Consumer complaint received 2017-04-20
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PINNACLE RECOVERY, INC. (OR)

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, &amp; 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   &amp;  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. &amp; 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 &amp; 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 &amp; 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  &amp; I was not supposed to be under this pressure because of my illness. So, he said just a minute &amp; came right back &amp; 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 &amp; he said no a credit card now. " My husband has a phone credit card &amp; 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