248-213-7428

caller id: Southfield MI

recorded message

P&B Capital Group
Calls but nobody on the line when I pickup.

recording

We are so sick and tired of these calls all hours of the day and night.   No messages ever left on machine, and we just don't answer the phone anymore being we have no clue who these morons are !    We live across the country!!  and we continually get calls from Smithfield, MI     We don't know anyone from this state!!   STOP CALLING US!!

Calls my mobile. No message ever. Blocked.

P & B This company uses hundreds of numbers and relentlessly calls from different numbers all day, every day. They never leave a message.

Most likely this group:

http://www.pandbcapitalgroup.com/
P&B Capital Group LLC
(Headquarters)
369 Washington St
Suite 100
Buffalo, NY 14203
Phone: 888-569-9635
Fax: 716-891-5810
_____________________________
BBB:
(716) 891-5800
P&B Capital Group, LLC
13 years in business
455 Center Rd Ste 1
West Seneca, NY 14224-2100
Fax Numbers
(716) 891-5810
Additional Phone Numbers
(888) 569-9635
(877) 743-9600
(312) 445-0291
(760) 851-0024
(503) 867-8805
(406) 534-0527
Additional Email Addresses
sean@pandbcapitalgroup.com
info@pandbllc.com
jbruscia@pandbcapitalgroup.com
BBB File Opened: 12/14/2005
Business Started: 04/28/2004
Business Started Locally: 04/28/2004
Business Incorporated: 04/23/2004 in NY
Type of Entity
Limited Liability Company
Business Management
Mr. Ryan Kazmark, MGRM
Mr. Sean J. Welch, Owner / Managing Member
Business Category

Collection Agencies
Alternate Business Names
 P and B Capital Group
 J K Associates
ALERT
BBB has seen a major increase in collection agencies starting business in the Upstate New York area over the past several years. In an effort to keep consumers informed about which collection agencies are operating in accordance with federal and state law, we have asked for specific information from all collection agencies located in our service area, including proof of licensing, bonding, and or registration required by NY state or other governments where the business is located, as well as proof of licensing required by any state in which the business operates. This collection agency has not responded to our requests. BBB advises consumers to be aware of their rights in regard to collections. This includes New York States law prohibiting any collection agency from collecting on Payday loans in the State of New York. The Fair Debt Collection Practices Act (FDCPA) outlines prohibited behavior when attempting to collect a debt, and outlines specific rights for consumers. There are penalties for agencies found in violation of the Act. BBB advises consumers to become familiar with their rights under the Act, which can be found at the Federal Trade Commission’s Website at: ftc.gov . Consumers can file with us at bbb.org/complain.
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
This Business Is Not BBB Accredited
P&B Capital Group, LLC
B-  BBB Rating System
_____________

Per records of the Secretary of State of New York
PHILLIPS & BURNS, LLC
Selected Entity Status Information
Current Entity Name:    P&B CAPITAL GROUP, LLC
DOS ID #:    3044620
Initial DOS Filing Date:    APRIL 23, 2004
County:    ERIE
Jurisdiction:    NEW YORK
Entity Type:    DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:    ACTIVE
Selected Entity Address Information
DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)
P&B CAPITAL GROUP, LLC
369 WASHINGTON ST
STE 100
BUFFALO, NEW YORK, 14203
Registered Agent
NONE
___________________________
In any event,

Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.

If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.

If they are bothering you, report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a  violation of the Federal Fair Debt Collection Practices Act.)  The same goes for endless telephone harassment

Note that the US Supreme Court in the Case of HENSON ET AL. v. SANTANDER CONSUMER USA INC., has recently ruled that the provisions of the Federal Fair Debt Collection Practices Act do not apply if the creditor owns the debt in question.  As a practical matter this probably won't effect the kinds of scam debt collectors who often show up on 800notes.  The scam collectors don't give you any information about themselves so it is impossible to know whether or not they in fact "own" the debt in question.  Most do not send debt validation letters and many often say they are collecting for someone else.  So, make the complaint anyway if they are bothering you.  Let the FTC sort it out.

Also contact your local attorney general

If they continue to bother you,  and you know you do not owe any money, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

You'll probably have to yell at them and talk over them.
You have to get tuff with these people because,  being akin to thugs, brute force is (metaphorically speaking).   the only thing they understand.