ComplaintsforBay Area Credit Service LLC

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Initial Complaint
11/06/2024
Complaint Type:
Delivery Issues
Status:
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.
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
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
08/25/2024
Complaint Type:
Order Issues
Status:
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.
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
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
08/11/2024
Complaint Type:
Service or Repair Issues
Status:
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.
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
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 response
08/14/2024

Complaint: 22125182
08/30/1996
353017xxx

Sincerely,

*************************
Business response
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 response
08/19/2024

Complaint: ********

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

Sincerely,

*************************
Business response
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 response
08/20/2024

Ok thank you
Sincerely,

*************************
Initial Complaint
07/20/2024
Complaint Type:
Order Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
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
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 response
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
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 response
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
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 response
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,

*******************************
Initial Complaint
07/07/2024
Complaint Type:
Order Issues
Status:
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.
I am 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 requested
Business response
07/09/2024
Hello ************,
Thank you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by **************** WORKS on 01-18-2023 for the date of service 05-19-2021.

Our records indicate that notification regarding your account was sent to you on 02-13-2023 & 05-14-2023 at the following address:******************************************************* 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 **************** 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:
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 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
06/24/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Today, 6o-24-2024, I received a collection notice from this business for an ambulance ride I had in January. I have been seriously ill and this just slipped past me. I called to make payment and spoke with some who called himself "***********************." He didn't seem able to hear me well. Perhaps he was far offshore. He wanted my birthdate, which I told him twice. I then became suspicious and asked him why he would need my birthdate to accept payment for a bill. He said that did not match his information. I told him I could have told him anything and he could just say that. Then he wanted the last 4 of my SS number. At that point I became extremely suspicious and asked for a supervisor. I waited a few minutes then decided that couldn't be trusted, either. I paid the bill online, plus $8 "convenience" fee--for whose convenience?? I would like that refunded. I would like this taken off my credit report, which is immaculate. This was a mere oversight and I feel I spoke to someone who wanted to steal my identity. This is a terrible business!
Business response
06/27/2024
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 06-14-2024 for the date of service 01-11-2024.
We appreciate your payment.
Regarding the refund of the $8 "convenience" fee, we would like to inform you that $8 is charged by our payment processing vendor to process the payment and not by BACS.
While making the online payment on our website the following disclaimer is stated under Terms and Conditions- Note- Payment Processing Fees using this online payment portal vary by state and creditor; you may or may not be charged the fee depending on your state and creditor. Once you choose "Proceed to Payments" below, if the $8.00 fee is present under the "Payment Summary" section and you do not wish to proceed, you can mail your payment to the address below without incurring the fee: Bay Area Credit Service P.O. ****************************
The Transactions happens upon you accepting the terms and conditions mentioned it by checking the box provided, sending payments by mail to the address listed does not cost anything.
You also have mentioned that you wish to have this removed from your credit; however we have not reported this account on your **********************. If this is appearing on your credit report please provide us with the document showing it has been reported, we will investigate immediately and take the necessary action. At this time we would need that information, as we show nothing on our files.
As the account is paid in full we will not contact you further.
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
***************************************************************; 30093
Customer response
06/27/2024
your per
Complaint: 21895194

I am rejecting this response because: while I saw all the disclaimers about the $8 fee, had your person, Mr. ************************* not been trying to get enough information to steal my identity (asking for birthdate and last 4 of SSN), I would not have had to pay online to ensure I wasn't scammed and putting myself at risk. The fact that that information wasn't required to pay the bill when I paid online proves to me that Mr. ************************* was attempting something nefarious and likely illegal.
I really don't care at all who benefits from the $8. I paid it to you because your person asked for personal information he didn't need, possibly to steal my identity or otherwise harm me. If you feel you're not responsible, then you can try to recover it from whoever you claim charged it, or make Mr. ************************* pay you; I don't care. Whatever the case, I would not have had to pay it if your person hadn't acted inappropriately and frightened me.
I notice you don't even mention him and his inappropriate questioning in your response. That person should be fired. I asked for a supervisor and waited so long I doubt he was even trying to find one, so I gave up and paid online. Plus, there's no guarantee whoever he might eventually have gotten to speak with me would have been a real supervisor or a person with any authority. You don't seem concerned about this, either.
I would like a hard copy letter to the effect that this debt was not and will not be reported to any credit bureau or similar entity. Please mail this to my home address.

Sincerely,

***************************
Business response
07/05/2024
Hello **************,
Upon receipt of your concern we reviewed your file assigned to us by American Medical Response on 06-14-2024 for the date of service 01-11-2024.
As we were not able to refund only the $8 "convenience" fee so we sent the refund for the entire amount along with the $8 "convenience"fee on 07-05-2024 back on your **** card with Authorization code: 06442D which is the confirmation that the amount is refunded back. You can check your bank statement.
Now that we have refunded the amount back to you which you paid, there is a balance showing on the account.
You can send the payment which can be a check in mail or money order for which you do not have to pay any convenience fee, The address to mail the payment is BAY AREA CREDIT SERVICE P.O. BOX ****** ATLANTA GA *****, please mention account number ********* when you send the payment.
Please note that you can still pay the same amount that you had made the payment to us for $106.94 in the next ********************************************************************************************* full once you mail us the check or money order for $106.94, your payment should reach us before 08/05/24.
You also showed concern regarding our representative *************************** of acting inappropriately, please be advised that required actions has be taken as per BACS internal companys policy.
You also have mentioned that you wish to have this removed from your credit; however we have not reported this account on your **********************. If this is appearing on your credit report please provide us with the document showing it has been reported, we will investigate immediately and take the necessary action. At this time we would need that information, as we show nothing on our files.
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
***************************************************************; 30093
Customer response
07/12/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
06/04/2024
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with **************** Works. I do not have a contract with Bay Area Credit Services LLC, they did not provide me with the original contract as I requested.
Business response
06/06/2024
Hello Ms. ************************ you for contacting us regarding your concerns. We have thoroughly reviewed the details of your file, which was assigned to us by **************** WORKS on 09-06-2023 for the date of service 05-28-2022.

Our records indicate that notification regarding your account was sent to you on 09-07-2023 & 12-06-2023 at the following address: *********************************** PA ***** 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 **************** 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:
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 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
****************************************************************;30093
Initial Complaint
02/02/2024
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with AMERICAN MEDICAL RESPONSE, 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
02/05/2024
Hello Ms. *************************** 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 last four digits of your SSN so that we may process your request.
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.
Sincerely,
*********************
HOVG, LLC dba Bay Area Credit Service
*********************************************************************************, ** 30093
Customer response
02/05/2024
These are the forms from my report. I hope this is enough. If not please contact me and I will be happy to send anymore information you might need. Thank you and have a great day.
Business response
02/07/2024
Hello **********************,
Upon receipt of your concern we reviewed your file assigned to ** by American Medical Response on 03-26-2022 for the date of service 09-23-2021.
Our notes show that notifications regarding this account were sent to you on 03-28-2022 &06-01-2022 and settlement letters were send on 09-25-2022, 03-29-2023 &07-12-2023 at the address **************************************************************;***** and no mail return was received in response.
Regarding your request for validation of the account, we are sending you an itemized statement via **** mail. This statement will be sent to the following address you provided in your complaint correspondence. 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

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
*****************************************************************************************; 30093
Initial Complaint
01/17/2024
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with **************** Works, I do not have a contract with Bay Area Credit Service LLC, they did not provide me with the original contract as I requested.
Business response
01/22/2024
Hello **************,
Upon receipt of your concern we reviewed your file assigned to ** by **************** WORKS on 07-31-2023 for the date of service 04-20-2022.
Our notes show that notification regarding this account was sent to you on 08-01-2023 & 10-30-2023 at the address *********************************************************************** 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 **************** 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:
Identity Theft Affidavit you may find this here - ********************************
A copy of the front and back of a police report regarding the ** Theft

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
******************************************************************************************;30093
Initial Complaint
01/12/2024
Complaint Type:
Customer Service Issues
Status:
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.
I am not liable for this debt with **************** WORKS , I do not have contract with about Bay Area Credit Service LLC , they did not provide me with the original contract as I requested
Business response
01/17/2024
Hello ***************,
Upon receipt of your concern we reviewed your file assigned to ** by **************** WORKS on02-07-2023 for the date of service 10-16-2021.
Review of the accounts shows that our client has requested the account be cancelled back on 01-12-2024.
In reference to a credit deletion, a request was submitted 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.

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
*******************************************************************************************; 30093

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