CFPB Consumer Complaint Profile
Bay Area Receivables, Inc
What 164 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-05-15
- 164
- Total complaints
- 17
- Last 12 months
- 79.9%
- Timely response
- 16
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Bay Area Receivables, Inc has accumulated 164 complaints, placing it #1046 by volume. 79.9% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #1046
- of 3,848 companies by volume
- 79.9%
- answered on time
- Debt collection
- most-complained product
- 16
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 2 |
| 2015 | 1 |
| 2016 | 1 |
| 2017 | 4 |
| 2018 | 11 |
| 2019 | 3 |
| 2020 | 9 |
| 2021 | 34 |
| 2022 | 51 |
| 2023 | 12 |
| 2024 | 13 |
| 2025 | 21 |
| 2026 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bay Area Receivables, Inc
The CFPB Consumer Complaint Database has logged 164 complaints against Bay Area Receivables, Inc overall, with 17 of those filed in the trailing 12 months. Reports have come from consumers in 16 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
79.9% of CFPB-forwarded complaints against Bay Area Receivables, Inc get a reply inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Consumers formally disputed the company's response in 0% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 44.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Bay Area Receivables, Inc have?
Bay Area Receivables, Inc has 164 total consumer complaints filed with the CFPB, with 17 filed in the last 12 months.
Does Bay Area Receivables, Inc respond to complaints on time?
Bay Area Receivables, Inc has a 79.9% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Bay Area Receivables, Inc?
Among all products tied to Bay Area Receivables, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Bay Area Receivables, Inc?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Bay Area Receivables, Inc; the full issue list with counts is above.
How do I file a complaint against Bay Area Receivables, Inc?
You can file a complaint against Bay Area Receivables, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bay Area Receivables, Inc?
Bay Area Receivables, Inc has drawn CFPB complaints from 16 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~164)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.