They have me SS number and our Business Name. This is suppose to have happened in 2002. They are charging it to my credit report as of June 2009. Very rude when you try to talk to them. They hang up and tell you to pay or go file police reports if you want too. They mock you on the phone. They have ruined my excellent credit score. It was in the 700 hundreds. What else can I do? They cannot even tell me when or where other than it was a ride to John F. Kennedy Hospital.

Boy am I glad my boyfriend and I decided to search the web as we were talking to the people who called us from Bay Area Credit Service! Although they have a "legitimate" website, when you search them on Google the 5th word that pops up next to them is SCAM. With this in mind, let me explain what happened... My boyfriend's mom received a phone call from (877)230-9773 asking for him, and so she told him that he would call them back since we live in our own apartment. Upon calling, the man that answered said that my boyfriend did not pay the final bill from our AT&T internet service last year (12/09), and it had been sent to their collections agency. When I initially heard this (he had his cell on speakerphone), I was kind of confused because that was close to a year ago and we had not received any phone calls/mail regarding this outstanding bill; although we had moved, we changed our address on everything and had canceled AT&T to get a new internet service. Not sure if we had paid this closing fee, we asked for the account number and he ignored the question, automatically moving to how we could go about paying this. He gave us two options: Paying the $186 right then, or not only paying the full fee but accruing interest on the amount until we did so. Being a bit apprehensive, and the bargainer my boyfriend is, he said he would pay $50 at the most because the could not provide all of the information he was asking for (account number being the most important). They declined his $50, but said they would settle for $101. At this point, the word scam started going off in my head. I got on my laptop and that is when I searched Bay Area Credit Service and SCAM popped up right next to it. I found this website and similar experiences came up. Although some were about ambulances, their "website" says they also do medical billing. My boyfriend then said he would like a statement sent to him before he paid anything, afraid of being "scammed", and the man on the phone got rather angry, almost yelling at some points asking "Why do you need a paper statement?? I just told you what you need to pay!!!" Finally my boyfriend told them he would call back and hung up. We immediately called AT&T, got ahold of their financial services, and asked about this incident. It did turn out that we had a bill with them, but the number to call this company was completely different. We ended up paying our bill with AT&T THROUGH AT&T, not having to worry about some random agency having our credit card information. At this point I started to feel kind of bad, thinking we were wrong, but I knew my gut instinct had to be right. Especially with all of the other experiences I found similar online. After looking around their "website" some more, I noticed the copyright at the bottom said 1994-2006, while their Privacy Policy was enacted Dec 13, 2007, voiding all previous privacy policies and giving them the ability to change these policies at any time without warning. I don't know much about the legalities of this, but to me it seems like AT&T may be getting scammed as well. This could have initially been a valid company, but was taken over or turned into a scam agency. Having AT&T give them bills to collect like my boyfriends may add to their "legitimacy", while giving them the opportunity to create false ones. Just my opinion. Hope this story (or what turned into a rather long essay) helps any of you who receive a call from (877)230-9773, to be cautious.

Harrassing phone calls to my cell phone. They have me SS number and our Business Name. This is suppose to have happened in 2002. They are charging it to my credit report as of June 2009. Very rude when you try to talk to them. They hang up and tell you to pay or go file police reports if you want too. They mock you on the phone. They have ruined my excellent credit score. It was in the 700 hundreds. What else can I do? They cannot even tell me when or where other than it was a ride to John F. Kennedy Hospital. Where is that?

Frances Brookshire
197 Carousel Rd.
Gray Court, SC 29645

Phone 864-575-2629

I can not believe This company, I am 65 years old and they keep calling me and I dont answer the phone so they wait until the leave a message come up and just sit there and breathe through the phone until they get tired and never say a word. That is so scary I am an old lady and you dont do this to elders. I will continue with filing a harassment case because this is unreal. I still have it on my phone and I am going to my lawyer to let him hear this unreal call.

My 96 year old mother-in-law, who is recently deceased, has beed inundated with calls directed to her daughter. We have advised Bay Area Credit Service that Sophie Fink is deceased; but, they continue to call and they refuse to state the reason for the call. They have now requested a copy of the death certificate, which we believe is none of their business since they will not disclose the reason for the harassing calls. Sophie Fink was in a nursing home for the past year and actually has not made any purchases, that we know of, for the past six years. Bay Area Credit Service has been totally uncooperative in disclosing the alleged debt to her daughter who is the executor of and estate that does not even exist and there is absolutely no debt that she could have incurred. They claim the law does not allow them to disclose the alleged debt. It is our belief that this mis bot a fraud and a scam that the state of residence of this agency should close them down. What ca we do to get this kind of action.
Thanks, Joseph A. & Regina A. Klein (SIL & Daughter of Sophie Fink)