Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Despite the claims that they had previously responded to me, which are not accurate, as they simply responded to the credit reporting bureaus, refusing to give me any of this information directly until you intervened, I am satisfied with the response and agreement to remove this from my credit reportsThank you for your intervention, [redacted]
RE: [redacted] ***; Case/File No [redacted] Reference Numbers: [redacted] ; [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated May 31, regarding the above-referenced accountsPinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts for [redacted] *** [redacted] Services LP (“ [redacted] ”) is the servicer of these accounts owned by PinnaclePlease review the following account information: [redacted] Reference Number: [redacted] Original Creditor: [redacted] This account originated on June 9, with [redacted] This account charged off on November 5, with a balance of $This account was purchased from [redacted] Partnership d/b/a [redacted] on February 18, No payments have been received on this account since Pinnacle acquired it in February The current balance of this account is $We have enclosed the [redacted] Contract Agreement, a bill statement and an account summary on file for this accountAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] This account originated on January 29, with [redacted] This account charged off on January 27, with a balance of $This account was purchased from [redacted] Partnership d/b/a [redacted] on April 29, No payments have been received on this account since Pinnacle acquired it in April The current balance of this account is $We have enclosed a bill statement and an account summary on file for this accountAll ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s)Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reportingCurrently, these accounts are being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of these accounts from the origination dates up to the times of saleRegarding the account ending in ***, the multiple electronic disputes that Mr [redacted] submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for these accounts are being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAfter investigating the account we found no evidence of the mishandlings alleged in the complaintWe apologize for any inconvenience Mr [redacted] may have experiencedMr***’s May 31, complaint contains language [redacted] has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, Resurgent places a restriction on the accounts so that no further written or verbal contact is made to our customerIf, after reviewing the above-referenced information, Mr [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf Mr [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866- [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at 1-888- [redacted] Sincerely, [redacted] *** Complaint Department [redacted] Services L.P Enclosures
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms***: This letter is in response to your correspondence dated May 31, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in *** [redacted] [redacted] Services LP (" [redacted] ") is the servicer of the account owned by PinnacleThe account was previously sold by [redacted] Partnership d/b/a [redacted] on or about December 16, Please review the following account information: This account originated on January 3, with [redacted] This account charged off on August 16, with a balance of $The last payment in the amount of $was received on January 5, We have verified this account was paid in full on January 5, for $The account is considered resolved in our office, and Ms [redacted] should not be contacted by [redacted] or any affiliate companies regarding this accountAll ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported as “Paid in Full” to the three major consumer reporting agencies on behalf of PinnacleAs a courtesy, a request to delete the Pinnacle tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] Complaint Department [redacted] Services L.P
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated June 1, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in *** having acquired it on February 18, [redacted] Services LP (" [redacted] ") is the servicer of the account owned by PinnaclePlease review the following account information: This account originated on June 15, with [redacted] This account charged off on March 10, with a balance of $The last payment in the amount of $was received on July 1, We apologize for any inconvenience Mr [redacted] may have experienced in his attempts to pay this accountOur payment history shows a payment of $was received on July 1, The status of the account was updated to “Paid in Full” on September 8, The account is considered resolved in our office, and Mr [redacted] should not be contacted by [redacted] or any affiliate companies regarding this accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full” will be submitted to the three major consumer reporting agencies during the next reporting cycleIf you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] *** Complaint Department [redacted] Services L.P
RE: *** ** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** ***
"">Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $898.10 Dear Ms***: This letter is in response to your correspondence dated January 7, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on October 1, *** *** Services LP ("***") is the servicer of the account owned by Pinnacle and began servicing it on or about April 18, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 16, with *** ***. This account charged off on October 15, with a balance of $898.10. No payments have been received on this account since Pinnacle acquired it in October 2013. Enclosed is a bill statement and account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnacleHowever, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurPrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Mrs*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her dispute. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is April 15, 2010. Mrs*** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or her responsibility for the balance due on this account. *** does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we found no evidence of mishandlings alleged in the complaint. *** has not made any calls to Mrs***It is ***’s policy to require its servicers and employees to verify the party they are speaking to is the right party to ensure that no account information is provided to an unauthorized third-partyWe apologize for any inconvenience Mrs*** may have experienced. Our records do not indicate Mrs***’s husband is associated with this particular account. In order for us to further investigate her claim that the Pinnacle tradeline for this account is currently reporting on her husband’s credit report, please advise her to send a copy of his credit report showing the Pinnacle tradeline reporting to the address below. Mrs***’s January 7, inquiry contains language *** has interpreted to mean that we cease communication with herWhen a cease and desist request is received by our office, *** places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mrs*** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mrs*** believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mrs*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** MS *** Attn: Complaint Department P.OBox *** Greenville, SC 29603 If Mrs*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department *** *** Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. Basically this gentleman is saying "you have to prove that you don't owe us money," when they have yet to provide any proof that I ever had an account or any services with themInnocent until proven guilty, so show me the proofOtherwise, what's to stop a company from sending bills to a thousand random people and then selling off these invalid accounts to collectors? The onus of proof is on the company claiming a debt and no such proof has been providedShow me a contractShow me a billShow me a phone number I used with ***Show me a piece of paper with my signature on itYou won't be able to, because never in my life have I been a *** customerThis claim is fraudulent and invalidGood day
*** ***
RE: *** ** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** ***
"">Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $1,122.35 Dear Ms***: This letter is in response to your correspondence dated August 11, regarding the above-referenced accountOur response, dated August 22, 2016, was mailed directly to Ms*** using the address provided in the above-referenced complaintWe note a few changes regarding the account from our previous responses below: We advised in our previous response that the Pinnacle tradeline for this account was being reported to the consumer reporting agencies (also known as “credit bureaus”)In the time that has passed since our previous response, a request to delete the Pinnacle tradeline was submitted to the consumer reporting agencies. Additionally, our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on August 20, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. We apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at 1***. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosure
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
RE: *** ** ***; Case/File No*** Previous Creditor: *** Partnership
d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $1,243.90 Dear Ms***: This letter is in response to your correspondence dated December 23, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, *** Capital Services LP ("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,243.90. Please review the following account information: This account originated on May 28, with *** ***. The last payment was received on September 13, 2010. This account charged off on April 13, with a balance of $1,245.89. No payments have been received on this account since Pinnacle acquired it in December 2013. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Verification of the debt was previously provided to Mr*** in October in response to his inquiry via the *** *** *** Bureau (“***”)Enclosed are the bill statement and account summary previously provided to Mr*** as verification of the debtThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Mr*** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr*** believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-*** MS *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, TH*** Complaint Department *** Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me if the terms stated are met and the item is removed from my credit report.
Regards,
*** ***
RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted]
"">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms[redacted]: This letter is in response to your correspondence dated June 1, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] having acquired it on February 18, [redacted] Services LP ("[redacted]") is the servicer of the account owned by PinnaclePlease review the following account information: This account originated on June 15, with [redacted]. This account charged off on March 10, with a balance of $480.11. The last payment in the amount of $was received on July 1, 2016. We apologize for any inconvenience Mr[redacted] may have experienced in his attempts to pay this accountOur payment history shows a payment of $was received on July 1, The status of the account was updated to "Paid in Full" on September 8, The account is considered resolved in our office, and Mr[redacted] should not be contacted by [redacted] or any affiliate companies regarding this accountIn accordance with the Fair Credit Reporting Act ("FCRA"), a request to update this account as "Paid in Full" will be submitted to the three major consumer reporting agencies during the next reporting cycle. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P
RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted]
"">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,335.25 Dear Ms[redacted]: This letter is in response to your correspondence dated May 31, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] Services LP ("[redacted]") is the servicer of the account owned by PinnacleThe account was previously sold by [redacted] Partnership d/b/a [redacted] on or about August 28, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 27, with [redacted]. This account charged off on September 15, with a balance of $1,335.25. No payments have been received on this account since Pinnacle acquired this account in August 2014. Bill statements and an account summary on file for this account are enclosed for review. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as "credit bureaus") in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] received the electronic dispute that Ms[redacted] submitted through one or more consumer reporting agencies[redacted] has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as "disputed" to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. If, after reviewing the above-referenced information, Ms[redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms[redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms[redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: ###-###-#### MS [redacted] Attn: Complaint Department P.OBox [redacted] [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ###-###-####. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] d/b/a [redacted]
"">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $557.44 Dear Ms[redacted]: This letter is in response to your correspondence dated December 16, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on February 18, [redacted] Services LP ("[redacted]") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on July 26, with [redacted]. This account charged off on May 23, with a balance of $742.44. The last payment was received on July 5, 2011. No payments have been received on this account since Pinnacle acquired it in February 2014. Enclosed are bill statements and an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as "credit bureaus") in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of saleOur records do not indicate that a request to delete the Pinnacle tradeline was ever sent to the three consumer reporting agenciesWe apologize for the inconvenience. [redacted] received the multiple electronic disputes that Mr[redacted] submitted through one or more consumer reporting agencies[redacted] has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as "disputed" to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr[redacted]'s letter asserts that Pinnacle "re-ages" accountsPlease be advised that for purchased debt, the consumer reporting agencies use the "Open Date" field only to reflect the date that the account was purchasedThe "Open Date" is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the "Date of First Delinquency" that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe "Date of First Delinquency" for this account is November 23, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies on or about August 2017. As part of our investigation, we reached out to the original creditor to verify Mr. [redacted]'s claim that this account was paid prior to Pinnacle's acquisitionIf we learn anything to substantiate his claim, we will update the account accordinglyIf Mr[redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr[redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] [redacted] Attn: Complaint Department P.OBox [redacted] [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, TH[redacted] Complaint Department [redacted] Services L.P. Enclosures
RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] font-family: Verdana;">Dear Ms. [redacted]: This letter is in response to your correspondence dated January 10, 2017 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts for Ms. [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle and began servicing them on or about April 18, 2016. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on April 13, 2009 with [redacted]. 2. The “Date of First Delinquency” for this account is May 8, 2010. 3. This account charged off on November 8, 2010 with a balance of $183.89. 4. This account was purchased from [redacted] d/b/a [redacted] on June 20, 2013. 5. No payments have been received on this account since Pinnacle acquired it in June 2013. 6. The current balance of this account is $183.89. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on August 13, 2010 with [redacted]. 2. The “Date of First Delinquency” for this acocunt is August 13, 2010. 3. This account charged off on January 24, 2011 with a balance of $724.36. 4. This account was purchased from [redacted] d/b/a [redacted] on October 1, 2013. 5. No payments have been received on this account since Pinnacle acquired it in October 2013. 6. The current balance of this account is $724.36. All ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reporting. Currently, these accounts are being reported as “disputed” to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of these accounts from the origination dates up to the times of sale. However, since the legal time limit for bureau reporting is approaching on these accounts, a request to delete the Pinnacle tradelines will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. [redacted] complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Pinnacle utilizes third party collection agencies to service accounts on its behalf. These accounts have been placed with one of more of these third-party collection agencies since they were acquired by Pinnacle. Any notification requirements for these accounts would have been met by these collection agencies. We are providing the enclosed bill statement and account summary as verification of debt for account number ending in [redacted] in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. The enclosed letter containing verification of debt for account number ending in [redacted] was mailed to Ms. [redacted] on November 16, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing a bill statement as further verification of debt for the account number ending in [redacted]. If, after reviewing the above-referenced information, Ms. [redacted] believes these accounts are fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms. [redacted] believes that these accounts were previously paid or satisfied in full, please advise her to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department [redacted] Services L.P Enclosures
RE: [redacted]. [redacted]; Case/File No. [redacted] Reference Numbers: [redacted]; [redacted] font-family: Verdana;">Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts for [redacted]. [redacted]. [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle. Please review the following account information:
[redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on June 9, 2008 with [redacted]. 2. This account charged off on November 5, 2010 with a balance of $838.14. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on February 18, 2014. 4. No payments have been received on this account since Pinnacle acquired it in February 2014. 5. The current balance of this account is $838.14. We have enclosed the [redacted] Contract Agreement, a bill statement and an account summary on file for this account. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on January 29, 2011 with [redacted]. 2. This account charged off on January 27, 2012 with a balance of $650.67. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on April 29, 2014. 4. No payments have been received on this account since Pinnacle acquired it in April 2014. 5. The current balance of this account is $650.67. 6. We have enclosed a bill statement and an account summary on file for this account. All ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of these accounts from the origination dates up to the times of sale. Regarding the account ending in [redacted], the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for these accounts are being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced. Mr. [redacted]’s May 31, 2016 complaint contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr. [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P Enclosures
Dear Ms. [redacted]: This letter is in response to your correspondence dated October...
4, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on December 20, 2013. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,284.24. Please review the following account information: 1. This account originated on November 14, 2005 with [redacted]. 2. This account charged off on July 27, 2011 with a balance of $1,284.24. 3. The last payment was received on March 7, 2011. 4. No payments have been received on this account since Pinnacle acquired it in December 2013. 5. Enclosed is a bill statement and account summary on file for this account on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. [redacted] has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr. [redacted]’s letter asserts that Pinnacle “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is January 27, 2011. A request to delete the Pinnacle tradeline will be submitted on or about October 2017. Our records indicate that Mr. [redacted] submitted a notice requesting that we cease communication with him to our third-party servicer on October 3, 2016. When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted]. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] on or about December 16, 2014. Please review the following account information: 1. This account originated on January 3, 2001 with [redacted]. 2. This account charged off on August 16, 2012 with a balance of $322.91 3. The last payment in the amount of $172.91 was received on January 5, 2015. We have verified this account was paid in full on January 5, 2015 for $172.91. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by [redacted] or any affiliate companies regarding this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as “Paid in Full” to the three major consumer reporting agencies on behalf of Pinnacle. As a courtesy, a request to delete the Pinnacle tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for these updates to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Despite the claims that they had previously responded to me, which are not accurate, as they simply responded to the credit reporting bureaus, refusing to give me any of this information directly until you intervened, I am satisfied with the response and agreement to remove this from my credit reportsThank you for your intervention, [redacted]
RE: [redacted] ***; Case/File No [redacted] Reference Numbers: [redacted] ; [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated May 31, regarding the above-referenced accountsPinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts for [redacted] *** [redacted] Services LP (“ [redacted] ”) is the servicer of these accounts owned by PinnaclePlease review the following account information: [redacted] Reference Number: [redacted] Original Creditor: [redacted] This account originated on June 9, with [redacted] This account charged off on November 5, with a balance of $This account was purchased from [redacted] Partnership d/b/a [redacted] on February 18, No payments have been received on this account since Pinnacle acquired it in February The current balance of this account is $We have enclosed the [redacted] Contract Agreement, a bill statement and an account summary on file for this accountAccount Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] This account originated on January 29, with [redacted] This account charged off on January 27, with a balance of $This account was purchased from [redacted] Partnership d/b/a [redacted] on April 29, No payments have been received on this account since Pinnacle acquired it in April The current balance of this account is $We have enclosed a bill statement and an account summary on file for this accountAll ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s)Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reportingCurrently, these accounts are being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of these accounts from the origination dates up to the times of saleRegarding the account ending in ***, the multiple electronic disputes that Mr [redacted] submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for these accounts are being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debtsAfter investigating the account we found no evidence of the mishandlings alleged in the complaintWe apologize for any inconvenience Mr [redacted] may have experiencedMr***’s May 31, complaint contains language [redacted] has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, Resurgent places a restriction on the accounts so that no further written or verbal contact is made to our customerIf, after reviewing the above-referenced information, Mr [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdfIf Mr [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866- [redacted] MS [redacted] Attn: Complaint Department P.OBox *** Greenville, SC If you have any further questions, comments or concerns, please contact Customer Service at 1-888- [redacted] Sincerely, [redacted] *** Complaint Department [redacted] Services L.P Enclosures
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms***: This letter is in response to your correspondence dated May 31, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in *** [redacted] [redacted] Services LP (" [redacted] ") is the servicer of the account owned by PinnacleThe account was previously sold by [redacted] Partnership d/b/a [redacted] on or about December 16, Please review the following account information: This account originated on January 3, with [redacted] This account charged off on August 16, with a balance of $The last payment in the amount of $was received on January 5, We have verified this account was paid in full on January 5, for $The account is considered resolved in our office, and Ms [redacted] should not be contacted by [redacted] or any affiliate companies regarding this accountAll ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported as “Paid in Full” to the three major consumer reporting agencies on behalf of PinnacleAs a courtesy, a request to delete the Pinnacle tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for these updates to occurWe apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] Complaint Department [redacted] Services L.P
RE: [redacted] ***; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated June 1, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in *** having acquired it on February 18, [redacted] Services LP (" [redacted] ") is the servicer of the account owned by PinnaclePlease review the following account information: This account originated on June 15, with [redacted] This account charged off on March 10, with a balance of $The last payment in the amount of $was received on July 1, We apologize for any inconvenience Mr [redacted] may have experienced in his attempts to pay this accountOur payment history shows a payment of $was received on July 1, The status of the account was updated to “Paid in Full” on September 8, The account is considered resolved in our office, and Mr [redacted] should not be contacted by [redacted] or any affiliate companies regarding this accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full” will be submitted to the three major consumer reporting agencies during the next reporting cycleIf you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] *** Complaint Department [redacted] Services L.P
RE: *** ** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** ***
"">Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $898.10 Dear Ms***: This letter is in response to your correspondence dated January 7, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on October 1, *** *** Services LP ("***") is the servicer of the account owned by Pinnacle and began servicing it on or about April 18, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 16, with *** ***. This account charged off on October 15, with a balance of $898.10. No payments have been received on this account since Pinnacle acquired it in October 2013. Enclosed is a bill statement and account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnacleHowever, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurPrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Mrs*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her dispute. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is April 15, 2010. Mrs*** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or her responsibility for the balance due on this account. *** does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account, we found no evidence of mishandlings alleged in the complaint. *** has not made any calls to Mrs***It is ***’s policy to require its servicers and employees to verify the party they are speaking to is the right party to ensure that no account information is provided to an unauthorized third-partyWe apologize for any inconvenience Mrs*** may have experienced. Our records do not indicate Mrs***’s husband is associated with this particular account. In order for us to further investigate her claim that the Pinnacle tradeline for this account is currently reporting on her husband’s credit report, please advise her to send a copy of his credit report showing the Pinnacle tradeline reporting to the address below. Mrs***’s January 7, inquiry contains language *** has interpreted to mean that we cease communication with herWhen a cease and desist request is received by our office, *** places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mrs*** believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mrs*** believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mrs*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** MS *** Attn: Complaint Department P.OBox *** Greenville, SC 29603 If Mrs*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department *** *** Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. Basically this gentleman is saying "you have to prove that you don't owe us money," when they have yet to provide any proof that I ever had an account or any services with themInnocent until proven guilty, so show me the proofOtherwise, what's to stop a company from sending bills to a thousand random people and then selling off these invalid accounts to collectors? The onus of proof is on the company claiming a debt and no such proof has been providedShow me a contractShow me a billShow me a phone number I used with ***Show me a piece of paper with my signature on itYou won't be able to, because never in my life have I been a *** customerThis claim is fraudulent and invalidGood day
*** ***
RE: *** ** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** ***
"">Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $1,122.35 Dear Ms***: This letter is in response to your correspondence dated August 11, regarding the above-referenced accountOur response, dated August 22, 2016, was mailed directly to Ms*** using the address provided in the above-referenced complaintWe note a few changes regarding the account from our previous responses below: We advised in our previous response that the Pinnacle tradeline for this account was being reported to the consumer reporting agencies (also known as “credit bureaus”)In the time that has passed since our previous response, a request to delete the Pinnacle tradeline was submitted to the consumer reporting agencies. Additionally, our records indicate that Ms*** submitted a notice requesting that we cease communication with her to this office on August 20, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. We apologize for any inconvenienceIf you have any further questions, comments or concerns, please contact Customer Service at 1***. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosure
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
RE: *** ** ***; Case/File No*** Previous Creditor: *** Partnership
d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $1,243.90 Dear Ms***: This letter is in response to your correspondence dated December 23, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, *** Capital Services LP ("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,243.90. Please review the following account information: This account originated on May 28, with *** ***. The last payment was received on September 13, 2010. This account charged off on April 13, with a balance of $1,245.89. No payments have been received on this account since Pinnacle acquired it in December 2013. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Verification of the debt was previously provided to Mr*** in October in response to his inquiry via the *** *** *** Bureau (“***”)Enclosed are the bill statement and account summary previously provided to Mr*** as verification of the debtThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Mr*** believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr*** believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-*** MS *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, TH*** Complaint Department *** Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me if the terms stated are met and the item is removed from my credit report.
Regards,
*** ***
RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted]
"">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms[redacted]: This letter is in response to your correspondence dated June 1, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] having acquired it on February 18, [redacted] Services LP ("[redacted]") is the servicer of the account owned by PinnaclePlease review the following account information: This account originated on June 15, with [redacted]. This account charged off on March 10, with a balance of $480.11. The last payment in the amount of $was received on July 1, 2016. We apologize for any inconvenience Mr[redacted] may have experienced in his attempts to pay this accountOur payment history shows a payment of $was received on July 1, The status of the account was updated to "Paid in Full" on September 8, The account is considered resolved in our office, and Mr[redacted] should not be contacted by [redacted] or any affiliate companies regarding this accountIn accordance with the Fair Credit Reporting Act ("FCRA"), a request to update this account as "Paid in Full" will be submitted to the three major consumer reporting agencies during the next reporting cycle. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P
RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted]
"">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,335.25 Dear Ms[redacted]: This letter is in response to your correspondence dated May 31, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] Services LP ("[redacted]") is the servicer of the account owned by PinnacleThe account was previously sold by [redacted] Partnership d/b/a [redacted] on or about August 28, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 27, with [redacted]. This account charged off on September 15, with a balance of $1,335.25. No payments have been received on this account since Pinnacle acquired this account in August 2014. Bill statements and an account summary on file for this account are enclosed for review. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as "credit bureaus") in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] received the electronic dispute that Ms[redacted] submitted through one or more consumer reporting agencies[redacted] has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as "disputed" to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. If, after reviewing the above-referenced information, Ms[redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms[redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms[redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: ###-###-#### MS [redacted] Attn: Complaint Department P.OBox [redacted] [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ###-###-####. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
RE: [redacted]; Case/File No[redacted] Previous Creditor: [redacted] d/b/a [redacted]
"">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $557.44 Dear Ms[redacted]: This letter is in response to your correspondence dated December 16, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on February 18, [redacted] Services LP ("[redacted]") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on July 26, with [redacted]. This account charged off on May 23, with a balance of $742.44. The last payment was received on July 5, 2011. No payments have been received on this account since Pinnacle acquired it in February 2014. Enclosed are bill statements and an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose include the right to collect on the account and report to the consumer reporting agencies (also known as "credit bureaus") in the event that the account is eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of saleOur records do not indicate that a request to delete the Pinnacle tradeline was ever sent to the three consumer reporting agenciesWe apologize for the inconvenience. [redacted] received the multiple electronic disputes that Mr[redacted] submitted through one or more consumer reporting agencies[redacted] has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as "disputed" to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr[redacted]'s letter asserts that Pinnacle "re-ages" accountsPlease be advised that for purchased debt, the consumer reporting agencies use the "Open Date" field only to reflect the date that the account was purchasedThe "Open Date" is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the "Date of First Delinquency" that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe "Date of First Delinquency" for this account is November 23, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies on or about August 2017. As part of our investigation, we reached out to the original creditor to verify Mr. [redacted]'s claim that this account was paid prior to Pinnacle's acquisitionIf we learn anything to substantiate his claim, we will update the account accordinglyIf Mr[redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr[redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] [redacted] Attn: Complaint Department P.OBox [redacted] [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, TH[redacted] Complaint Department [redacted] Services L.P. Enclosures
RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] font-family: Verdana;">Dear Ms. [redacted]: This letter is in response to your correspondence dated January 10, 2017 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts for Ms. [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle and began servicing them on or about April 18, 2016. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on April 13, 2009 with [redacted]. 2. The “Date of First Delinquency” for this account is May 8, 2010. 3. This account charged off on November 8, 2010 with a balance of $183.89. 4. This account was purchased from [redacted] d/b/a [redacted] on June 20, 2013. 5. No payments have been received on this account since Pinnacle acquired it in June 2013. 6. The current balance of this account is $183.89. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on August 13, 2010 with [redacted]. 2. The “Date of First Delinquency” for this acocunt is August 13, 2010. 3. This account charged off on January 24, 2011 with a balance of $724.36. 4. This account was purchased from [redacted] d/b/a [redacted] on October 1, 2013. 5. No payments have been received on this account since Pinnacle acquired it in October 2013. 6. The current balance of this account is $724.36. All ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reporting. Currently, these accounts are being reported as “disputed” to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of these accounts from the origination dates up to the times of sale. However, since the legal time limit for bureau reporting is approaching on these accounts, a request to delete the Pinnacle tradelines will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. [redacted] complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Pinnacle utilizes third party collection agencies to service accounts on its behalf. These accounts have been placed with one of more of these third-party collection agencies since they were acquired by Pinnacle. Any notification requirements for these accounts would have been met by these collection agencies. We are providing the enclosed bill statement and account summary as verification of debt for account number ending in [redacted] in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. The enclosed letter containing verification of debt for account number ending in [redacted] was mailed to Ms. [redacted] on November 16, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing a bill statement as further verification of debt for the account number ending in [redacted]. If, after reviewing the above-referenced information, Ms. [redacted] believes these accounts are fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms. [redacted] believes that these accounts were previously paid or satisfied in full, please advise her to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department [redacted] Services L.P Enclosures
RE: [redacted]. [redacted]; Case/File No. [redacted] Reference Numbers: [redacted]; [redacted] font-family: Verdana;">Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts for [redacted]. [redacted]. [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle. Please review the following account information:
[redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on June 9, 2008 with [redacted]. 2. This account charged off on November 5, 2010 with a balance of $838.14. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on February 18, 2014. 4. No payments have been received on this account since Pinnacle acquired it in February 2014. 5. The current balance of this account is $838.14. We have enclosed the [redacted] Contract Agreement, a bill statement and an account summary on file for this account. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on January 29, 2011 with [redacted]. 2. This account charged off on January 27, 2012 with a balance of $650.67. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on April 29, 2014. 4. No payments have been received on this account since Pinnacle acquired it in April 2014. 5. The current balance of this account is $650.67. 6. We have enclosed a bill statement and an account summary on file for this account. All ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reporting. Currently, these accounts are being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of these accounts from the origination dates up to the times of sale. Regarding the account ending in [redacted], the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for these accounts are being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced. Mr. [redacted]’s May 31, 2016 complaint contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes these accounts are fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr. [redacted] believes that these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P Enclosures
Dear Ms. [redacted]: This letter is in response to your correspondence dated October...
4, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on December 20, 2013. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,284.24. Please review the following account information: 1. This account originated on November 14, 2005 with [redacted]. 2. This account charged off on July 27, 2011 with a balance of $1,284.24. 3. The last payment was received on March 7, 2011. 4. No payments have been received on this account since Pinnacle acquired it in December 2013. 5. Enclosed is a bill statement and account summary on file for this account on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. [redacted] has responded in a timely manner and provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr. [redacted]’s letter asserts that Pinnacle “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is January 27, 2011. A request to delete the Pinnacle tradeline will be submitted on or about October 2017. Our records indicate that Mr. [redacted] submitted a notice requesting that we cease communication with him to our third-party servicer on October 3, 2016. When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted]. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] on or about December 16, 2014. Please review the following account information: 1. This account originated on January 3, 2001 with [redacted]. 2. This account charged off on August 16, 2012 with a balance of $322.91 3. The last payment in the amount of $172.91 was received on January 5, 2015. We have verified this account was paid in full on January 5, 2015 for $172.91. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by [redacted] or any affiliate companies regarding this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as “Paid in Full” to the three major consumer reporting agencies on behalf of Pinnacle. As a courtesy, a request to delete the Pinnacle tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for these updates to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.