If Pendleton Capital Management, Inc. is calling you, the first thing to check is who they say they are and what debt they claim you owe. This company is tied to a BBB profile in Amherst, New York, and public court filings show it has also been identified alongside the name Integrated Recovery Services Inc. That name issue matters because some consumers may think they are dealing with two different companies when the records suggest the names have been used together.
If the calls feel aggressive, if relatives are being contacted, or if the account does not look familiar, do not rush into payment. Ask for the account details in writing first. That gives you a stronger position than reacting to pressure on the phone. For help reviewing a Pendleton account, call Consumer Rights Law Firm PLLC at +1 877 700 5790.
Who Pendleton Capital Management Is
Pendleton Capital Management Inc. is a New York collection agency with a BBB business profile in Amherst, New York. BBB currently shows the business as not BBB accredited and gives it a D- rating, with the page stating that one reason for the rating is failure to respond to several complaints.
One of the most important facts about this company is the name overlap found in public litigation. In Chester v. Pendleton Capital Management Inc., a public complaint filing says the company changed its name from Integrated Recovery Services Inc. to Pendleton Capital Management Inc. and regularly used both names in its dealings with the public. That gives this company a very specific article angle: identity confusion and written verification before payment.
Pendleton Capital Management Phone Number
The strongest public contact details tied to Pendleton are:
| Item | Details |
| Legal Name | Pendleton Capital Management Inc. |
| BBB Location | Amherst, New York |
| BBB Address | 3840 E Robinson Rd Ste 224, Amherst, NY 14228-2001 |
| BBB Phone | (833) 808-0981 |
| Other Public New York Address | 6523 S Transit Rd, Lockport, NY 14094 |
These details come from the BBB profile and public New York business records. Because public records show both Amherst and Lockport addresses, it is smart to match the address on any letter to the notice you actually received before acting on it.
Is Pendleton Capital Management Legitimate?
Pendleton appears to be a real operating collection company, not a fake name. It has a BBB profile, public state filing records, and a visible litigation trail. That still does not mean your specific debt is correct. A real collection company can still contact the wrong person, report the wrong balance, or rely on incomplete records.
That is why the better question is not only whether Pendleton is real. The better question is whether the account details are accurate and clearly documented.
Why Pendleton May Be Calling You
If Pendleton is contacting you, it usually means a creditor or debt owner believes you owe a past due account. But with this company, a more useful concern is often whether the name on the call matches the name on the letter and whether the debt can be verified clearly in writing. The CFPB advises consumers to confirm the collector’s name, company name, street address, and information about the debt before paying.
If you do not recognize the account, ask for:
- The creditor name
- The amount claimed
- The account number
- The mailing address
- Written validation of the debt
Starting there is safer than negotiating on the phone.
The Real Pendleton Issue May Be Name Confusion
Pendleton is different from some of the other companies you asked about because of the Integrated Recovery Services overlap. In the public Chester filing, the plaintiff alleged that “Integrated Recovery Services Inc.” was later re-registered as “Pendleton Capital Management Inc.” and that both names were used in public dealings. That means a consumer might see one name in a call or voicemail and another in a letter or credit entry.
That gives this article a unique and practical angle:
What To Do If The Company Name Changes
If the caller says one name and the letter shows another, ask for:
- The full legal company name
- The mailing address
- The creditor name
- The account number
- Written proof that both names refer to the same account
That can help prevent mistakes before you pay or disclose personal details.
What Public Complaints Suggest
Pendleton’s BBB complaint page includes a complaint alleging repeated calls to the consumer’s wife, disclosure of the alleged debt to her, and failure to stop calling after being asked to remove the number. Those are allegations from a consumer complaint, not court findings, but they make third party contact one of the most company specific issues here.
That means this is not just another “they called too much” article. A stronger question for Pendleton is:
What should you do if Pendleton contacts your spouse or another family member about your debt?
A careful answer is to document who was contacted, when, what number was used, and what was said.
What Public Lawsuit Records Show
Pendleton has a visible public litigation record. The strongest example I found is Chester v. Pendleton Capital Management Inc., an Fair Debt Collection Practices Act (FDCPA) case filed in federal court in Ohio. The public docket confirms the case exists, and public filings connect the company to the Integrated Recovery Services name issue.
I also found Hengle v. PendletonCapital Management, Inc., another public federal filing. I would use it more cautiously because the snippet confirms the case exists but does not give enough public detail in the result itself to over-describe the allegations. Still, it supports the broader point that Pendleton has a public consumer litigation footprint.
The strongest accurate summary is:
Public court records show Pendleton Capital Management Inc. has appeared in consumer litigation and has been identified alongside the name Integrated Recovery Services Inc.
What To Do If Pendleton Contacts Your Family
Because the BBB complaint history includes allegations about calls to a spouse, this is one of the most useful Pendleton specific sections.
If you believe Pendleton is contacting a spouse, relative, or other third party, document:
- Who was contacted
- The date and time
- The number used
- Whether a voicemail was left
- Whether the caller discussed the alleged debt
If the company says it is only seeking location information, the exact wording of the call may still matter. Save the details.
How To Stop Pendleton Capital Management Harassment
A stronger Pendleton specific response plan looks like this:
Confirm The Company Identity
If you see Pendleton Capital Management or Integrated Recovery Services, ask for written confirmation of the company name and account details.
Request Written Validation
Do not discuss payment until you receive the creditor name, amount, and account reference in writing. The advises confirming the collector’s identity and the debt details before paying.
Document Third Party Contact
If family members are getting calls, note every call and save voicemails.
Review Your Credit Report
If the debt is being reported, compare the tradeline to the written validation and your own records.
Escalate If The Facts Still Do Not Match
If the debt remains unclear, the company name changes, or third party contact continues, legal review may help.
How Consumer Rights Law Firm PLLC May Help With Pendleton Calls
If Pendleton is contacting you about a debt that feels inaccurate, unclear, or tied to a different company name, legal review may help because Pendleton disputes often involve identity confusion, third party contact, and written validation, not just repeated calls.
Review Of The Account File
The firm may review letters, voicemails, call logs, and credit entries to identify what account Pendleton is actually trying to collect.
Review Of Name Confusion
If the file references Integrated Recovery Services and Pendleton Capital Management, that overlap may matter.
Review Of Third Party Contact
If a spouse or family member is being contacted, the call details may deserve closer review.
Review Of Next Steps
Depending on the facts, that may involve written validation, dispute letters, credit review, or broader Fair Debt Collection Practices Act (FDCPA) analysis.
If you want help reviewing a Pendleton account, call Consumer Rights Law Firm PLLC at +1 877 700 5790.
Consumer Rights Law Firm PLLC Contact Details
- Address: 133 Main Street, Second Floor, North Andover, MA 01845
- Phone: +1 (888) 206-6886
- Fax: 844-636-9909
- Email: info@consumerlawfirm.com
- BBB: CRLF Batter Brue Business Profile
Success Stories
I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
Worked with Matthew after hearing about them previously on BBB. We did everything very conveniently over text due to my work circumstances as well. With just a couple of screenshots and audio recording I forwarded, they took care of everything for me from start to finish, free as promised. They completely stopped the harassment within a week, to the point i had completely forgotten I was being harassed until I received a text message saying everything was wrapped up and my debt was zeroed out! They retained their attorneys fees and all I had to do was sign one last piece of paperwork. It was the best Christmas gift I could’ve gotten honestly. Thanks to Matthew, and I sincerely hope your firm has a great Christmas and new year!
Conclusion
Pendleton Capital Management Inc. is a New York collection company with a BBB profile in Amherst, a public litigation record, and a very specific issue that makes it different from your other articles: name confusion with Integrated Recovery Services and complaints involving third party contact.
If Pendleton is calling you, the strongest move is not to react to pressure. It is to confirm the company name, ask for written validation, document any family contact, and review the debt before you pay. If you want help reviewing the account and stopping confusing collection pressure, call +1 877 700 5790.
FAQs About Pendleton Capital Management
Who Is Pendleton Capital Management?
Pendleton Capital Management Inc. is a New York collection company with a BBB business profile in Amherst, New York.
What Is Pendleton Capital Management’s Phone Number?
The strongest public BBB number is (833) 808-0981.
Is Pendleton Capital Management Legitimate?
Yes. Pendleton appears to be a real operating collection company with public business and court records. That still does not confirm a specific debt is correct.
Why Might I See The Name Integrated Recovery Services?
Public court filings say Pendleton changed its name from Integrated Recovery Services Inc. and used both names in public dealings.
Has Pendleton Been Sued?
Yes. Public court records show Pendleton has appeared in consumer litigation, including Chester v. Pendleton Capital Management Inc.
What If Pendleton Contacts My Spouse Or Family?
Document who was contacted, when, and what was said. BBB complaint records include allegations about spouse contact.
What Should I Ask For First?
Ask for the creditor name, amount due, company mailing address, and written validation of the debt. The CFPB recommends confirming those details before paying.
Can Pendleton Garnish Wages Right Away?
No. Wage garnishment generally requires a lawsuit, a judgment, and compliance with state law.
What If I Do Not Recognize The Debt?
Do not pay immediately. Ask for written validation and compare the account to your own records first.
Who Can Help If Pendleton’s Calls Feel Misleading?
Consumer Rights Law Firm PLLC can review the account, letters, and dispute history. Call +1 877 700 5790.
