Consumer complaint received 2016-08-08
Company: Pinnacle Credit Services, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I somehow gained a debt with XXXX XXXX of which the XXXX date of delinquency was registered on XXXX. I was under the impression that the account in question was closed, but according to XXXX it was not. 

A past due amount of {$250.00} accumulated ... a debt I was never notified about. 

Since I was never notified about this debt, XXXX sold the debt to " Pinnacle Credit Services LLC '' on XXXX/XXXX/XXXX. 

Again, I received no notification of owing a debt to either XXXX XXXX or Pinnacle. 

I found out that this debt existed last month and since I felt that I didnt owe XXXX a dime ( I know I closed the account ), and that XXXX refused to give me any information concerning this debt, I filed fraud charges and a dispute with XXXX, through XXXX, on XXXX XXXX, XXXX. 

Then I decided to talk to the people at Pinnacle to see what could be done on their end. 

They gave me the impression that the best thing to do was to pay the bill. They went so far as to even cut the debt from {$250.00} to {$170.00}. I inquired as to whether or not the collection would be deleted from my record if i were to pay the {$170.00} because if not, I was going to continue to challenge the validity of the account. I was given the impression that it would be deleted upon payment. With this being understood on my part, I agreed to pay the debt on XXXX/XXXX/XXXX and left a XXXX dollar deposit with their company. 

Pinnacle charged my account for {$170.00} on XXXX/XXXX/XXXX and the charge was finalized on XXXX/XXXX/XXXX. 

I realize that it takes time for these things to drop from your credit report, but I wanted to call Pinnacle to verify that it was indeed being taken care of like they said it would be. 

I called Pinnacle to ask about the status of my account following the above charge. When I called and asked about the deletion, they acted like they didnt know what I was talking about and claimed that they didnt delete collections. This was contrary to what I was led to believe by the operator who initially settled the account. After talking to a manager, which amounted to just wasted time, I hung up. There wasnt much that I could do. 

Shortly thereafter I first received a bill for someone elses account, addressed to my address, for the sum of {$300.00} dated XXXX/XXXX/XXXX. Then I received a postdated debit card notifaction dated XXXX/XXXX/XXXX for {$170.00}. The payment was dated as XXXX/XXXX/XXXX. I figured this, along with being sent someone elses bill ( demanding that I pay it ) was just another example of Pinnacle not knowing what it is that theyre doing and proceeded to wait for my dispute results with XXXX 

I received the dispute results from XXXX on XXXX Not only did Pinnacle fail to delete the collection, they also refused to even acknowledge that the account was even paid in full. Upon reading this, I made copies of all letters, bills, and debits concerning this account and sent them to XXXX for an investigation. 

I also ran a credit check with all XXXX Credit Bureaus and found that on XXXX/XXXX/XXXX they were still reporting the collection as unpaid. 

I really would like this collection removed from my credit report like I was led to believe would happen. 

I am willing to furnish all written paperwork, notarized statements, and credit reports to prove my claims if needed.

Company response to consumer: Closed with explanation