Bayside Capital Services is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
Bayside Capital Services is a debt collection business based in Buffalo, New York. It appears as though there are a variety of different complaints against Bayside Capital Services alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as harassing and threatening consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. Bayside Capital Services has practiced collections for roughly 6 years. While this may not be an extensive period of time, it is more important that Bayside Capital Services is a member of ACA International, making it a legitimate business. However, while consumers should be aware that Bayside Capital is not a scam, the company’s lack of accreditation and below average “C-” BBB rating, should raise a few red flags.
According to the Bayside Capital Services website, the company claims that as a business they pride themselves on maintain a high degree of ethical standards. Alternatively, many complainants do not feel as though this promise has been fulfilled by Bayside Capital Services as many complainants allege that Bayside Capital Services uses both disrespectful and unethical collections practices. Lastly, According to zoominfo.com the company has an employee base of 5, and revenue of $1 million.
Remember that while it is important that you do not ignore the need to resolve your alleged debt with Bayside Capital Services, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.
Bayside Capital Services lists the services that they provide on their website. These sectors include commercial collections, consumer collection services, medical collection services, business v. business, MSP v. individual or company, and business v. individual. According to their website, Bayside Capital Services utilizes skip tracing, collection letters, and personal contact by phone or face-to-face to collect on clients’ debt. Because of Bayside Capital Services’ wide range of specialities, it is important that as a consumer you confirm with Bayside Capital Services about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
Bayside Capital Services has accumulated a number of complaints across the internet. In fact, on the BBB, Bayside Capital Services has received 37 complaints closed in the last 3 years and 10 complaints closed in the last 12 months, as well as 3 customer reviews awarding the company an overall rating of 1 star. In addition to the BBB reviews, Bayside Capital Services has also received 3 Google Reviews awarding the company an overall 3.7 star review. These reviews mainly noted that Bayside Capital Services was allegedly using unethical collections practices and continuously harassing consumers.
Bayside Capital Services could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Bayside Capital Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgment. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant explains that they previously paid off a loan for their daughter through Bayside Capital Services, as they had taken over the debt. The amount of $527.50, or the settlement amount, was paid and intended to rid the complainant and her daughter of said debt. However, the complainant explains that this amount has cleared their bank but they never received a receipt from Bayside Capital Services showing that the account was paid in full. Now Bayside Capital Services is demanding that the complainant’s daughter still owes the loan. The complainant was given an authorization number, and is hoping that this loan discrepancy can be dealt with so that her daughter does not suffer consequences due to Bayside Capital Services’ error.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, consumers can recover up to $1,000 in damage, plus attorney fees and costs because of rights written in the FDCPA.
You may have a case, if…
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I felt like you really cared about getting me the relief I longed for. I can not thank you enough.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with what I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. They always had great communication. I highly recommend them to anyone seeking consumer legal services.”
“A belated thanks for your company. I still get an occasional call but when I ask them to stop, they stop. Hopefully, sometime in the future, all of the collection agencies will close down. The peace from the constant calls is refreshing.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
Yes, we would love to assist you with your case. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Took money out of my bank account without authorization. Did not give out my account information