DRB-40, LLC: Who They Are and Your Rights

Type

Collection agency

Also known as

Diversified Recovery Bureau LLC

Headquarters

West Seneca, NY

110 debt collection complaints were sent to the Consumer Financial Protection Bureau about DRB-40, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is DRB-40, LLC?

DRB-40, LLC is a debt collector in West Seneca, New York, a suburb of Buffalo. We could not find an official website for the company, so this profile is based on public records. The Texas Secretary of State's debt collector bond records list it as "DRB-40, LLC fka Diversified Recovery Bureau LLC," at 40 Gardenville Parkway, Suite 201, West Seneca, New York, with an active bond first filed in July 2018. "Fka" means "formerly known as," so letters or older credit report entries may show the Diversified Recovery Bureau name.

A Texas bond is required before a third-party debt collector may collect from people in Texas (Tex. Fin. Code § 392.101). We did not find a CFPB enforcement action against DRB-40 or Diversified Recovery Bureau.

Why DRB-40 May Be Contacting You

Without an official website, we could not confirm which creditors DRB-40 works for. In the CFPB complaint database, most consumers who complained about it did not know what kind of debt it was; among those who did, payday loans were the most common type, followed by "other" debts, credit cards and auto loans. Treat those categories as what complainants reported, not as a list of clients.

Because the company's identity is less visible than most collectors', the first step is to find out exactly who the creditor is before you discuss or pay anything. If you don't recognize the name at all, see why a company you've never heard of may be contacting you.

How to Check a Debt DRB-40 Says You Owe

With a short-term or online loan in particular, check that the debt is real, that it is yours, and that the amount follows the loan terms:

• Insist on the validation notice. Federal law requires it (15 U.S.C. § 1692g), and Regulation F says it must name the current creditor, give an itemized balance and state your dispute deadline (12 C.F.R. § 1006.34).
• Match it to your records. Look for the loan agreement, the lender's name and the payments you made. Payday and online lenders sometimes sell or place accounts more than once, so ask who owns the debt now and when DRB-40 got it.
• Dispute in writing within the validation period if you don't recognize the debt or the amount. DRB-40 must stop collecting until it mails verification. See how to dispute a debt.
• Don't give bank or card information over the phone until you have the written notice and have confirmed who you are dealing with.
• Check the date of default. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different limitation periods.

What DRB-40 Can and Can't Do

A company that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). If DRB-40 instead buys debts and collects them for itself, the FDCPA can still apply under the "principal purpose" part of the definition, even though Henson v. Santander Consumer USA Inc. (2017) held that collecting one's own purchased debts does not by itself trigger the "owed to another" part. Either way:

• It must identify itself as a debt collector and tell you the name of the creditor.
• It may not threaten arrest, criminal charges or jail over an unpaid loan. See can a collector threaten arrest or jail?
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It may not threaten wage garnishment for an ordinary consumer debt in Texas, where that is not allowed (Tex. Const. art. XVI, § 28).

If you have concerns about DRB-40's letters or calls, contact our Texas FDCPA attorneys.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If DRB-40, LLC or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Texas Secretary of State: debt collector bond search (DRB-40, LLC fka Diversified Recovery Bureau LLC)
• CFPB Consumer Complaint Database (company: DRB-40, LLC)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: DRB-40, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that DRB-40, LLC has violated any law. Company details change; tell us if something here is out of date.