P&B Capital Group Phone Harassment?

🚨Understanding P&B Capital Group Phone Harassment

P&B Capital Group, LLC (often searched as P&B Capital Group, P&B Capital, or even PB Capital Group) is a third-party debt collection agency based in West Seneca, New York. Established in 2004, the company has grown into a mid-sized accounts receivable management agency.

P&B Capital Group collects debts on behalf of a variety of creditors, including credit card companies, personal loan lenders, and auto finance providers. While P&B Capital Group LLC is a legitimate debt collector, it has attracted numerous consumer complaints. Many reports accuse the agency of aggressive collection tactics, misleading communication, and repeated P&B Capital Group phone calls that may violate the Fair Debt Collection Practices Act (FDCPA).

If you’ve ever searched what is P&B Capital Group or who does P&B Capital Group collect for, the short answer is that it acts as a middleman—purchasing or servicing debts for lenders and creditors, then pursuing repayment from consumers.

🔍Who is P&B Capital Group?

P&B Capital Group is a third party collection agency and debt collector located in West Seneca, New York. Established in 2004, the company is a mid-sized accounts receivable management provider that has recorded a massive 2000% growth rate in the last five years.

📞Contact Information

Address: 455 Center Rd Ste 1

West Seneca, NY 14224-2100

Phone: (716) 891-5800

Other Reported Numbers: 888-569-9635, 877-743-9600, 855-339-5442, 1-888-351-0838

Consumers often report receiving P&B Capital Group text messages or calls from unfamiliar toll-free numbers. If you suspect harassment, you can request all communication in writing.

💢Is P&B Capital Group a Scam?

Many people type queries like “Is P&B Capital Group a scam?” or check P&B Capital Group reviews online after receiving a call.

The truth: P&B Capital Group is a legitimate debt collector. They are licensed and registered, but like many agencies, they have numerous consumer complaints. Common concerns include:

• Aggressive calling tactics

• Threats of lawsuits or wage garnishment

• Incorrect debt reporting

According to P&B Capital Group LLC reviews and even BBB complaints, consumers often report harassing calls or disputed debts. While the company itself is not a scam, you should always verify the debt and protect your rights under the FDCPA.

💵Can P&B Capital Group LLC Garnish My Wages?

One of the most common consumer questions is: “Can P&B Capital Group garnish my wages?”
The answer is yes — but only under certain conditions.

P&B Capital Group cannot automatically take money from your paycheck. To garnish wages, they must file a lawsuit, win a judgment in court, and then obtain approval to collect through your employer. Wage garnishment is typically used to recover debts such as:

• Credit card balances

• Federal student loans

• Unpaid taxes

• Child support obligations

If you’re facing a potential P&B Capital Group lawsuit, it’s important to act quickly. Ignoring calls or court notices could result in a default judgment, giving them the right to garnish wages.

Debt Collection Practices

Consumer complaints against P&B Capital Group debt collection highlight a range of troubling practices:

• Repeated calls and text messages (sometimes referred to as P&B Capital Group text message harassment).

• Threats of lawsuits or wage garnishment, creating fear and pressure.

• False statements about credit reports or balances owed, misleading consumers.

• Calling at inconvenient times or at workplaces, which can cross into harassment.

These behaviors are why searches like P&B Capital Group reviews, P&B Capital Group lawsuit, and even credit card harassment complaint are common. Although P&B Capital Group LLC is licensed and real, their collection methods have raised red flags for regulators and consumers alike.

⚠️P&B Capital Group Phone Harassment❓

Are you receiving repeated calls or even text messages from P&B Capital Group? The agency also operates under names like P & B Capital or PNB Capital Group LLC. If you’re getting calls from these numbers, it’s likely related to a credit card debt, personal loan, or auto loan.

Third-party debt collectors such as P&B Capital Group (sometimes mistakenly called PNB Capital Group) are legally allowed to contact debtors. They may reach you through phone calls, emails, or text messages. However, when these contacts turn into constant or harassing communication, they can violate your rights under federal law.

If you’ve searched how to resolve a debt with P&B Capital Group, remember: you have options. Under the law, you can demand written validation of the debt, dispute inaccuracies, and even stop collection calls by asserting your rights.

📌 Many consumers looking up P&B Capital Group LLC reviews or P&B Capital Group lawsuit are those who’ve experienced harassing calls, misleading claims, or aggressive collection tactics. If this sounds familiar, you may have a valid harassment case.

⚖️Your Rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) protects you from abuse, threats, and false claims made by debt collectors. Complaints against P&B Capital Group often cite violations such as unlawful threats, calls at odd hours, or discussing debts with third parties.

Here’s what you should know if P&B Capital Group debt collection agents are contacting you:

• Proper identification: A collector must clearly identify themselves as working for P&B Capital Group LLC and provide their business address.

• Debt validation: You have the right to request details like the original creditor’s name, the total balance, and proof of the debt.

• No harassment: If P&B Capital Group is calling you repeatedly or using profanity, that’s considered harassment.

• Limited call frequency: They cannot call you multiple times a day or at inconvenient hours.

• Privacy protection: They cannot disclose your debt to friends, family, or employers.

• Written communication: You may also request written contact only if calls have become overwhelming.

💡 If you’re unsure whether the calls are legitimate or even wonder what is P&B Capital Group really allowed to do?, knowing these FDCPA protections can help you recognize violations and respond confidently.

P&B Capital Group Reviews

Looking for P&B Capital Group LLC reviews? Many consumers share mixed experiences online. Some say the company follows proper procedures, while others report P&B Capital Group phone harassment or repeated calls about personal business matters.

Common complaints include:

• Text messages and robocalls from P&B Capital Group

• Calls about debts they didn’t recognize

• Difficulty reaching the company at their P&B Capital Group phone number

• Issues with debts reported to credit bureaus

Some consumers compare P&B to other agencies, like First Capital Group debt collector reviews, to check credibility. There are also mentions of P&B Capital Group lawsuits, often tied to FDCPA violations or aggressive collection tactics.

If you’re contacted by P&B, always request written debt validation and keep records of calls or messages. This protects your rights and ensures you aren’t paying debts incorrectly.

💡Recognizing P&B Capital Group Phone Harassment

P&B Capital Group phone harassment can appear in many forms, from repeated phone calls to threatening messages or false claims. If you’re experiencing any of these behaviors from P&B Capital Group, it’s essential to recognize the signs and act quickly. Common indicators include:

• Repeated calls and texts: Multiple calls per day or week from P&B Capital Group phone numbers may indicate harassment.

• Threatening language: Statements like threatening to sue you or damage your credit report are red flags.

• False threats: Claims that you could be arrested or assets seized are illegal and misleading.

• Unfair practices: Calling you at work, contacting family members, or sending P&B LLC text messages about debts.

Recognizing these behaviors is the first step in protecting your rights. Stay calm and document every interaction to build evidence for legal or regulatory action.

🛡Signs of P&B Capital Group Phone Harassment and Abuse

Consumers experiencing P&B Capital Group debt collection harassment may face:

• Disruptive calls and messages that create stress

• Threats of wage garnishment or lawsuits

• False or misleading debt claims causing confusion

• Contact at inconvenient hours or at work

These abusive practices can affect your personal and professional life. Knowing the signs helps you respond effectively and protect yourself.

📉Impact of P&B Capital Group Phone Harassment on Consumers

Harassment from P&B Capital Group can lead to:

• Emotional distress and anxiety

• Decline in mental health and overall well-being

• Damage to credit scores or credit reports

• Difficulty securing loans, housing, or employment

• Financial strain from aggressive collection tactics

Understanding your rights under the FDCPA is critical. Taking professional advice ensures that your debt issues are handled fairly and legally.

⛓️Suing P & B Capital Group

If you believe P&B Capital Group has violated your consumer rights, you may be able to sue them. Here are some steps to take:

• Document everything: Keep a record of all interactions with P&B Capital Group, including dates, times, and details of conversations. This documentation can be crucial evidence if you decide to take legal action.
• Request validation: Request validation of the debt from P&B Capital Group to ensure it’s legitimate. This step is important to confirm that the debt they are trying to collect is actually yours.
• Seek legal advice: Consult with an attorney who specializes in debt collection harassment cases to determine the best course of action. An experienced lawyer can provide guidance on your rights and the viability of your case.
• File a lawsuit: If you decide to sue P&B Capital Group, your attorney can help you file a lawsuit and seek compensation for any damages. Legal action can be a powerful way to hold the debt collector accountable and protect your consumer rights.

Taking these steps can help you address any violations of your rights and potentially receive compensation for any harm caused by P&B Capital Group’s actions.

📝Filing a Complaint

If you believe P&B Capital Group has violated your consumer rights, you can file a complaint with the relevant authorities. Here are some steps to take:

• Contact the (CFPB): The CFPB is responsible for regulating debt collection agencies and can investigate complaints. You can file a complaint online through their website.
• Contact the Federal Trade Commission (FTC): The FTC is responsible for enforcing the Fair Debt Collection Practices Act (FDCPA) and can investigate complaints. Filing a complaint with the FTC can help ensure that your concerns are addressed.
• Contact your state’s Attorney General: Your state’s Attorney General may also be able to investigate complaints and take action against P&B Capital Group. Each state has its own process for filing complaints, so check your state’s Attorney General’s website for specific instructions.

Filing a complaint with these authorities can help protect your rights and hold P&B Capital Group accountable for any violations of fair debt collection practices.

📲P&B Capital Group Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

716-891-5800, 888-569-9635, 877-743-9600, 312-445-0291, 760-851-0024, 503-867-8805, 406-534-0527, 718-283-4210, 716-891-5800, 888-569-9635, 877-743-9600, 312-445-0291, 760-851-0024, 503 867-8805, 406-534-0527, 718-283-4210, 716-891-5800, 888-569-9635, 877-743-9600, 312-445-0291, 760-851-0024, 503-867-8805, 406-534-0527, 718-283-4210, 239-330-4357, 888-569-9635, 1-855-458-1678, 855-270-8234, 234-888-3553

If the answer is yes, then you are receiving calls from a known P&B number. You may be a victim of P&B Capital Group phone harassment. Call us now!

P&B Capital Group Phone harassment Complaints

The following is a sample list of P&B Capital Group Phone harassment complaints in the past year and can be found on Pacer.gov.

2:15-cv-00032-SEH Marchion v. P&B Capital Group

1:11-cv-00012-C Tharp v. P&B Capital Group

2:10-cv-00191-DGC Dantaylor-King v. P&B Capital Group

4:12-cv-00144-DCB Myers v. P&B Capital Group

8:14-cv-01430-JLS-RNB Tina Kaloustian v. P&B Capital Group

About Us

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing P&B Capital Group Phone harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop P&B Capital Group Phone harassment you may currently be receiving from P&B Capital Group. Our office has been assisting consumers since 2010.

Success Stories

• Amazing! My experience was very quick and easy and I got a nice settlement in no time. Also, their word was kept as far as not paying any fees. Zero out of pocket, and great settlement in return. 5 stars!
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• Absolutely a 5-star experience! If I could give 10, I would. The relentless calls I was receiving (over 100 times in a single month from countless numbers!) were truly out of control. Thankfully, I reached out to Consumer Rights Lawfirm and had the pleasure of speaking with Scott.

FAQs

Who is P&B Capital Group and why are they calling me?

P&B Capital Group LLC is a licensed debt collection agency in West Seneca, NY. They contact you if a creditor believes you have a past-due account.

Is P&B Capital Group a legitimate company or a scam?

They are legitimate, BBB-accredited, and follow FDCPA rules. Some consumers check “P&B Capital Group reviews” before responding.

Does P&B Capital Group harass people with phone calls?

Some consumers report repeated calls, texts, or robocalls, which may qualify as P&B Capital Group phone harassment.

Can P&B Capital Group call me at work or during odd hours?

No. FDCPA rules prevent calls to your workplace or outside 8 a.m.–9 p.m. local time.

What counts as P&B Capital Group phone harassment?

Repeated calls, threats of lawsuits or wage garnishment, abusive language, or ignoring debt validation requests.

What are my rights if P&B Capital Group is harassing me?

You can document contacts, request debt validation, send a cease-and-desist letter, file complaints, or sue under FDCPA/TCPA.

Can I sue P&B Capital Group for abusive calls or robocalls?

Yes. FDCPA allows up to $1,000 per violation, plus damages and attorney fees; TCPA covers $500–$1,500 per robocall.

Will phone harassment from P&B Capital Group affect my credit score?

Yes. They can report debts to credit bureaus. You can dispute any inaccurate information.

How can I make P&B Capital Group stop contacting me?

Send a certified cease-and-desist letter. If calls continue, file complaints with CFPB, FTC, or your state attorney general.

Who should I contact if P&B Capital Group violates my rights?

Report violations to CFPB, FTC, or your state attorney general. You can also consult a consumer lawyer.

How do I verify if P&B Capital Group is calling about a real debt?

Ask them for written debt validation, including the original creditor, amount owed, and proof of your account. This helps confirm the debt is legitimate before paying anything.

What should I do if P&B Capital Group threatens to sue me?

Stay calm, request the threat in writing, and review the statute of limitations. Consult a consumer protection attorney before making any payments.

Can I negotiate a payment plan with P&B Capital Group?

Yes. You can contact them to set up a reasonable payment plan or settle for less than the full balance. Always get agreements in writing.

What if P&B Capital Group keeps calling after I send a cease-and-desist letter?

Document all calls, note the date and time, and report violations to CFPB, FTC, or your state attorney general. You may also pursue legal action for continued harassment.

Are there alternatives to paying P&B Capital Group immediately?

Yes. You can dispute the debt if it’s inaccurate, request verification, or negotiate settlements. Avoid paying until you fully understand your rights and the debt’s validity.