|
1690051
|
2015-12-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2055862
|
2016-08-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-10-14
|
| Complaint What Happened |
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( XXXX ) XXXX and ( XXXX ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX collection bureau. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1735954
|
2016-01-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-01-11
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2274945
|
2017-01-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-01-04
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-05
|
| Consumer Consent Provided |
N/A
|
|
|
1954853
|
2016-06-05
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Credit card
|
| Date Received |
2016-06-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-05
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2144661
|
2016-10-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
I do not know
|
| Date Received |
2016-10-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-10-04
|
| Complaint What Happened |
This company never sent me a bill after they bought my debt. Then they reported on my credit report twice under XXXX different account numbers but the original creditor is the same ( XXXX ), the amount is the same XXXX and the original date is XXXX/XXXX/XXXX on both but Pinnacle added the XXXX one on XXXX XXXX, XXXX with duplicate info but different account number but still never notified me that they had my debt to collect. I just happen to see it on my credit report duplicated
|
| Consumer Consent Provided |
Consent provided
|
|
|
1273199
|
2015-03-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Credit card
|
| Date Received |
2015-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-09
|
| Consumer Consent Provided |
N/A
|
|
|
2114176
|
2016-09-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-09-15
|
| Complaint What Happened |
On XX/XX/XXXX after putting my complaint referring to this account, which in different occasion, expressed that did not belong to me, Pinnacle Credit Service LLC sent me a correspondence signed by an executive named XXXX XXXX ( complience division ) Which determinated that after an internal investigation, had decided to removed it from their systems whithout basis or livelihoods to keep it in my reports, according to clearly stated the letter, he asked the XXXX major bureaus remove the same, today XX/XX/XXXX, checking my information at XXXX I find the account again in question, which appears paid off completely, never made any payment since they do not recognize this debt as mine, I made the correct procedures under my rights validation according to the FDCPA 15 USC 1692 Sec 809, whithout ever receiving a response from the company, is illegal under FCRA force report unverifiable and inaccurate consumer data, if determinated to give it as paid, it was an action itself Pinnacle Credit Service LLC as I said not paid off this I note that is not mine, remove this information inmediately from my credit reports, first case with CFPB XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2027122
|
2016-07-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated shouldn't respond to lawsuit
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-07-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-24
|
| Complaint What Happened |
I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1973313
|
2016-06-17
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2016-06-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-17
|
| Complaint What Happened |
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1969201
|
2016-06-15
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt resulted from identity theft
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-06-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1609997
|
2015-10-16
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1174272
|
2014-12-29
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-29
|
| Consumer Consent Provided |
N/A
|
|
|
1245621
|
2015-02-18
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-18
|
| Consumer Consent Provided |
N/A
|
|
|
954664
|
2014-07-25
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-07-25
|
| Consumer Consent Provided |
N/A
|
|
|
1162265
|
2014-12-18
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card
|
| Date Received |
2014-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-18
|
| Consumer Consent Provided |
N/A
|
|
|
1609996
|
2015-10-16
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-20
|
| Complaint What Happened |
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1609994
|
2015-10-16
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-21
|
| Complaint What Happened |
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
895464
|
2014-06-14
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2014-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-06-17
|
| Consumer Consent Provided |
N/A
|
|
|
887880
|
2014-06-10
|
Taking/threatening an illegal action
|
Debt collection
|
|
| Issue |
Taking/threatening an illegal action
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to sue on too old debt
|
| Sub Product |
Credit card
|
| Date Received |
2014-06-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-06-10
|
| Consumer Consent Provided |
N/A
|
|
|
944990
|
2014-07-19
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-21
|
| Consumer Consent Provided |
N/A
|
|
|
1075628
|
2014-10-17
|
Incorrect information on credit report
|
Credit reporting
|
|
| Issue |
Incorrect information on credit report
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Credit reporting
|
| Sub Issue |
Account terms
|
| Date Received |
2014-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-10-23
|
| Consumer Consent Provided |
N/A
|
|
|
1570896
|
2015-09-18
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-09-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1187054
|
2015-01-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-08
|
| Consumer Consent Provided |
N/A
|
|
|
1460487
|
2015-07-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-07-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1646280
|
2015-11-09
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-11-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1827620
|
2016-03-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In XXXX XXXX, I paid this debt in full in the amount of {$940.00} to the original creditor XXXX XXXX. As a result, the debt was also removed from my credit file and XXXX XXXX presented a XXXX dollar balance. On XXXX XXXX, XXXX, I received communication from XXXX attempting to solicit monies in the amount of {$1000.00}, which is even more than the original paid debt. The collection letter states they are working on behalf of a company called Pinnacle credit services not the actual original creditor XXXX. The letter states Pinnacle owns the alleged debt. I 've never received communication from either company prior to this date. This appears to be a recycling of previous debts and fraudulent activity as I do not owe the alleged debt to XXXX XXXX or Pinnacle. After receipt of the letter, I contacted XXXX XXXX who was able to confirm that I do not owe any money. I want this company to cease from any further communications or collection attempts on a debt I do not owe to them. Please stop selling my information to obtain financial gain.
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| Consumer Consent Provided |
Consent provided
|
|
|
1464305
|
2015-07-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-07-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-17
|
| Complaint What Happened |
Not familiar whit this account
|
| Consumer Consent Provided |
Consent provided
|
|
|
1860866
|
2016-04-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was discharged in bankruptcy
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-04-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I filed BK and this collection agency did not show up to the creditor meeting to contest the collection. They have just reported this open again in XXXX. They should not be reporting any status since this was included in the BK filing.They listed remarks as the BK but that they are disputing the claim.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1758010
|
2016-01-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-01-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-29
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1861094
|
2016-04-01
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Pinnacle Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| Consumer Consent Provided |
Consent provided
|
|
