Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX the following complaint was submitted : I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies. Following this complaint, the collection company marked the account as closed with the credit agencies roughly 10 days after the complaint was made. The company stated they would mark the account as disputed. As of XX/XX/XXXX, the collection account has been reopened and shows an active balance due, the record does not state that I have disputed the account either. Further, the company stated they would send me info on the account and that never happened and it has been over 30 days since my original complainXXXX XXXX XXXX XXXX XXXXXXXX XXXX continues to make false claims that a debt is owed when that debt has failed to have been verified. They are committing fraud at this point and the false claims have severely negatively impacted my credit- legally speaking, this is a damage and loss that I have full right to claim against them. Their actions are fraudulent and are construed to be harassment. They have failed multiple times to adequately respond to the dispute ( XXXX ) and they have failed to properly verify the alleged debt in the allotted time offered to them per FDCPA guidelines. Per FDCPA, FTC, FDIC and CFPB guidelines P & B Capital Group is in violation of Federal regulations and State regulations and must be ordered to close the account, remove all negative remarks from any/all credit reporting and end all collection efforts regarding this alleged debt. Prompt action must be taken to resolve this matter. The company has claimed twice now that they have sent verification documents to my address listed on file and listed within the prior complaints - no documents have ever been received, this company has yet again, made false claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation