National Recovery Agency mailed me a letter stating that I still owe $95 dollars to BMG Music Service (account purchased by WEST BAY ACQUISITIONS. In my life time, I never used BMG MUSIC SERVICE !!! National Recovery Agency stated that if I don't pay this amount immediately, my credit score will be affected negatively ... I, then, filed a complaint at the F.T.C. website -- here is the link --- https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en#last (just copy & paste the above link onto the MENU BAR on your browser. LET'S ALL MAKE THE COMPLAINT so that the FTC will TAKE ACTION ASAP !!! read full review »