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Debt collectors like P&B Capital Group, LLC cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.


If P&B Capital Group violated the law, you will get money damages and P&B Capital Group will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is P&B Capital Group, LLC?



P&B Capital Group is a third-party collection agency, headquartered in West Seneca, NY, and started its business in 2004. P&B Capital Group is a limited liability company. According to Bloomberg, P&B Capital Group’s line of business includes collection and adjustment services. According to its website, P&B Capital Group provides nationwide consumer and commercial collection services to organizations in various industries.It appears that P&B Capital Group collects on debts owed to third parties and collects on debts that it purchases. Therefore, in some situations, P&B may be a junk-debt buyer. For example, some collection agencies buy debt for pennies on the dollar, and then collect on it. P&B collects on various debts and they are usually time-barred debts, which means they are past the statute of limitations. We’ve helped a lot of consumers deal with P&B when P&B is collecting on payday loans; debts owed to major financial institutions, such as credit cards, installment loans, auto loans; and retail store credit cards.

P&B Capital Group, LLC Address, Phone Number, and Contact Information

P&B Capital Group is located at 455 Center Road, West Seneca, NY 14224. The main telephone numbers for P&B Capital Group are 888-569-9635 and 716-891-5800. These are just two of many P&B Capital Group contact numbers.P&B Capital Group’ website is P&B Capital Group’ e-mail address is [email protected].

Phone Numbers Used By P&B Capital Group

P&B Capital Group likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers P&B Capital Group may be calling you from:

P&B Capital Group Lawsuits

If you want to know just how unhappy consumers are with P&B Capital Group, take a look at the number of lawsuits filed against P&B Capital Group on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against P&B Capital Group. When you do a search for P&B Capital Group, LLC there are over 90 lawsuits filed against P&B Capital Group. Most of these lawsuits involve consumer rights’ violations.

P&B Capital Group Complaints

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what P&B Capital Group can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If P&B Capital Group is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if P&B Capital Group violates the TCPA. Have you received a message from P&B Capital Group that sounds pre-recorded? Or, maybe the message you received from P&B Capital Group is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against P&B Capital Group.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If P&B Capital Group took unauthorized deductions from your bank account, you may have an EFTA claim. P&B Capital Group, like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money P&B Capital Group gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, P&B Capital Group must follow certain steps to comply with the EFTA. Did P&B Capital Group continue to take electronic payments after you said stop? Did P&B Capital Group take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We handled a lot of cases recently where P&B Capital Group reported debt on a consumer’s credit report. P&B Capital Group likely reports on credit reports to obtain greater leverage over the consumer. If P&B Capital Group is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay P&B Capital Group, and they delete the debt from your credit report. Even if P&B Capital Group is not on your credit report, maybe the original creditor is. If you pay off the debt to P&B Capital Group, then the original creditor, and P&B Capital Group, should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and P&B Capital Group is harassing you, you have tons of leverage to get a great settlement.


We will use state and federal laws to immediately stop P&B Capital Group debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If P&B Capital Group violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, P&B Capital Group pays our attorney’s fees and costs. If you have a TCPA case against P&B Capital Group, we will handle it based on a contingency fee.


We have helped hundreds of consumers stop phone calls from P&B Capital Group. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, P&B Capital Group pays our attorney’s fees and costs.

What If P&B Capital Group Is On My Credit Report?

Based on our experience, P&B Capital Group may credit report. That means, P&B Capital Group may mark your credit report with the debt they are trying to collect on. In addition to P&B Capital Group, the original creditor may be on your credit report. For example, if you owe Fingerhut, and P&B Capital Group is collecting on it, both Fingerhut and P&B Capital Group may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.


If P&B Capital Group is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against P&B Capital Group

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by P&B Capital Group. Below are some complaints from the Google and various consumer websites. The information on the Better Business Bureau (“BBB”) on P&B Capital Group is not currently available.There are only three reviews on Google, but they are not good for P&B Capital Group. Out of the three reviews, P&B is given a 1.3 star rating. Here’s a snippet of what the reviews on Google say:

  1. I have been with this company for 5 months! Each payment taken out has been a different charge. From $150 to 152.99 etc. It took them forever to send me an email stating information about the company. They threatened me with all kinds of information, but I held my ground. I was NOT willing to pay them anything unless they sent me information. I called today to make sure today was my last payment. Companies like this REALLY need an eye to be kept on them and customers need security and legitimate information from companies like this as well. Be professional at all times. I’m glad my time with them is over!”
  2. “People are very rude to you over the phone. And wouldn’t send any type of verification they are a real company or proof that you were making payments. The whole time i dealt with them i felt like i was being scammed and i still do.”
  3. “This joke of a company will gladly collect your money but won’t send you proof that the debt has been pain no matter how many times you call and ask them for it.”

One consumer was so upset with P&B, she posted on P&B’s public Facebook page, to let other consumers know about her interactions with P&B Capital Group:

“They keep on calling my house looking for my inlaws who had my phone number 10 yrs ago. They are rude, their employees now even call and laugh before hanging up after playing music into the line. Yes I am aware that is in an automated dialing system but the employee is in control (I worked collections for many years) of speaking after the connection is made. When you phone them back to be taken off of their list – their employees are even more ignorant and hang up. I called and stated clearly that my call to them was being recorded and monitored (Just like they do) and the man who answered told me that was illegal and hung up on me. I called back again, reaching an employee name David who was very polite and said my number would be removed from the list. After a google search of your practice – I’ve seen many lawsuits that have been won over the harassment to people. It is not my job to give out other peoples phone numbers. I did not run any debts up so I am not obligated in any way shape or form to help you in your skip trace searches. Supposedly, you removed my phone number from your list months ago – which is untrue as you call constantly. One more time, and Yes it is legal to state that you are recording (It is illegal to do so without letting the other party know) and I will be filing a harassment lawsuit on you as well.”

Reviews and complaints on Ripoff Report don’t get any better for P&B Capital Group. One consumer’s complaint is below:

“Received a call this afternoon from a local number 818-668-3600. When i answered the call, it was a company in new york. I dont know how they are calling from a CA phone number and are located in NY. It is Illegal.When answered, they were saying i them money, i told them i never heard about them. they shouted and yelled at me that i owe them money. that i owe them $4,500.I have asked them to send me something in writing to show me that i owe them money. The lady started shouting and yelling on the other side of the phone, saying they know where i live and that i owe them money. she then hung the phone.I got a bit scared !!!I tried calling the number again, and no one would give me their address.I will be filing a police report against them.I will also file a complaint with the FTC (Federal Trade Commission)I encrouge anyone getting a call from them those crooks a call, to do the same”

Cases We Have Handled Against P&B Capital Group


Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against P&B Capital Group:

  1. Orlando S. v. P&B Capital Group. Orlando lives in Virginia and P&B Capital Group was attempting to collect on a debt originally owed to Santander. In this case, P&B Capital Group was calling Orlando on his cell phone. P&B called from 716-558-5870 and was calling Plaintiff twice a day, every day. On at least two occasions, P&B called and left voicemails for Orlando that did not comply with the Fair Debt Collections Practices Act because P&B did not state that they were calling in an attempt to collect a debt. Orlando also took these voicemails to mean that P&B would take legal action against him. P&B also called Orlando’s brother and misrepresented themselves as friends that served in the military with Orlando. Based on all of this, we alleged that P&B violated the Fair Debt Collection Practices Act.
  2. Susan S. v. P&B Capital Group. Susan lives in Pennsylvania and P&B Capital Group was calling attempting to collect on a debt originally owed to Chase Bank, which was a debt that was past the statute of limitations. In this case, P&B calling Susan and discussed settlement offers with her to settle her debt. P&B’s representative, however, did not disclose to Susan that her debt was past the statute of limitations, and did not disclose the last date of activity on the account. P&B’s representative also did not inform Susan that a partial payment on an account past the statute of limitations may restart the statute of limitations and expose her to the potential of litigation. In this case, we alleged that is the P&B’s policy and practice to collect on debts past the statute of limitations without disclosing to the consumer that the debt is time barred. Therefore, we alleged that P&B Capital Group violated the Fair Debt Collection Practices Act.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us.

“I was very happy with the professional and swift handling of my case. They were very informative in answering all my questions and I would highly recommend them to any who would require assistance.”

“I had a great experience with this law firm. The attorney that handled my case was very professional. It was a swift process, and the attorney and/or staff answered email when I asked questions very prompt. I recommend this firm to my friends and family. Thank you for all of your help.”

“Agruss Law Firm did exactly what they said they’d do. The calls stopped, I got money for the harassment, and I did not have to pay a penny out of my own pocket for their services. Great job!”

Can P&B Capital Group Sue You?

Although anyone can sue anyone for any reason, we have never seen P&B Capital Group sue consumers. It’s likely P&B Capital Group does not sue because they do not always own the debt they are collecting on. Also, P&B Capital Group would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely P&B Capital Group collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Midland Credit Management is one of the largest junk-debt buyers. Midland Credit Management collects on debt and also sues on debt. The opposite is true with P&B Capital Group. Therefore, it would be very unusual if P&B Capital Group sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If P&B Capital Group has threatened to sue you, call us. We can help.

Can P&B Capital Group Garnish Your Wages?

No, not unless they have a judgment. If P&B Capital Group has not sued you, then P&B Capital Group cannot get a judgment. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen P&B file a lawsuit against a consumer. So, P&B Capital Group cannot garnish your wages, minus the exceptions listed above. If P&B Capital Group has threatened to garnish your wages, contact our office right away.

P&B Capital Group Settlement

If you want to settle a debt with P&B Capital Group, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will P&B Capital Group remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I get something in writing from P&B Capital Group confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with P&B Capital Group, the folks at Agruss Law Firm are here to help you.

Share Your Complaints About P&B Capital Group Below

Post your complaints about P&B Capital Group. Sharing your complaints about P&B Capital Group will help other consumers know what to do when P&B Capital Group starts calling. Sharing your experience may help someone else.

HERE’S THE DEAL!If you are being harassed by P&B Capital Group over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Agruss Law Firm at 888-572- 0176 to stop the harassment once and for all.

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