Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MS

Complaint narrative:
* * Subject : * * CFPB Complaint Duplicate and Unverifiable Debt Reporting ( Pinnacle Bank XXXX XXXX XXXX XXXX ) To : Consumer Financial Protection Bureau I am filing a formal complaint regarding inaccurate, duplicative, and legally unverifiable credit reporting by Pinnacle Bank ( formerly Synovus Bank ) and XXXX XXXX XXXX. -- - * * Accounts in Dispute : * * XXXX. Pinnacle Bank ( formerly Synovus Bank ) Account Number : XXXX Status : Charged Off / Transferred or Sold Charge-Off Amount : {$490.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account Reported Balance : {$490.00} -- - # # # * * VIOLATIONS AND BASIS FOR IMMEDIATE DELETION * * * * XXXX. DUPLICATE AND MISLEADING REPORTING FCRA XXXX ( b ) * * Both the original creditor and a third-party debt buyer are reporting the same account, with the same balance and delinquency date. This creates duplicative and misleading reporting that artificially inflates negative credit impact. -- - * * XXXX. FAILURE TO VERIFY ACCOUNT FCRA XXXX ( a ) * * Neither tradeline contains verifiable payment history. The Pinnacle Bank account reports No data returned for Payment History, and the XXXX Funding account contains only minimal collection codes. Without payment history, neither account can be verified. -- - * * XXXX. FAILURE TO ESTABLISH LEGAL OWNERSHIP * * Pinnacle Bank reports the account as transferred or sold, while XXXX XXXX XXXX claims ownership. However, no documentation has been provided establishing a complete chain of assignment or legal authority to collect or report this debt. -- - * * XXXX. FAILURE TO PROVIDE ORIGINAL SIGNED AGREEMENT * * I formally dispute the validity of this alleged debt and demand : * Original signed agreement bearing my wet signature * Full account documentation from the original creditor * Complete chain of assignment documentation Neither furnisher has provided any competent evidence establishing contractual liability. -- - * * XXXX. UNVERIFIABLE DATE OF FIRST DELINQUENCY FCRA XXXX ( c ) * * Both accounts report the same Date of First Delinquency without any supporting payment history or documentation. This renders the reporting timeline unreliable and potentially unlawful. -- - * * XXXX. INCOMPLETE AND NONCOMPLIANT REPORTING XXXX XXXX VIOLATIONS * * Both tradelines are missing required data fields, including payment history, account activity, and balance calculations. This renders the accounts incomplete and inaccurate. -- - * * XXXX. FAILURE OF REASONABLE INVESTIGATION FCRA XXXX ( a ) * * It appears that verification has been conducted through automated systems rather than review of actual documentation. This does not meet the legal standard for a reasonable reinvestigation. -- - # # # * * LIMITATION OF PERMISSIBLE ACTION * * This complaint is not a request to correct or update these tradelines. The only lawful outcomes are : XXXX. Full verification with complete documentation XXXX. XXXX deletion of both tradelines Any attempt to modify or update the tradelines without providing full documentation constitutes willful noncompliance. -- - # # # * * DEMAND FOR RELIEF * * I demand : Immediate deletion of both tradelines from all consumer reporting agencies Production of the original signed agreement bearing my wet signature Complete chain of assignment documentation Full payment history and account records Written confirmation of deletion Failure to comply constitutes willful noncompliance under FCRA XXXX and negligent noncompliance under XXXX. I reserve all rights to pursue further legal remedies. -- - This complaint requires formal investigation and response.

Company response to consumer: Closed with explanation