Debt collection -- Written notification about debt -- Complaint #5639072
Complaint Overview
Complaint ID: 5639072
Company: Bay Area Receivables, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Maryland
ZIP Code: 21218
Date Received: 2022-06-06T12:00:00-05:00
Date Sent to Company: 2022-06-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I missed a call from debt collector Bay Area Receivables of XXXX, Maryland XX/XX/2022, and they left an automated voicemail stating I needed to call them to settle a debt. I checked my credit report and noted a collection for {$6000.00} that I did not recognize. I called Bay Area Receivables of XXXX, Maryland and they were not able to provide additional information over the phone. I mailed a certified letter formally requesting verification of the debt to Bay Area Receivables of XXXX, Maryland that was received XX/XX/2022 at their address in XXXX, Maryland by an individual. It is now XX/XX/2022 and I have not received any validation of this debt in writing from Bay Area Receivables of XXXX, Maryland. I have disputed this debt with XXXX, XXXX, and XXXX. Bay Area Receivables of XXXX, Maryland has not provided written validation of this debt within five days of contacting me, and is therefore in violation of the federal Fair Debt Collection Practices Act. Without written validation of said debt, I am concerned this effort to collect is an error or fraudulent.
Frequently Asked Questions
What is Complaint #5639072 about?
Complaint #5639072 was filed against Bay Area Receivables, INC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-06-06T12:00:00-05:00.
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.