Pinnacle Credit Services - Consumer reviews and steps to deal with it

thank you everyone for the phone numbers. I wasn't able to locate these people anywhere. You are right about the customer service. Sounds like they have people working from home taking their calls.....i could hear a dog burking in the background.

My bank just told me that I had a ding on my credit report of almost 1000 dollars. I have never heard from them or interacted in any way with them. It droped my credit score 54 points. Thats rediculous. I will contact the credit bureaus to dispute this because it is causing F@*&ing hell for my wife and I trying to get a house.

Makes me madder than a 3 legged dog trying to bury a turd in the ice.

I do not know what Pinnacle is, whether a collection agency or a debt purchaser... but the end result is the same. Harassment from either them or the bill collectors. The original dispute was with Verizon and their unwilling attitude to adjust a bill in which they made a mistake in changing the calling plan. As a result I was billed an additional $235 in a single month. That has now grown to $540 with Pinnacle and NES (their hunch men). I have received over 60 calls... many before 6 am and after 11 pm. There is no regard for anyone owing a bill, whether disputed or not. An attorney stated that a small claims lawsuit was appropriate. First for collecting an "unverified debt" (i.e., Pinnacle has to have proof the the debt is legal and that it is owed to the original debtor). The second is that most states have legislation that protects consumers (Fair Trade and Consumer Protection Act).

This company came up on my credit also located the information which True logic collects for them. They did not have any phone # for me or correct address. I finally found out that they are trying to collect on debt of a credit card through providan that was paid off in 2004. Now that I contacted them they will not stop calling they call at least 3 times a day. They stated they bought this debt out from Providan in 2006 But when speaking to Providan now owned by Washington Mutual who bought them in 2005 theres no way they could. Still fighting them, have cancled check to prove payment not enough proof for this so call company.

I would also suggest disputing them with the 3 major credit bureaus (TransUnion, Experian & Equifax) to get them deleted from your credit report. Sometimes this works.

Does any one have a fax number for these clowns

I don't have a fax number but I do have number where a person actually answers the phone unlike the one on their bill which is just voice mail. The number is 1-800-513-6852.

I had the great pleasure of speaking to three of their insensitive employees. I tried to reason with them. They were completely unreasonable especially the one that went by the name of SHANE. He hung up on me as I was talking to him. Classy. I tried to make a payment plan. They refused. I tried to appeal to their goodwill by explaining that my spouse is in the Air Force serving in Iraq and I was recently laid off from a government job. The lout named Shane threatened to tell my husband's commanding officer about this debt implying that he would suffer greatly if this debt was not paid off immediately. (insensitive maggot that he was) It's not as if I was avoiding to pay it because I was already paying on this debt $50 a month because that's all we can afford at the moment. They wanted all or nothing right now. After pleading with them, they were "kind" enough to offer 2 payments of $250 a month. If I could barely afford $50 a month how would I come up with $250? In the end I had to bargain with them on their shoddy terms. If I could afford a lawyer, I would happily see that their butts were on the street instead of gleefully harassing from their comfortable chairs.

Pinnacle, you may have one this time but I know that karma is just waiting for the right moment to even up the score.

Believe me, I am quite convinced that there is a special place in hell for debt collectors where the devil himself calls each one himself to harass them for eternity.

I was hit by this entity too just around Feb. 2007 for 10K. Not easy to trace what the original debt is, but I think in my case they purchased credit card with non-payment of $4,000, which was charged off in 2001. I wanted to contact them and settle the case. I am in a financial situation I pay 4000 today to get rid of it.

But, my Gosh! Reading through the horror comments in this forum (which by the way appears to be the only valid and curent forum on the Internet about this company), it seems to me contacting them would produce no result except psychological stress. What is the point of receiving their harassment, if they don't settle? In my case, I did not get the initial letter. No phone call either.

They probably bought my debt for 1 cent for a dollar. Even if they settled this debt with me for the original amount of $4000, they would still make a net profit of over $3900. What is the 10K for?

I have two questions.

1. Is there is a federal law to prevent these debt purchasers from imposing undue interest on consumers' original debt? Even the IRS does not impose this kind of interest on past-due tax liabilities! This is borderline harsh and brutal punishment. How sad.

2. What is the phone number to Attorney General in the state of Minnesota?

I just got served with a lawsuit and have no idea what this about. They have my name and an AKA of someoned I never heard of on the suit. what do I do?

These people tried contacting my Dad about 4-5 years after the original debt with a cellphone company. They said they had been sending notices all the time, etc...I never got ONE! The original creditor charged/wrote off my dues, so how can they then try to collect years later? I don't get it?! Is that legal?

heres a little leason from a real collector and soon to be lawyer....first of all pinnicale is the best debt buyer you could be stuck with, secon the MISTERYIOUS mark on you credit is your own fault you dumb shytfuc* heres how it works you defaulted on your lets say CHASE bank card chase tried collecting on it and then send it to THREE collection agencies to collect on it of which non did cause your a SHYTBAG and then pinnicale bought all legel rights to you debt for 1% or less than what u owed and now u owe then now they will send it to 2-3 collection agencies and there gonna ream you till you pay, by law they can call you 100x a day as long as they only make contact once, and everyday on every number you have (which includes you family freinds neibors cousins aunt uncle old roomate literally anyone you've everyone known will get a call, its allllll public record) pinnice however sometimes lets u pay off the debt for less than you owe, cause they you your a poorbox, say u owe 1000 you pay 600 and they (only one i know of) will actually report you paid it all nice guys huh

****Adult term removed - Jason

part of the millitary code of law stated you cant owe debt by the way dumbass and since hes you husbands CO i could talk to him and yea he would be in deep shyt and 90% alow me to collect on you debt through your husband just as if it were his, and for the other know it NOT on here a simple bill from when pinnicle purchest the debt is proof enough and if you request that all offers come off the table and if they bring you to court ooooooo 33% of your weeky wages GONE like taxes, you house there house just pay the BILL you HAVE money credit freinds family dont tell me otherwise your fuc***g LIEING you dont like it then dont rack up the bill ok! im very nice and cordul and most of the dtrs i spk to really want this resolved and i help them but you people are the WORST dtr the DEBTORS btw and you deserve got 100 calls a day if you have a question on the fdcpa ask and ill be glad to tell you if you have any idea what ur talking about jeez read fact b4 fiction here people and YES INTERESDT IS ALWAYS THERE AND ALWAYS WILL BE IT WILL START WHEN YOU CHARGE IT AND END WHEN YOU PAY IF A 15,000 BILL CAN GO TO 40 IN 7 YEARS

I don't know who collector guest is,but he had darn well better tone down his posts or he will be booted off this board permanently!!

Avoid all the *** and ask for Steve, their supervisor.

I am having issues with these people as well. They are the worst people to work with. I told them i would pay the debt but i need a deletion letter from them. There response "no". SO apparently they are unwilling to accept payment for a deletion letter to have the ding removed from my credit. When i asked to speak with a supervisor I was told i could not. It is rediculous! The only person I was able to speak with was Steve. And he did not even look into my account just flat out said "no".