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Business Profile

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P&B Capital Group, LLC
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BBB Accredited BusinessB Rated by BBB

Complaints

Customer Complaints Summary

  • 141 total complaints in the last 3 years.
  • 35 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/03/2025

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    My name is ****** *****. I am being harassed by P&B. They are looking for an estranged family member debt. I myself do not have any unpaid debt, and have a credit score over 800. I don’t remember the first time they called me looking for a family member ****** *****. I don’t know how they got my number. I told them that I am not affliated and do not keep in touch, and to no longer contact me. P&B Texted me March 17 “****** *****, please call P&B Capital Group LLC at ###-###-#### for ref#******* to avoid a delinquent tradeline report. Stop to stop.” P&B called me 3/24 for ****** from ###-###-####, and left a voicemail. I called back to ask them not to call me, as I had told them previously I am not affiliated with a ****** *****. I left vm for Steven asking to not be called again and reiterated that I am not in contact with a ****** *****. I blocked number. They also Called me 4/3 from ###-###-####. I left another voicemail for Steven stating that I am being harassed. I am not affiliated with ****** *****. I will contact attorney and file complaint with Consumer financial protection bureau. They have violated the FDCPA by continuing to call me after I have asked them not to.

    Business Response

    Date: 04/04/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  I would like to apologize to Ms. ***** for our error.  Our representative took her number off file after their discussion, but he did not realize it was in 2 separate fields on the account in question.  I have permanently deleted the duplicate number from our database.  She will not be contacted again.  Should you have any questions or concerns, please feel free to contact me.Very truly yours,Sean W****Managing Member

    Customer Answer

    Date: 04/04/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ****** *****




  • Initial Complaint

    Date:03/27/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am disputing an invalid report by **[ P & B capital Group LLC ] ** on my credit report. The account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

    Business Response

    Date: 03/27/2025

    To Whom It May Concern:

    Thank you for bringing this matter to my attention.  This is the first communication that our company has received from Ms. ********.  Documentation validating the debt is being sent to her today.  There will be no attempted contacts while she is given adequate time to review.  In addition, the account will be reported as disputed to the credit bureaus during this process.  Should you have any questions or concerns, please feel free to contact me.

    Very truly yours,

    Sean W****

    Managing Member

  • Initial Complaint

    Date:03/23/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I honestly don’t get why PBCAPIGRP is reporting this debt under my name because I don’t owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didn’t even bother to provide it. It’s frustrating because this is hurting my credit for no reason, and it’s just not fair. How can they just put something on my report without any proof? Account No: *****  Amount Disputed: $323

    Business Response

    Date: 03/24/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  This account was recalled from our office on 3/11/25.  Upon recall, a request to have the tradeline updated is sent immediately.  Our company has no record of any requests for documentation regarding this debt as implied in the complaint.  Should you have any questions or concerns, please feel free to contact me.Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:03/17/2025

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have called and spoke with this company before about not contacting myself or any family members about the debt they are trying to collect. The company has not proven to have any information that connects the debt to me, nor have they provided the required chain of custody paperwork to prove they are allowed to collect. This company has repeatedly messaged my wife about this debt and is now threatening me with a delinquent trade line report. As they have refused to accept a verbal cease and desist, this report should be considered my formal cease and desist letter.

    Business Response

    Date: 04/04/2025

    To Whom It May Concern: Our company is accepting this complaint as a cease & desist order.  The account has been closed at our office and returned to the current creditor for review.  Should you have any questions, please feel free to contact me. Very truly yours, Sean W****Managing Member

    Customer Answer

    Date: 04/04/2025

    Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  Regards, ******* ****

  • Initial Complaint

    Date:03/03/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This company is contacting relatives about a debt that I supposedly owe but has not contacted me directly.

    Business Response

    Date: 03/31/2025

    To Whom It May Concern:This account was recalled from our office by the current creditor earlier this month.  I have provided all of the contact information to them to forward to whomever the account is placed with now.  All phone calls placed while the account was here were honest attempts to reach Mr. ******.  Should you have any questions or concerns, please feel free to contact me.Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:03/03/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I keep getting this text message: P&B Capital Group LLC has a balance reduction for (My Name) then they give the phone number ###-###-#### and claim before expiration before (date) This is getting annoying, I've never conducted any business and don't care about contacting them since it may be a scam. Thanks

    Business Response

    Date: 03/31/2025

    To Whom It May Concern:

    I have placed the account into an inactive status to ensure there are no attempted contacts while we send Mr. ******** documentation validating the debt.  He will have adequate time to review and respond prior to our company resuming collection efforts.  Should you have any questions or concerns, please feel free to contact me.

    Very truly yours,

    Sean W****

    Managing Member

  • Initial Complaint

    Date:03/01/2025

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am writing to formally lodge a complaint against P&B Capital Group LLC, a debt collection firm that has been contacting me regarding an alleged debt. My experience with this firm has been troubling and unprofessional. During multiple phone calls, I have found their representatives to be threatening and accusatory. On several occasions, they have hung up on me when I attempted to seek clarification regarding the debt in question. I reviewed the electronic signature included in the paperwork they provided, but I have no knowledge of this debt and have not received any satisfactory response or evidence regarding its validity. I am also concerned about the potential negative impact on my credit report. I request that P&B Capital Group LLC cease all communication with me regarding this debt and refrain from reporting any information to the credit bureaus, as I have no knowledge of the alleged debt's validity. This behavior appears to violate the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, deceptive, or unfair practices. I believe that P&B Capital Group LLC is not adhering to these standards. I appreciate your attention to this matter and hope for a prompt resolution. Thank you for your assistance.

    Business Response

    Date: 03/03/2025

    To Whom It May Concern:

    Thank you for bringing this matter to my attention.  Documentation validating the debt was sent to Ms. ********* as requested on 2/5/2025.  I have considered this complaint as a cease & desist.  The account is being returned to the current creditor for review with a notation that she does not accept the documentation sent by our company as validation.  Our company never reported the debt to the credit bureau.  Should you have any questions or concerns, please feel free to contact me.

    Very truly yours,

    Sean W****

    Managing Member

    Customer Answer

    Date: 03/03/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

    Regards,

    ********* *********




  • Initial Complaint

    Date:02/18/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Dear Better Business Bureau, I am writing to file a formal complaint against P&B Capital Group for persistent harassment and unprofessional conduct in relation to an alleged account under the name ***** ******. My husband and I have repeatedly been contacted by this company, despite our clear requests to stop. While I have received an email from them with a lease agreement, I do not recall ever taking out a loan with this company, and I have not received proper verification of the debt they claim we owe. Their actions and tactics seem to violate federal debt collection laws, and I am uncomfortable with their repeated contact. Despite one of their customer service representatives being transparent and courteous, the overall negative reviews this company has on multiple platforms make it difficult to trust them with any personal or payment information. The entire situation feels like an unfair and potentially fraudulent intrusion. We are requesting that P&B Capital Group immediately cease all contact with us, remove any accounts associated with us, and delete any related files. The harassment and lack of clarity surrounding this matter are distressing, and we expect this issue to be addressed without further delay. Thank you for your attention to this matter. Sincerely, **** & ***** ******

    Business Response

    Date: 02/19/2025

    To Whom It May Concern: Thank you for bringing this matter to my attention.  I have closed the account at our office in response to this written cease & desist.  As stated, documentation validating the debt was sent to the consumer as requested.  The account is being returned to the current creditor for review.  Should you have any questions or concerns, please feel free to contact me. Very truly yours, Sean W****Managing Member

  • Initial Complaint

    Date:01/29/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have received text messages from this company and harrassing threatening phone calls. I have never done business with this company nor have I purchased anything from them. They have threatened to take me to court for a debt I do not owe and when I asked for proof of it they refused to provide it. I am well aware or Maryland’s statute of limitations and laws and I don’t have any outstanding debts owed to this company. I want them to stop contacting myself and any members of my family. Threats are absolutely not okay. Their debt collectors are rude and harrassing.

    Business Response

    Date: 01/30/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  I have closed the account at our office and returned to the current creditor as requested.  However, upon request, we are still able to provide Ms. ***** documentation validating the debt.  I would like to offer my apologies to Ms. ***** if our representative acted in an unprofessional manner during their discussion.  I have ordered the Quality Assurance Department to look into this communication and frequently monitor her calls for the next few weeks to ensure she is adhering to company policies and procedures.  Should you have any questions or concerns, please feel free to contact me.Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:11/12/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was contacted by P&B Capital Group from ###-###-####, asking me to call back ###-###-####. When I called all I got was how can I help you. I explained I was contacted and was returning a call. I gave the reference number I was sent. I do acknowledge this debit. However the person I spoke to was very rude. The individual never gave a name. They offered me a settlement but before that I was told this is being filed in my county. The settlement I was quoted, $1600. I stated I would pay the full balance. If they had a payment plan. I was told they did and I would have to pay $300+ today and I stated i couldn’t today but I could on Friday. The woman told me well good luck and hung up on me. I stated i wanted to pay the debit. If they want to take it to court, I had the call also recorded. So I’ll present it as evidence to support my willingness to pay the debit and the company wouldn’t work with me.

    Business Response

    Date: 11/19/2024

    To Whom It May Concern:

    Thank you for bringing this matter to my attention.  I would like to offer Mr. ******* my sincerest apology if any of our staff acted in an unprofessional manner during their contact with him.  The allegations in the complaint are against our policies and procedures.  I have placed the account into one our supervisor's queue, and he will be reaching out to him shortly.  Should you have any questions or concerns, please do not hesitate to contact me.

    Very truly yours,

    Sean W****

    Managing Member

P&B Capital Group, LLC is BBB Accredited.

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