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Pinnacle collections - is this a collection agency?

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I need to check on this company. I have been hospitalized for a smashed tibia and fibula. Things have been crazy and one of my bills made it to this collection agency. I told them I could start paying them in three weeks. Then I had a woman call me and tell me I didn't take make this agreement. I then thought it was a different company and new I couldn't make another payment of the same size and told her I could pay a smaller amount. Then she told me I had already made an agreement of the original amount. I then realized she was lying to me. They also want the routing number for my checking account with my agreement so they can put it through on that date. Well I don't trust them. Should I??




[quote=benjaminz6][quote=friendly advisor]Dear friends,
I am not a lawyer, nor is this legal advice. that said, I am a fairly well educated person and my instincts say something smells rotton and these folks Pinnacle financial absolutely appear to be acting in bad faith and ethics may not even exist..that is if any collection agency has any?1 these folks called my home and tried to speak to my wife through trickery, she said her first name and needed to speak with my wife's (first name) and I was like? who? where does she know you from, and she said pinnacle financlial,and I had to probe in order to make them finally admit they are a debt collection agency. clearly their methods are lacking any ethical merit. point is, my wife has aa common naamee, and regardless of what they said, she owes nothing. we have our credit reports monitored regularly. I said that and she asked for information to confirm, I volunteered NOTHING. nor will I. i said, if you think she owes you, send it in writing. she said they already did, and that made it clear she was a liar and obviously has the wrong party. she made threats, when I saaid I will be filing a casse for harassment. she said she will keep calling, and ruin my wifes credit. do it, I saaid, and stop calling. we don't owe anybody anything late, and I am well aware of that, but they wont stop calling. verizon has *57 and you dial it after they call you and the call is traced. some states require you do this twice. then get a police report, and verizon will, with the police take matters in their own hands. I can asssure you, that I don't believe any company we deal with amex, audi, etc would use a company like this. there are levels before a collection agent is hired because that means the company must give them a portion of the debt, and if we really owed anything, we'd know it before collections, and gain, this sounds like a shady black listed company. there are probably some good ones that reputable companies use. I doubt it would be them, even so the nature of the biz is ugly. record them if it's legal in your statee, and tell them they're beeing recorded, I'm sure they'll talk differently. 8)[/quote]

Yes, I agree with you, this is among one of the worst stories that I have heard about debt collectors.

Considering that you do not owe anything, this really does show ignorance, a lack of professionalism, and a lack of information on their part. You do not deserve to be harassed like this for no reason.

In many instances, debt collection companies are operating on bare bones information about their debt subjects.


That is because after a few years of trying to collect a debt, companies start to draw down information about these debtors in their databases.


This could also be a result of companies using collection agencies to collect the debts. So, they call up the debtors hoping that they can scare the people into paying.


They are relying on the fact that many people do not ask to validate their debt. Many people do not ask for verification. They just assume they have debt and they decide to pay.[/quote]

However, there are steps that you could take in order to take action against this debt collection company.

First, you should ask this company for validation of this debt in writing.


You should know that within five days after you are first contacted, the debt collector must send you a written notice detailing the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.



This information is required by law. So, if they have not done this yet, you should send them a letter insisting that they do so ASAP.


If they can't produce such a letter, that would pretty much support the idea that they do not accurate and complete information about the person that they are pursuing.

In addition, you could get these debt collectors to stop calling your house. All you have to do is send them a letter saying that you do not wish to be contacted by their company anymore because the information that they are using is inaccurate or incomplete.


And according to law, they must stop calling your home. You should check our creditor database to see if the contact information for this creditor is available.

Sub: #11 posted on Tue, 07/05/2005 - 19:39

benjaminz6 benjaminz6
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[quote=jabseb]I need to check on this company. I have been hospitalized for a smashed tibia and fibula. Things have been crazy and one of my bills made it to this collection agency. I told them I could start paying them in three weeks. Then I had a woman call me and tell me I didn't take make this agreement. I then thought it was a different company and new I couldn't make another payment of the same size and told her I could pay a smaller amount. Then she told me I had already made an agreement of the original amount. I then realized she was lying to me. They also want the routing number for my checking account with my agreement so they can put it through on that date. Well I don't trust them. Should I??[/quote]

Don't give this people anything that can be used against you. I tried to deal with them and when I asked for their address the rep became agitated and refused to give me their address or to let me talk to a supervisor. He actually hung up on me. I was never rude in any way.

Sub: #12 posted on Thu, 07/14/2005 - 14:58

Unregistered


Quote:
Don't give this people anything that can be used against you. I tried to deal with them and when I asked for their address the rep became agitated and refused to give me their address or to let me talk to a supervisor. He actually hung up on me. I was never rude in any way.


Have you filed a case against them on charges of harassment to you? Apart, if they don't provide you the complete details of your debt account, it is not appropriate to start paying on anything that they claim.

Do make sure that you are aware of your legal consumer rights and you exercise them in the legal way if anything tends to be unfair to you.

Regards
Roxette

Sub: #13 posted on Thu, 07/14/2005 - 16:01

roxette roxette

(Posts: 4009 | Credits: )

Pinnacle continually calls my house every day at 830 in the morning. I have told them that the person they are looking for does not live there and I don't have a number where they can be reached. The person told me that he did not give Pinnacle my phone number, and that he gave them his phone number. Which leads me to believe that they have aquired that information fraudulently. On one occasion when I asked the representative how they got our number, he hung up in my face. Pinnacle's representatives are very rude. One man, Jake, went as far as to tell me to put him on the phone because he knew he was lying in bed next to me and that he was always there at that time of the morning. Another has tried to threaten me, degrade me, and chastise me for asking where they were calling from. They told me I was being "nosy" and that I should stop. They also said I was not supposed to ask them any questions, but to they could ask all they wanted. I don't trust Pinnacle at all. What should I do to make them leave me alone?

Sub: #14 posted on Mon, 08/08/2005 - 20:12

Unregistered


Hi

I strongly recommend you to file a complaint against this company at the FTC. The remarks passed by the representative are highly unpleasant.

Please write a letter to the Pinnacle and ask them to stop further communication with you otherwise you will take legal action against them.

Regards
Roxette

Sub: #15 posted on Tue, 08/09/2005 - 16:34

roxette roxette

(Posts: 4009 | Credits: )

I am also being contacted by this company. I have told them not to call me at work but they did it again tonight. I do have a debt owed and do intend on paying it. They refuse to take nothing less then the amount owed. They keep telling me to transfer them to payroll and they will garnish my wages. There is no judgment against me. I told them I am not allowed to receive phone calls at work but he stated that he doesn't care if I am fired. He states that I don't know what I am talking about when I tell him he cannot call me at work. He also had some very negative comments about my character. He also knows my children's names, I don't know how he knows this but it it alittle scary. I live in Pennsylvania and was told that this type of company cannot garnish my wages and when told not to call me at work they cannot. I have not received anything in writing from this company. What are my legal rights. I know I owe money but this is getting really harassing.

Sub: #16 posted on Thu, 04/13/2006 - 21:30

Unregistered


Ann, I understand how much frustrating these calls are. However, the laws stated under fdcpa are applicable for debt collectors only. So you can not bring legal action against them for breaking FDCPA rules.

You are right about garnishment. Garnishment is a legal process and not possible without a judgment. I think they are trying to take money from your paycheck on the right of voluntary wage assignment. You should write a letter revoking the voluntary wage assignment agreement. Also inform your payroll department not to honor any notice that is not legal.

Contact your Consumer Protection Office and ask about your options against them.

Sub: #17 posted on Fri, 04/14/2006 - 16:10

stella stella

(Posts: 488 | Credits: )

Pinnacle Financial is the name that they gave me. I do not owe the money to them. After I questioned them they stated that they are a collection agency. So my question is, If I told them not to call me at work don't they have to stop calling me at work? I was also told that in the state of Pennsylvania a credit card company cannot garnish wages. Wages are protected under a state law except for child support, taxes and a few other reasons. I do understand that I owe the credit card company money but this collection agency, Pinnacle never sent me anything in writing. I don't even have an address for them.

Sub: #18 posted on Sat, 04/15/2006 - 13:09

Unregistered


Telling them verbally not to call you at work simply isn't sufficient. You've to send out a letter through certified mail with return receipt requested. Also request for validation. As per fdcpa rules, they must provide you with some written documents if you request. Otherwise they cannot start collection activities.

And there are few states that do not support garnishment; you can visit this thread for more help-

http://www.debtconsolidationcare.com/forums/non-garnishab le.html

Sub: #19 posted on Mon, 04/17/2006 - 14:59

stella stella

(Posts: 488 | Credits: )

:evil: They are evil!! A woman there just called my husband reagarding a bill we owe to Empi for an instrument needed for his back and neck problems - we had arrangements made with Empi - This woman from Pinnacle called my husband this morning and said to him, "if you would get a job, you could pay your bills." - very nasty, and unprofessional. What can I do about this harrassment and talk like this - now my husband is very upset, as am I! First we had an arranement with Empi, no word from them that we were in any harm in being put to a collection agency. My husband HAS A JOB - HE WORKS NIGHTS AND MORNINGS - THIS MORNING HE HAD TO BE WOKEN UP TO THIS!!!! WHAT CAN BE DONE ABOUT REPORTING AND GETTING THIS GIRL REPRAMANDED FOR HER HARRASSING TALK AND VERY UNPROFESSIONAL BEHAVIOR AND TALK TO MY HUSBAND????

Sub: #20 posted on Wed, 04/26/2006 - 08:09

charlene charlene

(Posts: 1 | Credits: )


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