Total CFPB complaints
435
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 435 complaints
P&B Capital Group, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about P&B Capital Group, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
106 complaints
- Written notification about debt
Written notification about debt
59 complaints
- Communication tactics
Communication tactics
54 complaints
- Took or threatened to take negative or legal action 34
Took or threatened to take negative or legal action
34 complaints
- False statements or representation 32
False statements or representation
32 complaints
- Threatened to contact someone or share information improperly 27
Threatened to contact someone or share information improperly
27 complaints
F
Grade F · 48.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about P&B Capital Group, LLC?
P&B Capital Group, LLC has accumulated 435 total CFPB complaints across 42 states, with 97 filed in the most recent 12 months against 338 historical complaints before that window. The trailing-12-month volume represents 22.3% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 70% timely-response rate against a 12% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 42 states, led by Texas with 80 and Florida with 54, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.6/100 places P&B Capital Group, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
97
22.3% of total history
Stable →
States active
42
Distinct state filings
Timely response rate
70%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
F
48.6/100 composite
Response-quality profile
How P&B Capital Group, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 24.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
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?
P&B Capital Group, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed106 (%)
Communication tactics54 (%)
Took or threatened to take negative or legal action34 (%)
False statements or representation32 (%)
Written notification about debt59 (%)
Threatened to contact someone or share information improperly27 (%)
Improper contact or sharing of info11 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 70 |
| Communication tactics | Frequent or repeated calls | 39 |
| Attempts to collect debt not owed | Debt was result of identity theft | 36 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 34 |
| False statements or representation | Attempted to collect wrong amount | 32 |
| Written notification about debt | Didn't receive notice of right to dispute | 31 |
| Written notification about debt | Didn't receive enough information to verify debt | 28 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 27 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 15 |
| Improper contact or sharing of info | Talked to a third party about my debt | 11 |
Where do complaints against P&B Capital Group, LLC come from?
The states where consumers have filed the most CFPB complaints against P&B Capital Group, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against P&B Capital Group, LLC
Across 42 states with at least one filing
- Texas
Texas
80 complaints
- Florida
Florida
54 complaints
- California
California
32 complaints
- Georgia 28
Georgia
28 complaints
- North Carolina 22
North Carolina
22 complaints
- New York 21
New York
21 complaints
- Ohio 21
Ohio
21 complaints
- Pennsylvania 16
Pennsylvania
16 complaints
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 435 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 97 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 42 states, with the most complaints from Texas (80 complaints).
What can I do if P&B Capital Group, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If P&B Capital Group, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |