This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 131 complaints

Bay Area Receivables, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Complaints by issue type

What consumers report about Bay Area Receivables, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bay-area-receivables-inc Bay Area Receivables, Inc

Grade D · 131 CFPB filings · 82% timely · lead issue: Attempts to collect debt not owed

  • VOL 131
  • GRADE D
  • 12MO 8
  • STATES 15
  • TIMELY 82%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #712
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Sofi Technologies, Inc. (131 complaints)

Sofi Technologies, Inc.Sofi Technologies, Inc.131Bay Area Receivables, Inc (this)Bay Area Receivables, Inc (t…131Account Discovery Systems, LLCAccount Discovery Systems, L…132Big Picture Loans, LLCBig Picture Loans, LLC132Eastpoint Recovery Group, IncEastpoint Recovery Group, Inc132
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bay Area Receivables, Inc's 131 CFPB complaints sit next to Sofi Technologies, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 131 complaints break down

Every complaint issue type on record for Bay Area Receivables, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.6/100
Bay Area Receivables, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
131
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
82%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

59.5% of Bay Area Receivables, Inc's CFPB filings land in Maryland

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Maryland 59.5%
78 of 131 filings · 15 states touched
Seasonal peak
2017-07 8.8%
8–15% band · 5 filings
Corpus ranks
#712 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Bay Area Receivables, Inc compare to its peers?

How does Bay Area Receivables, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Bay Area Receivables, Inc National average
Complaints (last 12 mo)lower is better
8
80
268
Timely-response ratehigher is better
82%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Bay Area Receivables, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Bay Area Receivables, Inc vs. 9 similar-volume peers, by response speed and dispute rate Bay Area Receivables, IncEastpoint Recovery Group, IncBig Picture Loans, LLCFinancial Accounts Service Team Inc.Account Discovery Systems, LLCFreedom Mortgage CompanyGreen & Sons Agency, Inc.NCSPLUS INCORPORATEDNevada Credico, Inc.PRESTIGE FINANCIAL SERVICES INC
Source: CFPB Consumer Complaint Database

Bay Area Receivables, Inc's complaint volume in context

Bay Area Receivables, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

131 Top 13% higher than 87% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Bay Area Receivables, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2016-07 2021-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
64
Written notification about debt
32
Took or threatened to take negative or legal action
12
False statements or representation
11
Communication tactics
5
Cont'd attempts collect debt not owed
4
Threatened to contact someone or share information improperly
3

Where do complaints against Bay Area Receivables, Inc come from?

Bay Area Receivables, Inc's own per-state count, not a national baseline.

Top states by complaints against Bay Area Receivables, Inc

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Bay Area Receivables, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 131.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 82.44274809160305%.

4 peers

Know your rights before responding to Bay Area Receivables, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.