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

can you tell me your 1800 number

In August, I closed an account with Alltel, because I was moving, and no longer needed the service. I did this over the phone, and the woman I spoke with told me that my account was, as of them closed.

For whatever reason, in checking my credit report, it showed a $436 negative account with Alltel. I never made any late payments during my contract period, so this did not make sense.

I disputed the claim on Experian, and attempted to all Alltel. The woman I spoke to said my account was not in their records, meaning it must have been cancelled, with no remaining fees due. She said I would need to contact a credit bureau to figure out why the account was negative on my CR.

Now, a few weeks later, I checked again, but now, apparently Alltel handed over the account to Pinnacle.

I am not sure what good writing them will do, as I imagine that Alltel just gave them inaccurate information, or failed to close my account properly, but I do not know how to obtain proof that this debt is not owed from Alltel, since the woman I spoke to was unable to find me in their system.

...what do I do?

I just dealt with Nelson Watson and what a joke. The lady who called was very rude. I know I owe the money and I tried to accept the offer SHE provided...she responded with "the statute of limitations is about to run out on this so you are not the one calling the shots here." She then stated "why do you think you don't owe this money". I told her I was only accepting HER offer. She then informed me that "i have a boss too"...whatever that means. I hung up on her and called Pennical...I got no where. So, I called Neslon Watson back and asked for a supervisor. Believe it or not, someone with a brain got on the phone. I told him I was calling for the mailing address so that I could mail a cease and desist letter as well as file a lawsuite. I informed him that I would not be doing business with them because of how I was treated on the previous call. I told him that if they chose to proceed with legal action over a debt less than $500 that I'd be happy to see them in court. I also had the previous conversation recorded and willingly proved that I could play it back for him. In the end, he worked with me on this debt. It started as an $900 debt ($500 being fees added over the last 3 years) and our settlement was less than $500 broken into 2 payments. It is important to note that this amount is less than what I tried to accept with their original offer. The good news is, they will talk to you if you have them by the balls.

That's great news stormin82. I was contacted by them recently about a valid debt. What I thought was student loan - I consolidated my student loans a few years ago and just thought this was part of it. Turns out it was a private loan from the institution. *sigh* another debt - but OK I'm willing to make arrangements. What they quoted me as a monthly payment was way out of range of what I can afford. I make less than 50% of what I used to a year and a half ago. If it were then I would have just written a check and it would be over. They keep calling me and I keep telling them I can't afford the payment you want. They keep telling me to try and get a personal loan. It's like your favorite all time joke. They keep saying it and I keep laughing sarcastically and tell them my situation. Then today someone called and did the same thing with the loan suggestion - THEN told me if I give them a copy of a loan denial then they will put me on a low payment plan. Gee, doesn't my meager salary cover that issue? Sorry but I am not going to apply for a loan and get denied. Plus, that also puts a ding on my credit. These people are idiots. I have never heard of that tactic either.

Are you high?... I spent the last 10 minutes having some mouthy witch tell me she doesnt have to explain anything to me and that they dont handle the accounts, that i have to contact the underling holder they have, and guess what?...the 3rd party pinnacle underling says i have to speak with someone at pinnacle in regards to fraud... So i called pinnacle back only to have their telephone witch tell me all she could do is have them call me,,. And its been 3wks....no call,,,, they are crap, they shouldnt be allowed to conduct business this way, and i dont appreciate their inferrment that i am skipping out on a bill. I have proof that i lost my wallet, a report was filed and now i have this to deal with too?? Its flipping 2#%^$^%****sh**t.

Someone needs to take them down or shut them down.

Is this bill still $ 240.00 the other com. stephen michaels said they don't have it said to call you

is it medical collections??

all i want is answers regarding my bill.and why they have'nt remove it from my credit.it still showing up that i have'nt paid it.i do have all my receipts,but i still dont understand why an agencies like this does weird things.likeyou pay your bill in full as they stated,but then you still have it popping up on your credit report.

I had an acct. through verizon wireless. They offered a special deal for piolet ins. empl0yees working during the hurricanes of 2005, they let us get wireless internet without a contract because they work was temporary. Now pinnacle is trying to collect an early termination fee and 2 months of service . I had already closed the acct and did not sign a two year or any contract. I have asked them to send a copy of the contract which they cannot get from verizon because there is not one and i keep getting sent between verizon pinnacle and Nelson, Watson and Assoc, llc this is still on my credit report and i am at a loss of what to do?

I am having trouble with them also. I received a medical device from Empi at a pain clinic and was told that I had no out of pocket charge. Now I owe more than 200 for the machine. I want them to stop calling all the time, threatening me, raising their voice and I want proof that i owe this. Can someone help guide me?

Hi Candycane,

Do not make any payments to them until the collection agency validates the debt. Send them a debt validation letter asking them to prove if you really owe the debt and if they have the right to collect it from you. Even if you owe the debt, the collection agency cannot harass you over the phone. They cannot call you at odd hours, they cannot call you at your workplace. Theses are not allowed as per the FDCPA laws. To know more about the FDCPA laws and the limitations they impose on the collection agencies, you can refer to the following page:
http://www.debtconsolidationcare.com/fdcpa.html

I have a collection on my credit report, what is it for?
My SS#

Hi John,

Check your credit report to find out the collection agency which has reported the account to the credit bureaus. The contact information of the CA should be given on your credit report. Contact them and ask what they are trying to collect from you. If you are not sure whether you really owe the debt, send them a debt validation letter. If they cannot validate the debt, they cannot report it to the bureaus. You can then dispute the account with the credit bureaus and have it removed from your report.

No truthfully they can't. What the game is now since that should have been off your credit report. Which it maybe. The phuks keep a file and disguise it and once you send in a payment it re-ages the acct so you have nine year old debt charged off; which hangs around for another seven years now totaling 16 years. Call the Federal Trade Commission or the Attorney Generals office in your state.

Hey soon to be lawyer your an settlements leave derogatory info. I too used to be a collector dumbass and if the agencies can't collect on it too bad. If the debt is over three years old so be it. You said it it's been bought and sold after chargeoff. people let it sit and technically six years and ten months get it removed.

The point of all this the collection agencies and pricks who own them have to feel apart of the equation. I used to work them and one bank years ago. The workers really don't get compensated the way they should the good ones anyway. the companies play a lot of grab ass. The fact is banks already know how much debt per month/yearly will be apprx charged off in credit cards and lines of credit etc. the bank has already made the money many times over from every swipe then the interest rates. The bank ceo,collection ceo and the few underlings make the bread. They put that woe is me bs out there when really they run the game and put it out there for you too pay a bill which they purposely refused to work out payment arrangements to keep you on edge. there is no sense of urgency either that have it there by clicking the mouse. Often time info is also with held from adjusters but known by the upper management. They often have contact info but purposely mess the info to make the collector send to an old address to buy time so the CEO gets his before it's sold like a hooker to the next bidder.