What is the most common complaint against Bay Area Receivables, Inc?

The most common issue consumers report about Bay Area Receivables, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 131 complaints filed with the CFPB.

Are complaints against Bay Area Receivables, Inc increasing or decreasing?

Complaints against Bay Area Receivables, Inc are falling. The company received 8 complaints in the last 12 months, showing improvement over prior periods.

What is Bay Area Receivables, Inc's reputation grade?

Bay Area Receivables, Inc has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bay Area Receivables, Inc respond to consumer complaints?

Bay Area Receivables, Inc has a 82% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Bay Area Receivables, Inc operate?

Bay Area Receivables, Inc has received CFPB complaints from consumers in 15 states, with the most complaints from Maryland (78 complaints).

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

Bay Area Receivables, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Compiled by PlainCollector

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

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 #712 · compose #3232

VOL 131
GRADE D
12MO 8
STATES 15
TIMELY 82%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #712
COMPOSE #3,232

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Bay Area Receivables, Inc is volume #712 but composite #3,232, while Maryland dominates the geography. 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
Divergent corpus ranks: #712 volume; #3,232 composite; Cleanest-composite ladder is 2,520 places worse than volume

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, … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

82%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Maryland

78
Delaware

22
Virginia

9
California

3
Florida

3
Iowa

3
Pennsylvania

3
District of Columbia

2

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.