Pendleton Capital Management, Inc. is an Amherst, New York third-party collector that also shows up under names such as Integrated Recovery Services and PCM Capital. Calls from (833) 808-0981 usually mean a charged-off consumer account was placed with this shop or a related desk. Federal law still limits how a third-party collector may contact you, even if the balance is real.
Key Takeaways
- Pendleton Capital Management, Inc. is listed as a collections agency at 3840 E Robinson Rd Ste 224, Amherst, NY 14228-2001.
- The BBB profile supplied for this page shows the firm is not BBB accredited. Do not read a BBB listing as a court finding.
- The source draft cites a high volume of BBB complaints about calling, validation, and multiple trade names. Those figures are the draft’s count, not a verified live tally.
- One supplied federal docket, Cherry v. Pendleton Capital Management, was an FDCPA filing later dismissed without prejudice for failure to serve.
- The Wood Firm PLLC reviews these files on contingency. You pay no attorney fee unless a recovery is obtained.
Free Case Review: +1-844-638-1122
People also search Pendleton Capital Management phone harassment and PCM collection calls when the same Amherst letterhead appears.
Who is Pendleton Capital Management
Pendleton Capital Management is a third-party debt collection agency operating from Amherst, New York. The BBB business profile for Pendleton Capital Management Inc. lists the Robinson Road suite and a collections-agency classification. That profile also states the company is not BBB accredited.
A Florida Sunbiz record under the same corporate name appears in the Pendleton Capital Management Sunbiz filing. A corporate filing is not proof of how a specific New York account was placed.
In our practice, the first document we pull is the placement letter, not the caller-ID label. PCM, Integrated Recovery Services Inc., Integrated Services, PCM Capital, PCM Agency, and PCM Management Company can appear on the same file. Confirm the mailing address before you treat every “PCM” caller as this Amherst shop.
Pendleton is one name on the site’s list of collection agencies in the United States. It is not the same company as Capital Management Services, LP or Pendrick Capital Partners.
- Address: 3840 E Robinson Rd Ste 224, Amherst, NY 14228-2001
- Also searched with: East Amherst / Buffalo-area collectors listed on Justia’s East Amherst lawyer directory
What number does PCM use
The number in the draft and BBB materials is (833) 808-0981.
☎8338080981
☎1-833-808-0981
☎833.808.0981
☎(833) 808-0981
☎833-808-0981
Is Pendleton Capital Management legit
Yes. Pendleton Capital Management, Inc. is a real New York collections company on the BBB roster, not a random impersonation ring. A real listing does not decide whether a particular call or letter followed the FDCPA.
The source draft cites more than 100 BBB complaints across three years, including nearly 60 in one year, with themes of repeat calling, amount disputes, and extra trade names. Treat that as the draft’s snapshot. Open the live BBB profile before you quote a current count.
Why is Pendleton Capital Management calling you
Pendleton Capital Management is calling you because a creditor or debt buyer placed a delinquent consumer account for collection. The draft describes PCM as both a purchaser of aged balances and a third-party desk. Either model still has to follow the FDCPA if PCM is collecting someone else’s consumer debt.
Account data can be thin after a sale. Ask for the original creditor, the itemized amount, and written validation before you discuss payment.
Similar Buffalo-area files on this site include Capital Accounts debt collection harassment and American Debt Management debt collection harassment.
Has Pendleton Capital Management been sued
Yes. One supplied docket names the company in an FDCPA case. Filing is not a ruling that PCM lost.
- Cherry v. Pendleton Capital Management, No. 1:19-cv-00018 (D. Utah). Robert Cherry filed an FDCPA complaint on March 6, 2019. The court dismissed the action without prejudice in July 2020 after the plaintiff failed to serve the defendant. That dismissal is a service failure, not a merits finding that PCM violated the statute.
No other Pendleton caption is listed here because the second Justia URL you supplied does not match the Carlson docket number in your notes. Do not treat every “Capital Management” lawsuit as this Amherst firm.
What conduct may violate federal law
Not every collection call is illegal. Certain patterns, if proven, can support a claim under the Fair Debt Collection Practices Act.
Calls before 8 a.m. or after 9 p.m. in your local time may violate 15 U.S.C. § 1692c. So can workplace calls after you say personal calls are forbidden. CFPB rules treat more than seven calls in seven days about the same debt as a presumed harassment pattern. See how many times a collection agency can call you per day.
Abusive language, false threats of arrest or instant garnishment, and discussing the debt with family or coworkers can raise separate issues under §§ 1692d, 1692e, and 1692c. Each of those is fact-specific. Save the voicemail before you characterize it. Common fact patterns are summarized in top FDCPA violations.
How to stop PCM collection calls
How to stop PCM collection calls starts with a written record, not an argument on the phone.
Log the date, time, number, and a short summary. Keep letters and envelopes. Send a written validation request by certified mail and ask for the original creditor and itemized balance. Collection on that debt should pause until adequate verification is mailed.
A written cease request under § 1692c(c) limits later contact to an acknowledgment or notice of specific legal action. Send it certified. Further sales-style calls after delivery are a fact pattern to document, not an automatic verdict.
The number one rule when a collector calls is simple. Do not recite bank routing data on the first call.
Can you sue Pendleton Capital Management
Yes, you can sue a third-party collector if the facts show a federal or state violation. You may sue even when the underlying bill is yours. Lawful collection and a lawful debt are separate questions.
If proven, FDCPA statutory damages can reach $1,000 per lawsuit, plus actual damages and attorney fees. No settlement percentage is promised here. The 40 to 60 percent range in the source draft is a negotiation anecdote, not a legal entitlement.
Related collector pages on this site include Universal Recovery Corp, Receivables Management Partners, Turnstile Capital Management, and Alliant Capital Management.
What The Wood Firm PLLC reviews
The Wood Firm PLLC represents consumers only. We review call logs, validation letters, bureau entries, and the trade-name trail on PCM files.
Call +1-844-638-1122 for a free case review. Contingency means no upfront attorney fee on these statutes when fee-shifting applies if the case succeeds. Start at The Wood Firm PLLC.
Where can you report PCM
You can file with the CFPB and with the New York Attorney General Consumer Protection Division. You can also use the Federal Trade Commission complaint channel. Those filings build a record. They rarely pay you damages by themselves.
The BBB homepage at bbb.org is a separate consumer-review forum, not a court.
Frequently asked questions
Is Pendleton Capital Management a legitimate company?
Yes. It is a real Amherst collections firm on the BBB roster and is not BBB accredited. A real company can still face an FDCPA claim if the facts support one.
Why does PCM use multiple business names?
The draft lists Integrated Recovery Services Inc., Integrated Services, PCM Capital, PCM Agency, and PCM Management Company as related labels. Confirm the Robinson Road address before you assume every PCM caller is this entity.
Can Pendleton Capital Management garnish my wages?
Only after a lawsuit, a judgment, and the court process your state requires. A threat of garnishment this week with no case filed is a fact pattern to save.
What should I do if PCM calls me at work?
Say personal calls are forbidden. If calling continues after that notice, log the dates and have counsel review the record.
How do I verify a debt from Pendleton Capital Management?
Send a written validation request by certified mail soon after first contact. Ask for the original creditor, the itemized amount, and proof of authority to collect.
Can I negotiate a lower settlement with PCM?
Some debt buyers discount. Any number you hear on a call is a proposal, not a right. Get the amount and any bureau language in writing before you pay.
What if PCM threatens to sue me?
Write down the date and the exact words. An empty threat can raise an FDCPA issue if the collector cannot or does not intend to file. It can also be a real warning. Have counsel read the letter.
How long can PCM stay on my credit report?
Many collection entries can remain up to seven years from the start of the delinquency clock. That clock is separate from the lawsuit limitations period.
Can I stop Pendleton Capital Management from calling me?
Yes. A written cease request limits later contact to an acknowledgment or notice of specific legal action. Send it certified and keep the receipt.
What is the number one rule when PCM calls?
Do not give bank or debit information on the first call. Ask for written validation first.
What to do after the next PCM letter
What to do after the next PCM letter is keep the envelope, match the address to 3840 E Robinson Rd Ste 224, and send validation if you have not. Call +1-844-638-1122 if the pattern includes after-hours calls, workplace contact, or contact after a cease letter.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
