Business Profile

Collections Agencies

Bay Area Credit Service LLC

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

47 total complaints in the last 3 years.
20 complaints closed in the last 12 months.

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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.

Initial Complaint
Date:07/01/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
This collection is fraudulent. This is a debt from an ambulance ride that I took following a NOT AT FAULT accident. Everything was charged to an insurance claim, I provided them with the claim number to get the payment. They did not bill the claim at any point. I have called, emailed, submitted many disputes, and no response at all. This is my last ditch effort to get them to do the right thing prior to seeking legal counsel to resolve this matter. It is has damaging my credit for years and I am done with it.
Business Response
Date: 07/09/2025
Hello Mr. ******************** you for contacting Bay Area Credit service regarding your account. We have thoroughly reviewed your account details, which was assigned to us by our client American Medical Response on 03/19/2021 for the services rendered on 11/23/2020.
Our notes show that notifications regarding this account were sent to you on 03/20/2021 & 05/24/2021 and settlement letters were sent on 09/16/2021 &03/20/2022 to the address ***************************-, EUGENE OR 97401 which we have on file and no mail return was received in response.
As you mentioned that everything was charged to your insurance claim, you provided them with the claim number to get the payment.
Please be advised that they did not bill the claim at any point.

Your claim was submitted to Providence Health Plan on 11/30/2020.
The claim was processed on 12/04/2020.
Allowed Amount: $1,353.97
Claim Number: 203364605400
No payment was issued by the insurance, as the allowed amount was applied toward the patient's deductible.

We have requested for the *** signature page from our client and will mail it to you along with the the copy of itemized statement to the address which we have on file as soon as it becomes available. This document typically indicates whether any insurance or related information was shared at the time of service.
We have reviewed your account & in response to your dispute claiming that this debt with American Medical Response is fraudulent , we have placed the account in a disputed status.
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 that the collection is fraudulent,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.

If you have any further disputes or concerns, you may contact us by phone, email or submit your dispute along with any supporting documentation through our website *****************************************************
Upon receipt, we will promptly initiate an investigation and work to resolve the matter. Please be assured that the account will remain in a disputed status with Bay Area Credit Services and the credit reporting agencies, until the issue is fully resolved.
Alternatively, if after reviewing the documentation, you determine that the debt may be valid and wish to resolve the balance, we encourage you to contact us. One of our collection specialists will be happy to assist you. Payments can also be made by mail to P.O. **************************** or online 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
***********************************************
Customer Answer
Date: 07/09/2025

Complaint: 23543168

I am rejecting this response because:
this is the point that I am trying to make. You guys billed MY providence health insurance. I was in a 7 car pile up where I was the wrecking ball. I received a settlement, the persons insurance who he hit me is the claim that paid everything. NOT my insurance.
I will be as detailed as possible explaining the series of events.
I was in the accident, I exited my car after gaining consciousness and was fine. Your ambulance was there and advised me to take a ride and go to the hospital to make sure I did not have any internal injuries, clean up my face, and address any injuries that could have been masked by the adrenaline. Which was 100% the right decision and advice.
where the problems arise, I was fine, the paramedics asked if I wanted a ride and I said verbatim, will I get charged for this? They responded, look at your car, you wont have to pay for anything. and in a nonchalant manner.
so I got into the ambulance and we went to the hospital and thank god I was okay.
The following days the insurance guys called me and said here is a claim number and advised me to send the claim number to everyone who sent me bills.
American medical response sent a bill to me like all of the others, and in response I called them and provided the claim number like I did with everyone else. Instead of billing the claim number they sent me to collections.
That is where the problem arises, this collection and everything following should not exist. Again, I cannot stress this enough. Its been years and my credit is still damaged after reaching out to fix this time and time again.
I fully understand where you are coming from, Im just asking you to try and understand where I am coming from. That day was the scariest and worst day of my life and this **** collection that should not exist is still following me. I want this gone. The accident was not my fault, some idiot decided to hit me at 65mph while I was not moving, the existence of this collection was not my fault. I did everything that I needed to do, but someone else made a mistake and did not bill it. Which is fine, accidents happen. I totally understand, I have no bad blood or ill will for it happening. The problem that I have is that $1,300 is a reminder of the worst day of my life is being held hostage over me out of nothing but greed. While hurting my credit for years.
This is approaching 5 years of this now, I have tried literally everything that I can think of to do. If this does not resolve the issue I will happily use that $1,300 to seek legal counsel to get rid of this, negligence, damages, etc. or just wait the 2 years for it to drop off.
I truly do appreciate the detailed response and putting effort into this very much, no one else has in every other inquiry. I am not trying to sound like an A**** or anything like that, this situation has just pushed me to this point. I hope you understand where I am coming from, and again I appreciate the response and thoroughness looking into this. I truly hope we can find a resolution to this.
Here are the correct claim numbers:
7002209941-1
5010017966-1
Sincerely,

**** *******
Business Response
Date: 07/15/2025
Hello Mr. ******************* receipt of your concern we reviewed your file assigned to us by our client American Medical Response on 03/19/2021 for the services rendered on 11/23/2020.
In your claim you stated that we are a fraudulent organization, if you have specific evidence to support your claim, we kindly ask that you share that with us, so we can conduct a thorough investigation.
Based on your complaint, we have chosen to place your account in a Cease and Desist status. You will not receive any further calls or written communication from Bay Area Credit Service regarding this account.Please be aware this does not mean the account is closed, this simply means that Bay Area Credit Service will no longer pursue collection activities either verbally or in writing in regards to this matter.
We are pleased to confirm that deletion requests have already been submitted to the credit reporting agencies on 07-11-2025 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.
Should you decide at a future date that you wish to resolve this debt, please contact us using the toll free number below. You may also make a direct payment on our website which is *****************************************************************

We strive to provide professional and courteous service and we apologize for any undue inconvenience you have experienced thus far.
We now consider this complaint resolved. 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 #: ************ or Email us at ***************************************************************************
Sincerely,
***** *****
HOVG, LLC dba Bay Area Credit Service
***********************************************
Initial Complaint
Date:06/18/2025
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
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 the **********************. I do not have a contract with the Bay Area Credit Service they did not provide me with the original contract as I requested.
Business Response
Date: 06/20/2025
Hello Ms. ********************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by ********************** on 12-19-2024 for the date of service 07-26-2023.

Our records indicate that notification regarding your account was sent to you on 01-02-2025 & 04-02-2025 at the following address: *********** PHILA PA 19120 which we have on file 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 we have on file.

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 or you can also submit the details on our website *****************************************************

Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
A copy of a police report filed with your local police department
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.

Should you decide at a future date that you wish to resolve this debt, please contact us using the toll free number below. You may also make a direct payment on our website which is:
*****************************************************************

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: 06/20/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is NOT satisfactory to me.
Once again I am not aware of this debt and I dont believe it to be mine. Im still requesting validation and verification proving this is my debt. I never lived at address ********************************************** also that address is included in my FTC report which is in dispute that I already sent to you. Ill submit my proof of address again and FTC With affidavit of truth.
please remove this unverified account from my ********************** report or I will be force to take legal actions.
Sincerely,
****** *********
Initial Complaint
Date:06/13/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
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 BAY AREA CREDIT SERV, they did not provide me with the original contract as requested
Business Response
Date: 06/18/2025
Hello Mr. ***************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by ********************** on 12-19-2024 for the date of service 06-01-2023.

Our records indicate that notification regarding your account was sent to you on 01-02-2025 & 04-02-2025 at the following address: **********************************************;19132 which we have on file 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 we have on file.
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 or you can also submit the details on our website *****************************************************

Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
A copy of a police report filed with your local police department
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.

Should you decide at a future date that you wish to resolve this debt, please contact us using the toll free number below. You may also make a direct payment on our website which is:
*****************************************************************

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: 06/18/2025

Complaint: 23467642

I am rejecting this response because:

Sincerely,

Tafarri
I DO NOT HAVE A CONTRACT WITH BAY AREA CREDIT SERV, AND I AM NOT LIABLE FOR THIS DEBT WITH BAY AREA CREDIT.I HAVE NO AGREEMENTS TO PAY BACK ANY DEBTS WITH BAY AREA CREDIT.I WOULD LIKE THIS REMOVED FROM MY ACCOUNT . OR SHOWN AS PAYED . THANK YOU
Business Response
Date: 06/27/2025
Hello Mr.****,
Upon receipt of your concern we reviewed your file assigned to us by ********************** on 12-19-2024 for the date of service 06-01-2023.
We acknowledge that you do not have a contract with Bay Area Credit Service,however ********************** has assigned this account to us for collection purposes and per our agreement with ********************** the account was reported to the credit bureaus after we sent notification to you on 01-02-2025 & 04-02-2025 at your last known address: **********************************************;19132 which we have on file and no mail return was received in response with the legally required verbiage notifying you of a possible negative credit report (As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation).
If you intent to refuse to pay the debt, we can place the account in a cease and desist status and notify *** of the refusal to pay.
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 or you can also submit the details on our website *****************************************************

Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
A copy of a police report filed with your local police department
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.

Should you decide at a future date that you wish to resolve this debt, please contact us using the toll free number below. You may also make a direct payment on our website which is:
*****************************************************************

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: 06/27/2025

Complaint: 23467642

I am rejecting this response because:

Sincerely,

Tafarri ****
Initial Complaint
Date:06/05/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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.
This Bay Area collection service is a collection company that is defrauding people. Theyre saying that they purchased the collections from a company and they are notthe actual people that are purchasing these collections and are getting people to pay them money and harassing them. I did get an attorney and they out that this company was in fact, not the company that purchased the collection And they have reported on my credit. So not only are they intimidating people, but they are ruining their lives by putting something on their credit.
Business Response
Date: 06/11/2025
Hello Ms. ****************** you for contacting Bay Area Credit service regarding your account. We have thoroughly reviewed your account details, which was assigned to us by our client American Medical Response on 10/25/2024 for the services rendered on 10/13/2023.
Our records indicate that we sent notifications regarding your account to the following addresses: **************************, GA 30294, ************* on 10/26/2024 and 12/30/2024. ID Theft letter was also sent on 03/07/2025,We did not receive any returned mail.
You have mentioned that you are represented by an attorney, we are required to cease all communication with you and direct it to your attorney. We have taken the appropriate actions and contacted your attorney regarding this account.

Please be advised that this response is being provided solely for the purpose of responding to your BBB complaint and should not be interpreted as continued direct communication regarding this account.

We understand that youve expressed concern and stated that this account has been sold to a third-party collection agency. Please be advised that this account has not been sold to our agency or to any other third party. It remains the property of American Medical Response and our role is strictly limited to handling the account on their behalf. If you or a law firm representing you would like to verify this independently, you are welcome to contact American Medical Response directly.

We are pleased to confirm that deletion requests have already been submitted to the credit reporting agencies on 06/06/2025. Please allow 10 to ***************************************************** your credit file.

We strive to provide professional and courteous service and sincerely apologize for any inconvenience this may have caused, if you need any additional information or have further questions regarding our response, please direct all inquiries through your attorney, who may contact our office at **************. They may also reach us via email or through our Website: *****************************************************
BACS Customer ********************** Toll Free #:************
Sincerely,
***** *****
HOVG, LLC dba Bay Area Credit Service
***********************************************
Initial Complaint
Date:06/03/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
To Whom It May Concern,I am writing in regard to a recent copy of my credit report issued by your company. Upon review, I have identified several items that appear to be inaccurate. The accounts in question are listed below for your reference:BAY AREA CS - ********* - $3,217 In accordance with the Fair Credit Reporting Act (15 U.S.C. 1681g), I am requesting that you provide copies of all documents currently in your files that were used to verify the accuracy of these accounts. This request pertains specifically to the materials that existed in your records at the time of this inquiry.Please do not respond with a general statement that these accounts have been verified. Instead, I am asking for actual documentationsuch as signed contracts or records from the furnishersthat support the continued reporting of these items.If you are unable to provide such documentation, I request that these accounts be removed from my credit file immediately, as required by Section 611(a)(5)(A)(i) of the ***** Reporting and sharing inaccurate or unverified information with third parties may cause ongoing harm to my reputation and credit standing.Thank you for your prompt attention to this matter. I look forward to your response.
Business Response
Date: 06/05/2025
Hello Mr. ****************** you for contacting us, regarding the dispute for the above-referenced account.We have thoroughly reviewed the details of your file, which was assigned to us by our client -Philadelphia Gas Works on 08-23-2023, for services provided on 05-17-2022
Regarding your concerns about inaccurate credit reporting, we want to clarify that the account in question was reported to the credit bureaus in compliance with both the ***** and ****. We sent notifications to the address you provided (*******************************************) on 08/30/2023 and 11/28/2023. We did not receive any returned mail. Both notifications included the required credit reporting language: "As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation, along with your right to dispute the debt.
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 you provided in the complaint correspondence via regular mail.

Regarding your request for additional verification, including the original application,contract, note or other instrument bearing your signature, as well as any contract signed between the debt collector and the original creditor, notarized and sworn under penalty of perjury granting the debt collector the ability to collect this alleged debt, we must clarify that there is no legal obligation to provide such documents. In fact, court rulings and the ************************ have determined that there is no duty to comply with such excessive verification demands. However, in an effort to assist, we will be sending you the itemized statement provided by our client, which will confirm the charges and validate the debt.

Regarding your requested resolution to have this account deleted from all three credit reporting agencies, we would like to clarify that, in addition to the previously mentioned notifications, we sent an identity theft response request letter on 01/08/2025 to the address you provided, following the E-Oscar dispute indication received on 01/07/2025, which suggested possible identity theft.

We are currently awaiting the following documents from you:
1) A copy of your filed FTC Identity Theft Report which is available at ******************************
2) A copy of the police report filed with your local police department.
We must have a copy of both documents to finalize the investigation
Please note that both documents are required if you are claiming fraud. We will notify you of the results of our investigation within 30 days of receiving the requested documents. Once both reports are received and verified, we will submit a deletion request to the credit reporting agencies.

Should you have any further concerns or disputes after reviewing the itemized statement provided by our client, 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 (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 any other relevant documentation that supports your claim and proves that you are not liable for the debt.

However,if you believe the dispute has been resolved following the verification of the debt provided by our client and wish to settle the balance, one of our collection specialists will be happy to assist you. Payments can be made by mail to P.O. ***************************** or through our website listed above.

We strive to provide professional and courteous service and sincerely apologize for any inconvenience you may have experienced. If you need any additional information or have further questions regarding our response, please feel free to contact our office at ************** BACS Customer ********************** Toll Free #: ************.

Sincerely,
***** *****
HOVG,LLC dba Bay Area Credit Service
***********************************************
Initial Complaint
Date:05/05/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
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 have no prior knowledge of this collection nor do I have a bonding contract with this *** y trying to collect and its effecting my consumer report and me getting a home Removal from credit report
Business Response
Date: 05/09/2025
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 02-04-2025 for the date of service 10-26-2023.
Our records indicate that notification regarding your account was sent to you on 02-05-2025 & 05-06-2025 at the following address: **************************************;19111 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 we have on file.

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:
Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
A copy of a police report filed with your local police department
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,
***** *****
******** dba Bay Area Credit Service
***********************************************
Initial Complaint
Date:04/30/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
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 the collection agency trying to collect debt. They did not provide me with the original contract as I requested.
Business Response
Date: 05/05/2025
Hello Mr. ****************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by ********************** on 12-18-2024 for the date of service 01-14-2023.

Our records indicate that notification regarding your account was sent to you on 12-19-2024 & 03-19-2025 at the following address: *************************************** PHILA PA 19151 which we have on file 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 we have on file.
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:
Please provide a copy of your filed FTC Identity Theft Report which can be filed at : ******************************
A copy of a police report filed with your local police department
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 Please be advised that we have completed a one time courtesy deletion from your credit report.Please note that this may take up to 30 days to be updated on your credit report and this is beyond our control.

Should you decide at a future date that you wish to resolve this debt, please contact us using the toll free number below. You may also make a direct payment on our website which is *****************************************************************

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:04/22/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
To Whom It May Concern,This is a follow-up to my previous certified letter dated 02/27/2025 regarding a debt allegedly assigned to Bay Area Credit Service by American Medical Response (AMR). As of today, I have not received any response or documentation validating this debt.Under the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. 1692g, I formally dispute this debt and request full validation. You are required by law to provide proper documentation confirming the debt is valid, that it belongs to me, and that your agency has the legal right to collect and report it. This includes an itemized bill, the date of service, and any signed agreements.Until you provide proper validation, you must cease all collection efforts and reporting to credit bureaus. Failure to respond within 30 days of my original request is a direct violation of the ****** I also remind you that using or reporting my personal information without consent violates 15 U.S.C. 1681b(2) and 1681(4).If I continue to receive no response, I will file formal complaints with the ************************************ (****), the ************************ (***), and my State Attorney Generals office.I expect a timely and lawful resolution of this matter.Sincerely,******** *****
Business Response
Date: 04/28/2025
Hello Ms. ****************** you for contacting Bay Area Credit service regarding your dispute of the above-referenced account.We have thoroughly reviewed your account details, which was assigned to us by our client American Medical Response on 03/29/2024 for the services rendered on 11/25/2023.
Our records indicate that we sent notifications regarding your account to the following addresses: ***********************************************************************, ************* on 03/30/2024 and 06/03/2024.We did not receive any returned mail.
We would like to clarify that, following the initial dispute indication received via E-Oscar, your account has been marked as disputed since 02/13/2025 and reported as such to the credit reporting agencies since 02/14/2025.
We understand your concerns regarding the reporting of your account and your formal request for verification. Please be advised that the reporting of this debt was done in compliance with both the **** and FDCPA and all required notices and disclosures were made to you in accordance with the law. Our notification dated 06/03/2024 included the required legal language As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Additionally both the aforementioned notifications included your right to dispute the debt.
Please note that under the ****, a collection agency is authorized to report accurate and verified information to credit reporting agencies as part of its regular business operations. Your debt was reported to the credit reporting agencies after following all required protocols.
However, given your claim that you owe no debt, we cannot rule out the possibility of mistaken identity or identity theft. If you believe you did not use the services and suspect this may a case of mistaken identity, we kindly request that you provide a copy of your drivers license and social security card for further investigation. During the investigation, if either your date of birth or the last 4 digit of SSN do not match our records, we will treat it as a case of mistaken identity. If the information matches, we will rule out mistaken identity.
Alternatively, if you believe this is a case of identity theft, we request that you provide the following documentation:
              A copy of your filed FTC Identity Theft Report which can be filed at: ******************************
              A copy of a police report filed with your local police department
Please be advised that we require both documents to finalize the identity theft investigation. Upon documents verification, if it is confirmed that you are not liable for the debt, we will mark the account as a verified fraud case, close the account with no further liability and submit a deletion request to the credit reporting agencies. Please allow 7 to 10 business days for the credit reporting agencies to reflect the deletion.
In response to your request for validation, we have emailed an itemized statement obtained from our client American Medical Response on 04/23/2025, for your reference. We would like to inform you that we have also requested the *** signature page and will send it to you via email as a password protected pdf, as soon as we receive it from the client.
Regarding your request for additional verification, including proof that our company has the legal right to collect or report this debt, please note that there is no legal requirement to provide such information. In fact, court cases and the ************************ have found there is no legal obligation to comply with such excessive verification demands. In an effort to assist, we are providing the itemized statement and *** signature page from the client, which will validate the debt and confirm the charges.
Given your claim that you owe no debt, we believe this may be a case of mistaken identity or identity theft. However, if you do not believe this is the case and have any other disputes, please feel free to contact us via phone, email or submit your dispute online through our website, along with the supporting documentation.Once we receive the supporting documentation, we will promptly investigate and work to resolve the issue. Please be assured that account will remain disputed with Bay Area Credit Services and the credit reporting agencies, until the issue is fully resolved.
Alternatively, after reviewing the provided documentation, if upon reflection, you feel that the debt may indeed be yours and wish to settle the balance, we encourage you to contact us. One of our collection specialists will be happy to assist you.Payments can also be made by mail to P.O. ***************************** or online through our website at *****************************************************************
We strive to provide professional and courteous service and sincerely apologize for any inconvenience you may have experienced. If you need any additional information or have further questions regarding our response, please feel free to contact our office at **************. You may also reach us via email or through our website listed above.
BACS Customer ********************** Toll Free #: ************
Sincerely,
***** *****
HOVG, LLC dba Bay Area Credit Service
***********************************************
Customer Answer
Date: 05/21/2025
Bay Area Credit Service claims to be collecting on a debt that I have no memory of incurring, and I do not recognize the account, ********************** date, or the client (American Medical Response). Given this, I would like to formally proceed under the assumption that this may be a case of mistaken identity.
To assist with your investigation, I am willing to submit documentation for verification purposes. Please advise where and how I should securely submit the following:
A copy of my drivers license
A copy of my Social Security card (to compare the last 4 digits)
If this information does not match the details on file with Bay Area Credit Service, I expect the debt to be removed and all credit reporting activity to be corrected accordingly.

Business Response
Date: 05/23/2025
Hello Ms. ***************** receipt of your concern we have thoroughly reviewed the details of your file again, which was assigned to us by our client American Medical Response on 03/29/2024 for the services rendered on 11/25/2023.
In response to your request for verification and questions about the reporting of your account, our records indicate that notifications were sent to the following address: ********************************************************************************************************* on 03/30/2024 and 06/03/2024. No returned mail or disputes were received in response to these notifications.
Given your claim that the debt is not yours, we acknowledge the possibility of mistaken identity or identity theft. As noted in our previous responses, If you believe you did not use the services in question and suspect this may be a case of mistaken identity, we kindly request that you provide a copy of your drivers license to verify your Date of Birth and Social Security card to verify the last 4 digits of your Social Security Number. You can send the documents on ***************************************************************************

If the date of birth on your drivers license and the last 4 digits of your Social Security Number on your Social Security card do not match our records, we will treat it as a case of mistaken identity. If the information does match, we will rule out mistaken identity.
Alternatively, if you believe this is a case of identity theft, we request that you provide the following documentation:

A copy of your filed FTC Identity Theft Report which can be filed at: ******************************
A copy of a police report filed with your local police department
Please be advised that we require both documents to finalize the identity theft investigation. Upon documents verification, if it is confirmed that you are not liable for the debt, we will mark the account as a verified fraud case, close the account with no further liability. Additionally, we will immediately submit a deletion request to the credit reporting agencies. Once the request has been submitted, Please allow the credit reporting agencies 7 to 10 business to update their records and reflect the deletion.
In response to your request for validation, we sent an itemized statement along with our response to the email address you provided, on 04/23/2025. A copy of the itemized statement was also mailed to the address you provided on 05/06/2025. Additionally, we are awaiting the *** signature page from our client, which was previously requested and will forward it to you as a password protected pdf via email as soon as it becomes available. This document typically indicates whether any insurance or related information was shared at the time of service.
If you have any further disputes or concerns, you may contact us by phone, email or submit your dispute along with any supporting documentation through our website. Upon receipt, we will promptly initiate an investigation and work to resolve the matter. Please be assured that the account will remain in a disputed status with Bay Area Credit Services and the credit reporting agencies, until the issue is fully resolved.
Alternatively, if after reviewing the documentation, you determine that the debt may be valid and wish to resolve the balance, we encourage you to contact us. One of our collection specialists will be happy to assist you.Payments can also be made by mail to P.O. ***************************** or online through our website at ***********************************************************;
We strive to provide professional and courteous service and sincerely apologize for any inconvenience you may have experienced. If you need any additional information or have further questions regarding our response, please feel free to contact our office at **************. You may also reach us via email or through our website listed above.
Sincerely,
***** *****
****, LLC dba Bay Area Credit Service
***********************************************
Initial Complaint
Date:04/11/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
To whom it may concern,There is a fraudulent debt collection agency called Bay Area Credit Service supposedly based out of *******, ******* that has been sending me bills for the past several years. These bills are sometimes over $2000 and have been affecting my credit score. They claim they are unpaid ambulance bills handed off to this fake debt collector from American Medical Response or AMR. It has caused me and my family a great deal of stress and fighting. I called them today to pay the debt which I cannot afford as I was hoping for a payment plan and when the representative picked up he had a thick Indian accent and demanded that I pay an outstanding debt of $3822.83. I gave him my address before realizing it might be a scam and immediately called my previous insurance providers. (The debt is supposedly several unpaid ambulance bills which would have been covered by my insurance at the time) My ex insurance provider then called the debt collector and realized it was a scam, he then patched me through to my secondary insurance provider who said they would investigate this matter. I should receive a letter from ************** insurance regarding this fraudulent activity within 30 days. For your information the representative at Bay Area Credit Service claimed his LLC was certified by you The Better Business Bureau which I read online is completely false. My family and I are extremely upset as I have not been able to build any credit due to these bills we receive from this fake debt collector. Their information is Bay Area Credit Service, address P.O. ********************************** and their phone number is ************. I would really appreciate it if you could investigate this or hand this off to the authorities which I will probably end up doing myself as well. I will include pictures of one of the bills I was sent. Thank you for hearing me out.
Business Response
Date: 04/22/2025
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 11-18-2022 for the date of service 05-26-2022.
The principal amount assigned was $1383.07 and the balance due as of now is $1582.91.
Our notes show that notifications regarding this account were sent to you on 11-19-2022 &01-23-2023 and a settlement letter was sent on 05-18-2023, 11-19-2023, 02-20-2024 & 03-04-2025 to the address provided in the complaint correspondence and no mail return was received in response.
As per your claim that insurance would have covered this bill at that time, your claim was billed to KEYSTONE FIRST COMMUNITY HEALTH insurance and it was denied for primary insurance EOB, American Medical Response had no other Insurance information that could have been billed.
In your claim you stated that we are a fraudulent organization, if you have specific evidence to support your claim, we kindly ask that you share that with us, so we can conduct a thorough investigation.
Based on your complaint, we have chosen to place your account in a Cease and Desist status. You will not receive any further calls or written communication from Bay Area Credit Service regarding this account. Please be aware this does not mean the account is closed, this simply means that Bay Area Credit Service will no longer peruse collection activities either verbally or in writing in regards to this matter.
With reference to your desired resolution of removing and blocking this debt from credit reporting, Please be advised that we have completed a one time courtesy deletion from your credit report. Please note that this may take up to 30 days to be updated on your credit report and this is beyond our control.

Should you decide at a future date that you wish to resolve this debt, please contact us using the toll free number below. You may also make a direct payment on our website which is *****************************************************************

We strive to provide professional and courteous service and we apologize for any undue inconvenience you have experienced thus far.
We now consider this complaint resolved. 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 #: ************ or Email us at ***************************************************************************
Sincerely,
***** *****
HOVG, LLC dba Bay Area Credit Service
***********************************************
Initial Complaint
Date:04/05/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
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 the collection agency. They did not provide me with the original contract as requested.
Business Response
Date: 04/10/2025
Hello Ms. ******************** you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by American Medical Response on 07-31-2024 for the date of service 01-28-2024.
Our notes show that notifications regarding this account were sent to you on 08-01-2024 &10-05-2024 and a settlement letter was sent on 01-28-2025 to the address ************************************************************;GA 30328 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
***********************************************

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