| 05/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX I received a Bankruptcy discharge. Included in that Bankruptcy discharge was an auto loan, financed by Pinnacle Finance Company. I must add to this that I purchased the vehicle for {$14000.00} in XXXX with a {$5000.00} down payment, yet no matter how much I paid over two years my balance continued to rise. The larger issue is that upon receiving my Bankruptcy discharge, I DID NOT REAFFIRM the auto loan with Pinnacle Finance. Further, I never directly agreed to any terms and conditions with Pinnacle Finance as it relates to their internal policies or terms and conditions ; as this loan was transferred to them after I purchased my vehicle.
Pinnacle Finance has not only acted unlawfully by ignoring my bankruptcy discharge and pursuing me for money I do not owe on the vehicle. They continue various forms of collection tactics, first and foremost by stating erroneous information regarding the status of the account on my credit bureau report. They insist I owe them monies when I DO NOT. The loan was discharged. Further, they are stating that the vehicle was repossessed and that is NOT FACTUAL. Last summer I contacted Pinnacle Finance and agreed to surrender the vehicle and asked them to please come and pick it up. Pinnacle neglected to pick up the vehicle until late XX/XX/XXXX.
Pinnacle finance is reporting erroneous information to the credit bureau agencies and I have made multiple contacts with them to stop. They refuse. I do not owe them any money and the car was NOT repossessed it was surrendered after being discharged from Bankruptcy.
They are breaking the law ; and they are not adhering to proper and lawful collection tactics. Their contact information is below : Address : XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX To contact me you may do so at : XXXX My home address is XXXX XXXX XXXX XXXX, MD XXXX My Phone number is XXXX FOR YOUR RECORDS I HAVE ATTACHED THE FOLLOWING : 1 - Bankruptcy Discharge 2 - Bankruptcy Final Decree 3 - CERTIFICATE OF NOTICE TO PINNACLE 4 - Schedule D showing secured property to include Pinnacle
|
| 04/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Pinnacle Financial is an auto loan account that was transferred from another company around XX/XX/XXXX.
Pinnacle Financial constantly calls me at work before, during or after due date of my payment.
Pinnacle Financial sends daily text messages ( without my permission ) to my phone to remind me of my payments, before, during or after I am late.
Pinnacle Financial contacts me several times per day.
Pinnacle Financial calls at odd hours of the day.
Pinnacle Financial sometimes contacts me even when my bill is current and up to date.
I contacted Pinnacle Financial to voice my concerns explaining that I was not happy with the frequent calls and text messages. The Customer Service Representative on XX/XX/XXXX refuse to allow me to speak with any supervisor to the point that I had to disconnect the call.I called Pinnacle Financial again the same day and spoke to with another customer service rep.The representative proceeded to say that I was avoiding calls from them and that I was irresponsible. Although I have a fairly satisfactory payment history with the company. To avoid speaking with me further she abruptly without notice transferred the call to someone else. A man came on the line yelling " XXXX . XXXX! ", I then disconnected the call. My prompt to call the company was that I just made a full months payment for the month of XXXX on XXXX that was only 2 days late. I had received an text message that I owe a new amount in one more day. I feel that the constants calls and text message are excessive. This has been occurring from the moment the account was transferred to Pinnacle Financial in XX/XX/XXXX but I have not yet complain until now from fear of retaliation. Pinnacle Financial is harassing me in the form of excessive phone calls and text messages. Please contact them regarding this matter.
|
| 03/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear I am writing in response to your letter dated.
( copy enclosed ) because I do not belleve I owe what you say I owe.
This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand 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.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I purchased a car in XX/XX/2014 XXXX XXXX during the time of purchase I found out the car was register to me and another person in New jersey. I never received the car title of this car. Its states on the car fax report that I never even had the vehicle. DMV states that the car was still registered to someone else in New jersey as well as the XXXX History report. at the time when I bought the car. I had the car for about a year I took it to the shop for repairs I was n't able to get the car out the shop so I car shop I guess sold the car I call to check on the car and the car was no longer their. Pinnacle Finance company is now trying to sue me for the car XXXX dollars explained to them I no longer have the vehicle and I do n't know where it is at this time I am finding out that the car was n't still registered in someone else name of the time I had the car never receive the title. Also the car history does n't even show that I had the car registered in md what can I do please me thanks.
|
| 07/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2017 my car loan was purchased by Pinnacle Financial. My car has a fail switch so my original contract doesn't contain any late fee amounts. I noticed that this company had been charging me late fees. I questioned it but they ignored my questions. They also have admitted taking payments out of my account illegally. Most recently I made several inquiries to obtain a print out of all payments and late fees collected from the account on file. They have blatantly ignored my many requests. The representative that was managing my account had tried to send me a screenshot but I needed something more professional on company letter head for my mortgage lender. I believe that this company is fraudlently charging me. I would like them to supply proof of what I have paid to date as well as proof that they now hold my loan and how many payments I have left. I would also like a refund of the late charges.
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I co-signed for an auto loan for my daughter whos is not paying. Pinnacle Financial Group call me up to 4 times every day. I spoke to my daughter a couple of months ago and we decided to surrender the car. The company advised us that they would send out a letter to fill out for voluntary surrender. the form never came. they kept calling me and i asked about the form. they said they would send out a new one and it never came. I do strongly believe they are lying to keep the interest going upas long as they can. just yesterday XX/XX/20 they pulled a credit inquiry on my credit report without my permission. I do not believe that is legal. they have every right to report late payments etc ... .but i do not believe they have a right to pull a credit inquiry without my permission. this has caused credit score to drop even further.
|
| 12/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer Pinnacle Financial Group is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They continuously communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID to help identify me.
|
| 02/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.
|
| 04/23/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.
|
| 05/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Well Hello, My daughter and I purchased a car in XX/XX/XXXX and it 's was financed through Pinnacle Financial Group where my Mother cosigned for me the car. So her and I were both on the car contract and it was not reported on my credit report as stated and promised. We have called Pinnacle Financial Group forever on many, many occasions and gotten the run around and also we call XXXX on several occasions and did a dispute and they stated they would investigate. To no evail. I have contacted Pinnacle and XXXX today XX/XX/XXXX again ... No Results
|
| 08/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I currently have two payments left and I was advised that there will be a {$180.00} additional amount due. It was a 39 month loan and I made 37 payments. All of the payments were on time. I was told that the charges were from older payments that were late. I replied that a payment was never sent late and it was an error. Also, I was advised by another supervisor there that the charges will be removed, but the woman I spoke to yesterday advised me that the individual was no longer employed there. This amount is fraudulently added to my balance.
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I bought my car last year from XXXX XXXX they got me financed thre XXXX XXXX then pinnacle group took over I tried to trade my car in they told I have to car loans showing up on my credit which im only suppose to paying for one I called pinnacle group they were very rude the told me my pay off had changed from what they told me yesterday.
|
| 04/23/2020 |
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 |
|
|
Reporting the incorrect amount. Falsey reporting Charged off. Please correct the balance or remove this. Please remove this due to statue of limitations being reached. Investigation has been tried 3 different times and the same results with nothing being changed.
|
| 01/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My name is XXXX I purchase my car threw XXXX XXXX last year then another company took over pinnacle financial group its showing up on my credit as two loans on my credit I have been having financial problems I called pinnacle they threatened harrss me on my job
|
| 03/06/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.
|
| 08/10/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
Over charging me for what the vechicl is actually worth
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 11/24/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/30/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 03/08/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/26/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|