Debt collection -- Written notification about debt -- Complaint #8379163
Complaint Overview
Complaint ID: 8379163
Company: P&B Capital Group, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Texas
ZIP Code: 75023
Date Received: 2024-02-19T12:00:00-05:00
Date Sent to Company: 2024-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau Subject : Dispute of Inaccuracies in Credit Report Dear Sir/Madam, I am writing to dispute inaccuracies present on my credit report, which have been reported by P & B CAPITAL GROUP LLC. I have identified several violations of federal laws in their handling of my account, which warrant immediate investigation and resolution. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite repeated requests, I have not received adequate documentation supporting the validity of the debt they claim I owe. This lack of validation directly violates my rights under federal law. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency has neglected to provide me with a proper means to challenge the accuracy of the reported information, denying me my statutory right to dispute the account. Violation of Consumer Rights : The collection agency has engaged in false, misleading, and deceptive practices in their handling of my account. Such actions violate my consumer rights and undermine the integrity of the credit reporting process. These unethical practices must be addressed to ensure fair treatment of consumers. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) : Furthermore, the collection agency has furnished information to consumer reporting agencies without providing the necessary disclosures mandated by law. This flagrant disregard for federal regulations outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S ( 27 ) ( A ) demonstrates a clear violation of my rights as a consumer. I request that the Consumer Financial Protection Bureau investigate these violations promptly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to enforce penalties against P & B CAPITAL GROUP LLC for their failure to comply with federal laws and their disregard for consumer rights. Enclosed are copies of relevant correspondence and documentation supporting my claims. Please review this information thoroughly as part of your investigation. Thank you for your attention to this matter. I look forward to a swift resolution of this dispute. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8379163 about?
Complaint #8379163 was filed against P&B Capital Group, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-02-19T12:00:00-05:00.
How did P&B Capital Group, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against P&B Capital Group, LLC?
Yes, visit the P&B Capital Group, LLC company profile at readthecomplaint.com/company/p-b-capital-group-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.