CFPB · Single-product concentration
Bay Area Receivables, Inc
164 CFPB complaints · 79.3% in "Debt collection" · top issue Attempts to collect debt not owed.
Bay Area Receivables, Inc: 79.3% of 164 CFPB complaints sit in "Debt collection". Timely 80.5% · relief 44.5%. Allegations, not findings.
- Single-product concentration
- 0% filings 2013 to 2026
CFPB relief outcome brief
CCDB company bay-area-receivables-inc
44.5% relief · 80.5% timely · 164 filings · Debt collection
Same-product relief peers
Nearest relief peer: The CBE Group, Inc. (45.5% relief)
Bay Area Receivables, Inc closes 44.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bay Area Receivables, Inc's 164 filings include narrative text
51.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bay Area Receivables, Inc complaint mix by product
- Debt collection 130 79.3% – 44% relief
- Credit reporting, 25 15.2% – 48% relief
- Credit reporting 7 4.3% – 43% relief
- Debt or 1 0.6% – 0% relief
- Payday loan, 1 0.6% – 100% relief
How Bay Area Receivables, Inc's 164 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 130 |
| Credit reporting, credit repair services, or other personal consumer reports | 25 |
| Credit reporting or other personal consumer reports | 7 |
| Debt or credit management | 1 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for Bay Area Receivables, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- MD
- 56.7% of this company's filings
Bay Area Receivables, Inc complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| MD | 93 |
| DE | 30 |
| VA | 12 |
| DC | 5 |
| IA | 4 |
| PA | 3 |
| FL | 3 |
| NC | 3 |
| CA | 3 |
| NY | 2 |
| MA | 1 |
| GA | 1 |
| CO | 1 |
| MS | 1 |
| WI | 1 |
| IN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 64 |
| Written notification about debt | 32 |
| Incorrect information on your report | 19 |
| Took or threatened to take negative or legal action | 12 |
| False statements or representation | 11 |
| Problem with a credit reporting company's investigation into an existing problem | 6 |
| Improper use of your report | 6 |
| Communication tactics | 5 |
| Cont'd attempts collect debt not owed | 4 |
| Threatened to contact someone or share information improperly | 2 |
| Charged upfront or unexpected fees | 1 |
| Unexpected or other fees | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 0% |
| 2014 | 2 | 50% |
| 2015 | 1 | 0% |
| 2016 | 1 | 0% |
| 2017 | 4 | 50% |
| 2018 | 11 | 54.5% |
| 2019 | 3 | 33.3% |
| 2020 | 9 | 88.9% |
| 2021 | 34 | 79.4% |
| 2022 | 51 | 98% |
| 2023 | 12 | 91.7% |
| 2024 | 13 | 100% |
| 2025 | 21 | 57.1% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Bay Area Receivables, Inc filings cluster in one product
Bay Area Receivables, Inc's 164 logged complaints stay concentrated: only 16 states show a filing. 51.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-05-18.
Bay Area Receivables, Inc answers 80.5% of complaints inside the CFPB's tracked window and closes 54.9% with a written explanation. 44.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bay Area Receivables, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bay Area Receivables, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 164.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 80.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Bay Area Receivables, Inc (80.5% timely; 44.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration