This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 464 complaints

P&B Capital Group, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 43 states, reputation grade F.

Complaints by issue type

What consumers report about P&B Capital Group, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.6/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: P&B Capital Group, LLC ranks ahead of 12% of the 5,283 collectors PlainCollector grades - 88% keep a cleaner CFPB record, on 464 all-time complaints and a 70% timely-response rate.

12th pct
reputation rank of 5,283 graded collectors
464
CFPB complaints, all-time
70%
answered inside the CFPB window
103
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about P&B Capital Group, LLC?

P&B Capital Group, LLC has accumulated 464 total CFPB complaints across 43 states, with 103 filed in the most recent 12 months against 361 historical complaints before that window. The trailing-12-month volume represents 22.2% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 70% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 43 states, led by Texas with 84 and Florida with 55. Normalized against the full CFPB collector database, the reputation score of 48.6/100 places P&B Capital Group, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

464

mid-volume (CCDB)

Last 12 months

103

22.2% of all-time complaints

Stable →

States active

43

multi-region footprint

Timely response rate

70%

below sla band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

F

48.6/100 composite

How does P&B Capital Group, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 12% higher than 12% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

P&B Capital Group, LLC versus the debt-collection vertical average.

Timely response within SLA 69.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 76.8%

Share of US states + territories with at least one filed complaint against this collector.

How does P&B Capital Group, LLC compare to its peers?

How does P&B Capital Group, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
P&B Capital Group, LLC National average
Complaints (last 12 mo)lower is better
103
141
268
Timely-response ratehigher is better
70%
92%
91%
Consumer-dispute ratelower is better
12%
15%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-12 2021-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 126
Communication tactics - 73
Written notification about debt - 72
Took or threatened to take negative or legal action - 52
False statements or representation - 45
Threatened to contact someone or share information improperly - 35
Electronic communications - 22
Cont'd attempts collect debt not owed - 14
Improper contact or sharing of info - 11
Disclosure verification of debt - 10

Where do complaints against P&B Capital Group, LLC come from?

P&B Capital Group, LLC's own per-state count, not a national baseline.

Top states by complaints against P&B Capital Group, LLC

Across 43 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if P&B Capital Group, LLC contacts you

A grade of F signals how P&B Capital Group, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really P&B Capital Group, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how P&B Capital Group, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against P&B Capital Group, LLC? ▼

The most common issue consumers report about P&B Capital Group, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 464 complaints filed with the CFPB.

Are complaints against P&B Capital Group, LLC increasing or decreasing? ▼

Complaints against P&B Capital Group, LLC have been stable. The company received 103 complaints in the last 12 months.

What is P&B Capital Group, LLC's reputation grade? ▼

P&B Capital Group, LLC has a reputation grade of F (score: 48.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does P&B Capital Group, LLC respond to consumer complaints? ▼

P&B Capital Group, LLC has a 70% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does P&B Capital Group, LLC operate? ▼

P&B Capital Group, LLC has received CFPB complaints from consumers in 43 states, with the most complaints from Texas (84 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.