Pinnacle Credit Services Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Pinnacle Credit Services is a debt collection agency. It usually is hired by companies to collect delinquent debt. Pinnacle can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Pinnacle Credit Services is harassing you or disregarding your rights, contact BCJ Law’s debt harassment attorney for help. Please complete our contact form or call 1-800-997-5561 for a free case review.

Why does Pinnacle Credit Services keep calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

Pinnacle Credit Services is a debt collection agency/debt buyer based in Minnesota. As a debt buyer, it purchases old consumer debt, generally from banks or other debt buyers, for pennies on the dollar.

If Pinnacle Credit Services is calling you, or if it’s sending you letters, that means it’s trying to collect a debt from you. Pinnacle also may appear on your credit report if it is engaged in the collection process. Pinnacle is a subsidiary of a much larger debt collection agency called Resurgent Capital Services.

Do people complain about Pinnacle Credit Services harassment?

Consumers have complain about Pinnacle Credit Service’s debt collection practices in past years. For example, complaint databases maintained by the CFPB and the BBB show the following:

  • Consumer Financial Protection Bureau (CFPB) Database: shows over one thousand complaints against Pinnacle.
  • Better Business Bureau (BBB) Website: shows almost one hundred complaints against Pinnacle.

If you have complaints about Pinnacle’s debt collection practices, visit our debt collection harassment page to learn how BCJ Law can help. Call us at 1-800-997-5561 or complete our contact form.

Does Pinnacle Credit Services sue?

Close to a third of consumers contacted about debt said debt collectors tried to "collect at least one debt the consumer believed he or she did not owe."

CFPB Survey (2017).

When consumers learn that Pinnacle Credit Services is a debt collection agency/debt buyer, they often ask if they’ll get sued. The answer is maybe, although Pinnacle Credit Services may not file a lawsuit in its own name.

Whether you’ll get sued for a debt Pinnacle is trying to collect depends on the type of debt at issue. If Pinnacle is collecting on behalf of a debt buyer (which is a company that buys old debt for cheap), it’s possible you will get sued. And, if Pinnacle is collecting a consumer debt, like a credit card or personal loan, a lawsuit may occur. If you get sued, visit our debt defense page to learn how our debt defense attorney beats debt collection lawsuits.

How do I get Pinnacle to stop calling me?

A law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell Pinnacle Credit Services to stop calling you. The FDCPA also gives you the right to tell Pinnacle when it can call you, or how it can contact you. For general tips on dealing with debt collectors and debt collection calls, read our posts on how to deal with debt collectors and how to deal with debt collection robocalls.

Does Pinnacle have to validate debt?

The FDCPA requires Pinnacle Credit Services to disclose your right to request debt verification (often called validation) within 5 days of first contact. Pinnacle also must disclose that verification request must be written and that debts are assumed valid if a verification letter is not received within 30 days. If you request debt verification, Pinnacle must verify your debt or stop collection activity. For general tips on understanding debt collection letters and debt verification, read our post on understanding debt collection letters.

Can I sue Pinnacle Credit Services?

You can sue debt collectors when they engage in unlawful debt collection practices. Here are common practices that may violate the law:

I. Improper debt collection calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Hollow debt collection threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Other improper debt collection practices.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

What laws apply to Pinnacle Credit Services?

There are many federal and Pennsylvania laws that give you legal rights when interacting with Pinnacle Credit Services. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits harassing, deceptive, and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): A state law that prohibits many of the same practices made unlawful by the FDCPA.
  • Telephone Consumer Protection Act (TCPA): A federal law that prohibits certain calls to cellphones without consent. The TCPA provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): A state law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): A federal law that prohibits reporting inaccurate information to credit reporting agencies. The FCRA also limits how your credit report is used.

If you think Pinnacle Credit Services broke the law, learn how BCJ Law can help by visiting our debt collection harassment page. Complete our contact form or call us at 1-800-997-5561.

Can I remove Pinnacle Credit Services from my credit report?

The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate or out-dated information on your credit report. Disputed information must be investigated and errors must be corrected or removed. It’s important to understand that the FCRA does not allow you to remove accurate information. Visit our fixcreditreport.com website to learn about your rights under the FCRA, including how to dispute inaccuracies and remove old information.

Pinnacle Credit Services Harassing You? Hire BCJ Law to Help.

If you’re harassed by Pinnacle Credit Services, please contact BCJ Law for help. Call 1-800-997-5561 or complete our contact form for a free case review from our debt harassment attorney.

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