Bay Area Receivables, Inc

What the CFPB Record Shows for Bay Area Receivables, Inc

According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Bay Area Receivables, Inc ranks #526 of 656 debt collectors by debt-collection complaint volume (20th percentile), using the same dc_complaints sort as the Collectors directory. Bay Area Receivables, Inc has 131 debt-collection complaints on file with the CFPB, which represents 79.9% of the 164 total complaints the Bureau has received about this entity. Reports have originated from consumers in 16 states and territories, making this a multi-state collection operation as measured by complaint volume. "Medical debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.

79.9% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is far under the 95% benchmark, a material red flag since late or missing responses are strongly linked to CFPB supervisory action against collectors. Of resolved cases, 44.5% closed with monetary or non-monetary relief to the consumer, which is a relatively high relief ratio for the debt-collection segment. Consumers formally disputed the company's response in 0% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

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