P&B Capital Group Collections Complaints? We Stop Calls and Harassment.

We help consumers who have complaints about collection harassment.

P&B Capital Group LLC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is P&B Capital Group?

P&B Capital Group, LLC (P&B) is a third-party collection agency based in New York. P&B has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If you have been contacted by P&B, make sure you understand your rights before responding.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is P&B Capital Group a scam?

The Better Business Bureau (BBB) hosts a profile page for P&B Capital Group, LLC; however, their information on P&B is being updated, and no report is currently available. A search for P&B on the Buzzfile website does not return any results.

According to its own website, P&B “was established in 2004 with the intention of bridging the gap between creditors and consumers.” P&B claims its policies and procedures are designed to “ensure the consumer is satisfied with the resolution, not the creditor alone.”

P&B’s website does not indicate the specific industries for which it collects past due financial obligations, not does it offer specific information about its collection practices. Instead, P&B describes its overall approach to collections. P&B describes itself as a “company that understands that unforeseen circumstances can occur in consumers’ lives, leaving their finances in turmoil.” As a result, P&B “offers consumers resolutions that allow them to pay off their debts in a case-specific fashion, helping them to alleviate the stress of outstanding debt and enabling them to once again get their credit moving in a positive direction.”

Similarly, P&B Capital Group describes compliance “policies and procedures that demand professional and considerate behavior from our representatives at all times.” They also cite several professional awards, including a nomination for “Small Business of the Year for 2008; …and the Certificate of Merit from the New York State Assembly recognizing…achievements and contributions to the Western New York Community.”

P&B Capital Group encourages dissatisfied consumers to submit complaints using their online Dispute Resolution Center. Their Information Center warns site visitors to be careful of information on the internet, which is notoriously unreliable. However, there are no links or references to official consumer protection resources, laws, or enforcement agencies.

How many complaints are there against P&B Capital Group?

As of November 2017, the BBB has given P&B Capital Group a rating of NR (No Rating). Currently, they are not providing any information about consumer complaints. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 21 complaints about P&B, and Justia lists at least 4 cases of civil litigation involving P&B Capital Group.

Can you help me file a No Fee Lawsuit against P&B Capital Group LLC?

Absolutely. Here are some Sample Cases against P&B Capital Group LLC

Complaints against P&B Capital Group commonly cite fairly serious violations of the FDCPA. In January 2017, a complainant indicated that P&B representatives had contacted him regarding an unsecured credit card debt. When he expressed an inability to agree to repayment terms, P&B allegedly threatened to take his “property including homes and…pension and savings plans.”

Also in January 2017, a complainant indicated she began receiving phone calls “numerous times a day on numerous phone numbers (home, cell, work) but never a message.” When she called the number back to determine the reason for the call, she requested that the representative identify the company and the reason for their calls. Allegedly, the representative “became very irate,” and the complainant received “verbal abuse for about 4 minutes.” Subsequently, the complainant requested debt verification, but the representative allegedly told her P&B had “already sent the information.” The complainant asked the representative to verify her mailing address, but the representative allegedly told her that she knew P&B Capital Group already had the correct information; that “they have verification of when things are delivered; and that the complainant can’t lie her way out of this by saying she didn’t receive the documentation.” The representative also allegedly “blatantly refused to verify or update her address.” After a heated exchange, the complainant hung up, called back, and confirmed with a different representative that they had the wrong address information on file.

In June 2016, a complainant indicated he had begun receiving calls from P&B Capital Group that did not identify the caller. Soon thereafter, he received a voice mail “threatening… a lawsuit in his county if he doesn’t immediately take care of” the delinquency. The complainant had “received nothing in writing, no validation of debt, and this is far beyond the five-year statute of limitations even if it is a debt he may” have owed. The complainant also indicated that the debt did not show on his credit report, so he does not believe it exists.” He concluded his complaint by indicating that the “number is a VOIP number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.”
P&B did not provide timely responses to these consumer complaints.

P&B Capital Group LLC Contact Information

P&B Capital Group, LLC
455 Center Rd.
West Seneca, NY 14224
Telephone: (888) 569-9635
Website: http://www.pandbcapitalgroup.com/

P&B Capital Group Calling You?

Understanding Your Debt Collection Rights

The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.

In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a collection agency.

Want to Stop P&B Capital Group Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.

What Our Clients are Saying

“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”

“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”

“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”

Can You Help Me Delete P&B Capital Group from My Credit Report?

We can absolutely help. Call us today.

Can Your Firm Help me Deal with P&B Capital Group?

The short answer is yes. Contact us now to find out more.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • James Gilliam

    P&B is one of several firms attempting to collect a debt charged off and sold to a junk debt buyer. I’m a second year law student at the University of London and after today receiving a collection letter from them I would like to share my reply:

    Laura a. Gilliam
    75 West Street
    Warwick, New York 10990

    August 18, 2018
    Certified Mail/Return Receipt Requested
    No. 7015 1520 0000 4227 9713

    P&B Capital Group, LLC
    455 Center Road
    West Seneca, NY 14224

    RE: Your File No. 4979611 – Original Account No. 7981924337618532 – Disputed Amount $3594.11

    Your unsigned form letter dated August 8, 2018, states the above captioned note has been referred for collection on behalf of Second Round Sub LLC who purchased the original note from Synchrony Bank.

    This conclusory statement does not provide the mandatory proof of the identity of the true holder of the alleged debt and therefore, the ONLY person who can lay claim to this disputed contract is the true Note holder in due course and that true Note holder is no longer Synchrony Bank – nor is it by assignment – Second Round or P&B Capital Group.

    In this case, Synchrony Bank sold the debt to Second Round Sub LLC thereby relinquishing its interest and therefore, is no longer a real party in interest.

    Regarding Second Round and P&B, the law of privity of contract generally states that a party cannot enforce a contract he or she is not a party to, see Gifford v. Corrigan, 117 N.Y. 257, 22 N.E. 756 (1889) (“…recovery by third party beneficiary is based on equities of the transaction…”).

    Even if your firm claims to be a party by assignment of the debt – the claim will fail for lack of consideration.

    The Fair Debt Collection Practices Act states in pertinent part: (“…the debt collector cannot collect any amount of money that is not permitted by law or by the agreement … when there is no agreement between the collector and the alleged debtor, no collection can be sustained.”).

    Here, there has been no agreement between either P&B or Second Round and Laura Gilliam, and therefore, you are attempting to collect a debt based on fraud.

    This alleged debt operates contra to General Business Law §349. In Oswego Laborers’ Local 214 Pension Fund v. Marine Midland Bank, 85 NY2d 20 (“The essential elements of a cause of action alleging consumer fraud in violation of General Business Law §349 are that the defendant (the possible future plaintiff P&B Capital) engaged in a consumer-oriented misleading practice and that the plaintiff (defendant in this case Laura Gilliam) was injured thereby.” (Parentheticals added) … In reinstating the union’s consumer fraud claim the Court of Appeals noted (“…that in enacting General Business Law §349, the Legislature sought to protect the consuming public from deceptive practices aimed at them….The practices proscribed by the statute are those likely to have a broader impact on consumers-at-large.”). Although, aware of a potential flood of litigation, the court concluded in (Oswego) (“…insofar as the bank allegedly steered the union into a less advantageous account without providing full disclosure of the pertinent facts, the plaintiff had alleged a viable claim of consumer fraud.”).

    And as the Court of Appeals reasoned in Teller v. Bill Hayes, Ltd. (213 AD2d 14) (“…the typical act of consumer fraud involves an individual consumer who falls victim to a commercial entity or entities which enjoy a ‘disparity of bargaining power.’”).

    As of this writing, there is insufficient specificity in your, demand letter. See Marine Bank, 25 Pa. D. & C.3d at 267-69. (“…defendant is entitled to know the dates on which individual transactions were made, the amounts therefore and the items purchased to be able to answer intelligently and determine what items he can contest.”).

    Credit card contracts are not transferable and selling a contract extinguishes all rights under the contract unless the Consumer – in this case Laura Gilliam – agrees to amend such contract (a counteroffer) on the terms of accepting a new party – Second Round or P&B – as the holder in due course.

    Here – Laura Gilliam did not enter into any such agreement with Second Round or P&B – therefore, neither Second Round or P&B – as a point of law – can legally recover a debt charged off by SYNCHRONY BANK and sold to Second Round.

    In other words: in the absence of acceptance of any counter offers, there is no valid and enforceable contract between Second Round or P&B and Laura Gilliam. See Normile v. Miller, 313 N.C. 98, 108, 326 S.E.2d 11, 18 (1985) (“… a counter offer requires the original offeror to either accept or reject the new offer in order to have a binding contract…”); see also Metro. Steel Indus., Inc. v. Citnalta Constr. Corp., 302 A.D.2d 233, 233, 754 N.Y.S.2d 278, 279 (App. Div. 1st Dep’t 2003) (“…no contract existed where one party made an offer, and the other party returned it with changes, and the original offer or never formally accepted the counteroffer…”). Here, in your letter, “…If you are unable to send in the balance in full please call our office at the toll free number below to make other arrangement.” is taken to be a ‘counteroffer’ and is categorically rejected.

    Until such time as either Second Round or P&B can provide documentation – acceptable to a New York court of competent jurisdiction – that an enforceable contract exists – legally binding on Laura Gilliam – there is no, cognizable, case for her to answer – put simply, the case is not yet ripe for adjudication.

    The United States Supreme Court introduced the ripeness doctrine in Williamson County Regional Planning Commission v. Hamilton Bank 473 U.S. 172 (1985). See also, Sirob Imports, Inc. v. Peerless Insurance Company, 2013 U.S. Dist. Docket No. 13-3144-cv (E.D. NY, 8/2/13) and THE BANK OF NEW YORK MELLON, et al., v. CITY OF RICHMOND, et al., Case 3:13-cv-03664-CRB (N.D. Cal. 11/06/13) (“A district court may dismiss a lawsuit for lack of subject matter jurisdiction. Fed. R. Civ. P. 12(b)(1). District courts should dismiss for lack of subject matter jurisdiction if the case is not yet ripe for determination. Verizon Cal. Inc. v. Peevey, 413 F.3d 1069, 1084 (9th Cir. 2005). The ripeness doctrine is “particularly a question of timing” that is designed to “prevent the courts, through avoidance of premature adjudication, from entangling themselves in abstract disagreements.”).

    As of this writing your firm has neither personal nor subject matter jurisdiction to bring legal action against Laura Gilliam, also, you have failed to state a cause of action for which relief could be granted. See Lake Charles Retail Development LLC v U.S. Bank National Association … Case No. 13-44093 (NHL) UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF NEW YORK September 30, 2014, 18.

    Civil cases are decided on the ‘balance of probabilities’ not the more stringent burden in criminal cases of ‘beyond reasonable doubt’, however, in both – the burden of proof rests squarely upon the shoulders of the plaintiff.

    Therefore, if your decision is to proceed to legal action in a New York court of competent jurisdiction – I await effective legal service of your complaint. Otherwise, I shall consider the matter closed.


    75 West Street
    Warwick, New York 10990-1428

    These guys can be beat at their own illegal game – assert your rights.

    Jim Gilliam 2L

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