| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX : Being XXXX XXXX, I had to exercise one of my SCRA benefits, and terminate my cellular service contract early, due to XXXX to a location where my current service was not yet provided, as well as getting ready to deploy on a XXXX, where you don't get cellular service, for 100+ days. I called XXXX, and explained the situation to the agent. The agent okayed my early contract termination, waived the termination fee, and provided me with my final amount due. I paid the final amount, and the agent verified I didn't owe anything further, and closed my account.
XXXX : I get a letter in the mail from Pinnacle Credit, letting me know they were attempting to collect a debt for XXXX, stating I owed them {$380.00}. Confused, I called XXXX and asked them why I owed them. The agent couldn't tell me because my " account was sold ''. I asked why XXXX never contacted me to let me know. They claim they did, but I was deployed, so I wouldn't know. My wife saved all mail, unopened, addressed to me, with the exception of any utility/service bills that we shared that had to be opened to be paid, and none were from XXXX, but one was from Pinnacle Credit. She never recalled seeing anything from XXXX. I then called Pinnacle Credit and inquired about this supposed debt. All they would tell me was that it was regarding my XXXX Account, and that I owed {$380.00}, and needed to pay. I then informed Pinnacle that the debt was not valid, as I am XXXX XXXX, and had exercised my benefits under the SCRA, and I would be sending them a Debt Validation/Verification/Cease and Desist ( unless to validate/verify the debt, via letter ). I sent the letter via certified mail, and waited, and waited for verification/validation of that debt.
Free yearly credit report time rolls around, and I hop on to each of the credit bureaus, and to my didmay, for the first time ever, there are negative remarks/reports. From Pinnacle Credit. I open up a dispute with each bureau, stating that it had been over SIX months since I had sent a validation/verification letter, via certified mail, to Pinnacle Credit, and I had yet to receive a response. I also mentioned that the original debt was not owed, as I was afforded benefits under the SCRA, which I exercised, and that the original creditor ( XXXX ) assured me that I was fully paid up when they closed my account. When I received replies from each credit bureau, they were all in agreement with me, and the negative remarks/reports were removed from each of my credit reports.
XX/XX/XXXX : I receive a piece of mail from XXXX XXXX XXXX XXXX XXXX. OH. MY. XXXX! This company is attempting to collect a debt of {$380.00} for my " current creditor '', Pinnacle Credit, who is trying to collect a debt for my " original creditor '', XXXX. I send a Debt Validation/Verification/Cease and Desist ( unless to validate/verify debt via LETTER ), notice of past Statute of Limitations, and also bring up the fact that I was XXXX XXXX at the time, and still am XXXX XXXX, and was, and am, exercising my SCRA benefits.
XX/XX/XXXX : ARE YOU XXXX KIDDING ME?!! I receive a letter, this time from XXXX XXXX, XXXX, stating that I have a debt of {$380.00}, owed to my " current creditor '', Pinnacle Credit. This letter also states that " Pinnacle Credit can not sue you or report on your credit fot this debt. '' They go on to say that I have to notify them within 30 days that I dispute the validity of the debt, or they will assume it's valid.
HOLD UP! So, I send Pinnacle the first debt validation letter, so THEY KNOW I am seeking validity/verification of the debt, but even after TEN YEARS, they have YET to send me any such letter. Even so, they SELL this debt to one company ( XXXX XXXX XXXX ) ; I send another validation/verification letter to THAT company, and then Pinnacle SELLS THE DEBT AGAIN, this time to XXXX XXXX XXXX? What the XXXX?
So, I have yet ANOTHER validation/verification letter I have to send, via certified mail, AT MY COST. It will be sent today, Monday, XXXX, XXXX, XXXX.
If it's NOT illegal to sell debtspast the SOL, it SHOULD be.
If it's NOT illegal for a company to just keep reselling debt past the SOL, instead of sending validation/verification, when a LETTER REQUESTING IT HAS BEEN SENT, it SHOULD be.
If it's NOT illegal to keep pursuing a debt past the SOL, even though you KNOW the debt is being disputed because it was acquired in a manner that violates any law or act, including the SCRA, it SHOULD be.
Not only do I feel harrassed by Pinnacle Credit, I hold a XXXX XXXX, and even though I can easily explain this DEBT I DO NOT OWE, it still looks unprofessional.
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had a past due bill in collection to XXXX. I called XXXX directly to arrange to pay off old debt that they claimed I owed them as on my credit report it stated I was in collections with a company called Pinnacle Credit Services for a past due debt I had with XXXX. My credit report shows that I opened an account as of XX/XX/XXXX. I have verifiable proof that I was not with XXXX XXXX nor did I open any type of account with Pinnacle Credit Services. I cancelled my service with XXXX XXXX in XX/XX/XXXX. XXXX then transferred me to a company called XXXX to settle or pay off said debt, which are not the people that were listed on my credit report. I needed this off my report as I am trying to buy a house and this is knocking my credit down quite a bit for being in current collections. I was very weary speaking to XXXX because they were not on my report but Pinnancle was on there. After speaking with XXXX for some time to verify this company is in fact who I should pay I decided to put XXXX on speaker and proceeded to contact Pinnacle Credit so that not only I could hear their side so could they. After finally getting to talk with a person at Pinnacle they transferred me right over to a company called XXXX XXXX and said XXXX XXXX did all for the collections for XXXX. The representative from Pinnacle had absolutely no information to provide to me. Once transferred over to XXXX ( who once again is not on my credit report ) I proceeded to advise the representative at Pinnacle that I had XXXX on speaker so that we could all hear the same situation. The representative from XXXX had me ask the representative how much I owed XXXX XXXX I had the original XXXX bill in front of me, as well as a bill from XXXX, and my credit report all in hand ) as well as what the account number this was in reference. The representative gave a number that was actually less than my original XXXX XXXX bill as well as having a completely different account number. I then proceeded to put them XXXX on speaker and told them I was calling XXXX XXXX directly to find out who actually owned my past due money to XXXX. XXXX XXXX once again tried to pass me off to a representative from XXXX and I stopped them and asked which company had my XXXX collection. She then stated XXXX is who was to collect not Pinnacle Credit Services and certainly not XXXX XXXX. That was literally the only information I could get from XXXX at all. They would not speak to me otherwise and I had to practically beg to get XXXX XXXX to tell me that. I proceeded to make the payment, begrudgingly, to XXXX to clear this up, however I am still dealing with Pinnacle Credit Services stating I owe them money with an account number I have never had and them stating I opened an account in XXXX which I never did. Pinnacle is refusing to talk to me and transferred me over to another company called XXXX XXXX and they are trying to collect on a debt they do not own either nor do I owe and never had. I was not sure where I could go to make this company stop whatever activity they are doing. I do not feel that I could possibly be the only person this could be happening to and it needs to stop. I have since reported this activity to Consumer Affairs but will still have to wait for XXXX working days for it to be resolved/removed from all XXXX Credit Bureaus so that will inhibit my ability to buy a house at a credit rating that I deserve. The phone number to Pinnacle Credit Services is XXXX. XXXX XXXX is XXXX and XXXX is XXXX. I am not sure if all XXXX collections companies should be reported along with XXXX XXXX for refusing to give me any real information or if it should simply be Pinnacle Credit. I am in great hopes for any help
|
| 08/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I somehow gained a debt with XXXX XXXX of which the XXXX date of delinquency was registered on XXXX. I was under the impression that the account in question was closed, but according to XXXX it was not.
A past due amount of {$250.00} accumulated ... a debt I was never notified about.
Since I was never notified about this debt, XXXX sold the debt to " Pinnacle Credit Services LLC '' on XXXX/XXXX/XXXX.
Again, I received no notification of owing a debt to either XXXX XXXX or Pinnacle.
I found out that this debt existed last month and since I felt that I didnt owe XXXX a dime ( I know I closed the account ), and that XXXX refused to give me any information concerning this debt, I filed fraud charges and a dispute with XXXX, through XXXX, on XXXX XXXX, XXXX.
Then I decided to talk to the people at Pinnacle to see what could be done on their end.
They gave me the impression that the best thing to do was to pay the bill. They went so far as to even cut the debt from {$250.00} to {$170.00}. I inquired as to whether or not the collection would be deleted from my record if i were to pay the {$170.00} because if not, I was going to continue to challenge the validity of the account. I was given the impression that it would be deleted upon payment. With this being understood on my part, I agreed to pay the debt on XXXX/XXXX/XXXX and left a XXXX dollar deposit with their company.
Pinnacle charged my account for {$170.00} on XXXX/XXXX/XXXX and the charge was finalized on XXXX/XXXX/XXXX.
I realize that it takes time for these things to drop from your credit report, but I wanted to call Pinnacle to verify that it was indeed being taken care of like they said it would be.
I called Pinnacle to ask about the status of my account following the above charge. When I called and asked about the deletion, they acted like they didnt know what I was talking about and claimed that they didnt delete collections. This was contrary to what I was led to believe by the operator who initially settled the account. After talking to a manager, which amounted to just wasted time, I hung up. There wasnt much that I could do.
Shortly thereafter I first received a bill for someone elses account, addressed to my address, for the sum of {$300.00} dated XXXX/XXXX/XXXX. Then I received a postdated debit card notifaction dated XXXX/XXXX/XXXX for {$170.00}. The payment was dated as XXXX/XXXX/XXXX. I figured this, along with being sent someone elses bill ( demanding that I pay it ) was just another example of Pinnacle not knowing what it is that theyre doing and proceeded to wait for my dispute results with XXXX
I received the dispute results from XXXX on XXXX Not only did Pinnacle fail to delete the collection, they also refused to even acknowledge that the account was even paid in full. Upon reading this, I made copies of all letters, bills, and debits concerning this account and sent them to XXXX for an investigation.
I also ran a credit check with all XXXX Credit Bureaus and found that on XXXX/XXXX/XXXX they were still reporting the collection as unpaid.
I really would like this collection removed from my credit report like I was led to believe would happen.
I am willing to furnish all written paperwork, notarized statements, and credit reports to prove my claims if needed.
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Pinnacle Credit Services is a collection agency that has multiple dba's/aka 's in multiple states. This collection agency has removed and reinserted the same account into my credit file multiple times for a debt that is well beyond the statute of limitations for the state of Georgia. They have dishonest tactics such as changing the last activity date in an attempt to re-age the time allowed for the negative information to remain in my credit file. They have changed the amount owed and reinserted the account into my credit file under one of their many dba 's after the account had already been removed from my credit file as shown in the attached files. This company is so bold and egregious in their tactics, they have listed one of their dba 's as the original creditor in my XXXX credit file and report ( as shown in the attached files ). You will notice that I have attached my XXXX and XXXX credit reports that were pulled on XX/XX/XXXX as well as XX/XX/XXXX to provide a visual example of the unfair and deceptive tactics used by this organization. The name of the collection agency, Original Creditor, Balance and account numbers all changed from what they were in XX/XX/XXXX to what they are now in XX/XX/XXXX. [ Equifax Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services LLC| |Original Creditor : XXXX XXXX |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now : - ( blank ) | |Original Creditor is now : Pinnacle Credit Serv ( Yes ... They are now listed as the Original Creditor!! ) | |Balance/High Balance is now : $ XXXX| |Account number is now : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- [ XXXX Report XX/XX/XXXX ] |Collection Agency name : Pinnacle Credit Services| |Original Creditor : XXXX XXXX XXXX| |Balance/High Balance : $ XXXX| |Account number : XXXX [ XXXX Report XX/XX/XXXX ] |Collection Agency name is now - Pinnacle Llc| |Original Creditor is : XXXX XXXX XXXX| |Balance/High Balance is now $ XXXX| |Account number is now : XXXX Not only is this alleged debt well beyond the statute of limitations for collections and beyond the statute of limitations for it to be reported in my credit file. The unfair and deceptive tactics used by this collection agency are in direct violation of the law, according to the Fair Debt Collection Practices Act ( FDCPA ). The many names, dba 's and aka 's under which this company operates are listed below : XXXX XXXX XXXX XXXX dba/aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX, SC XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX XXXX aka/dba/XXXX XXXX XXXX XXXX aka/dba/ XXXX XXXX XXXX XXXX aka/dba/Pinnacle CS/Pinnacle Credit Serv/Pinnacle Llc 1XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
|
| 02/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Services , LLC sent a letter out with a XXXX IRS form notifying me of my " cancellation of debt '', and that it is being reported to the IRS as income, which I now have to pay taxes on. Problem is, I never owed them or the original creditor they claim they " bought '' the debt from, anything! This was the first time I was even made aware that this shady company even had a " collection '' against me!
Even the original creditor, XXXX XXXX, confirmed that I have never had an account with them, therefore I could n't possibly owe them anything, or the collection agency they use ( which is Pinnacle Credit Services ) and said " something is very wrong, but they ca n't do anything to help, since I do n't, or never had any account with them that they could even go off of to see how Pinnacle Credit Services even got my name and/or SSN!
So now, I have to file forms with the IRS for Tax Fraud against this company to prevent them from claiming they forgave a debt which is taxable.
They refused to have any conversations on the phone, and after several hours of calling them and being put on hold every time until they decided to just hang up the line, my only recourse at the moment is to file complaints. I 'm now in the process of filing with the Mn. attorney generals office, the XXXX attorney generals office, as well as filing Identity theft charges against this " company '', as well as trying to get them to delete their fraudulent reports on my credit.
They at no time have ever contacted me about this " debt '' and will give me no information as to original account information from the original " creditor '', no date at which they " bought '' the debt, and no information as to how they have my personal information when the " creditor '' they listed as being the people they " bought '' the debt from has no idea or account information regarding this so called " debt '' in any of their records!
This company is a fraud, and is committing a crime, and I 'm not the only one they have done this to, and are doing it to as this is read.
I was advised by the XXXX. state Attorney generals office that they would start an investigation into this company for identity theft on a broad scale if more people having these issues would contact them and file a report and make them aware of what 's going on ( not like they do n't already known, a simple search of the internet will yield numerous complaints of this very thing! ) but seeing this company ( Pinnacle Credit Services ) is a " LLC ( limited liability company ) operated by several small shady law firms, I 'm sure someone up the political tree is getting their palms greased and they will go unpunished.
|
| 07/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I summit a complaint against Pinnacle Credit Services, LLC/ XXXX XXXX XXXX and they responded on XX/XX/XXXX , I still waiting for their account to be deleted from all XXXX major credit bureaus, it has been more than 30-45 days and now I request to be deleted immediately.
Here is the letter that they sent.
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX , XXXX XXXX , D.C. XXXX RE : XXXX XXXX XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX Current Owner : Pinnacle Credit Services , LLC Reference Number : XXXX Dear Sirs/Madams, This letter is in response to the Consumer Financial Protection Bureau ( CFPB ) inquiry received XX/XX/XXXX rega rding the above-referenced account. Pinnacle Credit Services , LLC ( Pinnacle ) currently owns the account having acquired it on XX/XX/XXXX . XXXX XXXX XXXX XXXX XXXX
( XXXX ) is the servicer of this Pinnacle account and began servicing it on or about XX/XX/XXXX .
Please note that XXXX takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns.
This account originated on XX/XX/XXXX with XXXX XXXX . The last payment was received on XX/XX/XXXX . The account charged off on XX/XX/XXXX with a balance of {$1200.00}. The current account balance is {$1200.00}.
All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies ( also known as credit bureaus ) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the XXXX major consumer reporting agencies on behalf of Pinnacle. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle trade line will be submitted to the XXXX major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale.
XXXX received the multiple electronic disputes that XXXX XXXX submitted through one or more consumer reporting agencies. XXXX has responded in a timely manner and provided the agency with information relevant to his dispute.
|
| 10/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with XXXX XXXX. This in itsels is a complete fabrication. I have attached both correspondences from XXXX and XXXX XXXX, XXXX. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated.
The Federal Trade Commission made the following determination on the proper debt collection process through a lawsuit they filed in XX/XX/XXXX, resolved in XX/XX/XXXX known as FTC v. XXXX XXXX XXXX XXXX. There must be three criteria on the valid collection of a debt.
# 1 The debt must be proved owed to the initial entity.
# 2 There must be a valid assignment or sale of debt to a third party, backed up by true copy originality. This is without exception, thus stating that all debt pool findings of debt by licensed collection agencies as immediately invalid. Also, the licensing of every collection agency must be on all letterhead, a fact missed by Pinnacle Credit Services , LLC.
# 3 The debt collection process can not exist if outside the legal collection parameters of the domiciled jurisdiction of the debtor. If Pinnacle states that they purchased the XXXX debt in XX/XX/XXXX, where is the signed proof. Simply stated, there is no proof as the debtor 's information was received through a highly questional if not unethical debt pooling system that will most likely be shut down by the Federal Trade Commission in fiscal year XXXX. The FTC is now holding national meetings on how to fix the deplorable debt collection business.
The Crosstown Law letter s a joke, whereas the legal entity of Pinnacle Credit Services LLC are very subtly stating that in essence they have no existence of legal transfer of a XXXX debt. In addition, if they did the debt would have exceeded the legal collection timeline in the New Jersey jurisdiction in any event. I demand that I receive a noticve that the collection process has been cancelled, and that my file is being purged, in addition to the collection being removed on all pertinent credit reporting agencies.
The debt collection system is broken, a press release by the Federal Trade Commission in XX/XX/XXXX. Pinnacle Credit Services LLC is at the bottom of the pool in the method they use with American consumers. It 's time we expose their legal entities that carry on with the same collection practices.
|
| 08/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.
|
| 05/01/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.
|
| 04/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
Pinnacle Financial Services purchased zombie debt for an old collections account and reported it on my credit report with an incorrect date so it looks newer than what it is. I sent a letter stating : XXXX XXXX, XXXXPinnacle Credit ServicesXXXX XXXX, MN XXXXXXXXRe : Alleged XXXX XXXX accountTo Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$980.00} debt. According to the information I have, the date of last activity by the original creditor was XX/XX/XXXX. The State of Limitations on this alleged debt, even should it be ours, is XXXX years in the state of Indiana. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
They are constantly contacting me after this letter, signed and certified that they received it. Also, I requested an investigation and it still was not removed from my credit reports.
|
| 04/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Pinnacle Credit Services had placed a collection in XXXX of my credit reports. I became aware of this following my receipt of a copy of my annual credit report, in XXXX XXXX I had not received any prior notification of this alleged debt from Pinnacle Credit Services. I contacted Pinnacle via mail, requesting verification of the alleged debt including all information concerning this alleged debt. Pinnacle chose to ignore or refused to respond the written request. I followed this with a complaint to the XXXX. Pinnacle responded to this complaint with the same standard reply that they have issued to every complaint filed with the XXXX. The reply by this company states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VIA Electronic Mail Re : Complaint Case No. XXXX Dear XXXX, Pinnacle Credit Services , LLC ( " Pinnacle '' ) has received the above-referenced complaint. Pinnacle is unable to verify any of the information provided by the complainant. Due to the nature of Pinnacle 's business, we encourage the complainant to contact us directly at our toll free phone number ************, where we may address these concerns securely and in compliance with state and federal law. Sincerely, Pinnacle Credit Services , LLC '' I did place a call to the number provided in the response. The company refused to discuss the account over the phone. However, the company did remove their trade line from my credit report. On XXXX XXXX, of this year, I received a XXXX from this company. I immediately placed a call to the phone number provided on the XXXX, and left a message on the voice mail for this company, basically demanding an explanation. The following day, I received a phone call from XXXX, pertaining to the message I had left on the voice mail of Pinnacle Credit Services. The individual who called told me that he could not disclose any information. That he knew of no option for me obtaining the information I had requested. He had no explanation as to why I had not received any information prior to my receiving the XXXX. This call by " XXXX XXXX, XXXX. was nothing more than a scare tactic. Pinnacle Credit Services did not follow any state or federal law. And certainly did not follow the laws, pertaining to the Fair Debt Collection Practices Act or the Fair Debt Reporting Act. A certified letter was sent to both companies following the phone conversation on XXXX XXXX, XXXX. XXXX companies have continued to ignore or refuse to acknowledge any and all request or demands. Though XXXX letters have been received by the XXXX companies.
|
| 05/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I received a credit alert a new account was added to my credit file. Upon inspection, I found this 'new account ' was a collections account from Pinnacle listed as a XXXX XXXX debt. I had never received any communication regarding this alleged obligation.
At that time, I sent a letter to Pinnacle, Certified Mail Return Receipt requesting validation of this debt. Despite Pinnacle receiving this demand, I received no response, not even a dunning letter.
Having waited the required length of time for a response and for validation of the debt, and receiving none, I submitted disputes with the XXXX major credit reporting agencies on XX/XX/XXXX explaining I was unaware of such an obligation to Pinnacle and that Pinnacle had failed to respond to my request for validation as required. Per the resolution letter I received from the credit reporting agencies regarding my dispute, Pinnacle verified to them that the account belonged to me and by keeping it on my credit report, that they were legally entitled to collect said debt AND that is was a valid debt of mine, all information they seemed unable or unwilling to provide me.
At no time before or after the validation request and the verification with the credit reporting agencies, and continuing to today, I have never received any communication from Pinnacle regarding this alleged debt. They have current contact information for me as they review my credit files, update their collection account monthly or more, AND I have always included current mailing address information in my communication.
I again reached out to them on XX/XX/XXXX via Certified Mail Return Receipt requested and again received no communication despite their receiving my communication.
On XX/XX/XXXX I emailed their COO, XXXX regarding this matter. He responded that they were unable to locate my account information and could I provide more information? I responded with all my personal information, and all account information in my credit files so they could locate the account and we could resolve this. I never heard another word despite my sending repeated emails.
I have requested to have documentation provided that this debt exists, that I owe it, and that they are legally entitled to collect it. They have failed to provide requested documentation, yet they continue to report the account to the credit reporting agencies inaccurately each month which constitutes a continued efforts to collect this debt. Pinnacle is in violation of the FCRA and the FDCPA.
|
| 07/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX.
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior.
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on.
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act.
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE.
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Pinnacle Credit Services/XXXX ( Collector ) did not sent notice of right to disclose.
Collector continues to report false information related to this account to Credit Bureau Agencies ( CAs ).
Collector claims account opened date opened XXXX/XXXX/XXXX.
Collector claims a debt of {$1200.00} on behalf of XXXX XXXX.
Alleged debt has been disputed several times through FTC on XXXX/XXXX/XXXX. Case # XXXX filed reporting XXXX XXXX.
Also with the Arizona XXXX, the XXXX CBAs, and directly with Pinnacle Credit ServicesXXXX.
Collector 's response to all claims is that the debt is owed in a single statement, without providing any supporting documentation ( because none exists that will help their case ) on this alledged debt.
I had an over a decade healthy relationship with XXXX XXXX since XXXX 's. On or about XXXX XXXX I had made contact with XXXX to cancel service at the end of the contract period, which I was told ok. Late XXXX disputed that cancelation was not made timely, when I asked for proof of the contract with signature nothing was provided and was automatically billed {$1200.00} for the untimely cancellation fee of XXXX Blackberries. It was all based on their own assumption.
XXXX has sold this account to numerous collectors, which I have immediately disputed the validity of the debt. However, Pinnacle/XXXX has been a different story. They purposely did not send the Notice of Right to Dispute knowing my history and they immeidatly reported to the CBAs. Since then it has been nothing but a struggle to have an enforcement agency request this " Collector '' for proof of the information that they are claiming on my credit files.
Reaging an account is NOT legal. I have also made several attempts in trying to discuss matter with a representative of PinnacleXXXX, but I you get is their representative asking you to verify your current address, phone number, etc, and then you get transfer to a voicemail and never get a call back. A tactic for them to just record that you had been notified ( over the phone ) from their recorded message that it is an attempt to collect. This is a criminal way of doing business - but as a collector, they just want to at least assure they hurt the consumer knowing that their claim has no merit.
|
| 10/06/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Original Creditor NameXXXX XXXX To Whom It May Concern : This is my 3rd and final attempt to try to remedy this incorrect reporting on my credit report. I have reached out to your company and you have failed to respond back in a timely manner. also, you failed to provide an account number on this account.
This letter is regarding account # XXXX XXXX, which you claim i owe you.
This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The original collection agency Pinnacle Credit Services , LLC has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( XXXX ) has yet to send me competent evidence to prove I owe this debt to them.
I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report.
On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, Pinnacle. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to XXXX. After over 35 days and no response from either Pinnacle or XXXX, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to Pinnacle ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt.
I, in turn, sent a second debt validation letter to XXXX on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them.
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause.
I am at my wits end and do n't know what else to do at this point.
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have disputed this Debt XXXX times already. I have contacted the company. This collection agency has NEVER contacted me about this debt, they just slapped it on my credit report. The XXXX times I called them I was told they could not give me any information on this debt, had no bill and could not show me what they claim I owe this debt for. They could not provide me with that. This is a cell phone bill. It was with a different collection agency before and I went through this same thing with them. I have not had XXXX XXXX ( original debtor ) since 2009. I canceled the month-to-month service I had with them. ( I was no longer under contract, it had expired already ). My monthly bill was {$150.00} for cellular service and wireless internet, together. I canceled this XX/XX/2009. I was told when I canceled they would pro-rate that bill. I did not hear from XXXX or receive a final bill from them. Then here it is 8 years later and I am now having to dispute this because XXXX is stating I owe {$700.00}? for what? They canceled my service when I asked them to so its not for service. My phone was already paid for, I bought it outright before going to XXXX. So why cant they tell me what this bill is for? I did speak to a previous collection agency several years ago and I told them this very thing I am telling you and that I owed for the pro-rated XX/XX/XXXX but nothing more. I even offered to pay for the full month at {$150.00} and they refused to accept the payment. I know what I owed and I was willing to pay for the entire month but since they refused the money, I do not owe this debt. Please remove this from my credit report. You have never tried to contact me about this, have never been able to provide any proof ( or an actual bill ), you then refused a payment and those things alone tells me you do n't really want to collect on this, just want to keep me angry by keeping it on my credit report. I want this off my credit reports with XXXX, XXXX, and XXXX.
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Dear CFPB, I am sending you this complaint as attempt to resolve an alleged debt matter with a collection agency by the name of Pinnacle Credit Service. I review my credit reports on a monthly basis 's to ensure accuracy. In XXXX, XXXX I reviewed my credit report and discovered a collection account reporting from Pinnacle Credit Service, The account is reporting as follows.
1. Pinnacle Credit Service, Account # XXXX, Balance {$290.00} On XXXX XXXX, XXXX I sent a request for validation to Pinnacle Credit Service requesting for validation. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX advising me that they are representing their client Pinnacle Credit Service and that they were in the process of obtaining validation from the creditor. Time has passed and I have not received any communication from the collection agency regarding my claim since. I sent XXXX more request for validation on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and still have not received the validation request. I also made a phone call to Pinnacle Credit Service in between the time frame the validation requests were sent and was advised by Pinnacle that they 're not handling the account to contact XXXX XXXX. When I spoke with XXXX XXXX I was advised by them, they will mail me documents in the mail.
It 's now XXXX XXXX, XXXX, I not received the validation I requested. I have made numerous attempts to resolve this situation with Pinnacle. Whom still until this day reports the derogatory account on my credit report failing to validate the debt which is a violation under the FDCPA at this time Pinnacle Credit Service had sufficient amount of time to provide me the validation request I requested in writing three times and XXXX time by phone conversation with a representative. I request that Pinnacle Credit service remove the debt from my credit report with all three major credit reporting agencies ASAP, Thank you for assisting me with resolving this matter with Pinnacle Credit Service
|
| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I currently have an account with Pinnacle Credit Services on my credit report that I disputed because I did not believe the account was mine. It came back as verified with all XXXX credit bureaus. Recently, I contacted all XXXX credit bureaus to remove the dispute comments from my credit report since I would like to apply for a mortgage. XXXX complied, however, XXXX and XXXX stated that based on the status of the dispute they would have to re-dispute it to have it removed. I got the updates from XXXX and XXXX around XXXX XXXX stating that the investigation was complete but the account remained in a dispute status. I called both XXXX and XXXX on yesterday, XXXX XXXX, regarding this. XXXX removed the dispute status, however XXXX stated that they could not remove the dispute because the creditor felt like the issue was unresolved and I would need to contact them. I called Pinnacle Credit Services at XXXX and spoke with a representative who informed me that they no longer held the account, and I had to speak with someone at XXXX XXXX. I was also given the account number of XXXX, phone number XXXX. When I spoke with the representative at XXXX XXXX, they informed me that they bought out XXXX and that this account was no longer being collected on or reported, but its still being reported on my credit report. She also told me that the account was from XXXX 2009 ( which is 7 years ). When I explained the situation to the representative she stated that all updates would be made in XXXX. With the information that I have been given, I do n't understand why Pinnacle would not remove the dispute comment from my credit report, especially since they no longer own the debt! This has been a very frustrating process for me since all I wanted them to do was to remove the dispute comment, but to find out that the account is 7 years old, no longer owned by the company reporting on my credit, and to then be told it 's not reporting but instead it is.
|
| 12/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
On XXXX XXXX, XXXX in The United States Bankruptcy Court of XXXX Massachusetts case # XXXX and under Chapter XXXX debt owed to " XXXX XXXX '' in the sum of {$820.00} was discharged. XXXX XXXX received a XXXX of Notice of this discharge on XXXX XXXX, XXXX and that is the only account I have ever had under my name and social security there after.
On or about XXXX of XXXX I noticed a " Pinnacle Credit Services '' reporting on my credit reports that I owed them {$820.00}. When I called regarding this debt I was told it was for a XXXX XXXX account I had recently opened. After explaining to them that this debt was discharged and providing them the above information nothing was done to correct the issue.
Instead I received harassing phone calls saying that they were taking me to court ( which never happened XXXX. They told me they were not responsible for removing or reporting information to the credit bureau 's and gave me numbers to Vision Financial at XXXX and XXXX XXXX XXXX at XXXX which I spoke with both who simply told me that XXXX was responsible for this.
I have gone as far as to call XXXX XXXX 's corporate offices and they verified with me that the account I had with them was discharged through my bankruptcy in XXXX and that because of that they would not re-open an account for me under my social security without a large security deposit for 10 years!
The way Pinnacle is reporting on all XXXX of my credit reports is that this debt is in collections and current and it has been damaging my credit for almost TWO YEARS.
I am reporting them to the Attorney General as well and my next step will be to hire a personal attorney if you or they can not assist which I will expect Pinnacle to pay for.
I would greatly appreciate your help as I have been working very hard at improving my credit.
This company is awful and destroys people.
Thank you
|
| 01/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Please accept this statement from my wife on my behalf. She is the one helping me fix this matter.
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.
|
| 06/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am the victim of identity theft. On XX/XX/XXXX, I discovered a XXXX " collections '' entry on my XXXX credit report that was not mine. On XX/XX/XXXX, I called Pinnacle/ XXXX XXXX and spoke with " XXXX , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). " XXXX '' told me to submit a faxed dispute to XXXX XXXX XXXX.
I submitted a faxed dispute to Pinnacle/ XXXX XXXX on XX/XX/XXXX. However, I received no response to my dispute from Pinnacle/XXXX. So on XX/XX/XXXX, I called Pinnacle/XXXX again ( speaking with " XXXX '' at ext. XXXX ) to confirm that Pinnacle had stopped reporting the erroneous collections entry to XXXX. XXXX confirmed that, XX/XX/XXXX, Pinnacle had stopped reporting the erroneous entry, and he mentioned that the collections account had been closed due to the fraud.
On XX/XX/XXXX, I obtained a copy of my current XXXX credit report, and discovered that **the Pinnacle collections entry was still showing on my XXXX credit report, XXXX months after Pinnacle supposedly stopped reporting it and closed the subject account due to fraud. **Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector may not report a debt to a Consumer Reporting Agency ( CRA ) ( such as, in this case, XXXX ) if the debt has been disputed, and has not been verified within thirty days of the consumer 's initial notice of dispute.
Pinnacle/ XXXX has failed to provide me any verification of the subject debt more than six months after I first notified Pinnacle of a dispute ; and indeed, earlier this month, Pinnacle assured me that the account had been closed due to the fraud.
As such, Pinnacle is in standing violation of the FDCPA and the FCPA by continuing to report this inaccurate information to XXXX and the other CRAs.
|
| 05/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, XX/XX/2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX did in fact delete the original credit item in XXXX, XX/XX/2014. Please refer to the XXXX dispute results, dated XXXX XXXX, XX/XX/2014. However, XXXX XXXX reinserted the previously deleted information through Pinnacle Services Credit Services, LLC in XXXX, XX/XX/2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, XX/XX/XXXX This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. Pinnacle Credit Services , LLC has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter.
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having Pinnacle Credit Services , LLC reinsert the negative credit item under my name. Pinnacle Credit Services , LLC is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily.
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
|
| 03/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. XXXX # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM.
This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX Agent, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to XXXX for 90+ days. XXXX Agent verified this with me, via phone. No calls, no letters, nada. Until a collections letter from Pinnacle Credit, LLC.
XXXX sold the original account, to Pinnacle Credit Services , LLC, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt.
Pinnacle Credit Services , LLC, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA.
The latest servicer is XXXX XXXX XXXX, who responded to my previous CFPB complaint, that they would not contact me.
But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing.
As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever.
If Pinnacle Credit Services , LLC. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
|
| 04/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX XXXX years ago, after having someone else on my account who could not afford the bill our services were cancelled. They sent my account to Pinnacle Collections Agency. In XXXX I settled my account in hopes of having a closed status on my credit report. I was told that I would receive a letter after 30 days but need to make sure to call back to get the letter. I paid off XXXX other debts with XXXX other agencies who immediately reported and had the accounts closed. My credit score shot up XXXX points with those XXXX. I waited almost 30 days for Pinnacle to show my account as closed. I contacted back couple of days before 30 days and was transferred to someone else, they advised me I would have a letter within 2 weeks and it would show on my report after 30 days. A little after 30 days the account showed a {$0.00} balance but still " open '' status on my report. I contacted Pinnacle again due to still not getting a letter and the account still showing open. They assured me that it 's on the credit bureaus end and could take up to 90 days and they were " behind '' on their letters but they were mailing it soon. I am now at 90 days since paid, my account STILL shows open, and I have STILL not received a letter. I settled my account for XXXX. If I knew they were not going to report correctly and be completely out to XXXX people forever I would have paid off many more debts with my money. My account needs to be closed and reported CORRECTLY to the bureau. I have disputed this twice now with the bureau that keeps coming back that it 's valid because of the way they are reporting it. This company has been reported numerous times for their shady tactics and not reporting properly. This needs to finally be taken care of.
|
| 08/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 10 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 10 years. I have made several times over the 10 years but I constantly updated my address with the us postal service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable..
The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX CA. which is one of highest cost living areas in the united states if not the highest.
|
| 02/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've been contacted multiple times from Pinnacle credit in regards to a credit card that was opened in my name from identity theft. This debt was owed to XXXX XXXX XXXX and XXXX cancelled the debt once they contacted me about it and I provided them the copy of the police report showing the identity theft. Now, 10 years later, Pinnacle contacted me multiple times and attempted to coerce me into paying it, stated that they would accept partial payment and asked me to verify that the debt was mine. Multiple times I advised them that I do not owe the debt, that it was due to identity theft and had been written off. I even sent them a copy of the police report to show that and they continued to contact me. Finally they contacted my wife by phone and told me and my wife both that if we did not pay it that they would be taking legal action against me. Again, this debt is 10 years old, outside of the statute of limitations and was already written off as identity theft. I asked them what legal action they were talking about and they stated that they could sue me at any time unless I agreed to a payment plan with them. I advised them again that I would not communicate with them any further and that if they continued to contact me again that I would be filing every complaint possible against them including to the FTC and state authorities. Now I have received in the mail a XXXX cancellation of debt form stating that Pinnacle has discharged the debt for the amount of {$7500.00} and that I am responsible for paying taxes on that amount. This is in line with the FTC complaint referenced here : XXXXs
|
| 06/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my first bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past XXXX ( XXXX ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each one closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a XXXX ( XXXX ) year old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.
|
| 06/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Services has violated fair collection processes egregiously with me.
I have attached the original documentation plus faxes sent to all partiesXXXX. Pinnacle is not the original creditor.
XXXX. Pinnacle is reporting as an original creditor on more than XXXX of the credit bureaus ( FCRA Violation ) XXXX. As they are reporting to all XXXX bureaus, this debt will continue reporting until XXXX XXXX. XXXX, Texas statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX v XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) XXXX. A debt buyer hired by Pinnacle XXXX XXXX and XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX.
XXXX. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX.
XXXX. Received a letter stating XXXX and XXXX was closing the case and information submitted back to Pinnacle.
XXXX. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX.
XXXX. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor.
I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid a negotiated settlement amount of {$220.00} to XXXX XXXX XX/XX/2013. Received email confirming payment from XXXX. Then I learned few months later my account and info was sold to Pinnacle Credit Services. Pinnacle has tried to collect {$920.00} for almost five years now. Each time the clock ticks close to debt expiring they lie and say they have talked to me or had contact or a conversation.
Provided the credit bureaus with the XXXX payment confirmation and disputed Pinnacle Credit report as a collection. XXXX refused to remove but others did agree it was inaccurate info and removed.
Five years later Pinnacle Credit continues with mailing stuff to my house and reporting to credit even though debt was paid in XX/XX/2013. XXXX says they can't help that Pinnacle Credit owns the account now.
I currently and in process of underwriting to close on a home and this has the whole process on hold. For nearly five years now I've dealt with Pinnacle Credit shady business practice and lies. I will not pay a debt twice. XXXX received money and can not help me. Credit bureaus except XXXX agrees this was bogus. Pinnacle stalks me and lies saying we have talked to restart the clock. I'm at a loss.
This company is a scam and harmful to anyone that has had an account with big companies like XXXX. Based on the lack of professional manner and the dishonest approach Pinnacle Credit must be a relative of a XXXX Executive. Who else would collect money then sell the account to allow the customer to be hunted down and life ruined?
|
| 01/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In the mid part of 2015 I pulled a credit report and noticed I had XXXX accounts listed with Pinnacle Credit Services. I immediately contacted them and was told I had XXXX old bills with XXXX. XXXX account was for {$440.00} which I paid because I knew the account was mine. I begin to question the other account they had listed for {$190.00}, I was told that since I did not recognize the information that I should send them a letter disputing this information and request validation of debt which I did on XXXX/XXXX/2015. I received the confirmation that they received the request as well as following up with a phone call to make sure they received it. I have since called on several occasions to see if they have been able to verify the debt. I have been told each time that they have not heard back from XXXX even though it 's already been 4 months. My last call was on XXXX where I spoke with XXXX and who told me the same thing. I proceeded to ask her that should n't they be able to provide this information in a more timely basis and her answer was that it could take months. My understanding was that they had 30 days to validate the debt and if not then the trade line should be removed from my credit report she in return stated that was not true. I am unsure how to proceed with this company as I am getting no where. I would like it removed from credit report ASAP as it has an impact on my credit score. This is an account that is not mine and really feel it is unfair to pay for something that does not belong to me.
|
| 11/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
My name is XXXX XXXX. My account number with Pinnacle Credit services shows XXXX - I was told the actual account number is XXXX.
XX/XX/XXXX, I spoke with " XXXX '' from XXXX XXXX regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies.
I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud.
Pinnacle Credit Services, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports.
I called Pinnacle Credit Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX.
I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself XXXX times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email Pinnacle Credit Services and request the phone recording from XXXX XXXX, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor.
I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves.
I was promised that this would be removed from my file when I paid XXXX XXXX XX/XX/XXXX.
|
| 07/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Services has violated fair collection processes egregiously with me.
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor.
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX.
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX.
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle.
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX.
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor.
I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
|
| 02/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
PINNACLE CREDIT SERVICES out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. Pinnacle is a debt buyer and transferred me XXXX. I informed XXXX that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. XXXX then referred me back to Pinnacle. I called Pinnacle and they refused to speak to me about my credit report. they said I need to speak to XXXX XXXX XXXX. I explained that XXXX XXXX XXXX could help me. I told the woman at Pinnacle that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help XXXX '' and quickly transferred me back to XXXX XXXX XXXX. This is not my account and I want it removed from my credit. Pinnacle has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.
|
| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I told them look I 'm really want to settle the account but I need a letter stating my acct will be cleared after they receive payment and they will no longer contact me for the remaining balance or sell my acct to another collector. They sent me to the manager who was very rude. And said they could n't send a letter stating that until payment was received. I told him look I 'm not about to pay something I have no record of your collecting agency, for all i know you could be stealing my information and money. He said they was the company and that i could look them up on google. i told him to send me a certified letter so they are price I received the statement. He said they were n't going to do that. I do n't see why they would n't send a certified letter of I 'm willing to settle the account unless they are a shady collector or false people wanting to scam.
|
| 10/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My family share plan with XXXX started XX/XX/XXXX. XXXX lines, XXXX,XXXX,XXXX,XXXX. XXXX lines out of XXXX had expired contract ( no contract binding ) and the other would have expired XX/XX/XXXX. XXXX had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with XXXX as of XX/XX/XXXX. But XXXX decided to charge me for XXXX cancelled contracts for XXXX phones ( XXXX. X XXXX = {$680.00} ) which were returned within the time limit.
XXXX then had sold the false debt to Pinnacle ( debt collection agency ). I contacted XXXX, spoke to XXXX XXXX and Supervisor XXXX but they said they can not do anything about this because they sold it to Pinnacle collection and I should dispute it with them. Pinnacle said they can not do anything about it and that I should go to XXXX. XXXX SOLD A FALSE DEBT TO PINNACLE TO PUNISH ME BECAUSE I LEFT THEIR COMPANY AND WENT TO THEIR COMPETITOR XXXX on XX/XX/XXXX. Receipt attachedLINE ENDING XXXX CONTRACT ENDED XX/XX/XXXX. Contract was cancelled 4 months before expiration date. Charges should have been prorated. ( XXXX x XXXX = XXXX XXXX XXXX not only sold a incorrect debt to Pinnacle but report and damage my credit for four years plus. If they had sent me a bill for XXXX, I would have paid it immediately. Please stop this cheating company from cheating the average people of our country.
Thank you
|
| 04/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled an account with XXXX XXXX in XXXX XXXX. In XXXX, they still sold my account to Pinnacle Credit Solutions and Pinnacle has been reporting it to the credit bureaus since then. I have disputed this account every year when I review my credit reports but never really followed up with why it was n't dropping off. This year I 'm purchasing a home and looking into everything on my credit reports and getting little to no assistance from either company. In XXXX XXXX, XXXX XXXX purchased my account back from Pinnacle after they realized it had already been settled and sent Pinnacle and the credit bureaus deletion letters to have the account deleted from my credit report. Pinnacle continues to report my account even though they do n't own it. How is that allowed? When I do call Pinnacle, they are very rude and insist on transferring my call to a subsidiary company that manages the account, XXXX XXXX. XXXX says that according to their records my account was paid on XXXX XXXX, XXXX which is still inaccurate information. However, they maintain that they made Pinnacle aware of the payoff and that Pinnacle should 've ceased reporting the account at that time ; almost 2 years ago. So even though Pinnacle does n't own the account and their management company says the account was paid, they continue to report this to the credit bureaus even as late as XXXX XXXX, XXXX and nobody seems to care to do anything about it at all.
|
| 04/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX, 2016 : Pinnacle Credit Services is trying to collect for a debt I do not owe and they are reporting to the credit bureaus ( XXXX ). I called Pinnacle on XXXX XXXX 2016 and told them this debt is not mine and asked them to provide proof of documentation from the original creditor. They forwarded my call to XXXX XXXX XXXX XXXX. I again explained to them I am not responsible for the debt and would not did not agree to assume the liability. They told me they would send proof of debt and documentation to me in 2 week to 18 weeks because they are backlogged.
XXXX XXXX 2016 : After a month of waiting for Pinnacle I decided to contacted XXXX and filed a complaint on XXXX XXXX, 2016 against Pinnacle. XXXX forwarded my complaint to Pinnacle who then replied on XX/XX/2016 to say the debt is valid but did they did not provide any proof or documentation. A representative from XXXX said I will have to contact Pinnacle/XXXX XXXX XXXX XXXX directly to request the documentation. I told XXXX this would be the second request from Pinnacle and that is why I am seeking the assistance of the FTC.
XXXX XXXX, 2016 I need the assistance of the FTC to please help pressure Pinnacle Credit Services / XXXX XXXX XXXX. to either provide proof of documentation from the original creditor or cease their collection efforts and quit reporting negative credit reports to the credit reporting bureaus ( XXXX ).
Thank you.
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Since XX/XX/XXXX I 've been in and out of Hospital due to an accident. And since then i have not applied to any credit cards or any loans till XX/XX/XXXX. After been getting denied for every account i pulled my credit report and found several accounts opened under my name and several incorrect addresses listed under the credit bureau. So at this point i contact the Police and file a report due to these inaccurate charges and fake addresses under my name. At this point i started to dispute every information that was wrong under my report and most was corrected. When i contacted this company Pinacle Credit Services that report a XXXX account for {$550.00}. i was requested to submit all the document that i had in my hands which i did. I spoke with several members, XXXX, XXXX, XXXX and today I spoke with a lady by the name of XXXX, all of them refused to provide me the last name or any other Identification and their response to me was that i would receive an update in 48 hours, and i never heard from them, I 've send many letters to confirm this debt and none was provided to me. Every time i tried to explain my situation for the past several years and seams to me that they just do n't care about my case. Which this account is not mine and i should n't be responsible to pay for it. And this is the reason i 'm asking for your help in getting this resolved because it 's causing harm to my name.
|
| 06/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Reaging {$210.00} XXXX XXXX Cell phone bill. Phone # XXXX. Contract XX/XX/XXXX. XXXX XXXX. Supposed to be removed XX/XX/XXXX. XXXX attempted to collect then sent to XXXX XXXX to collect. Have received collection notices after XX/XX/XXXX. Pinnacle has the debt now. Stated I opened account XX/XX/XXXX when I had current phone number XXXX and was with XXXX XXXX. Now for the past 2 years I am with XXXX with same number. I have requested verification/validation from Pinnacle through fax from XXXX XXXX with transmission verification. A week later I sent them the same documentation via Certified Mail by USPS. I received nothing. I have sent them old credit reports showing reflecting the XXXX debt and when it was supposed to drop off in XX/XX/XXXX, along with other collection notices showing the old phone number as an account number. The XXXX CRA 's have been contacted via certified mail reflecting my dispute request 3 times, and for the lack of verification/validation by Pinnacle. Their response is that the debt is mine. I have had XXXX once! I still have the phone. Its a analog phone. Not a smart phone as we have 15 years later. I have been trying to clear up my credit since XXXX XXXX. Under section 605 this outdated info should be noncollectable or be allowed on my credit report without physical creditor documentation from XXXX XXXX which I have been requesting but refused.
|
| 05/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had a XXXX mobile phone in XXXX . Without a job and mounting debt, I filed Ch XXXX bankruptcy XXXX XXXX , XXXX . It was discharged XXXX XXXX , XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In XXXX , I sent copies of the Ch XXXX petition, copies of the discharge ( both available from XXXX ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that XXXX is not owed money due to the XXXX .
|
| 03/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter a week ago from a debt collecting company ( XXXX XXXX XXXX ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I found a wrongful credit reporting on my credit report and want it removed.
Debt Collection Company : Pinnacle Credit Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to Answer a demand to Verify Debt This Demand was Sent by Email, USPS and through XXXX without a response!
XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX Dated : XXXX XXXX, 2014 Dear Sir/Madam : I am disputing obligation to pay this account. Suspend all collection efforts until dispute can be validated with the Federal Fair Debt Collection Act Title VIII.
I am writing in response to Wrongful Credit Reporting of a debit. I do not believe I owe what you say I owe. I am disputing the debt.
I am respectfully requesting that you provide me with the following information : - What the money you say I owe is for - Any credit application for this debt - Any contract that I signed and dated, for this debt - A copy of any judgment - Identify the original creditor by date, name, address and telephone number.
Further, you are instructed : All future communications with me MUST be done in writing and sent to me by mail.
Finally, if you do not own this debt, I also request that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
By, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX XXXX, XXXX representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with XXXX over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to XXXX 7 years ago diputing the alleged amount they were stating that I owed. I called XXXX and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnected my service when the phone had gotten stolen. Pinnacle is asking for substantiating evidence, including a police report ect, a notorized affidavit or a filed court order, and they need that within 5 days. This was a debt from over 7 years ago! They put this on my credit report after the statue of limitations, like it was a new debt! This needs to be taken off NOW! It is effecting the amount of my Car insurance and may effect me getting a loan in the future. At the bottom of the letter it states that " This is a communication from a Debt collector. " " This is an attempt to collect a debt and any information will be used for that purpose '' I had told XXXX not to contact me about this debt, now they are doing it under a collection agency.
|
| 12/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Despite two written requests, ( XXXX XXXX XXXX 2017 and XXXX XXXX 2017 ) the unverified item still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ORIGINAL creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with MY SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
As far as the amount of the debt, it is reporting two different amounts on the same account. {$520.00} and {$520.00}. Explain and DELETE!!
|
| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services.
Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account.
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date.
I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
|
| 06/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have sent several requests to Pinnacle Credit Services per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt.
At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind.
It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.
I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.
|
| 09/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have repeatedly asked this company to verify a debt they say I owe. I have even offered them a settlement amount to take it off of my credit reports because this alleged debt is harming my credit. I have also checked on the FTC website and they are actually on the banned from collecting list. All they did was send old XXXX bills, but never verified any business I have with them. I do n't have no contract with Pinnacle. I asked them to show me something bearing my signature proving I owe Pinnacle anything. I have not received anything in writing from them at all! They ignored all my letters because I do n't want to do anything over the phone. I like to have a paper trail for everything I do.They sent your company a letter some months ago under a company known as XXXX back in XXXX. But I never received anything myself. I have sent them multiple letters and they fail to respond! When I went to file a complaint with FTC they said to try with CFPB first. I will take legal action if this is n't removed my credit reports. The link to the court judgement is below. I am trying to repair my credit and they are damaging it. Thank you for your time in this matter. I would love to get this resolved without taking legal action but they have left me no choice.
https : //www.ftc.govXXXX
|
| 06/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have repeatedly tried to contact Pinnacle Credit Services and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. Pinnacle tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called Pinnacle again this morning XXXX XXXX XXXX ) and was informed that they had been sold to XXXX XXXX Services. I was able to speak with a supervisor at XXXX who informed me that I would still have to pay via Pinnacle, but all of the phone numbers for Pinnacle go directly to XXXX. After calling a third time to XXXX, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt.
I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house.
I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.
|
| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle Credit Services placed {$2100.00} against me on my credit reports stating that the original creditor is XXXX XXXX. This is listed on my CR 's with all XXXX credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called XXXX XXXX and they told me that they can not find any information, and that I had to speak with Pinnacle Credit Services. I do not owe a debt too XXXX XXXX nor Pinnacle Credit Services. This was placed on my Credit reports in XXXX of 2012. Every month this reports and makes it impossible for me to go forward financially. I receive numerous calls from Pinnacle only for them to hang up as soon as I say hello. I only know its them because I XXXX the calling phone numbers. I now have them blocked from calling me because now it 's also harassment with no communication. I filed a dispute today with the Minnesota XXXX. I have also disputed this debt with the Credit Bureau 's.
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.
|
| 05/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XX/XX/XXXX, I contacted via letter disputes XXXX XXXX and Pinnacle Credit Services in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX XXXX. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past XXXX years ) and I 've never had accounts or service through XXXX XXXX. I 've spent the last XXXX months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Pinnacle has been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what Pinnacle has done to me. Furthermore, after sending dispute letters to XXXX XXXX, the company has not reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately.
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I recieved a letter from them today stating th at they are a debt collection agency and that i owe them over {$900.00} for ( what i assume from the name ) a cell phone. I have had the same cell phone company for about 20 years. I contacted cell company and double checked that i am current on my payments. Then i called the XXXX # provided by the company and got sent to XXXX . The representative informed me that they were collecting a debt and that i need to send them the money. I told them that i am disputing this, that not only do i not recognize said charges but that i have had the same cell phone company for almost 20 years and owe them nothing. They proceeded to tell me that i owe the money and that i need to send them a check today or they would be calling the police to have me arrested and have all my assets taken. apoun further inspection of " said debt '' I proceeded to tell them ( per there own collection paperwork ) that it states that the " debt '' is too old for collections, they will not try to sue me and they will not report it to the credit agencies ... .they hung up. This was/is a scam trying to get money from me that i do not owe yet they still try to harass me on.
|
| 07/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
XXXX XXXX, XXXX sent me a letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Phone number XXXX.
Original Account : XXXX. Their Account # : XXXX Charge -Off Date : XX/XX/XXXX. Principal Balance : {$1300.00}. Balance Due : {$2200.00}. Interest Balance {$850.00}.
Pinnacle Credit Services LLC and different creditors have been contacting me about this account and my responses are not good enough. I do not owe the company this money!
If it is XXXX XXXX BANK CREDIT CARD COMPANY, THEN WHY DO I CONTINUE TO RECEIVE MONEY OFFERS " PILING UP '' IN MY MAILBOXES FOR THEM TO LOAN ME MONEY WHEN I HAVEN'T REQUESTED ANY CREDIT CARD SERVICES. I HAVE A SAVED UP HUGE STACK OF OFFERS FROM XXXX.
I have written to different companies who have purchased the above account to harass me.
This company has a delinquent date listed as as XXXX. I paid them if I ever owned a credit card from them.
Why would the company wait many years after the fact, when I lived at the same address for 12 years and never received any extracurricular or outstanding bills?
I am tired of this company continually harassing me.
I dispute the bill.
XXXX is their number.
|
| 09/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is against XXXX and XXXX for not removing bad information from my credit file. On or around XX/XX/XXXX, a cell phone account was opened at XXXX XXXX. I do not have a XXXX phone and have never had anything to do with this company. I was told by XXXX that this account was sold to a collection agency ( XXXX ) in which I found out is on my credit report with XXXX and XXXX. I filed a dispute with XXXX and XXXX and received info that this particular account belongs to me. First of all I found out thru XXXX that this account is under a different name with my ssa #. Secondly, XXXX deleted after I disputed in XX/XX/XXXX but intern added it back into my credit file in XX/XX/XXXX. I refiled the dispute with both XXXX and XXXX. How can you file a complaint one day and a day later, both credit bureau have the investigation complete and you receive their results within a few days in the mail. I honestly feel like both XXXX and XXXX should be shut down for inaccuracies. Everyone that works their has bad English and very rude. I feel if they do n't get some kind of training on how to handle disputes and keep records accurate, they should be shut down.
|
| 07/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
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.
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I paid off a debt from XXXX XXXX Collection company XXXX XXXX XXXXPinnacle Credit Services. Paid by money order {$320.00} by certified mail, received from XXXX letter stating paid in full, everything fine, On XX/XX/XXXX, I received a letter this time from XXXX XXXX/Pinnacle Credit Services stating I owe the amount but if I pay half. That constitutes Mail Fraud under 18 USC 940 ( section 1341 ) I made all copies of all my documents back from XXXX including certified letter, and money order to XXXX. In addition, I contacted the original collections, XXXX who stated " everything was paid off years ago, creditor notified ''. This is a scam and needs to be investigated. How many people pay off their debts, forget about it than get a letter saying if you pay half? This is deception in it's purest form and constitutes the legal basis of fraud. This agency and the FTC needs to investigate immediately and shut these operations down. I have these companies ( 14 ) days to correct their activities otherwise I will file in a California Superior Court. In addition, will file a complaint with the California Attorney Generals Office.
|
| 01/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In the year XXXX I learned of a collection being reported by Pinnacle Financial Services. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After that investigation information about the account is being manipulated such as open dates etc., to extend reporting to cause me damage. Also this closed account is now reported in a manner to reflect as new delinquency each month which further damages my credit.
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This complaint is for XXXX written dispute sent XXXX/XXXX/XXXX requesting removal of XXXX credit services based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from XXXX stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof XXXX should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. XXXX is allowing XXXX to violate XXXX laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
|
| 08/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Pinnical Credit Services. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports.
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation.
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract.
I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract.
Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX
|
| 05/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I have called and submitted letters to XXXX and XXXX with a copy of my Bankruptcy Discharge notice disputing a collection account on my credit report. The debit was a XXXX 's XXXX account that was included in the bankruptcy and purchased by Pinnacle Collection agency 3 years AFTER bankruptcy was XXXX. I have received collection calls, letters requesting payment etc. I have been trying to rebuild my credit but have been denied again and again because of this showing as a collection account. XXXX in particular only added a notation the collection account was included in bankruptcy but will not remove and the other credit reporting agencies will not remove either. The collection account has RE-AGED debt as of 2012 which is in accurate. This has caused me financial injury these seven years since filing for bankruptcy. So after repeated request to verify information, the collection agency and all credit reporting agencies have provided false investigation results and have ignored bankruptcy discharge notice. In effect violation the automatic stay issued by the U.S. Bankruptcy Court.
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and one of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw Pinnacle Credit Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact XXXX XXXX XXXX because they handle all of their debt collections. I faxed a copy of my credit report to XXXX and they did not clarify if this debt collection will be removed from my credit report.
|
| 06/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The original creditor was XXXX XXXX, the debt had been disputed several times to XXXX as a fraudulent account and never resolved. XXXX wrote off the debt and it was purchased by a debt purchasing company. I was never contacted about the debt but it appeared on my credit reports. I have continuously disputed this account and it has not been removed. In XXXX I contacted XXXX directly, they sent a request to the credit bureaus to remove the debt because it did not belong to me but because it is being reported by this debt purchasing company it has not been removed. I called Pinnacle the company reporting this debt and was informed they are not managing the account another company XXXX XXXX has acquired the account, but Pinnacle continues to report it to the credit bureaus. When I contacted Pinnacle directly they told me to contact XXXX. When I contacted XXXX they were rude and refused to give me any information or send me any information. I have continuously contacted all XXXX credit bureaus over and over again disputing this record and it still has not been removed or resolved.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
A XXXX XXXX account is being reported on my credit file on both XXXX and XXXX reports and XXXX has properly corrected the apparent mismatch with their verification process. I have tried many times to correct the mismatch names or anything that XXXX is using to validate my information as reported by Pinnacle.
I've disputed it with XXXX, XXXX and Pinnacle, yet this account continues to be reported without any proof. I have proved by a sworn affidavit, still not refuted, that the XXXX account is not my account, I've never lived at the billing address, and I have never opened a XXXX account with that account number. XXXX has investigated this properly and removed said item from my report.
The last dispute filed on XX/XX/2018, and results arrived at on XX/XX/2018 by XXXX stating that the account was validated, yet I was not provided anything showing how or any supporting documents after submitting a sworn affidavit.
Again, Pinnacle, reporting a XXXX XXXX account is the only account on my report preventing me from acquiring a mortgage to buy a house at reasonable rates.
|
| 07/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Pinnacle Credit Collection LLC for XXXX XXXX very old collection I have asked many of times to verify the debt from XXXX and I get OK we will send you a bill of what you owe or what the charges are from and Never have I ever received a letter or bill. The amount is false in the first place I do not owe any bill from XXXX that is why I have asked for a break down for this debt. This company also are rude and told me so you are not going to pay your bills are you a broke junky. Also was told threatening if I did not pay I will be sued. That is when I wanted the debt to be verified.
This collection was on my credit report about a year ago or so I noticed that it had disappeared and then I noticed XX/XX/XXXX that it appeared back on my credit reports and made my score go down a lot. The amount that is showing up on my credit is for {$750.00} this account on my credit said it was opened XX/XX/XXXX and reported XX/XX/XXXX . Both dates are false. Because about a year ago when it was on my credit the Date Open and Reported were XX/XX/XXXX XXXX of XXXX .
|
| 06/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I have noticed that a company by the name of Pinnacle Credit Services have listed a debt on my consumer credit report. I have disputed the listing with the XXXX major credit bureaus because i do not believe that this debt belongs to me. I have never received any correspondence on the validity of this debt by mail or by phone, however it has been listed on my credit reports. This account has since been removed from XXXX of my credit reports XXXX XXXX and XXXX XXXX, but is still listed on my XXXX credit report. I have reached out to Pinnacle Credit Services by mail asking for documentation ( debt validation and or debt verification ) and nothing has been done. I have informed them that i am fully aware of my rights and have asked for timely verification ( i.e. amount of debt and name of creditor ), and still have not received any. This listing on my credit is having a major negative effect on my XXXX credit report. This company should know that they are required to provide debt validation when asked by the consumer per FCRA requirements. Please look into this matter.
|
| 06/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received letter statin g that Pinnacle Credit Services ( letter is fro m XXXX XXXX ) has purchased a referenced account from another creditor. The original creditor is listed as XXXX XXXX Bank, then XXXX XXXX , then Pinnacle. The Account balance says {$2500.00} but we can settle for {$1200.00} within 45 days. This is not my account or I do n't know what they are talking abou t. Letter also states that since the debt is so old that they can not sue me or report me to a credit agency. Unless I notify them within 30 days to pay the debt it will they will obtain verification of the debt or obta in a copy of a judgement and mail me a copy. Still, no idea what they are talking about and have had no past dealings with XXXX XXXX other than a recent credit card I have that has never been late. No past collections, no past contact about this issue. I looked online and found a lot of scam information from this company and phone number. When I tried to call XXXX I can not reach anyone at all and the message just repeats itself over and over again.
|
| 02/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I owed XXXX XXXX Cellphones since 2003. I loss XXXX of the phones and went to an XXXX store to get a replacement. They took the phone and immediately deactivated it. I asked them to reactivate my phone and they refused.
I was forced to buy another phone, as I now had NO cellular phone for use. XXXX represented that a smart phone would do the job and would cost the same as my older reactivated phone..
My normal bill for the use of the " older phone '' was {$20.00} per month per phone.
A XXXX later, I got a XXXX bill for over {$300.00}.
I immediately took the smart phone back to the XXXX XXXX told them about the bill I had received, and I could never afford that bill monthly.
They would not take the phone back, but did deactivate it.
Thereafter they claimed that I had attempted to revoke their contact with them and that I owed the $ XXXX judged that I had no enforceable contract with XXXX, based upon their misrepresentation of the cost of the Smartphone. Therefore, I have refused to pay their allegation of a " Contract ''. where none existed.
|
| 12/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Pinnacle Credit Services has been reporting a {$2700.00} collection account on my credit report. I have never had any business with Pinnacle Credit Services. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Pinnacle Credit Services requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Pinnacle Credit Services. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Pinnacle Credit Services.
|
| 04/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a a unverified account from PINNACLE CREDIT SERVIC XXXX. I had previously disputed this account this account. I have never done business with PINNACLE CREDIT SERVIC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt purport I owe. I request that PINNACLE CREDIT SERVIC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE CREDIT SERVIC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Hello CFPB employee, On XXXX XXXX, 2015 I sent a request for validation to Pinnacle Credit Services LLC regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to Pinnacle Credit Services LLC.
XXXX XXXX, 2015 I sent a XXXX request for validation and again time went on and still nothing received to me from Pinnacle Credit Service. Pinnacle Credit Service has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for Pinnacle Credit Service to follow the laws they 're governed by. I 'm requesting that Pinnacle remove the collection debt ( Pinnacle Credit Service, Account # XXXX ) Balance {$570.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with Pinnacle has been made.
Thank you CFPB In advance XXXX
|
| 07/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX XXXX XXXX alleging that I owe a debt. I do not owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or XXXX XXXX. I had already sent Pinnacle Credit Services a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by XXXX XXXX XXXX XXXX on behalf of Pinnacle Credit Services , LLC which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by XXXX XXXX XXXX XXXX, Pinnacle Credit Services , LLC, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
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.
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Upon discovery that Pinnacle Credit Services had placed a negative item in my credit files with XXXX, XXXX and XXXX ( Open Date of XXXX for an address at which I did not reside on at said Open Date and Balance Owed {$760.00} ) I made written request for debt validation via USPS Certified Mail Return Receipt. This was delivered to Pinnacle at XXXX XXXX XXXX, 2016. Pinnacle did not respond with debt validation yet continued to report this unvalidated debt to XXXX, XXXX and XXXX on XXXX.
The Federal Trade Commission ( FTC ) clearly states in an opinion letter that a debt collection agency can not report an unvalidated debt to the credit bureaus and that such reporting constituted a continued attempt to collect a debt. ( FDCPA Staff Opinion : XXXX ). Pinnacle is thus non-compliant with Section 809 of the FDCPA.
Since I discovered the alleged debt was claimed open at an address where I did not reside, I also have sent an Identify Theft Police Report, Proof of Address on Open Date and signed affidavit to original creditor XXXX.
|
| 11/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have an unverified account from Pinnacle Credit Services on my credit reports. I have repeatedly disputed this account with Pinnacle Credit Services and the credit bureaus. It is from a XXXX account that I paid directly to XXXX more than XXXX years ago.
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt. I demand that Pinnacle Credit Services provide verification of the following : 1. The original application or contract 2. Any and all statements allegedly related to this debt 3. Any and all signed receipts 4. Original date of default and collection activity dates 5. Whether you purchased the debt, and if so, the amount paid for the debt.
6. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.
I demand that the account be removed from my credit reports and that Pinnacle Credit Services cease all communication and collection activities until providing verification of this supposed debt.
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This alleged debt came to my attention when I was reviewing my credit report as I rarely apply for any credit and was unaware of this negative account. I did file a dispute directly to " Pinnacle Credit Services '', as well as, XXXX XXXX whom initially created this account for someone other than myself. I have never recive any documentation or validation of the account from either Pinnacle Credit Services or XXXX XXXX. Please validated this account as follows : 1. Any and all documentation supporting these creditors claim, including, but not limited to, the contract creating the obligation and any and all statements or invoices created as a result of this account.
2. The nature, date, and amount of the alleged debt.
3. The current balance you claim is owed.
4. The name, address, and telephone number of the original creditor and applicant that applied for this account.
This ( 1 ) account is being posted as ( 2 ) negative entires on my XXXX and XXXX account by both Pinnacle Credit Services and again by XXXX XXXX.
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I found out about this debt, by seeing it on my credit report. It is listed as a collection from pinnacle credit services LLC, in the amount of XXXX. I called them to get an explanation, and they refused to communicate with me unless I gave them my ss #, in which I refused. I sent them two letters via certified mail, requesting proof of the debt, and their response was this is from original creditor, XXXX XXXX in the amount of {$1600.00}, with no explanation of charges, phone numbers etc. I called XXXX XXXX, and they have no such records of an account existing in my name. I then called XXXX back, and again they would not communicate with me unless I gave them my SS #. Again I would not do so, and if this were a valid debt, I feel they would have this information, and could could verify, asking me if my last XXXX digits were # # # #. They have not sent me anything explaining the charges, or any other valid information, with the exception of my name, the amount owed, and who the original creditor is.
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I received an email from a guy named XXXX XXXX, that read, We're XXXX, a debt collector. We are trying to collect a debt that you owe to Pinnacle Credit Services , LLC. We will use any information you give us to help collect the debt.
Our information shows : Hello, XXXX XXXX. You have an account with Pinnacle Credit Services , LLC ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, Pinnacle Credit Services , LLC placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}.
I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I sent out a validation letter to Pinnacle LLC/ XXXX for 2 collections in the amount of XXXX $ and XXXX $ dollars that they say I owe. I requested their offices to provide me with competent evidence that I have any legal obligation to pay them or If they can prove I owe the debt.I also included if their offices are able to provide the proper documentation as requested I will require at least 30 days to investigate the information and if your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file of all 3 major credit bureaus XXXX, XXXX, and XXXX and a copy of such deletion request shall be sent to me immediately. They received the letter on XX/XX/2018 at XXXX 40 days ago and they have yet to Validate the debt they say I owe. So I'm asking you all to please help me to get a response to deletion of these accounts that was not properly validated.
|
| 05/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent several letter to Pinnacle Credit Services LLC with no response from them. They are reporting incorrect information on my credit report every month. They are listing it as a new debt as well as for collection. This has been happening for several months now. I have tried to reach the company but no one is returning my calls or answering my letters. I even have a letter from XXXX of their attorney stating they can not find any information regarding my account. I asked for the account to be removed ; it was removed for 2 months then put back on twice. I got that corrected. I have tried with all of the credit bureaus to have it removed but they say the debt is valid. When I asked for proof they send information through another agency but not to me. This is costing so much stress. I would appreciate someone looking into the matter. It seems to me that I am not the only person they are doing this too. This is so wrong. I am trying to purchase a house but this keeps popping up.
|
| 08/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up.
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law.
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX
|
| 09/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
PINNACLE IS REPORTING A COLLECTION TO THE CREDIT REPORT THAT DOES NOT BELONG TO ME. THEY CLAIM TO BE COLLECTION ON BEHALF OF XXXX WHEN CONTACTED XXXX NO SUCH ACCOUNT NUMBER OR ANY ACCOUNT UNDER MY NAME OR SOCIAL WAS LOCATED. I ATTEMPTED TO REQUEST VALIDATION AND VERIFICATION OF THIS DEBT FROM PINNACLE ( HAVE PROOF OF SERVICE ) BUT ALL MY DEMANDS AND REQUESTS WENT IGNORED ... AND THEY ARE STILL REPORTING THIS ERRONEOUS AND FRAUDULENT COLLECTION ACCOUNT TO MY CREDIT REPORT THIS MUST STOP!!!
PINNACLE CREDIT SERVICES # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX Balance : {$390.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$390.00} Original Charge-off : {$0.00} Original Creditor : XXXX Past Due : & gt ; {$390.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ;
|
| 05/11/2016 |
Yes |
|
- Credit reporting company's investigation
- Investigation took too long
|
|
Web |
|
|
applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.
|
| 11/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Upon undergoing a back ground check for federal employment, I learned this debt was listed with a collection agency on my credit report. I mailed a letter to Pinnacle Credit Service on XXXX/XXXX/16 asking for verification/documentation of the debt. They did not respond. I mailed a follow up letter to Pinnacle on XXXX/XXXX/16 with a copy of the original letter. I asked again for verification/documentation. They did not respond. I mailed a third letter certified mail return receipt requested on XXXX/XXXX/16 advising them to verify the debt or have it removed from all three major credit reporting bureaus. I received the return receipt verifying they received the letter XXXX XXXX. They still have not communicated with me or removed the debt. I applied for a mortgage on XXXX/XXXX/16 and was denied an FHA loan because this debt is on my report, yet the collection agency will not respond with verification/documentation.
|
| 06/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company sent me a debt collection notice about 4-5 years ago. I responded back in 30 days and told them I did nt owe the debt, as I have no knowledge of a account with the company in question. After that, I didn't hear from them for about a year, until they sent another debt collection notice. I again sent them a letter of dispute, from which I heard no reply. Last year, I received yet another debt collection notice. I once again responded with a letter claiming I dispute this debt, as I have no knowledge of this account. This time they sent a verification letter of the debt, but also stated they can not legally sue me or put the debt on my credit report. I took that into consideration along with the fact that the debt is not mine, and responded with a letter asking them to not contact me any more. Now, today I received yet another debt collection letter. At what point does this become harassment?
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In XX/XX/XXXX I opened an account with XXXX wireless service, with XXXX phone lines. The second account # XXXX was charged off and closed in XX/XX/XXXX. The first account # XXXX account has been " sold '' XXXX to a collection company. The problem is once a collection company gets the account it reports the date of when the account went bad to the date that the collection company bought the debt. A collection company named Pinnacle, is using XX/XX/XXXX as the reporting date. I have asked for proof from the credit reporting agencies. I received a letter from XXXX saying that they have conducted an investigation and that the information they received from XXXX was accurate. I am requesting a that your agency request the information, I am confident it will show that this XXXX account is past the time to be reported in a credit file. And In am requesting that this account be removed from my credit report.
|
| 05/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
First off, these people are contacting me for something that is n't mine. XXXX cell phone bill. I have XXXX of them on my credit report. They are not mine. I have challenged them and filed complaints. How can a person open XXXX accounts with XXXX in a year?? I do not know if someone opened these up in my name or if this is some kind of paperwork error, but these are not mine. I tried to explain that to the man that called me and he laughed at me, said it was n't his problem. He asked me how I intended to pay bill. I told him I was n't going to pay this because this is n't mine and it 's being disputed. He then told me they could take me to court and have it taken out of my paycheck. he called me XXXX, and refused to let me speak to a supervisor. Then the following day I received 17 calls from them. I thought it was illegal to call more than twice? I 'm so sick of this. These accounts are not mine!
|
| 01/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
XXXX has continued to give false information to the credit bureaus regarding this account that was initially XXXX XXXX. This account was removed from my report by XXXX XXXX because of a dispute. This company has on numerous occasions provided false information in order to reage this account that was originally disputed in XX/XX/XXXX. Pinnacle is reporting XX/XX/XXXX. I have filed a lawsuit and have sent them a certified copy. I just received a return receipt that looks like chicken scratch. This company uses fraudulent tactics and has yet to notify the bureaus of pending litigation or of the XX/XX/XXXX originated date for XXXX XXXX. This company needs to provide a copy of what they provided the bureaus and also documents from XXXX XXXX on their own letter head with a date from this year. I have also contacted consumer protection in the attorney generals office in their state as well as ct.
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX breached wireless contract and failed to provide service to business line. Charged a termination fee and sent to collection although all service related fees had been paid in full. Had to purchase legal protection at a cost of {$1900.00} to date. Filed complaint with XXXX regarding the overcharges that occurred while account was active. No restitution was provided by XXXX. They instead sold to third party collection agency Pinnacle LLC who violated FDCPA guidelines. XXXX parties elected to report an amount owed of XXXX to all credit bureaus. Both XXXX and Pinnalce reported amount owed. Therefore it appeared as XXXX derogatory items on bureaus report. This financial defamation limited credit opportunities to include student lending while attending XXXX program. This caused significant financial hardship, and loss of financial benefits from XXXX XXXX due to academic performance.
|
| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX a " Validation of Account '' memorandum was sent to PINNACLE LLC XX/XX/XXXX with a Certified Mail Receipt ; [ tracking # XXXX ] receivedXX/XX/XXXX.
PINNACLE LLC XX/XX/XXXXresponded XX/XX/XXXX8 ; ( 38 ) days after receipt of memorandum for Validation of Account. This is ( 8 ) days past the ( 30 ) day limit under the Fair Credit Reporting Act.
PINNACLE LLC XXXX and its XX/XX/XXXX response " did not '' validate the account ; they only sent a copy of the bill, with no supporting documents such as signature on a application for service or contract he may or may not have signed.
PINNACLE LLC XX/XX/XXXX sent a copy of the original bill with no proof of where or when the contract started or where service was established.
This failure to respond within the ( 30 ) day limit as well as failure to validate this account are contrary to the Fair Credit Reporting Act.
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 07/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above.
Pinnacle acct # XXXX
|
| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had been a customer with XXXX XXXX and purchased a phone with my planXX/XX/XXXX. I opened other lines in addition to the first line. After a couple months my phone screen went black and I was unable to use the phone. When I arrived at the store they dismissed my insurance and complaint of the phone. They then proceeded to sell me a XXXX additional purchase for a new phone. I canceled my policy and changed carriers. XX/XX/XXXXI received a credit report and a collection of XXXX was owed to Pinnacle Credit Services. I have not received any information on this collection or any communication by phone, mail or email. I called the Credit Services on the number listed and inquired about this debt. The information was inconsistent after calling 4 separate times, with four seperate agents. I am calling to have this removed from my credit report with XXXX charges owed.
|
| 08/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I disputed a collection item by Pinnacle Credit Services, receive a email from XXXX and XXXX that they verified the debt. So I asked them to provide me with a copy of the information they used or that they had on file to validate this collection to this day they have not provided this information or removed this item from my credit report. Pinnacle on the other hand sent me a copy of an account summary report ( this is not what I asked them for ) I asked them to provide me with a copy of the original contract that I signed with them proving that I owed them the {$290.00} debt they have as a collection item on my credit report. I still have not received that information from them.
As I understand the law once the original creditor receives a charge-off they forfeit all rights to collect that debt and no third party can assume the role of the original creditor.
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe.
They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago.
I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this.
Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone.
When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit.
He was clearly trying to bully me in to paying money I don't believe I owe.
I once again requested that the phone calls cease and informed them once again that this is a cell phone.
He again said " Fine! This can just sit on your credit then! '' I ended the call.
|
| 01/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe.
The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card.
More plainly speaking, I would still only have XXXX account.
I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports.
I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first.
I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies.
Thank you in advance for your assistance.
|
| 01/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, attempting to collect an alleged debt on behalf of Pinnacle Credit Services. I responded promptly once receiving this correspondence completely rejecting, rebutting and rebuking such a false claim and advised that I owe no such debt and have no contract or obligation whatsoever with Pinnacle Credit Services. I advised them to correct their records and respond in writing that their records are corrected and reflect that no debt is in fact owed and all collection attempts and activities will cease, as of XX/XX/XXXX, I have received no such correspondence. I advised that I would file this complaint with the CFPB and afterwards move forward with litigation if this unsolicited activity and harassment continues. I have attached my correspondence below.
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The " XXXX XXXX '' an umbrella of Pinnacle Credit Services LLC, XXXX XXXX XXXX XXXX and many more under the so called " XXXX XXXX '' has repeatedly put a collection amount for {$2100.00} back on my credit report through multiple transfers of XXXX - or attempts to have companies not underneath this umbrealla try to collect this debt that has been disputed, removed with XXXX and XXXX - XXXX. The account has been removed and again added back to my credit report multiple times. The last time the account was removed, this company had tried selling off a debt to XXXX XXXX XXXX address XXXX XXXX XXXX, SC - I have been violated not only through this company " XXXX Companies '' but also by XXXX, XXXX and XXXX for allowing them to even put this account back on my credit report after it has been removed multiple times.
|
| 04/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed this company XXXX/Pinnacle LLC on my credit report stating I owe {$1900.00}. I sent them certified letters requesting validation made pursuant to the Fair Debt Collection Practices Act & Fair Credit Reporting Act along with validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX I received a letter from this company stating they have initiated a review of the inquiry. On XX/XX/XXXX I received another letter which they sent an account summary which according to the FTC an itemized printout does not represent verification. On XX/XX/XXXX another letter from this company stating the information provided along with their review of the account is insufficient to support their claim
|
| 05/20/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
Older American, Servicemember |
|
Pinnacle Financial Services reported to the credit bureau that they colected a debt of XXXX Dollars for XXXX services. The debt was paid in full to XXXX XXXX. After it was paid Pinnacle reported it as a closed colection. This constituted re-aging of the debt they never had any involvment In collecting thereby severley damaging my credit score with all XXXX bureaus. I never had any correspondence or communication with Pinnacle Debt Services. They have refused to provide me with and valadation of the debt. They are the subject of numerous complaints with the with the XXXX in Minnesota. They are a predatory collection Agency who refuses to follow the FCRA. How can a collection agency report to the credit bureau a debt that i paid to another agency in full. They are engaging in re aging of the debt.
|
| 08/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX/XXXX/2015 I received a collection bill from XXXX, informing me that they were attempting to collect a bill on behalf of Pinnacle Credit Services , LLC. After receiving the bill I agreed to pay the portion that I was responsible for. On XXXX/XXXX/2015 I paid the bill in full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact Pinnacle Credit Services, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted Pinnacle Credit Services LLC and XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.
|
| 04/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received this letter on XXXX XXXX, 2016 from this company say that they represent Pinnacle Credit Service. I called then and found out that they are Pinnacle Credit service but a different name in another state. I was told that I had 5 day to respond to this letter. I feel now that I am being harassed by this company once again. I am trying to get the information removed from my credit report because of Pinnacle Credit Services. It has been well over 90 days since I have filled my complaint. I called XXXX and they have no knowledge of this company. I just want everything to stop. I want the information from Pinnacle Credit Services removed from my credit report. Like clockwork they renew the information on my credit report and it causes a drop in my credit score every time this happens.
|
| 02/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX account back in XXXX. I ended my relationship with XXXX in XXXX and was told I was paid in full. Flash ahead to XXXX. I noticed there was a Pinnacle Credit Services account on my XXXX and XXXX Credit Reports. I have disputed both accounts on both CRA 's I have called numerous times to Pinnacle in attempts to find out how I can still owe this and why they are still reporting on my CR 's 10 years later. I have never received a response from Pinnacle regarding this. Every dispute comes back verified from the CRA 's. I am trying to buy a house and this is the ugly elephant in the room preventing me from doing so. Please have Pinnacle remove this tradeline from both my XXXX and XXXX credit reports as they can not and have not verified this debt that I supposedly owe.
Thank you
|
| 08/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.
|
| 03/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They yet to prove this account is valid and when it was actually obtained when they bought it from the original creditor. I've asked this numerous times and still no reply. I would like this collection taken off all three of the credit bureau 's reports for me.
PINNACLE CREDIT SERV Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance {$1500.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX, C/O XXXX XXXX XXXX, XXXX, SC XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of XXXX this account shows opened. Contacted the XXXX agency which information they provided did not match. The first Representative stated account closed in XXXX. Representative then transferred me to a XXXX party for collection which she said the account closed in XXXX. I was asked to confirm mailing address and the address that was in their system did match my physical address. I have not received any correspondence of the debt. I was even unaware another collection agency was handling my debt. To settle the debt XXXX representative gave me an amount and the other provided a completely different debt both withing minutes apart. She also stated even if I satisfied the payment it wouldn't be removed from my credit report. Neither XXXX have me any info that matched
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules.
Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX
They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX.
This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
|
| 12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is Pinnacle Credit Services.
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report.
Yet, the account is there again, and XXXX has removed my ability from disputing online.
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened.
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
|
| 04/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am making a dispute agains t Pinnacle, LLC in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION m ade pursuant to the XXXX XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts ( XXXX , XXXX , and XXXX ). Th is action constitute fraud under bot h Federal and State Laws.
|
| 02/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent letters to this company and have not heard back. After having my credit report pulled, I found that they have a debt listed that does not belong to me. I've never had an account with XXXX. I've been a XXXX customer for years. Matter of fact, when I recently tried to switch to XXXX, they gave me two brand new XXXX with no money down. If I had issues with them, I believe they would have noticed a previous account. ( I ended up returning the devices within the week, after deciding to stay with XXXX ). This was in XX/XX/XXXX. This account on my credit shows that it was reported on XX/XX/XXXX The fact that they have not tried to resolve this is causing me extreme financial distress. I want this account removed off all three of my credit reports immediately.
|
| 02/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle Credit Services is refusing to verify the account. I was sent that the dispute was " Frivolous '' and they do not have to respond to the credit dispute that was sent. Upon calling the company another company named XXXX has the account. Pinnacle reports to the Bureau and diversified handles the account.
I tried to do a " Pay for Delete '' offer and XXXX will not address the offer by saying they just show the account " paid '' and do not report to the agencies. Pinnacle does the reporting to the Credit Bureau.
I tried calling Pinnacle Back and they keep transferring me to XXXX by saying they only have the creditor name and my name for the account.
XXXX is not verifying or addressing my debt and will not let me remove this debt from my credit report.
|
| 03/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies.
I called XXXX today, and explained this and will forward add'l documentation to them. I understand the the current owner is Pinnacle Credit Services , LLC ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.
|
| 10/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company continues to try to collect a debt that was canceled by the original creditor and removed from my credit report. The debt is from XXXX but the company continues to report to the credit bureaus that this was a new account open in XXXX. Please have pinnacle provide proof of what they are reporting to the credit reporting agencies. Also I 'm working with officials in the ct consumer protection and ct judicial system to summons pinnacle to court and I 'm am looking for a legal contact number for the company. I was forwarded to a bogus lawyer who sounded like he just woke up and stated he did not work for the company. The company has over several thousand complaints for fraud and non compliance with the federal credit reporting act.
|
| 04/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Pinnacle Credit Services continues to verify a debt with all three credit bureaus yet refuses to respond to my requests directly with them to verify the debt. They continue to make changes with the credit bureaus like it is some sort of game. They have removed the account and then put it right back on my report. They have changed the account type, they have changed it from closed to open, seemingly anything they can do to harm me. The alleged debt is on open account type with a telecommunications company and the statue of limitations in Alabama expired over 2 years ago as the original account was from 2010. I have documentation proving they received my letter yet they continue to behave in a very unprofessional manner.
|
| 06/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
This is a much older debt caused by my ex-wife using my son 's phone and me being unaware. It is being passed around to all the collectors who then add on new charges. It will never be paid by me as I did n't make the debt. It is being misrepresented by being renewed by each new collector so as to keep my credit history in jeopardy illegally. These debts can not be collected after 3 years according to Federal Statutes. I want it taken from my files at once. Passing it along from agency to agency is not morally right or civilly correct. Had I the resources I would pursue legal action against these companies. As I ca n't prove fraud, I ca n't pursue legal action against the party that caused the debt problem either.
|
| 12/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
received collection letter from XXXX on behalf of Pinnacle on behalf of XXXX. Do not owe the debt. I sent written request for? ALL of the foillowing.
1. copy or original agreement with XXXX2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged.
5. copy of original contract for account sale between Pinnacle and XXXX , and XXXX and XXXX .
6. to have removed from my credit report. XXXX wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no one responds to my letters or calls to have this resolved. I am left with this and small claims court to resolve this now.
|
| 08/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I HAVE BEEN RECEIVING SEVERAL COLLECTION AGENCY 'S ATTEMPTING TO COLLECT A DEBT FOR A COMPANY CALLED " PINNACLE CREDIT SERVICES, '' THESE DEBT COLLECTORS ARE HEREIN LISTED HAS THE FOLLOWING ; XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. THIS CASE OF PINNACLE WAS FILED UNDER AN OLD U.S.BANKRUPTCY CASE FILE AND WAS LATER DISCHARGED UNDER CHAPTER XXXX, HOWEVER OVER THESE PAST ( 5 ) FIVE YEARS, I HAVE BEEN RECEIVING SIMILAR ATTEMPTS TO COLLECT THIS SAID DEBT, CURRENTLY UNDER KENTUCKY REVISED STATUTES THIS DEBT IS NO LONGER A VALID CLAIM AND IS THEREFORE PAST THE STATUE OF LIMITATIONS. I HAVE ENCLOSED COPIES OF ALL LETTERS RECEIVED FROM THESE COLLECTION AGENCY 'S AND THIS ACTION TO COLLECT THIS DEBT NEEDS TO STOP!!!
|
| 12/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Today XXXX/XXXX/XXXX around XXXX pm I called to attempt to pay a collection account as Im trying to rebuild my credit. I have dealt with a half dozen or so collection agencies to do this very thing. The previous agencies were very helpful in helping me repair my credit. However, Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX said they dont delete accounts and they would mark it paid in full or settled if I gave them all my vital information including my Social Security number before they would do anything. They wouldnt even send a letter saying that if I paid them it would be marked as I said earlier. They still wanted all my info. I dont trust collection agencies so I thanked them for doing NOTHING!!!
|
| 07/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had tried to return a phone in exchange for a new one ... thats all no upgrade etc. ( had it ten 10 days! ) ..the nastiest woman in the XXXX NH store bellowed there is nothing wrong with this phone ... which of coarse there was. I wanted to swap it out before the warantee expired and she wouldnt do it. So I put the phone on the desk and told her you have broken the contract by not repairing or replacing defective phone. We have no contract .She said GOOD LOL.. Recently checked my credit score which was ok and found XXXX sold it to collections. Someone said call verizon which I just did and the abrupt woman said .nothing I can do we sold it. I asked to talk to supervisor and was told there was no need.
|
| 03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I am a physician, and as such I am very reliant on having a functional phone. XXXX sold me android phones which were constantly and consistently breaking down. They replaced the phones numerous times. The last time they replaced the phone with a new one it did n't even last a day before it stopped functioning properly. When their representative told me he was going to have another android replacement sent to me I said that that was not acceptable. I told him that I needed a different phone that was more reliable or I was going to switch to a different service provider. He said he could only order me another same type of phone. Therefore out of frustration I switched to a new carrier.
|
| 11/05/2017 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was removed and proven to not be mine in XXXX of XXXX and it all of a sudden re-appeared XXXX XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XXXX of XXXX, all I received was bills with an address I never lived at, no signatures or anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
|
| 05/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit.
|
| 09/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Someone by the name of XXXX XXXX called me today at work XX/XX/2020 and this was not the first time. He called me multiple times and every time he calls I tell him Im not allowed to except phone calls at work. he then gets belligerent and tells me that I am required to talk to him. He called my boss today and the bookkeeper and demanded that they tell him information about me where I work and other private information they told him they were not going to give him any information and he became very belligerent with them and tried to tell them that they are required by law to answer his questions. This has caused me an undue amount of stress and I just want him to stop calling me
|
| 05/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX I sent a letter to Pinnacle to validate the debt that I owe, they received the letter on XXXX XXXX, I received a letter from XXXX date XXXX XXXX saying " Based on the content and circumstances of the enclosed letter, Pinnacle believes that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Pursuant to 12 CFR 1022.43, such a dispute is considered frivolous or irrelevant, and no investigation must be conducted The purpose of this letter is solely to inform you that Pinnacle has deemed your letter to be frivolous or irrelevant, and has not conducted an investigation into the claims made therein. ''
|
| 06/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 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.
|
| 04/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
PINNACLE is reporting on my credit file ..I was reading on your website about my rights and what i can ask the company to provide me if they felt i owed them money ..I never even knew they were on my report and never recieved notice about it .Until it is stopping me from purchasing my home .I asked them to send me information in regards to oweing the collection agency and contract i signed with them but they only send a few statements im comfused and its looks like old account but shows likes its recent its not even reporting right I ask them to validate they send me letters asking to pay and call me to pay but never send what i need I dont think they can do this to me
|
| 05/23/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Regarding Pinnacle collection services. They state that I owe XXXX {$40.00} fr om 2013. I have never had an account with XXXX . The amount is petty. I have more than enough money to pay the {$40.00} but why would I pay someo ne one cent of my money if I do n't owe it? What are the details of the alleged debt? Cell phone? Home phone? If so, why such a small dollar amount???? Does XXXX have any other records showing a history of payments or me doing business with them? I do n't think so because I have never had this account in question. It 's not fair that they can add this to my credit file without substantiating the account. Please look into this.
|
| 11/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This complaint is about XXXX XXXX selling my debt to Pinnacle Services LLC continuously. XXXX has been removed from my Credit reports onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive disputed this many times asking for validation of this debt and XXXX fails to do so which has resulted in their removal from my credit report, numerous times. Each time this company reports as a debt, my credit score is effected. Not only is my credit score in jeopardy but so is my financial history. If XXXX can not validate this debt properly, why are they continuously placing this debt on my credit! My credit has taken a deep hit because of all of these reinsertions.
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received multiple emails reported under spam in my email account, from pinnacle credit services. The company stated that I owe the amount of {$190.00} from a previous debit with the company XXXX XXXX XXXXThe email stated that the account went into default in XX/XX/XXXX and was charged of on XX/XX/XXXX XXXX middle initial is not correct in the statement as mine starts with R not L. The year i was born in is XXXX, and in the years of XXXX to XXXX I would have been around the ages of XXXX XXXX years old and unable to open any accounts till at least 18. I have 30 days from XXXX to dispute the claim. I am concerned if there was any identity theft.
|
| 06/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have done several complaints regarding a debt t hru Pinnacle Credit Services a nd theservicer of the account XXXX XXXX XXXX . They have the opened date as XXXX XXXX but that is the date they bought the debt. My original creditor XXXX charged it off XXXX XXXX XXXX and my last payment on this account XXXX XXXX , XXXX as they have clearly stated in the letter I have attached but they will not change the date in XXXX an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected
|
| 09/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX / Pinnacle Credit Services , LLC is re-aging debt to the XXXX credit bureaus : XXXX, XXXX and XXXX. They are reporting the open date as XX/XX/XXXX. They refuse to send any documents validating the date they are reporting. I am including in this complaint, correspondence from the original creditor, XXXX XXXX, and the date the account became delinquent, which is XX/XX/XXXX. I am also including a bill from the creditor stating the date of services is XX/XX/XXXX. I am also including the pages from my credit report showing this company is reporting an inaccurate date and re-aging this debt, which is extremely illegal.
|
| 05/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
When I was 1st contacted I was told this account was for a type of wireless internet router that a person could travel with. I never opened this account nor did I give anyone permission nor do I know who opened this account. I have informed XXXX of this and have informed the collection agency in writing with no results. I have never had any need personal or work related for this type of equipment. Being that I did not open this account, I feel I am not responsible for paying for it and will not do so. I always pay for all credit accounts that are mine in full yes I have made late payments in my life but still paid what I owed.
|
| 05/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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 interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one 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.
|
| 06/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 XXXX/XXXX/15 XXXX/XXXX/15 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 one 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.
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Services has flagged my Credit Report with a collection of {$1500.00} from an old XXXX bill. I do not owe this money to XXXX. Pinnacle Credit Services has sent fraudulent information to the Credit Bureaus stating that I have an unpaid balance at XXXX for {$1500.00}.
I 've contacted XXXX in regards to this debt and XXXX has no knowledge of this debt. I have disputed this debt with the credit bureaus to no avail. I 've sent multiple letters to Pinnacle Credit Services asking for validation of this debt with no response. Every month this account updates on my credit and is harming my credit and reputation.
|
| 01/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.
|
| 06/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 05/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Pinnacle Credit Services LLC Company : XXXX Amount : {$3000.00} Acct # : XXXX : ref # XXXX I was informed by a financial advisor there were a few thing on my credit report that should have been closed XXXX included. I called the number I was given by XXXX this morning XX/XX/18 and was informed that Pinnacle was sold to another credit service called XXXX XXXX XXXX ( XXXX ). I settled within a year of my Cancellation of service for {$800.00}.
I am disputing the amount and would like this removed from my credit report as it is hindering all attempts at improving my credit score.
Thank you in advance.
XXXX XXXX XXXX
|
| 07/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Original account was purchased by Pinnacle Credit Services LLC and they did not provide validation of debt. Attempted numerous attempts to get validation of the debt and was never provided validation of said debt. Pinnacle closed there doors and was purchased by another company named XXXX XXXX XXXX located in XXXX SC. The said debt has been reported to the credit reporting agencies with inaccurate information stating opened in XXXX of XXXX and the original delinquency was in XXXX. Requested a Cease and Desist verbally and the agent refused to acknowledge stating that they only acknowledge cease and desist in writing.
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been disputing for a while with the credit bureaus and Pinnacle Credit Services and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my XXXX credit files are still showing this account despite the multiple disputes.
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Pinnacle/XXXX is reporting to XXXX falsely as an original creditor when in fact they are a collection agency for XXXX. No where in the XXXX report does pinnacle state original creditor is XXXX. They have continued to verify disputes that I have opened with XXXX that they are the original creditor and they are not. XXXX is also reporting payment history, high balance and amount past due which a collection agency is not permitted to do. They also continue to say it 's XXXX doing it when in fact XXXX states pinnacle is reporting the debt this way. They also monthly change the amount owed on the account by XXXX dollar.
|
| 07/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records.
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.
|
| 06/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked Pinnacle Credit 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 one 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.
|
| 11/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Alleged Debt was not validated nor verified. Consumer requested validation multiple times in writing ( Certified Mail ) and never received a response. Consumer filed complaint with CFPB and they failed to respond to CFPB investigation. Consumer filed second Request to CFPB for assistance and Creditor still fails to respond. This the the third request since XX/XX/2016 where consumer is demanding proof of alleged debt. My credit report shows Creditor as Pinnacle, yet XXXX states they are servicing for Pinnacle. There is no proof of ownership of this alleged debt nor any validation. Multiple FDCPA violations.
|
| 05/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked Pinnacle Credit to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one 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.
|
| 03/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I found out that a XXXX XXXX account was opened using my social security number. I also filed a police report on XXXX XXXX, 2013 stating such. This debt has been sold to multiple collection companies over time. Pinnacle Credit Service has reported this on my XXXX report without validating the debt, which is a violation of the FCRA. I have sent multiple letters, which has included the police report to Pinnacle or their associates, in which the collections will then change hands. I am extremely upset that this company is willing to report such damaging items on my credit report without validating the debt.
|
| 01/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Account Date Opened XX/XX/XXXX Account Status Open Payment Status - Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Original Balance {$480.00} C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This debt was removed then went back on my report. It is not accurate and it had been sold mulitple times. I also have disputed this as not mine but a family member who used my old account to add themselves to mine. It is also being reported twice and it is same account.
|
| 04/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Pinnacle Credit Services ( XXXX XXXX XXXX, XXXX, MN XXXX ) mailed me a XXXX ( Cancellation of Debt ) stating that they are discharging a debt of {$5400.00}. They are collecting for XXXX from when I lived in Virginia over 12 years ago. The original debt of between $ XXXX {$200.00} was paid at that time. I have not even heard from the collection agency in ages. The amount of {$5400.00} is also ludicrous, and they know that I ca n't look in my records for proof that the bill was paid 12 years ago. I read online that Pinnacle Credit has a history of using fraudulent tactics like these to collect debts.
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a certified letter to XXXX and the Collection Agency to verify/validate the debt by sending proof of verification that I owe this debt, it is not enough for the Collection Agency to simply send me a print out of an amount allegedly owed.
If they are unable to verify this debt, they are not allowed to continue listing this debt on my credit report. I have made a dispute with the credit bureaus as well and they still are reporting this on my report without having verified this debt belongs to me.
Please assist me with having this company remove the listing from my credit report. Thanks.
|
| 07/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me
|
| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Pinnacle Credit services purchased an account from XXXX XXXX and has XXXX trying to collect on an account that is from XXXX that I paid to XXXX. Pinnacle Credit XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact XXXX XXXX XXXX who told me that the account was sold to Pinnacle Credit Services on XXXX/XXXX/XXXX. Pinnacle is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle has refused to correct their false information and have not met the FCRA standard. Consumer is seeking the licensed and registered agent in Pennsylvania to pursue action for violations by Pinnacle.
Creditor, collection agency and credit bureau, if they reage your debt ( FCRA section 605 ( c ).
Creditor, collection agency if they report your credit history inaccuratley ( extent of damages incurred ) a collection agency can not misrepresent a debt as to the date, legal, or amount ( FDCPA ) FCRA Section 604 ( A ) ( 3 ) covers the pulling of a credit file without permissible purpose
|
| 06/02/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX XXXX XXXX are attempting to collect a XX/XX/XXXX judgment that was XXXX in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Pinnacle credit services is bought s debt from XXXX XXXX that they claim I owe. the claim I owe over {$1900.00}. I have disputed this with PCS and the XXXX major credit bureaus ; however, I do n't think anyone is trying to verify disputed information. Pinnacle is updating each month to all XXXX credit bureaus. I also contact XXXX XXXX and according to them, I do not owe them. XXXX also opened a new account with them and they are my current cellphone XXXX. I think these charges XXXX is stating I owe are bogus ; therefore, these negative marks should be removed from all XXXX credit bureaus.
|
| 10/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report.
|
| 06/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
For months now my credit has been ruined by a collection effort from XXXX XXXX and Pinnacle. XXXX after there investigation claims they notified the CRAs to delete the file. Pinnacle despite consistent efforts ignored that and when finally notified they resold the debt to one of there affiliates. The file this company claims I owe is from a current XXXX account opened XXXX/XXXX/14 so it 's baffeling how it could be a collection account. Both XXXX and XXXX have snubbed Thier noses at any applicable federal law regarding credit reporting. It 's time to put Pinnacle out of business.
|
| 03/17/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I applied for a mortgage in XX/XX/XXXX and this company started reporting a {$330.00} debt on all XXXX of my credit bureau reports. I then called them and asked for verification that the debt was indeed mine and proof that I owed the debt. Their response was that they had sent me a letter but I had never heard of them or received anything from them prior to my calling. I explained this to them and they told me I had to file a police report (? ) to get this removed from my report, as if my identity had been stolen. They refuse to verify the debt and send me proof that it is mine.
|
| 11/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX2011 for {$320.00} I called the company Pinnacle Credit Services told them several times that this account is not my account because address does not match, city does not match, & I already have a account with XXXX so how do I owe them & I already have account already for 8 years does not make since, Told Pinnacle Credit Services to remove this account from my credit report several times as of today the company has not did so total illegal what this collection company is doing, Pinnacle will say anything to keep the account on credit report even do its not your account.
|
| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Someone had used my information for XXXX and it resulted in over {$3000.00} in debt that is WRONGLY effecting my credit. I had contacted XXXX and even got a lawyer to help me remove this from my credit but have had no luck getting a response from Pinnacle Credit Services. I am now going to get a notarized letter from my lawyer and I and send that to them. Not hearing from them should indicate that this needs to be removed since they are not willing to work with me. This debt is NOT MINE and Pinnacle Credit services has done nothing to right this wrong.
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
i receive a minimum of XXXX calls a day, everyday! They start at XXXX and end at XXXX. It is an automated call that is picked up by a barely and nearly impossible to understand representative. This initial person simply connects the call and verifies they have reached me. I am then put on hold when an XXXX speaking person comes on and immediately says we need to verify your identity, '' what is your social security number, birthdate & current home address ''! There is no way I am going to give that info to anyone ... especially someone who called me.
|
| 08/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
In XXXX 2011 I was XXXX out to XXXX XXXX. Having XXXX at the time, I called and told them that they needed to cancel my service as I would no longer be needing it as I had XXXX.
It appears they did not take this into consideration, as I now have this collection reporting on my account. I feel this is wrong, as I had given prior notice of the event - and under military orders, was allowed to get out of the contract.
Attached are the orders given to me for scrutiny. I wish for the complete removal of the account from all bureaus reporting.
|
| 03/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested MULTIPLE time from this company to validate this debt which I do not believe I owe and have no knowledge of. I have sent several letters to both the collection agency and also to a " law firm '' whom I believe is n't a law firm but a fake letter meat to look like an attorney I have not received validation nor has this been removed from my credit while its being validated and it has also been disputed with all three credit bureaus with no success. I ask that this be addressed immediately as this has been going on for months.
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.
|
| 06/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
|
| 04/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
|
| 03/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received on my credit report a collection for XXXX XXXX. I called the collection agency numerous times to tell them this debt was paid. They keep saying it was n't and send me all my XXXX XXXX bills. This account was paid when I was gong to put XXXX in my home and XXXX XXXX told me I had to take care of this bill before I can get XXXX in my home. So I agreed to have two bills one for XXXX and the other to pay the XXXX XXXX bill off. I finished paying this bill off a long time ago. They refuse to take this off my credit report.
|
| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!
|
| 10/22/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
I need your assistance in removing a disputed account on my credit reports from : XXXX, XXXX, and XXXX. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, XXXX XXXX . Its having a negative affect on my overall credit score.
Reporting Company reference : Pinnacle Credit Services ; XXXX. XXXX XXXX ; XXXX, MN.XXXX.
Tel : ( XXXX ) XXXXXXXXOriginal Amount : {$250.00} dollarsWould you please have them to remove this from my credit reports.
Thanking you in advance!
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX, XXXX is representing the creditor Pinnacle Services, LLC that is trying to collect on an old debt for a XXXX XXXX bill dating back to XX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from XXXX XXXX, XXXX dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
|
| 05/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had not XXXX , but XXXX accounts with XXXX . XXXX a personal and XXXX a business account. Both accounts went into default ( {$730.00} personal and {$1200.00} business ) and eventually they combined the accounts and sold them. I 'm not disputing the validity of the debts, I 'm disputing the validity of the number of accounts in which the business account should not be on my personal credit. I signed the agreement using my EIN and therefore need the bills separated to know which is being reported correctly.
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I owed XXXX XXXX {$360.00} a couple months later, Pinnacle Credit Services LLC was on my credit report. Moreover, a year later i settled the debt with there XXXX party which i dont understand because t tey have a lot of XXXX parties. Anywayway upon payment it was agreed that the debt was settled and will be closed and taken off my credit report after 30 days. They sent me XXXX letters verifying account is closed. I disputed to all XXXX credit burueas twise and it is still on my credit report and they keep reporting.
|
| 04/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX accounts through Pinnacle Credit Services , LLC that were in collections. In XXXX 2015 I paid both of them. Pinnacle has continued to report on my credit that it is a zero balance, but that the accounts are in DISPUTE. I have contacted them via phone and in writing, and told them it 's not in dispute, but they will not fix it and I can not close on a home loan. The bank I am working with for my home loan has also tried helping us, but Pinnacle will not change the status to " no longer in dispute ''.
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Incorrect information on my report showing that i owe XXXX XXXX have reported incorrect information for several years..I have never had a XXXX account.i use XXXX. Please send me a contract showing that i had this service with my signed name. XXXX XXXX does not even service my area.It is illegal to incorrectly report items on a credit file.this needs to be corrected as i am buying a house.and i have never had XXXX XXXX account.If this is not removed i will have to seek legal action to compensate for my losses.
|
| 09/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is repeatedly charging me for the same debt that I have paid years ago. The current creditor is Pinnacle Credit Services , LLC. I have repeatedly asked them to stop recharging me for the same debt over and over again. The debt appeared on my credit report in 2007 after I paid the debt in full and it was settled. XXXX XXXX XXXX waits a year or two and then mails me the same debt and that it is in collections. This is clearly harassment and at this point I'm feeling threatened and extorted.
|
| 05/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit is trying to collect a debt payment ( and have reported it to the credit bureaus ) on a 2007 XXXX XXXX phone bill that is not mine. I have repeatedly asked Pinnacle to remove it from my credit reports, but they refuse. They also refuse to contact XXXX to verify the account. I have contacted XXXX. They do not have any records of an account in my name.
I have been working with my state 's Consumer Protection Office and the Attorney General 's Office. Pinnacle still refuses to cooperate.
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXXXXXX XXXX XXXX and pinnacle Crdits service has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results XXXX has also confirmed that debt that was in fact under a different social but and this bill that they are reporting is not mines please delete all inaccurate information of my account
|
| 12/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have disputed this after I disputed it the account was transferred to another collection company. I did not order this phone I did not give my permission for anyone to use my information to buy a phone. They can not provide me with my signature or ID used to get this phone! I would like this to be removed from my credit report since it can not be proven it was mine. I think my ex husband had it but I can not prove it. I also think they have messed with the dates I was told this was in 2009.
|
| 07/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
Pinnacle Credit Service, collecting a debt in behalf of XXXX XXXX, has reported to XXXX credit bureau 's erroneous information specifically altering dates to convert a zombie debt into a valid debt, and continuously harassing me including hiring a Fake Law Firm and Lawyer XXXX XXXX of " XXXX '' and a XXXX collection agency " XXXX '' to collect this alleged debt.
I have copies of all certified letters send to all this companies and individuals who have conspired to commit this fraudulent act.
|
| 02/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Never been previously contacted by Pinnacle Credit services. Received a XXXX discharge of debt. Both XXXX and a call to them state that this is a XXXX XXXX XXXX Debt. They have refused to provide any backup. In fact, they say they have no back-up. XXXX has no record of any debt in my name or under my SSN number. By filing a XXXX, I now owe taxes on forgiveness of a debt that I do n't think they have and that they can not verify. They have refused to withdraw the XXXX which I have requested.
|
| 03/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.
|
| 10/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
The debt owner is Pinnacle Credit Services L.L.C. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but Pinnacle just sends a new collector later. The last one closed their case and said they would inform Pinnacle after you contacted them Now Pinnacle is using XXXX XXXX XXXX in another attempt to collect on a debt they have been informed is no longer owed.
l.
l.
C.
|
| 07/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In this case, XXXX Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said XXXX XXXX {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
|
| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Pinnacle credit Services LLC along with XXXX XXXX XXXX XXXX XXXX has repeatedly Try to collect on a A unknown XXXX XXXX account apparently from 2011 with a balance of {$1100.00} They've sent me paperwork they call me that you email me when I call them back they seem to be like a bogus company At least have a very poor phone system I was made aware of a XXXX account close to 5 years ago or so and I just speeded it and it was wiped awipe the way to the best of my knowledge I believe
|
| 10/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In this case, Pinnacle Credit Services ( XXXX XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said telecom giant {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Over 45 days ago I sent a certified letter to Pinnacle Recovery requesting Validation of an alleged debt they are reporting to the credit bureaus. I asked for proof I owed the debt and proof they were the current owner or proof they are authorized to collect the debt. I also asked for their Texas collection license and bond information which they are required to give me under the Texas Finance Code. They have not responded and are continuing to report me to the credit bureaus.
|
| 02/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX, XXXX I sent Pinnacle Credit Services a certified letter asking for them to provide validity of debt. I have not heard anything back from them ever. I then on XXXX XXXX, XXXX sent a no response letter and XXXX XXXX, XXXX final no response letter. They have disregarded the laws put in place by the Fair Credit Reporting Act. This account should be removed from my credit report at this time. The debt has not been proven to be valid. his has been very time consuming.
|
| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
|
| 03/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XXXX XXXX 2014 I came to an agreement with XXXX with XXXX XXXX to pay a total of {$900.00} at {$50.00} a month. Agreement number XXXX. By XXXX XXXX that debt had been sold to Pinnacle Credit Services, who placed it with XXXX and XXXX. XXXX and XXXX has drafted {$50.00} out of our account every month since. Pinnacle placed something on our credit report. Today when I called to verify the balance, I was told there was no payment agreement and the balance was {$720.00}!
|
| 04/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The last correspondence I sent Pinnacle dated XX/XX/2014 ( see attached ) pertained to a demand for validation, which they ignored and failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. I sent this company another demand letter dated XX/XX/2014 ( see attached ) which they ignored again. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted Pinnacle to resolve a past due debt. The original debt is from a XXXX bill of {$500.00} from XX/XX/XXXX. I tried to arrange a pay for delete but Pinnacle informed me they do not offer a pay for delete option. They are reporting that the debt is from XX/XX/XXXX. The woman on the phone indicated this is when Pinnacle purchased the debt, not when it was originally first delinquent. This debt has been re-aged and should be removed from my credit reports.
|
| 05/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked them for a signed contract that was signed by me they just send a copy of old bills I have never had XXXX and only have had att think someone opened it in my name but they will not send a signed contract if they do not have a signed contract they need to remove they have over XXXX of complaints online from being a third party debt collector and all the fans answers was removed from XXXX XXXX times now and they keep putting it back on shady company
|
| 08/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I found a bill for Pinnacle on my Credit Bureau. I contacted Pinnacle with no response. I disputed with the collection agency, who state they verified the debt. I then contacted the original creditor with all of the information on my credit bureau report and was told that they do not have any information on me! A debt validation letter was sent on XXXX/XXXX/2015 with no response as of today, it has been XXXX days with no response and it is STILL on my report!
|
| 04/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
i was never giving notice that the debt was in collection, until i pulled my credit and when i did i seen it and i also seen that they ran my credit twice..they are not allowed to run my credit twice, i called and asked why it was ran twice and the male asked me if i was in washington state told him i was and he said that he wasnt licensed to work in washington and i asked then why was it sent there and why my credit was ran twice and he refused to answer.
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have sent this company police reports, FTC affidavit, I have called them repeatedly and they never fix the problem. I have been talk to you rudely, I have been hung up on, I have been told it is never going to come off my credit report unless I pay. I've been called a liar. This company is ruining my credit and they need to remove what they have on my credit report because it is identity theft and I have proven it to them time and time again
|
| 11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.
|
| 06/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle continue to report this account on my XXXX and XXXX reports after this was resolved with the original creditor. I 've called the company was hung up on by XXXX and XXXX. I was switched to a XXXX and a XXXX law, a man answered the phone and sounded very tired and saidthis was resolved over a XXXX ago and said hhe 's not license for the state of ct. Pinnacle refused to help and delete this erogenous information from my credit file.
|
| 08/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account PINNACLE CREDIT SERV XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PINNACLE CREDIT SERV was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 01/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have filed a dispute due to the inaccurate information on my credit report as reported by Pinnacle Credit Services. I never received a response back concerning the account. The item listed by Pinnacle has missing information such as the proper open account date. The OPEN DATE is in direct conflict with the Date of last activity. This account is in error and should be removed from all XXXX credit bureaus. The account number is XXXX.
|
| 08/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I filed a fraud dispute several times with XXXX Credit agency. I called at XXXX XXXX XXXX XXXX 2016, I sent them a police report a dispute letter stating fraud XXXX time in 3 months, I have spoken to them several times about wrong names listed on credit report andd the company Pinnical Credit Services which the fraud dispute was filed. My conversation today was nothing has been filed, disputed and names had to be disputed once again
|
| 05/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed the inaccurate reporting of Pinnacle Credit Services LLC several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. Pinnacle is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX and XXXX Pinnacle Credit Services LLC. The investigation into this inaccurate account has been less than adequate.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent several certified letters to XXXX , XXXX and XXXX demanding that this item be deleted. XXXX deleted the item and should have reported the results to XXXX as well as XXXX . All credit bureaus except for XXXX are still reporting this item on my consumer credit report. Dates : XX/XX/2014 Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
|
| 04/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you
|
| 03/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
|
| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has taken an account, that can not be verified as mine, and submitted it to the credit bureaus as a credit line. This is from a XXXX Cell phone, not a revolving credit. Every month, they are updating this account, which is preventing my credit score to be increased as it should. It is also making it very difficult to purchase a home since they placed this account as a revolving debt, it has increased my DTI.
|
| 02/03/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Hello, Pinnacle indicated that they have purchased this collection note from another agency. I have requested verification of the debt from Pinnacle and they have failed to provide any verification, or direct contact name and phone number of who can verify the collection information.
Pinnacle continues to report this to consumer bureaus in error and also note that the disputes have been resolved, which they have not.
|
| 02/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX and Pinnacle credit are trying to collect a debt that I do not owe. I had service with XXXX for less than 10 days and returned the phone and cancelled service after realizing they did not provide service in my hometown. They have been trying to collect {$530.00} from me ever since. I have provided the contract and other documentation proving I do not owe this MULTIPLE times to all XXXX credit bureaus and to XXXX.
|
| 12/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at XXXX and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies?
|
| 07/16/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Pinnacle Credit Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Violated the FDCPA by placing an account with XXXX XXXX into collections status with all XXXX credit bureaus without validating the debt of alleged XXXX with XXXX XXXX using XXXX and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX letter dated XXXX XXXX, 2015 was sent to both party 's requesting validation of this debt which was not responded to.
|
| 11/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
PINNACLE CREDIT SERVICE keeps on harassing me and threatening me for debt I do n't owe they claim I opened a XXXX cell phone I never had a XXXX Cell Phone its impossible I have lived in XXXX at that time I have been XXXX since XX/XX/XXXX till XX/XX/XXXX please have them stop calling me and harassing me and discontinue all collections and remove the collections from credit report they have the wrong person.
|
| 08/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am filing this complaint against Pinnacle Credit Services , LLC. This is the first letter I have ever received stating I owe XXXX ( South Dakota ), XXXX {$27000.00}. I have never received a loan of any sort from XXXX. I do not know what it is for, unless it is security fraud. Please check into this for me, because I am not sure what it is about. The reference no. is XXXX, and there phone number is XXXX.
|
| 07/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Reporting inaccurate data on my credit report. A XXXX account is showing up on my report with this company listed as the collection agency, I 've requested debt validation and they refuse to send any validation. This account is not mine, instead they keep renewing the date to show as a new debt and never send me validation of the debt. A police report was filed and sent to them and still nothing was done.
|
| 08/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never used the service, but somehow charged on my credit report. ( {$530.00} ) and now even though it is saying " Account information disputed by consumer, meets FCRA requirements '' I 've attempted to request for removal several times. It is still reported on my credit report. Frustrating as I do n't have any documents started with. If I used the service I will have the document, but I do not have one
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have repeatedly sent Pinnacle Credit Services a debt validation letter in which they have ignored. I do not believe this debt is mine. After Pinnacle ignored my request, I then sent a complaint to the XXXX. The XXXX informed me that they too, had tried to make contact with Pinnacle and after several attempts, their request went unanswered as well. I am now contacting FCPB to help me get this resolved.
|
| 11/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted XXXX and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next.
|
| 11/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law.
|
| 05/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Debt collector will not send me a signed contract when I ask they go around it also added it back to XXXX after they found not not enough to prove its mine XXXX time filing complaint same answer from company next step to sue under fair credit act failed to supply appropriate documents and harassment and for adding back to XXXX after removed by them XXXX for not having enough proof account is not mine
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original creditor of my debt is XXXX XXXX in the amount of {$360.00}. This debt is delinquent since XX/XX/XXXX in which it had gone into collections. Moreover, Pinnacle Credit Services which is a debt buyer bought this debt XX/XX/XXXX. Furthermore, on my credit report it states debt was opened XX/XX/XXXX which is false information and is called parking an old debt and violates FCRA guidelines.
|
| 02/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter from XXXX XXXX XXXX stating that owed {$3000.00} to Pinnacle Credit Services , LLC and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or Pinnacle Credit Services. I wrote a letter to XXXX XXXX XXXX disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
|
| 03/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collection notice out of the blue on XX/XX/XXXX. The letter is from XXXX on behalf of pinnacle credit services attempting to collect a debt for a XXXX XXXX account opened in XXXX. The letter states I owe {$1000.00}. I do not owe this amount. The account is out of the statute of limitations to collect which the letter states so I'm am not sure why this company is contacting me now.
|
| 10/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files.
PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX REPORT
|
| 10/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Was sent a letter on XX/XX/2019 by XXXX XXXX XXXX, stating that I owed this debt with Pinnacle Credit Services , LLC. This is at least the second company pinnacle has sent this debt to for collection that I do not owe. I have disputed it previously on XX/XX/2019 with XXXX XXXX XXXX for the same debt with Pinnacle. Everytime I dispute it they just transfer it to another company to harass me.
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX ( Pinnacle Credit Services LLC ) Sent me a letter dated XXXX/XXXX/2016 Stating " The law limits how long you can be sued on a debt. Because of the age of your debt, Pinnacle Credit Services LLC, will not sue you for it, and Pinnacle Credit Services LLC will not report it to any credit reporting agency. However this alleged debt is still being reported on my credit report
|
| 04/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I am receiving statements for a phone company which is not mine. This bill is in a state which I have never lived in. I have never had an account with this company. I have lived in Arkansas for the past forty years. I have tried numerous times to get this account removed from my credit report but all attempts have been unsuccessful. This debt is having a negative effect on my credit scores.
|
| 01/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full.
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Pinnacle Credit Service at XXXX XXXX XXXX XXXX MN XXXX harassed me for month after month to collect a debt which they could not legitimately verify, now after paying so called debt in full they refuse to send me a receipt that I paid it. I have the money order receipt to prove that I did indeed pay it, it is XXXX XXXX. I demand that they send me a XXXX balance receipt. Please help.
|
| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices.
|
| 08/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
The company never send me a final bill but instead disclose and send my account to a collection agency without my knowledge. I received collection calls all days with strange number and when I answer them I get treated and intimidation. I do not know the collection agency who calls and most of the time am at work because I work second shift and always calls during this hours.
|
| 02/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have XXXX collections from Pinnacle Credit services on all XXXX credit agencies.
I have attempted since XXXX to get proof from Pinnacle that the debt is mine.
They will not communicate with me but they keep validating it with the Credit Agencies.
I have a perfect credit report but this is affecting me and my ability to grow my biz.
Please help.
Thank you, XXXX XXXX
|
| 10/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX continue to charge enormous charges on an old account that I had with them in 2010. I am also apart of a class-action law suit against them for overcharging consumers. the company has XXXX different account on my credit report that is affecting my credit and damaging my credibility. Every time I check my credit report there are increasing charges add to my account.
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.
|
| 02/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
This company Pinnacle keeps reporting a debt collection attempt which is beyond the statute of limitations for the state of Massachusetts. This original debt date is 2006. It was removed from my credit history on XXXX and then put back on as a new debt XXXX. I have never heard from or spoken to this firm, yet I can see the information on my past credit history reports.why?
|
| 05/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Today, when I called Pinnacle Credit Services, they do not want to talk about the debt, but they transfer me to a new collection agency company.
When I call XXXX, their answer is simple : " XXXX '' has no more your account, and your account is closed, if you have any questions, call the Pinnacle Credit Services. And so every day, the problem is just running in circles
|
| 08/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.
|
| 03/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
i received a collection notice from XXXX and it is not my debt.
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check.
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.
|
| 05/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I paid my XXXX bills always on time and closed the account in good standings and even verified that with a XXXX rep. I was sent to some collections agency and never told why. I have my last bill and even proved to them I do not owe this debt. They have been unresponsive to both myself and the lawyers I hired. They will not stop reporting this and it 's hurting me.
|
| 03/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX, I REC'VD A XXXX FROM PINNACLE CREDIT SERVICES OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, XXXX XXXX XXXX WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT PINNACLE WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Client had an account with XXXX XXXX. After receiving a free government phone, she added another line to the service, but when the fees turned out to be astronomical she cut off the services. She made as many payments as possible but the balance never went down. Now she owes a large sum of money to a collection company. That company has not validated the debt.
|
| 01/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.
|
| 04/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 01/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
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.
|
| 08/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I believe Pinnacle Financial Services has re-aged an old collection, and has updated the " original default date '' to less than 2 years ago. I have not been in contact with Pinnacle Financial Services, have not claimed responsibility for this debt, and do not believe I should be responsible, but the debt has still been re-aged without notifying me.
|
| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Pinnacle Credit Services is attempting to collect a debt to which I do not owe. The original creditor is XXXX XXXX and I was recently notified that I was illegally billed by XXXX for services that I did not receive. XXXX was recently sued by the FCC and CFPB concerning their illegal billing practices. The results can be seen here : https : XXXX
|
| 06/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services.
|
| 04/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
PINNACLE CREDIT SERVICES, This collection company contacted me and reported to the credit reporting agencies without a collection License in the State of XXXX?? I Got on the state of XXXX web siteand they were not licensed in XXXX. Therefor I contacted the state of XXXX. I want all collections from this company removed off my credit reports.
|
| 12/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Pinnacle Credit Services removed a collections account from my credit report, they then reinserted it into my report WITHOUT sending me any notification whatsoever. I have asked that the company provide me with some sort of original document or final bill to validate the debt, the amount of last payment and they have not attempted to do so.
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I filed a complaint against Pinnacle Credit Services complaint # XXXX about 2 weeks ago, and this complaint has yet to be satisfied or resolved. This company is having difficulty providing accurate information on this debt., and have not been able to locate the debt by my NAME. Waiting more than the time which was allowed, is unacceptable.
|
| 10/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information.
|
| 07/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I already filed a complaint against the issuer XXXX XXXX XXXX. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
|
| 09/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response.
|
| 09/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I received a call from Pinnacle debt services asking me to call their phone number at XXXX from XXXX, Florida I do not know who these people are and do not owe money to anyone. My credit rating is very high. No money issues. The message said I must call them back immediately, which I did not and wo n't How do I stop them from calling?
|
| 04/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX is attempting to collect on a debt from the original creditor XXXX XXXX. I never signed for up for XXXX XXXX in my name. XXXX XXXX has been collecting for such a long time, that I went ahead and added this to my Bankruptcy, docket # XXXX. They are reporting a balance, and that is in violation of the Bankruptcy law and FCRA.
|
| 03/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Account listed was a fraudulent account opened in my name by my ex husband. I paid the account in an attempt to remove it because I thought it would be the quickest way to resolve the matter. Since that time I have repeatedly asked them to remove the information and they continue to deem my communication letters to them as frivolous.
|
| 12/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered.
The settlement via there XXXX party total card services was $ XXXX was paid
|
| 11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The daye of the debt they said originally opened in XX/XX/XXXX which is not true, it opened in XX/XX/XXXX. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old debt.
|
| 10/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off.
XXXX XXXX XXXX
|
| 05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
In XXXX, I opened an count with XXXX XXXX. The account was closed in XXXX with a past due amount. At some point the account transferred to collections with an open date of XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.
|
| 02/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Thy put this on my credit XX/XX/XXXX after I sent then proof of this being paid. It was paid XX/XX/XXXX, cancel order XXXX, XXXX was told to discontinue service. At location XXXX XXXX XXXX XXXX XXXX Az XXXX, XXXX said thy ca n't delete the account per federal law. I request the account to be deleted and Pinnacle refused.
|
| 03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The debt in question is over 14 yrs. Old and belonged to my wife. She is deceased. Pennacle c/o has been placing this information between my and her credit for over 12 yrs. The amount is for {$640.00} was supposedly owed to XXXX XXXX. They falsely represented their product which is what caused the debt to be incurred.
|
| 07/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Several attempts were made by me to request Validation of debt on account reported on my credit report by Pinnacle Credit Services. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. There is a required 30 day response time which has not been met.
|
| 06/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have made several attempts to get the debt collection agency to validate the alleged debt upon proof claim via of bona fide documentation. They have remained tacit in this regard and have never responded to any correspondence sent to them and have violated several parts of the Fair Debt Collections Practices Act.
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt
|
| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I settled this account in full for pinnacle credit services through XXXX financial corp on XXXX/XXXX/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated
|
| 09/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.
|
| 02/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please thank you
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received the attached letter on XX/XX/2020 from the said company ( XXXX XXXX XXXX ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as Pinnacle Credit Services , LLC.
|
| 10/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill
|
| 04/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
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.
|
| 08/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
this debt was included in my chapter XXXX case in XXXX, after my case was completed in XXXX XXXX decided to turn this account over to a collection agent in the amount of XXXX it is listed on my credit report status as in collection, I have called XXXX XXXX on numerous time about this account no result.
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
My owing {$200.00} to Pinnacle Credit Services showed up on my credit. IT WAS N'T MY BILL. Pinnacle told me that getting it removed would be shorter if I paid it. After I paid the bill they refused to remove it from my credit report. SO now I 'm out {$200.00} and still have a negative on my report.
|
| 05/21/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Called them after the XXXX time fighting with them threw you guys this time they told me it is against the law not to pay them and they would not stop fighting me on it they will not provide me any written signed contract by me and also keep adding it back on XXXX after they have taken it off
|
| 02/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.
|
| 09/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have sent 2 communications by mail to this company requesting that following the standards of the law and my rights that they provide me proof of my signature validating that I owe this alleged debt. I have waited over 60 days and they have refused to respond with proof this debt is mine.
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 a certified letter was sent to XXXX XXXX C/O XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX asking if they could validate this debt that they said I owed. I also contacted XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX in trying to have this matter resolved but no answer
|
| 08/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Company posted a XXXX derogatory comment on my credit report. I have tried resolving this for three years. The company will not respond so that it can be resolved. The only time actual communication occurred was on the phone and they wanted me to give them my credit card information.
|
| 04/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a collection/charge-off listed on my credit report of {$40.00} to Pinnacle Credit Service, LLC. I 'm not disputing that I owe the money, but I ca n't get any information from XXXX on what the debt is for or even how to pay it. I have emailed and left voicemail with no reply.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX Account name holder is XXXX XXXX And the debtor is XXXX bank pursuant to 18 USC 8 I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 XXXX company has also no permission to put anything using my info pursuant to 15 USC 1681 4.
|
| 07/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
PINNACLE CREDIT SERVICESXXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( collection for XXXX XXXX XXXX ) Has been reporting a collection balance of $ XXXXThis account is included in a Chapter XXXX Bankruptcy and has been discharged.
Pinnacle Credit continues to report the account as UNPAID
|
| 06/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have submitted Request for Verification of this debt via Certified Mail Return Receipt, which was signed by XXXX XXXX on XXXX/XXXX/2016, I have not received any correspondence from as of this date, I do not recognize this debt and am trying to fix errors on my credit report.
|
| 06/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
Called me at XXXX at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime
|
| 08/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
I hired a company to clear false information in my credit report. I received this letter from XXXX representing Pinnacle Credit Services , LLC. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
|
| 05/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason
|
| 07/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Pinnacle LLC has a XXXX XXXX bill on my credit report. I have never had a XXXX account. # XXXX. {$530.00}. Sent them certified return receipt letter, asking them to verify it belonged to me with no response. Then sent 10 day letter asking the same with no response again.
|
| 12/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a debt on my account for a collection agency that i do not recognize, also getting phone calls for collection agency asking me to paid a debt who does n't belong to me. I am on the Do Not Call List and getting calls constantly from XXXX numbers I do not recognize.
|
| 04/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have made several Attempts to contact Pinnacle Credit Services at XXXX and XXXX and XXXX time i get hung up on, XXXX time was this morning and the lady stated she could NOT pull up any records. I have included an attachment of what i want from Pinnacle Credit Services
|
| 05/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
PINNACLE CREDIT SERVICES # XXXX I found a unverified account on my credit report. I was incarcerated at the time this account was open so it has to been some type of fraud. This is not my account. I have proof that I was in jail during the time this account was opened.
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Between XXXX XXXX , 2017 and XXXX XXXX , 2017 I discover ed Pinnacle Credit Services reinserted account # XXXX in my credit file. XXXX is required to notify me within 5 days of reinserting a previous deleted item. I did NOT receive any notification.
|
| 05/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested verification of debt from this company and they will not provide it to me. It says that I opened this XXXX XXXX account XXXX/XXXX/14 and I have proof I was with XXXX at that time! This debt is not mine and I want proof of when this account was opened.
|
| 05/28/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Pinnacle told me to not fight this anymore cause they day account is mine I have asked them to send assigned contract to prove its mine same response every time they have over XXXX compliant online needs to have something done about it they threatened me when I called
|
| 06/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Debt collector continues to contact me for my ex-wife 's debts. I have told them several times over the phone that we have not been married for 10 years and to stop contacting me. Now they are emailing me about those same debts that they have been told are not mine.
|
| 08/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXXThey claim i owe {$330.00} when XXXX needed to replace a product due to the 3G product failing and only a 4G product could replace it.
Its costing me XXXX per month in my home loan due to this issue.
Many others experiencing the same issue : XXXXXXXX : XXXX
|
| 08/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.
|
| 08/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was denied credit so I pulled my credit report. I found a collection account had been placed on my credit report that I have no knowledge of. I was never notified before it was placed into collections. This is a violation of the Fair Credit Reporting Act.
|
| 01/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt thats been showing on my credit reports for a couple years now. The original account appears to be utility services through XXXX in which I have never had service. I believe this may be a result of an identity theft that I wish to address.
|
| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been attempting to pay this debt for years. Every time I spoke with XXXX XXXX they could never find me having any sort of debt or collections. Finally about 2 months ago was contacted by a collection service for this debt and it was paid in full.
|
| 08/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.
|
| 05/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XXXX. This is a flagrant violation of the FDCPA.
|
| 09/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This debt is not mine, furthermore I was not notified or sent a notice that this debt was going to affect my credit score. No notice of an attempt to collect a debt was sent or an option to dispute the debt was given. This debt is identity theft.
|
| 02/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
forced disconnect of phone/ip line from XXXX has been force collecting since, thru ch XXXX keep reselling the debt and re age the account. refuses to work with XXXX. XXXX refuses to take action and keeps dropping my claims for XXXX reasons.
|
| 06/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
m concern that my recent review of my credit report have items that I did not do nor charged .This have prevented me from future endeavors.I appreciated your time in looking into my issue and concern in a speedy way, Thank You in Advance,
|
| 09/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.
|
| 02/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Pinnacle Credit services has no right to contact me they were never licensed in the State of Maine to Collect or contact anyone. They put on my XXXX XXXX Credit Report XXXX wireless!!!! I have written proof through the State of Maine
|
| 11/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
They did not respond to either XXXX of the XXXX validation letters that I sent. The first XXXX was sent XX/XX/XXXX and the second one was dated XX/XX/XXXX. They have not responded in the allotted time to the debt validation request.
|
| 02/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Only received an 2015 IRS Form XXXX from Pinnacle Credit Services , LLC for XXXX for {$670.00}, ( Line XXXX ) date of debt discharged XXXX/XXXX/2015. This is the first and only correspondence.
The XXXX was addressed to " XXXX ''.
|
| 07/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this " debt '', instead choosing to be rude and condescending.
|
| 01/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Pinnacle purchased a debt from XXXX. They repeatedly change the Date of 1st delinquency and the date opened/closed I have copies of my credit report to prove the XXXX companies continue to change the date of 1st delinquency.
|
| 04/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Please see attached narrative regarding complaint. Collection agency took illegal steps and filed a XXXX against me with the XXXX. ( Narrative and complaint filed by XXXX advocate on behalf of the individual named herein. )
|
| 06/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.
|
| 05/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
The debt was from 2007 and they continue to put it on mt credit report. I have disputed this many times and they will not remove it. This is in violation of the law. 7 years maximum. It has been there for XXXX years now
|
| 03/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
After mutiple calls from pinnacle credit after i advised them to stop they still kept calling. I was advised once that the debt was paid this would be removed from my credit report. They have ignored my XXXX complaints.
|
| 06/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
|
| 03/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I got a letter in the mail started that I have an outstanding balance for XXXX XXXX in the amount of {$3800.00} that I do n't even know about, I currently have an account with XXXX XXXX at this time in good stand
|
| 06/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pinnacle Credit Service is attempting to collect a debt from me of XXXX and XXXX and I never establish a contract with this company. And they are reporting negative items on both my XXXX and XXXX credit reports.
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Tried to call multiple times, unable to get through. Debt is not in mine nor husbands name. Debtors name is similar but not my husbands and address does not match our home address therefore, debt is not ours.
|
| 04/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Pinnacle Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 09/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX/ Pinnacle Credit Services is attempting to collect on a debt that I do not owe. I never received the service for which I am being charged. XXXX XXXX was not even allowed in my area at the time.
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had just receive this bill in the mail today. I've no ideal about this bill ... Original Creditor XXXX XXXX The owner of the account Pinnacle Credit Services , LLC Reference ID XXXX Amount {$730.00}
|
| 02/04/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
Pinnacle Credit Services collected {$100.00} from me on a XXXX account in 2013.
There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed.
|
| 07/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received one missed call with a voice mail from XXXX XXXX XXXX and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed
|
| 10/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork.
|
| 12/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Pinnacle Credit Services , LLC has XXXX Open Collection accounts for a XXXX XXXX account that shows {$0.00} balance. I would like this removed from XXXX and therefore, my credit report.
|
| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I 've sent XXXX and Pinnacle Credit Services ( collection agency for XXXX ) numerous letters to send me proof that I owe such a large amount. I am yet to hear back from either company.
|
| 10/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION XXXX XXXX XXXX XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
|
| 03/08/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
Pinnacle Credit Services , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX mailed me a fraudulent XXXX Tax Document which is bogus as I have never contracted with this company.
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This is a XXXX debt that is being handled by Pinnacle Credit Service but also being sought on by XXXX XXXX XXXX. The credit bureaus are reporting what is being sent to them monthly.
|
| 06/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have an account in collections from XXXX that is being handled by Pinnacle Credit Services. The balance has ballooned from just over {$50000.00} to {$110000.00}, more than double.
|
| 08/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.
|
| 02/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me.
|
| 04/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
It was explianed that I have open up an account witt his company and have had my phone sevices with another company for over 15 years. I feel this is a result from identity theft.
|
| 02/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters.
|
| 06/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I drafted a debt validation letter to Pinnacle Services and they failed to respond to my request for validation. I know they received the letter because I certified it.
|
| 08/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT.
I DO NOT OWE THIS DEBT.
|
| 04/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
XXXX illegally charged me overage charges even though I never went over the limit. I disputed it with XXXX at the time but later they sold or gave it to Pinnacle XXXX.
|
| 10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Cell phone account with XXXX XXXX was opened fraudulently in XXXX amount claimed is XXXX. Dispute was completed thru transition and deleted but not removed from XXXX.
|
| 03/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Pinnacle Credit Services LLC is attempting to collect a debt that was settled over 2 years ago. they continue to call me at work even after I have asked them to stop.
|
| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have been on another account since XX/XX/XXXX and would like to know where this overdue amount came from. I have not had a XXXX account in my name since XX/XX/XXXX.
|
| 07/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I ordered my credit report and this account appeared on my credit report. this account does not belong to me Please remove I have contacted the creditors directly.
|
| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}
|
| 01/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Refusing to verify debt, and refusing to verify identity of debt collection company. Sent insulting communication back to my attempts to correct their records.
|
| 02/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Someone got my information when I was a child and open an account with XXXX at the time I was a child and knows nothing about this until I received this mail
|
| 04/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am disputing the agency pinnacle / XXXX XXXX. The collection agency has re-aged my account according to the original creditors date of first delinquency.
|
| 05/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
was denied credit and pulled a report, company did not make information available to me before reporting to my credit report. This is an unfair practice.
|
| 02/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was paid back in 2011 for a version bill that was paid way before it went to a debt collection agency. I want it removed off my credit report.
|
| 06/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
company reaged account and refuses to ive any informaion on account. original credit XXXX has already been removed from the 7 year reporting guidelines
|
| 12/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have no knowledge of this creditor or debt. It is reporting as an open account to the credit bureaus and is negatively affecting my credit profile.
|
| 05/20/2015 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
The Law in the State of Maine States a collection company can not report info or contact me without a collection license in the State of Maine???
|
| 06/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Company has made no attempt to contact me to collect this debt. Improper dates recorded on my credit report as well as past payment history.
|
| 07/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I settled this debt and payed in full 2 months ago. I have bank records proving I settled and payed this debt in full on XXXX/XXXX/2016 ...
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent a certified letter to them requesting that they validate this debt because it does not belong to me and they did not respond to me
|
| 01/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The Pinnacle Credit Service, LLC sent me the debt collection of the phone company name XXXX the phone company I never use or deal with
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am disputing a debt with XXXX XXXX. I sent them a debt validation letter on XXXX XXXX, 2015. They ignored my request for validation.
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX was included in bk XXXX XXXX of virginia inreturn XXXX has transferred account to collection agency bk was discharged on XXXX
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 Sent a letter to validate the debt and to cease collections of the debt as it is outside the time frame to collect.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
LOT OF CREDIT IS OLD.I want them off my credit now. lot of the credit is not true. I want to take it off my credit report now.
|
| 11/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Payment demanded by XXXX for a debt with XXXX on behalf of Pinnacle Credit Services.
I've never had an account with XXXX.
|
| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt has been settled for over a year now. Pinnacle Credit XXXX -- an old XXXX bill that I did not owe, yet I paid it.
|
| 06/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent a debt validation letter to Pinnacle Credit Services on XXXX/XXXX/2015 and they ignored my request for validation.
|
| 03/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was already to XXXX and account was satisfied by company paid XXXX has bought old credit report from third party.
|
| 06/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit.
|
| 07/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe I do not owe this i have been writing for years asking for proof and to remove from my credit reports.
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have disputed this debt and asked for verification of my responsibility for the account but never received it.
|
| 01/24/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Asked for the amount to the debt to be validated. I did n't receive anything from them in the required 30 days.
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account should be off of my credit. I payed the collection agency and we agreed to remove the account.
|
| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Unknown XXXX account stating I owe {$540.00} I requested proof and disputed noting received. Please help
|
| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA.
|
| 02/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The Collection Agency has no right to contact me. They are not licensees of the State of Maine.
|
| 11/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was offered a settlement and paid it. Debt remains marked as open and owed on credit report.
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company is harassing me and trying to force me to pay a old debt that has been paid off
|
| 02/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
My insurance company already paid this bill but for some reason it 's still on my report
|
| 09/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
it 's a phone bill with XXXX opened about 6 yrs ago, it 's still on my credit report
|
| 05/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Continued attempts to collect a debt from id theft and negative credit reporting
|
| 01/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Company could not provide me with verification or detailed billing statement.
|
| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Fraud account open with XXXX XXXX explained this but it was not fixed
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is a fraudulent account and it 's keep coming back as accurate
|
| 04/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
it was n't opened by me and they still have it on my credit report
|
| 11/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I do n't no who did this the amount is {$960.00} its not mine
|
| 11/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This bill was pay by tri care when I was XXXX XXXX XXXX XXXX
|
| 04/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The date of the debt for first delinquency is not correct.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Put bill on my credit without any type of notification
|
| 04/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Never received communication from this debt collector.
|
| 06/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Never received any information on this supposed debt.
|
| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
PIN CRED SERXXXX XXXX 2013Closed {$820.00}
|
| 07/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Not familiar whit this account
|
| 08/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
|
| 04/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 07/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
|
| 06/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 09/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/11/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 10/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/04/2017 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 07/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American |
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Phone |
Older American |
|
|
| 01/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 01/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 10/20/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 10/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 10/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 10/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Fax |
|
|
|
| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
Older American |
|
|
| 09/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 09/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 08/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Older American |
|
|
| 08/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 08/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 07/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Referral |
|
|
|
| 07/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 06/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 06/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 06/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 06/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 06/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 05/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 05/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 05/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Fax |
|
|
|
| 05/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/16/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/14/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 04/11/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 04/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 04/08/2016 |
Yes |
|
- Credit reporting company's investigation
- No notice of investigation status/result
|
|
Web |
|
|
|
| 04/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
|
| 04/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
Servicemember |
|
|
| 03/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 03/28/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 03/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/25/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Referral |
|
|
|
| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 03/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
Older American |
|
|
| 03/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 03/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 03/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 02/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 02/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/28/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 01/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 01/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
Servicemember |
|
|
| 01/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 01/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/29/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 12/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 09/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 08/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Referral |
|
|
|
| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 08/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 07/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/06/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 06/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 06/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
Older American |
|
|
| 06/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 04/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 04/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 04/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 03/12/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/23/2015 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 02/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 02/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Referral |
|
|
|
| 02/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 01/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 01/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 01/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/04/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/18/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/12/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 12/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 11/19/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 11/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 10/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 10/17/2014 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Referral |
|
|
|
| 10/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Referral |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/29/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/28/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 09/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 09/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
|
| 09/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/03/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 08/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American, Servicemember |
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 08/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 08/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 07/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 07/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 07/14/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 07/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 07/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 07/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/26/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 06/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 06/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 06/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/14/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 06/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/10/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 06/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 05/15/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/08/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
|
| 04/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 04/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/05/2014 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/31/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 03/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 03/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/24/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Phone |
|
|
|
| 03/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 03/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/12/2014 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 03/04/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/22/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Servicemember |
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Postal mail |
|
|
|
| 02/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 02/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 02/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Phone |
|
|
|
| 01/19/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 01/16/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 01/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/31/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 12/13/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 12/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/03/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 11/18/2013 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
|
| 11/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/16/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
|
| 11/14/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/11/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/11/2013 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 11/09/2013 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/29/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
|
| 10/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/10/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/02/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/27/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 09/17/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 09/13/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 09/12/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/29/2013 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 08/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/19/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|