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ComplaintsforBayview Solutions, LLC
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Complaint Details
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Initial Complaint
04/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
bayview solutions llc on my credit report and i don't no why but they had no permissionBusiness response
04/22/2024
Dear ************,
Thank you for bringing your concerns to our attention. We understand your apprehension regarding the presence of Bayview Solutions LLC on your credit report and appreciate the opportunity to clarify this matter.
As part of our due diligence, Bayview Solutions LLC conducted what is known as a "soft pull" on your credit profile. This is a standard practice that does not impact your credit score. Such inquiries are permissible under the Fair Credit Reporting Act (FCRA) when a creditor, like ourselves, holds a beneficial financial interest due to a past due collection account. Our intent was solely to verify your location and contact information, as well as to confirm your current living status and that you have not declared bankruptcy.
The FCRA allows creditors and collectors to access credit reports without consumer consent for legitimate business needs in connection with a business transaction that you initiated, including collections of accounts. You can review these provisions under the ***** specifically 15 U.S.C. 1681b(a)(3)(A).
Please be assured that our actions are legally compliant and aimed at maintaining the accuracy and relevance of our records, which is essential for both our interests and the interests of our consumers.
Should you have any further questions or require additional clarification, please do not hesitate to contact us.Initial Complaint
03/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This shady business keeps pulling my credit file and also my family's credit file. None of us have any debt or accounts anywhere. They constantly harass ** with threatening voicemails and phone calls. They are an illegimate business that is a scam. No one should listen to or have to put up with their nonsense.Business response
03/05/2024
I am writing in response to complaint ID ******** regarding the billing or collection issues raised by *************************. Firstly, I want to thank you for providing me with the opportunity to address this matter.
Upon receiving the complaint, I conducted an internal review to understand the situation fully. It appears that there may be some misunderstanding regarding our business practices. Allow me to provide clarification from our perspective.
Our company conducts data scrubbing processes with Experian and other data sources as part of our standard procedure when accounts come into our office for collections. This process includes soft credit pulls on consumer header information to verify accuracy and ensure that consumers have not reported bankruptcy or have been reported deceased. It's important to note that these checks are conducted solely for verification purposes and not for any malicious intent.
Regarding ********************' complaint about receiving threatening voicemails and phone calls, I want to clarify that our office does not engage in making calls or attempts to reach consumers directly. Therefore, any such actions are not representative of our business practices.
In response to ********************' concerns, we have decided to put a hold on all accounts associated with the name "*************************" until we receive further clarification from him. This step demonstrates our commitment to resolving this issue fairly and transparently.
We understand the consumer wishes for us to remove something from their credit report or history. If there is any record, it would be from a Soft Pull that happened each time a new account came into our office with their name and SS#. This Soft Pull history is not public information and only available to them for their reference. A soft pull does not lower or reduce your credit score at all. There is nothing to erase as this is simply a record
Soft inquiries, such as those performed for verification purposes, do not impact an individual's credit score. Soft inquiries are only visible to the individual and do not affect creditworthiness or credit score assessment by lenders.
In light of the above, I kindly request ******************** to provide the necessary information so that we can thoroughly research the matter and provide a comprehensive response. Additionally, I assure ******************** that we take consumer complaints seriously and are committed to resolving this issue amicably. To help us resolve this matter please provide the account number and or the SS# that your accounts are associated with. This will aide us in locating your exact account.
If there are any further questions or if additional information is required.
Thank you for your attention to this matter, and I look forward to your prompt response.
Sincerely,
Bayview Solutions*******************
Initial Complaint
03/23/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I notice two recent soft credit inquiries from Bayview Solutions LLC on my credit report. I do not recall reaching out this company for any loan, credit or repair services. While they were "soft" inquiries, I would ask that the company refrain from contacting me and/or placing any additional inquires on my credit file. Moreover, the most recent inquiries appear to be only 10 days apart. Not much has changed on my credit report in 5 years, let alone 10 days for each inquiry. BAYVIEW SOLUTIONS LLC Address 111 2ND AVE NE STE 900 ST PETERSBURG, FL 33701 Record details Inquired on 11/30/2021 11/20/20 and BAYVIEW SOLUTIONS LLC Address None Provided Record details Inquired on 11/20/2021Business response
04/06/2022
Business Response /* (1000, 5, 2022/03/23) */ Bayview Solutions had purchased two accounts that are past due and owed by the consumer. When accounts are taken into our office and through the course of servicing the accounts we update the contact information, phone numbers, addresses, verify if the consumer is not deceased or has filed bankruptcy. This is a service that we pay for from Experian. Each account is handled separately and was updated separately, that is the reason for the two "soft" inquiries. Owning the accounts provides us a permissible purpose to perform a soft pull, a hard pull or even report to the credit reporting agencies. We have not had any contact with this consumer and they did not reach out to us directly to ask any questions.
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Customer Complaints Summary
3 total complaints in the last 3 years.
2 complaints closed in the last 12 months.