I first noticed Pinnicle (Nelson, Watson & Associates, LLC) back in may 2009 so I disputed them. I disputed it twice thinking it was a mistake since i had been a T- mobile user since 2002. I personally never had Verzion, thought about switching but never have.
So today July 31, 2009 I decided i would call and find out why I had this on my credit report. Then dispute it through this company itself. I called 411 and recieved the phone number for about 10 Pinnicles and started calling. The second call in a nice lady informed me she has the number i needed. After thanking her i call and ask to be transfered to the collections department. The lady on the phone (kara) refused, then i asked to speak to her supervisor. So she hung up on me. I ended up having to give up my SSN#, Full name, and DOB to just get the number for Nelson, Watson & Associates, LLC.
After taking a few minutes to calm down after dealing with Kara. I called Nelson Watson. Now i get on the phone with Brian who seems nice for the first min of the phone call. I give him my info, He asked about an address I lived at 6 years ago and told me it was my current address. I told him he was incorrect that i lived in FL for 2 years now. . I told him i lived at that address about 6 years ago and then named the other two addresses i had lived at since. Now I felt this was a joke since I was looking at my credit report and it had my current address listed. Then he asked me to verify the account, and I told him I couldn't that I wanted to dispute it. He started laughing He then told me they have my address on file and thats all they need to link it to me. I told him he was incorrect that even if I lived at a home 6 years ago that doesn't mean that is my debt. That my mother could verify that I lived there and we never received anything from Verzion. His mood then changed He started calling my mother and I Thief's and that we were going to jail. Now that made me angry and I asked him nicely to take it back. He then called me a thief again and said anyone with a 696 Credit score didn't pay their bills, so I asked to speak with a supervisor. Shawn Who was his “Supervisor” Turns out I found out later he wasn't and he lied to me. Started to speak to me about this account and tried to make me pay with out giving me any information. Told me if I requested info that I would have to pay 1400.00 for it and something about 500.00. by then I wasn't happy. I informed him I was going to call verzion and get all the info. So he hung up on me.
I called Verzion and after 2 hours of talking to people. I find out the account was made in Feb 2005 – Aug 2006. That Verzion received one payment and left the account active for 18 months before turning it off. Then I found out it wasn't even a cell phone it was a broadband card and only had usage for on month. Feb-Mar 2005. and that the bill was 1400.00. I requested the bills and any other info and I was told they couldn't give me it because this pinnicle bought this debt. So I tell them I am disputing it and they tell me I would have to go through pinnicles frad department (they don't have one)
So I call back to Nelson Watson and get Brian again I asked to talk to a supervisor I get Shawn. Shawn hangs up on me (said something about now having time) Then I called back and asked to talk to a supervisor and it ends up being brian just acting like another person. He first said his name was Chris then half way through I asked him to repeat his name and he goes its Brian. Now I called him out and asked to speak to another supervisor and he starts saying does disputing ALL YOUR DEBT REALLY WORK if it does I will stop paying my bills and so on. He said this like 10 times then I told him I wanted to speak to his boss and a few mins later I get Brent Bergeron and he is nice and tells me I will be sent the info I asked for but I cant help but think it was Shawn and Brian playing more. Please keep in mind I called them. And this is how I was treated.
What should i do?