Pinnacle Recovery Inc 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 be calling, and how you can stop them.

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What is Pinnacle Recovery Inc?

Pinnacle Recovery, Inc. is a third-party collection agency based in Southern California. This debt collection agencyhas received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as using illegal communication tactics and attempting to collect debts not owed. If you have been contacted by Pinnacle, understand your rights before responding.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Pinnacle Recovery a scam?

According to the Better Business Bureau (BBB), Pinnacle Recovery, Inc. was founded in February 2000, and the BBB established Pinnacle’s profile page about 7 months later. They are listed as a collection agency with a staff of 70 people. Buzzfile estimates Pinnacle’s annual revenue at $2.9 million.

According to its website, PRI is “a nationwide full‐service debt recovery company that specializes in the professional, efficient[,] and ethical resolution of its clients’ delinquent and defaulted receivables.” Pinnacle’s mission is to serve its clients’ best interests “by ensuring their consumers’ obligations are met in a timely and transparent process… [through a] continued investment in its people, staff development, operational technology, data[,] and systems in order to perform at an exceptional and secure level.”

PRI serves clients from two industries—real estate and education. Pinnacle’s real estate division focuses on “timeshare/vacation ownership delinquent mortgage loan and maintenance fee receivable collections…with a large number of participants within the industry ranging from sold out homeowners associations and single site developers to some of the largest developers and lenders.” Its education division has secured a subcontract with a private collection agency holding a contract with the U.S. Department of Education… [and has] continued to expand within this market by focusing on positive borrower relationships, borrower education and enhanced compliance efforts.”

Pinnacle’s “robust collection system…allows flexibility in both standard and ad hoc reporting.” Their “skilled team of highly seasoned professionals” understands “the crucial role customer service plays in establishing and maintaining successful partnering relationships with its clients” and is dedicated to “direct communication on an on-going basis.”

Pinnacle’s employee compliance training “encompasses important legislation including the Fair Debt Collection Practices Act (FDCPA), Privacy Act, Telephone Consumer Protection Act (TCPA), Gramm-Leach-Bliley Act (GLBA), Service Members Civil Relief Act (SCRA) and other important state laws,” as well as a “multitude of corporate policies and the specifics of proper collection behavior.” However, they do not provide any links or references to consumer protection laws, resources, or agencies.

How many Complaints are there against Pinnacle Recovery Inc?

The BBB has closed 21 complaints against Pinnacle Recovery in the past three years, with 5 closed in the past twelve months. The majority of complaints allege problems with billing and collections. In addition, since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 21 complaints about Pinnacle, and Justia lists at least 7 cases of civil litigation naming PRI as a defendant.

Contact Information

Pinnacle Recovery, Inc.
P.O. Box 130848
Carlsbad, CA 92013-0848
Telephone: (760) 929-6685
Website: http://www.pinnaclerecovery.com/

Can Pinnacle Recovery Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PRI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you

Can you help me file a No Fee Lawsuit against Pinnacle Recovery Inc?

Absolutely. Here are some Sample Cases against PRI.

In June 2016, a complainant indicated he had been having difficulty with the billing for a timeshare formerly owned by his wife, who had passed away about eight months earlier. The complainant indicated he had nothing to do with managing the property and knew nothing about their billing practices since she had purchased it prior to their marriage. Regardless, he informed them from the time of her death and for the next five months that she had passed away, but his registered letters and phone calls went unanswered. Subsequently, the account was turned over to PRI. Pinnacle representatives began phoning the complainant “constantly,” asking for the complainant’s wife. The complainant allegedly informed them on several occasions that she was deceased and that requesting payment for a bill he had never received was absurd. Nonetheless, the following day, he received another phone call from the same individual he had previously informed of his wife’s death, who again asked to speak to the complainant’s wife. When the complainant called PRI, he asked the representative about his conduct and why he had still not received a bill. The Pinnacle representative responded only that he would put a bill in the mail. After a week, the complainant still had not received a bill, so he called PRIagain, and they said they would send another one. The complainant finally received two bills, each for a different amount. The complainant paid the lower of the two bills, which matched the amount owed as indicated on Pinnacle’s website, and printed a payment confirmation and receipt. A week later, the complainant received a letter from PRIindicating they were going to report his late wife’s delinquency to the credit reporting agencies.

In response, Pinnacle indicated that they had sent a letter to the complainant indicating the account had been paid in full; that they did not report the account to the credit reporting agencies; and apologizing for their conduct.

Pinnacle Recovery Inc Calling You?

Understanding your Debt Collection Rights

The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.

The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.

The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.

Want to Stop Debt Collection Harassment Now?

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 you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.

What Our Clients are Saying

”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Pinnacle Recovery Inc from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

2 COMMENTS
  • Australia J Smith

    Pinnacle Recovery Inc, and Time share with Club Wyndham

  • Elizabeth Kriegh

    My husband and I have been trying to find someone to talk to about the Club Dues, penalties, maintenance fees, etc. plus the large balance we owe.
    We have a timeshare with Bluegreen Corporation and were not aware of the large fees. We’ ve not used the timeshare and have not been able to talk to a lawyer without them requesting a $20,000 retainer fee.
    This has greatly impacted our ability to get our house worked on.

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