07/21/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I've been constantly and permanently Harassed for over one year with phone calls from two debt collector companies identified as : PNB Capital Group XXXX XXXX XXXX XXXX XXXX New York XXXX phone # : XXXX XXXX Fax # : XXXX Case # : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX , TX XXXX Phone : XXXX Fax : XXXX Original account # XXXX XXXX XXXX Account # XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX Fax : XXXX account # XXXX.
It's been many many months since those two debt collectors companies had been calling my phone number and harassing me over the false allegation that I owed the amount of {$1300.00} to a home security company call : XXXX XXXX XXXX XXXX XXXX XXXX.
According to the terms and policy of the contract that I signed on XX/XX/XXXX, with XXXX XXXX, I must not be accountable or responsible to pay any cancelation or monthly nor any other fees if I canceled the contract on the deadline of XX/XX/XXXX before midnight. I am attaching the fax confirmation document that I signed and faxed to XXXX announcing the cancelation of my contract with the clear visible date and time printed on XX/XX/XXXX at XXXX.
On XX/XX/XXXX, PNB Capital Group representative Ms XXXX XXXX had called me twice from their phone numbers above at XXXX XXXX and XXXX XXXX threaten to further messed up my credit if I dont pay them the amount of money listed above. I recently find out that another debt collector agency that has been calling me very often over XXXX XXXX XXXX XXXX had already made a bad credit report on me over this same false allegation.
The truth is on XX/XX/XXXX, I ordered XXXX services to secure my home. My order was to instal two video cameras monitoring the entrance of my premises and connected to my smart phone screen.
On XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX had sent two employees of one of their authorized dealers name : XXXX, XXXX to my home to instal a XXXX XXXX.
Its after I signed the agreement contract and the technicians of XXXX XXXX finished their installation that they informed me they dont have cameras available. I was very upset over that and asked to talk to a supervisor.
The XXXX, inc technicians putted me on the phone with a their supervisor who told me that they had no video cameras on storage and thats why they couldnt honored this specific demand of the contract.
One of the XXXX XXXX technicians putted the index and major fingers of his right hand against my chest and pressed against my thorax ( in front of witnesses ) to show me how people will come to my home and kill me if I dont keep the contract with them.
From XX/XX/XXXX, to the XXXX, Ive called XXXX and XXXX XXXX dozens of times to report the incident with their employee and try to get my cameras somehow. But both company were referring me back and fourth to each others customers representative services phone lines, returning the blames on each other.
After all my unsuccessful attempts to resolved the problem were in vain, I decided to cancel the contract on the following day by faxing a sign and dated cancelation notice to XXXX XXXX on XX/XX/XXXX at XXXX eastern time.
On XX/XX/XXXX around XXXX eastern time, I picked up a phone call from a representative of XXXX XXXX XXXX XXXX after they called me five times through the day. A woman with an XXXX-American accent aggressively told me that the reason I owed them money was because she believe that my contract had started on the day that I ordered the service over the phone to XXXX XX/XX/XXXX.
The true fact is I signed the contract with XXXX XXXX on XX/XX/XXXX when their technicians came to my home. Which is the reason why that the deadline on XXXX XXXX cancelation document that is attached to this complaint is XX/XX/XXXX before midnight.
The debt collectors companies, PNB Capital Group and XXXX XXXX XXXX XXXX created a loophole with those datas to deploy an infernal labyrinth of non-stop phone calls to harass and treat me through out the whole year of XXXX and continuously in this year XXXX.
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04/08/2015 |
No |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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|
Web |
Older American |
I co-signed a loan for my son-in-law XXXX XXXX in XX/XX/XXXX for a vehicle. In XX/XX/XXXX the vehicle was repossessed. XXXX XXXX said that the company had offered him a pay out amount and that he was going to make payments on it. I had heard nothing more on it until last week when a call from P & B Capital Group LLC came to my home. XXXX XXXX spoke to my wife XXXX and stated that I am responsible for half of the remaining {$6800.00} and that they would soon be levying a judgement on me if something was not done. She told him that the loan was supposed to have been taken care of and that there had been no request for payment from his company. XXXX XXXX gave her contact information for XXXX XXXX who was now my ex son-in-law and told her that I had better do something to get XXXX to pay or it would be up to me to pay the full balance due. I went to speak to XXXX XXXX, gave him the contact phone number for XXXX XXXX, and was told that XXXX would call P & B Capital. Today my wife XXXX called XXXX XXXX and told him that I spoke to XXXX XXXX and asked XXXX XXXX if he had received a call. XXXX XXXX asked first when this would of been and said that yes XXXX had called and left a message, but now was not answering any calls again. XXXX XXXX was very rude to my wife, said that he was now getting angry and that it was too late anyway because the account was now going to be pulled for further action. She then told him that I wanted to be sent copies of the loan showing the amount due and XXXX XXXX refused saying that they had been sending out paperwork since XX/XX/XXXX. My wife told him that we had not received any correspondence from them and XXXX XXXX became agitated. He told my wife that he would send it by e-mail or fax but would not send it out by mail. XXXX refused to give him an e-mail address and told him that I wanted to receive the information by mail. Again he refused. XXXX requested the address for the company and XXXX XXXX refused, got angry and said that he wanted to speak to me only. XXXX XXXX then disonnected the call. Less than a minute later he called back and said that he would send the information by e-mail only. XXXX told him that she would not give him the e-mail address and XXXX XXXX said " I have it ''. He gave some strange e-mail address and XXXX told him that he would be sending it to someone else because that was not our e-mail address. XXXX again requested the information by mail and was told no. XXXX also told XXXX XXXX that if he could n't provide the paper work and the address for his company he should n't be trying to collect. He finally gave her the address, and then again ended the call. XXXX then went into my XXXX XXXX account and did a credit report. That vehicle shows for a company called XXXX and is showing a zero balance. There is not listing for P & B Capital Group LLC. I do n't owe this company anythinng, and XXXX XXXX is harassing my wife XXXX who is XXXX and supposed to stay clear of stress. I am asking that you please tell them to cease their contacts.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX phone XXXX
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10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
Hi, My name is XXXX XXXX. In XX/XX/XXXX, I received notice from a loan company that a loan had been taken out in my name. This loan was taken out in XXXX in XX/XX/XXXX near an apartment that I had moved out of in XX/XX/XXXX ( months prior ). I can only suspect that someone used my misrouted mail to steal my identify.
This was done through a company called XXXX XXXX, and the amount was for {$2400.00}.
I called the XXXX XXXX Police Department and reported identity theft, providing them all of the requested details where I would be connected to a detective. The detective requested any documents from the loan company that I could gather.
I reached out to XXXX XXXX via the phone and asked that they provide me any documents for the account to me so that I can provide them to the police department in their open investigation. They provided me a check with a signature in my name that I did not write as well as a false email address associated with the account and fingerprints of the assailant. I provided this to the detective.
I called XXXX XXXX and provided them the details of the case and asked that the account be removed from my name. Verbally, they agreed and said it would be lifted.
In XX/XX/XXXX, I received information from a debt collector that this was still on my name. I spoke to P and B Capital Group and asked it to be removed and explained the above. They requested an email with the police report and a description of the details.
I obliged. No further action was taken by this collector.
On XX/XX/XXXX, I received information from another debt collector that this was still on my name. I spoke to XXXX XXXX XXXX XXXX and requested that this removed from my name and explained the above. They requested an email with the police report and description of the details. I obliged and followed up on XX/XX/XXXX and XX/XX/XXXX. No further action was taken by this collector.
On XX/XX/XXXX I submitted a dispute through XXXX XXXX ( who submitted to XXXX ). I received those results on XX/XX/XXXX as denied.
I have been affected in my loan applications and my credit. Now I am looking at buying a house and moving forward with my life, but I can not until this is resolved, as it is affecting my credit.
On XX/XX/XXXX, I opened a dispute through XXXX XXXX ( who submitted to XXXX ). I am currently awaiting the investigation for this dispute.
I did not realize that being a victim to identity theft would result in being ignored and affected for several years. This is a small loan amount, yet it affects major life choices and decisions. I did not request this loan and my identity was stolen. I have proof that this loan was taken out fraudulently ( through the perpetrator 's fingerprints and signature ) as well as have taken action through law enforcement and formal requests to the collectors.
I would simply like for this to be removed from my credit history.
Thank you for your time, XXXX XXXX
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03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account P & B CAPITAL GROUP LLC with a balance of {$3800.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
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07/25/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
To whom it may concern, I recently obtained a copy of my credit report and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose of furnishing my personal information to any third party.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Also, please be aware that as per my rights under the Fair Debt Collection Practices Act, I have a right to request full verification of this debt and to dispute it unless full verification is made. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn and I will exercise my right to full verification.I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency As a consumer, I am demanding the deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Balance : {$1700.00}
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10/08/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
To Whom It May Concern : I filed a cfpb complaint against P & B Capital on XX/XX/XXXX. They responded on XX/XX/XXXX. I have since retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute.
You have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, you must now remove the item.
Any other action or inaction on your behalf will result in a small claims action against your company.
I will be seeking { {$5000.00} } in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Sincerely, XXXX XXXX XXXX
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09/29/2015 |
No |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
In XXXX 2013 I entered into an agreement to make monthly payments to P & B Capital for a debt from XXXX credit card that had been charged off on XXXX/XXXX/2013 in the amount of {$1600.00}. I was told by the collector that XXXX XXXX had purchased the charge off and sent the account to P & B Capital. My first payment began XXXX XXXX, 2013 in the amount of {$67.00}. My payment were monthly till XXXX of this year. I tried to contact the number I had written down when I entered the agreement in 2013, but was not able to reach anyone after I calculated I only had XXXX payment remaining. I received my first phone message to call the collection agency XXXX XXXX to discuss the missed payment. I called the collector on XXXX XXXX in the morning and was told that since I failed to make the final payment the agreement was now void and I owed {$600.00}. I was told by the collector that my payment had been returned. I told them I had not been notified by my bank there was a problem with the payment. I also communicated that no one contacted me to try to resolve the issue until now. After work on XXXX, I contacted my bank and was told that there was no attempt by P & B Capital to collect the final payment in XXXX. I feel that this is a " bait and switch '' tactic to collect more money from me. I called P & B and spoke with a floor manager after I called the bank and was told it was not returned by my bank, but by their system. I asked why they did not rerun the ACH since it was an error on their end. Was told company policy does not allow them to rerun if it was returned. Their policy is in place when there are insufficient funds as are majority of companies that run ACH transactions. This was not the issue, and I wondering if the transaction even was run at all since they knew it would be in default if the payment was missed. I asked them to work with the creditor who placed the debt to settle for the final last payment of the agreement, and I am waiting for a reply. However, I am under the impression that they will not agree after this mornings conversation they would only settle for half of the new debt amount.
All I want resolved is my final payment to be taken in the amount of {$67.00} and for the debt to marked as paid. I refuse to pay more money to an agency who does not send out letters to collect and does not call. If they did call when I was at work they did not leave a message for me to call, so I have no idea if they did call or not.
|
12/12/2023 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
On XX/XX/XXXX I received an email from a XXXX XXXX XXXX, Team Manager with the company in question. The email contained the original loan contract from XXXX, an online loan company. That same day I confirmed with XXXX XXXX that I'd received the email. I decided to pay this debt as I did in fact default and provided my debit card information to XXXX XXXX, assistant to XXXX XXXX. I agreed to make a payment of {$140.00} on XXXX XXXX XXXX XXXX XXXX will be due on the XXXX of each month starting on XX/XX/XXXX This arrangement was agreeable.
On XXXX XXXX XXXX XXXX XXXX to confirm that she was in fact an employee with PB Capital Group. I did so because the number she gave me to call contact her came up as XXXX XXXX XXXX XXXX XXXX XXXX I later realized that this was a mistake on my part when I XXXX the number but by then XXXX XXXX and I had already spoken, and during the call I informed him that I was not sure of which firm I was dealing with, that the number XXXX XXXX had provided me with was showing up as a law firm in GA and not his company in New York state. I told him I was leery since there seemed to be some uncertainty on my part about his company. That said, in addition to his email dated XXXX XXXX XXXX that I would like a payment schedule in writing that stated clearly how much of each payment would be applied to the balance of the debt, and that no other fees or interest was to be taken from the payments. I also asked as part of this payment schedule that it clearly show the date of when the final payment would be due. XXXX XXXX then told me he isn't required to provide that information to me and that it would be up to me to keep track of my payments. I thought to myself I have nothing in writing from his office that guarantees that when the final payment is made on a specific date predetermined in writing that the debt would be cleared from his accounts. I then informed him that he must be an XXXX if he thinks I'm going to send him money without a predetermined final payment date along with confirmation of how much of each payment would be applied. Once again, I simple wanted this in writing on a company letterhead along with confirmation that his firm owned the debt from XXXX. At this point he went on about my credit was going to be messed up. At this point I informed him to not contact me or my immediate family in any way ; except for written correspondence sent to my physical XXXX XXXX XXXXXXXX he has on file.
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09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
Dear CFPB, I am writing a formal complaint against P & B Capital Group LLC regarding their unjust actions as a debt collector. I recently experienced an alarming incident where P & B Capital Group LLC threatened to report a delinquent tradeline on my consumer report without providing me with the necessary information regarding my rights to request debt validation. I kindly request your intervention in addressing this matter and ensuring appropriate action is taken against this collection company.
Firstly, I am deeply concerned about the lack of transparency exhibited by P & B Capital Group. As a consumer, I have the right to be informed about my rights and options when dealing with debt collection. However, P & B Capital Group failed to provide me with the necessary information regarding my right to request debt validation. This omission not only violates the Fair Debt Collection Practices Act ( FDCPA ) but also hampers my ability to protect my interests and exercise my consumer rights.
Furthermore, I firmly believe that P & B Capital Group 's threat to report a delinquent tradeline on my consumer report without considering my rights is both unfair and unacceptable. Such actions can have severe repercussions on my creditworthiness and financial well-being. It is imperative that this collection company understands the gravity of their actions and the potential harm they can cause by bypassing necessary consumer protections.
In light of these violations, I kindly request that the Consumer Financial Protection Bureau takes the following actions : 1. Conduct a thorough investigation into the practices of P & B Capital Group, specifically regarding their failure to inform consumers about their rights to request debt validation.
2. Ensure that P & B Capital Group ceases all communication with me immediately, except for their response to my debt validation request.
3. Enforce appropriate penalties and sanctions against P & B Capital Group if found guilty of violating consumer rights and failing to adhere to the regulations outlined in the Fair Debt Collection Practices Act.
By addressing this issue, you will not only protect my consumer rights but also send a clear message to debt collectors that such practices will not be tolerated.
Thank you for your attention to this complaint. I look forward to your prompt action and resolution.
Sincerely, XXXX XXXX
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10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing to demand the deletion/removal of an unlawful and inaccurate report on my account. XXXX XXXX XXXX has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. The account in question has been bought by XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore XXXX XXXX XXXX XXXX XXXX XXXX has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the 3rd party. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
|
03/09/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
To whom it may concern, I am writing in regard to a collection account that has been reported on my credit report. The account in question is with P & B Capital LLC ( third-party agency ) is being reported as past due and open. However, I believe that this information is inaccurate and should be immediately deleted from my credit report.
I have reviewed my records and have found that I am not responsible for the debt I am being accused of. Therefore, the current status of the account is not accurate and is causing harm to my credit score and ability to obtain credit.
I am requesting that the inaccurate information regarding this collection account be immediately deleted from my credit report. I am also requesting that you provide me with a written confirmation that the account has been deleted and is no longer being reported to other credit reporting agencies.
Under the Fair Credit Reporting Act ( FCRA ), collection agencies are required to report accurate and up-to-date information to credit reporting agencies ( CRAs ). If a collection agency reports inaccurate information, such as reporting a collection debt as open and past due when it has actually been paid or settled, they may be in violation of the FCRA.
Specifically, section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that furnishers of information to CRAs, such as collection agencies, must provide information that is " complete and accurate. '' This includes reporting the correct account status and balance information.
Additionally, section 623 ( a ) ( 2 ) of the FCRA requires that furnishers of information, including collection agencies, investigate disputes that are submitted to them by CRAs and correct any inaccurate information.
I understand that the Fair Credit Reporting Act requires that you investigate disputes within 30 days of receipt and correct any inaccurate information. I would appreciate your prompt attention to this matter, as it is causing me undue stress and financial harm.
Thank you for your attention to this matter. I look forward to your prompt response.
Sincerely, XXXX XXXX [ Your Name ]
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03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
In XX/XX/2022, I hired assistance after my identity was stolen from a ransomeware attack at a hospital I worked for years ago. The fraudulent loans, credit cards, debts as well as all credit agencies, banks, the FTC, law enforcement were all notified and addressed by attorneys as well. This was a very stressful, arduous, grueling and time consuming process that the person/persons Im complaining about had previously been felt with originally after reporting in error to my credit report, were demanded to remove all negative remarks due to it not being myself and all problems had been settled for months. P & B began harassing me well before the holidays of last year and I first kindly explained to them that the case was an identity theft issue previously resolved, that I was shocked that it was even brought up at all and I was being contacted as well as I had been nervous my social had been used again. P & B continued to leave THREATENING voicemails and calling several times every single day. I have called back to repeat that everything had been handled and settled and to never contact me again and they continue to contact me with text messages almost daily, phone calls everyday, emails to an old email address daily, leaving messages that anyone can access that are about companies Im not familiar with now at all and have reported it to collections on my credit. This has to be a violation of some sort. The recordings are a robot stating its a live agent even and has a glitch to where it skips and repeats saying its a person. Ive cried over this because it took so much work before. It was not easy dealing with the police, even the FBI and to have whatever these people are try to collect money from me and this isnt anything Im associated with and they have damaged my credit plus harassed me every day since XXXX at least something needs to be done immediately. Ive told them never to contact me firmly and they will not stop. They reported it to my credit and it is not me.
|
01/24/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
I would like to report this business for violating Fair Debt Collection Practices Act ( FDCPA )! They have continuously contacted me from various different numbers. I have not answered due to being very busy with XXXX XXXXl and being a mom. Which I told the harassing agent! They call several times a day sometimes back to back. Today I was informed from my mother in law that they called her looking for me. That is a clear violation of FDCPA! I call them back after this and was not rude at all. The agent who I originally dealt with was VERY rude and also violated FDCPA multiple times! He stated that I owed xyz $ and asked for full payment. I said I could not afford that and asked what type of payment plan I could arrange. He said that the company was requesting full payment and he could do a lower $ amount. I said okay what are the payment for that? And he said like 2 or 3 work {$320.00} something down. I said I cant do that and if you cant take a payment plan I would have to let it go to small claims. He then said I would never get my XXXX XXXX if I did that ( which is a complete lie and fear tactic to get a debt paid ) and I said for one if I had the money I would pay in full and two that is not true about the XXXX XXXX and I took that as a scare tactic. He then asked me so what did I do defraud the original company to get the loan?! I said no I lost my job and was unable to pay! He also belittled me and said I was very niiave and was down right disgusting! He then transferred me to a XXXX who kindly set up a payment arrangement for the debt and listened to my complaint of how I was treated. However, I felt pressured to enter that agreement that I can not afford. I will be reporting this business here and with the CFPB and the FTC. I am requesting ALL contact from this company to me or my family, friends, employer etc.. to stop immediately!
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04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I received an email from XXXX XXXX a representative of XXXX a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from XXXX stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from P & B Capital Group LLC. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from XXXX. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.
|
04/30/2021 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. XXXX XXXXXXXX XXXX outsourced a debt collection to P & B capital on their behalf, I attached the original collection letter that was dated XX/XX/XXXX.
I have listed the 3 problems below!
1. As you can see in the letter it has complete XXXX XXXX listed as the current creditor. Complete XXXX XXXX has never lended me credit, they are a debt collector not a credit lender.
2. I have attached the debt verification letter that I sent back to P & B capital and XXXX XXXXXXXX XXXX on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.
3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. XXXX XXXXXXXX XXXX also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX.
I spoke with a woman this morning XX/XX/XXXX from XXXX XXXXXXXX XXXX via phone call. She confirmed that they were using P & B capital to collect this alleged debt for them, this means the same rules and timeline that apply to P & B also apply to XXXX XXXXXXXX XXXX. P & B capital has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. XXXX XXXXXXXX XXXX and their hired partner P & B capital have broken multiple rules and are continuing to act as if they are immune to the law.
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08/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. The balance of {$1000.00}. The account was opened in XX/XX/XXXX. The account was opened fraudulently. I have completed the following steps to resolve the account with the account : First, I contacted the creditor without success. After being unsuccessful in contacting the original creditor. I have also disputed it several times with the credit bureau due to it being fraudulent during a pandemic. - The original credit bureau was contacted on - XX/XX/XXXX and XX/XX/XXXX- The credit bureaus have been contacted on - XX/XX/XXXX and XX/XX/XXXX At this time, I have been unsuccessful in getting the fraudulent account removed from my report. I am reaching out to obtain assistance with getting the account removed from my credit reports. XXXX XXXX reported a late payment which is also incorrect. I have had this account for several years, and have never been late with a payment. The payment was incorrectly reported, because of an issue with the website. I have attempted to have the situation corrected by contacting the creditor by phone in XX/XX/XXXX. I have also contacted the credit bureau without success.
Since then, they have sold the debt to a new creditor P & B Capital, LLC and now attempting to start the collections process again.This means the same debt is reflecting twice incorrectly. I have attempted to contact the creditor and they have not removed the debt. They have been very aggressive calling me at work and threading my job.
They have also put a negative account on my credit without contacting me first to discuss the debt. This negative account is negatively impacting my credit rating and ability to obtain housing.
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09/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I XXXX XXXX a natural person consumer pursuant to 15 U.S.C 1692a ( 4 ) I am the creditor who extend credit creating a debt. Debt which means any obligation or alleged obligation which this is alleged pursuant to 15 U.S.C 1692a ( 5 ). You P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 1 ) you obtained my location information fraudulently. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 2 ) you stated that i the consumer owes an debt. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt .P & B Capital Group LLC is in violation consumer rights under Fair credit Reporting Act 15 U.S.C 1692c ( a ) without the prior consumer consent given directly to the debt collector. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692d ( 1 ) harassment or abuse, use or threat of us of violence or other criminal means to harm the physical person, reputation, or property of any person. You damages my consumer report. P & B Capital Group LLC is in violation pursuant to 15 U.S.C 1692f false and mislending information. P & B Capital Group LLC is in violation 15 usc 1692e ( 2 ) ( A ) the false representations of the character amount, or legal status of any debt. P & B Capital Group LLC is in violation pursuant to 15 usc 1692f ( 1 ) unfair practices, collection and amount unless such amount is expressly authorized permitted by law. Violating 15 USC 1692f ( 8 ).
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01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
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01/14/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I received a letter from P & B Capital Group , LLC regarding a debt in which they say is mine but can not prove. So I sent a certified letter declaring that they cease all communication. I inserted the letter below. And still they keep calling me asking me about this matter. They also reported it to the credit bureaus. They are in strict violation here and have to remove any information from my credit reports and stop harassing me over the phone.
Letter sent to the Company in question ; XX/XX/2018 P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : [ File # ***** ] To Whom It May Concern : I am writing to request that you stop communications with me in accordance with my rights under the Federal Fair Debt Collection Practices Act, as well as other federal and District of Columbia laws and/or New York State laws.
Please be aware that, I am judgement proof, my income is free and exempt from distraint, attachment, levy, or seizure and sale on execution or decree of any court in the District of Columbia and/or New York State because it is from : Social Security ( XXXX/SSI ) I request that you cease all written and verbal communication with me. I am aware that if you continue to contact me after receiving this letter, it is harassment in violation of the FDCPA. I may contact legal counsel if you violate my FDCPA rights. This letter is not meant in any way to be an acknowledgment that I owe this money. A certified letter will follow this letter. Thank you for your cooperation.
Respectfully submitted,
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12/12/2018 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
I lost my employment in XX/XX/XXXX ( at that time I was XXXX years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XX/XX/XXXX ), I started a debt management service in an effort to pay all remaining debts. XXXX XXXX was the holder of 2 of my accounts ( XXXX and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, XXXX is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX for the XXXX account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact P & B Capital Group, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or P & B Capital were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that P & B Capital continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
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09/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
On XXXX XXXX they sent a text addressed to my significant other. requesting him to call P & B asap and provided file # XXXX. The text came from number XXXX towards the end of the message it says to Stop to Stop messages. So responded stop and stated to stop calling my or texting my number because he was not at this number. I received a response that stated I responded stop which blocks all text sent from this number.
I received another text on XXXX XXXX from a different number XXXX from the same company. I did not respond to that text message because they should have gotten the hint from the first text sent back in XXXX.
Then on XXXX XXXX received the same text msg but this time they did not put the business name as the others but placed the same file number again. Again I did not respond to it.
Today I received a call from XXXX from a XXXX XXXX stated that the are in the process of filing a civil complaint through XXXX County that name me and XXXX as a co-defendant and they need to speak to me or my attorney and it asks me to refer to the same case number above XXXX. We were being named as co defedants in an up coming arbitration proceeding early next week.
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01/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
I closed my XXXX 's account in XXXX 2012 after returning faulty bedding, Sleepy 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}.
I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.
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09/23/2018 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
In XXXX of this year, I spoke with a representative of P & B Capital Group by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018.
This company has a negative rating with the XXXX XXXX XXXX.
I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept.
I have attached copies of correspondence sent and received by this company.
Please assist me in obtaining the requested documentation.
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03/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I replied to their letter dated XX/XX/2023, in response to my letter mailed & dated on XX/XX/2023. In my letter that was dated XX/XX/2023, I disputed the Alleged {$1400.00} debt that they are attempting to collect. I Additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights of a verification request under the FDCPA, I requested a copy of a signed contract with my handwriting not a computerized signature. I Also requested that they cease and desist all collection activity, including credit reporting. I requested that they delete any and all reporting made to any consumer credit reporting agencies. They have clearly failed to address my very specific legal requests and are in clear violation of the FDCPA.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.
15 U.S.C. 1681 Section 602 A. States I have right to privacy.
15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
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06/06/2022 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
I have been repeatedly called by P & B Capital Group ( XXXX ) regarding debt for XXXX XXXX, NOT MY DEBT.
Multiple family members have also been called regarding XXXX XXXX. None of us are XXXX XXXX.
He is my nephew and does not live with me or any of my family members that this agency is contacting.
I have told this company and others that I am not XXXX XXXX nor does XXXX XXXX live with me.
This particular company told me that XXXX XXXX listed myself, my XXXX sons and my XXXX daughter-in-law as contacts ... absolutely NOT TRUE ... I can guarantee that that was not done as I spoke with my family about this issue and was assured that none of us were listed as contacts.
This particular company is lying..all one has to do is XXXX someone's name and it will listed " contacts '' ... they are not getting our phone numbers from the debtor directly. And all of our numbers are on the do not call list..they get around that by simply XXXX the names of the debtors and targeting family and friends.
|
08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
As of XX/XX/2023, P & B Capital Group LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with P & B Capital Group LLC. My consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. P & B Capital Group LLC also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.
|
03/09/2023 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : P & B CAPITAL GROUP LLC Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
( 1 ) In general.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or ussentenced to a term of imprisonment of 2 years.
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07/05/2017 |
No |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
Received 2 phone calls from a lady saying her name is XXXX XXXX and she is an arbitrator with XXXX, XXXX, XXXX XXXX. Later in the call she said she is with P & B capital management. She told me she was hired to collect a debt but listed 3 different debt amounts. I asked her for the original creditor 's information like name and phone number but she co u ld not provide it. I then asked her to send me a debt validation letter and she said she would email it but it was never sent. She told me my case was in prelegal status and the next step was to take me to court. One mon the later she called back still unable to verify debt, she was yellin at me, and saying they have permission to garnish my check and take me to court. She ended the call by saying see you in court. Nothing was verified. Just demanding I pay {$600.00} now without knowing who she is and what sent this is. There is so debt currently for sny cards In my credit profile. Phone number XXXX
|
01/10/2017 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
A number would appear numerous times a day on numerous phone numbers ( home, cell, work ), but never a message. Today I called the number back to determine who and what. I asked the lady to please tell me who they are and why they insist on calling many times a day without leaving a message. Her name was XXXX and she became very irate. After receiving her verbal abuse for about 4 minutes, I asked for verification documentation. She indicated they already sent the information. I asked her to verify the address. She told me she knows I got it, they have verification of when things are delivered, and I ca n't lie my way out of this by saying I did n't receive the documentation. She blatantly refused to verify or update my address. I admittedly did not react well, called her a few unfavorable names, and hung up.
I called back and spoke with a very nice gentleman who agreed to update my address ( they had an incorrect address on file ).
|
02/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I made a complaint in the month of XX/XX/XXXX about not knowing who P & B CAPITAL GROUP LLC is and what debt they're trying to collect. They sent a copy of a Promissory note which claims I received a payday loan from XXXX XXXX XXXX XXXX on XX/XX/XXXX and I lived in the state of XXXX. Both are not true because from XX/XX/XXXX - XX/XX/XXXX, I was living in and resident of the state of XXXX XXXX and Payday loans or loans more than 25 % interest are ILLEGAL in New York. It is also ILLEGAL for a debt collector to collect, or attempt to collect, on a payday loan in XXXX XXXX XXXXXXXX. I've attached my W2 for XXXX, my last earning statement while living in XXXX and a XXXX XXXX credit card statement which shows my previous address of XXXX XXXX XXXX, XXXX XXXX NY. P & B CAPITAL GROUP LLC has failed to check the accuracy of the information they received and is reporting inaccurate information to XXXX XXXX which hurting my credit.
|
03/03/2016 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
I spoke with a collection company called XXXX XXXX XXXX XXXX XXXX XXXX in regards to an old account that was under my ex wife, we came to a settlement to avoid damage on my credit, My credit card company blocked transaction as fraud charge.
Collection company called me yesterday during works hours i asked to please call me after work which they do not did. Today after the first phone call during work hours i told Capital group to call me at better time a representive from this company started threated me bad with abusive language saying that im hiding to not paid this charges that im a fraud person, saying that i better take care this balance, i ended up hangup the phone.
He decided to call me at least 10 times after i was clear that i cant talk during work hours.
This could cost my job and i dont feel comfortable with a company like this having my private information and constantly harrasement over the phone.
|
11/26/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I received a phone call from this company, P & B Capital, LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.
|
06/11/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
To whom it may concern, I am writing to you regarding file # XXXX. I have received a notice from P & B LLC claiming that I owe them a debt. However, I demand that P & B LLC validate this debt under the Fair Debt Collection Practices Act.
As a responsible citizen, it is my right to ensure the validity and accuracy of all my debts. Therefore, I request that P & B LLC provide me with all the necessary information to verify this debt, including the amount owed, the original creditor, and any other relevant details.
Furthermore, I demand that P & B LLC immediately cease all collection activities until they have validated this debt. Per the Fair Debt Collection Practices Act, I understand that collection activities can only continue once the debt has been validated.
I expect your prompt and respectful attention to this matter.
Sincerely, XXXX XXXX
|
11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
Upon applying for a home loan I was notified about a debt in collections from a business I have never had services from. I reached out t this company for proof of this debt via email and phone over 30 times, with no response. I know I ordered an product from this company in XXXX and never even received the XXXX XXXX from them, therefore making it impossible for me to have EVER rendered services from them. I sent over 10 emails to customer service about this. I disputed it with my bank, was refunded the amount, canceled my account and never heard anything more until this went company sent a bill for services never provided almost 4 years later after canceling my account. I was never even contacted i owed a bill. Let alone a returned call from the company of proof that this debt is owed. I never received any services, or notice, nor bill.
|
06/04/2015 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
I keep receiving phone calls from an XXXX XXXX who asks me to call him back regarding some XXXX account. He says he is from P & B Capital Group but when you call the number provided back it 's a generic recording that says you reached the office of XXXX XXXX and to leave a message. If this is a legitimate debt then XXXX XXXX needs to mail a letter verifying the debt and stop harassing me and my family. He called my elderly grandmother demanding to speak to me and was super rude when she told him I was n't there. This man has no business calling ANYONE related to me or associated with me. He is super rude and confrontational and I googled his phone number and name and I read more than XXXX comments from people saying the same thing, that he is rude and confrontational. He acts as if you owe him money personally or something.
|
09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I received multiple phone calls from P & B Capitol Group through out the past year attempting to collect an alleged debt associated with my name. I explained to the reps that I had no knowledge of said debt, I also asked for any documentation associated with my name in the event I have to file a police report with my local police department. I never received any documentation nor anything in writing notifying me of said debt. According to the FDCPA, consumers have 30 days from the date of being notified in writing, to dispute the validity of any alleged debt associated with them. In addition, as of XX/XX/XXXX, this debt have been reported to consumer reporting agencies without me be properly notified and giving the opportunity to respond to said debt. This has since damaged my reputation and credit worthiness.
|
11/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
P & B Capital Group , LLC is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX. We will use any information you give us to help collect the debt.
Our information shows : You had an account with XXXX, XXXX I do not owe debt to this company P & B Capital Group. This company email and text message me weekly!
In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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01/25/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024 and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.
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01/14/2024 |
No |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on credit karma and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024. So after I submitted the complaint with you all and they stated the above they still gave inaccurate information to XXXX XXXX.
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07/02/2019 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.
Thank you for your consideration in this matter.
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01/12/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Electronic communications
- Frequent or repeated messages
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|
Web |
|
I received multiple emails for this debt collection from multiple different debt collectors. Ive asked to not be emailed by previous owners of the debt but my debt keeps getting moved to a new debt collector. It is also showing up on my credit report as being owed to P & B Capital Group but that is incorrect. The debt has been transferred to a debt collector named XXXX XXXX XXXX and theyve sent me multiple communications as well. Ive attached some of the communications that Ive received from XXXX XXXX and other debt collectors as well. Ive asked for P & B Capital Group to remove the remarks on my credit report through email but didnt receive a response. Just another debt collector taking over the account.
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09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
Older American, Servicemember |
My name is XXXX XXXX and l am experiencing constant attempt by a person named XXXX XXXX from P & B Capital Grop LLC. Urging me to contact him to avoid delinquent trade line report. Which, I have no idea what this is all about.
Below is the text message sent to me today XX/XX/2023 at XXXX from a phone number ( XXXX ) XXXX.
I have in the past have been the subject of scammers and I do not wish to make calls to persons such as XXXX when I have no idea why I need to make contact.
XXXX XXXX, please call P & B Capital Group LLC at ( XXXX ) XXXX for file # XXXX to avoid a delinquent tradeline report. Stop to Stop Thank you for your assistance.
XXXX XXXX
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06/13/2016 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
Got XXXX calls on my home phone from phone # XXXX at XXXX and XXXX on XXXX/XXXX/2016, Caller ID said only XXXX, NY. Immediately after, I got a phone call with a voice mail on my cell phone threatening me with a lawsuit in my county if I do n't immediately take care of this. I have received nothing in writing, no validation of debt, and this is far beyond the five year Statute of Limitations even if it is a debt I may owe. In fact, this debt does not show on my credit report, so I do not believe it exists.
The number is a Voip number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.
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07/19/2017 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
I just received a phone call from P & B capital group llc. I went to pick up the phone and they hung up. I called back and was placed with a man whom I did not get his name. He asked who I was and I asked what he was calling in regards to. He mentioned me having taken our a loan with rise. I asked him to send me verification in the mail about the debt and he said he has already sent something. I told him I have n't received anything and before I could finish my sentence he said I was just playing games and using stall tactics and he will send me to litigation so they can sue then hung up on me. The phone number I reached him on was XXXX.
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02/05/2022 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
The loan is beyond the California statute of XXXX years with no actions on my part or collections happening from the original lender.
The debt was sold to a tertiary collector ( P & B Capital Group LLC ) and when I informed them of this they simply hung up the phone after stating obviously you know your legal rights.
I had submitted a request to XXXX XXXX to have this removed from my credit report as invalid ( purchased by the agency AFTER expiration of the California statute limit of XXXX years ) and they simply took the statement from the company that it is still valid and refused to modify my credit report.
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02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
P & B is contacting me currently with very vague threats intentionally to intimidate me into settling a debt. I received a text from XXXX that states exactly " XXXX XXXX today 's status change to your account has directionally intensified. To rectify call P & B today. XXXX file # XXXX Stop to Stop '' I do believe that it's been completely clear for a very long time that this is unethical and therefore an illegal practice to use to attempt to collect a debt. I feel that I should report it to help others that they may be using illegal and threatening collection tactics against.
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06/02/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
Company claims I owe a debt that doesnt show on my credit reports. Ive requested loan documents be sent to my mailing address with no luck. They just wait 30 days then start harassing me and my family members daily. It is very unsettling that they refuse to provide proof this is indeed my account. At this point i would like calls pulled that verifies i asked for supporting documents along with call logs that cooperate what i am saying. If they cant provide that i would like the calls stopped and information removed under my name. At this point its harassment
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07/09/2023 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
in relation to complaint # XXXX I have been divorced for XXXX years, there should have been no reason for my ex husband to be contacted. It takes XXXX seconds to take the company name and XXXX it to see that this is a debt collector. This to me violates my privacy to people who should not have had any right knowing what phone calls are regarding. The people who were contacted by this company were not listed as people i know in any scenario with the original creditor. I would like to know where the list of names came from before I get my lawyer involved.
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02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
This Company Continuously calls me and harasses me even though I've asked them to stop multiple times about a debt that I'm not aware of on XX/XX/23 I received a call from this company claiming they sent me an email about a debt that I never got and that I'm not aware of the lady was extremely rude threatening me that I have 30 days to pay this debt or they will be adding it to my credit report, they are threatening to damage my credit report and improperly use information about me. I will be filing a complaint with the XXXX about this company.
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01/19/2024 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I have try to dispute this off my credit report I honestly dont know where this debt is what kind of debt it is. I asked for a contract showing the dates. They say they dont provide that information because they are a third party. Which does not make sense to me they have also said they sent out documentation to my mailing address back of XX/XX/2023 which I did not ever receive. I honestly think this company is just scamming people saying they owe money when they dont I would like for this issue to be resolved as soon as possible.
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08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
On or around XXXX XXXX I sent a debt validation letter to Ameriassist XXXX XXXX requesting validation of the account they were suing me for. The client was XXXX XXXX. for the amount of {$1700.00} and they were given 30 days to do so. They removed this account from my credit report on or around XXXX XXXX XXXX XXXX. But around XXXX XXXX a company who I have never received a letter or phone call added this same account back to my credit report ( XXXX ) causing my score to drop XXXX points. I would like this removed immediately!
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11/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
P & B CAPITAL GROUP LLXXXX is reporting debt to XXXX of {$2500.00}. It says account was opened XX/XX/2022, which means they should have sent a letter to a current and accurate address, but I never received a single letter from this company. I don't have any credit accounts or loans for {$2500.00} and I was never given 30 days to dispute the debt. I have know idea who this company is. If this account if it's not removed from XXXX, I will file a suit and use there response to this dispute against them.
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12/21/2015 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
An individual from P & B Capital Group has called me on my phone and at work ( in the Do Not Call registry list ) and left XXXX messages indicating that there is an urgent matter that they want to discuss and that it may be something that I am not aware of. However they feel that they must now contact my employer for employment verification- this is not something that they can do or not sure what the point of that is for. I have not received any written notification of outstanding debt.
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01/26/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
P & B LLC CALLED YELLING AT ME THAT I OWE A DEBT THAT WAS PAID OFF YEARS AGO.
THEY ARE THREATENING TO SUE ME.
THEY REFUSED TO SEND ME PAPERS OR DOCTUMENTATION IN THE MAIL. THEY STATED " WE ALREADY SENT IT ONCE WE WONT DO IT AGAIN '' THEY CALLED FROM AND AZ NUMBER AND THEY ARE LOCATED IN NY. THIS IS ROBO CALLING.
This is a scam.
I do n't owe anything.
There are hundreds of blogs about them doing this to other people and they should be shut down.
The address given is as followed.
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04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
Discovered this account on my credit report. I have never done business with this company or the company they are allegedly collecting for. I never received any type of communication from them. This account just popped up on my credit report. I sent a debt validation letter. I never received a response to my letter. It has been well over 60 days. How am I supposed to rectify the account if I don't know what it is? I want this account removed immediately from my credit report.
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11/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
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12/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my Rights
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01/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
Harassing phone calls asking for me and giving out my SSI # There are other people in next to the one calling and they are laughing in the background, if you do n't do anything to stop them I will contact my lawyer, the name of the company is P & B Capital group there has been over 50 lawsuits and still nothing has been done to stop the calls. What are you going to do about it? Call keep coming in few times per week last call on XXXX.18 at XXXX est.
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07/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
On first contact from P & B Capitol Group, LLC, a woman, who did not identify herself, yelled at me and was very abusive to me, calling me names. I tried to explain to her that i was on SS at XXXX per month and have XXXX, but she would not listen ; I asked her not to contact me by phone anymore. She became even more abusive and yelled at me, " Collection efforts will continue ''. No paperwork or mailings have ever been received to my knowledge.
|
04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
This company just appears on my credit report. From the report it says it was open XX/XX/ 2021. I never received a letter with any details on this. I have attempted several disputes. If this is my account show me I opened this account and that it's not 7 plus years old. I'm not even aware of the company. The balance says {$310.00}. The credit company place this on my.account out of no where.
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02/06/2017 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
I shopped at amazon did get a credit card from them by way of XXXX. got a notice I owed XXXX dollars XXXX years ago. asked for the bills that demonstrated this purchase. many times, they promised always -- at that time it was crown assets who had the account now p and c XXXX ... no one ever sends it ... if I get it, and it is mine I will pay it ... now they say they are getting a judgment.
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02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
I receive messages from random numbers telling me " XXXX XXXX, P & B LLC has an important message for you. Please call XXXX and reference file # XXXX to receive this message. Stop to Stop '' I am not XXXX, I have replied with that message. I have replied with " Stop ''. I have also replied by typing Stop around 100 times. This company has text me today XX/XX/23, and several times before.
|
09/19/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
XXXX XXXX XXXX sold the debt to XXXX XXXX. Earlier this year, it was removed from my credit report until A few months ago, P & B CAPITAL GROUP LLC now has charge of the debit and placed it in the collection on my XXXX Report without any notification. The debt was bought by XXXX, not this new company had been discharged, and was now picked up by someone else without notice to me.
|
12/02/2016 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
I received a call from XXXX at XXXX stating I had to deposit {$1500.00} into her company account - P & B Capital, Acct # XXXX, XXXX XXXX Bank or she would file papers to take my home. She was very rude and abusive. She called me at XXXX, XXXX, XXXX. and on XXXX/XXXX/16 at XXXX. I had asked for their company name and website. That was when she became verbally abusive.
|
04/01/2021 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
I received a text message for a XXXX XXXX ( not my name ) stating that a P & B would take negative action on my account. I have no account with P & B. I am not XXXX XXXX. They ahve also called from various phone numbers alleging an amount owed. I do not have credit cards and do not borrow. I have never heard of P & B.
Text was received from ( XXXX ) XXXX.
|
02/01/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
The collections account holder is PBCAPIGRP and the account number is XXXX.
XXXX XXXX XXXX is filing for bankruptcy and yet they are still requesting money from me. They went with P & B collections and say that as of XX/XX/2022, I owed : {$1800.00}.
I requested early on that I am not interested in their service and they did not contact me after that.
|
08/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
|
03/12/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
In accordance with the fair credit reporting have violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions 15 USC 1666B : A creditor may not treat a payment late for any purposes
|
07/14/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
I have no knowledge of this account I am not liable for any debt with P & B Capital Group LLC collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA
|
12/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I sent letter to this company about validation that i owe them In the letter that was sent to me it stated that they got the validation from a company called XXXX XXXX XXXX. The validation letter states XXXX XXXX.
They also stated that XXXX XXXX was the original creditor. But P $ B IS WHO is on my report When
|
07/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
I had no knowledge of these credit agencies putting these collection on my report without my knowledge. They appeared on my credit report within the past 6-12 month span ranging from {$500.00} - {$3700.00}. I have different companies constantly calling and emailing me for a collection I do not owe them.
|
11/17/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.
|
06/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
XX/XX/2022, XX/XX/2022 XX/XX/2022 On the dates reflected above XXXX Capital are contacting family members that they are not authorized to contact. I'm not sure how they found their numbers but I would like them to stop or I will need to take legal actions. It's invasive and embarrassing.
|
09/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes.
( XXXX ) XXXX ( XXXX ) XXXX
|
09/07/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
P & B Capital Group received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.
|
06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
On today 's date XX/XX/23 XXXX XXXX out of XXXX, NY contacted my cell phone to talk about my debt. Having not answering the phone call being at work this company proceeded to contact my mother, my sister, and my EX HUSBAND regarding this debt. This is illegal and embarrassing!
|
03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
I received a notification that a new collection was placed on my report by a credit monitoring app I use. I was never notified of this account, I do not know what this account is, and there is no information on the credit report of how to get ahold of this collection agency.
|
01/24/2017 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX.
Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
|
02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
My wife received a text message stating ( XXXX XXXX please call P & B Capital Group LLC at XXXX XXXX ) for file # XXXX to avoid a delinquent tradeline report. ) This company has not talked to my wife and has not sent any letters regarding this account.
|
04/18/2016 |
No |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
Called my father and asked for information on me. Would not say what they were calling about except to say that they were calling about a legal issue. They did not call me first instead they contacted my father. I have heard nothing from them even now.
|
02/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
A XXXX I believe from P & B Capital Group called my daughter and left a message stating they are attempting to collect on a debt.
I have no idea who this person is and I believe it is against the Fair Debt Collection Act to contact family members.
|
03/23/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
|
05/09/2023 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged! debt, nor therefore any such debt, in fact therefor exists So in the comment section,
|
08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
An account displaying Adverse Information has surfaced on my recent credit report from P & B CAPITAL GROUP LLC with a debt of {$1200.00} dated XX/XX/2023. However, I have not yet received a debt validation letter from this company.
|
06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
I am not liable for this debt with XXXX XXXX. I do not have a contract with P & B Capital Group LLC. They did not provide me with the original contract as requested. I submitted a dispute of this information on my credit report.
|
12/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
THE DEBT THAT THIS COMPANY TRYING TO COLLECT WAS FRAUDULENT OPENED AND NOT AUTHORIZE BY ME I DID NOT PROVIDE ANY ID OR SOCIAL TO THIS COMPANY I DISPUTED THIS INFORMATION BEFORE THE ADDRESS THAT THAT PROVIDED NEVER WAS MY ADDRESS
|
04/28/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I XXXX XXXX asked the company to verify the debt by sending copy of the contract to my home address. Im not sure who the company is and they are not complying. Hopefully, I can receive some answers by filing this complaint.
|
10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
I sent a letter that they received certified on XX/XX/2023 in which I asked for viable evidence bearing my signature that I was responsible for this account. I received a letter back that did not provide this information.
|
01/17/2024 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
On XX/XX/2024, I submitted request for validation of debt and validation of the alleged contract which the debt collector supposedly owed which stated that I validated. The debt collector has not responded to my request.
|
08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
Collectors from P & B Capital keep calling our office phone trying to collect a debt. We have told them multiple times the person they are looking for does not work here. They continue to call at least twice a day.
|
12/31/2023 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
harassing and calling my father multiple times after my father has requested not to receive any additional calls from. The representative went on to say I see why your daughter doesnt pay her bills look at you..
|
11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
I got a collection and I want it removed immediately Im not responsible or I will take legal action against them please have them remove it off my credit report XX/XX/2023 amount {$1400.00}
|
07/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland.
|
06/13/2015 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
This company is calling my relatives and leaving messages regarding my " case '' number. I have no idea who they are, but I do know that this tactic is illegal.
|
09/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
At XXXX received call from P & B Capital Group trying to collect debt from someone who is not me. I do not have debt. I am on do not call list.
|
02/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
XX/XX/22 harassing phone call XX/XX/22 XXXX harassing phone calls XX/XX/22 call to relative asking them to relay a message to me
|
09/01/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
Charges are a result of identity theft as I did not charge or authorize any purchases from XXXX XXXX.
|
04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
Stop sending text messages and stop calling. They arent clear what the debt is for.
|
06/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
sent a letter asking for validation of debt never got anything just a bill
|
04/15/2015 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
Repeated calls from XXXX from XXXX, and XXXX.
|
10/11/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
P & B Capital XXXX keeps calling.
|
02/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/10/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
02/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
02/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
02/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
02/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
01/29/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
01/27/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/22/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/22/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/16/2024 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
01/15/2024 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
01/12/2024 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/09/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
01/04/2024 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
01/01/2024 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
12/22/2023 |
No |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
12/14/2023 |
No |
- Debt collection
- Other debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
12/14/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
12/13/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
12/13/2023 |
No |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
12/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
12/06/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
12/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
11/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
11/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
11/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
10/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
09/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
09/14/2023 |
No |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
09/08/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
09/02/2023 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
08/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
08/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/31/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
07/27/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
07/26/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/25/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
07/24/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
07/23/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
07/22/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
07/15/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
07/14/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/13/2023 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
06/12/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
05/02/2023 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
05/01/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
04/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/27/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
03/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
03/09/2023 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
03/09/2023 |
No |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
03/09/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
03/09/2023 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
03/09/2023 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
02/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
02/17/2023 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
01/26/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
01/24/2023 |
No |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
01/22/2023 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
01/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
12/06/2022 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
12/05/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
10/18/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
10/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
10/05/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
09/02/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
08/01/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
07/21/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
05/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
04/20/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
04/13/2022 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
04/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
03/25/2022 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
01/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
11/12/2021 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
11/06/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
10/28/2021 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
10/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
08/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
07/16/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
07/16/2021 |
No |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
04/29/2021 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
04/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
03/12/2021 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
01/28/2021 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
01/31/2019 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
05/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
06/23/2017 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
05/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
02/27/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
02/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
02/14/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
01/20/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
12/27/2016 |
No |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
12/27/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
12/05/2016 |
No |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
11/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
11/30/2016 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Postal mail |
|
|
11/23/2016 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
10/21/2016 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
10/19/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
09/15/2016 |
No |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
Older American |
|
07/19/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
02/19/2016 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
11/12/2015 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
10/28/2015 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
09/28/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
09/23/2015 |
No |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
08/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
07/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
06/18/2015 |
No |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
05/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
04/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
04/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
02/27/2015 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
02/18/2015 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
02/16/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
02/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
01/31/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
01/12/2015 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
12/20/2014 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
11/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
10/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
09/06/2014 |
No |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
09/04/2014 |
No |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
08/28/2014 |
No |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
08/25/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
08/14/2014 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
07/31/2014 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
07/31/2014 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
07/16/2014 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
06/25/2014 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
06/25/2014 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
05/29/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
05/28/2014 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
05/14/2014 |
No |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
05/02/2014 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
04/29/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
04/28/2014 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
04/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
04/02/2014 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
03/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
02/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
02/03/2014 |
No |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
10/29/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
10/29/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
10/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
10/11/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
09/09/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|