Resources for resolving common issues with HOVG, LLC products and services
You can reduce the number of unwanted calls from HOVG, LLC you get by signing up for the National Do Not Call Registry. It's free. Visit http://donotcall.gov to register your number.
How do I register?
Add your phone number for free by visiting http://donotcall.gov, or calling 1-888-382-1222 from the phone you want to register (TTY: 1-866-290-4236)
If you register online, you will receive a confirmation email from http://donotcall.gov. You must click on the link in the email within 72 hours to complete your registration.
How long does it take?
Your phone number should show up on the Registry the next day. Most sales calls will stop once your number has been on the Registry for 31 days. You can verify that your number is on the Registry by visiting http://donotcall.gov or calling 1-888-382-1222.
Where can I file a complaint about an illegal sales call or a robocall?
To file a complaint, visit http://donotcall.gov, or call 1-888-382-1222 (TTY: 1-866-290-4236).
Will I hear back from the FTC regarding my complaint?
Due to the volume of complaints, the FTC cannot respond directly to every complaint. The FTC and other law enforcement agencies analyze complaints to spot trends and to identify and take action against the people responsible for these illegal calls.
What's a Robocall?
If you answer the phone and hear a recorded message instead of a live person, it's a robocall. You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed. But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.
What Should You Do If You Get a Robocall?
If you get a robocall:
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt was paid April 5, 2017 - - was in a car accident on -/-/-. The accident was covered by - Company. The ambulance company, - has sent - case to collections after months of repeated communication between me and them regarding the invoice. - was the victim, - claimed responsibility and somehow, the Ambulance Company is penalizing -. -/-/- Vehicle accident happened. -, the victim, is a - who is -, - and uses a -. She - as a result of the accident and is transported by - to - Hospital - miles away. -/-/- I received bill for $270.00 from the - for r... |
HOVG, LLC Credit reporting incorrect information on credit report reinserted previously deleted info February 13, 2017 - I disputed the referenced accounts ( # - & # - - by third party - - - -. The credit report shows these items were deleted from my credit file - 2017. HOVG LLC, dba Bay Area Credit service ( BACS ), - - -, - -, -, GA - has now reinserted these items on my credit report. The reporting period has expired and I have NOT received any notification. This is a serious violation of the FCRA.... |
HOVG, LLC Debt collection improper contact or sharing of info contacted me after i asked not to December 23, 2016 - I asked them to no longer contact me at work on -/-/2016. Continued to receive call from them at work as of -/-/2016. I also asked them to provide written proof of debt, and they have failed to do so.... |
HOVG, LLC Debt collection communication tactics frequent or repeated calls October 13, 2016 - I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.... |
HOVG, LLC Debt collection communication tactics frequent or repeated calls July 26, 2016 - I recieved a notice that a medical bill ( wrongfully ) went to Bay Area collection agency. I contacted the collection agency as per the notice. The person I spoke to was rude and tried to push me into making a payment right then and there. When I explained my situation ( grieving the bill with my insurance company ) he tried to make it sound like I was refusing to resolve the debt because I was not going to make a payment that very day. I asked him about a payment plan and was told the amount of money I could afford ( $50.00 per month ) was insufficient and that if I did not pay it off in 4 ... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt is not mine June 13, 2016 - Since -/-/- Bay Area Credit Service ( BACS ) has robocalled ( - and counting as of end of day -/-/- ) my home for a person whose last name sounds like mine and whose first name sounds like -? ( -? ). These calls are documented in the attached Log and - - - - files ; the latter contain - of the - calls from -. The - calls after -/-/- can be provided as required. Due to the content of these robocalls I initially believed they were a scam designed to self-incriminate a recipient. After the BACS robocall of -/-/- I shut my answer... |
HOVG, LLC Debt collection disclosure verification of debt right to dispute notice not received June 9, 2016 - I entered into a mutually agreed upon payment arrangement with - - - and made several timely payments as agreed. In - I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agree... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt was paid May 17, 2016 - Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and - states patient is resp does not mean a patient is resp. If - has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with - different facility names that is still double billing. I now my rights as far as biller goes and I know when a - is a duplicate claim. I have notified our health i... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt was paid January 9, 2016 - Bay - Credit calling to collect payment on behalf of - - - -. I contacted med insurance, said paid - 2015. I contacted - - - -. Verified account paid - 2015, currently - balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days. ... |
HOVG, LLC Debt collection communication tactics threatened to take legal action November 30, 2015 - In - 2015 I received a collections notice from Bay Area Credit Service '' - I had no idea what it was for so I sent a FA- requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail phishing scam ''. On -/-/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service ... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt was paid November 19, 2015 - I went to the ER -/-/2014 and am completely covered by - because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about - to low -. I tried calling one of the companies a few times with no answer, and no reply to my voicemails. ... |
HOVG, LLC Debt collection false statements or representation attempted to collect wrong amount November 1, 2015 - So I was called by - - - - - while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do $50.00 I was told the minimum amount would have to be $100.00 so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I ha... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt was paid October 5, 2015 - Debt was paid -/-/2014, Was promise to remove/delete file from - credit bureaus ... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt is not mine August 3, 2015 - Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( - ) - business days, via certified mail Number : - - - - -, on - for the credi... |
HOVG, LLC Debt collection communication tactics frequent or repeated calls July 13, 2015 - Harassment and stalking ... |
HOVG, LLC Debt collection communication tactics frequent or repeated calls July 9, 2015 - They called me - times in a matter of - hours over a balance of $490.00. This is ridiculous. ... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt is not mine June 19, 2015 - Bay Area Credit and - - - companies have received my number in error. They continue to call though I have explained their area and asked to be removed from their call list. ... |
HOVG, LLC Debt collection communication tactics threatened to take legal action June 15, 2015 - A lady name - - called me at - today from ( - ) - saying that a case has been filed against me for fraudulent activity and connected to my SSN. She left a call back number that is different from the one she called me from at ( - ) - ex : - and I called back and a different woman I ca n't remember the name of answered saying I owe a Medical Debt for an ambulance ride for $2700.00. This is different from fraudulent activity. The lady started asking for my checking information and I refused to give it to her and I asked if there 's any way to pay by mail. She told me I h... |
HOVG, LLC Debt collection communication tactics frequent or repeated calls June 6, 2015 - they called - times in 1 day, each time I answered I was put on hold and the machine hung me up. The - time I made payment arrangement to mail/pay $20.00 per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls. ... |
HOVG, LLC Debt collection disclosure verification of debt not disclosed as an attempt to collect May 29, 2015 - This collector would not identify themselves or the purpose of their phone calls in any way until I verified my personal information, which I refused to do. I requested they discontinue contact until they were able to identify themselves, but the phone calls have continued. I was able to - search the phone number, which is how I found out who was calling. ... |
HOVG, LLC Debt collection cont'd attempts collect debt not owed debt is not mine May 20, 2015 - pUT ME IN COLLECTIONS WITH bAY cREDIT, AFTER REPEATED ATTEMPTS TO GET PROOF IT WAS MINE.tHIS WAS FOR - AND & I HAVE NEVER BEEN ON -.WROTE THEM NUMEROUS LETTERS, SENT THEM PROOF AND THEY REFUSED, STILL PUTTING IT ON MY REPORT. ... |
HOVG, LLC Debt collection communication tactics threatened to take legal action April 17, 2015 - Representative from credit agency utilizing phone number # - was very rude and harassed me on - - at around - while I was at work. Incident : I answered the phone call while at work, initially the person did not identify themselves, when I asked who this was he advised he was attempting to collect a debt ''. I listened to him and advised I would be making payment however could not do so at this time. Advised by the end of the month the debt would be paid. He proceeded to state he needed a debit card or check now '' advised I was at work and unable to provide that information, he ... |
HOVG, LLC Debt collection communication tactics frequent or repeated calls April 13, 2015 - This company started calling me on -/-/15. Since then I have received - more calls. On -/-/15 I answered, the man on the phone announced the company as Bay Area Credit Services, and is trying to collect a debt. The man had a very heavy - accent. Asked for me to verify my personal info. I do not have any outstanding debts, and believe this is a scam. ... |
HOVG, LLC Debt collection improper contact or sharing of info contacted me after i asked not to March 28, 2015 - For the past week I have received calls from - - - -. Calls would come in everyother day with the exception of the past - days. The past - days have been everyday. Each time they called - in a row. When I answered each time they hang up. Finally yesterday - - - 2015, after getting hung up each time i answered, I called back to see who it was. The Company is called Bay Area Credit Services. The guy who answered wanted me to give him my social, I declined to shre that info with him and he declined to tell me the reason for their numerous calls to me. So i then told ... |