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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??

Boy its really easy for all you to poke and pick at flaws. Maybe you should look at your own flaws. For that person that refused to verfi information. that is your fault you look guilty to a DC....if they ask the last 4 of your wife social and give you the numbers what harm is it in saying yes or no. And if you are disputing the bill send it in WRITING... DC hear that same sobbing storry every day.. i never got a bill i dont owe this.. etc .etc.. put it in black and white and they will take you serious and NOT think you a liar. At least get a fax number and fax them the request. if you can take time to complain on a web forum then you can fax a letter or mail one.

Sub: #61 posted on Sun, 07/15/2007 - 09:38


1. Consumers are not required to provide info to a collector and do so at their own peril.We really don't know who is the other end of the phone.
2.A dispute can be verbal,this has been established by case law & Ftc.
3.The debt collector is required to follow the fdcpa in it's entirety whether you like consumer or not.If you cannot handle this,get another job.
4.I don't see any point to your post that would discuss anything relevant to the topic.

Sub: #62 posted on Sun, 07/15/2007 - 10:35

cajunbulldog cajunbulldog
(Posts: 4850 | Credits: )

I do not own them money but sent this letter anyway. I have not heard from them since.

[quote]Your Name
City, State, ZIP .

Jan 15th 2007

[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]

REF: Account #

Dear [Insert name of debt collector calling--if available--here]:

1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Tennessee Attorney General's office. I will pursue all criminal and civil claims against you and your company.

3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.
Give this matter the attention it deserves!

And have a nice day.[/quote]

Sub: #63 posted on Thu, 07/26/2007 - 08:32


These pinnacle jokers have been calling me too asking for personal info that I'm obviously not going to give out. The funny thing is, I have never had T-Mobile and neither has anyone in my entire family. I actually went into a T-Mobile store and it got sorted out that the number they were calling me on used to belong to a T-Mobile customer as a "can be reached" number. When they changed they number and we got it, the calls kept coming! So this great guy at T-Mobile deleted the number from their customers account. We'll see if the calls stop...just a suggestion for some of you who get calls but have no business with them or T-Mobile at all.

Sub: #64 posted on Wed, 08/08/2007 - 21:32


first of all you cant record their conversation without their permission, unless you are running a business and recording for quality assurance purposes.. by the way thats a good point about affording a computer and not being able to pay the bills...

Sub: #65 posted on Fri, 08/31/2007 - 18:03


do you go to the grocery store and not pay for the groceries?

do you tell your landlord you dont have the money for rent?

this is rediculous

it is not harrassment if you OWE a bill and someone calls you for payment...
it is the same as STEALING

Sub: #66 posted on Fri, 08/31/2007 - 18:10


attagirl it is not stealing.We assist people in handling their debts responsibly. What this means to a collector such as yourself is follow fdcpa in it's entirety and you will be paid.

Sub: #67 posted on Sat, 09/01/2007 - 04:26

cajunbulldog cajunbulldog
(Posts: 4850 | Credits: )

I have had a similar problem. Except that I tried to whats right and called them myself first to pay them monthly. "Michael" told me that he would not bother with small payments and would call me every day from here on out. Today is Thursday. On Friday morning I will be contacting my attorney. I'm in Florida and have access to the 4th largest law firm here. I got my family a Family Legal events plan about a year ago. We pay 36 bucks per month as a group benefit and have unlimited access to our law firm. We have called them 8 times in the last year and they have written letters on our behalf. And we still have not payed anything extra on top of our premium. If you want to get to know your rights in any state, go to We don't know all of our rights but we sure are happy we have our attorneys that can tell us.

Sub: #68 posted on Thu, 09/20/2007 - 17:24


i tell you what worksfor me sometimes you got to just get nasty back at these unthoughtful rude people. the next time they call get there number and a good high pitch whisle and begin right after they call you and as soon as some real person answer blow it and hang up and redial them again and repeat this until they stop answering your call because there is usually more than one of these idiots that work for this type of scum company. they will call you again and when they do repeat this procedure until they finnally block you from calling them but they will still call you. now youll be block so do alittle online research because all these type co. have multiple numbers and use one of there other lines and youll see that after alittle bit back in your face crap there employees will grow causions about calling you. for me this has worked i went from a whisle to one of those boat horns from walmart for 4.95 in sporting goods they are the best if not file a complaint this usually dosent work very well and if it dose it usually takes months. not that my method is the right one but i see no other choice other to get these buttheads to stop. so to each his own.

Sub: #69 posted on Sat, 09/22/2007 - 00:26


:P :) :D :P :shock: :D :mrgreen:

Sub: #70 posted on Sat, 11/17/2007 - 08:57


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