Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally address discrepancies regarding my account that was transferred to your company in XX/XX/XXXX. The first call regarding my payment arrangement occurred on XX/XX/XXXX, during which I made an immediate payment of {$320.00} and agreed to a payment plan of {$200.00}, with the first payment scheduled for XX/XX/XXXX, and subsequent payments to be made each month thereafter. 

On XX/XX/XXXX, I spoke with a representative to inform them that I had opened a new bank account and was unable to process the payment at that time, as I was pending receipt of a new debit card. I was advised that I could make the payment on XX/XX/XXXX. However, despite providing this information, your company attempted to process the payment by charging the old, inactive card, which I had clearly communicated was no longer active. This payment attempt was subsequently recorded as XXXX missed payments, which I believe to be an incorrect and inaccurate assessment of the situation. 

It is important to note that my account was transferred to your company in XX/XX/XXXX, and the first communication from your team took place in XX/XX/XXXX. At no point was I provided with a grace period or notified of any payment issues until XX/XX/XXXX, despite my clear communication about the status of my bank account. 

To further clarify, I have requested that a subpoena be issued to XXXX XXXX XXXX  to obtain my call logs as evidence that I did not receive any phone calls or emails, as claimed during a conversation with XXXX of your representatives. The assertion that I received all communications and was being dishonest about not having been contacted is inaccurate. In fact, I was later shown that the initial email was sent to an incorrect address, which was the result of incorrect information entered into your system. When I asked for accountability regarding this mistake, I was met with resistance, which created unnecessary distress. 

Additionally, regarding the incident during my payment arrangement on XX/XX/XXXX, I had previously communicated my intention to resume payments on XX/XX/XXXX, with ongoing monthly payments thereafter. However, during a recent conversation, a representative refused to honor this arrangement and inaccurately claimed that I had defaulted on XXXX payments. In reality, there was only XXXX scheduled payment for XXXX, which I had rescheduled to XX/XX/XXXX. Despite informing your company on XX/XX/XXXX, that my bank account was no longer active, my payment attempt was processed again and counted as XXXX missed payments for XXXX. This claim was false, and I remain fully committed to resolving this matter. 

Furthermore, I found the behavior of the representative unprofessional and intimidating. They repeatedly threatened to report my alleged default and falsely claimed that I was unwilling to resolve the matter. The representative also threatened that the call was being recorded, which is helpful as it will aid in the investigation into their behavior. During the call, the representative spoke over me in a manner that possibly rendered my responses inaudible, leaving only their harsh remarks. This created an unfair and unbalanced exchange, leading to further distress. 

I would also like to highlight that I have requested that your company cease contacting me through my workplace and family members, as this constitutes a violation of my privacy. These actions appear to be a form of harassment. 

As a resident of Florida, I am aware of the protections afforded to me under Florida Statute 817.535, which prohibits harassment and threats intended to coerce or intimidate an individual. Additionally, Floridas Consumer Collection Practices Act ( Florida Statutes XXXX ) restricts debt collectors from engaging in unfair, deceptive, or abusive conduct, including contacting third parties about a debt. Similarly, New York XXXX XXXX XXXX XXXX XXXX prohibits deceptive acts or practices, including harassment and threats in consumer transactions. I believe these actions by your company are in clear violation of these statutes. 

I am seeking a resolution in line with your stated policies and legal protections. I would also like to address the role of the arbitrator involved in this matter. According to the XXXX XXXX XXXX XXXX XXXX ) guidelines, arbitrators must act impartially and with respect, avoiding any form of harassment, threats, or coercion during the resolution process. I believe that the conduct I experienced violates the ethical standards set for arbitrators, as well as legal requirements for impartiality and fairness under both Florida and New York law. 

Given the severity of these actions, I respectfully request that the phone calls be reviewed for potential violations of both your companys policies, and Florida and New York law. If the individual involved is acting as an arbitrator, their behavior constitutes a breach of ethical guidelines and legal standards for arbitration. 

I have faced significant financial hardship due to circumstances beyond my control, and the behavior I experienced has only added to the distress I am already under. I remain committed to resolving this matter professionally and respectfully, and I seek to work with a neutral party to reach a fair resolution without intimidation or coercion. 

Under Florida Statute 559.72 ( 7 ) and New York XXXX XXXX XXXX XXXX ( XXXX ), I respectfully request that all further communication regarding this matter be directed to me in writing only via mail. 

I am formally requesting that your company cease and desist from any further phone calls, emails, or other forms of communication, as I no longer wish to engage directly. Please consider this letter a formal cease and desist request, effective immediately. 

I look forward to a prompt review of this matter and a resolution that reflects fairness, professionalism, and respect for my rights as a consumer. 

Thank you for your attention to this matter. 
_____________________________________________________________________ Florida Statutes : Florida Statute 817.535 - Harassment or threats intended to coerce or intimidate an individual are prohibited.

Florida Statute 559.55-559.785 - Florida 's Consumer Collection Practices Act, which provides protections against unfair, deceptive, or abusive debt collection practices, including restrictions on contacting third parties and harassment. 
Florida Statute 760.50- Provides protections for individuals facing abuse or intimidation, particularly in domestic violence cases.

Florida Statute 682.04- Governs arbitration in Florida and requires that it be conducted in good faith, impartially, and fairly. 
Florida Statute 559.72 ( 7 ) - Prohibits debt collectors from continuing communication with a debtor once a written request has been made. 
New York Statutes : New York XXXX XXXX XXXX XXXX- Prohibits deceptive acts or practices, including harassment and threats, in consumer transactions. 
New York General Business Law 601 et seq. - Debt Collection Procedures, which requires debt collectors to refrain from abusive, threatening, or coercive tactics.

New York General Business Law 296 ( 3 ) - Provides protections against discriminatory or unfair practices in consumer transactions, including harassment or threats.

New York Civil Practice Law and Rules ( CPLR ) Section 7511 - Governs the conduct of arbitration in New York, requiring arbitration to be impartial and fair.

Company response to consumer: Closed with explanation