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

P&B Capital Group, LLC has collected consumer debt from West Seneca, New York since 2004, pursuing credit card balances, personal loans, and auto debt for third-party clients including RISE and Sunup Financial.

With 145 BBB complaints in three years and 90+ federal cases filed against them, their documented issues center on threatening lawsuits they do not file and disclosing debt information to third parties.

Consumer attorneys who have tracked P&B extensively report they have not seen the company file a single lawsuit against a consumer, despite threatening litigation regularly as a collection tactic.

Who Is P&B Capital Group?

P&B Capital Group, LLC is a BBB-accredited debt collection agency with a B rating and 145 CFPB complaints on record. Over 90 federal PACER cases name them as a defendant, with litigation centering on misleading collection letter language, deceptive representations, and third-party disclosure violations. New York has a 6-year statute of limitations on written contracts.

Threatening Lawsuits They Do Not File

A documented January 2017 CFPB complaint describes a P&B representative calling about a credit card debt that was beyond the statute of limitations, had never been validated in writing, and did not appear on the consumer’s credit report. The representative threatened a lawsuit in the consumer’s county if payment was not made immediately.

A second documented CFPB complaint describes a consumer who asked for written verification. A P&B representative said verification had already been sent, then cut the consumer off mid-sentence, accused them of “playing games and using stall tactics,” threatened litigation, and hung up.

Consumer attorneys who have documented P&B’s behavior specifically note they have not observed P&B actually filing a lawsuit against a consumer. Threatening lawsuits that are never filed is a direct violation of FDCPA Section 1692e(5), which prohibits threatening action not intended to be taken.

Disclosing Debt to Third Parties

A documented BBB complaint describes P&B sending a text message to a consumer’s friend offering a “balance reduction” on the consumer’s debt. The consumer had never provided P&B with that person’s phone number.

FDCPA Section 1692c(b) prohibits communicating with third parties about a consumer’s debt beyond what is necessary to locate the consumer. Texting a third party with account balance information is a documented P&B violation pattern.

If P&B has contacted any person in your life about your debt, document who was contacted, when, and what was communicated.

The Safdieh Case and Misleading Letter Language

In Safdieh v. P&B Capital Group, LLC, a federal court addressed an FDCPA claim under Section 1692e(10) based on misleading language in a P&B collection letter. Additional documented federal cases named Thomas, Cunningham, and Ehrlich involve similar issues around collection letter wording and deceptive representations.

If you receive a P&B collection letter that implies a lawsuit has already been filed, that legal review is underway, or that immediate action is required to avoid court, read carefully. Urgent language in a letter is not the same as an actual filed lawsuit. Ask P&B in writing for the court name, case number, and filing date before treating any letter as a litigation notice.

P&B Has a Dispute Portal

Unlike many collectors, P&B operates a Dispute Resolution Center on their website where consumers can submit account disputes online. Keep a copy of anything you submit through the portal. If P&B later claims they never received a dispute, your submission record is your evidence. For higher-stakes disputes, certified mail remains the more defensible method.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original creditor’s name, the account number, the balance at charge-off, and confirmation that P&B is authorized to collect for that specific creditor. For any account P&B claims is delinquent, confirm whether the debt even appears on your credit report before engaging further.

New York’s 6-year statute of limitations is relevant: the 2017 documented complaint shows P&B threatening litigation on a debt the consumer stated was beyond the applicable statute of limitations. Confirm the date of last payment before responding.

Your Options Before Paying or Responding

Given their documented pattern of threatening lawsuits they do not file, consumers who receive litigation threats from P&B should treat them with skepticism and document them carefully:

• Ask for the court name and case number in writing if P&B threatens a lawsuit. If no case exists, that threat is an FDCPA violation.
• Document any third-party contact immediately. The BBB text message complaint shows P&B disclosing balance information to people consumers never authorized. Date, content, and recipient all matter.
• Use P&B’s dispute portal as a supplement, not a replacement, for certified mail. Keep copies of all submissions.
• File with the New York AG in addition to CFPB. The New York Attorney General’s Bureau of Consumer Frauds and Protection accepts complaints at (800) 771-7755.

How to Contact P&B Capital Group

• Address: P&B Capital Group, LLC, 455 Center Road, Suite 1, West Seneca, NY 14224
• Phone: (888) 569-9635 or (716) 891-5800

Bottom Line

P&B Capital Group threatens lawsuits they reportedly do not file, texts third parties with consumers’ debt information, and uses collection letters with language courts have found potentially misleading. Their complaint volume is substantial for a collector their size, with 145 complaints in three years.

If P&B has threatened litigation, ask for the case number in writing. If they have contacted anyone in your life about your debt, document it and file a CFPB complaint immediately.