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

I am having trouble with them also. I received a medical device from Empi at a pain clinic and was told that I had no out of pocket charge. Now I owe more than 200 for the machine. I want them to stop calling all the time, threatening me, raising their voice and I want proof that i owe this. Can someone help guide me?

Hi Candycane,

Do not make any payments to them until the collection agency validates the debt. Send them a debt validation letter asking them to prove if you really owe the debt and if they have the right to collect it from you. Even if you owe the debt, the collection agency cannot harass you over the phone. They cannot call you at odd hours, they cannot call you at your workplace. Theses are not allowed as per the FDCPA laws. To know more about the FDCPA laws and the limitations they impose on the collection agencies, you can refer to the following page:
http://www.debtconsolidationcare.com/fdcpa.html

I have a collection on my credit report, what is it for?
My SS#

Hi John,

Check your credit report to find out the collection agency which has reported the account to the credit bureaus. The contact information of the CA should be given on your credit report. Contact them and ask what they are trying to collect from you. If you are not sure whether you really owe the debt, send them a debt validation letter. If they cannot validate the debt, they cannot report it to the bureaus. You can then dispute the account with the credit bureaus and have it removed from your report.

Quote:

[QUOTE=Anonymous;198777]heres a little leason from a real collector and soon to be lawyer....first of all pinnicale is the best debt buyer you could be stuck with, secon the MISTERYIOUS mark on you credit is your own fault you dumb shytfuc* heres how it works you defaulted on your lets say CHASE bank card chase tried collecting on it and then send it to THREE collection agencies to collect on it of which non did cause your a SHYTBAG and then pinnicale bought all legel rights to you debt for 1% or less than what u owed and now u owe then now they will send it to 2-3 collection agencies and there gonna ream you till you pay, by law they can call you 100x a day as long as they only make contact once, and everyday on every number you have (which includes you family freinds neibors cousins aunt uncle old roomate literally anyone you've everyone known will get a call, its allllll public record) pinnice however sometimes lets u pay off the debt for less than you owe, cause they you your a poorbox, say u owe 1000 you pay 600 and they (only one i know of) will actually report you paid it all nice guys huh
[color=Red]****Adult term removed - Jason[/color][/QUOTE]

Hey soon to be lawyer your an settlements leave derogatory info. I too used to be a collector dumbass and if the agencies can't collect on it too bad. If the debt is over three years old so be it. You said it it's been bought and sold after chargeoff. people let it sit and technically six years and ten months get it removed.

The point of all this the collection agencies and pricks who own them have to feel apart of the equation. I used to work them and one bank years ago. The workers really don't get compensated the way they should the good ones anyway. the companies play a lot of grab ass. The fact is banks already know how much debt per month/yearly will be apprx charged off in credit cards and lines of credit etc. the bank has already made the money many times over from every swipe then the interest rates. The bank ceo,collection ceo and the few underlings make the bread. They put that woe is me bs out there when really they run the game and put it out there for you too pay a bill which they purposely refused to work out payment arrangements to keep you on edge. there is no sense of urgency either that have it there by clicking the mouse. Often time info is also with held from adjusters but known by the upper management. They often have contact info but purposely mess the info to make the collector send to an old address to buy time so the CEO gets his before it's sold like a hooker to the next bidder.

Quote:

okay one once you tell a debt collector to only contact by mail thats the only way they can contact by law secoundly if you ask for a letter of collection if they do not send it within 5 days it is illegal for them to post it on your credit report with out vaildation. Check the laws in your state and also report their behavior to bbb and the ftc, and your attorney general.[QUOTE=Anonymous;198777]heres a little leason from a real collector and soon to be lawyer....first of all pinnicale is the best debt buyer you could be stuck with, secon the MISTERYIOUS mark on you credit is your own fault you dumb shytfuc* heres how it works you defaulted on your lets say CHASE bank card chase tried collecting on it and then send it to THREE collection agencies to collect on it of which non did cause your a SHYTBAG and then pinnicale bought all legel rights to you debt for 1% or less than what u owed and now u owe then now they will send it to 2-3 collection agencies and there gonna ream you till you pay, by law they can call you 100x a day as long as they only make contact once, and everyday on every number you have (which includes you family freinds neibors cousins aunt uncle old roomate literally anyone you've everyone known will get a call, its allllll public record) pinnice however sometimes lets u pay off the debt for less than you owe, cause they you your a poorbox, say u owe 1000 you pay 600 and they (only one i know of) will actually report you paid it all nice guys huh
[color=Red]****Adult term removed - Jason[/color][/QUOTE]

hey guys for one thing you don't have to go to court to vaildate a debt send a certified later if they dont send you a respond within 30 days report them to the bbb,ftc and your attorney general because it is against the law to put it on your credit with out them vaildating it! Also check the laws in your state regarding your rights. record all phone calls some states say you have to tell them your recording and some say you don't also once you tell them you no longer want to be contacted by phone and to only contact through mail they must stop. it is better to put it in writting through certified mail so you also have a paper trail beside the recordings. most of the time if you don't use certified mail they will ignore your request. as for the collector guy or girl your a a**hole and everyone one on here has a legit claim and they can take these people to court if the get a paper trail on them and get up to $1000 dollars per violation. so catch them if you can they will hang up once you tell them your recording so try tell them in the beginning. or just wait till the end but tell them!

I had a credit card with a $5000 limit and they are now telling me the total amount due is almost $20,000. The card was closed almost 10 years ago. I have looked everywhere to find information on any laws regarding fees that can be charged and can't find anything. It seems highly unethical, but surely is illegal too. I have not received anything on how the fees were calculated. Just a demand for payment.













Quote:

They creeps harrassed me by phone night and day! I wouldn't settle through them even if I won the Lottery! They tried to tell me that The State of Ohio allows them to disregard my request to stop calling me. I had to pull teeth to get their mailing address so that I could put it in writing to STOP CALLING!! They did not want me to write and tell them to stop calling cause then they would only be able to contact me by mail! So everyone write these idiots and tell them to contact you only by mail!

Quote:

[QUOTE=Anonymous;198777] "heres a little leason from a real collector and soon to be lawyer.... "

yea right!. can't write, can't spell, can't organize a thought and you are going to be a lawyer! You probably have the heart for it... but we don't see any brains here.

So I guess this company bought my account from verizon. I hope they really help me out and they are not as rude as everybody says cause I will give them a piece of my mind. So im just a lil concerned because I had this on my credit for 2yrs and I dont want to pay it and its still going to affect me in 2yrs when I try and buy a new car? Can anyone just give me the heads up on how that goes? thanks.

So Pinnacle Credit Services is a very hard company to locate in terms of getting the correct number. Pinnacle is obviously a resource to the law firm that you have to go through. In my case it was Siler & Associates. I had no problem with any of the contacts. They were courteous and handled my called expeditiously. I am now awaiting a formal letter from the Siler & Assoc regarding my debt and hopefully will be able to pay it and have it all cleared. The number I contacted was 952-939-8100. The 800 numbers are void.

Well, That answers everything. If all of the bill collectors are as illiterate as this one, that explains why they just can't seem to get things straight. Here is my issue: In 2004, Capital One gave someone in Hannibal, New York, a credit card in my name. That person charged $500 on it. At that point, I had not lived in New York for over 4 years. For that matter, I was deployed to a remote area Iraq the entire time the credit card was active. I spoke with Capital One about it when i found it on my credit report. Soon after that, it dissappeared off my credit report for a few months, now it has come back from the dead and Pinnacle is harrassing me about it. No, SHYTBAG, it is not mine. Take some of the money you are getting paid and get an education.

As you can tell this guy needs to go back in the hole that he came from and learn how to read and write. He needs to get at least a G.E.D. 1st before becoming a lawyer.:p:p:p

763-295-0113

Thank you everyone for the posts. I just checked my credit report and noticed them on my report. I have no idea what the original company was. I have never received phone calls or letters in regard to this debt. Glad I am not the only one. Thanks for the numbers.

This company is fake, well they use the name of a real firm but they are criminals. I got a bunch of calls threatening to sue, I got a letter about a debt that is not mine(faek I assume), all from the same criminals. They get lists of people in collection, they forge a debt similiar to something you really owe, they set the trap and hope to snare poor scare people. Class Action law suite would be nice but since the phone numbers are just redirects to an out of the country criminal org there is nothing to be done.

Thank you all for sharing your experience in the forums! I have learnt a lot from all of these as I'm even dealing with the same company.

i guess they are collection agents..
some banks hire their services to go and chase people for payments.

You can go to www.donotcall.gov add all you phone numbers and if they contact you again you can fill out a complaint through the do not call list and they will take legal action against them! :) I love the do not call list.

This company has been doing this for years. Until one of you take action to stop them, they will continue to scam the system. They buy old, old debt for less than .01 cents on the dollar, add countless amounts of interest to inflate the balance, and then send the accounts out to collection agencies to collect on their behalf in an attempt to shelter themselves from the legal ramifications. The CEO has made millions on people like you who are intimidated by the unenforcable threats of lawsuits. They have a lawyer, Seiler & Associates who shares office space with them at their same address, 7900 Hwy 7, St. Louis PK, MN. Someone who has been contacted by them needs to hire an attorney to file a class action lawsuit and contact the Federal Trade Commission and the Minnesota Attorney General, Lori Swanson, and the Minnesota Dept. of Commerce to stop this from continuing !

DO NOT CALL lists do not apply to collection agencies.

Is a debt collection agency with collectors on hand but the majority of their accounts are sent to 3rd parties and the agreements are why they transfer you to the other company

He was rude!!!!!!!!!!!!!!