Total CFPB complaints
131
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 131 complaints
Bay Area Receivables, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Bay Area Receivables, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
64 complaints
- Written notification about debt
Written notification about debt
31 complaints
- False statements or representation 11
False statements or representation
11 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
- Cont'd attempts collect debt not owed 4
Cont'd attempts collect debt not owed
4 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 59.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Bay Area Receivables, Inc?
Bay Area Receivables, Inc has accumulated 131 total CFPB complaints across 15 states, with 14 filed in the most recent 12 months against 117 historical complaints before that window. The trailing-12-month volume represents 10.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 82% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 15 states, led by Maryland with 78 and Delaware with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places Bay Area Receivables, Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
14
10.7% of total history
Stable →
States active
15
Distinct state filings
Timely response rate
82%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
59.0/100 composite
Response-quality profile
How Bay Area Receivables, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 82.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Bay Area Receivables, Inc compare to its peers?
Bay Area Receivables, … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-08 2026-01
Top Consumer Issues
Attempts to collect debt not owed64 (%)
Written notification about debt31 (%)
False statements or representation11 (%)
Took or threatened to take negative or legal action10 (%)
Cont'd attempts collect debt not owed4 (%)
Communication tactics2 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 34 |
| Written notification about debt | Didn't receive enough information to verify debt | 23 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Attempts to collect debt not owed | Debt was result of identity theft | 12 |
| False statements or representation | Attempted to collect wrong amount | 11 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Bay Area Receivables, Inc come from?
The states where consumers have filed the most CFPB complaints against Bay Area Receivables, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Bay Area Receivables, Inc
Across 15 states with at least one filing
- Maryland
Maryland
78 complaints
- Delaware 22
Delaware
22 complaints
- Virginia 9
Virginia
9 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- California 3
California
3 complaints
- Florida 3
Florida
3 complaints
- Iowa 3
Iowa
3 complaints
- District of Columbia 2
District of Columbia
2 complaints
Frequently Asked Questions
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 have been stable. The company received 14 complaints in the last 12 months.
What is Bay Area Receivables, Inc's reputation grade? ▼
Bay Area Receivables, Inc has a reputation grade of D (score: 59.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Bay Area Receivables, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Bay Area Receivables, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |