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Business Profile

Collections Agencies

P&B Capital Group, LLC

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 144 total complaints in the last 3 years.
  • 36 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:06/20/2025

    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.
    They are billed collectors. I contacted them to get payoff of my debt on 6-18-25. Spoke with Allison O****** I was given the amount of $128.94. Then she said $228.94. Asked for reason of difference. She sent me an email stating $228.94 was owed.
    No explanation. I emailed her boss Larry b******* and asked him to clarify. He said she was confused because of poor payment history on my end. Missed payments and declines. Asked him to explain the $100 difference he said it was owed and I hadn't made a payment since April of 2025. I replied to him with the dates of May and June payments of 2025. Told him I have banking statements proof. Then the story changed back to I owed $228.94. He sent me payment history and original amount of debt. According to that information l owe $228.94. How am I supposed to trust that I owe $228.94 when I was told three different things. Including no payments in May or June. If they are a legit debt collector company shouldn't they have pristine records? Called there today to set up payment for the $100. Ms. O***** answered the phone and put me on hold. I waited 5 minutes and hung up. Sent b******** an email explaining phone call today. Haven't heard anything back yet.
    Don't like nor am I comfortable with three different answers to a simple question of what the remaining balance owed is. This company is difficult to deal with. Ms. O***** specifically. I know i can be difficult when pushed. Want this resolved. No confidence p and b is capable of resolving in a business like manner. Explanation of the different amounts and missed payments. I dont feel my payment history is a valid reason they are confused and the reason for the difference in answers.

    Business Response

    Date: 06/23/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  First, I would like to offer my apologies to Ms. ******* for having a negative experience with our company.  I have reviewed the payment history on this account, and I can confirm the owing balance is $228.94 after $1,715.00 of successful payments made.  The original balance placed was $1,943.94, and no interest or fees have been charged since placement.  Should you have any questions or concerns, please feel free to contact me.  Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:06/13/2025

    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 received a notice of a balance due with a "legal notification" from P&B Capital Group, LLC representing a company named ******* ********** LLC, stating that I was in breach of contract with named company. I know nothing of the named company and certainly don't owe them any money. I have no ties whatsoever with either business and question their legitimacy and/or ethical practices with sending legal-appearing notices for large amounts of money due. The nature of the letter is threatening and poorly written, threatening legal action if a (very vague) resolution wasn't reached. P&B Capital Group, LLC ought to receive a worse rating on the BBB if indeed they are involved in this scam.

    Business Response

    Date: 06/13/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  This account is included in a pre-legal placement of personally guaranteed commercial accounting services invoices.  Documentation validating the debt is being emailed to Mr. **** as requested on today's date.  Should you have any questions or concerns, please feel free to contact me.Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:06/11/2025

    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.
    Remove me as a contact. One of my family members is associated with this company. I have not done business with them, nor have I given them my contact information àt anytime. They are very rude and unprofessional. Hung up on me twice. I want to ensure this is not a scam to lure me into giving them my personal information. Remove any of my information they have from me. Just information about my family member that does business with them.
    Thanks

    Business Response

    Date: 06/12/2025

    To Whom It May Concern:

    Thank you for bringing this matter to my attention.  I have taken Mr. ******'s number out of our database to ensure he is no longer contacted.  All previous calls to that number were honest attempts to reach the target consumer.  I would like to offer Mr. ****** our apologies for any inconvenience.  Should you have any questions or concerns, please feel free to contact me.

    Very truly yours,

    Sean W****

    Managing Member

    Customer Answer

    Date: 06/12/2025

    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:05/29/2025

    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.
    A suspicious person has been calling around asking people about me. He claims trying to find me for owing another company, but also claims he's not a debt collector. He had my social security number but not my phone number to contact me. I believe this is some type of scam.

    Business Response

    Date: 05/29/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  After reviewing the electronic notes on the account in question, I can confirm that the representative has already taken all numbers off file except the one provided in the complaint.  All outgoing phone calls were honest attempts to reach Mr. *******.  Our representative denies stating that he was not a debt collector.  I will honor Mr. ********* request of no further contact.  The account will be closed at our office and returned to the current creditor for review.  Should you have any questions or concerns, please do not hesitate to contact me.Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:05/23/2025

    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.
    Harassing communication contacting family not involved with my account. Unsure of what methods they’re using to contact my family but this is illegally done. They’re providing family my account information without my permission to discuss it. Ask to contact me outside of 9-5pm calling several times a day during my work hours when asked not to. Threatening to contact my employers.

    Business Response

    Date: 05/27/2025

    To Whom It May Concern: I am sorry that Ms. ******* had a negative experience with our company.  I have ordered documentation validating the debt to be sent to her for her review.  She will not be contacted for at least 2 weeks during this process.  In addition, I transferred her account to a supervisor.  Should you have any questions or concerns, please feel free to contact me. Best Regards, Sean *****Managing Member

  • Initial Complaint

    Date:05/13/2025

    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 never done business with P&B group. I have never provided my PPI to which they are referencing. I am receiving many phone calls with no validation of doing business with them. I am concerned that my personal information may have been sold without consent and possibly fraudulently. This is well has impacted my credit report with false late reporting of again a debt I never incurred by P&B. Please remove this from my credit report and provide proof of debt as well as how this debt was legally obtained and how my private information was legally obtained.

    Business Response

    Date: 05/14/2025

    To Whom It May Concern:

    Thank you for bringing this matter to my attention.  Ms. *****'s accounts are not and were never reported to the credit bureaus by our company.  As requested, documentation validating the debts is being sent to her.  There will be no attempted contacts while she has adequate time to review.  Should you have any questions or concerns, please feel free to contact me.

    Very truly yours,

    Sean W****

    Managing Member

  • Initial Complaint

    Date:05/06/2025

    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.
    A person named Stephanie I******* is contacting relatives providing private information for a business account. Unauthorized sharing of confidential information can lead to legal consequences for the company, including fines or lawsuits. Please notify the company the cease and desist immediately. ***** ***** has nothing to do with this account. ******-********** vs ******* ***** & ***** **** *********** * ********** ***

    Business Response

    Date: 06/24/2025

    To Whom It May Concern:This account was closed as a cease & desist on 6/3/2025.  There has been no contact since.  I apologize that Mr. ***** had a negative experience with our company.  Should you have any questions or concerns, please feel free to contact me.Best Regards,Sean W****Managing Member

  • Initial Complaint

    Date:05/03/2025

    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 have called and spoke with this company before about not contacting myself or any family members about the debt they are trying to collect. To which is now become hersment with how unprofessional and disrespectful they are. 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 multiple family member 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: 05/05/2025

    To Whom It May  Concern:Thank you for bringing this matter to my attention.  This complaint is the first request we have on record for validation of the debt.  There will be no attempted contacts while documentation validating the debt is sent to her.  She will be given adequate time to review said documentation and respond.  The debt is already being reported to the credit bureaus at this time.  I have deleted all numbers off file besides the one provided in the complaint.  Should you have any questions or concerns, please do not hesitate to contact me.Very truly yours,Sean W****Managing Member

  • Initial Complaint

    Date:04/22/2025

    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.
    They are harassing my family. I am currently in heart failure and have requested them to stop contacting my family and me both after the lady I was speaking to hung up on me after saying “you know what this is” They also contacted my “father” who I do not have contact with at all and disclosed the last four of my social WITHOUT even confirming my identity. So on top of everything I had to hear from someone that I totally tried to cutting out of my life. There’s nothing showing anything on this company on my credit report. I feel like this company is a scam and disclose my personal information to God knows who. They were very pushy trying to obtain my social security number. This whole situation scares me I am disputing this debt and requesting a cease and desist immediately.

    Business Response

    Date: 04/23/2025

    To Whom It May Concern:Thank you for bringing this matter to my attention.  I have considered this complaint as a formal cease & desist order.  We have closed Mr. ******'s account at our office and returned to the current creditor for review.  Any requests regarding the social security number were part of the verification process.  Should you have any questions or concerns, please feel free to contact me.Best Regards,Sean W****Managing Member

  • Initial Complaint

    Date:04/21/2025

    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.
    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 ******* ********. 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 even after requesting it, the response was "we don't do that. 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: 04/21/2025

    To Whom It May Concern:I have deleted the payment arrangement that Ms. ******** agreed to on 4/7/25.  Documentation validating the debt is being mailed to her for her review.  Should you have any questions or concerns, please do not hesitate to contact me.Very truly yours,Sean W****Managing Member

    Customer Answer

    Date: 04/21/2025

    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,

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

P&B Capital Group, LLC is NOT a BBB Accredited Business.

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