Consumer complaint received 2015-06-10
Company: Pinnacle Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a past due bill in collection to XXXX. I called XXXX directly to arrange to pay off old debt that they claimed I owed them as on my credit report it stated I was in collections with a company called Pinnacle Credit Services for a past due debt I had with XXXX. My credit report shows that I opened an account as of XX/XX/XXXX. I have verifiable proof that I was not with XXXX XXXX nor did I open any type of account with Pinnacle Credit Services. I cancelled my service with XXXX XXXX in XX/XX/XXXX. XXXX then transferred me to a company called XXXX to settle or pay off said debt, which are not the people that were listed on my credit report. I needed this off my report as I am trying to buy a house and this is knocking my credit down quite a bit for being in current collections. I was very weary speaking to XXXX because they were not on my report but Pinnancle was on there. After speaking with XXXX for some time to verify this company is in fact who I should pay I decided to put XXXX on speaker and proceeded to contact Pinnacle Credit so that not only I could hear their side so could they. After finally getting to talk with a person at Pinnacle they transferred me right over to a company called XXXX XXXX and said XXXX XXXX did all for the collections for XXXX. The representative from Pinnacle had absolutely no information to provide to me. Once transferred over to XXXX ( who once again is not on my credit report ) I proceeded to advise the representative at Pinnacle that I had XXXX on speaker so that we could all hear the same situation. The representative from XXXX had me ask the representative how much I owed XXXX XXXX I had the original XXXX bill in front of me, as well as a bill from XXXX, and my credit report all in hand ) as well as what the account number this was in reference. The representative gave a number that was actually less than my original XXXX XXXX bill as well as having a completely different account number. I then proceeded to put them XXXX on speaker and told them I was calling XXXX XXXX directly to find out who actually owned my past due money to XXXX. XXXX XXXX once again tried to pass me off to a representative from XXXX and I stopped them and asked which company had my XXXX collection. She then stated XXXX is who was to collect not Pinnacle Credit Services and certainly not XXXX XXXX. That was literally the only information I could get from XXXX at all. They would not speak to me otherwise and I had to practically beg to get XXXX XXXX to tell me that. I proceeded to make the payment, begrudgingly, to XXXX to clear this up, however I am still dealing with Pinnacle Credit Services stating I owe them money with an account number I have never had and them stating I opened an account in XXXX which I never did. Pinnacle is refusing to talk to me and transferred me over to another company called XXXX XXXX and they are trying to collect on a debt they do not own either nor do I owe and never had. I was not sure where I could go to make this company stop whatever activity they are doing. I do not feel that I could possibly be the only person this could be happening to and it needs to stop. I have since reported this activity to Consumer Affairs but will still have to wait for XXXX working days for it to be resolved/removed from all XXXX Credit Bureaus so that will inhibit my ability to buy a house at a credit rating that I deserve. The phone number to Pinnacle Credit Services is XXXX. XXXX XXXX is XXXX and XXXX is XXXX. I am not sure if all XXXX collections companies should be reported along with XXXX XXXX for refusing to give me any real information or if it should simply be Pinnacle Credit. I am in great hopes for any help

Company response to consumer: Closed with explanation