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

Can Pinnacle Credit Services Sue Me? Can I pay on debt?

yup thats how much there saying my husband owes them 20thousand f***ing dollars, i just found it on our credit tonight!!!!it was back in 2007they say, said it was an auto loan!!! yeah wish i could afford a 20 grand car, we were paying off a 4,000 and that was tight!!! ok guys u gotta help me i have no clue what do i do first!!!! i did get the #952-939-8100 thats a start i guess

Dispute this with the CRA's as "Not Mine". If Pinnacle verifies, then request an investigation of the account with Pinnacle under sec 623 of the FCRA. If this is indeed not your husbands account and the above does not remove the tradeline, then go the ID Theft route. www.ftc.gov

I just got a notice for Pinnacle saying I oue $5362.83 and can settle for $1072.57. This bill is from the hospital and I have been paying monthly to the hospital, as arranged. How can they butt in, and why? I'm making my payments on time, they have no danm business to do this. Do I need to call better business, or what can I do?

Guest: I would contact the hospital and ask them whats up because they would have been the ones that reported you to the CA.

Pinnacle has harassed me thru 6 different collection agencies for over 10 years for a debt that I do not owe. How do I stop them?

Send them a full cease comm FOAD letter. They can contact you one final time to inform you a)they are ceasing collection efforts or B)any specific action (sue) they intend on taking. What state do you live in? When was the last time you paid on the account?

I have been contact by a company named cbss. this company says that Pinnacle is using them to collect a debt for them. This debt has been paid for 7 years. I am having a hard time proving this as it has been so long. Please help

you send a DV and C&D letter to them.send it certified mail return receipt.it is up to them to prove you owe it not up to you to prove you don't.

what is your phone number.

We do not ask people for their phone numbers on the forums. If you know this person then I would suggest to register and then start a private conversation with them.

DO NOT GIVE OUT ANY PERSONAL INFORMATION ON THE FORUMS!!!!! (i.e. Real name, real address, real phone number, and NEVER give out your SSN)

hi my name is robert taylor and my account number is FP0? i was just wondering what company through pinnacle credit services i owe $952.00 to?

This company mail a collection notices to my son about an account that was settle with other company in 2007 we ask for your information .we were told that they did not have your number. we will like to fax you document about this account that we settle in 2007 with Capital Management Service LP for the amount of $3,159.07. Your email address has been removed for your protection, please contact your lender directly, we are a get out of debt community, Thank you, Shazzers

Pinnacle keeps calling my number multiple times a day asking for an individual that does not reside at my home. I keep telling them they have the wrong number but they keep bothering me . What can I do ??

I sued pinnacle for $3500 for reporting negatively for five years on my credit report. I never received any notification from pinnacle or any of their associates about the original debt i owed. When i finally got a recent copy of my report i was shocked. Get a small claims lawyer, have the lawyer do the calling for you. Point is, i would have happily paid the original debt amount, but instead i got my debt released and pinnacle paid me =D btw, the idiots a pinnacle are all trailer trash. no joke...

These people are ruthless! we had a bill for 918.27 which ended up being over 1234.75 when they added their charges. I am reporting this to the FDCPA! what a ripoff :o

The FDCPA is a law, not an enforcement agency. If your original agreement allowed for interest and fees, they have doen nothing illegal.

Ok so i had a account in collections with RJM for my verizon phone bill..I settled out with them 5 months ago..I print my credit report and here Pinnacle has it listed on them that i owe them since May 2009..How on earth can they buy somethin that has already been settled out and done? Is this even legal??

Yeah, I had the same thing happen, Verizon bill was handled by Midland Credit, I paid them, then I see Pinnacle on my credit report. I called them and they said some other company was handling it and transferred me to them, that company had me fax the proof that I paid the bill and said they would have Pinnacle remove the entry from my credit report. That was a month ago, I just got another credit report and they are still on it. Called Pinnacle who tried to pawn me off on the other company again and I said 'No, you are on my credit report, you are responsible for showing me proof of debt, and you are the only ones that can remove the entry from my credit report. My next call is to a lawyer if you don't handle it on your side.' She said she would contact the other company and get back to me.

About a year ago I strarted getting these Fake court papers in the mail saying that they were taking me to court. They supposable sent someone to my house to hand me a summons. In which they did not. I guess it was An old RG&E bill(Rochester Gas and Electric). First of all they put it down wrong.. They wrote "rge". Just lke that. I thought they were pro's. Then i was getting these letters in the mail stating that they will hold all my assets and audit me. Then I was getting all these little newspaper clipping with my personal information on them. wherehey came from isbeyond me.
So when I got that I made sure I called them to see what was goin on. The paper told me to call there lawyer. Well the women who picked up wasnt even professional about it..She answered it by saying hello. I think something fishy is going on with them.Anybody can make themselves look real. I was reading some of these questions and the women who was told to call this watson guy...His name came up on a phoney letter sayind that I won the lottery up i canada.If it really is my old RG&E bill I only owe like 300. Not the2,066 that there saying.. I think there scammers.

Sounds like they served you via publication. Contact your county court. You likely have had a judgement awarded against you

Well see I'm trying to buy a house and the guy sent us our credit report.. I have not one judgement on there, I have this so called RG&E bill and the rest are parking tickets. can you up load things on here..I would love to show you guys what this" summons" looks like. I would make sure none of my information is posted.

Don't rely solely on your credit report. Check your county court website first.

I do believe this reply is for the military members and their spouses or dependents.
Being a member of the Armed Forces, I can attest to the fact that it is legal for debt to be collected through your command or unit. It has been my unfortunate pleasure to attend several proceedings in which a loss of rank and sometimes (depending on the severity) a bad conduct discharge has been issued in response to poor financial habits. These habits were either while the service member was active, but in some cases they were from their previous civillian life. That may sound like a bad deal especially on the latter, but as I recall, I was never asked about any financial debt when I enlisted.
It is not uncommon for service member's commanding officers to recieve calls on financial issues in regards to spouses or children. The threat made against the career of the service member though is bogus, and nothing more than a scare tactic. The only thing that could possibly happen is that the commanding officer may make a suggestion for family services to provide financial counseling. Reprimand could only be issued if the debt belongs to the service member, and remains unpaid.
If I may, please take these options into consideration. They may help save your military career or your marriage.

1.) If you have debt (regardless of the length of time), ask to speak to a Financial Liasion in your command or unit.

2.) If you are afraid to have your command or unit become involved, try speaking to the base Family Services Center. Do know that eventually key people in your chain of command will have to be notified.

3.) If you find yourself in a situation where you are being pestered by a company like Pinnacle, talk to your command Legal Officer. You can also speak to your base Judge Advocate General's office.

On another note, refer to these references in regards to applying for loans of any sort. The sooner you can make a difference or prevent a situation, the better. I'm not a lawyer of any sort, I am a former military police officer, so there are probably references or venues I may have forgotten. You can also refer to the Uniform Code of Military Justice or the Manual for Courts Martial in the event your rights as a service member have been violated.
The good news is that you can survive, I know because I was once a young wreckless spender. Keep your head up and use your DoD resources. God Bless!

My apologies for not clarifying. I read through all of the pages and had come across a guest who was the spouse of a service member.

I know several people in my branch of service who are currently dealing with Pinnacle or their other affiliates. The above post is intended for others in the military who are suffering by the hands of every one's favorite collection agency.

On the civillian side I am not familiar with the documents that are mentioned concerning credit law. So I do have a simple question for the Moderator's of this site.

Is it indeed illegal for the employees of the afore mentioned company to swear at it's customers or "targets"?

I know you will recommend I check out the documents regarding the law, but I figured a quick "yea" or "nay" might come from you quicker than I could find it through reading.

There is an accout in your department that is listed on my credit file and I am not aware of what it is for. Please forward me information on what it is for. Thank you

Would this be filed in the state I live NOW or the state I was in when I first had the loan, which has long since been paid.

FDCPA complaints are filed with the FTC regardless of state.

The guy not only told me i was a scumbag but said he was calling my nieghbor lol. I proceeded to rude in ways this college dushe could never understand in fact him and his coworkers would have the new guys call me just to break them in. All the playful bantor aside is there anything i can do to the company because they did that. P.S. they guy would actua;;y call me and tell details about the new workers just so i could f with them

Is a web site or anything for that ?

ahh dumb question my bad
\

I received a msg from a named caller who did not identify the purpose of her call. I did a reverse look-up on the number and it gave information I didn't understand. A close, computer-savvy friend was able to discover that the number was associated with Pinnacle. The call regarded a not-for -profit animal rescue I share with her,so my colleague returned the call herself. Not knowing that she had already called, I did the same a few minutes later. A very, very rude woman answered the phone, and with a sarcastic tone said, "Are you not AWARE that it is ILLEGAL for someone else to represent themselves as you? Do you not know about that law? I gave that person legal information! How could you not know that was wrong...? She did not stop to let me answer her, so I interrupted and told her that another member of the rescue often makes calls on my/the rescue's behalf. She said,"Well that is an ignorant way to handle your business, and you did this deliberately, so 'things' will escalate at this point," and immediately hung up. I had no chance to respond to even ask her what the call was about.

This regards a debt from 6 yrs. ago that I do not believe even shows up on my credit rpt anymore.As a matter of fact,I thought the issue had been resolved with the clinic.I went to another of their vet offices, paying with a check, and nothing happened. It was at the second visit, about 3 wks ago, that I was told after I paid for those services that they "shouldn't have even let me be seen here because of "my huge balance."

What should I do at this point? I am disabled, so my wages cannot be garnished. I have no assets.

I recieved a phone call from these people and they are trying to tell me I have to pay 16.662.01 for a credit card I had a couple of years ago and I only owed around 1000.00 The man i talked to didn't want to hear me and just threatened me with all kinds of leagal fee's and facts so he said.. Pay or else

I have recently viewed my credit report and have noticed that this company is on it for me owing money that I have no knowlege of owing as well as some company called Arrow financial service. Can anyone tell me whom I can conact in order to settle this. As I am getting ready to deploy again to Iraq and I would appreciate it if I could recieve ths information as soon as possible and resolve this issure.

I would like to know how to get this issue resolved. There are 2 accts placed on my credit file and have been for some time for Verizon Wireless through a Pinnacle Credit Svc. I am not a subscriber of Verizon nor have I been

Dispute it with the credit reporting agency.

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?

I was contacted by Pinnacle that as a co-signer I had been turned over for collection by Wells Fargo for a 20K debt on a repossessed car. Advice please.

I found out a month ago that this PINNACLE company has posted a non-payment on my credit report with Experian for $150. This account was sold by Verizon and it was the result of a penalty for early cancellation (before 2 years term) on my wireless account. I did not have to pay the early cancellation fee because I moved overseas, returning to my country, and under those conditions you are not required to pay a penalty.
Now 4 years later I am back to the US with a negative post on my credit report. Verizon doesn't give a damn about my situation because they sold the account, although they made an illegal charge to begin with, and Pinnacle says the debt is valid. What a bunch of careless scumbags, this credit report system is screwed up.

To be honest Even if the debt isn't yours i doubt they would remove it from your Credit report. I requested a verification of debt like a month ago and they still haven't removed it from my Credit report. but they did report it as past due this month. Got to love Pinnacle.

One thing i have learned from this is I will never be a costumer of Verizon. LOL and its funny i considered switching from T-mobile (which i have had from 6 years to them) before i found this out.

I have recieved a letter in the mail from this pinnacle credit services. They are trying to levy all of my possessions and put them in control of Bank of America to satisfy a debt amount. The only problem I have with this is that I have never had a bank account, credit card or any thing else with bank of america so I have no idea what they are talking about! The letter doesn't have an amount on it so I have no idea what I apparently owe, what should I do? It doesn't even have a number on it that I can call. This whole mess is stressing me out because all I have is my car, i don't own anything else!

I have recieved a letter in the mail from this pinnacle credit services. They are trying to levy all of my possessions and put them in control of Bank of America to satisfy a debt amount. The only problem I have with this is that I have never had a bank account, credit card or any thing else with bank of america so I have no idea what they are talking about! The letter doesn't have an amount on it so I have no idea what I apparently owe, what should I do? It doesn't even have a number on it that I can call. This whole mess is stressing me out because all I have is my car, i don't own anything else!

pinnacle claims I had a credit card through citibank opened in 2000 and paid on it for three years then stopped paying. I never heard a thing from them before. Now they have sold my debt to an attorney office who sent me a letter that says debt was 3,000 dollars but now is 8,000 dollars with all the interest and other stuff. But I never heard from them before. What can be done about this.

Send them a Debt Validation letter.

I ordered my credit report with the scores this year. I Looked at both Transunion and Experian and noticed a Pinnacle credit services making inquiries on my report. We had debt that charged off on the advice of an attorney over 11 years ago and none of it is listed on any of our credit reports and we have worked very hard to get our credit score above 700. I do not want these clowns to mess anything up now. Is there anything we can do to stop someone from looking at our credit report? I know our bank and our one credit card company and the banks that have our car loan can look at our report and anyone that we would apply for credit have the right to look. However, I do not like the idea of anyone looking at our report without a valid reason.

:rolleyes:pinnacle sucks balls the trick is to call them to locate it don t bother discusing it w/them you ll just get mad then contact the lawyer they sent it to get a copy of the debt don t pay till u see it here are the #s pinnical 1 952 939 8100 nelson watson &asscociates. 1800 388 1190 be carefull pinnical gave me # 4 n.w&a was busy every time i called

Dispute the inquiry with the credit bureau. State that the company has no business with you and no permission by you to check your report and is making said inquiries fraudulently.

They have been harrassing the last few days, cannot provide any proof of money owed by Bank of America, whom I do not have an account with, did 12-15 years ago, but long ago paid off. Never have heard from Bank of American, just Pinnacle harrassment. What do I do?

Oh, and because of the harrassment, I paid them $100 to get them to stop. Can I get my $100 back.

Sue them in Federal court and collect your $1,000.