CFPB Consumer Complaint Profile

P&B Capital Group, LLC

What 529 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

529
Total complaints
112
Last 12 months
70.7%
Timely response
42
States affected

The verdict

529 CFPB complaints put P&B Capital Group, LLC at #493 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 70.7%, trailing the 93% median among companies with 100+ complaints.

#493
of 3,848 companies by volume
70.7%
answered on time
Debt collection
most-complained product
42
states with complaints
P&B Capital Group, LLC timely response rate 70.7%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 244
Debt collection - Other debt 72
Credit reporting or other personal consumer reports - Credit reporting 65
Debt collection - Credit card 37
Debt collection - Credit card debt 27
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 25
Debt collection - Payday loan debt 24
Debt collection - Medical debt 14
Debt collection - Other (i.e. phone, health club, etc.) 9
Debt collection - Rental debt 2

Top Issues

1.Attempts to collect debt not owed 118
2.Communication tactics 72
3.Written notification about debt 63
4.Took or threatened to take negative or legal action 46
5.False statements or representation 42
6.Incorrect information on your report 40
7.Threatened to contact someone or share information improperly 30
8.Improper use of your report 24
9.Electronic communications 22
10.Problem with a company's investigation into an existing problem 17

Complaints by Year

Year Complaints
2013 5
2014 24
2015 25
2016 17
2017 14
2018 5
2019 3
2020 1
2021 25
2022 31
2023 98
2024 142
2025 116
2026 23

Complaints by State (Top 15)

Texas 96
Florida 67
California 39
Georgia 35
North Carolina 28
Ohio 25
New York 24
Pennsylvania 21
Michigan 18
Illinois 14
Alabama 14
New Jersey 13
South Carolina 12
Tennessee 11
Arkansas 11

Company Responses

Closed with explanation 522
Closed 5
Closed with monetary relief 2

What the CFPB Complaint Record Shows for P&B Capital Group, LLC

529 complaints against P&B Capital Group, LLC appear in the CFPB record, including 112 from the trailing year. The 42 states and territories represented put this footprint in nationwide territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

P&B Capital Group, LLC's timely response rate stands at 70.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response was formally disputed in 11.4% of resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 0.4% closed with the consumer receiving monetary or non-monetary relief.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does P&B Capital Group, LLC have?

The CFPB has logged 529 complaints against P&B Capital Group, LLC to date, of which 112 came in over the last 12 months.

Does P&B Capital Group, LLC respond to complaints on time?

70.7% of the CFPB complaints against P&B Capital Group, LLC get a response within the expected window. That trails the 95% industry benchmark by a wide margin.

What product generates the most complaints for P&B Capital Group, LLC?

Among all products tied to P&B Capital Group, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with P&B Capital Group, LLC?

Consumers most often cite "Attempts to collect debt not owed" when complaining about P&B Capital Group, LLC; the full issue list with counts is above.

How do I file a complaint against P&B Capital Group, LLC?

You can file a complaint against P&B Capital Group, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about P&B Capital Group, LLC?

The CFPB has recorded complaints against P&B Capital Group, LLC from 42 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026