Bay Area Credit Service
Reviews and Complaints

I’m on disability. I tried to tell the rep this. He told me he doesn’t deal with the government. I was confused. Then he became very rude and extremely disrespectful. The thing he said that made me flip was, “it’s not our fault you don’t want to pay your bill.” His name is Henry Kingston. I called to speak with a supervisor and I was told by the supervisor that something would be done. However, his tone and attitude said different.

Fraudulent account... Where's the verification stating that I did business with you guys? There is none please take care of this and provide me with the information to speak to someone concerning this fraudulent matter. This account was reported october 7th on my credit report of a balance of $3, 472.00 please reach out to me as soon as possible so we can fix this issue...

9/6/2018
#[protected] is our given reference number

We were contacted with information related to my husband's information with a former address, adjacent name, and told the birth date matched the person they were contacting for an over $3000 debt for an ambulance ride that was never taken by my spouse. Even after resolving that they had the incorrect person and that the debt was not ours, they requested further contact details which were not provided.

First of all my name and address were in the addressers place and it was addressed to Bay Area 1000 Rd. Ste.195 Bldg 400 Atlanta Georgia 30328:

This letter is written as if I wrote it to Bay Area Credit Services for a bill unknown it is also signed incorrectly...This is how it reads:

Dear Bay Area Credit Service:

I must ask you to substantiate your claims concerning any account information Bay Area Credit Service sent to credit CRAs for me, Debrah Huntley, for the ostensible account number [protected]. Since it is possible that reporting errors may be in those files, I formally request that you transmit such validation within a month of this request. Forward more than a review without detail. Rather I have requested an in-depth validation. If you cannot meet such lawful requirements within a reasonable time frame, any information communicated by your company to credit CRAs should not be assumed to be appropriate and may evince an intention to willfully violate my rights described by FDCPA or applied laws. In that case, revoke that reported data at once.

I remain appreciative regarding your attending to this circumstance.

Sincerely,
Signature
Debrah Huntley

P.S. I did not write nor have I ever heard of this credit service. Advise, please.
[protected]@gmail.com

Miami Florida-This company has been harassing me for a year. I finally make a payment and when I called to get a clearance letter, they stated they sold my account and have no record of payment.

I'm from Atlanta and am really looking forward to getting more info on this company, it's practices and why they are using teleservices from India who have reps with very American names.

This company is a scam and I hate they have hurt my credit rating.

I'm trying to reach someone at the BBB right now.

i got a letter from bay area credit from att.com i try to set up a payment plan the man said they wanted it now i dont get pay until next month he said now i told him i dont have now bad the got so upset with me that not good i try to call att about my bill they said talk to bay area credit not good

I answered my home phone Saturday and a Tyler from the Bay Area Credit Service on the other line saying that my AT&T Uverse account was up for collection. According to him it was a service that was added earlier this year, 2013. -> If you get one of these calls, be VERY CAREFUL. Little did they know, I just so happen to work for ATT and pay my phone/uverse bill every month / current. I am an employee and need to keep my service in good standing. I informed him that 1) I do have an account and I am an employee and would "investigate on my own" I called AT&T and told them about the situation, they informed me that my account is in good standing and current, which I already knew. SO all out there, this company may be a true collection agency, but they are also DEFINITELY RUNNING SOME KIND OF SCAM. If they contact me again, then when I get finished with them they are going to wish that they had never dialed my number.

They have live-called and robo-called my cellphone nearly every day for over a year, demanding "Floyd Nelson" to call back about his debt or bad checks or whatever. They've threatened legal action, hollered "You have been served, " etc/ I have REPEATEDLY explained that they have the WRONG NUMBER and asked them to remove my number from their database. I've had my number for 8 years. I am not Floyd Nelson, don't know Floyd Nelson, have never heard of Floyd Nelson before these a-holes started calling. They keep demanding to know MY name, and I refuse to give it to them. It's bad enough they've somehow erroneously gotten my cell number, if they get my name into their database, God help me. I just tell them I'm NOT Floyd Nelson, they've got the WRONG number, and that's all they need to know.If this company is supposed to do skip-tracing, they should be using the standard private detective methods--property, social security, etc to track Floyd down. Also, a simple reverse-trace on my number would reveal that it is not, has never been, associated with "Floyd Nelson." I put their 800 number on my blacklist so the calls won't ring through, but they bump to my voicemail and I STILL have to pay to clear them.I have begged, I have cried, screamed, threatened legal action---the calls continue. Yesterday I called them back, demanded to know their address so I could turn it over to my attorney and sue them for harassment. First I talked to a Victor Atkin; he refused to give their address(!) and kept demanding to know my name. I refused, and reminded him that there is supposedly a $5000 fine per occurrance for harassing calls; they've called me 25 times in the past 14 days alone. He and I shouted at each other for awhile and finally he put his supervisor, Norman McKenzie, on the phone. He too refused to give me their corporate address and hollered back at me, repeatedly insisting he couldn't tell me anything about the company "until I know with whom I am speaking." I then told him, fine, I'd simply have my attorney reverse-trace their number, get their address, and serve papers. Finally, when he got it through his thick skull that I was NOT giving out my name, he agreed to remove my number from their database. So I repeated my number, and agreed this would be done immediately. Then he recited a completely DIFFERENT phone number theY have, supposedly associated with "Floyd Nelson, " and he asked if that was also a phone number of mine. I'd never had, or heard, that number before, and told him so. I repeated my own number, and he assured me it would be removed from their database by the end of day yesterday. and dissociated from "Floyd Nelson" forever, and I would receive no more calls ever. I said ok, but if I get one more, I'm suing. This morning, at 10:34 am, guess who called?

The woman who talked to me at Bay Area Credit Services said the sum of $744.07 under my husand's name quoted to be by US Bank (in my search for refinancing) was now $808.08 due to rising added interest. She would not provide either an address or phone number for the company so-called "American Medical." Well, in searching "American Medical, " it seems this term is ubiquitous for many things. I suspect that this is a SCAM. This woman said the charge was for an ambulance fee. My husband had been in a group home at one time and taken to the hospital, which was about 1 1/4 miles from the home. I never got a bill whatsoever, or I would have paid it. This charge was made in 2008! Today is January 14, 2013. For the life of me, why wasn't I billed?

I noticed that at the bottom of their page it said something to the effect that their copyright was [protected]. How can I refute this charge when I don't have he phone number or address and the name of the company is ambiguous?

I have an outstanding bill with AT& T which was placed with Bay Area Credit Service LLC. The outstanding fee is the early termination fee caused by me closing my account because I could not afford to continue service. The credit agency insisted that I make larger payments than I could afford and was unwilling accept anything else even when I stated that I couldnt' afford it. I spoke with a supervisor and basically got the same thing. Does AT&T and Bay Area Credit have a clue as to the condition of the economy? I was making regular payments to the credit agency you would think that would be sufficient. I have one other bill that I am paying off over time and the people I am working with are great. They work with me and friendly and understanding. Bay Area Credit Service LLC should take some lessons from them. They would probably get further. Since AT&T uses this agency I will not go back to them. Not that I would plan on a bill going into collections again but as a statement of discontent with their business choices.

I received a notice for collection of an AT&T phone bill for a landline disconnected a year prior. I checked with ATT re: this, and the customer service hung up on me. When I contacted Bay Area Credit Service LLC, they told me it was for my 'last bill.' However, I believe I paid my last bill shortly after I closed the 'landline' portion of my ATT services and feel this request for collection is incorrect. They also offered me to pay by July 17 and the charge will be reduced from 201.91 to 100.96. If I was owing ATT for an unpaid bill, wouldn't they have requested balance due constantly via their own correspondence? Why would it occur that one year later I'm getting a collection notice for an unpaid bill for a disconnected telephone line. When I went back to ATT to inquire further, they sent me my last bill, and told me I had closed my account, therefore I do not have access to log inn to my former account. Which doesn't make sense. B/C if I'm still a customer with ATT, I should be able to get into my former landline account to check payment history. In addition, my cell phone and landline was a bundled option, so both were billed together in the same monthly bill. THe att land line info never showed up on my cell phone invoices. The Credit Service is contacting me daily at least 2 x / day to resolve this.

ATT: DISPUTES 2 CREDIT BAY AREA
ATTN: BAY AREA CREDIT SERVICES LLC.

Fradulent Bill for services never ordered or recieved.
Bay Area Credit Services LLC.
1901 W. 10th St.
Antioch, CA 94509

Creditor: AT&T - Legacy B
Past Due Balance: $117.43
I just opened this bill that I recieved in the mail from Bay Area Credit LLC. It says that I have an amount due to AT&T in the amount of $117.43. I have never had service with AT&T. I am reporting this because I see other complaints. I am being referred to the fraudlent claims department of AT&T. I dispute this claim of money owed to AT&T through Bay Area Credit Services LLC.

February 28, 2012

To whom it may concern:
I Marilyn Martinez residing at 4121 Connel Lane, Orlando, Fl 32822, received a notification from: Bay Area Credit Service LLC. 1901 W. 10th St, Antioch, Ca, 94509, In the attempt to collect a Debt #[protected] (Client Acct #[protected]). I certify that AT & T did make an error with my account and I owe NO MONIES to AT & T.
On September of 2011 I opened a U-verse Account #[protected]-5 with AT & T. Due to an error on their part, AT & T was charging me (2) two different accounts, one for a dial up connection #[protected] and the other for a U-verse Account #[protected]-5 at the same time. I called At & T and as a result they credited my U-verse account the monies that was over charged on the dial up connection from Acct # [protected]. My U-verse account with AT & T is all paid up to date and in good standings. I request that a further investigation be conducted to clear up any misunderstandings. Thanking you in advance for your help in this matter.

Sincerely,
Marilyn Martinez

I have been receiving late night phone calls from B.A.C. harrassing me about an AT&T phone bill. #1 It is about a first bill on new home telephone service #2 I received a bill in mail on Feb. 9, 2012 which had a due date of Feb. 27, 2012 #3 I started getting calls from B.A.C on Feb. 11, 2012 so I paid my bill the very next morning Feb.12, 2012! #4 I still got calls from B.A.C. NOW telling me my phone service was not only "past due" but was now disconnected! These people should not have the right to ruin my credit for a bill barely receved in mail and not even yet due. If this was actually from AT&T I would like to know who "jumped the gun" and if it wasn't from B.A.C. and was a fraud just trying to get my bank info I would like to know this as well. The individual who calls is Amy Williams at [protected] (the first time ) at 8:14 pm on Saturday Feb. 11th, 2012. Please help me clear this up.

Two of my aunts and my father all received calls from this company. The person they spoke with claimed to be calling from the federal government concerning charges of wire fraud and check forgery, trying to find me. After calling the Department of Justice, the Attorney General, and my local police department thinking someone had stolen my identity or even that someone was maliciously attacking me, I finally got the 800 number and spoke with a representative who explained I had a debt owed to AT&T from several months before. I was so pissed off. And what made it worse, was I had a current account with AT&T and somehow they couldn't find me! After calling and complaining to AT&T they did nothing. And the officer I spoke with says the debt collection agencies are protected under law and there was nothing I could do. It's insane. I can't find a single bill from AT&T or this company about my bill, and I only moved 3 months ago. You would think that AT&T would have forwarded my information.

I suffered an on the job injury in Jan. 2009 and several serious health problems came about while I was in the process of treatment. I have been totally disabled since the injury.
My problem with this collection company can as the result of a fall where I broke my hip. The ambulance ride was the only way I could get to a hospital. I was called by the ambulance company several months after their service and attempted to get them to bill my insurance company correctly, they had used the wrong code so my ins. refused to pay. I thought it had been paid. About 1 year ago I started getting calls from a man who could barely speak English. He was very hard to understand at all. He asked if I was me. I said yes and asked what he wanted. He kept asking my name over and over and over. I finally became very mad and hung up. He called again, same procedure. I demanded his name and company he would not answer me. I asked for his supervisor he refused. I hung up. Then about every two hours the phone would ring, no answer when I picked up. This went on for weeks. Every time he has called it has been the same thing. He asks my name over and over and i end up getting mad and hanging up. Only one time did he ever tell me why he was calling and that was to say he was calling to collect on an ambulance bill. However he never told me who, what I owed, the amount nothing. This has happened over 2 dozen times. Unfortunately I haven't kept a log of these calls. I have been and on bad days I am still a very sick man. I have Ruptured disc in my neck, Myasthenia Gravis which keeps me on high doses of meds. Pain pills, nausea meds, I can't walk very well because of the hip problems. All this makes me so mad I can't deal with it.
This guy called Mon. I couldn't get passed the name asking game. I broke in on his droning and demanded to speak with his supervisor, which I had done before or do not call me again. He said hold and after 3 minutes I hung up.I got 3 call and hang up after he called the first time yesterday. He called back today and I couldn't get past the name game again.( I told him on Tues. not to call me again) I blew up and demanded over and over his name, his company name, address and his supervisors name. After 10 minutes of yelling, screaming and demanding and his refusal to give me anything, I finally got the info I asked for. He would not say his supervisors name, but I kept demanding it and unfortunately I used some language I usually don't use. (I don't suggest you use profanity, I did and I regret that. But I was so mad I couldn't help it.) I demanded he let me speak to his supervisor and he reluctantly finally connected me. The name game began again. I told him I have told you I am the party you are calling over and over and you are so stupid you can't listen. Now, tell me who you are calling for, how much i owe and do not call me again. He tried to argue with me, but I would not let him I kept demanding the information I wanted. I read the Fair debt collection rules to him twice and let him know I was tired of their violations. He started trying to apologize then but I wouldn't hear it. I finally told him not to call me again, that I would contact the Ambulance company IF I received the bill I requested. If not I won't pay your company anything. ( I do not pay anything on line or over the phone at all. (They have a bad habit of loosing the payment and they can drain you bank acct. if you ever give them the debit card info.)
This company is the worst example of a collection company I have ever dealt with. I'm not sure I even owe this company any money since my insurance should have paid it all. I have anger issues because of my illness and the medication I have to take, but their tactics are totally against the law. Look up the Federal Fair debt collection laws on line and for your state too. I wish I had dealt with this sooner and better. I should have sued them long ago. If they continue I will sue them. In Alabama where I live I can collect up to $1000 for damages, plus attorneys fees because of their conduct. Plus I could not have to pay the original bill.
I survive on $1266 a month so there is no money to pay big bills . If they had been reasonable this would have been resolved long ago by my paying a few dollars each month. Now, I don't know if I will pay them anything at all. I am still furious about their tactics.
We have the obligation and duty to pay out debts. I have always paid what I owed, maybe slowly, but I pay. I also have the right to be billed correctly, talked to courteously, treated fairly and given the information required by law. Thanks for allowing me to put my two cents worth of horror in writing. My Best to all who deal with these idiots.

Boy am I glad my boyfriend and I decided to search the web as we were talking to the people who called us from Bay Area Credit Service! Although they have a "legitimate" website, when you search them on Google the 5th word that pops up next to them is SCAM. With this in mind, let me explain what happened... My boyfriend's mom received a phone call from [protected] asking for him, and so she told him that he would call them back since we live in our own apartment. Upon calling, the man that answered said that my boyfriend did not pay the final bill from our AT&T internet service last year (12/09), and it had been sent to their collections agency. When I initially heard this (he had his cell on speakerphone), I was kind of confused because that was close to a year ago and we had not received any phone calls/mail regarding this outstanding bill; although we had moved, we changed our address on everything and had canceled AT&T to get a new internet service. Not sure if we had paid this closing fee, we asked for the account number and he ignored the question, automatically moving to how we could go about paying this. He gave us two options: Paying the $186 right then, or not only paying the full fee but accruing interest on the amount until we did so. Being a bit apprehensive, and the bargainer my boyfriend is, he said he would pay $50 at the most because the could not provide all of the information he was asking for (account number being the most important). They declined his $50, but said they would settle for $101. At this point, the word scam started going off in my head. I got on my laptop and that is when I searched Bay Area Credit Service and SCAM popped up right next to it. I found this website and similar experiences came up. Although some were about ambulances, their "website" says they also do medical billing. My boyfriend then said he would like a statement sent to him before he paid anything, afraid of being "scammed", and the man on the phone got rather angry, almost yelling at some points asking "Why do you need a paper statement? I just told you what you need to pay!" Finally my boyfriend told them he would call back and hung up. We immediately called AT&T, got ahold of their financial services, and asked about this incident. It did turn out that we had a bill with them, but the number to call this company was completely different. We ended up paying our bill with AT&T THROUGH AT&T, not having to worry about some random agency having our credit card information. At this point I started to feel kind of bad, thinking we were wrong, but I knew my gut instinct had to be right. Especially with all of the other experiences I found similar online. After looking around their "website" some more, I noticed the copyright at the bottom said [protected], while their Privacy Policy was enacted Dec 13, 2007, voiding all previous privacy policies and giving them the ability to change these policies at any time without warning. I don't know much about the legalities of this, but to me it seems like AT&T may be getting scammed as well. This could have initially been a valid company, but was taken over or turned into a scam agency. Having AT&T give them bills to collect like my boyfriends may add to their "legitimacy", while giving them the opportunity to create false ones. Just my opinion. Hope this story (or what turned into a rather long essay) helps any of you who receive a call from [protected], to be cautious.

i keep getting phone call fron this company, claming i owe the hospital 756.00 dollar for brgin in the hospital. on days i don't recall ever going to without my insurance. they call my job too many times. which i know is agaisnt the law. they person on the phone is very rude and unprofessional. i don't understand home these people even have a job.

Agreed, they are a POS that has branched out to collecting from anyone that was put down as a reference on everything from Ambulance Rides to T-Mobile phones. I will contact legal in the morning. They have separate corporations in California, Alabama and Michigan now. Look to your morning papers, if a class action would be fun, I will participate. Otherwise, get together and try one. I spent 45 minutes on the phone to find out that it was an old girlfriends bill, I was just a reference not a guarantor. They still didn't give me the phone number for legal. I'll have it in the morning. I've got court for the next 2 and a half weeks. I'll jump on it when I'm done with this one. Make sure you quote the Fair Credit Reporting Act and the Fair Debt Collection Practices Act whenever you speak with a collections agent. Also, note the time of the call and if their caller ID was spoofed, itself a violation of the collections act. I suggest you all read it http://www.ftc.gov/os/statutes/fdcpajump.shtm

Well this started with me being hired in my second job and on the way home i was jumped and mugged by a couple of gang members and some how or another i was in the hospital. Well at the time i had a "headace" which after futher resrearch i found out it was a much more serious than that but any who.
When every thing was said and done i got the hospital bill which i was waiting for but never heard from them at all that it untill i moved to my new place, thats when i got a letter that was sent to my dad's place which he had given to me later that week, it was from bay area credit for the bill that i owed to thew hospital but with the collection fee of addional 200. 00 plus tacked on.
I called them and asked why had i not ever resived a bill from the hospital while the bill was under there service? The rep on the line then told me they have been sending out noifations. . . But to the wrong address! Like i said that "headace" i was saying about. . . It was a concustion! And for some reason instead of asking my relitives of my place of residents they asked me, and i apperently gave them a address but it was a combination of my two billing addresses i was moving out to and from! So how was suppost t o know they had been sending me out noifcation's? Anyways long story short after some years of refusing to pay i came othte concustion that i should pay it small portiona if that but three months after contacting them resently to take care of the bill i resive a notifaction that i owe aonther bill for almost the same amt that the origenal amt was for. So at this point i was confused and so i called them to ask what going on? Well the frist two reps were not helpful in anwsering me my questions and interupted me and hugh up telling me to call form one dept to another and the last rep could not transfer me tothe dept he told me to contact and he gave me a number to call i adv to transfer me but he had hung up.
Seconds later after finding out i was hugn up on for the third time i desided to call the dept he instruted for me to call but heres the catch. . . The dept was closed! The duration of this was a hour. . . A hour and i got no ware. . . So my complaint here is there lowsey collection service. Im in a collection dept my self of at&t but we have standards and were suppostot have knowleage of whatthe customer is asking. Here i was just asking if this was two or one account and i dont think espellaily owe two accounts and i since i was not told of this other account i should not be paying for it and there fore should be entirly removed.