If Bayview Solutions LLC is calling you about a debt you have already paid, a balance that was discharged in bankruptcy, or an account you have never heard of, you are experiencing the exact pattern that led to an FTC enforcement action and five federal lawsuits in a single year.
Bayview Solutions LLC is a small St. Petersburg, Florida debt buyer that has operated since 2008. It is not BBB-accredited and carries an A- BBB rating with 4 complaints. The Federal Trade Commission has a case file on Bayview Solutions, LLC (Case No. 142-3226/X140062), and the company’s executives have been named as defendants in legal proceedings.
If Bayview Solutions has crossed the line with you, call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. Bayview Solutions pays our fees if we win.
Also searched as: Bayview Solutions LLC, Bayview Solutions Company, BVS, Bayview Risk Management Capital (BRMC), and Bayview Collections. Not to be confused with Bayview Loan Servicing LLC or Bayview Asset Management (bayview.com), which are separate mortgage-related entities.
Key Takeaways
- Bayview Solutions LLC is at 111 2nd Ave NE, Suite 900, Saint Petersburg, FL 33701. Founded January 2008. BBB A- rating (not BBB-accredited, 4 complaints) (failure to respond to complaints). Operates as BVS, BRMC, and Bayview Collections.
- The FTC has a case file on Bayview Solutions (142-3226/X140062). Company executives Aron Tomko and Jonathan Ortiz have been named in legal proceedings.
- Five federal FDCPA lawsuits were filed in 2018 alone: Eckley, Harris, Fernandez, Wylie, and Ricketts.
- BBB complaints describe unauthorized credit pulls, collecting debts discharged in bankruptcy, and “phantom debt” that consumers have no record of.
- You may be entitled to up to $1,000 per FDCPA violation and $500 to $1,500 per unauthorized robocall. Bayview Solutions pays your attorney fees if we win.
Free Case Review: +1-844-638-1122
Who Is Bayview Solutions LLC?
Bayview Solutions LLC is a debt buyer and collection agency based at 111 2nd Ave NE, Suite 900, Saint Petersburg, Florida 33701. Founded in January 2008. Website: bvs-llc.net. Primary phone: (866) 546-9088. Consumer information line: (888) 841-3970.
The company operates under multiple names: Bayview Solutions LLC, Bayview Risk Management Capital (BRMC), Bayview Collections, and BVS. Executives Aron Tomko and Jonathan Ortiz have been named as defendants in legal proceedings involving the company.
Bayview Solutions is a debt buyer, not just a third-party collector. This distinction matters: the company purchases portfolios of charged-off consumer accounts at steep discounts and then attempts to collect the full balance. When a debt changes hands multiple times, documentation often deteriorates, which is why requesting debt validation is critical.
The BBB rates Bayview Solutions a C, specifically citing failure to respond to consumer complaints. The company has 13+ closed CFPB complaints since March 2015.
The FTC Case and Federal Lawsuits
The Federal Trade Commission maintains a case file on Bayview Solutions, LLC (Case No. 142-3226/X140062). Executives Aron Tomko and Jonathan Ortiz were named as defendants.
In 2018 alone, five separate federal FDCPA lawsuits were filed against Bayview Solutions:
- Eckley v. Bayview Solutions (5:18-cv-00551-JRA)
- Harris v. Bayview Solutions (3:18-cv-02297-JGC)
- Fernandez v. Bayview Solutions (5:18-cv-02261-VKD)
- Wylie v. Bayview Solutions (8:18-cv-00081-JSM-AAS)
- Ricketts v. Bayview Solutions (0:18-cv-62202-WPD)
Five federal lawsuits in a single year from a company with estimated revenue of approximately $250,000 is an extraordinary litigation-to-revenue ratio. Review the top FDCPA violations.
The BBB Complaint Pattern: Phantom Debt and Unauthorized Credit Pulls
BBB complaints against Bayview Solutions cluster around specific, recurring issues.
Unauthorized soft credit pulls. Consumers report that Bayview Solutions performed “soft inquiries” on their credit reports through Experian without permission. The company claims these pulls are authorized under FCRA section 15 U.S.C. 1681b(a)(3)(A) for “account validation.” Whether this qualifies as a permissible purpose is the subject of consumer disputes.
Collecting on discharged debts. Consumers report being contacted about debts they claim were already included in bankruptcy proceedings. Collecting on a debt that has been discharged in bankruptcy is a direct violation of the bankruptcy discharge injunction.
“Phantom debt.” Consumers report being contacted about debts they have no record of. When a debt buyer purchases portfolios of old, charged-off accounts, the documentation supporting those debts is often incomplete or missing entirely.
Threatening voicemails. Consumers report receiving threatening voicemails from the company regarding debts they claim not to owe.
Is Bayview Solutions Harassing You?
Whether You Owe the Debt or Not, We Can Help You
- Up to $1,000 per FDCPA violation
- Actual damages for emotional distress and lost wages
- Attorney fees paid by Bayview Solutions if we win
We work on contingency. You pay nothing unless we win.
FREE Case Review: +1-844-638-1122
Is Bayview Solutions a Scam?
Bayview Solutions LLC is a registered Florida entity with a physical address, named executives, and an FTC case file. It is not a fabricated entity.
However, a BBB A- rating (not BBB-accredited), an FTC case file, five federal lawsuits in one year, complaints about phantom debt and unauthorized credit pulls, and estimated revenue of only ~$250,000 paint a picture of a very small operation with an outsized compliance problem. If Bayview Solutions is contacting you about a debt you do not recognize, you should verify independently before paying anything.
Bayview Solutions Phone Numbers
- (866) 546-9088 (also 8665469088, 866-546-9088, 866.546.9088): Primary collection line
- (888) 841-3970 (also 8888413970, 888-841-3970, 888.841.3970): Consumer information (M-F, 10 AM-5 PM EST)
- (727) 235-6016 (also 7272356016, 727-235-6016, 727.235.6016): St. Petersburg local
- (727) 235-6015 (also 7272356015, 727-235-6015, 727.235.6015): St. Petersburg alternate
- (800) 714-0474 (also 8007140474, 800-714-0474, 800.714.0474): Toll-free
Document every call. Check how many times a collector can legally call per day.
How to Stop Bayview Solutions
1. Request Debt Validation
Certified letter to 111 2nd Ave NE, Suite 900, Saint Petersburg, FL 33701 within 30 days. Because Bayview Solutions is a debt buyer, specifically request the chain of title showing how they acquired the debt from the original creditor. See our debt validation guide.
2. Check Your Bankruptcy Records
If you previously filed bankruptcy, check whether the debt Bayview is collecting was included in your discharge. Collecting on a discharged debt violates the bankruptcy discharge injunction.
3. Review Your Credit Report for Unauthorized Pulls
If Bayview Solutions pulled your credit without your knowledge, document the inquiry. Whether their “account validation” purpose qualifies as permissible under the FCRA is a legal question an attorney can evaluate.
4. Send a Cease-and-Desist
Certified mail to the St. Petersburg address. Review what to say and not say.
5. Call an Attorney
Call +1-844-638-1122. The Wood Firm PLLC stops contact within 48 hours.
Can Bayview Solutions Sue Me or Garnish My Wages?
Bayview Solutions can sue you if the debt is valid and within the statute of limitations. Florida allows 5 years for most written contracts.
They cannot garnish your wages without a court judgment. Florida has strong head-of-household protections: wages of a head of household earning $750 per week or less generally cannot be garnished for consumer debts without written consent.
How The Wood Firm PLLC Helps
When Bayview Solutions collects on debts discharged in bankruptcy, pulls credit reports without permissible purpose, or contacts you about phantom debts with no supporting documentation, those are actionable claims under the FDCPA, FCRA, and TCPA.
The Wood Firm PLLC has handled these cases exclusively since 2011. Never represented a creditor. You pay nothing upfront. Contact stops within 48 hours. Learn about how we work for you and why clients choose us. Read the attorney profile.
Real Cases Against Collectors Like Bayview Solutions
Client identities are protected.
- Phantom debt collection. A debt buyer contacted a client about a debt with no supporting documentation. The Wood Firm PLLC demanded validation and the collector could not produce chain-of-title proof. Statutory damages obtained plus permanent cessation.
- Discharged debt collection. A collector attempted to collect on a debt that had been discharged in the client’s bankruptcy. The Wood Firm PLLC documented the violation and obtained damages.
- Unauthorized credit pull. A collector pulled a client’s credit report without a permissible purpose. The Wood Firm PLLC pursued FCRA claims and obtained damages plus deletion of the inquiry.
Has Bayview Solutions Violated Your Rights?
Whether You Owe the Debt or Not, We Can Help You
Free Consultation – No Upfront Costs – Bayview Solutions Pays Our Fees
Frequently Asked Questions About Bayview Solutions
Who is Bayview Solutions LLC?
A debt buyer based at 111 2nd Ave NE, Suite 900, St. Petersburg, FL 33701. Founded 2008. Not BBB-accredited. A- BBB rating. 4 complaints. Operates as BVS, BRMC, and Bayview Collections. FTC case file 142-3226/X140062. Five federal FDCPA lawsuits filed in 2018.
Is Bayview Solutions the same as Bayview Loan Servicing?
No. Bayview Loan Servicing LLC and Bayview Asset Management are separate mortgage-related entities. Bayview Solutions LLC is a consumer debt buyer. Different companies, different industries.
Why is my credit report showing a Bayview Solutions inquiry?
BBB complaints report unauthorized soft credit pulls. Bayview claims these are “account validation” inquiries under FCRA. Whether that qualifies as a permissible purpose is a legal question worth discussing with an attorney.
Can Bayview Solutions collect a debt discharged in bankruptcy?
No. Collecting on a discharged debt violates the bankruptcy discharge injunction. Check your bankruptcy records to verify whether the debt was included.
What phone numbers does Bayview Solutions use?
(866) 546-9088, (888) 841-3970, (727) 235-6016, (727) 235-6015, and (800) 714-0474.
Can Bayview Solutions garnish my wages?
Only with a court judgment. Florida head-of-household wages at or below $750/week are generally exempt from garnishment for consumer debts.
How do I stop Bayview Solutions from calling?
Cease-and-desist via certified mail to 111 2nd Ave NE, Suite 900, Saint Petersburg, FL 33701.
Can I sue Bayview Solutions?
Yes. Up to $1,000 in statutory damages per FDCPA lawsuit. Attorney fees paid by Bayview Solutions. The Wood Firm PLLC handles these on contingency at +1-844-638-1122.
Take Action Against Bayview Solutions Today
A small debt buyer with an FTC case file, a BBB A- rating (not accredited), five federal lawsuits in one year, and complaints about phantom debt and unauthorized credit pulls has a documented pattern. The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, works on contingency, and makes Bayview Solutions pay.
Call +1-844-638-1122 for a free case review. Browse our list of collection agencies, review our practice areas, or file with the CFPB.
