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

Pinnacle Credit Services, LLC is a collection agency headquartered in Minneapolis, Minnesota. Go through the following topics to know about the consumer complaints against Pinnacle Credit Services:

What are consumers saying about Pinnacle Credit Services, LLC?

Community members participating in the DebtCC forums have made several complaints against this collection agency. Here are some of the Pinnacle Credit Services complaints:

  • Calling at wrong numbers: Calling at wrong numbers: Debtors say that Pinnacle Credit Services often calls at wrong numbers even though the individuals receiving the calls repeatedly tell them that they don't have an account with the CA. Learn more...
  • Repeated calls at odd hours of the day: Many posters have complained that the CA calls debtors at odd hours, often before 6a.m and after 11p.m, thereby violating the FDCPA. Debt collectors may only call debtors in between 8a.m to 9.p.m, the debtor's local time. Find out more details...
  • Threatening debtors: One customer said Pinnacle Credit Services LLC threatened to inform her spouse's (who was in the Air Force serving in another country) commanding officer if she didn't pay off debt. This would cause her spouse problems. The customer hadn't stopped making payments, but she couldn't afford to pay more than $50 a month. Pinnacle Credit Services wanted her to pay $250 a month which was impossible for her to manage. Learn more...
  • Trying to collect debt without notices: One person said that the CA contacted his father about payment on an old debt. The CA said that they had been sending notices for payment, but the person complained that his father hadn't received any notices regarding the debt. Get further details...
  • Not willing to accept a deletion letter: One customer says that the CA wasn't willing to accept a Pay for Delete agreement that would have helped him remove a negative listing from his credit report. But the representative didn't allow him to speak to a supervisor and refused to agree to a Pay for Delete agreement without even taking a look at his account. Find out the details...
  • Attempting to collect a debt already paid off: One community member said that Pinnacle Credit Services LLC contacted him about a bill that had already been paid off through Chapter 13 about 15 years ago. The member had just restored his credit and he wasn't willing to have the account back on his credit report.Learn more...
  • Threatening to sue: Pinnacle Credit Services LLC contacted a debtor about an account that had been outstanding since 1995. When the person asked the CA to validate the bill, they threatened to sue unless the debtor disputed the charge. The debtor had sent the dispute letter along with a request for validation, but hadn't gotten a reply. Find the details...
  • Not providing information on debt account: Some members have said that the CA is not willing to provide customers with the details about where the debt originated. When customers call to get information on the debt account, the representative hangs up on them. Learn more...

What are the steps to dealing with an old account held by the CA?

Take the following steps when Pinnacle Credit Services or any other CA calls you about payment on an old debt.

  • Check your credit report: Check if the account shows up as being in "collections" on your credit report.
  • Know your state's SOL: Find out what the Statute of Limitations (SOL) is in your state. If the SOL has expired, then the CA cannot take you to court. If you've relocated to another state, the SOL of the state where your debt originated may apply.
  • Request a validation: If you're not certain whether you owe the money or not, then ask the CA to validate your debt. Learn more about debt validation.
  • Pay in full or work out a settlement: If the CA sends you enough proof that you owe the debt, you should negotiate a payment plan or work out a settlement where you can pay less than you owe.

What if you don't owe money to the collection agency?

If you do not owe the money, you should send the CA a Cease and Desist letter stating that you have already paid the bill. If they continue making harassing calls, file a complaint with your State Attorney General and the FTC.

What are the contact details of Pinnacle Credit Services, LLC?

Pinnacle Credit Services LLCs address is:

7900 Highway 7
St Louis Park, MN 55426

Pinnacle credit services phone number: (952) 939-8100

Does anyone have any idea who Pinnacle Credit Serv...
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Does anyone have any idea who Pinnacle Credit Services LLC are? Financial Recovery notified me that I owe 2500.00 and have no idea who these people are...


Welcome to forums. Here is the Pinnacle Credit Services LLC address -
Pinnacle Credit Services LLC
7900 Highway 7 Ste 100
Minneapolis, MN 55426-4049

It is listed as a credit reporting agency in BBB's database.

You have mentioned that Financial Recovery notified you about a due debt. Did they send you the debt validation? If not ask for it, send CMRRR to them. You need to pay the amount once they provide valid proof of your debts.

If they have already sent the validation to Pinnacle Credit Services LLC, go through it carefully. If you find any incorrect entry, dispute it within 30 days. Get the details of debt validation here-< br />
if you need any more information, feel free to post in forums.

Sub: #1 posted on Tue, 12/27/2005 - 10:20

4u.bryan 4u.bryan

(Posts: 819 | Credits: )

This exact company (Pinnacle Credit Services LLC) has been calling my home for MONTHS all day every day trying to find some girl who doesn't even have this number anymore. I live in a college town so numbers around here change hands frequently. I don't care how many times I tell these people this girl doesn't have this number anymore, they won't stop. I've been nice, I've been rude, I've been ruder than rude. No luck. Until tonight I didn't even realize who the company was except they had a recording call me first and that mentioned their name. What can I do to stop this harassment??

Sub: #2 posted on Thu, 01/19/2006 - 17:16


Wngzie, the company must give you some details proving that you owe this debt. As Pinnacle Credit Services LLC may fail to give you the valid details, they will have to remove your number from their system.

Sub: #3 posted on Thu, 01/19/2006 - 17:33

david david

(Posts: 1229 | Credits: )

all I ever got about these people was a mark on my credit report for $232.00. I never got a call, letter, bill, nothing from Pinnacle Credit Services LLC. What kind of scam are these knuckleheads trying to pull

Sub: #4 posted on Thu, 02/23/2006 - 07:06



You can contact your original creditor and confirm who is holding your account currently. You can ask your creditor to settle the account directly with them. OC might accept your proposal. If they do, make an agreement and get it signed by them.

Once your account is paid in full, your creditor has to report it to the credit bureaus.

Sub: #5 posted on Thu, 02/23/2006 - 08:39

stanley stanley

(Posts: 1639 | Credits: )

Here's a bit of info for this company (pinnacle credit services collection agencies). I found your forum on accident, but i hope it helps someone. This company showed up on my credit report too. It took me 45 minutes to find a good phone # for these bozos, and I asked the b*tch how they got on my credit report and she told me to call the lawyers servicing my account. Then I asked why no one contacted me before they sent my account to a damn lawyer, and the little b*tch (Julie is her name) hung up on me! Thanks for the great customer service! Anyway, Pinnacle Credit Services number is 952-939-8100 if anyone needs it!

Sub: #6 posted on Fri, 03/24/2006 - 10:38


What a joke of a company! Don't do any business with them. I just got took for $850.00. Thanks for the number, you are right it is hard to find a number for those bozos!

Sub: #7 posted on Mon, 03/27/2006 - 13:40


Yeah so i just got my credit report. Pinnacle Credit Services LLC obviosuly are trying to prevent releasing their number. Regardless they bought out who I was in collections for initially and took it upon themself to add to my balance (not including the interest im sure they will inform me of when i call. Thanks for the number Ive been looking for it for a while too.

Sub: #8 posted on Tue, 05/30/2006 - 22:28

sogand65 sogand65

(Posts: 2 | Credits: )

i found another number of Pinnacle Credit Services LLC 1-888-809-2320. They like to leave you on hold. No point in paying for it

Sub: #9 posted on Thu, 07/06/2006 - 13:05


i called them and they said i have to contact nelson watson and asscociates @ 800-388-1190 not sure if that helps.

Sub: #10 posted on Thu, 08/17/2006 - 14:40


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