P&B Capital Group is a third-party collection agency headquartered in West Seneca, New York, near Buffalo. It services non-performing consumer accounts and loan portfolios for creditors, including credit card, auto and online lenders.
- Type
- Collection agency
- Also known as
- P&B Capital Group, LLC; P&B Capital
- Headquarters
- West Seneca, NY
- Collects
- credit card accounts, auto loans, fintech and online loans, consumer loans
- Phone numbers it lists
- (888) 569-9635
- Website
- pandbcapitalgroup.com
322 debt collection complaints were sent to the Consumer Financial Protection Bureau about P&B Capital Group, 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 P&B Capital Group?
P&B Capital Group, LLC describes itself as a third-party collection agency headquartered in West Seneca, New York, a suburb of Buffalo. It says it services non-performing accounts receivable and loan portfolios on behalf of creditor clients. The company states that it is licensed, bonded and insured in all 50 states and that it is a Certified Receivables Business under the Receivables Management Association International (RMAI) program.
Despite "Capital" in its name, P&B presents itself as a collector for other creditors, not a lender. Its main phone number is (888) 569-9635, and its website has a payment portal and a dispute resolution page.
Why P&B Capital Group May Be Contacting You
P&B's services page says it has extensive experience with credit cards, auto loans, fintech loans and other consumer loans and financing instruments. A call or letter from P&B is therefore likely about a charged-off credit card, an auto loan deficiency, or an online installment loan from a financial technology lender.
Because the company services "loan portfolios," the creditor on your notice may be the original lender or a company that bought the portfolio. The notice should tell you which.
How to Check a Debt P&B Capital Group Says You Owe
Online and fintech loans can be hard to trace, especially when the lender's brand is different from the bank that actually funded the loan. Build your file before you talk numbers.
- Read the validation notice. It must identify the current creditor, the creditor as of the itemization date, the account number and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the loan agreement, the payment history, and, if the account was sold, proof of the transfer. P&B must stop collecting until it verifies the debt. P&B's website also has a dispute resolution page.
- Identify the true lender. For an online loan, ask which bank or lender made the loan and whether it was licensed to lend in your state.
- For a car loan, ask for the repossession and sale notices and the sale price credited to the account. See car deficiencies after repossession.
- Check the limitation period. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004); debt buyers cannot sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states differ.
What P&B Capital Group Can and Can't Do
As a third-party agency, P&B is a "debt collector" under 15 U.S.C. § 1692a(6). That means it:
- may not misrepresent the amount owed or the legal status of the debt, including whether a lawsuit has been or will be filed (15 U.S.C. § 1692e(2), (5));
- may not contact you more than seven times in seven days by phone about one debt (12 C.F.R. § 1006.14(b)(2));
- must honor a written request to stop contacting you, apart from limited notices (15 U.S.C. § 1692c(c)); and
- may not suggest your paycheck can be garnished over an ordinary consumer loan in Texas, where the law does not allow it.
If P&B's collection practices concern you, see our Texas FDCPA attorneys page.
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 P&B Capital Group 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
- P&B Capital Group: About Us
- P&B Capital Group: Services
- CFPB Consumer Complaint Database: P&B Capital Group, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that P&B Capital Group has violated any law. Company details change; tell us if something here is out of date.