866-515-3445

I called them back and told them whoever their calling for is not me (only had number about a year) and they took it off. Very annoying and they keep calling if you ignore though..

Same crap... recording saying "I have an important call for you. This is not a sales call..."

The calls are coming from a company called Bay Area Credit (bayareacredit.com) so contact them (sales@bayareacredit.com) to stop the harrassing calls. I personally have perfect credit and do not owe any money but I believe they are calling because they think I know someone they are looking for. It's one thing to call and ask for information but they leave messages at all hours of the day, several times per week, never state the company name or their purpose. I had to leave my phone off for months until I resolved the problem by emailing them. The calls stopped for a couple of months but have resumed. I reported the company to the several goverment agencies - FTC, National Do-Not-Call, FCC, etc. - and I highly suggest the rest of you do so as well. If there are enough complaints, the company will be investigated and fined for their harrassment.

https://www.donotcall.gov/Complain/ComplainCheck.aspx

https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01

https://esupport.fcc.gov/form1088/consumer.do

We've been getting these calls for months...my elderly mom is calling daily even though we've called and told them to take our names and numbers off their list...any suggestions???

They have been calling our company for someone who does not work for us and never has.  Repeatedly I have been assured that our number has been removed from their list but they continue to call.

I received this same phone call asking me to call them back at the different 866 number.  I looked it up online first and read all the comments on this site before I called them back.  When I called them back my call was picked up and I could hear loud background noise from the call center and was hung up on without anyone talking to me.  I called a second time and a gentleman answered, had an Indian accent, and identified himself as a collection agency.  He didn’t ask for any information from me before stating my name and verifying it was me he was talking to.  I thought it was a little odd he already knew my name but I was calling from the number they originally called.

He said American Medical Response sent me to collections for services rendered in 2006.  I have been paying on this bill every month except for last month when I ran into money problems and skipped on that bill.  So, AMR wasted no time and sent me to collections without a threatening letter or phone call.  I thought that was sweet of them.

 Anyway, the guy on the phone then said “How would you like to pay today; by check or credit card?”  I said neither because I have no money at this time to give him.  He asked for my mailing address and I gave it to him.  He then asked me again how I’d like to make a payment today.  I said I’d just wait for a statement in the mail from them since he has my address now.  He interrupted me to say “You need to make a payment today so your account shows some activity and it doesn’t effect your credit rating!”

I said “Thank you but I’ll wait for a statement in the mail before I make a payment.”  And he hung up on me.

Privatized ambulatory services are a GREAT idea America!  Now our emergency response companies can send you to collections after missing ONE payment, screw up your credit and have hack-jobs like Bay Area Credit Services harass you!

My call from these people was legit because I do owe AMR money but this collections company is sketchy and somehow their means of extracting money from people seems illegal.

They keep calling me continuously as well on my cell phone.  I am getting tired of the vague voicemails.  Why should I have to be bothered by someone who is obviously just phishing for information and has no legitimate business with me?

I hope the attorney general gets in touch with them.  I am going to turn them in for repeated unwanted calls on a phone that I have to pay the minutes on - not them.

They call my sister home, my cell phone and leave a message saying, this is not a sales call or soclictation. this is an urgent and important message concerning you, so please call us today. I knew it was a bunch of nothing but they still harrasse me. i refuse to respong to their calls. I am going to report them. Such nonsense! They gave a differnt number than what my caller id showed.

Just started calling my cell #. Reported them as I am on the Do Not Call List and filed a complaint with the FCC.

This is Bay Area Credit Service.  They have called me repeatedly; I been ignoring the calls.  Now they've managed to track down my elderly ill Mother who's living at a memory care center, so I had to call them.  I'm guessing this is about an ambulance bill that was already paid; the ambulance company is incompetent at basic accounting.  They would not tell me why they were calling, that it was a "personal" matter, they wanted to know who my Mother's Power of Attorney is, would only tell me why they were calling if I sent a POA to them (like I'd be stupid enough to do that?!), asked who pays my Mother's bills.  I'm submitting complaints to the appropriate authorities.

My brother has this problem with an indian guy too. he knows all our numbers...he keeps calling and its non stop harrassment.

I understand i owe my bill, but the harrassing calls never end. I have made payment arrangments with several people and they still call. I am so tired of repeating myself. They even located my husband's number and started calling him. When you call them from somebody else's phone they record that number as well. They are nuts. This last time i was told they will not call me anymore until the end of the month when my scheduled payment is due, and still received yet another call. I asked to speak to a manager and they said nobody was available. They stated i will not be getting anymore calls. I have a good feeling im going to be getting more calls.

they keep calling and asking for my mother, saying they are from a collection agency.  I don't know HOW they got my cell phone number.  And there is nothing to collect - my mother has been in a nursing home, fully incapacitated, for 5 years.  I ran a current credit report for her and no outstanding debt is reflected, so there is nothing legitimate to collect.  Now they have started hanging up when I answer,

I have been receiving early morning calls from this number every morning for the past year. usually around 7:30 to 8:30 am I finally got voip phone service and simply blocked their number from my incoming calls. Problem solved. They may still call but I never hear about it. Check with your phone service provider, they usually will block a number for you with no questions asked. I would still report them though! I did! The Better Business Bureau has a ton of complaints on this company already. The more the merrier!

This is essentially the same scenario for me. When I told them I was not comfortable using my phone to give them my Credit Card information, and that I preferred to have a bill sent to me, they kept looping me back into the "You should pay today" speech.

Send me a paper bill, and you'll get paid. Otherwise, keep falling onto the deaf ears of my voicemail.

I just had to deal with this call at first, about 20 minutes ago.  I didnt get a caller ID number but I picked it up (land line) and it was a guy with a heavy indian accent saying that he was calling from the bay area credit service for the American Medical Response and that I owed them money from an ambulance ride back in 2009.  I had already dealt with this before, last year, when i received the bills, i gave them my insurance information and they said that everything was dealt with and I even have a confirmation letter and number! This guy keeps asking, are you going to pay this bill today and kept asking for my checking and routing number or my credit card number.  I asked for him to send me a bill because I didnt feel comfortable giving out my information to someone I didnt even get a name from.  He was able to confirm my mailing address though and said that I had to pay now otherwise my account would have interest in it and it takes 7 to 10 business days to get a bill so I should pay today or whatever.  I kept telling him that I will find the documentation and call him tomorrow and he just kept telling me to pay first then confirm.  Im not going to pay a bill that I remember paying before! He was extremely rude, wouldnt let me talk and just kept asking me to pay.  They have never called me before, not in the last year and never sent me one single piece of paper about this "account" I have with them.  Im going to call tomorrow and make a complaint about their associates or if this is even real!

I keep getting a call from this company stating they are trying to collect a debt from my mother; however, they will not give me any information and want me to fax over a power of attorney. My mother is 91 and under hospice care, so I doubt she is out running around charging up accounts all over town.

The number 866-515-3445 is bay area credit services. I have been a collector and alot of my friends are
collectors. A roommate of mine that i lived with over a year ago have been call everyday for the past month. Collectors use different search engines such as Accuriant, search bug and even the white pages to get your numbers and any previous roommate or relatives numbers. It is illegal to contact any 3rd party to obtain debt under the "Fair Debt Collection Act". I have listed some of the Practices below..
§ 805 Communication in connection with debt collection
§ 806 Harassment or abuse
§ 807 False or misleading representations
§ 808 Unfair practices
§ 809 Validation of debts
§ 804. Acquisition of location information
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall—
(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;
(2) not state that such consumer owes any debt;
(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;
(4) not communicate by post card;
(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and
(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.
§ 805. Communication in connection with debt collection
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—
(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the
15 USC 1692b
15 USC 1692c
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§ 805 15 USC 1692c
consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antimeridian and before 9 o’clock postmeridian, local time at the consumer’s location;
(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or
(3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.
(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
(1) to advise the consumer that the debt collector’s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
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§ 805 15 USC 1692c
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
(d) For the purpose of this section, the term “consumer” includes the consumer’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.
§ 806. Harassment or abuse
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603(f) or 604(3)1 of this Act.
(4) The advertisement for sale of any debt to coerce payment of the debt.
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
(6) Except as provided in section 804, the placement of telephone calls without meaningful disclosure of the caller’s identity.
1. Section 604(3) has been renumbered as Section 604(a)(3).
15 USC 1692d
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§ 807 15 USC 1692e
§ 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
(2) The false representation of—
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.
(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to—
(A) lose any claim or defense to payment of the debt; or
(B) become subject to any practice prohibited by this title.
(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
15 USC 1692e
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§ 807 15 USC 1692e
(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.
(13) The false representation or implication that documents are legal process.
(14) The use of any business, company, or organization name other than the true name of the debt collector’s business, company, or organization.
(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 603(f) of this Act.
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§ 808 15 USC 1692f
§ 808. Unfair practices
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
(1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector’s intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
(5) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if—
(A) there is no present right to possession of the property claimed as collateral through an enforceable security interest;
(B) there is no present intention to take possession of the property; or
(C) the property is exempt by law from such dispossession or disablement.
15 USC 1692f
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§ 808 15 USC 1692f
(7) Communicating with a consumer regarding a debt by post card.
(8) Using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original credi15
USC 1692g
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§ 809 15 USC 1692g
tor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this title may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.
(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
(d) A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection (a).
(e) The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the Internal Revenue Code of 1986, title V of Gramm-Leach-Bliley Act, or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

This number calls every day or so and leaves a voice mail that contains nothing but a bunch of background noise that sounds like people laughing and talking in a break room.

This company keeps calling my cell phone asking for Amber.  I have a recycled phone number and I always get Amber's phone calls.  I told them to stop calling me, but they are convinced that I'm lying and that I know how to reach Amber.  They keep using up my minutes.