PINNACLE RECOVERY, INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/14/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IA 52240	Web
We are members of the XXXX XXXX XXXX and also owners of a XXXX XXXX timeshare. As owners of the resort property, we are required to pay annual maintenance fees. The maintenance fee for the year XXXX was due on XX/XX/XXXX, and the bill for it was generated on XX/XX/XXXX. However, we were unable to pay the bill by the due date, and as a result, late fees were assessed to our account three times in XX/XX/XXXX and once in XX/XX/XXXX. The billing and collection policy of the XXXX XXXX XXXX allows delinquent owners to request a payment plan before their account is referred to an outside collection agency. As such, I contacted XXXX on XX/XX/XXXX, and requested to set up a payment plan. I paid {$100.00} as the initial installment toward the payment plan during that phone call. XXXX informed me that my account would be forwarded to a third-party, their financial services provider XXXX, which would open an account for me directly with XXXX. I was informed that I would be billed monthly by XXXX until the payment plan amount was fully paid off. The payment plan consists of equal monthly charges and does not include any interest fees. To avoid missing any monthly payments, I was recommended to set up automated payments with XXXX. On XX/XX/XXXX, I received my first letter from XXXX, which was not a bill. Since I had already made the initial payment of {$100.00} over the phone on XX/XX/XXXX, there was no stated payment amount in the letter. As a result, the letter from XXXX dated XX/XX/XXXX was simply a notification that they had opened an account for me. The first bill I received from XXXX was dated XX/XX/XXXX, and was received in early XX/XX/XXXX. This invoice specified a total amount of {$200.00} and a due date of XX/XX/XXXX. On the bill, I was given the option to sign up for automatic payments on their website, which I promptly did. However, due to my busy schedule pursuing a XXXX XXXX XXXX, I do not check my bank account on a monthly basis. I did not receive any notification from AXIS or XXXX regarding a missed payment until I received a recent letter from a collection agency in early XXXX. To my surprise, the letter dated XX/XX/XXXX, was from Pinnacle Recovery Inc. 's collection agency, stating that my account had been sent to collections. The collection statement included the remaining amount of the XXXX maintenance fee, plus interest ( even though the payment plan was supposed to be interest-free ), XXXX 's late fee, and Pinnacle 's collection service charge fee, totaling {$330.00}. This amount is equivalent to 40 % (!!! ) of the balance of XXXX 's debt. It is important to note that I was not informed by XXXX or XXXX that my account would be sent to a collection agency. On XX/XX/XXXX, I contacted XXXX XXXX XXXX to inquire about what had happened with my autopay enrollment and why I had not been alerted of a past-due payment. They informed me that my XXXX account was closed immediately following a missed payment, and my account was transferred back to XXXX to resolve the overdue balance. Additionally, they told me that they were unable to retrieve any information regarding my autopay enrollment because my account had been closed. They recommended that I contact XXXX directly. When I called the billing department of XXXX, I informed the XXXX that I would be recording our phone conversations as they do. However, a XXXX staffer informed me that it is against company policy to engage in conversation with a client who is recording it and that only they are able to record phone calls. She then abruptly ended the call, which I found to be rude and unacceptable. I believe that such a policy violates my human rights. On my second call to XXXX 's billing department, the XXXX spoke to me in an irritable and impolite tone, barely letting me speak. He informed me that after 120 days of missed payments, XXXX, under its policy, is not required to notify the client that their account will be turned over to collections. However, I believe this is a violation of my rights under the Fair Debt Collection Practices Act. I enrolled in the payment plan on time, paid the first installment, and my payment plan was transferred to a third-party organization. Therefore, legally, when my account was transferred to XXXX, I was under the new payment policy of a third-party organization, XXXX, which was responsible for managing my payment plan agreements on behalf of XXXX. XXXX had never informed me about its policy on overdue payments. Additionally, it's important to note that I informed the XXXX XXXX that they had illegally turned over my account to a collection agency, which has had a negative impact on my credit history. Despite the fact that my account was subject to a different payment policy since its transfer to XXXX, XXXX 's policy itself states that they can turn over delinquent accounts to a collection agency after a 120-day balance has passed due. However, in my case, only 58 days had passed from the date of my first installment payment towards the maintenance fee on XX/XX/XXXX, to the date on the letter, XX/XX/XXXX, that I received from the collection agency, Pinnacle. Unfortunately, the XXXX XXXX refused to listen to my arguments and insisted that XXXX was unable to recall my account from the collection agency. He instructed me to contact Pinnacle Collection Service instead. After that, I called XXXX 's customer care number to file a claim regarding the illegal action taken against me as a XXXX XXXX member, and I was unreasonable denied this right. On XX/XX/XXXX, I contacted Pinncle Collection Services to inquire about the legal document that they used to accept my debt for collection. Despite only 58 days having passed since my most recent maintenance fee payment, Pinncle argued aggressively that they were complying with XXXX 's billing policy regarding 120-day-past-due payments. I formally requested that Pinncle halt collection efforts on this disputed debt, but they refused to do so, violating their own policy stated in their letter : " call or write to us by XX/XX/XXXX, to dispute all or part of the debt. ... [ and ] we must stop collection on any amount you dispute ... '' They refused to listen to my reasoning and aggressively demanded full payment of their bill, including {$330.00} in their fees. They threatened me that if I don't pay off my account with Pinncle, my monthly charges will constantly increase. I believe that Pinncle 's actions are in violation of collection service regulations and ethical standards. Pinncle failed to perform their duty to verify the legality of all required documents and evidence from the client seeking to collect debts before accepting the debt for collection. Their actions make me suspect that Pinncle is trying to unjustly enrich themselves by engaging in this wrongdoing.
07/29/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 52240	Web
We are members of the XXXX XXXX XXXX and also hold ownership in a XXXX XXXX timeshare. As owners, we are obligated to pay annual maintenance fees. The fee for XXXX was due on XX/XX/XXXX, with the invoice issued on XX/XX/XXXX. Unfortunately, we were unable to meet the payment deadline. XXXX XXXX XXXX 's policy allows owners who are behind on payments to request a payment plan before their account is handed over to an external collection agency. Consequently, I reached out to XXXX on XX/XX/XXXX, to establish a payment plan. I made a payment of {$100.00} toward the total amount of the maintenance fee during that call. I was informed that my account would be transferred to XXXX 's XXXX XXXX XXXX XXXX XXXX, who would then bill me monthly for {$100.00}. To ensure I wouldn't miss any monthly payments, I was advised to set up automatic payments with XXXX On XX/XX/XXXX, I received my first correspondence from XXXX, which was not a bill but a notification that they had received my account from XXXX. Since I had already made a payment of {$100.00} on XX/XX/XXXX, there was no payment amount stated in the letter. My first bill from XXXX, dated XX/XX/XXXX, arrived in early XX/XX/XXXX. It specified a total amount of {$200.00}, due by XX/XX/XXXX. I promptly signed up for automatic payments on the XXXX website, as advised, with the payment day being XX/XX/XXXX. However, due to my demanding schedule as a XXXX XXXX student pursuing a XXXX XXXX XXXX, I do not have time to routinely check my bank account. XXXX or XXXX did not notify me of a missed payment in XXXX until I received a letter from Pinnacle Recovery Inc., a collection agency, in early XXXX. To my astonishment, the letter dated XX/XX/XXXX, stated that my account had been forwarded to collections. The collection statement included the remaining XXXX maintenance fee, interest ( despite the payment plan being interest-free ), XXXX 's XXXX fee, the payment toward the debt of {$100.00} ( but the date of this payment was intentionally not specified ), and Pinnacle 's collection service charge, totaling {$330.00}. This sum is equivalent to 40 % of the outstanding balance of the XXXX debt. It is crucial to note that neither XXXX nor XXXX informed me that my account would be sent to a collection agency, which was against XXXX 's policy : " 120 days after due dateDelinquent accounts are turned over to an outside collection agency.The management company, on behalf of the XXXX XXXX XXXX XXXX, may, at its discretion, take the following additional steps to collect the unpaid debt owed as well as any other remedy as permitted by the governing documents and applicable state statutes : - Send an Intent to Cancel Membership Notification.- Cancel membership in the Club therefore relinquishing the owner from any rights of ownership or usage.At any time prior to being sent to an outside collection agency, a delinquent owner may request to be placed on a payment schedule.However, you will not be allowed to make any reservations until your account is at a XXXX balance. If an installment plan or payment plan is defaulted, the account is sent to the outside collection agency without further notification. '' On XX/XX/XXXX, I reached out to Pinnacle XXXX XXXX to discuss the legal basis they used to assume my debt for collection. Despite a mere 58 days having elapsed since my last maintenance fee payment to the collection letter, Pinnacle insisted they were following XXXX 's billing policy concerning payments overdue by 120 days. OVERVIEW OF ILLEGAL ACTION : XXXX received my payment of {$100.00} towards the total maintenance fee on XX/XX/XXXX. Astonishingly, I received a letter from Pinnacle Collection on XX/XX/XXXX, a mere 58 DAYS AFTER MY MOST RECENT PAYMENT. However, the XXXX policy states that the delinquent accounts are turned over to an outside collection agency 120 days after due date. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) about this alleged illegal collection action by both XXXX and Pinnacle. Pinnacle 's response was to propose a " monetary relief '' solution, which entailed a 50 % reduction in their fee charge. I find this proposal to be inadequate and unlawful given the circumstances and the law. Due to a demanding period of examinations and graduation from law school, I was unable to contest the proposed solution via the CFPB within the stipulated 60-day window. I anticipated receiving an updated invoice reflecting the new amount of Pinnacles fee, but no further communication from Pinnacle has been forthcoming, aside from their response on the CFPB website. Currently, XXXX is preventing me from booking any vacations or even paying the new annual maintenance fee due on XX/XX/XXXX. XXXX is unjustly obstructing me from paying the new annual maintenance fee and pressuring me to settle the debt through Pinnacle. I am now considering joining a class-action lawsuit against XXXX. In regard to Pinnacle 's unprofessional and illicit demand for fee payment, I recently discovered on the Pinnacle online account that they have astonishingly escalated their fee for me, which now exceeds the amount of my original debt to XXXX. My initial debt to XXXX was {$810.00}, and Pinnacle is now demanding a payment of {$1900.00}. Before I proceed with legal action against Pinnacle 's unlawful actions, I want to give them an opportunity to make the right decision : to waive their entire fee and return my account to XXXX. XXXX XXXX, XXXX
12/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 705XX	Web	Older American
A XXXX representative approached us to purchase week long vacations, a deal not to be passed up. So we did so for our XXXX children. We were asked to return and sit in on a presentation so the representative selling us the vacations would receive credit and pick up the certifications for the week long vacations. The sales brochure and the certificates are attached. 2. The sales of the week long vacations packages were very deceptive. It was sold as use anywhere anytime. Reality is you can not use them at anytime only in off peak periods and only at low coat low usage property as stated in the attached e-mail, These packages were issued only as we were walking out the door after the 5-hour high pressure presentation. We were not given time to read and review them prior to purchase. In the event this certificate package would have been properly presented for what it actually is no purchases would have transpired. 3. Sales person XXXX XXXX, XXXX XXXX and XXXX XXXX kept us for 5 hours with offers of splendid vacations, they kept bringing more sales staff and they kept adding to the pressure. Each staffer that appeared had an add on to make the deal better. We told the NO several times and they just kept bringing more people Sweetening the deal each time. 4. XXXX and XXXX said you could use points to take cruises ; redeem points for Airline Tickets and XXXX Tickets. This was a false claim, as we do not have enough points for this. We each ( XXXX and XXXX ) own XXXX Vacations and travel the globe on exotic vacations. What they did not disclose is we do not have enough annual points to do any of this. 5. ( Rental Fee for Points ) this was disclosed to us as you could bring points forward for the next year without any extra cost. This is another false claim, as the extra points are expensive and must be purchased. We have checked into these properties and over 90 % of them we can not use due to too expensive, not prime vacation areas ( as stated ) or off peak season when our children and grandchildren can not go due to work and school. 6. There many documents singed without our knowledge by XXXX XXXX using the Docu-Sign application. Due to they had kept us there for 4-hours he forged our names onto this Docu-Sign and went through about 50 pages of documents electronically signing them without our knowledge or an explanation that would have given us more time to reject this contract. We have highlighted them throughout the contract. We were kept in this environment 4-1/2 hours longer than the consumer protection agency allows under high pressure the entire time. 7. A XXXX XXXX Credit Card was issued to us and explained IF we use it, we could accumulate points and use them toward a maintenance fee. The maintenance fee was not disclosed to us until after we asked about it several times. The fee quoted us at the time is far less than the actual fee. XXXX added a 10 % down payment onto the card instantly in which we have never received points but have received several invoices for the full amount of the maintenance fee. Then charges started showing up on the CC at 17.9 % interest. We confronted the XXXX XXXX Company and they removed the unauthorized charges. Now XXXX is sending these charges through collection agencies now in an attempt to intimidate us by destroying our credit rating. 8. XXXX did not disclose a 10day grace period to decline this purchase. When we approached XXXX it was told to us You should have read the fine print and would you like to purchase a higher point package. We have never seen a disclosure statement. We did not receive a disclosure statement. 9. We reached out to XXXX. XXXX claims they internally investigated the incident. However over the course of 4 months their investigators XXXX XXXX and XXXX XXXX talked to us on the phone 2 times in mid XXXX and early XX/XX/2019. We did not communicate with them again for 2-months as we tried to follow up with the investigation. After 2-months Palak wanted to conduct an initial interview as if we had never spoke on XX/XX/XXXX. We found this very unusual. All communications are attached. 1. XXXX will not discuss this issue in writing. We have repeatedly asked them to write us any and all concerns and they refuse. We did receive e-mail from XXXX XXXX wanting to offer us something, she would not say what it was on e-mail and only could say it on the phone as per XXXX policy. 2. We finally received a non-cancelation letter from XXXX XXXX XXXX on XX/XX/XXXX. This letter is attached and mainly reads like a standard issue letter. 3. We reached out to the Attorney Generals Office in Florida and Louisiana seeking help with this issue with no results. XXXX had someone within their Consumer affairs deny all of our issues and concerns. 4. We have received many harassing phone calls from XXXX XXXX, XXXX, ( Pinnacle & XXXX ) ( collection agencies used by XXXX XXXX XXXX to intimidate us ) mainly these people have been rude when we will not speak on a recorded line and ask them to send e-mails. We only seek for XXXX to honor the 10-day cancelation period and cancel this contract, as per Florida state law. We feel we were lied to, taken advantage of, misled by high-pressure sales staff and fraudulently coerced into accepting something we did not want and had said NO to, many, many times in the 5-hour long sales marathon.
06/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37027	Web
My complaint is about XXXX XXXX XXXX and their debt collection company, " Pinnacle. '' On XX/XX/2018, I contacted XXXX because after checking my home phone, which we almost never use, and discovered some automated messages from XXXX ( no reason for the message was stated ). I tried to log into my XXXX account and discovered I was locked out of it making it impossible for me to figure out what the problem was. I the called and was told I was sent to collections. I was shocked and asked the lady on the phone what the problem was. She wouldn't really explain and just said she would have to transfer me to Pinnacle. Before I would let her transfer me I explained I was shocked because, I had received no written communication from XXXX about a problem with my account and, in fact, I couldn't remember receiving statements for quite a few months. She then said, " Oh, that's weird, it does say 'error ' next to your statement. I am not sure why, maybe it was returned to us. That is weird. '' So it was confirmed that I have not gotten a statement indicating a problem with payments. We also confirmed that the secondary phone number on my account was a phone number we haven't used in over 2 years! So after not sending me written statements or correspondence, XXXX sent a longstanding customer with no history of failing to make payments to collections. I was then transferred to Pinnacle who could find no record of me in their system. The lady I spoke to told me to call XXXX back because she thought it was a mistake. I called XXXX back and was told that I had just been transferred to collections that day. I told the man that I just wanted to know what the problem with my account was and make any necessary payment. He said I would have to talk to Pinnacle and he couldn't help me and he transferred me back to Pinnacle. The man I talked to me at Pinnacle this time told me that actually hadn't completed transferring my file yet and he wouldn't be able to tell me what was going on until the file had finished transferring. I am still shocked that even though my file hadn't actually transferred to collections and I was reaching out to XXXX to resolve whatever issue there was they were refusing to not only tell me what the problem was, but to let me fix it at that point. Later that night, the man from Pinnacle called me back and I was shocked to be told that I owe over {$1400.00}! Part of that amount was {$300.00} in " debt collection fees '' that Pinnacle charges. After being told that I have to pay off this shocking debt before the end of the year or I would be charged another debt collection fee, I agreed to make a payment. I was honestly so shocked by all of this, I wasn't processing information properly. I was also given minimal information about the debt and was told I would have to talk to XXXX, but I had already tried that and was told I had to talk to Pinnacle ( and I am still locked out of my XXXX account ). The man did tell me that he could see that I had been making payments up through XXXX, but my XXXX payment wasn't received so I was transferred to collections. After hanging up, the whole thing didn't sit right. After hanging up, I did minimal research and discovered that it is completely illegal to charge a " debt collection fee ''. I am also shocked that I was sent to collections when it was confirmed that I had been making payments and had only missed one payment ( I am unsure why that payment was missed and I will have to contact my bank, but, again, I was unaware of the issue since I wasn't receiving statements from XXXX ). I am entirely appalled at how shady and unethically XXXX has handled this entire issue. I still do not understand what is wrong with my account, I was forced to make a payment to a shady debt collector, and all of this based on incredibly poor communication about the status of my account by XXXX. It is my understanding that is it illegal for a debt collector to 1 ) refuse to provide an accounting of a debt ( XXXX and Pinnacle have both refused to give me any sort of accounting and XXXX still has me frozen out of my account ) and 2 ) for Pinnacle to force me to pay a " debt collection fee '' that is 33 % of the actual debt owe ( it is my understanding that I owe XXXX {$900.00} as the balance of my yearly maintenance fees, which I am permitted to pay over the course of a year so this amount is not even fully due until the end of the year ).
04/20/2017	Yes	Debt collection Mortgage	Taking/threatening an illegal action Sued w/o proper notification of suit	OR 97471	Web
Mon night XXXX We received a bill in the mail from Pinnacle Recovery Inc. for maintenance fees {$760.00}, collection costs of {$250.00} for a total balance of {$1000.00} plus additional charges that may vary from day to day until this is paid. Even after pd. they may send another bill and notify the Credit Report Agency. This collection agency is working for XXXX XXXX XXXX XXXX timeshare. We never received a bill. Had no idea. Tues XXXX I called XXXX XXXX XXXX ; which I found out that morning they were bought out by XXXX vacation ownership, XXXX XXXX then opt XXXX m-f XXXX , and t alked to XXXX . I verified who I was, including my current address, which they had right, & phone #. I asked when the bills are sent since it is once a year. I told her we never received a bill why would n't they try again, " can I settle it with her? '' She said no call the collection agent. I told her she has the right address. She said they got it from the post office. Then I said again why would n't they send us a bill again knowing we did n't get one? She said because it is n't up to them to change our address it is up to us. That is neglect on their part and a way to get more money. That is what they do. We paid it the year before ( and 17 years past ) and p ut in a change of address twice. Someone dropped the ball. We never had a problem before. " Call the collection agent. '' Asked her if we could combine this and anot her timeshare we have that was also bought out by strong arm by XXXX & she said call customer care, but our delinquent debt had to be paid before they would talk to me. " Of course ''. I asked her about them buying back our timeshares and she told me to call ovation team by XXXX @ XXXX , but they wo n't talk to me until we pay our delinquent bill. Call the collection agent. " Of course. '' I asked what was the original bill- {$690.00} due by XXXX ea. yr., even though we can only use the condo once every 2 yrs. We have never used it. Ever. XXXX once a year give us a break. All these yrs. & never a problem before. How delinquent are we it is this year and we ca n't even use it. XXXX made it sound like we were dead beats. Obviously I faced it right way head on. XXXX I then called Pinnacle XXXX and asked for a supervisor. XXXX XXXX . Told him I needed some help here. we did n't get a bill & knew nothing about this.Would he knock these fees down. He said no he could n't. It is what it is. I said it is n't fair or right. I then told him it was against the law for them to charge these fees. He got mad & asked are you calling us, something to the affect, that they are thieves. I said no this is just not right, {$330.00} added to orig. bill for innocence is a lot. I responded immediately. No efforts to collect. We would n't have top credit if we did n't pay our bills. I felt they all wanted to ruin our credit. I told him I was starting to get a XXXX & I was not supposed to be under this pressure because of my illness. So, he said just a minute & came right back & said he would take it down to {$930.00} if I paid it right then. I said so I should mail a check right now & he said no a credit card now. " My husband has a phone credit card & he is working. Told me to call by XXXX . My husband got home @ XXXX . Could n't reach him. In the mean time I called Or XXXX XXXX XXXX for info about Pinnacle. Also, talked to Or Dept of Justice, Atty Generals hot line, consumer protection Agency Consumer Affairs=Complaints back to XXXX . Justice Dept. h as a very long complaint list since XXXX against XXXX . quality of goods, hard harassing, Our complaint also. I then called XXXX , XXXX read me t he Law twice that a collectio n Agency can not c harge collection fees. Their bill reads Maintenance fees {$760.00} ( was XXXX ), Collect cost ( XXXX ) {$250.00} XXXX XXXX increase XXXX XXXX Called XXXX .Told him I filed a dispute
12/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21044	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX, XXXX, and XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information on Credit Report - Account XXXX XXXXXXXX ( XXXX XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the presence of an alleged debt on my credit report, specifically Account XXXX XXXXXXXX, which is attributed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, assert that I have never engaged in any transaction, let alone purchased a timeshare, from XXXX XXXX XXXX or any other business entity. This matter has been a source of frustration for over XXXX years, and despite repeated attempts to resolve it, I continue to face unwarranted and baseless claims from XXXX XXXX XXXX and their collection agent, XXXX XXXX. As a seasoned realtor with over 15 years of experience in the real estate industry, I possess a comprehensive understanding of real estate transactions, including timeshares. To be explicitly clear, any real estate transaction, including timeshares, requires a signed contract to be legally valid. I can confirm unequivocally that no such contract exists in relation to this alleged debt. Upon requesting documentation to substantiate the debt, XXXX XXXX provided me with what can only be described as meaningless and suspicious paperwork. The attached documents including a warranty deed, which erroneously lists an outdated street address with an inaccurate house number, that I have not resided in since my high school years, includes two grantors whom I have never had any dealings with. What is most telling is the complete absence of my signature on this so-called " deed, '' which is a fundamental requirement for any real estate transaction. Furthermore, the lack of a copy of my picture ID, which is standard procedure in real estate transactions, further underscores the fraudulent nature of these documents. Moreover, the ledger purportedly containing " card transactions '' fails to reference any credit card belonging to me, and it does not indicate any legitimate transactions related to my name or accounts. This is undeniable evidence that this supposed debt is entirely unfounded, and it seems more likely that it is a result of identity confusion or, worse yet, a deliberate act of fraud and misrepresentation on the part of XXXX XXXX XXXX and their collection agent. I vehemently protest against these deceptive practices and respectfully demand that any reference to XXXX XXXX XXXX and all associated parties be immediately removed from my credit report. I have presented a compelling case backed by evidence that I am not responsible for this alleged debt and have never attempted to purchase a timeshare. I urge your agency to conduct a thorough investigation into this matter, and I expect a prompt resolution. Please inform me, in writing, of the actions taken to rectify this situation within 30 days from the receipt of this letter, as mandated by the Fair Credit Reporting Act ( FCRA ).
08/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 302XX	Web	Older American
{$2000.00} is the amount Pinnacle Recovery ( XXXX ) is claiming which include the XXXX maintenance fees of {$710.00} which as not due until XX/XX/XXXX. I was told by both XXXX XXXX XXXX XXXX and Pinnacle Recovery that {$1800.00} was turned over to Pinnacle Collections in XX/XX/XXXX. Pinnacle Collections then tacked on {$200.00} bring the total collection to {$2000.00}. This amount of {$2000.00} includes XXXX XXXX maintenance charge of {$710.00}. Additionally, they are tacking on hefty fees for XXXX maintenance fees of {$680.00}. I have proof that the XXXX money for {$680.00} was purchased and they received by certified mail on XX/XX/XXXX. We went back and forth and mistruths was told i.e. we applied it elsewhere but they couldn't tell me where or we just don't have it. XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX ) on a recorded call who initially told me that they did not have the {$680.00} then recanted and stated it went toward other fees but will send me a breakdown and my balance is {$990.00} XXXX difference of {$300.00} XXXX. I had spoken by phone, chat or email and about XX/XX/XXXX XXXX XXXX, XXXX Owner Svcs acknowledged I only owe {$300.00} to Pinnacle Recovery AND she did not indicate I owe XXXX vacations. I can only surmise that they had the payment but what happened to it I don't know BUT it appear that she, others, want to collect for Pinnacle Recovery. My XXXX Account was unlocked in XX/XX/XXXX and I was allowed to pay XXXX maintenance only after I agreed to drop my attorney representation. Fast forward to XX/XX/XXXX when I tried to pay {$710.00} maintenance fees in a timely on XX/XX/XXXX. That was the first time I was told the account was turned over to Pinnacle Recovery. I also had the XXXX tracked the {$680.00} to see who cashed it but no XXXX who I sent it to had not nor anyone else. I just received the replacement money order on XX/XX/XXXX and I have the {$710.00} to pay but I should not be paying for collection fees or finance charges on a payment I sent in XXXX. Year XXXX maintenance fees have been paid and I want to pay XXXX maintenance fees without penalty. Pinnacle Recovery recovery states they do not have to talk to me and XXXX Vacations won't talk to me. I have requested XXXX to resolve and they refuse. The mortgage is not and never had been a problem. I got behind on maintenance fees began catching them up in XX/XX/XXXX and thought resolved in XXXX BUT I feel they are trying to intimidate senior citizens to letting go their time share particularly this one since I got it soo cheap and it's almost paid. I don't think it's a coincidence that oftentimes when I speak with XXXX or Pinnacle Recovery that I get a timeshare resale call. See complaint XXXX. XXXX XXXX and Pinnacle Recovery are working lockstep together. Pinnacle Recovery ( XXXX XXXX ) swears that she do not get my emails after several verifications requesting an account.
07/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
I received a bill from Pinnacle Recovery in XX/XX/2018 for XXXX. The debt was from timeshare maintenance dues for XXXX XXXX that I had not paid. When I received the bill, I logged into the account per the instructions on the Pinnacle bill. I set up a payment plan and the debt was paid in full within 3 months. At the end of XXXX I received a call ( about a day or so after the debt had been paid in full ) from a Pinnacle representative. He said that I still owed " around {$150.00} or {$160.00} something '' and that if I didn't pay right then over the phone, I would remain in collections. I asked to speak with a supervisor who sounded like the same person. He told me to pay it now over the phone and then hung up on me when I asked him to please explain why I still owed them money. I called XXXX to get help from them and the representative told me that Pinnacle had the account and until it was paid in full, they would not be able to get the account back. I have to work it out with them. I explained to the representative at XXXX that no one was able to tell me the exact amount I owed or why and she told me she was sorry, she was unable to help me. I received another bill from Pinnacle for {$130.00} on XX/XX/2018. I logged into the account and paid it in full that day. I received a call from Pinnacle right after it was paid. They did not leave a message but I recognized the number as I now have it saved in my phone. Every day since I have paid the debt in full I have attempted to log into my Pinnacle account to see if there is anything else I owe. Since XX/XX/2018 when I enter my account number it now says the account number is invalid. I received an email from Pinnacle on XX/XX/2018 stating that the account was paid in full. XXXX XXXX XX/XX/2018 ) I received another message from Pinnacle that they are attempting to collect a debt from me. I attempted to log into my account on the Pinnacle website to see if the account had been reopened with another amount and it still tells me the account is invalid. I imagine I will get another bill months later for some other amount. I refuse to pay over the phone because of the many scams out there and every representative I speak with gives me a different approximate amount. I am unable to get out of collections with this company because they keep asking me for more money every time I pay the bill in full. I am unable to pay anything to XXXX because Pinnacle holds the account. Please let me know how I can get this bill out of collections. My parents are also now getting harassing phone calls from Pinnacle. I am not even sure how they got their phone number.
02/10/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	LA 707XX	Web
The original financing was, between XXXX XXXX and XXXX XXXX my husband at the time of the divorce, in XX/XX/2015.The judge awarded the Real property, including vacation property, all insurance, tax and all cost incurred with said properties to XXXX XXXX and declared that, My ex-husband was responsible for the mortgage ( s ) and he had full ownership of all properties and all debts, incurred. The original note for the time share, has been paid off before our divorce and any incurred maintenance /expenses are those of my ex husband, for the usage of the property and his personal enjoyment. I have not requested or visited any of the properties and/or services, that are provided by the original sales agreement. After the judge awarded the timeshare to my ex husband. These cost are that of the owner and the usage and upkeep. I am no longer the owner of the timeshare and I have no knowledge of whom Pinnacle Recovery. They were not involved in the original agreement and have no working knowledge of the transaction. The debt is not valid, nor is the debt, my debt. The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to any ability to report, this debt/information and as protection provided by the fair credit reporting act. The collection agency, has stated that the debt will be reported to the credit bureaus and placed on my credit file, causing a hardship, for me and my family. I have spoken with XXXX XXXX and notified them countless times, that ownership of the timeshare, had been taken from me by the courts and awarded to XXXX XXXX, in whole. XXXX, has still tried to collect fees from me and has stated that, they have no respect for the court system and the judge has no authority over them and their property. These cost are the cost for the ownership of said, timeshare, which is not me, as of XX/XX/2015. I have tried to work with them, including but not limited to, asking XXXX XXXX, to allow XXXX, to sale the timeshare. XXXX XXXX agreed and XXXX was unable to sell, the timeshare, even at a discounted rate, because the timeshare market is all but gone. This is a strong arm approach, to try and secure a profit from, me on a investment, that I do not own and a market that has all but, died and this activity by all parties are illegal and I request a cease and desist of all collection attempts from me by all parties involved and that any attempt to place such debt. Cease and desist.
04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	ID 834XX	Web
I was behind on my timeshare maintenance dues payments. I owed about {$1200.00} and I paid the past due amount plus the next months payment in full on Friday XXXX/XXXX/2015 on my original creditors website and they accepted as payment in full. The following Monday XXXX/XXXX/2015 I got a call from Pinnacle Recovery Inc. and talked to someone names XXXX. She said I owed about {$1500.00} for the account dues that had been handed over to them. I had not heard from Pinnacle prior to this ever and had already paid my original creditor in full. I explained to her that I had already made payment in full to satisfy the debt and there was nothing more I was obligated to pay. She continued to push the issue and stated I owe them ( Pinnacle ) {$300.00} additional because the account had been assigned to them. I had never heard anything from them or had any contact whatsoever before I made my payment to my original creditor. XXXX called me back about a week later and said that I still owed them the {$300.00} and I said no because the timeline does n't support their statements and I got my payment into my timeshare before ever hearing from them. This company is a joke!!! What do n't they understand about me already paying my debt. I sent certified letters disputing my case and sent emails with the payment confirmation I made on XXXX/XXXX/2015 to show as proof ( see attached documents ). I am really tired of these bottom feeder tactics and have notified my attorney just in case they continue to pursue this. Please see the attached documents showing the timeline of this. Also please note on the Pinnacle Document XXXX attachment the sentence that says " Please do not contact XXXX, The Club regarding this debt until the amount has been satisfied through our office '' I would have gladly followed the correct procedure and paid the debt through Pinnacle but I had already made payment in full to XXXX as seen in my supporting documentation and payment confirmation letter from Worldmark. I am not one to skirt the issue or find ways to be deceptive. I believe in following correct policies and procedures. What I do dispute and have objection too is companies like Pinnacle who try and take advantage of people and not look at the facts. I will not stand for this and and demand this be taken care of now!
07/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 197XX	Web	Older American, Servicemember
XX/XX/XXXX - My husband and I bought a deeded time share at XXXX XXXX XXXX in XXXX XXXX XXXX. We paid in full for timeshare -- {$12000.00}. We paid taxes and maintenance fee annually as billed. XX/XX/XXXX - My husband and I divorced. He got XXXX XXXX XXXX in settlement. He ( alone ) paid taxes and maintenance fee annually. XX/XX/XXXX - My ex-husband XXXX and our daughter, as executrix, contacted XXXX several times trying to get deed changed to her name. Several calls and faxes with no response from XXXX. We were informed by XXXX that we had to work through XXXX to get this done. XX/XX/XXXX - My daughter continued to contact XXXX about transfering deed. No statements or any information regarding taxes or fees were received. XX/XX/XXXX -- A $ 20,000+ collection action appears on my XXXX credit report from Pinnacle Recovery. Upon inquiry, I find that because the deed to the timeshare was never changed, my former name still appears on the deed and I am liable for back taxes and fees. They tell me that even though my divorce releases me of liability, their civil claim supersedes that. I have never received any annual statements or bills from the current owner of XXXX, XXXX XXXX. Pinnacle offers to terminate the action for {$310.00}, however, they can not guarantee that my credit report will be repaired. They tell me I have to follow up with their client, XXXX XXXX and wait for their release letter. The rep advised me to be persistent in asking for the letter because XXXX is not timely with this action. He said it could take months to get the release. He said I should continue to call, asking for supervisors, etc. While I believe the whole transaction is a scam, I am willing to pay the {$3100.00} to get this matter resolved, but I am concerned that once I pay, they have no motivation to give me a release letter or remove the derogatory from my credit report. I also believe that since Pinnacle is the company that put the negative information on my credit report, they should remove it as soon as I pay the money they request. I would appreciate your advice on how I can assure that my credit report will reflect the resolution of this matter as Pinnacle has promised. I have attached all relevant documents for your review. Thank you very much XXXX ( XXXX ) XXXX
11/28/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NY 140XX	Web
I am a flight attendant living out of state in base. My XXXX has been doing the bills. This week we received a notice from the collection agency Pinnacle Recovery. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called Pinnacle today. He spoke to XXXX in account release. Pinnacle stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our credit score, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
03/31/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 94561	Web
In XX/XX/XXXX I made payment arrangements online for a balance owing. A week later I was contacted by XXXX stating that no arrangements were made and he was not seeing it and that he will be calling me every two weeks. I had to explain to him what was done and that arrangements were done within his company website. He then asked me to fax a " resolution confirmation ''. I faxed him the information right away thinking that I was no longer going to be harassed. Today I receive another call regarding the same issue. I checked my account to make sure payment was taken out, which it was, but 3 days earlier than the agreed date. I spoke with XXXX again and I informed him and let him know that I was being harassed because arrangement was made and I faxed everything and still receiving calls. He sent me over to his supervisor, which was incredibly rude with no customer service. Informed him that I was being harassed and not feeling comfortable every month someone calling me and questioning me if I made a payment. Especially after payment has been made. Let him know that my bank account showed that they took payment 3 days earlier than agreed and he kept telling me that payment was made on XX/XX/XXXX let him know it was drafted on XX/XX/XXXX. He just kept saying " no it was n't ''. Told him I have proof in my bank statement. He said send it to him. He was very curt and rude. Let him know I did n't appreciate his attitude and he asked what did I want. Told him his first words should 've been " I 'm sorry for the inconvenience '' and in a condescending voice he said it and to email him the information. At this point I felt worst speaking to a supervisor than the customer service representative that I just hung up the phone. No one should be harassed, especially after making necessary arrangements and then being treated with such disrespect It is not my fault they are not coordinated with their web page and ca n't see people have already made payment arrangements. They need to get there issues resolved and stop harassing people and wasting people 's time.
09/19/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	PA 19013	Web
Pinnacle Recovery Inc responded on XX/XX/XXXX Complaint ID : XXXX concerning a debt/bill that belong to XXXX XXXX XXXX XXXX in which there has been no contact by XXXX XXXX XXXX XXXX since XX/XX/XXXX. Pinnacle claims I talk to them never talk to them on the phone and told them to cancel my account. Pinnacle has no proof I spoken to them in any manner regarding an account there not the primary owner of nor did I agree or sign anything pertaining to a contract with Pinnacle Recovery or made any agreement nor spoke to on a phone. My next issue I have not lived in XXXX XXXX Nevada since XX/XX/XXXX in which my mailing address was change and updated by the post office. My next issue is the address Pinnacle was mailing to me in XX/XX/XXXXis not my address nor have I had this address appears to be a strip center. Only was contacted by a law firm in regards to this debt in which has been no contact by XXXX XXXX XXXX nor any mail sent by regular mail or certified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX in which I have also filed with the US in which is 2 years before office and various other documents I have that has issues that violates certain laws and been sent to the US Attorney office of there practice. As of this date being XX/XX/XXXX I dispute all and any debts by Pinnacle Recovery due to there has not been any contact by the original creditor nor Pinnacle Recovery Inc as there letter dated XX/XX/XXXX and I have not lived in XXXX XXXX NV since XX/XX/XXXX in which is over 2 years before this letter was mailed to address that does not belong to me. All debt on this account was in dispute back in XX/XX/XXXXin which there was errors and other issues with XXXX XXXX XXXX XXXX XX/XX/XXXX. I also have proof from my company I have a contract job in which I travel for contract work and I was not in XXXX XXXX.
06/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 109XX	Web
I have a timeshare with XXXX XXXX XXXX and I constantly don't get the bill for the dues owed annually. They are due by XX/XX/XXXX. On XX/XX/XXXX the company sent it to Pinnacle collection agency without a initial bill nor any late notices. After recieving notice from Pinnacle I checked on XXXX XXXX and they have my correct address, email and phone number. The invoice said I owed XXXX plus XXXX in interest. Pinnacle added XXXX in collection fees. I immediatley paid the XXXX on the Pinnacle website stating that I would only pay XXXX XXXX dues and that if they wanted to send me an invoice for a law abiding amount of collection fee I would send it to pinnacle. Pinnacle sent another letter on XX/XX/XXXX that I owed XXXX to XXXX XXXX for dues and them XXXX. They keep changing the amount and I have repeatedly asked for ; 1. an original bill from XXXX XXXX 2. any notices XXXX XXXX sent me 3. what basis they have a XXXX fee for collection I just get nasty responses from XXXX and " we can't talk to you '' from XXXX XXXX. from what I gather NY has a 22 % maximum collection fee ( where I live ). XXXX XXXX has a posted 0.0493 % interest late fee. For XXXX days after XX/XX/XXXX today would give me a balance of original dues owed XXXX plus XXXX interest and XXXX monthly late fee equals XXXX. Today I will pay the difference of XXXX for {$260.00} to XXXX XXXX XXXX and want to get rid of this timeshare as they constantly do this!! I have copies of last years bill, the XXXX invoices from pinnacle and proof of payemnt of the XXXX. A 40 % collection fee is far beyond normal to charge and Pinnacle already took it out of the payment I made for XXXX XXXX stating I only paid them XXXX or so dollars so far. Please advise as I do not not pay my bills when I know about them but I will not pay for ransom!
05/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80634	Web	Servicemember
XXXX XXXX 2017, I made a settlement offer against my timeshare. Here is the email receipt that I received after the payment was made. " This letter will confirm that Pinnacle Recovery , Inc. and XXXX XXXX , XXXX .- XXXX XXXX have accepted a payment of {$1600.00} on your outstanding balance of {$8900.00} on your contract # XXXX on XXXX -17. T his obligation will be considered a full compromised settlement to terminate all rights and interests in the contract originally signed. You are not responsible for the additional contract balance or any outstanding fees regarding your maintenance fees '' Today, XXXX XXXX , 2017, I received a letter dated X/XX/ 2017 t hat stated I owed {$8700.00 } ( with new late fees and collections costs assessed. When I called the collection agency, I attempted to ask multiple times why this debt was not cleared. I could not even finish one sentence or question. The phone rep would not give me a straight answer. I was able to glean that there is a " Note '' on my account that it was paid directly to the collection agency, but no record that they have received anything back from the actual timeshare company. In her contradictory information, it appears they ( Pinnacle ) did not notify the timeshare company, even though I received this information above, that the account was paid. I would like the collection agency to take this payment and resolve immediately with the timeshare company as this was considered paid in full. Otherwise, it appears to me that this is simply grand larceny by the collection agency.
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28212	Web	Servicemember
XX/XX/scrub>XXXX XXXX Pinnacle placed a collection account on my credit file. I disputed the account with the credit bureau. I replied to Pinnacle for debt verification documents as I have never dealt with or had any legal obligations with Pinnacle Recovery INC. They sent me documents. I again disputed the information with XXXX for inaccurate information per the FCRA. After XXXX disputes and contact with the company, I am filing a complaint for violation of the FCRA. Pinnacle Recovery verified inaccurate and false information on my credit file. XXXX continues to not hold data providers to the standard of the FCRA. I do not have any legal obligation with Pinnacle Recovery INC and I have never had any legal dealing with XXXX XXXX XXXX as they continue to report on my credit file. They also have reported incorrect balances and other pertinent information that should have triggered XXXX to remove from my file. All the inaccurate information is a direct violation of the FCRA but furthermore verifying false information goes to blatantly damaging my credit history and rating. XXXX allowed this after I submitted documents showing inaccurate information being reported showing their gross disregard for only reporting accurate data as required by the FCRA. By participating in reporting inaccurate data XXXX is culpable because they must delete false accounts when presenting documents even if the company verifies them as accurate.
07/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94928	Web
We contacted Pinnacle Recover in XX/XX/2020 regarding an email with an amount due. Pinnacle Recovery stated there was non an amount due, they had no record of an amount due and stated the email was sent in error and ignore it. XX/XX/XXXX we were contacted again by Pinnacle through email. We again called and inquired about the info sent. Pinnacle stated nothing was due and they had no record of us or an account being past due. XX/XX/XXXX, we were sent another email, now with a higher total. We called and the person from Pinnacle stated there was no account, but wanted to check some other info. After a discussion for 15 minutes, the Pinnacle person stated there was an account noted as past due but there were multiple computer accounts in their system which they incorrectly created ( in their system ). We discussed that we also contacted XXXX in XXXX and we were told the account was current. The person at Pinnacle stated there was a small fee due, then combining all of the accounts, it was much higher. In order to keep our credit clear, and at the time of payment, there was no derogatory remake on our credit report. Pinnacle added a derogatory remake AFTER the payment was made. This is a collection tactic to abuse their power and harm paying customers. The remake needs to be taken off of my credit report, effective immediately. The remake is an attack to show dominance and is a hate crime.
08/31/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	CA 92126	Web
Received a Collection letter indicating I have a debt to XXXX XXXX XXXX of {$95.00} and {$26.00} to Pinnacle Recovery Inc for Collections Fees, I called XXXX XXXX XXXX and I was confirm I was current on my maintenance dues so I called Pinnacle Recovery to informed them that I was current with XXXX and they stared with different stories The {$95.00} was for upcoming dues so I asked why there is a collections for upcoming dues? later it was a balance from previous payments which I remaindered that I just called XXXX and I was current then they said it was all collections fees so I told them that is not what the bill said the answered was that is not relevant that is the balance and I have to paid it. I offered to paid {$26.00} which the bill shows as Collection Fees and they did not accepted they want me to paid {$100.00} to resolved the matter. I asked the to confirmed the recorded of the two conversations so we can heard them giving me different reason of the charges. the two call were on XX/XX/2020 around XXXX XXXX for about 30 minutes and the second call stated a little after XXXX XXXX PST. I will paid the balance of {$120.00} to avoid collection issues on my records but would like the money back and have this company stop misleading people on how they do the billing.
12/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98092	Web	Older American, Servicemember
My wife and I purchased a timeshare condo on XXXX XXXX XXXX in XXXX. We made this purchase while on vacation, we have never returned to this timeshare. We did join XXXX and used some of the weeks for exchange to other timeshares. XXXX XXXX XXXX have always been difficult to communicate with, and I was tired of dealing with them. I did not remember how long the timeshare membership was for, but I was done with their business practices. The annual dues went up sharply, there were special assessments every time a storm went through the island. I thought the timeshare purchase was for 20 years so I wrote a letter to XXXX XXXX XXXX after the 20 year anniversary and informed them I was done. They just kept sending me bills. I called them several times and asked them what they needed to terminate this relationship, never got a firm answer just more bills coming in for quite a while. I haven't seen any bills from them for a few years. There is a large group of disgruntled timeshare owners who are working on a class action suit against the ownership group, they have changed their business name a few times. I don't know the exact name they are using now. I have a letter I wrote them in XXXX,
02/02/2021	Yes	Debt collection Mortgage debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 90047	Web
I receive letter in the mail from XXXXXXXX XXXX On behalf A XXXX timeshare. XXXX has maintained action of collecting mortgage payment and cleaning fees monthly. When I refer back to my bank statements XXXX has stopped collecting money out of my account and has not contact me regarding issue via phone or email. I have not receive letters from XXXX Last letter received Was XX/XX/2020. Due to issues in the mail around that time it is understandable that most mail was lost Where I had to go to the Post Office to retrieve my mail. I recently received A collections Agency information by the name of XXXX requesting {$15000.00} in debt. I believe that was accumulated due to XXXX not continuing To retrieve money from my account and Large late fees. Per my bank statements cleaning fees of the resorts continuously were taking out until XX/XX/2020. I'm seeking assistance to see how can I move forward to dispute this debt collection as I have been a timeshare holder for 2 years now.
11/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95037	Web
I've owned a time share for over 20 years and always been on time on my payments, due to hardship I've fallen a bit behind on my payments ( 3 payments ) so my debt of {$470.00} was transferred to debt collector " Pinnacle Recovery, IncXXXX '' on XX/XX/2020. I called them to settle my account and they now tell me {$750.00} because they charge monthly collection fees of {$140.00}, so they charged me for XXXX and XXXX and they will continue to charge me every month till my debt is paid. According to federal law a debt collector should just collect what is owed originally and can't charge fees nor interest which is what I'm filing this complaint about, Pinnacle is unlawfully trying to scam me into paying them more than what I actually owe and is backed up by my time share agency XXXX XXXX XX/XX/XXXX) because they tell me that as long as I owe pinnacle my 20+ year old account with them is frozen, can't use it AND will continue to rack up monthly payments.
10/22/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MO 640XX	Web	Older American
XXXX separate companies : XXXX. XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with Discovercard BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX XXXX and have not removed it from my credit report. Issue XXXX : Pinnacle Recovery started harassing me about owing money to XXXX XXXX. I do not believe I owe money. Even though I dealt with XXXX Resorts with a timeshare condo, I believe about XXXX, Pinnacle Recovery harassed me from that date but did not submit it to the credit bureaus until XXXX XXXX. Even though the alleged charges date back to approx. XXXX, this is still on my XXXX XXXX credit report.
09/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 34741	Web
We bought a Timeshare at the XXXX XXXX XXXX, XXXX XXXX XXXX, thru a Timeshare Resale company. The property was paid in full. Used it once, not what we thought it would be. We offered the company to take back the property totally free, we just could not keep paying the Maintenance & Taxes. They refused. We stopped paying the M & T and eventually they sent it to Pinnacle Recovery , Inc for collection. This happened so long ago that I do not have exact dates. However this debt is way past the Statute of Limitations and should not be pursued anymore, much less putting it in our credit report. This could not be happening at a worst time since we were just approved for a mortgage and there should not be any significant changes in our credit scores.The daily calls and frequent letters also became very annoying. Please help us resolve this as quickly as possible for we do n't want this to interfere in our new home purchase. Thanks.
05/13/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32082	Web	Older American, Servicemember
This complaint is for Pinnalce Debt Collection in XXXX. I have tried to explain to them that I sold my timeshare to XXXX XXXX XXXX, a realtor in XXXX XXXX California. license # XXXX. After purchasing my XXXX XXXX timeshare, he has failed to make the maintenance fees. Because of his not paying the monthly payments, this debt collector is contacting me for payment. I had a sales contract and he paid me for the XXXX XXXX timeshare. That was three years ago XX/XX/2021! I just want this to be over! It's as though he has defaulted on his end of the contract. According to XXXX XXXX, he has never changed the ownership name from my name to his. Changing the name and assuming ownership was in our contract. I have contacted him many times about this. He keeps telling me he's working on it. After three plus years!? I have a hard time believing he is willing to loose the amount of money he has invested.
05/13/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11756	Web
I own timeshare at XXXX. I contacted them and asked to turn my timeshare in and I was told that I can start the process in XXXX. When I tried to do this in XXXX they said that I had to pay my next year 's maintenance dues first. I said they never told me that before XXXX that is the requirement. I am not going to give them a payment for not using my timeshare. I told them I would not pay and they said they will put me into collections and charge me interest and penalties that were more than my {$1500.00} yearly maintenance. They also said that they would put it on my credit report and then get a judgement against me, seize my bank accounts and garnish my wages. These timeshare companies use tactics that are very scary and this needs to be addressed. If these timeshares are so valuable why don't they take them back and resell them?
06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18102	Web	Servicemember
I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.
06/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37303	Web
This all started in 2016 when I opened a account with XXXX XXXX. I found a {$11000.00} Debit and a collection agency tied to this information Pennical. Their client for whom they were collecting for was XXXX XXXX XXXX XXXX XXXX. Someone has purchased a timeshare from this resort in my name. I have alerted Pennical several times I have never been to this resort and never ever purchased a timeshare. The response I got was they increased the debt to {$14000.00}. I have called the resort only to be referred to Pennical collections. I requested the paperwork for this account and Pennical representative claimed he would email it. Never received anything.This has turned into some type of sick game for the collection agency and it has ruined my credit. Please help me this is not my purchase.
12/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web	Servicemember
ON XX/XX/2019 PINNACLE RECOVERY , INC . SENT A LETTER TO ME ABOUT A DEBT THEY CLAIMED I OWED IN THE AMOUNT OF {$11000.00}. THE ORIGINAL AMOUNT WAS {$8400.00}. I IMMEDIATELY SENT A LETTER ON XX/XX/XXXX TO THEM AND TOLD THEM THAT THIS IS NOT MY DEBT. I RECEIVED NO RESPONSE UNTIL TODAY WHEN I RECEIVED ANOTHER STATEMENT SAYING I OWE THE MONEY AND THAT IF I DO NOT PAY BY XX/XX/XXXX THEY ARE GOING TO REPORT THIS TO THE CREDIT BUREAU. THIS DEBT IS FOR A MORTGAGE AND I HAVE NEVER OWNED A HOME. IF YOU LOOK BACK TWENTY YEARS, THIS HAS NEVER BEEN AN ACCOUNT ON ANY OF MY CREDIT BUREAU REPORTS. I AM SENDING THEM A SECOND LETTER TODAY AS WELL AS CONTACTING THE XXXX. PLEASE HELP ME TO RESOLVE THIS ISSUE. ( THE ORIGINAL COMPANY HAS NEVER BEEN ON MY CREDIT REPORTS EITHER. )
04/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	XXXXX	Web
Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.
09/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19013	Web
XXXX XXXX XXXX, Trustee mailed me a letter in which I called XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX in which they could not find or tell me nothing regarding the account of the said Debt of {$2000.00} in which XXXX XXXX XXXX XXXX XXXX has not contacted me in anyway by mail, certified mail or any other contact since 2015 in which there has been no statements mailed or any type of a said bill of {$2000.00} I dispute the bill and have contacted and filed with the US Attorney office regarding this matter of no contact since 2015 by XXXX XXXX XXXX XXXX XXXX of the said debt. There has or been any attempt of contact by Pinnacle Recover nor XXXX XXXX XXXX XXXX in any regards of the said debt in which I dispute
09/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95667	Web
I have paid my account in full ( less than 30 days since receiving notice ), and I am still receiving multiple calls per day. Today I received a call from Pinnacle debt collection and told the person that I wanted to speak with the representative of the company that holds my maintenance dues in order to sort out why they are saying I owe more money than was paid. He refused to hang up and blocked my line from being used for outgoing calls. I would hang up and wait 30 seconds and pick up the line to call out and he was still there. This happened for over 20 minutes and I found it extremely uncomfortable and intimidating. I also realized that I was unable to call out if there was an emergency in my home.
02/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	GA 30228	Web
I am receiving letter from Pinnacle Recovery threatening to report a timeshare account as default to the credit reporting agency. The account is already showing on my report or were removed by the XXXX. I do not have a contract nor do I know what role Pinnacle plays in the XXXX XXXX XXXX organization. The company that I made payment to was XXXX XXXX ; I have not made a payment on this account since XXXX 2010. This account is already showing on my credit report. I did not think the same account can be reported twice. I told that to them when they called and I was told they can and will do so.
06/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MA 02026	Web
PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications!
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95206	Web
As of XX/XX/XXXX a collection of the amount of {$27000.00} popped on my credit report. I have absolutely no knowledge of this account and I have never received a piece of mail or any correspondence whatsoever with this company. I would like to know why companies are allowed to ruin people 's livelihood with no real proof. I am in the process of purchasing a house and this will ruin my chances and make me lose out on thousands of dollars. I would like this rectified. Completely remove this account from my credit report.
09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 22191	Web
Pinnacle Recovery, a collection agency called my place of business and left a detailed message regarding my debt. When I returned the call and complained that it was a violation of federal law to call one 's place of business, the gentleman denied it. I then asked for their business ' address so I could submit a complaint about them and he refused to give me the business ' address. He then said he would only provide the address if I paid the debt. I refused to pay the debt and that is where we currently stand.
11/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 93280	Web	Servicemember
A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that.
08/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO 63304	Web	Older American, Servicemember
On XXXX XXXX 2017, I refiled a dispute with XXXX XXXX on a debt that a collection agency reported on my credit report. XXXX XXXX reply was that the debt was accurate, I sent to them documents that prove that I paid this account in full and nothing was farther owed on this account. The same collection agency had reported this debt on my wife credit report than removed it saying that they had been paid in full, this is not true because, me and my wife paid this collection agency nothing at all,
06/16/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OR 971XX	Web	Servicemember
The company name is Pinnacle Recovery. The latest call came through XX/XX/XXXX at XXXX and again at XXXX. The robo call comes from XXXX and says to call XXXX. The company is calling repeatedly trying to reach XXXX XXXX for a debt that she apparently owes. This person does not live here. My husband and I have had the phone number since XXXX and no XXXX has ever been associated with our number. I called the number and told them to stop calling as the person has never lived here.
04/13/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IL XXXXX	Web	Servicemember
I have sent a certified and returned received letter on XX/XX/2019 asking Pinnacle Recovery , Inc. XXXX XXXX, XXXX , CA XXXX to validate the debt. They have not responded to my request. After sending the letter to stop calling they continue to call. I have received over 4 phone calls after the letter was sent. 1st phone call was on XX/XX/2019 2nd phone call was on XX/XX/2019 3rd phone call was on XX/XX/2019 4th phone call was on XX/XX/2019
08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 12302	Web
XXXX XXXX, XXXX XXXX XXXX account XXXX balance of {$880.00} paid in full by check XXXX for {$900.00}. Third party collection agency Pinnacle Recovery attempting to charge illegal 40 percent collection fee. There is no contract provision for collection fees and such fees are illegal according to Louisiana state law LA 9:3534. Vendor refuses to follow law, continues to pursue collection actions, and deliberately misallocated payments.
08/10/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	PR 007XX	Web
I contacted yesterday, XXXX XXXX XXXX, to settle this account which I am not refusing to pay, but they state they can not accept a payment plan. This account is affecting adversely my credit score and my intentions to purchase home. I am willing to establish a payment plan but they refuse and they threat me to foreclose on a time sharing property I have never used. They have incurred in high pressure and predatory tactics.
10/09/2018	Yes	Debt collection Mortgage debt	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23464	Web	Servicemember
XXXX XXXX used tactics that was not ethical when selling their product. It was a timeshare presentation that was supposed to be 90mins and we were in there for at least 6 hours. After we wanted to leave they called a manager out to sweeten the deal. After purchasing the timeshare things that were told to us was complete lies. I've tried to ask them about things promised to us and never gotten a solid response.
01/01/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 238XX	Web
Paid annual maintenance fee for timeshare to XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX property on XX/XX/2021. XXXX claimed payment was not made. I provided them with screenshot from XXXX XXXX XXXX Checking Account including confirmation number of transaction. They ignored my communication and turned account over to Pinnacle Recovery. Pinnacle Recovery ignored my proof of payment.
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98683	Web
Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with.
08/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 483XX	Web
I have been receiving multiple phone calls every week for the past few months for a different individual that I have told multiple representatives from the debt collection company that I am not the person that owes the debt and they have the wrong number.
08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21403	Web	Older American
I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.
11/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	NC XXXXX	Web
They have people who have tried to act like they were someone else and not who they profess to be. People are very rude and not very ethical when they are talking to you
02/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37115	Web
I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services
05/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 070XX	Web
No information provide by collector, they just took 50 point on my credit Report, and now saying that I own US {$1900.00} Never was contacted by phone or writing.
04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 945XX	Web
I sent the payment, but the collector continued to call and harass me. He was extremely rude and tried to pressure me into paying exhorbitant collection fees.
06/25/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30331	Web
The Heroes Act section ( XXXX ) Suspends negative consumer credit reporting during the XXXX pandemic plus an additional 120 days.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75023	Web
We have had a Time Share for 8 years and never used the facilities EVER. Called to have it removed.
03/20/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	ME 040XX	Web
an amount on my credit report which is not in my name nor have I had a history with this company
12/01/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	CA 92708	Web	Older American

11/07/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11206	Web

09/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46231	Web

08/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92618	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30013	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30013	Web

08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30542	Web

05/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90670	Web

11/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20901	Referral

10/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

09/29/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone	Older American

08/13/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid		Phone	Older American

07/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 01748	Web

02/07/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CA 91942	Phone

04/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85250	Web	Servicemember

03/11/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23060	Web

06/29/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23430	Web	Servicemember

05/16/2018	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	OH 45229	Web	Older American, Servicemember

03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94590	Referral

02/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/17/2018	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MN 55449	Referral

09/28/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07055	Referral

09/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95746	Postal mail

06/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08230	Web

06/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20176	Web

05/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33762	Web

04/19/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78239	Web	Older American, Servicemember

02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77904	Referral

02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MA 01085	Web

01/30/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WA 98072	Web

09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 23004	Web	Older American

09/21/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 95945	Web	Servicemember

09/01/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	MD 21208	Phone	Older American

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28214	Web

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33433	Web	Older American

08/09/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	VA 23703	Postal mail

07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95070	Web

07/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95823	Web

07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 91780	Web

04/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IN 47355	Referral

03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 34950	Web

03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01938	Web

03/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 33785	Phone	Older American

02/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 28305	Referral

02/08/2016	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	NJ 08691	Phone

11/06/2015	Yes	Debt collection Mortgage	Communication tactics Used obscene/profane/abusive language	CA 94601	Web

09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 10308	Web	Older American

08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 90018	Web	Older American

08/07/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	CA 91911	Phone

05/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VT 05748	Phone

05/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32317	Postal mail

04/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NJ 07017	Referral

04/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 27804	Web

03/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02914	Postal mail

03/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30093	Web

03/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29577	Web	Older American, Servicemember

03/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80109	Web

02/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33165	Postal mail	Older American

02/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	GA 30096	Web

02/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10458	Web

01/24/2015	Yes	Credit card	Credit card protection / Debt protection	VA 23502	Web	Older American

01/23/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NJ 08081	Referral

01/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33073	Web	Older American, Servicemember

01/23/2015	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	FL 33138	Postal mail	Older American

11/22/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27804	Web

11/19/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 28594	Web

11/13/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	OK 74012	Web	Servicemember

11/07/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 17821	Web

10/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27713	Web

10/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33437	Web	Older American

10/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TN 37811	Web

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 28594	Web

09/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NY 11209	Web

09/02/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NY 12303	Fax

08/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	NY 10463	Web	Servicemember

08/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60468	Web

08/02/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	NY 14225	Web

07/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DE 19803	Web	Servicemember

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92109	Web	Older American

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 50311	Web

07/11/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48324	Web

06/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	AL 35661	Web

05/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	KS 66030	Web

04/30/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32966	Web	Servicemember

04/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92234	Web

04/24/2014	Yes	Debt collection Mortgage	Communication tactics Frequent or repeated calls	PA 19610	Web	Older American

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27713	Web	Older American

02/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	ME 04105	Web	Older American

02/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	XXXXX	Web	Older American

02/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 43082	Web

01/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	UT 84050	Web

12/18/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AL 36264	Web	Older American, Servicemember

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08012	Web	Older American, Servicemember

10/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32216	Web	Servicemember

10/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AR 71753	Referral

10/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37179	Web	Older American

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33179	Phone

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 01937	Web	Older American