Pinnacle Credit Services LLC Collection Complaints. Stop the calls

Many consumers bring up complaints about harassing collection calls

Pinnacle Credit Services LLC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might calling, and how you can stop them.

What is Pinnacle Credit Services?

Pinnacle Credit Services, LLC was founded in Minnesota, has an annual revenue of $2.3 million, and an estimated staff of 30. The BBB indicates Pinnacle Credit Services was incorporated in MN in 2000, but lists an address in Greenville, SC. Buzzfile indicates that Resurgent Capital Services was founded in 1998 in South Carolina, has an annual revenue of $79.2 million and an estimated staff of 500. The BBB indicates Resurgent Capital Services was started locally in South Carolina in 1998, incorporated in 1999, with BBB opening its file in 2000.

Pinnacle Credit Services website does not offer a lot of information. They do indicate that they purchase “portfolios of both domestic (U.S.) and international consumer debt owned by credit grantors including banks and finance companies, and by other debt buyers.” Furthermore, “Pinnacle’s name may appear on a customer’s credit report or in a letter from a collection agency,” but collection activity is outsourced to “a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services, LP.”

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Complaints against Pinnacle Credit Services

The Better Business Bureau lists a total of 364 complaints against Pinnacle Credit Services in the past three years, 51 of them closed in the past twelve months. BBB’s profile page for Resurgent Capital list 361 complaints in the last three years, with 6 closed in the last 12 months. In addition, the BBB lists 5 negative customer reviews for Resurgent. Many of these complaints allege inaccurate documentation or a failure to verify debts. Customer reviews allege abusive and sub-standard customer service. Justia lists at least 14 cases of civil litigation naming Pinnacle as a defendant and at least 16 cases naming Resurgent as a defendant.

Sample Cases against Pinnacle Credit Services, LLC 

Many of the cases against Pinnacle Credit Services allege violations of the FDCPA and/or FCRA resulting from their efforts to collect information and contact consumers to collect debts. Many of these cases failed for lack of evidence that any specific provisions had been violated. Because Pinnacle focuses on purchasing debt rather than collecting it, they have less direct contact with consumers; thus, citing or proving violations is more difficult. However, the judge in a 2010 case in United States District Court, Southern District of California, approved an order enforcing a class action settlement against Resurgent Capital Services, LP and Plains Commercial Bank. In this case, the plaintiff sued the defendants for violating provisions of the FDCPA and the FCRA that prohibit false or misleading information. The case alleges that Resurgent, in its efforts to collect a debt, “sent [the plaintiff] an envelope and/or collection letter that said, ‘you are pre-approved for a new visa credit card,’ and that, ‘arrangements have been made for you to obtain a pre-approved visa credit card issued through Plains Commerce Bank.’” Plains Commerce Bank underwrites credit extensions for Resurgent accounts. The judge in this case awarded maximum punitive damages against Resurgent.

Pinnacle Credit Services, LLC Contact Information

Pinnacle Credit Services
7900 Highway 7
Minneapolis, MN 55426
Telephone: 1-888-665-0374

Understanding Your Debt Collection Rights

The federal government enforces laws that protect consumers from illegal activity on the part of debt collection agencies. The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that restrict and regulate the way collection agencies can conduct business. For example, the FDCPA is designed to ensure that collection agencies and their employees follow certain guidelines that prohibit illegal activity, such as using abusive or threatening language or harassment; using false or misleading information; misrepresentation; and tactics like making an excessive number of calls to the same person. The class action lawsuit above illustrates how violations can be addressed in court.  

In addition, both laws allow individuals to seek damages when their rights are violated. For example, the FDCPA provides a means for consumers to recover monetary damages of up to $1,000, plus attorney fees and court costs. Seeking legal assistance may help you find relief if you are concerned that your rights have been violated.

Can You Help Me Delete Pinnacle Credit Services from My Credit Report?

In short, chances are good we can. Call us to today and we’ll tell you how we can help.

Ready to Stop the Harassment?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If a Debt collection is recorded on illegal charges or taking any other action that is against the law, to speak with a representative directly and immediately call 844-685-9200 for a free, no obligation case evaluation. You have every right to maintain debt collectors accountable, and an attorney can help.

What Our Clients are Saying

“I didn’t know there was a group of professionals who were willing to go above and beyond to ensure their clients get justice. You helped stopped the notorious payday loans staff from calling me every now and then. I highly recommend your services to anyone”

“It’s never too late to say a BIG thank you. It’s a month since you assisted me in stopping the numerous telemarketing calls from a company I signed up for their services a few months ago. My interaction with your staff was a great experience.”

“I received a scary call from a group saying that my credit card has been flagged for fraud. They threatened me that I needed to pay off $1,500 or end up incurring heavily in attorney fees, fines or worse a bail. I knew this is likely to be a scam and I contacted Lemberg Law who responded immediately and took over the case. I really appreciate the efforts of the entire legal team for putting an end to what seemed to be a mountain to me.”

Can You Help Me Delete Pinnacle Credit Services  from My Credit Report?

In short, chances are we can. Call us to today and we’ll tell you how we can help.

Sound Off!

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