If Bayview Solutions LLC is calling about a debt you already paid, you are seeing a flagged pattern. The FTC sued this company in federal court, and multiple consumers have filed FDCPA suits against it.
Key Takeaways
- Bayview Solutions LLC is at 111 2nd Ave NE, Suite 900, Saint Petersburg, FL 33701, founded January 2008. It is not BBB-accredited and holds an A- rating with 4 complaints.
- In 2014, the FTC sued Bayview Solutions, LLC, along with executives Aron Tomko and Jonathan Ortiz, after the company allegedly posted the personal debt portfolios of roughly 28,000 consumers online.
- Multiple consumers have filed federal FDCPA lawsuits against Bayview Solutions over the years, including cases in Florida, California, Ohio, and New York.
- BBB complaints describe unauthorized credit pulls, collection on debts allegedly discharged in bankruptcy, and contact about debts consumers say they have no record of.
- You may be entitled to up to $1,000 per FDCPA violation and $500 to $1,500 per unauthorized robocall.
Free Case Review: +1-844-638-1122
What the 2014 FTC Lawsuit Against Bayview Solutions Alleged
Yes, the FTC sued Bayview Solutions LLC in 2014, along with executives Aron Tomko and Jonathan Ortiz. The FTC alleged the company publicly posted the personal debt portfolios of about 28,000 consumers online. [1][2][3]
The exposed information reportedly included bank account and routing numbers, Social Security numbers, addresses, and employment details. The court issued a preliminary injunction and later a restraining order against the company, according to court records. [2]
In our practice, a data exposure case like this raises a separate question from an ordinary collection call. If you were contacted around that period, it is worth checking whether your data was affected.
What Other Lawsuits Have Been Filed Against Bayview Solutions
Beyond the FTC action, individual consumers have sued Bayview Solutions under the FDCPA in several federal courts. Each filing below is an allegation, not proof, unless a judgment or settlement says otherwise.
- Aronson v. Bayview Solutions, LLC, 9:12-cv-80730 (S.D. Fla.), filed July 10, 2012: alleges abusive third-party debt collection conduct under the FDCPA.
- Monge v. Bayview Solutions, LLC, 5:17-cv-02000 (C.D. Cal.), filed September 27, 2017: alleges violations of federal collection law and California consumer protections.
- Eckley v. Bayview Solutions, LLC, 5:18-cv-00551 (N.D. Ohio), filed March 9, 2018: alleges improper collection communications under 15 U.S.C. § 1692.
- Pettigrew v. Bayview Solutions, LLC, 1:25-cv-02616 (S.D.N.Y.), filed March 26, 2025: a collection dispute that reportedly ended in a voluntary dismissal after settlement in June 2025.
- Reyes v. Bayview Solutions, LLC, 8:25-cv-01717 (M.D. Fla.), filed July 3, 2025: alleges FDCPA violations, originating from a Polk County Circuit Court dispute; reportedly terminated February 18, 2026. [2]
In our practice, a cluster of federal filings spanning over a decade is worth investigating. It often points to a recurring practice, and we review the pattern against what happened on your account.
Who Is Bayview Solutions LLC
Bayview Solutions LLC is a debt buyer and collection agency based in Saint Petersburg, Florida. The company was founded in January 2008 and operates a website at bvs-llc.net.
Records show the company also does business as Bayview Risk Management Capital, Bayview Commercial Recovery, and Bayview Collections. It is not related to Bayview Loan Servicing LLC or Bayview Asset Management, separate mortgage companies at bayview.com. [1]
- Also Known As: Bayview Solutions LLC, Bayview Solutions Company, BVS, Bayview Risk Management Capital (BRMC), Bayview Commercial Recovery, Bayview Collections
- Founded: January 2008
- BBB Status: Not accredited, A- rating, 4 complaints
- Website: bvs-llc.net
Bayview Solutions is a debt buyer, not just a collector, which changes what documentation it should produce. It reportedly purchases charged-off account portfolios at a steep discount, then attempts to collect the full balance.
When a debt changes hands multiple times, records often go missing. That is why requesting debt validation matters here specifically.
What the BBB Complaints Describe
BBB complaints against Bayview Solutions cluster around a few recurring themes. Each is hedged here, since these reflect consumer allegations, not confirmed findings.
- Unauthorized credit pulls. Consumers have alleged the company ran soft credit inquiries without permission, which it reportedly defends as “account validation” activity permitted under the FCRA. Whether that justification holds up is a legal question, not a settled fact.
- Collection on discharged debts. Some consumers report being pursued for debts they say were already resolved in bankruptcy. Collecting on a discharged debt would violate the bankruptcy discharge injunction if confirmed.
- Debts with no record. Multiple complaints describe contact about accounts the consumer says they never opened or recognize, consistent with documentation gaps common to older, resold debt portfolios.
- Threatening voicemails. Consumers have alleged receiving aggressive voicemail messages about debts they dispute owing.
If you searched for a “Bayview Finance” voicemail specifically, confirm the exact company name before responding. Several similarly named entities operate in debt collection.
Is Bayview Solutions a Scam or a Real Company
Bayview Solutions LLC appears to be a real, registered Florida entity with a physical address and named executives. Its litigation history, including a federal FTC lawsuit and several FDCPA suits, is unusually heavy for its size.
If Bayview Solutions contacts you about an unrecognized debt, verify it independently before paying anything. A real company can still misstate a debt’s history or pursue an account it should not.
Bayview Solutions Phone Numbers
- (866) 546-9088 (also 866.546.9088): primary collection line
- (888) 841-3970 (also 888.841.3970): consumer information line, weekdays 10 AM to 5 PM ET
- (727) 235-6016 and (727) 235-6015: St. Petersburg local numbers
- (800) 714-0474: toll-free line
Document every call with the date, time, and number used. Check how many times a collector can legally call per day.
How to Verify a Debt Bayview Solutions Is Collecting
Send a certified validation letter to the Saint Petersburg address within 30 days of first contact. Because Bayview Solutions is a debt buyer, demand the chain of title showing how it acquired the debt. Review our debt validation guide for the full process.
If you previously filed bankruptcy, check whether this debt was included in your discharge before responding further. If Bayview Solutions pulled your credit without your knowledge, document the inquiry date. FDCPA violations often hinge on this kind of timeline.
A certified cease-and-desist letter limits Bayview Solutions to contact confirming the stop or notifying you of legal action. Review what to say and not say to a collection agency in the meantime.
Can Bayview Solutions Sue You or Garnish Your Wages
Bayview Solutions can sue you if the debt is valid and still within Florida’s 5-year statute of limitations. It cannot garnish your wages without first winning that judgment.
Public court records show Bayview Solutions also files collection suits against consumers, including Bayview Solutions v. Steven Mikuda (32CV2600239). [1] If this company serves you with a summons, respond by the deadline to avoid a default judgment.
Florida also protects a head of household earning $750 weekly or less from garnishment on consumer debts. A threat of immediate garnishment before any judgment exists misstates the law.
How The Wood Firm PLLC Helps
A discharged debt, an unpermitted credit pull, or a phantom account may violate the FDCPA, FCRA, or TCPA. We review the FTC case history, the specific lawsuit allegations, and your own documentation before recommending a claim.
The Wood Firm PLLC has handled these cases exclusively since 2011 and never represents a creditor. Learn about how we work for you and why clients choose us. We work on contingency, and contact typically stops within 48 hours after you call +1-844-638-1122.
Facing phantom debt, an unauthorized credit pull, or a debt you already discharged in bankruptcy? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency, and Bayview Solutions pays our fees if we win.
Frequently Asked Questions About Bayview Solutions
Is Bayview Solutions the same as Bayview Loan Servicing
No. Bayview Loan Servicing LLC and Bayview Asset Management are separate mortgage-related companies at bayview.com. Bayview Solutions LLC is an unrelated consumer debt buyer.
Why is my credit report showing a Bayview Solutions inquiry
BBB complaints describe unauthorized soft credit pulls the company reportedly defends as account validation under the FCRA. Whether that justification is valid is a legal question worth raising with an attorney.
Can Bayview Solutions collect a debt discharged in bankruptcy
No, collecting on a debt already discharged in bankruptcy would violate the discharge injunction if confirmed. Check your bankruptcy records to see whether this specific debt was included.
What did the FTC accuse Bayview Solutions of doing
The FTC alleged Bayview Solutions posted the debt portfolios of about 28,000 consumers online, exposing sensitive data. A court issued injunctive relief in that case, according to public records.
Can Bayview Solutions garnish my wages
Only after winning a court judgment. Florida also exempts a head of household earning $750 per week or less from garnishment on consumer debts.
How do I stop Bayview Solutions from calling
Send a cease-and-desist letter by certified mail to 111 2nd Ave NE, Suite 900, Saint Petersburg, FL 33701. After receipt, the company may only contact you to confirm the stop or notify you of legal action.
What to Do Next if Bayview Solutions Contacted You
An open FTC file and a lawsuit history alone do not prove your specific contact broke the law. Together they establish a documented history worth reviewing with an attorney before you pay anything.
Call +1-844-638-1122 for a free case review. Browse our list of collection agencies, review our practice areas, or file a complaint with the CFPB.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
