How to Remove P&B Capital Group From Your Credit Report

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If P&B Capital Group, LLC is showing up on your credit report, it likely means you have a debt that’s been turned over to collections. Here’s what that means for your credit—and how to work toward getting it removed.

Who Is P&B Capital Group, LLC?

P&B Capital Group is a debt collection agency based in West Seneca, New York. They work with businesses to collect unpaid debts when the original creditor has been unsuccessful in recovering the balance.

If your account has been placed with P&B Capital Group, the collection account may appear on your credit report, which can lower your credit score.

Who Does P&B Capital Group Collect For?

P&B Capital Group collects debts on behalf of:

  • Credit card companies
  • Personal loan lenders
  • Auto loan companies

If you’ve fallen behind on payments in any of these areas, P&B Capital Group may be trying to collect the debt.

Is P&B Capital Group a Scam?

P&B Capital Group, LLC is a legitimate debt collection agency. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as incorrect or outdated information can appear on your credit report.

How to Remove P&B Capital Group From Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but you have options to address them:

  • Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
  • Request debt validation: You can ask P&B Capital Group to prove the debt is yours and confirm the amount.
  • Negotiate a pay-for-delete: Some collection agencies may agree to remove the account if you settle the debt. Always get written confirmation.
  • Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay P&B Capital Group?

Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.

Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection accounts.

Can P&B Capital Group Sue or Garnish Wages?

Debt collectors like P&B Capital Group can sue to recover unpaid debts. If they win a court judgment, they may be allowed to garnish wages or levy bank accounts, depending on your state’s laws.

That said, lawsuits are typically a last resort. Most collection agencies try to resolve debts through payment plans or settlements before pursuing legal action.

P&B Capital Group Contact Information

Address:
P&B Capital Group, LLC
455 Center Road, Suite 1
West Seneca, NY 14224

Phone: (888) 569-9635

Complaints About P&B Capital Group

Many debt collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:

  • Incorrect information on credit reports
  • Harassment or repeated phone calls
  • Failure to validate debts

If your rights are being violated, you can submit a complaint to the CFPB or the BBB.

Know Your Rights Under Federal Law

The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:

  • They cannot report false or incomplete information.
  • You can request debt validation within 30 days of first contact.
  • They cannot harass, threaten, or use abusive language.
  • They must clearly identify themselves as a debt collection agency.
  • They cannot threaten arrest for unpaid debts.

Get Help With P&B Capital Group Collections

Dealing with collection accounts can be stressful, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.

Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.

Brooke Banks
Meet the author

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.