the agreement Westbay is saying I signed.

Desired Settlement: I need Westbay to remove the account from collection as displayed in Experian credit report. Furthermore, I need a copy or documentation or the agreement Westbay is saying I signed

Business Response: In response to case # ******* stating that the consumer believes that they did not have an account with Columbia House DVD, West Bay Acquisitions submits the following:   West Bay Acquisitions and all of our partner agencies abide by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated in determining whether a dispute is a result of identity theft or simply confusion on the part of the consumer that they did not remember making the transaction. All of the accounts that West Bay Acquisitions has purchased are verified by the issuer to be accurate and valid debts. This particular account originated as a Columbia House DVD account opened in the name of *** ******** on 9/6/06.   Based on *** *******’s dispute, we have decided to cease all collection activity and close this account.   

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company is attempting to collect a debt that is not mine.

Desired Settlement: Delete the erroneous debt and make sure this mix up does not effect my credit.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *****************s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just got home from College to find my parents had received four letters since last year from this place claiming I owe $10.71 to Hollywood Videos from 3/18/2009. I have never been late to return anything and I have gone through my relatively small game collection and I don't have any of the games listed. I called the number they provided 5 times over several days withing their given business hours and had no response. This is why I call them unethical. My reference number is ******. I feel bad for BBB having to deal with 1500+ complaints about this scam.

Desired Settlement: I would like them to correct this error and stop sending letters.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am writing in reference to your letter dated October 5, 2012 because I do not believe I owe what you say I owe (reference #******). This is the first I’ve heard from you or any other company on this matter. I respectfully request that you provide me detailed statement including the following information: -the amount of the debt -details as to what the debt is for -where and when the debt was to have incurred -The name of the credit to whom the debt is owed -provide a verification or copy of any judgement -proof that you are licensed to collect debts in this state. I knew the clerk in this facility and if there were any money owed, she would have informed me. I purchased movies during the store-closing sale and there were no charges left on my account

Desired Settlement: Be advised that I am aware of my rights under the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. Also be aware that I am keeping records of all correspondence from your company

Business Response: Ms. **** made a complaint regarding this account on December 10, 2012.  We closed this account on December 12, 2012.  Our records show only one notice was mailed and that was on October 5, 2012.  This account has been closed since December 12, 2012. If Ms. **** has further questions, she should feel free to call our office at 1.888.737.7608. Thank you.

West Bay Acquisitions, LLC

3/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a bill from West Bay Acquisitions, LLC for $14.37 to collect a debt they say I owe to Hollywood Video from 2009. I don't owe this debt. When I stopped going to Hollywood Video I had no late fees outstanding. Hollywood Video never made any attempt to contact me then, or since and now they are out of business.

Desired Settlement: I would like the outstanding debt to be removed from this account and everything in reference to this situation removed from my credit record immediately.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am receiving continuous letters in an attempt to collect a debt for a closed business, Hollywood Video for $14.31. According to the letter, it is for late fees associated with video rentals on 9/22/2009. I do not owe this debt. I was a customer of Hollywood Video; however, at the time it closed, I did not have outstanding debt. I have tried to contact West Bay Acquisitons by calling the telephone number listed in the letter; however, it always states they are receiving a high volume of calls and to call back later. I believe this is a clear attempt to have a consumer just go ahead and pay the bill just to resolve the issue. I would like proof that I owe this debt.

Desired Settlement: Stop contacting me and remove the erroneous debt.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/26/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a bill from West Bay Acquisitions for $15.56 for late fees from Hollywood Video rentals dating back to 2009. I do not owe these late fees.

Desired Settlement: I will not pay them the amount they claim, and this will not affect my credit rating.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from West Bay claiming that I owe $31.12 in late fees for videos rented from Hollywood Video (now defunct) several years ago. The letter has no information regarding video titles, rental dates or return dates that would indicate late fees incurred. I have an excellent credit score (700-800+) and I am worried this company will report this debt. I do not believe their information is correct as to the late fees.

Desired Settlement: Please remove this debt from their records and do not forward to credit agencies.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********* *****'s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC keeps sending me letters in the mail telling me that I owe money ($14.37) due to the recent Hollywood Video Bankruptcy. They say I opened an account with Hollywood Video in 2006, which I didn't (I wasn't even old enough to rent movies). They list two movies they claim I rented which I have never rented. I haven't even seen those movies before. Upon further investigation into this matter, I read various articles online (the ********** Post for example) saying that the company (West Bay) is in fact legitimate however the claims are not legit. IT IS A SCAM. One article said to contact the BBB so I and filing this complaint in hope that West Bay Aquisitions stops sending me letters in the mail. I ALSO REPORTED IT AS A SCAM TO THE BBB.

Desired Settlement: STOP SENDING ME LETTERS in the mail for money I do not owe, for an account I never opened, for movies I have never rented or seen.

Business Response: West Bay Acquisitions is unable to locate this account with the information provided.  Please supply the account number and/or reference number and we will be happy to address the problem.  Thank you.

3/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Back in 2009 I received a bill from a creditor and called the creditor (Stream Energy) and told them that I did not open up any accounts with them and that this account was a fraud probably done by one of their new MLM agents to get a sale. I provided a police report and now they are claiming that they can't find it. The collection company they used West Bay Acquistions was informed of the fraud and placed this account on my credit report. I asked them to provide me with a signed contract bearing my signature. All they provided me was a bill which of course they are going to have if someone opened something in my name.

Desired Settlement: I need them to remove this account from all three of my credit reports, until this fraud account is investigated. I plan to file a claim in small claims court if no response has been made within 10 days of them receiving this complaint. This account should not have been placed on my credit report because it was being disputed as fraud before it was placed on my credit report, which is in violation of certian acts according to the FCRA.

3/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC is trying to collect $22.74 for three DVD rentals made in 2009 from Hollywood Video in Houston, TX. We do not deny renting the videos, but they were returned shortly before the store closed. Later, the company folded so we have no way to prove that we actually did return the videos. We wrote West Bay Acquisitions about this the last time they sent us a collection letter but now we are receiving another one. Let me just say here, too, that the Hollywood Video close to us was a mess right before they closed. Videos were tossed into piles and no one cared. I am not surprised that so many people are having problems. I can only imagine that their videos - like ours - were never actually checked back in and we are all still listed on a computer somewhere as having them in our possession. But we don't...we returned them.

Desired Settlement: I want our account zero'd out as it should have been back in 2009.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The collection agency is claiming I owe money from movie and game rentals back in 2009 and 2010. I paid all rental and late fees due to Hollywood Video back in 2010. I do not owe money to Hollywood video or the collection agency. I have always been debt free and pride myself in keeping a great credit score.

Desired Settlement: I would like the collection agency to clear the debt that I supposedly owe and stop sending me collection letters. I do not want my credit score to be affected by this dispute.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I went to renew my loan through the bank and they stated that I had a collector by the name of West Bay Acquisitions on there for an amount of 83.50. I have no idea who these people are nor have I ever recieved a bill from them regarding an account. This is effecting my credit and need to get it removed right away. I have looked online and noticed there have been several complaints filed against this company for the same thing. Again ..... I have NEVER recieved anything from this company.

Desired Settlement: I want this removed right away!

Business Response: In response to case # ******* stating that the consumerbelieves that they did not have an account with Mystery Guild Book Club, WestBay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abideby all FDCPA and FCRA laws. It is our company policy that all disputed debts bethoroughly investigated in determining whether a dispute is a result ofidentity theft or simply confusion on the part of the consumer that they didnot remember making the transaction.

All of the accounts that West BayAcquisitions has purchased are verified by the issuer to be accurate and validdebts. This particular account originated as a Mystery Guild Book Club account,opened in the name of **** ***** on July 1, 2008.  Original account no.: *********. 

The books Ms. ***** ordered and has beencharged for are as follows:             Scared toLive            Sacrafice             The BrokenWindow            The Front            At Risk(Cornwell)            Written inBone            PhantomPrey We mailed notifications to Ms. ***** on January 9, 2012 andMay 25, 2012 and both notices were ignored.    

We would ask that Ms. ***** call this office at 888.737.7608to discuss payment options.  Once this ispaid, we can close the account and communicate the appropriate information toany credit reporting agency we may have reported this to. In the meantime, we havemarked Ms. *****’s account as disputed.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I will contact them regarding this although we never recieved a bill from said company on said date.

3/20/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Trying to collect on a Hollywood Video Account that was paid in full before the store closed and the company went bankrupt. They keep sending harassing letters demanding payment and each time they have a different amount on them. They claim that the rental fees are due from 1/24/2009 to 8/8/2009. No rental store is going to allow a customer to have overdue rentals for 8 months without refusing to rent to them again because of past due amounts. At the very least massive late charges would result or they would be cut off from renting entirely. Our location would not allow new rentals if you had more than one outstanding unpaid rental on file.They are just going down the list of previous paid rentals and claiming that they are unpaid and fraudulently attempting to charge innocent consumers for it.

Desired Settlement: They should be put out of business due to deceptive practices.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.   West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.   West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.    We have sent Ms. ****** three letters in eight months.  These have been sent to Ms. ****** because she ignored the first letter, then the second letter and we sent a third letter.  The reason for the different amounts is because we offered her a discounted rate.    Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ***** ******’s account.     At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #*******.  Regards, ***** ******

3/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: RE: ACCOUNT NUMBER: ******** In a recent review of my credit report, I discovered that this company has placed derogatory entries in my credit file. I dispute their claims in their entirety and request full and complete validation pursuant to the FDCPA. All communications in this matter are to be in writing only, and sent to the address provided on this letter.

Desired Settlement: I dispute your claims in their entirety and request full and complete validation pursuant to the FDCPA.

Business Response: In response to case # *******: West Bay Acquisitions abides by all FDCPA and FCRA laws.

Itis our company policy that all disputed debts be thoroughly investigated. Unfortunately, with the information provided we are unable to locate this account.  Mr. ******** should call this office at 1.888.737.7608, x* and speak with a customer service representative to locate this account. 

If in fact we do have an account in Mr. ********'s name, we would like to help him resolve this matter.Once we locate the account, we will be able to address the complaint.Thank you.

West Bay Acquisitions, LLC

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We continue to receive letters that we owe money to Hollywood Video on late fees from 2009. This is not true, and all debts with Holywood Video were promptly paid when I returned items late at Holywood Video. I do not have receipts for these however, due to the fact that it was from 2009. How can I make sure they don't ruin my credit on some bogus claims that we are delinquent when we are, in fact, not. I do not wish to be harrassed and further on this non issue.

Desired Settlement: My desired outcome is to have these bogus charges wiped from my account and to have no further harrassment from West Bay Aquisitions!

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/19/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Hello.
I am receiving bills and statements from West Bay Acquisitions LLC from creditor Hollywood Video for items that were rentals from Hollywood Video. Upon discussing with West Bay Acquisitions LLC, they could not provide which items were late fees to these rentals and on the statement provided it states: "Below are the specific titles with the associated rental dates that contributed to this debt. Your total amount due may include some titles not listed here." How can i resolve this? From other previous customers online on forums, West Bay Acquisitions LLC is billing previous hollywood video customers even if no rentals were ever obtained from Hollywood Video but purchased. Thanks. **** ********

Desired Settlement: Removed of claim of invoice/statement, no damage to credit report

Business Response: West Bay needs more information to identify the account.  Once we have that information, we are happy to help resolve this issue.  Please provide the account number and/or reference number.  If that is not available, please provide a previous address which the account may have been listed under.  Also, if the name is different on the Hollywood Video account, we would need the exact name.  If none of those things are available, Mr. ******** should call this office at 888.737.7608 and speak with a customer representative to locae this account and help resolve this issude.Thank you.

3/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Dear BBB, I recently received a collections notice from West Bay Acquisitions LLC in the amount of $15.96. The notice advises me that I had an outstanding balance from the now defunct Hollywood Video. Furthermore, it states that the balance owed is from 2 rentals, but fails to provide any further information regarding how this balance due was created. The notice does provide that I rented a movie from Hollywood Video in 2009 and again in 2010. If I had any type of outstanding balance from 2009, it would have been resolved and paid for in 2010 when another movie was rented. Furthermore, this is the first that I am hearing of this balance owed, I never received any type of notice from Hollywood Video. This leads me to believe that this is some type of scam with inaccurate record keeping. I've tried several times to contact West Bay Acquisitions LLC, but the phone is always busy which makes me believe further that this collections letter is false. I appreciate any assistance in in resolving this matter. Thank you.

Desired Settlement: I am specifically looking to have this "debt" canceled and any negative reporting to my credit be removed. I further ask that any documentation be provided that this has been done for my records. Thank you.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.   West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.   West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.  Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ****** ******’s account.     At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #*******.  Thank you very much for your assistance and thank you to West Bay Acquisitions LLC for their cooperation in the matter. Regards, ****** ******

3/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received an alert from Equifax and Experian that this company said I owed $28 and put a collections record on my account. I have never heard of this company so I researched them and found out that they are collecting debt for Hollywood videos. I have never been to Hollywood videos and the one Hollywood Video store that was in my city, closed years ago. Based on the information West Bay reported, this is a past due balance from January 2013. How is this possible when the entire company closed in 2010? I believe this company is fraudulent and just trying to scam people out of money.

Desired Settlement: Remove this collection from my credit reports immediately!

Business Response: In response to case # ******* whereinthe consumer states that he should not have to pay the remaining balance on hisaccount originating with BMG Music Club: West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws. It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction.

All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts. This account was opened in the name of ******* ******* on 6/30/05. This particular account is placedwith RMG Systems.  Ms. ******* will haveto call RMG to pay this account or address any issues.  They can be reached at ************.  Her account number is ***********. 

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection notice alert via credit alert 3/10/13 on Transunion . I do not owe Hollywood Video, 01 STREAM SPE LTD,or any other entity any money. I did not open any accounts in 1/16/2013, nor that month, nor do I know 01 STREAM SPE LTD. No one has ever before contacted me about this debt of $339.00. My address then is the same as it is now. I have reported this action to Transunion as fraudulent, and upon internet investigation found this collection agency to be predatory.You can't even contact these individuals via phone, as it it always drops calls.I will seek gov't help if I can not resolve it at this point, as my credit account-file(Transunion,equifax, and experian) is already labeled-classified as an identity theft account. I have considered filing a police report.

Desired Settlement: Remove the fraudulent collection information entirely off my account,credit reports indefinitely, and send me a letter stating that it was an error.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balance with Stream Energy: West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated. In response to Mr. ******’s dispute, please be advised the original creditor, Stream Energy, has confirmed the name and address listed on the account as well as the amount owed.  Stream has also provided the invoices with a breakdown of the charges and recently provided us with the payment history for this account.  Those items have been enclosed along with a West Bay Acquisitions, LLC invoice and have been mailed to Mr. ****** in response to this BBB dispute.  In the interim, we have marked his account as disputed.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # *******. Again, I have not used stream energy as it is stated on the credit report, I have stayed with my mother and father at this location today and going back for some years, and Stream Energy does not service Orangeburg,SC. There is no inquiry on my credit report for a credit pull from stream energy, as I already am a victim of credit fraud and receive emailed alerts daily, as well as passwords that have to be confirmed by credit agencies before credit info is released or approved. My mother and father pay the electric bills to the county of Orangeburg,SC, and  Nor does it make sense to open a 399.00 bill for 1/2013 only to go to collections a month later. Again this is a fraudlent account, bogas bill, and a historically predatory company.Lastly, there has been no photo ID of record, or anything else to verify these accusations Regards, ****** ******  

Business Response: We have responded to Mr. ******'s complaint to the best of our ability, providing him invoices and a payment history which was provided to us by the original creditor.  Mr. ******'s information along with his social security number is listed on this account.  Mr. ****** has provided no evidence whatsoever that this is not his account.  At a minimum, we would need a police report.  In the meantime, we have marked Mr. ******'s account as disputed.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # *******. I did speak with stream representatives last night, they were unable to find my account even with name.I kept both employer ID's of the reps, and, it was discvovered that there is no physical verification process such as drivers license,military Id used, but they take the word of the caller.So basically any corpse with a stolen SS# can open an account.There has been no physical evidence of my ID on file, and have also reported stream to BBB.I will report this to FTC.There is no proof of ID, because there was no legitamacy. Regards, ****** ******  

3/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Found this bogus collection on my credit report. Tried to contact company for proof of debt but nothing was ever sent. I then researched this company on the internet and found endless claims of fraud and bogus charges. Was never sent any bills or explanation of charges prior to this going on my credit report.

Desired Settlement: Want this bogus charge removed from my credit report.

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balance with any company: West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

In response to Mr. ****’s dispute, please be advised theoriginal creditor, Stream Energy, has confirmed the name and address listed onthe account as well as the amount owed.   A few days after this complaint was filed, Mr. **** calledthis office to inquire details regarding the debt in question.  This was an outstanding debt for $236originating with Stream Energy.  Mr. ****settled this account for $147.79.  Thisaccount has been paid and was closed on March 15, 2013.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/16/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I've received bills claiming past due charges for which I do not owe to Hollywood Video. Phone number provided always has same message instructing callers to call back later, no email or website available in searches, except for a 'pay portal'. Realizing it is a small $$ amount ($12.87), I still am unwilling to pay for something not owed. The claim is spread over a 3 month period of rentals. I do not owe these fees and yet am unable to speak with anyone at the collection agency.

Desired Settlement: I wish to obtain written confirmation that this is not a debt I owe, and that any and all claims against my credit are removed immediately.

Business Response: West Bay is unable to locate this account with the information provided.  Please provide the account number or reference number.None of the Hollywood Video accounts have been reported to any credit reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I have finally been able to reach the service manager and they agreed to 'send a notice of dispute to the trustee'.

3/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Upon reviewing my credit report Jan. 2013 I found a negative posting by West Bay Acquisitions. I was never notified of any late fees incurred by Hollywood Video or West Bay Acquisitions I do not owe West Bay or Hollywood Video any late fees and would like for them to send me a itemization of charges including rental titles that they claim are owed.

Desired Settlement: West Bay Aquisitions (Hollywood Video) should remove this erroneous claim from my credit record.

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balance with Hollywood Video: West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

For Ms. ******’s information, this is not a HollywoodVideo account; this is a Stream Energy account. This account has been outsourced with NRA, another collection agency(National Recovery Agency).  NRA has madeseveral attempts to contact Ms. ****** over the past five months in which noneof those attempts have been successful.

In response to Ms. ******’s dispute, please be advised theoriginal creditor, Stream Energy, has confirmed the name and address listed onthe account as well as the amount owed. Stream has also provided the invoices containing a breakdown of hte charges, for this account which we haveforwarded to her, along with our invoice and verification letter.   Should Ms. ****** have any additional questions regardingthis account or if she wishes to discuss payment arrangements, she shouldcontact us at 1-888-737-7608. We look forward to helping her resolve thismatter. In the interim, we have marked her account as disputed.

3/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions claims that I owe Hollywood Video $10.77. The collections notice says that the specific titles and dates are included but they are not, so I don't even know when I supposedly incurred this debt or what it is for. I was an excellent customer of Hollywood Video in good standing when they suddenly closed their doors back in 2009 or 2010. I do NOT owe Hollywood Video a dime! How am I supposed to disprove this lie? Even if I rented the videos in question (which they probably have record of), how do I prove that I returned them - at least three years ago?!? After seeing the dozens of articles online about the number of complaints about this, I am convinced that this is a scam. While the amount claimed that I owe is not outrageous, it goes against my principles to pay something that I do not owe.

Desired Settlement: I want this account with West Bay Acquisitions, LLC put to a zero balance and closed with no impact to my credit report.

Business Response: West Bay Acquisitions, LLC has responded to this complaint.

3/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I used to rent movies from Hollywood Videos in The Dalles, Oregon. Upon their closing and resolving any debts owed (late charges) before they closed their door we paid for late fees yet we are getting notices for the amout of $33.53. We do not own or have the videos they claim that we do. I tried to resolve this issue years ago but it keeps coming back. I will not pay for something that I do not owe.

Desired Settlement: I want West Ba Acquisitions, LLC to quit trying to process a claim against us. I do not want them to sell their business to someone else to attempt collections and I expect a written letter from them saying that this is resolved.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ******** ******’ account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/14/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a collections notice from West Bay Acquisitions, LLC that I owe $13.47 for an unpaid bill to Hollywood Video. At the time that Hollywood Video had closed I had no outstanding charges with them, nor with the successor company that purchased them. I do not owe this amount. The letter states that, "Below are the specific titles with the associated rental dates that contributed to this debt", and there are no titles or dates listed. A quick Google search shows that this is a scam, an attempt to collect money from Hollywood Video customers. Not only did I not have an outstanding balance with Hollywood Video when it went out of business, this collections agency cannot provide any information to prove that I had rented videos and why they believe that I owe this money. I have no debts with Hollywood Video or with West Bay Acquisitions, LLC to resolve. I can provide the account name and the reference number upon request.

Desired Settlement: My desired outcome for this complaint is for West Bay Acquisitions, LLC to remove my name from their list of debtors and stop trying to collect a debt that I do not owe.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated.  West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011.

All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.  Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ****** &****** *****’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I'm being charged for a DVD - Bridge to Terabithia (2007) that I rented and returned three years ago to Hollywood Video rental. The Hollywood Video rental went on bankruptcy (which is not surprising because they have so much problem with their rental inventories because of employee's carelessness and irresponsibility) after a few months I returned the rental dvd, so I don't know exactly what happened to that DVD. So now, I'm receiving numerous letters from West Bay Acquisitions, LLC stating that I owe the amount of $14.95 to them as a collection company working for Hollywood Video rental collection. This is not a fair business action because this company is charging me for something I never have.

Desired Settlement: I would like to request from West Bay Acquisitions to stop sending me mail and resolve this by clearing my credit status.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.   West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.   West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts.  Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ******* ****’s account.     At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #*******. Regards, ******* ****

3/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a invoice bill for $11.12 an account ( West Bay acquistions, LLC Reference # ******) that I closed prior to Hollywood Video going into bankruptcy in 2009. This is a false claim. I am writing the company to let them know that I do not owe them money. I am concerned this could effect my credit rating. Please put a stop to this companies false claims. I was never notified by Hollywood Video that any late fees were on my account or that any money was due to them. On BBB files this business has a pattern of complaint concerning billing/collection issues. Consumers state that when they look at their credit reports they have a negative hit on it from this company saying they have outstanding debt. Consumers state this company is trying to collect on old accounts with no outstanding balances and accounts they never had opened. Thank you in advance for taking care of this matter.

Desired Settlement: Their information is incorrect. I do not owe them money and do not plan to pay these claims. I desire they clear the false debt and stop contacting me. West Bay’s Reference No. for this case is ******: I would appreciate a letter stating that I do not owe anything to West Bay, after I receive this letter, I do not wish to receive any further contact from them.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay acquisitions has notified me that I owe Hollywood Video $14.31. I have not had an account with Hollywood Video for years, and I never recieved any over due bills from them. I did not owe them any money. This bill from West Bay Acquisitions is false, and I want them to stop harassing me.

Desired Settlement: I want them to erase this false bill, and stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***** *********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I keep receiving collections letters from Hollywood Video in the amount of $16.37 for movies that I did not rent. Furthermore, the specific store that these rentals were supposedly rented at was in liquidation when two of the 3 titles were "rented". This store was no longer renting titles to customers or otherwise as soon as they were put into the liquidation process. I know this because I was the store manager at this location until its permanent closing in July 2010. All of this aside, I paid any and all late fees off of my accounts as soon as we went into liquidation so as not to have this very problem, all from the advice of my districts liquidations supervisor. I know for a fact that my accounts were clean before my location closed.

Desired Settlement: I want this to be gone. I am not paying for something I know for a fact I do not owe. I want this account ref # ****** to be put into a zero balance, and a letter stating that the matter is closed. I also want the collections letters to stop.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We recieved a collection letter from westbay that was for an alleged charge from 2009 @ block buster. We had never recieved a bill from block buster prior to this collection letter and it being so old and from a company that is now out of business we have no way to go back and verify the accuracy of this charge. We are requesting that any and all items associated with this be removed from our credit report and a full refund.

Desired Settlement: Refund along with all charges and any coresponding marks be removed from our credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

Thank you so much for your help in this matter.


3/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Complaint: I received a notice from West Bay Acquisitions, LLC claiming that I owe $11.96 in late fees to Hollywood Video. Their letter states that they have attempted to contact me previously, but I have not seen a letter or received a phone call regarding these charges. Their letter also states that it will document the specific titles with the associated rental dates that contributed to this debt. There are no dates or itemized charges listed in my letter. I have not used the Hollywood Video rental service since 2009. And because I haven't used this service for over four years, I think it's suspicious to receive a notice of late fees at this time. Again, I would like to see documentation of the charges I am supposed to owe. If no records can be found, I would like this alleged debt forgiven.

Desired Settlement: If no records of outstanding debt to Hollywood Video can be found and show to me, I want the alleged debt forgiven and not to be bothered by future claims.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ****** *******’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company keeps contacting me via mail stating that I owe $10 on a video rental from Hollywood Video which is no longer in business. I do not owe this amount & Hollywood Video did not indicate that I owed them any money up until their closure. I shopped there up to and during their close-out and there was NO balance on my account.

Desired Settlement: I want them to STOP contacting me!

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a bill for $19.16 from the company regarding late fees for the now defunct Hollywood Video. I do not believe I owe any late fees or otherwise to Hollywood Video. I am unsure how to get these letters to stop arriving at my door.

Desired Settlement: I would like the company to consider this an an error, set in record that I owe nothing and stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/9/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been receiving collection bills on behalf of Hollywood Video that I do not owe. I have never received any notifications from Hollywood Video regarding these claims and I had rented from them after the 2009 date on this bill. I had paid late charges if they had incurred, and do not believe these late fees to be real. I did not have debt with HV at the time of their going under.

Desired Settlement: I want all of these false late charges to be dropped, I do not want this to be held against my credit and I want all communications about this to cease.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/9/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Receiving bills from west bay acquisitions requesting me to pay them $11.13 that originated with Hollywood video. Hollywood video went out of business and I never owed them anything when they closed. This debt is false and is a error. I'm very concerned that this company is going to try to ruin my credit over a bill I do not owe.

Desired Settlement: I do not want to be bothered or harassed with this debt. I want to be cleared of this debt and get confirmation that I owe nothing.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

3/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection notice in the mail on 3/7/2013. I do not owe Hollywood Video any money. No one has ever before contacted me about this debt of $13.47. The letter states that I have ignored previous attempts to resolve my debt. I always settled my small account with Hollywood Video. My address is the same as it was in 2009.

Desired Settlement: I require that West Bay Acquisitions not contact me again. I have never been contacted before from them or Hollywood Video. I do not owe the money. I do not want this reflected on my credit report and I do not want to pay the $13.47.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions repeatedly sent me a Collection Notice on behalf of Hollywood Video for $14.37. I returned that film and do not have a receipt. When you return a DVD to Hollywood Video you drop it off at the desk or the window slot, in neither case do you get a receipt. West Bay has yet to prove to me I owe the money, if an invoice can be shown to me from Hollywood Video that the DVD was not returned I would gladly pay it, but no invoice was ever sent to me.

Desired Settlement: Either stop sending me collection notices or send me an invoice from Hollywood Video showing the account invoice

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/8/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received notice that I owed a debt to Hollywood Video. Titles of videos were not provided. Sent a letter to company on 4 Jan 13, disputing the debt. Received my THIRD notice today, 5 Mar 13. No action has been taken by the company to either clarify or delete the supposed debt. To my knowledge, I paid all my fees as they were incurred at Hollywood Video and I don't owe them anything.

Desired Settlement: Cease contacting me since I do not owe a debt to this company.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/7/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: I got a letter from WBA saying I owed $49.98 from a past Hollywood video bill. It says I owe for a Wii game and a Harry Potter movie. I didn't rent either. Also, the letter opens with "or records indicate you have ignored our previous attempt to resolve your debt" Well, I moved to California (from Portland, Or where the alleged debts originated) a year and a half ago and this is the first letter, or contact, I have received regarding this issue.

Desired Settlement: This is an invalid claim and I want it removed from my credit report! Thank you.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********* *****’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I don’t know who West Bay Acquisitions, LLC is they claim to be collecting for Hollywood Video from something that I allegedly did not pay three years ago. I do not think that I do owe them; I have never received a bill from Hollywood Video and am not willing to send a check with my personal information on it or give them my credit card number to a company that I do not know nor have agreed to do business with.

Desired Settlement: Stop trying to bill me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

3/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company was charging me for fees for an apartment I did not live in for fees of utility services while I was living 300miles away from claimed billing address. I tried to get them to drop the case due to proof the bills were not mine with the proof of residence elsewhere and bills alike. moreover there was another resident in the apartment residing person unknown to me with their own rental contract. I was threatened to never have the negative remarks removed from my records and if I took ti to court I would surely lose fore they have significant amount of lawyers and money. after all this I paid the bill last year. I have inquired of having the negative balance removed from my credit being I paid "this false claim of $183+ fees directly over the phone. after many calls and trated like crap I see there is no resolution with this horrible company whom delves in false alligations with threats to get money! I paid the fees they claimed even tho they were not mine and still my credit is suffering due to it. I would like all things removed from my history being it wasnt mine in the first place and that I paid the fees. at the time of paying fees I was told since I am paying fees without legality then they shall honor removing the information from my credit history since all has been paid and that I did have information showing it wasnt even mine in the first place. Nothing has been honored and I see looking here this company is of the worst repuatation I have ever seen! please help me I am trying to get this removed so I can for once buy a home with my Veterans housing authority. Thanks and God bless

Desired Settlement: to remove any and all FALSE information from my credit history placed by this company

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balance with Stream Energy: West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated.  After reading this complaint, we have pulled the callrecording on this account.  Nothing thatMr. ***** states in his complaint is true.  Mr. ***** called this office on September 18, 2012.  He inquired about the account and as therepresentative was explaining the account, Mr. ***** stated he did openthe account with Stream Energy, but after a month he called them andcanceled. 

The representative never atany time threatened him with any of the accusations stated in Mr. *****’scomplaint.  Not only that, but therepresentative gave him many opportunities to “dispute” the account, which gaveMr. ***** the opportunity to not pay and provide us with some information that wouldlead us to believe this was not his account. But, Mr. ***** offered no proof whatsoever as to this being his accountor not, even though he states he offered proof.  Nothing was ever presented.  Stream Energy forwarded threeinvoices to us which I have mailed to Mr. ***** for his information.  These invoices will provide him a breakdown of the charges.The account balance was $183.24 and Mr. *****was offered a settlement amount of $109.94 which he willingly paid on that sametelephone call.  Mr. *****’s statementthat he paid $183 plus fees is another completely false statement, as he paid$109.94 to settle and close this account.

His date of birth, social securitynumber are just a few of the identifying factors on this account.  For Mr. *****’s information, if this debt waspreviously sent to a different collection agency and went unresolved, thecollection agency closed it in their office, but returned the debt tothe original creditor (Stream Energy). So the debt is not closed, it was only closed with that agency, meaning,the agency working for Stream Energy ceased their collection efforts. Mr. *****’s statement of  “I was threatened to never have the negativeremarks removed from my records and if I took it to court I would surely losefore they have significant amount of lawyers and money” is absolutely absurd, falseand unfounded. 

West Bay Acquisitions followsall FDCPA and FCRA laws and our customer service representatives are thoroughlytrained and closely monitored.   Lastly, after Mr. *****’s settlement of this debt onSeptember 18, 2012, West Bay Acquisitions, LLC made the request on September22, 2012 to any credit reporting agencies that we may have reported Mr.*****’s debt to, that this be deleted from his credit history.  If he is still seeing this on his creditreport, he should call the credit bureau directly to dispute with them.  If Mr. ***** has any further questions, heshould feel free to call this office at 1-888-270-2861.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I was threatened in numerous calls the one call this business is talking about may not have had a threat however several were. on the day of payment I inquired about fighting this and was told ~"we are just collecting agency we bought the rights to collect fees, if you want to fight the case it will be very expensive  much more than the $183 in question." what the gentleman said made lucrative sense so I paid the bill with the assurances that it would be removed from my score in ~60days. I have called many times since and been given the run-a-round. Company states all I have said is a lie, well look at the reports with said company over 1400 complaints and 1 positive report. whom is the liar whom is the one telling tall tails. there may have been one phone call which I was not threatened but many in which I was, moreover when one is told "sure you may sew but let it be known it will be costly, no lawyer will fight for a small sum, it will result in us winning and you losing all stated is an idle threat! moreover the promise that it will be removed now stating call the credit agencies is just another ploy to get out of what was promised. there is no honor in said company, zero truth in their letters, I was not offered to dispute I did state I had info proving that I was not residing in residence, I was NEVER given the opportunity to provide proof to said individual, I have NEVER been sent a thing by said company showing pay off or the like, it does still state open account on my current credit report which was admittingly paid by company thus demoing the carelessness of their actions. NOT ONE thing they have said to have happened or will happen upon payment has transpired.

I am still suffering a negative on my credit report due to their direct actions they refuse to remove it, it is not Stream Energies name on my credit report it is WESTBAY ACQUISITIONS LLC, they are just passing the buck as I am sure they always do pass the blame to another or back onto the consumer. if they had mailed me something tangible such as letter I could have submitted to the credit agency I would not have come here to BBB I would have simply submitted the proof and had remarks removed. after calling months after payment being hung up on, buck passed, lied to, treated like crap I decided only then to go to BBB. In fact I do recall stating I would do so to a rep at WBA LLC and was given a shrug attitude and comments like go ahead were too large to touch attitude. 

Business Response: Dear Mr. *****,
On February 18, 2013, West Bay mailed you a pay off letter along with verification of the debt.  Had you asked for a pay off letter, we would have sent that right away.

3/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection notice regarding an unpaid debt to Hollywood Video (now defunct) that is many years old. There is no proof or justification for the supposed charges -- the letter refers to "specific titles and rental dates listed below", but then does not list any. The letter also states that I have "ignored our previous attempt to resolve your debt", yet I don't recall receiving any notice of this debt before. Futhermore, we always paid any late fees or other charges to Hollywood Video when we were customers (years ago), so the charge is dubious. I phoned West Bay, and over the phone they mentioned several movie titles which I do recall being rented, but don't recall any associated charges. The person on the phone said that this debt would be marked as "disputed" and sent to the trustees, and stated that I would not be receiving further written notices from West Bay. However, this does not indicate any kind of resolution to the debt, and frankly I have no reason to trust them.

Desired Settlement: I would like to receive a letter that acknowledges, in writing, that this debt is not owed, and there will be no report to credit bureaus regarding any unpaid debt. I would also like to see, for any other consumers receiving these notices, West Bay forced to list IN THEIR LETTERS the details of these charges, since the operator I spoke with appeared to have access to this information.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, thisaccount was closed on February 14, 2013, as the representative had explained tohim.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/4/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was told that I have an purchased a DVD/Books that I never purchased back in 2008. I was 17 years of age and did not own a credit card. I told these people that it was not me that made any kind of a purchase. They still wanted me to pay for something that I did not purchase. My name is ***** ******* *** my dad is ***** ****** who no longer resides at ** ** **** Street. My mother constantly tells these reps to stop calling our home. This is not my expense and please remove this from my credit report.

Desired Settlement: To have these reps stop calling my house and to have them remove this purchase from my credit report.

Business Response: West Bay does not have this account.  This particular account is outsourced to a collection agency named RMG Systems.  Mr. ****** should call them directly to dispute the matter.  Their phone number is 800-764-5250.  Mr. ******' account number is ***********.  Thank you.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I am going to reach out to the new company this issue was outsourced to named RMG Systems.  Once I get it resolved with them, I will come back to this email and accept this response.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am receiving collections letters from West Bay Acquisitions in regards to a debt I don’t owe, $12.51 They are the collections agency repeating "Hollywood Video".I do not owe this company any money. The business is closed , went out of business and no longer there.,I am unable to contact them directly They don’t answer there phone or return email. They won’t provide record stating I owe the money. They haven’t shown any documentation that I even rented anything from Hollywood video. They threaten to dig my credit if I don’t pay them. The only dated shown on the letter is 2/9/08 which is over three years ago. They don’t have legal standing to collect unless they sue me. The statute of limitations is three years and they haven’t filed.

Desired Settlement: That they STOP these letters and send me a lettler stating I my balance of $0. Also I would like a letter where they will not sell the account to another collection agency.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter from West Bay Acquisitions, LLC, dated February 4th, 2013, stating that "Our records indicate you have ignored our previous attempt to resolve your debt that originated with HOLLYWOOD VIDEO for the amount of $14.37." The letter also stated that "Below are the specific titles with the associated rental dates that contributed to this debt. Your total amount may include some titles not listed here". In fact, no titles whatsoever were listed on the letter, and no explanation was given as to what the amount was in reference to. No invoice number or date of bills, etc were provided. I do not have any outstanding debt with this company, and in fact, we stopped going to Hollywood Video years before they went out of business, and never once received any request to pay an old balance, nor would I be able to dispute a claim of an amount owed, when no details are provided. I refuse to be harassed by a company for collecting an amount without providing ANY DETAIL as to why I SUPPOSEDLY owe them some money.

Desired Settlement: Stop contacting me. I do not owe you or HOLLYWOOD VIDEO anything. Your records are inaccurate.

Business Response:

West Bay Acquisitions, LLC would like to address Mr. *******'s complaint, but is unable to locate this account with the information provided.  Please provide the reference number or account number and/or the full name on the account, if different from the one provided.  Once we have that information we will proceed to respond to this complaint.  Thank you.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice from West Bay Acquisitions LLC that I owed them $15.96 for a DVD titled Sunshine Cleaning. They said that the transaction occurred on September 20, 2009. which is over 3 years ago. West Bay Acquisitions is representing the company which is a trustee for the bankruptcy of Hollywood Video (Movie Gallery). I dispute that I owe this charge. When Hollywood Video was in business, they called us whenever we missed a return of a movie and we would return to pay the fee. If this charge is for a late fee, then it would imply that we were 4 late periods overdue (20 days) because the movies rented for $3.99 per 5 day period.

Desired Settlement: Reduce the owed balance to zero. Stop sending letters to me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I Received a letter from this company saying that I owed them $13.57 from an outstanding Hollywood Video balance. First of all Hollywood Video has been closed for years they also never offered credit to me, I paid ALL RENTALS up front; that was to the best of my knowledge THE ONLY way that Hollywood Video conducted business, in the event of late fees, they were charged in even dollar amounts. how did I end up with $13.57? researching online I found out that they are doing the same thing to many other people and they are using similar amounts in many occasions. Please advise me on how to proceed. I do not have any issues paying my bills and have a perfect credit right now, I don't want this POP-OUT-OF-NOWHERE company to ruin my credit but also hate the idea of them getting away with a scam. I did at one point have a Hollywood video rental membership but I DID NOT OWE THEM A PENNY AT THE TIME THEY CLOSED, that ANY company is allowed to do this is a real disgrace. they have not produced an explanation of why I owe this money, Hollywood Video NEVER sent me a statement or any other notification saying I owed them any money, and there's OVER 1,000 other complaints against this company

Desired Settlement: I owe Nothing and I want them not only to stop contacting me but to send me documentation (a statement) showing that. I DO NOT OWE THEM OR HOLLYWOOD VIDEO ANY MONEY.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received for the first time a debt collection notice from west bay acquisition regarding an unmentioned rental from hollywood video 6 years ago. The name or product of such debt is absent and when i call i get put on hold by an automated system. This truly troubles me because i have never had anything on my credit report that can hinder me.

Desired Settlement: I wish for this unjust matter to be either explained thoroughly with evidence of my debt or to be cleared of such bogus accusation. I would also like this debt cleared from my credit report and score immediately.

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

In response to **** ************’s dispute we have decidedto cease all collection activity and to close this account.  At no time have any of these accounts beenreported to any consumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice from West Bay Acquisitions, LLC claiming that I owe $11.96 in late fees to Hollywood Video. Their letter states that they have attempted to contact me previously, but I have not seen a letter or received a phone call regarding these charges. Their letter also states that it will document "the specific titles with the associated rental dates that contributed to this debt," and continues to say that the " ...total amount may include some titles not listed here." This is confusing. I don't think it's right to claim that money is owed and not be able to show documentation. I will not pay the charges without proof of the debt. There are no charges listed on my letter, so I am skeptical of the $11.96 charge for late movie rentals. I would like a list of the charges I am supposed to owe. I had not used the Hollywood Video rental service for many months before my local store closed. And because I haven't used this service for over three years, I think it's suspicious to receive a notice of late fees at this time. Again, I would like to see documentation of the charges I am supposed to owe. If no records can be found, I would like this alleged debt forgiven. If charges can be proven for $11.96, I will gladly pay my debt. But I suspect there has been a mistake made. Thank you.

Desired Settlement: If no records of outstanding debt to Hollywood Video can be found and show to me, I want the alleged debt forgiven and not to be bothered by future claims.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received two separate bills from West Bay Acquisitions, LLC stating that I owe a $13.47 balance from an account I had with Hollywood Video. I do not/did not owe any money to Hollywood Video. They are unable to provide me with any details about this bill.

Desired Settlement: I would like them to stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I, along with thousands of other consumers have received unsubstantiated collection bills from alleged late charges/fees from the now Bankrupt Hollywood Video. My bill is in the small amount of $13.90. I made a call to the company to ask for further information on this amount owed, but they were not able to tell me if it was from a late fee/charge or a specific movie or game rental title. To the gentleman's credit on the phone, he said he would just mark it "disputed" and send it back to the Trustee. However, I still feel unsettled about this as I have a feeling it will pop back up in the future at some point rather than show "satisfied" or "paid." My reference # given was: ******

Desired Settlement: Send me a bill that shows amount satisfied (not settled) and that nothing is due. I read in the court documents that these agencies are not allowed to negatively affect any consumers credit in relation to these collection efforts, but I feel unsettled about this bill floating around in such a small amount that could have a negative future affect on my credit.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice by mail on 2/11/13 stating:"Our records indicate you have ignored our previous attempt to resolve your debt that originated with HOLLYWOOD VIDEO for the amount of $11.58." I have no record of any previous attempts and I dispute any charge that I owe Hollywood Video $11.58. The notice also states "Below are the specific titles with the associated rental dates that contributed to this debt. Your total amount may include some titles not listed here." There are no title or dates listed. Reference #: ******

Desired Settlement: I respectfully demand that West Bay Acquisitions LLC send no further notices and declares this case and any account they have set up with me null and void. West Bay Acquisitions also must affirm that this will not be reported to any credit agencies in an attempt to lower my credit score.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a notice that West Bay is attempting to collect a debt that originated with Hollywood Video. Although the collection letter indicates an itemized bill is included, no details are provided at all. A phone call to the company was unsuccessful, as they would not discuss the case without me providing personal information that I was not willing to provide. I have not rented from Hollywood Video in over three years, and was never made aware of any debts any time prior to their bankruptcy. I do not owe Hollywood Video or West Bay anything.

Desired Settlement: Remove this debt collection permanently. I owe nothing.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’ account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

3/3/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter on 2/8/2013 from West Bay Acquisitions, who are reprsenting Hollywood Video, saying that I have a balance due of $14.97. This is incorrect. I do not owe Hollywood Video any money. Their letter opens with "Our records indicate you have ignored our previous attempt...", I never received a "previous letter", this is the first letter they have send me.

Desired Settlement: I wish for West Bay Acquisitions to stop contacting me and to make sure that this does not show up on my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Aquisitions, LLC has sent two notices stating that I owe $13.47 from an old Hollywood Video account. While I do not dispute being a Hollywood Video customer, I am certain that I did not owe a balance on my account when they went out of business. We were frequent customers and kept our account in good standing. This charge is bogus and I called the company to dispute it. They would not resolve the issue over the phone but instead stated they could "escalate it to the Trustee of Hollywood Video". I refuse to pay for a charge that they cannot verify that I owe.

Desired Settlement: To remove the charges they claim I owe and ensure my account is in good standing so as not to be reflected on my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a debt collection notice on behalf of Hollywood Video stating I owe $13.27. I have never been made aware of any debt and I know I had no such debt with the establishment prior to it going out of business. West Bay also failed to list what the debt was for and what date(s) the debt occurred.

Desired Settlement: I would like this erroneous monetary collection to be taken away. I do not owe $13.27 to this company and I fear this will affect my credit score. I would like the BBB to contact me and I would like a phone call and a letter from West Bay stating that I no longer owe this "debt".

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We have received 2 statements from West Bay Acquisitions, LLC trying to collect $33.46 for Hollywood Video on information that is not correct. It lists two movies that it states we rented, but one was returned(if we rented it from there) and the other I don't believe we ever rented at all. We did not have any outstanding late fees. In fact, they should owe us money due to all of the monthly charges we paid to accrue points for rentals that we never got to use because Hollywood Video went out of business. I have read that this company and others have tried to collect many incorrect balances from people. I have not yet sent them a letter, because one of the articles I read stated it was usually more effectively resolved by filing the complaint through the BBC.

Desired Settlement: We want the billing to be corrected to $0 with no mention made on our credit report that we have failed to pay this incorrect bill. Thank you.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Late last year I was mailed a letter by West Bay Acquisitions concerning my account with Hollywood Video. I had an account with Hollywood Video, and had one game out when I tried to return it and noticed that they were closed. I couldn't return it, and still have the game in question, but have no way of returning the item. Other locations would not let me return it. They directed me to keep it. Years later, I get this letter asking for $16.68. My account was in good standing, I attempted to return the game, so I don't think I am responsible for the closing of Hollywood Video or lack of ability to return to avoid this situation.

Desired Settlement: I would like, in writing (email is acceptable), an agreement that states that if I return the said item in question (which I will require West Bay to identify the actual item because they have not) that West Bay Acquisitions will consider the debt I may have with Hollywood Video settled and stop contacting me further. If they do not allow me return, then they will consider the debt settled and stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/27/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company, West Bay Acquisitions LLC, sent me a notice that I owe money to Hollywood Video, a company that went out of business about two years ago. I don't owe Hollywood Video anything but apparently West Bay purchased the debt from Hollywood Video and now are trying to scam me out of money. Yes, I was a customer of Hollywood Video. I even purchased a video from them before they went out of business but I certainly didn't owe them any money otherwise I would have been told at checkout. I can't defend myself because Hollywood Video is no longer in business and I don't have access to my account records. To me, West Bay Acquisitions should not be allowed to make false claims against me and rip me off out my hard earned money. I don't know what the law is in regard to what West Bay Acquisitions is doing, but they should be put out of business for trying to tip people off. I don't want to fall victim to their scam! The amount is only $10.98 but to me it's the principle of the matter that counts just as much as not having this scam affect my credit score. I hope to find someone that can help me with this. Thank you, ********

Desired Settlement: I don't want to pay West Bay Acquisitions a single penny and I certainly don't want this to show up on my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Since october 2012 I have been receiving billing notices for a DVD I returned in February 2010. I have no proof that I returned it because there is no proof when you return a rental DVD.

Desired Settlement: I want them to send me a letter stating they will no longer ask me to pay a fee for a late DVD. I also want the letter to state they will not put any collection notices on my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC, has twice mailed a notice to attempt to collect a "debt that originated with HOLLYWOOD VIDEO for the amount of $10.47." Their notice states: "Below are the specific titles with the associated rental dates that contributed to this debt." However, no titles are listed below or anywhere in the notice. I do not know if West Bay Acquisitions, LLC, is involved in a scam or not, but I do know that I do not owe Hollywood Video anything.

Desired Settlement: I believe West Bay Acquisitions, LLC, should stop mailing incomplete and inaccurate collection notices to me and anyone else who might be receiving these notices threatening "any further collection activity."

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’ account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: We had rented a video from Hollywood video in May 2009, this video was returned to the store. West Bay Acquisitions LLC is attempting to collect $19.99 stating movie was not returned. Moive was returned to Hollywood video prior to store going out of buisness. West Bay has had no communication concerning this issue. 18 month to 2 years ago I filied a complaint with previous agency concerning the same issue and at that time I contacted the Federal trade Commision and issue was resolved - or at least I thoght it was.

Desired Settlement: I would like to have this issue resolved completely as the movie was returned prior to Hollywood going out of buisness. I do not want to be contacted by any debt collecter concerning this. I am concerned that this is a scam and credit rating will be affected due to this scam

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I was billed from West Bay Acquisitions for a charge from Hollywood video that I know does not exist and has never existed.

Desired Settlement: I want this to be erased and I want them to admit it is a scam.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/25/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC claims I owe a $14.95 debt from Hollywood Video. This claim is inaccurate, as I owe nothing. They continue to send repeated collection letters.

Desired Settlement: My account should reflect a $0 balance and the collection letters should cease.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********n’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

However, the debt was never valid.  Thank you for closing the account.

2/23/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been sent a notice from West Bay Acquisitions 2 times regarding movies that I rented from Hollywood Video in 2009 in the amount of $118.28. First off, I don't even remember renting some of these titles and Secondly, this has been 4 years later. I absolutely refuse to pay any of these charges and request that this matter be dropped from my name and my credit report. It scares me to no end to look this company up and see all of the information on the web about this company and their practices.

Desired Settlement: I request to have this dropped from my name and/or credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: As of last month, West Bay Acquisitions has been sending me several collection notices concerning an alleged late account from Hollywood Video/Movie Gallery. The alleged amount in dispute is $32.37. It doesn't fully explain if these are late charges, or if I am accused of keeping these copies that I never rented. It appears that this company has had numerous complaints about its collection practices, as well as being accused of fraudulent collection activity. Apparently, this company sends very vague collection notices to former Hollywood Video/Movie Gallery customers with attempts to collect fees on titles never rented. Having not rented from Hollywood Video since 2005, I seem to remember Movie Gallery forcing customers to pay balances before they could rent another title. I am disputing this collection amount until I see a detailed description of charges, and not just their "word".

Desired Settlement: I would like this alleged and erroneous debt erased immediately. I would also like West Bay Acquisitions to stop contacting me and threatening to send my account into collections.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received two separate notices from West Bay Acquisitions, LLC within the past few months regarding unpaid fees to Hollywood Video of which I am certain that I do not owe. The first notice arrived in October or November of 2012. The first notice stated that I owed $13. 47 for the rental of the movie titled "Twilight." I saw this film in theaters and did not enjoy it in the least. Why would I go back and rent it when I did not like it in the first place? I attempted to call the company, during business hours, to inquire about the specifics of the supposed debt owed, and was met with a voice recording stating that they were closed. I then proceeded to verify online, whether or not this was a legitimate collection agency. I read nothing but negative reviews and warnings that the request was indeed a scam, therefore I made no attempts to pay the debt. I have received yet another request for payment and this time the notice does not even specify the date the movie was rented, let alone the movie's title. I absolutely refuse to send my debit or credit card information through the mail to some company who has been repeatedly referred to as a scam. The reference number to my account is ******.

Desired Settlement: I would like a letter stating that this bogus debt will not be reported on my credit score or negatively affect it in any way. I want my account closed immediately and after receipt of the requested letter, I do not want to be contacted by this company ever again.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’ account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a notice from West Bay Acquisitinos, LLC through the mail regarding unresolved debt of $14.31 (West Bay Acquisitions LLC Reference #******) that I supposedly owe for video rentals at Hollywood Video. I do not know if this company is even real or if they are trying to get me to give them my credit card number to use for themselves. When I have tried calling this company during posted business hours I receive a voice message stating that they are closed. I do not have past due debt at Hollywood Video. Hollywood Video has been closed near my residence for more than two years, and this is the first time that I have received anything stating that I owed any outstanding fees. I do not believe that West Bay Acquisitions is a valid company that should be allowed to attempt to collect debt that is not actually owed, and they should not have the ability to report a false claim on my credit. They have not provided any proof that there is any back debt owed and I cannot contact Hollywood Video either to get a copy of my rental history to prove to West Bay Acquisitions that their records are incorrect.

Desired Settlement: My desired outcome is to have this false balance due removed from their system, to not receive any more of their collection notices, and for West Bay Acquisitions to not report any false claims on my credit. I would also like confirmation in writing that from West Bay Acquisitions that this has been accomplished.

Business Response:  In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/21/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On 2/11/13 I received a notice from West Bay Acquisitions LLC informing me on a debt that originated with Hollywood Video in the amount of $16.68. They claim that I have previously ignored their attempt to collect the debt, which is untrue given this is the first notice I recieved. In addition, my account with Hollywood Video was left in good standing before the business inevitable closure. There is no indication of what items I owe for. If I believed in anyway that I owed on an account, I would pay it in full, but I make sure in all transactions not to pay for something unless I know what I am paying for.

Desired Settlement: That my account be considered closed and for West Bay Acquisitions to cease further contact.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On February 8, 2013 I recieived a notice (Reference # ******) from West Bay Acquisitions regarding a debt from Hollywood Video. The notice indicated I had a balance of $14.95 and said that I have ignored their previous attempts to resolve this debt. This is the first time I have been contacted by this company. The notice was sent to an address other than my own. I have lived at my current address for 14 years. I contacted West Bay Acquisitions on February 11, 2013 and was told I did not return a DVD titled "The Machinist" 4 years ago. They said the $14.95 covered late fees or replacement costs. I was told that not paying this bill could affect my credit rating. and that I could make the payment or dispute it by sending in documentation. I don't believe that I ever rented this movie, but Hollywood Video had my credit card and contact information on file. If I had rented this movie and not returned it, they would have contacted me.

Desired Settlement: I am requesting that West Bay Acquisitions declare my case and account closed and that no negative reports be made on my credit history

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC is attempting to collect a debt that originated with (the now out of business) Hollywood Video for the amount of $12.75. I believe I do not owe this money. My Hollywood Video account was always paid in full. I was never notified by Hollywood Video that any late fees were on my account or that any money was due to them.

Desired Settlement: Their information is incorrect. I do not owe them money and do not plan to pay these claims. I desire they clear the false debt and stop contacting me. West Bay’s Reference No. for this case is ******.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC has sent me a bill for the amount of 13.47 alleging that this amount is owed they list 2 title movies no other information about what the charge is for from 06/07/2009 which I totally disagree, receive on 10/19/2012 and the 2nd notice 4 months later. Thought this was a joke until the 2nd notice they are threatening to sen it to collection how can this people collect on a lie and how many people are falling into this. please let me know what you can do to resolve this matter. thank you

Desired Settlement: removing that charge that does not apply to me.

Business Response: West Bay would like to address Ms. *****’s complaint, but weare unable to locate this account with the information provided.  Please provide an account number and/or thefull name and address on the account. The name of the account is most likely different from the name provided.

In response to her comment that West Bay threatened reportingefforts, West Bay’s letter in no way threatens credit reporting whatsoever, soit is unclear as to why this comment was made.  In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC, nor does our letterinfer that in any way.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

West Bay is requesting account # the # is listed as west bay acquisitions reference # ****** that is the only # .

2/19/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I rented this movie from Hollywood Video and returned the same in a timely manner. I have also rented several other movies after this rental and have never been asked for any late fees. Hollywood Video has not contacted me, either in the store or by phone or mail to inform me of any late fees.

Desired Settlement: Stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********* *****’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company has sent a collection notice for Hollywood Videos that is six years old. Hollywood videos, charged for movie rentals before they would let them out the door, so I don't understand how I could owe them money. West Bay Acquisitions, LLC, is now send me a notice to pay stating I have ignored previous attempts to resolve the debt they claim I owe. I have only received this letter and none previous, for only an amount and no other information. When I tried to call the company a recording states that West Bay Acquisitions, LLC, is closed. even though it is within their operating business hours. I was shocked to see a collection notice and thought it was a scam so I looked up the company name and found that collections for hollywood video has been tried before on other people across the U.S.. ********* ********, and ******** ****** *********, have tried with people across the country before the complaints shut them down. Now I feel threatened by a collection agency for a fee I don't owe. They didn't send me a notice of why I owe and for what. How can I pay an arbitrary dollar amount with no proof? I have had a great deal of trouble with my identity stolen and now this. I feel like I'm being scammed.

Desired Settlement: Remove my name from the collection and not have a delinquent invoice on my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *****************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a bill for an account that I closed prior to Hollywood Video going into bankruptcy in 2009. In fact, I purchased used dvd's in their close-out bankruptcy sale that I still own and made sure that my account was closed before purchasing these used dvd's. This is a false claim. I am writing the company to let them know that I do not owe them money. I am concerned this could effect my credit rating which is outstanding. I have worked very hard to ascertain this level of credit and it is because I ALWAYS pay my bills. I just receive my first "invoice" on December 2012 and just received a second invoice in January 2013. Please put a stop to this companies false claims. Thank you, A Concerned Bill Paying Individual Who Doesn't Want to be Scammed

Desired Settlement: I want a letter stating that I do not owe anything to West Bay, after I receive this letter, I do not wish to receive any further contact from them.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported toany consumer reporting agency by West Bay Acquisitions, LLC

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This collection agency is making a claim on behalf of the now bankrupt Hollywood Videos stating that I owe $13 in fees. Which I do not. I feel they are just harrassing cusumers to get some of the money Hollywood Video lost. It is unfair. Many customers have this complaint. I dont want my credit ruined on a bogus collection. It is not the customers fault Hollywood video went bankrupt.

Desired Settlement: I want them to stop sending me a letter saying I own them money when I dont.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *********’ account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Approximately 6 weeks ago I received an collection letter on behalf of Hollywood Video for $14.37. I thought that it was a scam as it was dated 3 1/2 years ago. When I recently received a second notice I looked this company up. Many years ago when I was using Hollywood Video, I had problems at the location that I used with them trying to erroneously charge me late charges. If I owed them I would pay but otherwise I would dispute it at the location and they would remove the error from my account. This bill is in error and the untimeliness of the collection is ridiculous.

Desired Settlement: I would like for this erroneous debt to be removed from my account. As it is in error I do not want to see this on my credit report as an uncollected debt.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They continue to send me letters saying I owe a past debt on Hollywood Video, but I do not. I want them to stop sending me letters and to remove the debt from my credit history.

Desired Settlement: To stop sending me letters on a debt I do not owe and to take it off my credit history. To be an honest agency and not one that is trying to committ fraud.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am being billed for fees I do not owe from 2009 according to them. I rented once from Hollywood video I think and do not owe them unpaid fees.

Desired Settlement: Please drop fraudulent charges and stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Aquisitions, LLC is wanting to collect $17.16 on video rented from now bankrupt Hollywood video, (reference # ******). At the time of rental, back in 2010 the video was properly returned. I understand that there are collection agencies out there that are harassing honest people like myself over bogus claims. The movies were returned timely. My account with Hollywood video has always been paid in full. I was never notified by Hollywood Video that any late fees were on my account or any money due to them. The Claim I owe $17.16 in late fees to Hollywood video is completely false and fabricated.

Desired Settlement: Discharge the erroneous debt of $17.16. Confirm that this will not be reported to the credit reporting agencies.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.
 
Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *** ****’saccount.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I just checked my credit report and there is a debt of $55 trying to be collected by West Bay ACQ. I have NEVER received a bill from these people. I don't even have any idea where it would have come from. I don't have any big movie renting places where I live. My credit score dropped A LOT due to this false debt being on there and I would like it removed post hast!

Desired Settlement: I want this erroneous debt off my credit report.

Business Response: In response to case # ******* stating that the consumerbelieves that they did not have an account with The Good Cook Book Club, WestBay Acquisitions submits the following: West Bay Acquisitions and all of our partner agencies abideby all FDCPA and FCRA laws. It is our company policy that all disputed debts bethoroughly investigated in determining whether a dispute is a result ofidentity theft or simply confusion on the part of the consumer that they didnot remember making the transaction.

All of the accounts that West BayAcquisitions has purchased are verified by the issuer to be accurate and validdebts. This particular account originated as a Good Cook Book Club accountopened in the name of ****** ******* on 04/16/2009.  On that day she ordered: The Panthat CanTraveler Tote (this was a free giftfor placing order)Quick FoodAmish CK at HomeDNR, DRV IN, DVS**** Family Cookbook**********/MSCUP Some of the above titles are abbreviated which how wereceived them from The Good Cook.  

West Bay believes this to be a valid account.  A notice has been mailed to Ms. *******’sresidence. 

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This is the second letter I have received in the U.S. mail from West Bay Acquisitions, LLC. West Bay claims that I owe a debt of $14.37 for a DVD movie it claims I rented at Hollywood Video. The name of the movie is titled "Adam Resurrected." I never rented this movie from Hollywood Video, which, coincidentally, is now a defunct business. I believe West Bay either has me confused with another former Hollywood Video customer, or is just trying to scam me out of money. Any help would be appreciated in closing this issue with West Bay. Thank you, ******** ** ******* and ****** ** *******, 1/22/13.

Desired Settlement: West Bay, please stop contacting me about this debt for a movie I never rented.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: they sent me a bill for 17.96 that was paid 9 14 2009 the bill was from hollywood video there seems to be a lot of others like me.

Desired Settlement: stop contacting me or send it to the state attorney general

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’ account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received notification from West Bay Acquisistions alleging that I owe $14.56 for renting movies in July of 2009. I do not owe this money and have read online that this is a scam and this has happened to many, many other people in several other states. I need to know how to handle this without ruining my credit. I have never had an outstanding bill/credit and do not want to tarnish my credit with this accusation. Please let me know how to handle this.

Desired Settlement: A letter by the company verifying that this "debt" is falsified and they will not take any action against me and will drop this "debt".

Business Response: In response to case # ******* stating that the consumer does notfeel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

In response to **** *******’s dispute we have decided to ceaseall collection activity and to close this account.  At no time have any of these accounts beenreported to any consumer reporting agency by West Bay Acquisitions, LLC. 

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received numerous bills and statements from this company alleging that I have unpaid fees of $14.37 to Hollywood Video. I do not have any late fees. Hollywood video never notified me of these fees also. I fear that this is a scam and that they are going to harass me until I pay or until they file a fraudulent report on my credit. Please help!

Desired Settlement: I want the bills and statement to stop and I want some sort of notification that I do not owe the money ($14.37).

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection of debt bill recently about overdue rentals. When Hollywood Video was going out of business they sold all property that was left such as the rentals in stock. I receive a notice of an overdue balance of $33.11.I am filing a complaint because I am worried about this debt collection affecting my credit overall.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On June 20, 2012, I received a statement from West Bay Acquisitions, LLC stating I owed $20.04 for late fees for two movie rentals and one video game rental from Hollywood Videos. There were two movies and a game listed on the statement that were rented. The movies were rented on February 1, 2010 and the game was rented on January 30, 2010. I remember renting these movies and game and I also remember they were returned on time. I never received a statement from Hollywood Videos stating I owe late fees and whenever I was in the Hollywood Video store, the sales clerks never told me I owe late fees. Additionally, I have always returned all rentals on time. I do not owe any late fees. I ignored the notice because I found others on the internet stated this was a scam. I learned this debt collection company took over the debt collection for Hollywood Video after the video company went out of business. In January 2013, I received another statement from West Bay Acquisitions, LLC again stating I owe $20.04 in late fees for late from Hollywood Videos. I know I returned these videos and game on time, as I have always done with other store rentals. The Better Business Bureau website indicates this debt collection company is not accredited with BBB and has an "F" rating. The BBB states the debt collection company has 1,373 complaints filed against them in the last three years and the complaints are the same as mine. I request an investigation be conducted on this debt collection company for fraudulent debt collection and to contact this company to close my account and to provide a statement stating my account has been closed.

Desired Settlement: To close my account and to provide a statement stating my account has been closed because I do not owe Hollywood Video any late fees.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I am being constantly contacted about a $22.00 fee that I do not owe from this company. I would sincerely appreciate any assistance you may provide regarding this form of harassment. I have excellent credit, pay all of my bills ontime, never have collected unemployment or taken asssistance in any form. This is an eronious claim and we do not know what we need to do. They have claimed that if I did not pay the fee my credit score would be effected. The telephone agents are very rude and demanding. They will not listen to me or even give me the chance to talk usually. This is my last resort before being forced to take legal action against the company. Thank you.

Desired Settlement: Stop harassing me for a debt I do not owe. I do not want to be contacted and I definitely don't want my credit damaged. I would prefer any information they have about me destroyed so this can not happen again in the future please. My family has an attorney on retainer and will seek legal guidance and possible action if this outcome is not met. This is not a threat or demand it is the only course of action that I see available to me to resolve the matter properly after this attempt to illuminate their poor buisness practices and resolve using the BBB.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay is attempting to collect a debt from 2009 for DVD rentals at Hollywood Video - these videos were not rented. I notified West Bay Acquisitions that this was not a valid debt. They are still sending collection notices.

Desired Settlement: Cancel this debt collection activity and annotate the account to reflect that no debt is due.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************** account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice in the mail for the very first time from West Bay saying that I have ignored their previous attempt to resolve my debt to MOVIE GALLERY for the amount of $13.26 dated back to 2009. I have not received prior notices as indicated in the notice and I have no knowledge of owing MOVIE GALLERY any money.

Desired Settlement: To remove the charges and and not receive anymore letters from this debt collection agency.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’ account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions is claiming old rental charges from Hollywood Video from 2007 and 2008. We first heard from them in late 2012. We have no recollection of renting these movies and dispute the charges.

Desired Settlement: West Bay Acquisitions drops their demand for payment of these rentals.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’ account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This problem stems from my electric provider Stream Energy in Dallas, TX. I moved from Irving, TX to Madison, WI in June of 2007 and paid all of my electric bills on time. I heard nothing about an unsettled debt or any charges that had not been paid from 2007-2012. In December of 2012 I received a written communication from West Bay Acquisitions, LLC stating that I have an unpaid ETF fee and an outstanding balance of $399. The communication also states that there is a negative hit on my credit report. I was unaware that there was a problem with my account with Stream Energy for 5 years and out of the blue a receive a letter stating that I my account is delinquent and that there will be a negative hit on my credit report.

Desired Settlement: Remove any negative hits on my credit report, resolve the ETF fee

Business Response: This account was settled in full on January 25, 2013.  This account has been closed.

2/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: In January 2013 I received notice that I owed $14.37 to Hollywood Video that I supposedly rented on May 7, 2009. I dispute that I ever rented these movies. This collection attempt is the first letter that I have ever received on this matter. I believe that the charges are bogus and I also see online that Hollywood Video charges have been successfully disputed in the past with agencies like this one and including this one. Hollywood went out of business over two years ago.

Desired Settlement: To have West Bay Acquisitions, LLC cease and desist from making these bogus claims for movie rentals that never occurred.

Business Response: Please provide either the account number or reference number for this account.  We have more than one "****** ********."  More information is needed.  As soon as we get that information, West Bay will address this complaint.  Thank you.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a letter stating that I had a debt with Hollywood Video for the amount of $48.73. I had no unpaid debts with Hollywood Video when they went out of business. I have done some research on this "West Bay Acquisitions" and have found out that it is a scam and has been reported thousands of times. I have also found the following: On 2/7/2012 the Kentucky Attorney General's Office announced an Agreed Order to protect consumers. Attorney General **** ****** wants former customers of Hollywood Video and Movie Gallery who are contacted about collections of their old accounts to be aware of an Agreed Order protecting them from certain collection practices. In May of 2011, Kentucky, along with all other states and the District of Columbia, joined in the Agreed Order with the bankruptcy trustee overseeing the collection of these customer accounts. Hollywood Video and Movie Gallery were video rental companies operating nationwide, with more than 80 Kentucky stores. The companies filed bankruptcy in 2010, and the court appointed a trustee to oversee the collection of more than three million accounts. That includes the accounts of more than 49,000 Kentuckians allegedly owed for late return fees or product charges. I will not pay this scam.

Desired Settlement: I want them to drop these charges and make sure nothing affects my credit.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Dear Sir/ Madam,
I am writing to you because I received a letter from West Bay Acquisitions claiming that I have an outstanding bill with Hollywood video dating back several years ago. In response I had responded in writing to West Bay Acquisitions to either provide proof that any money is owed to Hollywood video or to stop harassing me if now such evidence is in their possession. I take this opportunity to point out I have no debt I owe to anybody and I find it incredulous that this amount would have been outstanding at Hollywood video. However, I have within the last few days received a follow-up letter from West Bay Acquisitions providing no evidence of such debt and threatening further action.

Desired Settlement: I would be more than happy to settle the entire amount if West Bay Acquisitions can provide proof of such debt OR If West Bay Acquisitions does not have proof that debt is owed they should cease and desist for sending any further harassing mail and / or should stop pursuing any other action in regards to this purported debt including recanting any impact on my credit.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recieved at notice from West Bay Aquisitions, LLC that I have "ignored our previous attempt to resolve your debt that originated with Hollywood Video for the amount of $15.90". I NEVER once got any sort of notification for Hollywood Video OR from West Bay Aquisitions, LLC that I owed any kind of debt. My husband and I did have an account with Hollywood Video but we were outstanding customers, rentals were returned on time and if a fee was owed it was paid right away. Hollywood Video went out of business a few years ago but even before it did my husband and I had moved to another part of town and started renting from a much closer Blockbuster Video. During that time we never recieved any type of notice that we had a late fee. Basically Hollywood had YEARS to notify us before they went out of business and we never got such notification EVER. I also know Hollywood would have contacted us first hand; as I worked for a movie rental store in high school and made such calls almost nightly to notify customers of late movies. I was appauld to receive this letter! We always pay our bills on time and this letter was like a slap in the face I am so incredibly upset.

Desired Settlement: I want a statement reading total balance due is $0. I want this false claim gone. I will be disputing this with credit agencies. I'm also interested in ALL the times they tried to contact me (which is never)...but I would not be able to trust this information because they are not a reputable collection agency...so it is not needed.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitons LLC has falsely claimed that I owe a debt of $13.96 that originated with Hollywood Video movie rentals for a film (or films) which either were not returned or not returned on time. They do not say specifically what the debt consists of. Their invoice states: "below are the specific titles with the associated rental dates that contribute to this debt". There are, however, no titles or dates listed on the invoice. I have never had any debts or late fees with Hollywood Video or any of my accounts, and I am concerned that my credit standing may be compromised by this false claim.

Desired Settlement: Apology and stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received several notices of collection for $12.77. There was no indication of what I owed the money for or when the supposed debt occurred. I have no Hollywood Videos in possession, and I do not keep receipts for things like video rentals. I am not in the habit of paying money to anyone or any company without understanding the specific charges are. Please ask Hollywood Video to provide this information in writing, listing the exact date and item(s). Otherwise, I would ask the collection agency to stop sending me notices immediately. Thanks

Desired Settlement: Need a letter from West Bay with itemized and dated list of charges.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received two notices from West Bay Acquisitions concerning an outstanding balance I supposedly owe Hollywood Video for a late rental. The date of this rental was October 5th, 2009 and the titled of the rental was Obsessed. This movie was rented while Hollywood video was still in business and returned with any late fees paid while Hollywood video was still in business. I was never notified by Hollywood of any additional late fees on the movie in question.

Desired Settlement: I would like for the balance due to me to be dropped and written proof that I owe nothing to West Bay Acquisitions.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have begun receiving collections notices from West Bay Acquisitions, claiming that they are attempting to collect a debt that i owed to Hollywood Video, which has declared bankruptcy and gone out of business. At the time that Hollywood Video went out of business, I was in good standing as a member and fully current with all my rentals and fees. I had a friend who worked at my local store and got advance notice that they were closing, so I made certain that I was current on all billing at the time they closed. About 2 months ago I received a letter from West Bay Acquisitions claiming that i owed unpaid late fees to Hollywood Video and West Bay Acquisitions had bought that debt, so now I had to pay West Bay. They sent me a list of titles that I had paid in full during my past membership at Hollywood Video, the most recent of which being in early 2010. Now, 3 years later, they are claiming I owe $60.69. I thought my first letter was a hoax or scam, so I ignored it. I just received a second letter demanding payment. The letter threatens further collections activity and states: "Below are the specific titles with the associated rental dates that contributed to this debt." However, the letter LISTS NO TITLES OR DATES. I have sent a letter to West Bay Acquisitions disputing their claim. I did not ever have a contract with West Bay Acquisitions, and was fully paid in good standing at the time that Hollywood Video went out of business. I have researched this topic and found that there are at least two companies trying to collect "debt' from former Hollywood Video customers, and that there are extremely widespread complaints of these collections companies using inaccurate information and unethical practices to try to convince former Hollywood Video customers to pay bills that they do not owe. I would like to cease receiving these completely false attempts to collect a debt I do not owe.

Desired Settlement: I would like to receive a letter from West Bay Acquisitions, LLC stating that they are abandoning their attempt to collect this "debt" which I do not owe them, and that my account is settled and forever closed. I do not want to receive any other letters or any threats to my credit rating or threats to take further action to collect this fraudulent debt.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I've received multiple requests for payment on a Hollywood Video account that was closed months before the company dissolved. The account that I would have used to pay any balances has been closed for around 3 years, so I can't even access past transactions or statements to prove any payments on late fees had been made. When I call to discuss the balance due, they will not give me any additional information about the fee. The store from which the DVD was rented stayed open more than a year after this title was returned - why wouldn't they have contacted me directly about any fees? I don't believe I owe anything.

Desired Settlement: If I truly owe a balance, I'm happy to pay it. But they cannot offer me additional proof that an account was left unpaid, and I've never heard of this collection agency before.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *** ******’account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

The name on the account is my maiden name, *** ******, and that is the name under which the account in question should be closed. 

2/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On Feb. 9, 2012 I received an "important notice" from West Bay Acquisitions, LLC asking me to "resove a debt for the amount of $35.72 originated with Hollywood Video". I am absolutely certain this notice has no substance in fact. All my accounts with Hollywood Video were paid up and clear when they went out of business. My last business with them was to buy a few dvds when they did a clearance sale when they closed up shop. In the communication received from West Bay Acquisitions, LLC they state "that I have ignored their previous attempts to resolve this debt", I have received nothing from this company prior to this notice. They also state that they are listing the "specific titles with the associated rental dates that contributed to this debt". There was nothing listed. I believe they are running some kind of scam operation hoping people will send them these relatively small amounts of money rather than deal with complaining about unsubstantited claims. Please investigate.

Desired Settlement: Close out whatever file they claim to have with my name on it. The account they reference in their letter is ******.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notification (snail mail) from West Bay Acquisitions, LLC that stated, "Our records indicate you have ignored our previous attempt to resolve your debt that originated with Hollywood video..." 1. I have never, ever received any other attempts to resolve this so called debt. This is intimidation and lying. 2. I made sure before our local Hollywood video store closed down, that all my accounts had been clear with no debt owed by me. I made absolute sure of this because I specifically wanted to deal with this locally knowing HWV was going away. This is effectively stealing, by trying to get consumers to pay money we do not owe. I'm appalled by our government that they have not taking more harsh stance against this and will be reaching out to my local representatives on this.

Desired Settlement: An apology for lying, removal of any record of me owing money for the stated debt and any necessary clearing of my name and account showing I owe anything for this debt. Include instructions in the collection letters that are sent out to dispute the claim and allow for that dispute to be registered electronically. If they can take payments electronically and over the phone they can take dispute requests over the phone and electronically. If they choose not to it is only because they know consumers don't want to be hassled with writing a letter and mailing it, not to mention paying for stamp and tracking fees.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions LLC keep trying to collect fees from the now bankrupt Hollywood Video. We did not incur the charges they claim we did, and we have no way of proving otherwise (the claim is for fees for DVDs we rented in March 2009, which we paid up front and returned on time). They have sent us a letter claiming we ignored previous attempts to resolve this debt (which does not exist in the first place).

Desired Settlement: We want them to stop sending harassing demands for money we do not owe them.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’ account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/13/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay alleges that I owe for a movie rental in 2009 from Hollywood Video that I don't believe is a valid charge. I never received any notice of any late fees or charges from Hollywood Video, to my knowledge during the following 2 years it was still in business. My question is: Why now? Why is this coming out of the woodwork now, almost 4 years later? And, it seems the same exact value is trying to be collected from hundreds of other people, which raises "red flags". My balance due is supposedly, $19.16. This is the same exact charge that others are getting. I find it hard to believe that hundreds of people would keep their movie the same number of days, around the same time in 2009, and come up with the same exact figure, also sent out for collection years later!

Desired Settlement: I would like this erroneous debt dropped immediately, and a letter stating that this will not blemish my credit.

Business Response: West Bay would like to address this complaint, but we are not finding the account under the name given.  Please supply us with the account number or reference number and we are happy to find a resolution. Thank you.

Consumer Response:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

The account reference number i was given referred to #******, for Hollywood Video, in the amount of $19.16 pertaining to a late fee for DVD-IGOR (2008/WS/FF) I used to have the last name **** and the billing notice was addressed to ****** ****.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have recieved two notices from West Bay Acquisitinos, LLC through the mail regarding unresolved debt of $11.13 that I supposedly owe from late fees originating at Hollywood Video. I do not know if this company is even real or if they are trying to get me to give them my credit card number to use for themselves. When I have tried contacting this company during posted business hours I receive a voice message stating that they are closed. I do not have past due debt at Hollywood Video. I would pay my late fees the following trip to the video store. I visited the Hollywood Video store near my home prior to them closing and purchased some of their rental videos and verified that I did not have any outstanding debt. Hollywood Video has been closed near my residence for more than two years, and this is the first time that I have received anything stating that I owed any outstanding fees. I do not believe that West Bay Acquisitions is a valid company that should be allowed to attempt to collect debt that is not actually owed, and they should not have the ability to report a false claim on my credit. I cannot even contact them to get the issue resolved, and they have not provided any proof that there is any back debt owed. Unfortunately I cannot contact Hollywood Video either to get a copy of my rental history to prove to West Bay Acquisitions that their records are incorrect.

Desired Settlement: My desired outcome is to have this false balance due removed from their system, to not receive any more of their collection notices, and for West Bay Acquisitions to not report any false claims on my credit. I would also like confirmation in writing that from West Bay Acquisitions that this has been accomplished.

Business Response: In response to case #******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a letter yesterday, 1/16/2013, stating I owe $16.47 for Hollywood Video rentals on 4/12/2009. They say I have ignored previous attempts at resolution, when in fact this is my first notice. I did not owe Hollywood Video any money when they went out of business. In fact, I specifically remember making sure my account was up to date prior to them going out of business.

Desired Settlement: I want West Bay Acquisitions, LLC to stop collection efforts. I do not have an outstanding debt with Hollywood Video. My account with them was up to date prior to them going out of business. I also want anything removed from my credit score that they put on it. My West Bay Acquisitions, LLC Reference # is ******. I would like West Bay Acquisitions, LLC to acknowledge that their bill is not valid and I do not owe them any money and this will not affect my credit score.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

I'm rejecting the terms because you stated you would cease collections to **** ******'s account. I'm **** ******. The terms are acceptable once my name has been used in the statement instead of "******".

 

 

Business Response: In response to case #******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

2/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: My husband received a second request for $10.47 to pay a debt from the rental of three videos from Hollywood Video on 2/10/2009.We did not rent these videos. I think this is a scam.

Desired Settlement: I simply want to establish that this is not our debt.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/12/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I paid off a debt and it stil shows on credit report that I owe the amount that I paid in full over 6 months ago

Desired Settlement: Want my credit to show I paid the amount that was due and have credit fixed

Business Response: Dear Ms. ******:
Our records reflect this account was paid in full on September 12, 2012.  Our records also reflect we notified the credit bureau on September 22, 2012, that this be removed.  If this is still showing on your report, you must contact the credit bureau directly and dispute it with them.  If you would like we could send you a letter and you could forward that to them.  If you would like a letter, please call our office at 1-888-737-7608 and hit "2" to speak with a customer service representative.

Thank you,
West Bay Acquisitions, LLC

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/11/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I AM AN ACTIVE DUTY US MARINE CORPS ******** ***** WHO PURCHASED MOVIES WHEN HOLLYWOOD VIDEO IN TWENTYNINE PALMS, CA WENT OUT OF BUSINESS (THE LORD OF THE RINGS). I DO NOT NOW OR AT THE TIME OF THE CLOSING OF HOLLYWOOD VIDEO, OWE THE FORMER BUSINESS ANY MONIES. I HAVE PREVIOUSLY FILED A COMPLAINT AGAINST WEST BAY AQUISITIONS, LLC AFTER I RECEIVED A BILL FOR COLLECTION THAT I DID NOT OWE. SUBSEQUENT RESEARCH ONLINE REVEALED THAT THERE ARE NUMEROUS COMPLAINTS ACROSS THE NATION AGAINST THIS COMPANY FOR PURSUING COLLECTION FOR MONEY NOT OWED. I FEEL THIS BUSINESS IS ATTEMPTING TO TAKE ADVANTAGE OF MY BEING IN THE MILITARY AND FREQUENTLY MOVING AND DEPLOYING IN AN ATTEMPT TO HAVE ME PAY $14.36 THAT I DO NOT OWE.

Desired Settlement: I WANT ALL COMMUNICATIONS FROM WEST BAY AQUISITIONS, LLC TO STOP AND HAVE MY NAME REMOVED FROM WHATEVER LIST THEY HAVE.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #. 

Thank you very much to all involved for your assistance!

2/6/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions has sent 2 notices for a debt repayment of $13.47 from Hollywood Video. Their reference number is ******. They claim that I rented and did not pay for 2 DVD's. One rental was dated 10/20/2009 and the other 1/10/2010. I have always returned rental DVD's and do not feel that this debt collection is accurate. I never received a bill from Hollywood Video and do not recognize the titles of either listed rental.

Desired Settlement: Stop collection activity and close this account.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions has sent me a reported debt notice on an account that was always paid directly with a credit card (payments were deducted automatically) or paid in cash. These fees are supposedly from 2009 for the amount of $13.96 on behalf of Hollywood Video. These are not valid charges and this is not a valid debt. They have no proof of debt because there was no debt incurred. I need to know what to do so that this "debt" is not charged against my credit rating or, if in fact there is no other recourse, how do I simply pay the extortion and know the company is legitimate, even though the debt is not?

Desired Settlement: That they STOP these letters and send me some kind of notice of dropping this extortion.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I still regard said business as suspicious and unethical.

2/5/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions LLC of Cranston, RI, is trying to collect $19.16 from allegedly unpaid rental fees for Hollywood Video. West Bay claims I "have ignored our previous attempt to resolve your debt." This is the first I have heard of this outfit. I do not have late fees with Hollywood Video and never received any statement from Hollywood Video. My account was zero with Hollywood Video when they closed. This is the first notice to me from West Bay, and they ask me "To avoid any further collection activity, please pay the balance . . ." I respectfully demand that West Bay Acquisitions LLC send no further notices and declares this case and any account they have set up with me closed. West Bay's Reference No. for this case is *******

Desired Settlement: I respectfully demand that West Bay Acquisitions LLC send no further notices and declares this case and any account they have set up with me closed. West Bay's Reference No. for this case is ******.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ******and *********** *******’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/5/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I owe no money to this company. I owe no money to Hollywood video . Tell them to stop sending me bills.people are saying this is a scam.

Desired Settlement: I don't owe them any money, bbb go after this company.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay sent a letter to me. It had a threatening tone. It said that in 2009 I had rented a video and not returned it from ********* *****. Our family did rent the video, but it was returned. I feel compelled to pay the fee, even if it is unfair, because I do not want my ****** ***** ******. It said I accepted the debt as legitimate if I did not respond in 30 days of receiving the letter. We are out of town most of the time, getting cancer treatment at MD Anderson Cancer Center in Houston, TX, so I did not open the letter until this week. Please help us.

Desired Settlement: 1. Erase this unjust bill for ******* 2. Do not harm my credit score.

Business Response:

In response to case * ******* stating that the consumer does
not feel they have any outstanding balances with ********* *****.

 

West Bay Acquisitions abides by all FDCPA and FCRA laws. It
is our company policy that all disputed debts be thoroughly investigated.

 

West Bay Acquisitions, LLC was engaged to perform collection
work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)
and began collection activity in September 2011. All of the accounts that West
Bay Acquisitions, LLC attempts to collect on have been sent and verified by
HVMG to be valid debts.  Based on the
contents of the complaint, this complaint should be directed towards the
Trustee of Hollywood Video.  However, as
a courtesy, we have decided to cease all collection activity and close Jeri
Kinder’s account.  

 

At no time have any of these accounts been reported to any
consumer reporting agency by West Bay Acquisitions, LLC.

2/4/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have received a bill for a video rented from ********* ****** First, the alleged rental occurred in ***** Second, there is nothing in the notice about disputing the charge. All of the information received indicates ways to pay the debt and nothing about contesting it. Of course, it is my word against Hollywood Video and their collection agency. I am sure the video was returned and an error was made by store staff in checking it in but I have no way of proving that.

Desired Settlement: I want West Bay to stop contacting me about this alleged debt.

Business Response:

In response to case * ******* stating that the consumer does
not feel they have any outstanding balances with ********* ******

 

West Bay Acquisitions abides by all FDCPA and FCRA laws. It
is our company policy that all disputed debts be thoroughly investigated.

 
**** *** ************* LLC was engaged to perform collection
work for the Liquidating Trustee for ********* ***** and ***** ******* ******
and began collection activity in September 2011. All of the accounts that West
*** ************, LLC attempts to collect on have been sent and verified by
**** to be valid debts.  Based on the
contents of the complaint, this complaint should be directed towards the
Trustee of Hollywood Video.  However, as
a courtesy, we have decided to cease all collection activity and close *****
*********** ********

 

At no time have any of these accounts been reported to any
consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response:
Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint ********. Thank you for your expeditious handling of my complaint.

Regards,
***** *********

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a collection notice from **** *** ************ LLC on January 10, 2013 for an alleged late fees of ****** owed to ********* ****** I do not owe anything to ********* ***** and for the brief time that I was a customer of this business I always paid all fees on time and never had any outstanding fee. Right before ********* ***** went out of business I asked one of the store's customer service representative about my account and I was told that I had no pending fees.

Desired Settlement: I want all collection attemps to cease and any record with this company with my name on it cleared and adjusted to reflect no pending fees.

Business Response:

In response to case # ******* stating that the consumer does
not feel they have any outstanding balances with ********* ******

 

West Bay Acquisitions abides by all ***** *** **** laws. It
is our company policy that all disputed debts be thoroughly investigated.

 
**** *** ************* LLC was engaged to perform collection
work for the Liquidating Trustee for ********* ***** and ***** ******* ******
and began collection activity in ********* ****. All of the accounts that West
*** ************* *** attempts to collect on have been sent and verified by
**** to be valid debts.  Based on the
contents of the complaint, this complaint should be directed towards the
Trustee of Hollywood Video.  However, as
a courtesy, we have decided to cease all collection activity and close *******
******** ********  

 

At no time have any of these accounts been reported to any
consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint *********

Regards,
******* ******

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: **** *** ************ *** is attempting to collect money for ********* ***** that was never owed. They are claiming that there is an outstanding balance of ****** for 3 items that were rented in **** *** ******* ****. These items were returned in accordance with the rental agreement. The items had to be returned to another branch because the branch where they were originally rented closed suddenly and without warning. **** *** has been notified that this debt is not owed.

Business Response:

In response to case * ******* stating that the consumer does
not feel they have any outstanding balances with ********* ******

 

West Bay Acquisitions abides by all ***** *** **** ***** It
is our company policy that all disputed debts be thoroughly investigated.

 
**** *** ************* LLC was engaged to perform collection
work for the Liquidating Trustee for ********* ***** and Movie Gallery (HVMG)
and began collection activity in September 2011. All of the accounts that ****
*** ************* *** attempts to collect on have been sent and verified by
**** to be valid debts.  Based on the
contents of the complaint, this complaint should be directed towards the
Trustee of ********* ******  However, as
a courtesy, we have decided to cease all collection activity and close ****
****** *******.  

 

At no time have any of these accounts been reported to any
consumer reporting agency by **** *** ************* ****

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The said video/game was returned on time and I was never made aware of a late fee while Hollywood Video was still in business.

Desired Settlement: Drop all charges.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.   At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: ACCT # ******. I received a bill from this company. I do not owe this company any money. The business is closed , went out of business and no longer there. So,I am unable to contact them directly. I have never lived at *** ****** Ave, ******, IL ***** and bills are going to that address. That is my parents address and I have not lived at this specific address. I have not lived with my parents in over 30 years. I used to live in IL over 15 years ago. I would really appreciate it if you could correct your files and put me at a $0 balance. I did belong to a Hollywood Video in Green Bay, WI and I always pay my bills on time. A few days before they closed, in WI, I asked the sales person ****** if I had a balance and she looked in the computer and said NO. So, I know for a fact that I didn't owe any money to them. I remember the girls name because we used to go to the Green Bay location all the time. I might have spelled her name wrong.

Desired Settlement: please clear my account.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I would like a reply back.  please make it clearer.  1.)  I would like it stated that I will have a balance of $0 .  2.) That they will not sell the account to another collection agency.  Thank you for the clarification.

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Today, 1/14/2012, I received a mailed demand for payment of $14.95 for a purported outstanding debt originating with Hollywood Video. This letter stated that I have ignored a previous attempt to collect. I owe nothing to Hollywood Video, and am unaware of any earlier to collect this bogus debt. Two rentals from April and June, 2009 are cited in the letter. While I did borrow those DVDs, quite possibly at that time, they were returned in a timely manner, at the time in which they were borrowed. There is no debt.

Desired Settlement: That this matter be dropped. That West Bay stop this fraudulent activity.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received two collection notices from West Bay Acquisitions, LLC concerning Hollywood Video and fees on a video that was previously returned. Hollywood video allowed a drop box in front of the store as an option to return rented movies. This was the option I chose to return my alleged "unreturned" movie, so I did not receive a receipt with my return. West Bay is asking me to pay $11.97 on a DVD that was indeed returned to Hollywood Video. I called the number West Bay provided on the collections letter and was prompted to press 1 for Hollywood Video accounts. Once I pressed 1, I was hung up on.

Desired Settlement: I want the debt cleared from my name, as I have already returned this movie.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/4/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had recieved a collection notice from the aforementioned company on approximately 10/16/2012 in regard to a debt that does not exsist. i replied to West Bay Acquisitions in writting, by mail questioning the validity of their claim and stating that although i did not admit to the debt of $12.70, I would pay the amount upon a written agreement from the collector stating that the debt would be removed from my credit report and further attempts by the agency to collect after the above amont was paid would result in legal action. The letter stated that although the validity of the debt was not proven the amount would be paid as long as any record of it be removed from my credit report. It also stated that i did not wish to be contacted by phone. I recieved several calls after explicitly stating in the letter that i only wished to be contacted by mail. On 1/15/2013 i recieved a second notice from them stating that i had ignored their attempts to contact me which have not been made in the requested manner and neede to settle the debt which originated with Hollywood Video. Ive researched the company and since learned that they've done this same thing with hundreds if not thousands of people. So why and how is it possible to collect and possibly ruin someones credit for an unproven and false debt. I replied in writtin to the company who claims i have not made any attempt to contact them. this place should be prosecuted and shut down!!! These people are wrecking peoples credit which translates to lives over fakse claims

Desired Settlement: I want this imaginary debt erased. i want this removed and/or not added to my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.  In response to Mr.******’s comment that he’s received several calls, our records reflect **** ****** not make one phone call to him, and only sent a letter. At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

2/4/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received several letters from West Bay Acquisitions, LLC falsly accusing me of never returning 2 videos on March 21, 2009 to Hollywood Video, Reference *******. Any videos that I ever rented from Hollywood Video were always returned on time. I was an excellent customer and I never once had a problem with them. I also checked with Hollywood Video before the store closed to make sure no debt was due. I never once got a late notice from Hollywood Video during this period, nor any phone calls, because there were never any movies that were not returned. I would like my name cleared and removed from this debt collector immediately.

Desired Settlement: I would like for West Bay Acquisitions, LLC to clear this false accusation, remove my name from this debt collector and stop contacting me.

Business Response: In response to case # ******* stating that the consumer does not feel they have any outstanding balances with Hollywood Video.   West Bay Acquisitions abides by all FDCPA and FCRA laws. It is our company policy that all disputed debts be thoroughly investigated.  

West Bay Acquisitions, LLC was engaged to perform collection work for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG) and began collection activity in September 2011. All of the accounts that West Bay Acquisitions, LLC attempts to collect on have been sent and verified by HVMG to be valid debts. 

Based on the contents of the complaint, this complaint should be directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided to cease all collection activity and close ***** *********** account.   At no time have any of these accounts been reported to any consumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.


1/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: They sent me a collection notice for hollywood video for 38.61 from 2009 that I never purchased.

Desired Settlement: Have this collection taken off of my credit record.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********** ******’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions,LLC keeps contacting me regarding a debt that is not owed. West Bay Acquisitions is contacting me on behalf of Hollywood Video trying to collect a balance of $18.76 that is not owed. I returned these movies to the Hollywood Video in Murrieta, CA before they closed their business. I made sure that I did not have an outstanding balance or late fees, knowing that they were going out of business. Now I am being contacted by West Bay Acquisitions, LLC. They claim that there are movies that I rented in 2009 for which I owe late fees.

Desired Settlement: I would like West Bay Acquisitions, LLC to stop sending me bills, and I would like proof that this issue has not appeared on my credit history.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I recently received a Collections Notice from them regarding late fees of $19.16 for a movie from Hollywood video that I supposedly rented 6/29/2009. My account was paid in full, and the have not supplied me with any proof of these late fees. They are threatening "Further Collection Activity" and that the amount "May include some titles not listed here" This sounds like a way to drum up money under the name of a now defunct company. This is the first I have heard anything about this "debt" that I owe. I am worried that they will try and affect my credit with this.

Desired Settlement: Retracting the demand for $19.16 for late fees involving Hollywood Video.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: west bay has tried to collect a debt that i do not owe. first; wollywood video only allowed me to rent one movie at a time. all fee's had to be paid to rent another movie. two; they had a creditcard on file to cover deposits on all fee's. three; all movies were returned.

Desired Settlement: stop all collections. end claim that i owe. close account

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions LLC sent me a collection notice, dated 11/7/12, involving Hollywood Video, claiming I owed $79.80 for late rental charges. Absolutely untrue that I owe anything in this matter. The notice said I had 30 days to respond otherwise they would assume the debt valid. I wrote to West Bay on 11/19/12 stating my contention of the issue and requested that they notify me in writing that the matter was closed / resolved. In fact, their notice said they would advise of judgment if I responded within 30 days which I certainly did. It is now 1/13/13 and I have received nothing from WBA.

Desired Settlement: Written notice from WBA that the notice was in error and no monies are owed.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, based on Mr. *****’s dispute letter, we had decided to cease allcollection activity and closed *********** *****’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/31/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Unfortunately, I am in the group of people being harassed regarding an unpaid Hollywood Video debt that I do not owe. I have written to the Attorney General of Illinois regarding this matter in the past. This has been going on for many years. It started with National Credit Solutions. This business continued to harass and threaten me, claiming an amount owed to Hollywood video. I had no outstanding balance with Hollywood Video at any time. After being contacted by the Attorney General's Office and being notified in writing by me, NCS ceased the collection effort. this occurred in 2010-2011. The effort was then taken up by West Bay Acquisitions, LLC. The same collection letters started being delivered by West Bay in 2012. I disputed the claim in writing on 5/29/2012. I never received a response. I did assume, however, that the matter was closed as I did not hear back from them. Now, my wife is receiving the same threatening collection letters; "...Our records indicate that you have ignored our previous attempt to resolve your debt that originated with HOLLYWOOD VIDEO for the amount of $11.96. To avoid further collection activity, please pay the balance of this account in full..." Interestingly, my wife and I shared the same Hollywood Video account. Now that I have disputed the claim they made against me, they are attempting to dig deeper and threaten my wife. My wife will be disputing this claim in writing tomorrow. I am aware that there have been many complaints filed against this and other companies regarding this or similar matters. I further understand that little will be done to rectify the situation unless each consumer being harassed makes this type of complaint.

Desired Settlement: My desire is that account reference #****** is closed immediately. More importantly, my desire is that this HOLLYWOOD VIDEO scandal is put to rest for good for me and other consumers spending precious time writing letters rather than spending time with our families.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *******************’s account.  For Mr. **********’s information, between the two of them, theyhad 3 accounts.  We had to address allthree accounts.  Also, we do not own thisaccount and it will be returned to the original creditor ********* and ***************** will not hear from West Bay Acquisitions again regarding these accounts. At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/30/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I received a letter from West Bay Acquisitions, LLC regarding an outstanding balance for video rentals from 2009. I have several issues with this claim and I'm unsure if this is a scam since from my understanding Hollywood Video filed for bankruptcy a few years ago.1. These charges are from 2009 and prior to this I received no notice that I owed any late fees2. I just moved back in October 2012. The letter was sent a few weeks later to my new address. The address with which I registered with Hollywood video had been my residence for 14+ years and again, I have not received any notice from Hollywood in the past 3 years at my old address.3. Why are they not trying to collect the money?The charges are minimal but because of the previous stated reasons I'm concerned that this may be a scam. I don't understand why a company would collect this late after going bankrupt. Thank you

Desired Settlement: I would just like information of whether or not this is indeed a scam or if I am required to pay this. It's a small amount and it wouldn't really matter but it seems unusual to collect so late

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Westbay Acquisitions has sent collection letters for the amount of $19.16 for charges I never incurred. I am one of thousands who have received such letters.

Desired Settlement: I would like for them to drop the charges of $19.16 and cease contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is again falsely trying to collect a debt post the closing of Hollywood Video serveral years ago, and now West Bay Acquisitions is again claiming I have an outstanding debt. My account with Hollywood Video was paid in full by cash prior to the store closing it's doors. West Bay is also claiming I have ignored previous attempts to resolve the alleged dept. I have only recieved one other letter, which I have sent them a certified letter in the past asking for explanation of the alleged bill (which was a differnt amount than the most recent letter) and in a response from West Bay Acquisitions, they closed the account then. Now West Bay has sent me another claim. I will be sending them another certified letter to inform them of their error a second time.

Desired Settlement: Although I do not believe West Bay is attempting to collect on a valid debt, my desired settlement is: 1. Correct their records and write off the alleged charges 2. Please provide an accounting explaining how you calculated what you allege that I owe; 3. Please provide me with copies of any contracts or documents which form a basis for the alleged debt; 4. Please provide me with the name and address of the original creditor; 5. Investigate the company to ensure that this is not a scam; 6. Request to stop West Bay from future inquiries into my credit information and/or credit reports; 7. Request to stop West Bay from further collection activity against me; 8. Request to stop West Bay from placing any kind of negative report or information on my credit report(s); 9. Request to have West Bay acknowledge in writing to me that they are honoring all above mentioned requests; Thanks

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.                          

1/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: On January 12, 2013, I received a debt collection notice from West Bay Acquisitions, LLC in regard to a Hollywood Video rental from May 2009, in an attempt to collect a bill of $14.95. As these videos were all returned, I do not owe any fees for these videos. The Hollywood Video store in question (located on MLK Blvd, Lansing MI) was notorious for not scanning in returned videos, or losing them in the drop box or within the store. On more than one occasion a video I returned was either stuck in the exterior drop box, located in a drawer behind the check out counter, or on a shelf available for someone else to rent. When I made them tear apart their drop box, they found my videos and some from other customers. The last few times we rented videos, we then took great pains to make sure that when we returned rented videos we handed the videos directly to an employee and asked that they check in the returned videos while we waited. Therefore, I know darn well I do not own late fees to Hollywood Video. Bad record keeping and incompetent Hollywood Video employees are not my responsibility. The threat of a debt collector to collect on a non-existent debt is not acceptable.

Desired Settlement: I wish for the company to cease attempting to collect for a debt that I do not owe. I wish for the company to remove any history of this debt from their records or mark it as 'resolved'. I wish that any records that affect my credit history be removed or corrected. I wish for the company to contact me only to indicate the issue has been dropped.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011.

All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’ account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions is attempting to collect a debt claimed from February of 2009 in the amount of $19.16 for two movies allegedly rented from Hollywood Video. I have attempted to call this company multiple times to resolve the claimed "debt" during normal business hours with no answer. I have not rented nor seen the movies they claim I rented or did not return, I am not sure because they have not outlined any of this in their statement. If you cannot provide proof of my contractual agreement with Hollywood Video or that I actually rented or did not return these videos then I am going to assume this is an illegitimate way to scam people out of their money.

Desired Settlement: I require a detailed explanation of the charges and proof that these are in fact my purchases

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/29/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a notice of owing 19.16 in late fees for two discs for Holly Video. I very well might owe late fees on the dvds, but I never remember being faced with charges that high for Hollywood Video. And I am not even sure I owe that amount since it was well over 3 years ago! I called to ask for proof of the debt and West Bay said that I had to write a notice of dispute to Holly Video and they would deal with it from there. I just am very displeased that they are not able to readily offer proof of a debt from so many years ago from a store that went out of business awhile back. This whole thing seems sort of shady, especially with the high amount that I am supposed to owe.

Desired Settlement: Proof of debt and/or the account closed

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/26/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Today, January 8, 2013, I received a letter from West Bay Acquisitions stating that I fees on DVD's rented from Hollywood Video in 2009. These charges are bogus. I was never notified by our local Hollywood video (Independence, OR) of the late charges either in person when renting or by phone or mail. I don't even recall renting the DVD items listed. The letter states that I have "ignored our previous attempts to resolve your debt that originated with Hollywood Video for the amount of $24.78". There have been NO previous attempts. I received this letter out of no where & don't even know what they are talking about. I am concerned that they are sending out mass collection letters in the hopes of recouping some of Hollywood's losses.

Desired Settlement: I would like the West Bay Acquisitions to remove this claim from their records as it is false.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

Based on the contents of the complaint, this complaint shouldbe directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided tocease all collection activity and close ****** *******’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/22/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Company sent me a letter to collect $25.02 which I never owed to Hollywood video.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a notice dated October 17, 2012, Reference ******, concerning an alleged late fee for video rental from bankrupt Hollywood Video. The claimed amount due is $10.47. The video rental date was 6/23/2009. This video was returned on-time to the now closed store. This debt is not valid and is not due. Please remove my account from your collections activity. Please also cinfirm in wiriting that this erroneous claim will not be reported to the credit agencies.

Desired Settlement: Discharge the erroneous debt of $10.47. Confirm that this will not be reported to the credit reporting agnecies.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC is wanting to collect $19.99 on a video rented from now bankrupt Hollywood Video. At time of rental, back in 2009, the video was properly returned, HOWEVER, due to Hollywood Videos poor record keeping regarding personal information, they had my name along with my brother-in-laws, since we share the same phone number filed in this complaint. I understand that there are collection agencies out there that are harassing honest people like myself over a bogus claim. Is this one of these companies? It sure feels like it. The movie WAS returned, the matter was resolved by Hollywood video....Why is West Bay after a settled claim for a bankrupt company. It seems like this is another scam company.

Desired Settlement: I have been unfairly charged for a product that was unrightly charged under my name. A charge that had already been resolved by the person who rented, returned and settled error with now bankrupt Hollywood Video. My desire is that this whole erroneous issue be removed from my name. I do not owe a penny to West Bay or Hollywood Video. This to me is a SCAM!!!!!!!!!!!!

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

Based on the contents of the complaint, this complaint shouldbe directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided tocease all collection activity and close ****** ******’s account.  At no time have any of these accounts been reported toany consumer reporting agency by West Bay Acquisitions, LLC

1/19/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Received multiple letters in the mail suggesting I owe money for movies I have never rented from their client. I had an account with the store Game Crazy. They claim I had made four rentals total from the partner store (Hollywood Video) and I owe on them. I had never made such rentals. They continue to send me these false collection notices. They clearly do not know the validity of their claims. I decided to research the issue and found I am not the only one with this issue. Many suggested to submit a claim to you.

Desired Settlement: Their information is incorrect. I do not owe them money and do not plan to pay these claims. I desire they clear the false debt and stop contacting.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **************’ account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a notice from West Bay Acquisitions, LLC showing an alleged "Total Balance Due" of $15.56 that is alleged to have originated with "HOLLYWOOD VIDEO". The claim that I owed any late fees to Hollywood Video is a complete and utter fabrication.

Desired Settlement: Zero out the bogus "late charge". Never again send me a letter alleging that I currently owe West Bay Acquisitions, LLC any money whatsoever.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated.

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions, LLC is attempting to collect late fees on a video rented in 2009 at (the now out of business) Hollywood Video. I believe I do not owe this money. My Hollywood Video account was always paid in full. I was never notified by Hollywood Video that any late fees were on my account or that any money was due to them.

Desired Settlement: I want West Bay Acquisitions to stop any further collection efforts for this untrue debt.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ****************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/18/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company continues to bill me for charges that are not legitimate. These charges are over 3 years old and were never accrued with the original company. Company had a policy of not renting with late charges therefore these fees are not correct.

Desired Settlement: closure of account with a balance of $0, No further contact of billing owed

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts.

Based on the contents of the complaint, this complaint shouldbe directed towards the Trustee of Hollywood Video.  However, as a courtesy, we have decided tocease all collection activity and close **** ********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

1/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have recieved a notice of collections for a BOGUS debt. This company claims that I have an outstanding debt with Hollywood Video back in 2009 for movies that I have NEVER rented. I am a person who also keeps records and receipts for EVERYTHING, so I have proof these charges are fake. This company is trying to scam me out of money. I do NOT owe Hollywood Video or this collection agency anything. This is a BOGUS DEBT and this company DEFINITELY has unethical collection practices!!!

Desired Settlement: I want this so called "debt" to be CLEARED OFF MY RECORD and this issue of collections to be resolved/closed. Afterwards I no longer want to hear anything from this company and want them to stop contacting me.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/17/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I do not owe hollywood video any money. West Bay has made false claims and threatened collection.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close **********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have received a bill for a debt I supposedly owe to HOLLYWOOD VIDEO in the amount of $13.96 for the rental of a DVD (SPIDERMAN-VENOM SAGA) which I did not rent on February 21, 2009. When my local HOLLYWOOD VIDEO outlet closed, the only store I ever shopped at, my account there was free and clear. I never received any contact directly from HOLLYWOOD VIDEO regarding this matter.

Desired Settlement: As stated above, I wish to receive no further contact from West Bay Acquisitions, LLC regarding this matter.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ******** ******’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: West Bay Acquisitions is contacting me on behalf of Hollywood Video trying to collect a balance of $14.31 that is not owed. I have not rented movies or video games in over 4 years from this Company, and when I did I returned them. The video game in question that I did not rent was not released until after 2010, the bussines was not open and I never rented the game. I have excellent credit, always pay my bills on time and if i owed Hollywood Video money I would have paid them. I truly believe that these charges are not right and I would like West Bay Acquisitions, LLC to stop contacting me and write off this erroneous debt due.

Desired Settlement: Stop contacting me and resolve the erroneous debt immidiatly!

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/16/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been contacted by this business twice now via mail. I know that I don't owe them anything, and this seems like an attempt to obtain my credit card information. Plus, they did not provide me with detailed information about what they think I owe them.

Desired Settlement: I would like it very much if this company would leave me alone.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close *********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: The letter that was send stating I owe money to them for a debt to Hollywood video is false. It said that previous attempt were made to resolve this;that is false. It say I owe money regarding a movie I never rented. I called them and said that I would pay the bill if they take it off my credit report and they said no they could not do it. I believe this to be unethical and a scam that has affected many people's credit; I have found many people online with the same story as me. I am afraid I have no recourse other than the better business bureau.

Desired Settlement: Them to absolve me of their perceived debt and take it off my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ************’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/15/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: CALLED THEM UP ABOUT A CREDIT REPORT FROM THEM ON CLOUMBIA HOUSE FOR 125.00 THAT WAS NOT MINE AND THEY REFUSED TO LISTEN WAS VERY RUDE AND I AM IN GOOD STANDING WITH COLUMBIA HOUSE AND HAVE BEEN

Desired Settlement: REPAIR THE DAMAGE THEY ARE TRYING TO DO WITH MY CREDIT REPORT I HAVE A FRAUD ALERT ON IT

Business Response: In response to case # ******* whereinthe consumer states that he does not have an account with Columbia House: West Bay Acquisitions and all ofour partner agencies abide by all FDCPA and FCRA laws. It is our company policythat all disputed debts be thoroughly investigated in determining whether adispute is a result of identity theft or simply confusion on the part of theconsumer that they did not remember making the transaction.

All of the accountsthat West Bay Acquisitions has purchased are verified by the issuer to beaccurate and valid debts.  This particular account, acct. #:********* originated as a Columbia House Account, opened in the name of ************* on January 2, 2007 with a delinquency date of February 6, 2009. Ourrecords indicate that Mr. ****** submitted a total of $13.14 towards thisaccount over that time period with a remaining unpaid balance of $124.70.  This is a due on contract charge. 

Mr. ****** entered into an agreement with ColumbiaHouse and that agreement has still not been fulfilled.  Once this account is settled or paid in fullwe will immediately close the account and update the credit reporting agencies. I would encourage Mr. ****** tocall this office at 888-737-7608 to speak with an account representative to helphim work out a solution. Based on our investigation we find this to be a true andvalid debt.  In the meantime, we havemarked his account as disputed.

Consumer Response:

I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint.

i called colubia house reguarding this they have no record or do i and i keep all my records i do have an account but it has been fulfilled i will not be ripped of by these people

1/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I received a collection notice regarding a Hollywood Video purchase that wasn't made. They said that previous attempts to contact me had been ignored, which is not the case. This is the first letter I have received from this company. I did not purchase a DVD on Chinese Connection back on 1/19/2010. I want to make sure this does not appear on my credit report.

Desired Settlement: I want a letter verifying this is not an accurate debt, and that I don't owe any money to Hollywood Video. The letter needs to confirm that this purchase was never made, and that the letter came to me in error. I also want confirmation that this will not appear on my credit report.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

I would also like to receive a letter stating that this account has been closed, and no further collection activity will happen regarding this account. I would like to have the letter for our records.

1/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: This company is sending me false bills over a business that doesn't exist anymore. They are accusing me of never returning 3 DVDs and a video game from Hollywood Videos in San Diego. I, in fact, returned the videos, which were already paid for via monthly subscription membership at Hollywood videos. The day I returned the videos, I attempted to return the videos at my neighborhood Hollywood Video store but it had, without notice, closed down. There were other customers also as surprised and confused as we were. We had to google the closest Hollywood video in town and inconveniently drive there. We told the employees at the store about how we wanted to cancel our subscription with them because we did not want to go through the situation again. The employees tried to tell us that they were the main store in San Diego and assured us that they would not close down like that. We found it fishy that both stores in our area had shut down out of nowhere so we still cancelled the subscription, returned the videos and later find out, that sure enough, that "main store" at El Cajon Blvd had also shut down a week or 2 later. Now 3yrs later, we randomly get this letter in the mail that we had never returned those videos and owed $19.42. This is completely wrong and I want it to stop. I found their website but they had no contact info and have on there that they are not allowing online payment for those with Hollywood video related bills. Fishy right? So I clicked on the link to the company also listed on the bill ACA International and found an email address. I emailed them about the situation and asked them to stop as well as saying that I will file a complained with The BBB.

Desired Settlement: To take this off my record, if it is indeed on there. I do not have an outstanding debt with Hollywood video. I paid, I returned, I have nothing to do with them. I want them to stop sending me letters.

Business Response: In response to case # ******* stating that the consumer doesnot feel they have any outstanding balances with Hollywood Video. West Bay Acquisitions abides by all FDCPA and FCRA laws. Itis our company policy that all disputed debts be thoroughly investigated. 

West Bay Acquisitions, LLC was engaged to perform collectionwork for the Liquidating Trustee for Hollywood Video and Movie Gallery (HVMG)and began collection activity in September 2011. All of the accounts that WestBay Acquisitions, LLC attempts to collect on have been sent and verified byHVMG to be valid debts. 

Based on thecontents of the complaint, this complaint should be directed towards theTrustee of Hollywood Video.  However, asa courtesy, we have decided to cease all collection activity and close ***********’s account.  At no time have any of these accounts been reported to anyconsumer reporting agency by West Bay Acquisitions, LLC.

Consumer Response: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint.

1/15/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes