Consumer complaint received 2020-07-21
Company: P&B Capital Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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.

Company response to consumer: Untimely response