802-321-2515

P & B Capital debt collectors  These folks have a bad rep and they call from area codes all over the country

P & B Capital debt collectors attempt to extort money from ppl who owe nothing.

You need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two agencies where you should report their criminal activities.

P & B CAPITAL GROUP, LLC.
Number threads associated with these crooks:  https://800notes.com/Phone.aspx/1-717-283-4210#p1296343005670781172    X
https://800notes.com/Phone.aspx/1-727-565-1300
https://800notes.com/Phone.aspx/1-818-668-3600
https://800notes.com/Phone.aspx/1-888-569-9635/4
https://800notes.com/Phone.aspx/1-866-660-1627/7

Website says they are in western New York, world’s #1 capital for criminal organizations pretending to be debt collectors:  http://pandbcapitalgroup.com/
BBB currently gives them no rating and indicates on 1/2/18 that they are updating their report:  https://www.bbb.org/upstate-new-york/business ... eca-ny-66008633
Facebook page has pictures of the felons that work there:  https://www.facebook.com/PBCapitalGroup/
Bizapedia has this on them.  It is the only state registration I can find.  New York’s Dept. of State page is down at the moment.  This registration is expired:
Company Name:      P & B CAPITAL GROUP, LLC

File Number:      0710826

Filing State:      Kentucky (KY)

Domestic State:      New York (NY)

Filing Status:      I - Inactive

Filing Date:      August 4, 2008

Company Age:      9 Years, 4 Months

Registered Agent:               Corporation Service Company
421 West Main Street
Frankfort, KY 40601

Principal Address:               461 Ellicott Street, 3rd
Buffalo, NY 14203

Company Contacts
BRADLY WILLIAM SPOOR

Member

RYAN DAVID KAZMARK

Member

SEAN J WELCH

Organizer

SEAN JAMES WELCH

Other complaints:
https://www.revdex.com/reviews/pb-capital-group-llc/238186
http://www.ripoffreport.com/reports/pb-capital-group-llc/buffalo-new-york-14203/pb-capital-group-llc-collection-efforts-with-crooks-buffalo-new-york-1049716
http://www.debtorboards.com/index.php?topic=16990.0
https://forums.debtcc.com/collection-agencies/pandbcapital.html
https://www.bankrank.org/banks/pb-capital-group-llc
https://whocallsme.com/Phone-Number.aspx/8885699635/3

Lawsuits galore against these crooks:
https://www.pacermonitor.com/public/case/1226 ... pital_Group_LLC
https://www.pacermonitor.com/public/case/2084 ... Group_LLC_et_al
https://unicourt.com/case/pc-db1-mango-v-pb-capital-group-llc-539355
https://www.law360.com/cases/53a4619c9868ef41b0000001
https://www.plainsite.org/dockets/m4nnwe7g/pe ... ital-group-llc/
https://www.courtlistener.com/docket/5865138/ ... ital-group-llc/

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

File a complaint at the NY State AG's Office here:  http://www.ag.ny.gov/