Who Called From 716-891-5800?
Short answer: 716-891-5800 is a number used by P&B Capital Group, LLC (P&B Capital Group, LLC), a third-party collection agency based in Buffalo, NY — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1280994-dca on file, address of record in buffalo, ny. They are almost certainly trying to collect a debt, most often consumer accounts. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 716-891-5800?
The number 716-891-5800 is used by P&B Capital Group, LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1280994-dca on file, address of record in buffalo, ny), a third-party collection agency in Buffalo, NY. For the full company profile — ownership, history, and known aliases — see our complete P&B Capital Group, LLC guide. This page focuses on the calls coming from 716-891-5800 specifically.
About this specific number
- 📞 Number: 716-891-5800 (area code 716, ending in 5800)
- 📍 Line type: Direct-dial — resolves to Buffalo, New York.
- 🏢 Operator: P&B Capital Group, LLC, a third-party collection agency in Buffalo, NY.
- 🔢 Related lines: P&B Capital Group, LLC is documented using 1 number in our directory, so calls may also come from other digits.
716-891-5800 is a direct-dial number tied to Buffalo, New York, which is why the call may have appeared "local" on your caller ID even though P&B Capital Group, LLC operates out of Buffalo, NY.
Some carriers display 716-891-5800 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from P&B Capital Group, LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: P&B Capital Group, LLC.
Why Is P&B Capital Group, LLC Calling Me From 716-891-5800?
In our directory, 716-891-5800 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1280994-dca on file, address of record in buffalo, ny for P&B Capital Group, LLC, which typically collects consumer accounts, retail debt. A call from 716-891-5800 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with P&B Capital Group, LLC to collect on behalf of the original creditor.
- ✅ P&B Capital Group, LLC is now dialing you from 716-891-5800 and possibly other lines to reach a resolution.
Calls from 716-891-5800 often come right after a billing cycle closes. Some people report that 716-891-5800 calls once and hangs up, then tries again from a different P&B Capital Group, LLC line hours later. A single missed call is not proof of a valid debt. When 716-891-5800 shows up on your caller ID, it is worth checking whether the P&B Capital Group, LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make P&B Capital Group, LLC prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 716-891-5800 — does not prove you owe the debt, that the amount is correct, or that P&B Capital Group, LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 716-891-5800
Anything you say to P&B Capital Group, LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 716-891-5800 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from P&B Capital Group, LLC.
Don't agree to a payment on the spot
A single payment to P&B Capital Group, LLC — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 716-891-5800.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 716-891-5800. Any legitimate P&B Capital Group, LLC resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 716-891-5800 caller. If it truly is your P&B Capital Group, LLC account, they should already have what they need and must prove it.
What To Do If 716-891-5800 Keeps Calling
Here are concrete next steps for this specific P&B Capital Group, LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 716-891-5800 as a contact labeled "P&B Capital Group, LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 716-891-5800 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that P&B Capital Group, LLC identify the original creditor behind the 716-891-5800 calls and the date the debt was opened.
Your Rights When P&B Capital Group, LLC Calls From 716-891-5800
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send P&B Capital Group, LLC a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If P&B Capital Group, LLC reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 716-891-5800: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that P&B Capital Group, LLC stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, P&B Capital Group, LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars P&B Capital Group, LLC from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 716-891-5800
We investigate the specific P&B Capital Group, LLC account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the P&B Capital Group, LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to P&B Capital Group, LLC. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
716-891-5800 — Frequently Asked Questions
Who is calling me from 716-891-5800?
716-891-5800 is a direct-dial line associated with P&B Capital Group, LLC (also seen as P&B Capital Group, LLC), a third-party collection agency headquartered in Buffalo, NY. The number resolves to Buffalo, New York. If you received a call from 716-891-5800 — often showing the last four digits 5800 on your screen — it is very likely P&B Capital Group, LLC attempting to reach you about a debt they say you owe, most often consumer accounts, retail debt.
Is 716-891-5800 a scam number?
P&B Capital Group, LLC is a real, registered company, and 716-891-5800 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like P&B Capital Group, LLC, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 716-891-5800?
You are not legally required to answer 716-891-5800 or call P&B Capital Group, LLC back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, P&B Capital Group, LLC must pause collection until it mails you proof of the debt.
Why is P&B Capital Group, LLC calling me about consumer accounts?
A call from 716-891-5800 usually means an original consumer accounts went unpaid and was placed with P&B Capital Group, LLC, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop P&B Capital Group, LLC from calling 716-891-5800?
Yes. The FDCPA lets you send a written cease-and-desist demand telling P&B Capital Group, LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 716-891-5800 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt P&B Capital Group, LLC is calling about?
Do not pay anything based on a call from 716-891-5800 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About P&B Capital Group, LLC
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