Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
I am filing this complaint against P & B Capital Group , LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite my repeated written requests for proper debt validation/verification, this company continues to send incomplete, boilerplate validation letters, while attempting to misrepresent the legitimacy of the debt. 

Their conduct demonstrates bad faith, deception, and failure to comply with federal law, and I am requesting CFPB intervention to ensure that P & B is barred from reporting this account to any credit bureau or pursuing further collection activity. 

Timeline of Events XX/XX/year> I received an initial collection email from P & B Capital Group, sent by XXXX XXXX XXXX, demanding payment on an alleged debt. 

XX/XX/year> I exercised my rights under FDCPA 809 ( 15 U.S.C. 1692g ) by mailing a debt validation request. 

XX/XX/year> P & B Capital Group mailed me their first so-called validation packet. This was a XXXX document that merely listed my name, a file number, an account number, the alleged balance, and creditor names. It did not include : Any signed contract or agreement bearing my signature, A full accounting of the alleged debt, or Proof of assignment/ownership of the debt. 
This does not meet the standard of validation required under federal law. 

XX/XX/year> ( dated ) P & B issued a second validation letter. 

XX/XX/year> ( received ) That second letter arrived the same day I mailed dispute letters to XXXX XXXX XXXX XXXX, as well as the XXXX XXXX  Attorney General. 

The validation packet was an identical copy of the XX/XX/XXXX packet, except with a new date on top. 

This appears to be an attempt to backdate communications, which may constitute a violation of FDCPA 807 ( 15 U.S.C. 1692e false or misleading representations ).

Legal Violations Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) P & B failed to provide proper validation. They only repeated generic information instead of furnishing contractual proof, statements, or chain of assignment. 

False and Misleading Representations ( FDCPA 807, 15 U.S.C. 1692e ) By sending duplicate validation packets with only the date changed, P & B misled me into believing they had complied with my validation request when they had not. 

The use of a fill-in typed name in place of a signature raises concerns of robo-signing or falsification of documents. 

Unfair Collection Practices ( FDCPA 808, 15 U.S.C. 1692f ) Continuing to pursue collection without providing legally required validation is an unfair practice.

Potential FCRA Violations ( 15 U.S.C. 1681s-2 ) While P & B is not currently reporting to the credit bureaus, I preemptively notified XXXX XXXX XXXX XXXX in XXXX on XX/XX/year>. 

Any attempt by XXXX & XXXX to report this unvalidated debt would constitute knowingly reporting inaccurate or disputed information, a violation of the FCRA.

Company response to consumer: Closed with explanation