What is the most common complaint against BAY Countryconsumer Finance,Inc.?

The most common issue consumers report about BAY Countryconsumer Finance,Inc. is "Took or threatened to take negative or legal action", specifically "Used obscene, profane, or other abusive language". This is based on 2 complaints filed with the CFPB.

Are complaints against BAY Countryconsumer Finance,Inc. increasing or decreasing?

Complaints against BAY Countryconsumer Finance,Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is BAY Countryconsumer Finance,Inc.'s reputation grade?

BAY Countryconsumer Finance,Inc. has a reputation grade of A (score: 74.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does BAY Countryconsumer Finance,Inc. respond to consumer complaints?

BAY Countryconsumer Finance,Inc. has a 100% timely response rate to CFPB complaints.

In how many states does BAY Countryconsumer Finance,Inc. operate?

BAY Countryconsumer Finance,Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Maryland (2 complaints).

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

BAY Countryconsumer Finance,Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Took or threatened to take negative or legal action

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record bay-countryconsumer-financeinc BAY Countryconsumer Finance,Inc.

Grade A · 2 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #3947 · compose #890

VOL 2
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE Took or threatened to take…
RANK #3,947
COMPOSE #890

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

BAY Countryconsumer Finance,Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, 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

100.0% of BAY Countryconsumer Finance,Inc.'s CFPB filings land in Maryland

High volume does not equal a clean composite: BAY Countryconsumer Finance,Inc. is volume #3,947 but composite #890, while Maryland dominates the geography. Corpus placement method.

Dominant state: Maryland 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2024-10 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,947 volume; #890 composite; Cleanest-composite ladder is 3,057 places better than volume

How does BAY Countryconsumer Finance,Inc. compare to its peers?

How does BAY COUNTRYCONSUMER FINANCE,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 COUNTRYCONSUMER FI… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-10 2025-01

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	1
Communication tactics	1

Where do complaints against BAY Countryconsumer Finance,Inc. come from?

BAY Countryconsumer Finance,Inc.'s own per-state count, not a national baseline.

Maryland

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for BAY Countryconsumer Finance,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: 2.

4 peers

Know your rights before responding to BAY Countryconsumer Finance,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.