Debt collection -- Communication tactics -- Complaint #4369661
Complaint Overview
Complaint ID: 4369661
Company: Bay Area Receivables, INC
Product: Debt collection
Sub-Product: Medical debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Maryland
ZIP Code: 21206
Date Received: 2021-05-11T12:00:00-05:00
Date Sent to Company: 2021-05-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A debt collector is trying to collect money owed from 2016, though they took over the debt from a company that went out of business and never tried to contact me about the debt. I contacted the hospital who was the originator of the debt for them to tell me they have no record of one of the bills. I paid one debt in full to the hospital directly and let the debt collector know that the other bill did not exist in their system and that I need proof of the bill before I pay. The communication turned hostile via email and the collector told me that I was pulling a " pity card '' and began signing emails as " XXXX '' after I told the collector that they were XXXX for the shady business practice of never reaching out for payment, having all of my contact info on file as I've already tried to reconcile my accounts with them. I have the email chain available for review if needed. The amount in question is {$580.00} and debt collector has provided no proof up to this point and the original biller has no record of the debt. This is harassment and I feel like I have no rights here. What can I do?
Frequently Asked Questions
What is Complaint #4369661 about?
Complaint #4369661 was filed against Bay Area Receivables, INC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-05-11T12:00:00-05:00.
How did Bay Area Receivables, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Bay Area Receivables, INC?
Yes, visit the Bay Area Receivables, INC company profile at readthecomplaint.com/company/bay-area-receivables-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.