We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Collections Agencies

Bay Area Credit Service LLC

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Bay Area Credit Service LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Bay Area Credit Service LLC has 5 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 44 total complaints in the last 3 years.
    • 14 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/12/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am disputing an invalid account reported by ********************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

      Business Response

      Date: 03/19/2025

      Hello Ms. ***************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by PHILADELPHIA GAS WORKS on 08-09-2023 for the date of service 04-21-2022.

      Our records indicate that notification regarding your account was sent to you on 08-30-2023 & 11-28-2023 at the following address: 1906 INGERSOLL ST 1F PHILA PA 19121 and no mail return was received in response.

      We understand the importance of compliance with **** standards. We want to clarify that both notifications we sent included a disclaimer regarding credit reporting. This disclaimer, as required by law, informs you that a negative credit report may be submitted to a credit reporting agency if you fail to meet the terms of your credit obligation. This is in accordance with **** standards,which are designed to ensure transparency and compliance in the reporting process. We assure you that we adhere to all relevant regulations to ensure our reporting practices are compliant.

      As confirmation of the validity of the account, an itemized statement confirming the charges will be sent on the address which is provided in the complaint correspondence.

      We have reviewed your account & in response to your dispute claiming that this debt is inaccurate and unverified with **********************, we have placed the account in a disputed status.

      If your claim is that the debt was already paid, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft, please complete the following items and return via regular mail:
      1) Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
      2) A copy of a police report filed with your local police department
      3) We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We hope that the information provided here will be helpful in resolving your concerns. If you have a different reason for the dispute, you can complete the dispute response at our website
      ************************************************************************************* or call us directly for immediate assistance.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      ***** *****
      HOVG,LLC dba Bay Area Credit Service
      ***********************************************

    • Initial Complaint

      Date:02/23/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Bay Area Credit Service. I do not have a contract with Bay Area Credit. They did not provide me with the original contract as requested.

      Business Response

      Date: 02/27/2025

      Hello Ms. ****************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your files, which was assigned to us by ********************** on 12-01-2023 & 12-08-2024 for the date of service 08-24-2022 & 05-18-2023 respectively.

      Our records indicate that notification regarding your account number ********* was sent to you on 12-04-2023 & 03-03-2024 at the following address:  **************************************************************************************;19129.

      Notification regarding your account number ********* was sent to you on 01-13-2025 at the following address:  ******************************************************************;19131 and no mail return was received in response.

      As confirmation of the validity of the account, an itemized statement confirming the charges will be sent on the address which is provided in the complaint correspondence.

      We have reviewed your account & in response to your dispute claiming that you are not liable for this debt with **********************, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft, please complete the following items and return via regular mail:
      1) Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
      2) A copy of a police report filed with your local police department
      3) We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      ***** *****
      HOVG,LLC dba Bay Area Credit Service
      ***********************************************

      Customer Answer

      Date: 03/06/2025

       
      Complaint: 22979193

      I am rejecting this response because: Information on account is incorrect and inaccurate. Attached is a pdf file containing my Official Notarized Response to Bay Area Credit Service. The attachment will also include copy of my Experian reporting of the illegitimate debt and a copy of my drivers license and first page of bank statement for proper identification. These documents will also be mailed to Experian and Bay Area Credit Serv.

      Sincerely,

      ****** *****

      Business Response

      Date: 03/10/2025

      Hello Ms. ****************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your files, which was assigned to us by ********************** on 12-01-2023 for the date of service 08-24-2022, in reference to the following:

      CLIENT: Philadelphia Gas Works
      DATE OPENED: 03-08-2019
      SERVICE ADDRESS: ***********************************************************
      LAST PAYMENT DATE: 11-29-2022
      FINAL BILL DATE: 08-24-2022

      &on 12-08-2024 for the date of service 05-18-2023 respectively , in reference to the following:

      CLIENT: Philadelphia Gas Works
      DATE OPENED: 03-17-2022
      SERVICE ADDRESS: *************************************************
      LAST PAYMENT DATE: 08-08-2024
      FINAL BILL DATE: 05-18-2023

      Our records indicate that response to your earlier dispute was addressed on 02-27-2025.

      In reference to a credit deletion, a request was submitted for the your file, which was assigned to us by ********************** on 12-01-2023 for the date of service 08-24-2022, and an AUD Control number of ******** has been returned, which is our confirmation that the request had been received.  Please understand that it may take ***** days for the Credit ****************** to update their files, and this is beyond our control.

      File which was assigned to us on 12-08-2024 for the date of service 05-18-2023 is not reported to the credit bureaus and has been updated to reflect the dispute status of the account in our system, which we are required to do upon receipt of a dispute from a consumer.

      Should you have any further concerns or disputes, we encourage you to contact us via phone or email ****************************************** or submit your dispute along with any supporting documentation through our website *****************************************************

      This may include proof of identity theft such as a copy of your filed FTC Identity Theft Report -available at **********************************; a copy of your police report filed with your local police department (if claiming fraud), a copy of your drivers license and Social Security card (if claiming mistaken identity), proof of payment (if the debt has already been settled) or if you have any other dispute regarding the debt, you may provide any relevant documentation that supports your claim and proves that you are not liable for the debt.

      However, if you believe that the information provided in this response has resolved the dispute and you wish to settle the balance, one of our collection specialists will be happy to assist you.  Payments can also be made by mail to P.O. ***************************** or through our website at *****************************************************************

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

       Sincerely,

       ***** *****

      HOVG,LLC dba Bay Area Credit Service

    • Initial Complaint

      Date:02/10/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with **********************, I do not have a contract with Bag Area Credit Service, they did not provide me with the original contract as I requested.

      Business Response

      Date: 02/12/2025

      Hello Ms. ******************* you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by PHILADELPHIA GAS WORKS on 06-22-2023 for the date of service 03-16-2022.

      Our records indicate that notification regarding your account was sent to you on 06-23-2023 & 09-21-2023 at the following address: 1721 N 25TH 1 PHILADELPHIA PA 19121 and no mail return was received in response.

      As confirmation of the validity of the account, an itemized statement confirming the charges will be sent on the address which is provided in the complaint correspondence.

      We have reviewed your account & in response to your dispute claiming that you are not liable for this debt with **********************, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft, please complete the following items and return via regular mail:
      1) Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
      2) A copy of a police report filed with your local police department
      3) We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      ***** *****
      HOVG,LLC dba Bay Area Credit Service
      ***********************************************

    • Initial Complaint

      Date:01/30/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Bay Area Credit Services collections was recently removed from my ********** and I'm demanding an update on all bureaus.

      Customer Answer

      Date: 01/30/2025

      Recently logged in on my credit karma app and it says that it is removed from report on my ********** but its still present on my EquiFax

      Business Response

      Date: 02/05/2025

      Hello Mr. ************************ you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by PHILADELPHIA GAS WORKS on 09-06-2023 for the date of service 05-28-2022, in reference to the following:

      CLIENT: Philadelphia Gas Works
      DATE OPENED: 12/03/20220
      SERVICE ADDRESS: **************************************
      LAST PAYMENT DATE: 3/1/2021
      FINAL BILL DATE: 5/28/2022

      Our records indicate that response to your earlier dispute was addressed on 06-06-2024 and an itemized statement confirming the charges was mailed to you on 06-24-2024.

      With reference to your desired resolution of removing and blocking this debt from credit reporting kindly be advised that your account is placed in disputed status and is reported as disputed to credit bureaus.  This debt has not been removed from your *********** report by Bay Area Credit Service but has been updated to reflect the dispute status of the account in our system, which we are required to do upon receipt of a dispute from a consumer.

      Should you have any further concerns or disputes, we encourage you to contact us via phone or email ****************************************** or submit your dispute along with any supporting documentation through our website *****************************************************


      This may include proof of identity theft such as a copy of your filed FTC Identity Theft Report - available at ***************** & a copy of your police report filed with your local police department (if claiming fraud), a copy of your drivers license and Social Security card (if claiming mistaken identity), proof of payment (if the debt has already been settled) or if you have any other dispute regarding the debt, you may provide any relevant documentation that supports your claim and proves that you are not liable for the debt.

      However, if you believe that the information provided in this response and the itemized statement mailed on 06-24-2024 has resolved the dispute and you wish to settle the balance, one of our collection specialists will be happy to assist you.  Payments can also be made by mail to P.O. ***************************** or through our website at *****************************************************************

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      ***** *****
      HOVG, LLC dba Bay Area Credit Service

    • Initial Complaint

      Date:12/30/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with BAY AREA CREDIT SERVICE, I do not have a contract with **************** RESPONSE they did not provide me with the original contract as I requested.

      Business Response

      Date: 01/08/2025

      Hello Mr. ******************* you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by American Medical Response on 04-21-2023 for the date of service 12-16-2022.

      Our notes show that notifications regarding this account were sent to you on 04-22-2023 & 06-26-2023 and a settlement  letter was sent on 10-19-2023 to the address *********************************** which we have on file and no mail return was received in response.

      Regarding your request for validation of the account, we will be happy to either mail it via **** mail to the address provided in the complaint correspondence or email the supporting documents depending on your preference.  We need to have permission or an emailed request to send via email. You can also visit ***************************************************** and place a request.

      As for your request for proof of the original application with your signature, we have placed a request for the *** Signature page from the client. We will send it to you as soon as we receive it. However, please note that it may take some time as this process is beyond our control. Additionally, we recommend that you can also request the *** Signature page by visiting the following link: *************************

      We have reviewed your account &in response to your dispute claiming that you are not liable for this debt with American Medical Response, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid either by insurance or a direct payment, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft,please complete the following items and return via regular mail:
      1) Identity Theft Affidavit you may find this here - ******************************
      2) A copy of the front and back of a police report regarding the ** Theft
      3) We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response,please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************.

      Sincerely,
      ***** *****
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

    • Initial Complaint

      Date:11/13/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with AMERICAN MEDICAL RESPONSE. I do not have a contract with Bay Area Credit Service, LP, they did not provide me with the original contract as requested.

      Business Response

      Date: 11/19/2024

      Hello Ms. ********************* you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by American Medical Response on 10-28-2022 for the date of service 10-23-2022.

      Our notes show that notifications regarding this account were sent to you on 10-31-2022 & 01-04-2023 and settlement  letters was send on 01-09-2024 at the address ************************************************************************;TX 76137which we have on file and no mail return was received in response.

      Regarding your request for validation of the account, we will be happy to either mail it via **** mail at the address provided in the complaint correspondence or email the supporting documents depending on your preference.  We need to have permission or an emailed request to send via email.

      As for your request for proof of the original application with your signature, we have placed a request for the *** Signature page from the client. We will send it to you as soon as we receive it. However, please note that it may take some time as this process is beyond our control. Additionally, we recommend that you can also request the *** Signature page by visiting the following link: *************************

      We have reviewed your account &in response to your dispute claiming that you are not liable for this debt with American Medical Response, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid either by insurance or a direct payment, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft,please complete the following items and return via regular mail:
      Identity Theft Affidavit you may find this here - ******************************
      A copy of the front and back of a police report regarding the ** Theft
      We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response,please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************.

      Sincerely,
      ***** *****
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

    • Initial Complaint

      Date:11/06/2024

      Type:Delivery Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Received a ding on my credit for this company. Never heard of them. Never received a bill. No idea who they are. Number on credit agency doesnt match this company.

      Business Response

      Date: 11/11/2024

      Hello Ms. ********************* you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by American Medical Response on 02-14-2023 for the date of service 09-29-2022.

      Our notes show that notifications regarding this account were sent to you on 02-15-2023 & 04-21-2023 and settlement letter was send on 08-14-2023 at the address ************************************;AZ 85255 which we have on file and we received mail return in response on 09-01-2023.

      We received your dispute earlier on 10-05-2023 through E-OSCAR stating I am contacting you in regards to a charge that showed up on my credit that I need more information on, after which an itemized statement was sent 11-09-2023 on the above mentioned address.

      Regarding your request for validation of the account, we will be happy to either mail it via **** mail at the address which you can provide us or email the supporting documents depending on your preference.  We need to have permission or an emailed request to send via email.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response,please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      ***** *****
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

    • Initial Complaint

      Date:08/25/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with BAY AREA CREDIT SERVIC. I do not have a contract with BAY AREA CREDIT SERVIC, they did not provide me with the original contract as requested.

      Business Response

      Date: 08/28/2024

      Hello Ms. ********************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by PHILADELPHIA GAS WORKS on 12-18-2023 for the date of service 08-26-2022.

      Our records indicate that notification regarding your account was sent to you on 12-19-2023 & 03-18-2024 at the following address: 207 W ******- PHILA PA 19120 and no mail return was received in response.

      As confirmation of the validity of the account, an itemized statement confirming the charges will be sent on the address which is provided in the complaint correspondence.

      We have reviewed your account & in response to your dispute claiming that you are not liable for this debt with PHILADELPHIA GAS WORKS, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft, please complete the following items and return via regular mail:
      1.Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
      2.A copy of a police report filed with your local police department
      3.We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG,LLC dba Bay Area Credit Service
      ************************************************

    • Initial Complaint

      Date:08/11/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Im not liable for this debt with Bay Area Credit Service. I do not have a contract with Bay Area Credit Service. They did not provide me with the original Contract as I requested

      Business Response

      Date: 08/14/2024

      Hello *************************,

      Upon receipt of your concern our office researched the matter and discovered that without further information we are unable to locate the specific account you are referencing in your concern. 

      Please provide an account number, client account number or your date of birth so that we may process your request for verification.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

      Customer Answer

      Date: 08/14/2024

       
      Complaint: 22125182

      08/30/1996

      353017xxx 



      Sincerely,

      *************************

      Business Response

      Date: 08/19/2024

      Hello ****************,

      Thank you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by American Medical Response on 06-09-2023 for the date of service 10-27-2022.

      Our notes show that notifications regarding this account were sent to you on 06-10-2023 & 08-14-2023 and ** theft letters were send on 01-20-2024 at the address *****************************************************************;CA 90026 which we have on file and no mail return was received in response.

      In addition, we have not received a letter or email requesting validation of the debt.

      Regarding your request for validation of the account, we will be happy to either mail it via **** mail at the address we have on file or email the supporting documents depending on your preference.  We need to have permission or an emailed request to send via email.

      As for your request for proof of the original application with your signature, we have placed a request for the *** Signature page from the client. We will send it to you as soon as we receive it. However, please note that it may take some time as this process is beyond our control. Additionally, we recommend that you can also request the *** Signature page by visiting the following link: *************************.

      We have reviewed your account &in response to your dispute claiming that you are not liable for this debt with American Medical Response, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid either by insurance or a direct payment, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft,please complete the following items and return via regular mail:
      1) Identity Theft Affidavit you may find this here - ******************************
      2) A copy of the front and back of a police report regarding the ** Theft
      3) We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

      Customer Answer

      Date: 08/19/2024

       
      Complaint: ********

      Contact information is *********************** please email me the documents so I can sign them thank you 

      Sincerely,

      *************************

      Business Response

      Date: 08/20/2024

      Hello *************************,

      We have received your authorization to send the requested documents via your email address which is: ***********************. 

      Please note that we have requested the required documents from our client and we will Email you the documents upon their receipt.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response, please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

      Customer Answer

      Date: 08/20/2024

       
      Ok thank you
      Sincerely,

      *************************

    • Initial Complaint

      Date:07/20/2024

      Type:Order Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for the debt with Bay Area Credit Service LLC. I do not have a contract with this collection agency.. They did not provide me with the original contract as I requested.

      Business Response

      Date: 07/24/2024

      Hello **********************,

      Thank you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by American Medical Response on 09-22-2023 for the date of service 02-15-2023.

      Our notes show that notifications regarding this account were sent to you on 09-24-2023 &11-28-2023 and settlement letters were send on 03-22-2024 at the address ********************************* T- GREENSBORO NC 27407 and no mail return was received in response.

      In addition, we have not received a letter or email requesting validation of the debt.

      Regarding your request for validation of the account, we will be happy to either mail it via **** mail at the address we have on file or email the supporting documents depending on your preference.  We need to have permission or an emailed request to send via email.

      As for your request for proof of the original application with your signature, we have placed a request for the *** Signature page from the client. We will send it to you as soon as we receive it. However, please note that it may take some time as this process is beyond our control. Additionally, we recommend that you can also request the *** Signature page by visiting the following link: *************************

      We have reviewed your account &in response to your dispute claiming that you are not liable for this debt with American Medical Response, we have placed the account in a disputed status.

      Please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is that the debt was already paid either by insurance or a direct payment, please provide proof of the payment and any remaining balance owed or a statement showing a zero balance.

      If your claim is identity theft,please complete the following items and return via regular mail:
      >Identity Theft Affidavit you may find this here - ******************************
      >A copy of the front and back of a police report regarding the ** Theft
      >We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response,please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

      Customer Answer

      Date: 07/26/2024

       
      Complaint: 22019218

      I am rejecting this response because: The claimed service that was dated 2/15/2023 never occurred. I was actually out of the country during that time period. I also did not live at the residence you listed in 2023 nor was I ever contacted about this claimed service. I am also not familiar with the original creditor and have not signed anything to make me liable for this claimed debt. I demand this be taken of my report immediately.

      Sincerely,

      *******************************

      Business Response

      Date: 07/30/2024

      Hello *******************************,

      Upon receipt of your concern we have thoroughly reviewed the details of your file again, which was assigned to us by American Medical Response on 09-22-2023 for the date of service 02-15-2023.

      We have reviewed your account &in response to your dispute claiming that the service dated 2/15/2023 never occurred and you were actually out of the country during that time period. You also mentioned that you did not live at the residence listed in 2023 nor were you ever contacted about this claimed service and you are not familiar with the original creditor and have not signed anything to make you liable for this claimed debt.

      As mentioned earlier please be advised that in order to resolve your dispute, we will need additional documentation that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is identity theft,please complete the following items and return via regular mail:
      1)Identity Theft Affidavit you may find this here - ******************************
      2)A copy of the front and back of a police report regarding the ** Theft
      3)We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response,please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

      Customer Answer

      Date: 08/06/2024

       
      Complaint: 22019218

      I am rejecting this response because:
      You have still not been able to provide anything that actually links me to this collection attempt. Can you show the signed document that you claim to have?  What type of documentation would be needed to verify I did not receive this service? 
      Sincerely,

      *******************************

      Business Response

      Date: 08/08/2024

      Hello *******************************,

      Upon receipt of your concern we have thoroughly reviewed the details of your file again, which was assigned to us by American Medical Response on 09-22-2023 for the date of service 02-15-2023.

      We have reviewed your account & in response to your dispute claiming that we have still not been able to provide anything that actually links you to this collection attempt and wanted to see the signed document that you owe this claim, please be informed that we have mailed Itemized Statement & PCR report on 07/30/2024 via **** mail at the address which we have on file i.e. ***************************************************************

      As mentioned earlier please be advised that in order to resolve your dispute claiming you did not receive the service, we will need below mentioned documents that provides proof that you are not liable for this debt be mailed back to us. 

      If your claim is identity theft,please complete the following items and return via regular mail:
      1) Identity Theft Affidavit you may find this here - ******************************
      2) A copy of the front and back of a police report regarding the ** Theft
      3) We must have a copy of both documents to finalize the investigation

      With reference to your desired resolution of removing and blocking this debt from credit reporting, kindly be advised that your account is placed in disputed status and will be reported as disputed to credit bureaus for now, however once the requested documents are received from your end and verified appropriately, we will action accordingly.

      We strive to provide professional and courteous service and sincerely apologize for any undue inconvenience you may have experienced thus far.

      If you have any additional questions or require further information regarding our response,please do not hesitate to contact our office.

      BACS Customer ********************** Toll Free #: ************

      Sincerely,
      *********************
      HOVG, LLC dba Bay Area Credit Service
      ************************************************

      Customer Answer

      Date: 08/08/2024

       
      Complaint: 22019218

      I am rejecting this response because: that as I stated is not my address nor was it my address at the claimed time of service. Please put actionable steps in the next message. 

      Sincerely,

      *******************************

    Bay Area Credit Service LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.