PINNACLE FINANCIAL PARTNERS, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
12/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NC
  • 28270
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PINNACLE BNK & BAL. {$7100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/02/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 773XX
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PINNACLE BK bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/13/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • SC
  • 29412
Web
Pinnacle is posting unusual and varied principle vs escrow payments suddenly after years of having the loan 018 Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$160.00} {$1000.00} {$390.00} {$120000.00} XX/XX/XXXX corrected pmt Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$370.00} {$830.00} {$390.00} {$120000.00} XX/XX/XXXX Decrease escrow balance 1 - {$810.00} {$120000.00} XX/XX/XXXX Decrease escrow balance 1 - {$3800.00} {$120000.00} XX/XX/XXXX POSTING ERROR LN INSTEAD OF DDA - {$400.00} {$120000.00} XX/XX/XXXX POSTING ERROR LN INSTEAD OF DDA - {$1000.00} {$120000.00} XX/XX/XXXX POSTING ERROR LN INSTEAD OF DDA - {$550.00} {$120000.00} XX/XX/XXXX POSTING ERROR LN INSTEAD OF DDA - {$640.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$1100.00} {$85.00} {$400.00} {$120000.00} XX/XX/XXXX View Image Regular Payment Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$2700.00} {$1600.00} {$640.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$520.00} {$670.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$520.00} {$670.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$540.00} {$650.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from XXXX XXXX to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$510.00} {$680.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$530.00} {$660.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$510.00} {$680.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$570.00} {$620.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$500.00} {$690.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$500.00} {$690.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$520.00} {$670.00} {$400.00} {$120000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$490.00} {$700.00} {$400.00} {$120000.00} XX/XX/XXXX Decrease escrow balance 1 - {$3700.00} {$130000.00} XX/XX/XXXX Decrease escrow balance 1 - {$810.00} {$130000.00} XX/XX/XXXX Regular Payment Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$510.00} {$680.00} {$400.00} {$130000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$490.00} {$700.00} {$430.00} {$130000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$490.00} {$710.00} {$430.00} {$130000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$510.00} {$690.00} {$430.00} {$130000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$480.00} {$710.00} {$430.00} {$130000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$500.00} {$690.00} {$430.00} {$130000.00} XX/XX/XXXX Automatic Transfer from DDA Total to Principal Payment Total to Interest Payment Total to Escrow Payment {$1600.00} {$480.00} {$720.00} {$430.00} {$130000.00} Totals : Transactions : 30 Debits : - {$11000.00} Credits : {$36000.00} Current Transactions Page 1 of 5 | 1 Page 2 of 5Current Transactions page 2 Page 3 of 5Current Transactions page 3 Page 4 of 5Current Transactions page 4 The next link will take you to page 2 of 5Current TransactionsNextpage The last link will take you to the end of the list, page 5Current TransactionsLastpage
05/30/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • TN
  • 37209
Web
~Purchased a vehicle from XXXX XXXX , XXXX XX/XX/XXXX. Paperwork signed for a buy here, pay here loan. One month later I received notice that my payments where to be made directly to Pinnacle Bank, XXXX XXXX. ( see file attachment ). At n time did I sign any paperwork for the loan to be assumed by Pinnacle Bank, XXXX XXXX. ~All payments made went directly to Pinnacle Bank . Total loan with interest ( see file ) was approx. 19000.00 until XX/XX/XXXX leaving a {$9300.00} balance! ~In XX/XX/XXXX having relocated to XXXX XXXX , leaving the XXXX at my address/condo in XXXX I signed a surrender to the bank for the XXXX to sold at auction in XXXX XXXX as advised by XXXX XXXX ! ~XX/XX/XXXX I flew to XXXX for thanksgiving and the XXXX was sitting in my driveway in XXXX XXXX with key under floor matte. I called the bank directly and was told it was a mistake and they picked up the XXXX while I was still there! ~I called in XX/XX/XXXX. asking for auction bill of sale copies and was told the XXXX had not gone to auction yet! ~XX/XX/XXXX I called and spoke to a " loan specialist at XXXX XXXX branch of Pinnacle Bank '' and I asked if there was any documentation of the auction sale amount? She stated " oh you don't owe anything, the loan is payed out! '' ~A few months later I still had not received ANY sale paperwork so I requested it again and pulled my credit report in a effort to buy a new vehicle and monitor my credit report. ~I relocated back to XXXX XX/XX/XXXX and the first week here I called Pinnacle Bank and asked once again for proof of sale of the XXXX at the auction and was told by XXXX XXXX at Pinnacle XXXX that I owed a balance of {$4300.00} dollars from the balance of {$9300.00} and that the amount had gone to collections!!! She also said no paperwork could be located and was not in my file! she agreed to " do some research and contact XXXX XXXX, XXXX and request paperwork of the sale from them. ~I called XXXX XXXX myself that day and was told by the former manager " there is no paperwork for any auction we got the XXXX back and resold here off the lott ! '' I aksed for the amount of the sale and copy of the paperwork of the sale and was told they could not release that to me?? ~XX/XX/XXXX I pulled my credit report and realized the amount is now on my credit report as a bad debt write off with compounding interest! I spoke to XXXX XXXX again and she stated she would email me the " only paperwork they have as the record of the loan is incomplete! '' I received the file from Pinnacle Bank that same day. ~She also stated the " owner of XXXX XXXX '' has a long time personal and professional relationship with Pinnacle Bank and they buy his portfolio of auto loans frequently! ~The XXXX did not go to auction at all but in-fact went right back to the sellers lot at XXXX XXXX where they resold the XXXX for a undisclosed amount and sent a {$5000.00} check to Pinnacle Bank leaving a unproven/undocumented left over amount compounding ( see file ) of {$4300.00} as indicated on my credit report of XX/XX/XXXX! XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
07/07/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NC
  • 28001
Web
I begin the closing process with my mortgage lender, Pinnacle Bank, on XX/XX/. The home I purchased cost XXXX. I was originally sent a closing disclosure onXX/XX/XXXXXX/XX/XXXXof XXXX ( principle & interest ) + XXXX ( taxes ), which totaled out to be XXXX as my original amount that I would pay each month for my mortgage. I signed these documents the same day, which should have locked in my rate for this specific home. OnXX/XX/I was then contacted by my mortgage lender that the bank had made an error on my closing documents, which could possibly cause a delay in closing on my home. I was told by my mortgage lender that my loan would have to go back through underwriting for correction. On XX/XX/, I received another closing disclosure and noticed that my loan had increased another {$8000.00}, and that my monthly payments would now be over {$1500.00}. I reached out to my mortgage lender for an explanation, and was informed that there may be unpaid property taxes from the sellers. I was also informed that public tax records did not list the new property taxes correctly after renovations have been completed on the home. I was not informed of this misinformation until 3 days after my original closing. I was also scammed into signing this contract because I was told my due diligence funds would not be returned to me. My mortgage lender left out vital financial information once I closed on the home on XX/XX/. I received a letter from XXXX stating that my payments have increased again from XXXX to XXXX, and that there was an escrow shortage. I reached out to my new assigned lender on this information & was informed that once again the underwriting department has made several errors on my loan. I also received an email from my original mortgage lender admitting that they made errors on my closing disclosure but did not catch it until after I signed my disclosure
02/12/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TN
  • 37921
Web
Original complaint filed XXXX. We continue to have issues with XXXX XXXX collection methods. After struggling due to spouses medical issues and lost time at work, we basically have a rolling 30 day delq. We had made arrangements to make a payment on XX/XX/XXXX, then another 3 wks later. We made the payment on the XXXX as promised. On XX/XX/XXXX, XXXX received a text : Fwd : '' XXXX we are sending tow truck and officer to come pick up the explorer for non payment thanks. '' I called this individual, named XXXX, who claimed to be employed by Pinnacle. He stated he was getting a warrant and coming with the police to get the car. I got him to back off, explaining we had an arrangement. I made the next payment on XX/XX/XXXX as promised. When is didn't clear our acct a week later, I called and found out the didn't post the payment per instr from XXXX XXXX. I spoke with XXXX and she said I needed to follow the instr in an email, which I did not receive. She sent a new email, stating we needed to complete a credit app along with sending a cashier 's ck for {$1200.00}, which is more than is due. I offered to send {$620.00} now and {$600.00} by the XXXX and she refused. If they would've posted the payment on XX/XX/XXXX, the loan would've been within 30 days. They didn't notify us that they weren't going to post the payment and haven't returned the payment. Insisting on a cashiers check when we have never had an nsf with them. I feel they didn't post the payment to allow the loan to show more delq. There practices continue to be unethical and I'm not sure what to due at this point. With the payment they are holding and I can afford another payment, then the loan would be due for XX/XX/XXXX, but they want the XX/XX/XXXX payment, that is not due yet and we don't have it right now.
05/17/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TN
  • 38401
Web
Opened a car loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX back on XX/XX/XXXX the loan was going smoothly and payments were made until a move/job relocation in they did a special two month loan to help out near the end of that I find out ( through Pinnacle ) that they are demanding payment for the two months missed. I notified the Tennessee State Attorney General 's office regarding this and they ruled in my favor ( and they backed off ). The job I was working at fell through and I started to struggle falling behind on nearly EVERYTHING In XX/XX/XXXX I decided to file for a Ch XXXX bankruptcy. The timing of the file may have sent out a payment collection notice from Pinnacle a few days after it was filed. But I still continued to get payment notices from them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A total of four letters for payment demand. I notified my attorney on this and they did NOTHING. Due to work conflicts I was unable to meet two of their demands and the bankruptcy was dismissed. At this time I also noticed that my credit report took a serious hit due to no payment from Pinnacle in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX r I contacted them about it an dtonight XX/XX/XXXX from their " legal counsel '' that they are going to sue me for the payment and the fact I got payment demands from them while I was in bankruptcy does not matter ( yes it does ) so I am sending this to you now and going to stop at the county courthouse tomorrow after work to file a lawsuit fo rdamages caused by them in violation of the Fair Credit Reporting Act.
02/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • Debt settlement
  • Problem with customer service
  • CA
  • 95531
Web
-I redeem silver certificates, federal reserve notes, state notes, etc at the treasury per : 31 U.S. CODE s.s. 5118 ( gold clause ) -S 9-307 LOCATION OF DEBTOR. ( h ) UNITED STATES is located in DISTRICT OF COLUMBIA. -As one of the nation 's Creditor 's, I choose to bank privately, using LAWFUL MONEY ... federal reserve notes are LEGAL TENDER, and never fully offsets a debt. I use my LAWFUL MONEY to discharge obligations by CHECK, DRAFT, ITEM, BILL OF EXCHANGE, and PINNACLE FINANCIAL PARTNERS LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. MY ITEM ARRIVED CERTIFIED MAIL, I CALLED TO CONFIRM PINNACLE FINANCIAL PARTNERS RECEIVED THE ITEM, AND A XXXX XXXX XXXX INFORMED ME THAT HE RECEIVED THE ITEM, AND HE WOULD HONOR, SIGN, AND SEND MY INSTRUMENT TO THE TREASURY TO BE CREDITED TO THE CUSTOMERS ( MYSELF WITH XXXX XXXX XXXXXXXX ) ACCOUNT. ALMOST TWO WEEKS GO BY AND I SPEND THE NEXT WEEK TRYING TO FIND OUT WHAT HAPPENED. I REACHED A XXXX XXXX WHO HELPED ME LOCATE THE ITEM A FEW DAYS LATER. THEN THEY IGNORED MY CALLS, AND I REACHED OUT VIA EMAIL, AND THEY INFORMED ME THAT THEY WOULD NOT SIGN AND SEND THE INSTRUMENT. DISHONOR IS UNDERSTANDABLE, HOWEVER ARTICLE 3, SECTION 503 OF THE UCC STATES THAT THE FINANCIAL INSTITUTION MUST GIVE NOTICE OF DISHONOR NO LATER THEN MIDNIGHT THE NEXT BANKING DAY. I'M VERY CONCERNED WITH THE AMOUNT OF INSTITUTIONS THAT FAIL UNDERSTANDING OR READING THEIR OWN BANKS TERMS AND CONDITIONS AND POLICY. I SIMPLY FOLLOW THE RULES AS HONORABLY AS I CAN. I SIMPLY WANT THIS FINANCIAL INSTITUTION TO DO WHAT IS WRITTEN IN THEIR POLICY.
07/04/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 28120
Web
I made my normally scheduled payment in the month of XXXX. I received a call from Pinnacle Financial Partners on XX/XX/2020 stating that I was late for my XXXX payment. While on the phone with the collections representative, I reviewed my bank account for activity. I confirmed the date of when my payment was received. The representative then informed my that my escrow payment had changed. The represent reviewed my account, and advised that a letter was sent to me on XX/XX/XXXX. I advised the representative that I didnt receive the letter, and asked her to review my account for a record of perfect payment history, as well as issues in the past of not receiving communications from Pinnacle Financial Partners ; she confirmed this information. I have no problem making the new payment, my issue with Pinnacle Family Partnership is that they are giving no leeway for reporting a late payment given my perfect payment history, the proven history ( via returned mail per USPS ) of not receiving their communication and numerous calls of complaints from me, and the fact it was the first month of the newly scheduled payment. One mailed letter informing a client of a new payment seems to be a deficiency of effort. The month of a newly scheduled payment should be given more scrutiny, and when someone sends the old scheduled payment amount, efforts of quicker communication with the client about a payment shortage should be made.
06/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NC
  • 273XX
Web
The bank sent me a letter with my current loan number and my new servicers loan number for the home were closed last month, so I used the instructions on the letter and on the websites of both servicing companies to attempt to establish an online account to pay my bill. The website for both servicing companies says my loan doesnt exist no matter what loan number or identifying information I provide, so I have no way of knowing how to make my payment safely and securely by the due date on XX/XX/2021. I do not feel safe mailing a check with my bank account information to either loan servicing company because neither of them can tell me if I have a loan account with them. I believe this is an undue burden placed on me by both servicing companies, because I work during their call center hours, which means I have no alternate means of inquiring about my loan. I do not have time to play phone and email tag, and their customer support teams lack the training they need to help me. You never get the same answer twice, and you have to just pray to a higher power that their websites work on any given day. I have no other recourse apart from this complaint, so I hope it helps Pinnacle Bank and XXXX XXXX XXXX find the motivation to help me get my bill paid on time using a safe and secure method of payment.
07/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TN
  • 370XX
Web Older American
I attended an online webinar at XXXX on Thursday XX/XX/2020 and purchased a digital product XXXX XXXX XXXX invoice # XXXX using my debit card which has the mastercard logo. and the company ran it as a credit card purchase. Friday I was notified that I lost my job and income due to the pandemic. I immediately contacted the company and was transferred to voicemail and I also sent email through their system requesting cancellation and a refund. I heard nothing friday from them or over the weekend. On Monday the charge posted to my account and I called XXXX XXXX XXXX XXXX XXXX. I then reached out to my bank Pinnacle to see if they could assist me. Within 2 hours of that email I received email from XXXX from XXXX saying I had exceeded my 72hr refund window. I have never accessed any of the material because I want and need a refund. I then submitted a dispute with my bank and have been notified their final determination was against me. Why can't the transaction be disputed as a credit card because that is how the company viewed it? If I make online purchases I use XXXX but that wasn't an option in this case and I am in a Chapter XXXX bankruptcy and I don't have a credit card anymore. But I was under the impression that the logo made it a credit card transaction as long as the PIN wasn't used.
08/28/2020 Yes
  • Mortgage
  • FHA mortgage
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37167
Web
I was discharged from bankruptcy in XXXX and has disputed the amount twice a year for the past 5 years. XX/XX/XXXX I sent email to the president and several other employees of Pinnacle Financial Bank. I entered bankruptcy in XXXX and several years into bankruptcy my second mortgage sold my loan to Pinnacle Bank. Pinnacle Bank did not comply to Chapter XXXX standard letter was sent to appear in court they ignored. Pinnacle Bank did not mail me any documentation about my account with them.The second mortgage had to keep accepting the payment and then they would forward to Pinnacle Bank. The first time I seen the amount from Pinnacle right after my bankruptcy they states I owe them XXXX and they claim I was late every month. I would dispute with credit bureau and then the amount was lowered to XXXX. I disputed that amount as well then the amount changed again to XXXX. I dispute the amount again they will not remove the amount. I have the letter I sent to them as well as my Chapter XXXX payment history for the second mortgage. Please review
11/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • VA
  • 23320
Web
I was a member on pinnacle XXXX back in XXXX for a short time in XXXXXXXX XXXX. A XXXX XXXX later, I made the decision to move back to XXXX XXXX to XXXXXXXX XXXX. I made the decision to close my account with Pinnacle and withdraw my remaining balance. After that I didnt give it another thought. I have recently tried to open a bank account and was denied on more than XXXX occasion and decided to take a look at my reports I saw that Pinnacle XXXX had issued a XXXX XXXX XXXX XXXX against me for the amount of XXXX. I have never abused my account with Pinnacle XXXX and thought them to be a fairly decent financial institution until today. This kind of incorrect information was never sent to me an email or letter. I was never notified of this charge or that it would be put on my credit report and cause me to be unable to get a bank account anywhere else I am furious. I want something done about this immediately.
09/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TN
  • 37067
Web Servicemember
I own XXXX XXXX XXXX XXXX, We opened an account with Pinnacle Financial Partners in XXXX XXXX, TN on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX at the XXXX XXXX XXXX emailed me stating the account is being closed. She stated it would be closed on XX/XX/XXXX and debit cards shut down on XX/XX/XXXX, she stated the reason was an unclear XXXX XXXX report. My corporate attorney verified my XXXX report is not frozen and also verified with XXXX legal team that Pinnacle Financial Partners was sent my report numerous times and no freeze code was sent. Later that day on XX/XX/XXXX, XXXX had blocked access to the account completely ( online, phone, debit cards ) and told me to pickup a check, when I went to the bank police were waiting as an intimidating tactic. The check received was thousands less than what was in the account. I have emailed XXXX and my lawyer has too several times and she does not respond.
05/19/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TN
  • 37072
Web
i have an issue with XXXX, my credit score was lowered by 6 points because of a credit card that i never had. I called the bank that had placed my name of the credit card " Pinnacle Bank " and they said they would fix the issue because it should have never been on my credit report. I never filled out any paperwork asking for the credit card and they said they do not know how it happened. They said it was resolved. Well it is not, i saw on my credit report that the dispute was resolved and the case is closed. IT IS NOT CLOSED. It has lowered my score and it is not fair to me as the consumer. i am requesting that you resolve this issue and give me back my high credit score. it is truly hurtful when a person has to constantly prove that they did not do anything and you all ask like it is nothing. If it were you wouldn't you like your credit reinstated ....
08/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 296XX
Web
I opened an account with Pinnacle Bank ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. Sincerely, XXXX XXXX XXXX XXXX previously named : XXXX XXXX XXXX XXXX
02/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 32952
Web
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA- {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA - {$1000.00} These transactions were made out of state and fraudulent. I was never notified by the company that these transactions were made. I also never got a notice or notification asking to approve out-of-state transactions as well as in such high amounts. I had a hard time accessing their online platform and thus never saw the transactions till now. Now Pinnacle Bank are stating it is past the amount of time to report this fraud, yet they never notified me of potential fraudulent transactions that was out of state and should have easily been detected as fraud. I am a victim of fraud I had no knowledge of any of these transactions stated above nor can find any info about the company that took my money and information.
10/04/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TN
  • 37128
Web
I applied for conventional loan with pinnacle bank they closed the rate at 4.375 on XX/XX/XXXX, and I provided them with all paperwork till before closing date with 5 days before it was on XX/XX/XXXX they told me there is something changed when I met them they told me new rules will control your loan ( XXXX ) they said you will be refused from the conventional loan by the underwriter but we can give you in-house loan with rate 5 after buying another point.so I bought a point and the rate is 5 I had to do that because they twisted my arm and put me in a corner I am losing much money after the change the deal.the price of the house XXXX I paid 20 % percent my native language is XXXX, my closing date was on XX/XX/XXXX I have all paperwork to a proof my complaint. Thanks My phone number XXXX
07/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 273XX
Web
credit card XXXX XXXX pinnacle financial partners refuses to apply any over payment to principle amount after overpayment of regular payment has been made on this credit card. bank has sent me e-mails that any payment made must be split out to pay interest first and not applied to principle to principle directly. No matter how much overpayment is made. Pinnacle XXXX also did the same thing to me on XXXX XXXX XXXX No matter what the bank refuses to apply payments directly to principle. Both of these above accounts are compounded interest daily and it is against the law to not let me give additional money to reduce principle amount.
12/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • TN
  • 37920
Web Older American
I have not been able to pay my mortgage for 7 months. I closed my business XXXX XXXX, 2019 because I could no longer make ends meet. I am XXXX yrs.old and living on social security only right now. I wanted to put my house on the the market back in XXXX or XXXX, but XXXX XXXX and XXXX at Pinnacle Bank said I could not do that til I paid the payments I was behind on. I believed them, but found out in XXXX that that was false information. Now the house is due to go to auction XX/XX/ 2019. I would like time to sell my house and pay what I owe.
09/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 333XX
Web
Please add the attachments on this form to case number XXXX as this is proof of the fraud when I applied for a personal loan for XXXX but my loan was written up as a business loan. The attached documents are very important evidence. Please let me know that you have added the attachments to my case. Thank you XXXX XXXX XXXX. Case number XXXX STATUSOPEN Submitted to the CFPB on XX/XX/2021
01/05/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 284XX
Web Older American
My Son XXXX XXXX XXXX is using my information to open bank accounts in my name because he owes IRS over XXXX XXXX dollars in back taxes. Pinnacle Bank in XXXX NC is allowing XXXX and XXXX XXXX to use my personal information. I did not authorized Pinnacle Bank to open or use my personal information.
08/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32703
Web
These are the companies that have reported items that I have no knowledge of, I've never cosigned for and never signed up for. I would like to have them investigated and removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX
03/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • NV
  • 89106
Web
i was rushing to get a outfit for a business meet from clothing store named XXXX i thought i activated my business credit card, so it flag the system i try to call them to let them know that i try to make that purchase now my account been frozen for a month now i cant get ahold of anyone.
01/19/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • TN
  • 37917
Phone
12/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38016
Web
10/06/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30083
Referral
09/15/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
  • NC
  • 28207
Web
04/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NC
  • 27260
Phone Older American
11/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 18049
Web
11/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 24018
Referral
07/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • NC
  • 27012
Web
07/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NV
  • 89128
Web
02/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • NC
  • 27284
Referral
11/18/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33026
Referral
11/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32828
Web
11/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38017
Web
09/16/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • FL
  • 333XX
Web
08/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39335
Web Servicemember
04/29/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • RI
  • 02911
Web
01/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • VA
  • 24018
Referral
11/30/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NC
  • 27408
Web
10/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32839
Web
10/02/2020 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
  • TX
  • 77375
Web
09/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60465
Web
07/24/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • NC
  • 27262
Referral
05/28/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem with fees or penalties
  • SC
  • 29577
Phone
05/18/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 28117
Web
01/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
Phone Servicemember
10/17/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • TN
  • 37804
Web
11/28/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Incorrect information on your report
  • Account information incorrect
Phone
07/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38184
Postal mail
07/18/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32607
Referral Servicemember
05/28/2018 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TN
  • 37921
Web
03/29/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • NC
  • 28027
Postal mail
11/29/2017 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem with fees or penalties
  • SC
  • 29801
Referral