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 reports Thank you for your intervention, [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
Dear Ms***: This letter is in response to your correspondence dated August 29, 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] (" [redacted] ") on or about April 29, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 13, with [redacted] This account charged off on January 6, with a balance of $No payments have been received on this account since Pinnacle purchased the account in April 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 as disputed to the three major consumer reporting agencies on behalf of PinnacleHowever, after investigating the 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 saleThe 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 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 removedThe term “open” in Mr [redacted] ’ credit report is not meant to indicate that the account is open or can be usedThe term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demandBecause the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio typeIf Mr [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agenciesMr [redacted] ’ complaint references an individual named [redacted] in connection with his credit reportOur recordings indicate that this individual is not associated with this accountWe are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, 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 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 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 fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [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- [redacted] Sincerely, [redacted] *** Complaint Department [redacted] Services L.PEnclosures
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
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: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated June 21, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, Resurgent Capital Services LP ("Resurgent") 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 $1,Please review the following account information: This account originated on April 22, with [redacted] This account charged off on December 1, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in April 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 saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent 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 removedResurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteWe are providing the enclosed bill statements and an account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, 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 matterIf 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 fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] - [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Pinnacle: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence received August 17, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on June 20, Resurgent Capital Services LP ("Resurgent") 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 October 1, with [redacted] This account charged off on September 29, with a balance of $No payments have been received on this account since Pinnacle acquired it in June Enclosed is a bill statement and an account summary on file for this accountPinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, Pinnacle is not reporting the account to the major consumer reporting agenciesResurgent, as servicer for Pinnacle, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by PinnacleThis account was previously placed with [redacted] Collection Bureau, IncWe have confirmed with our third-party servicer that they are not reporting this account to any of the three major credit reporting agencies on behalf of PinnaclePlease be advised that we are unable to alter the credit reporting of another creditorMs [redacted] should contact the appropriate consumer reporting agencies regarding any information she believes is being reported in errorIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I read your response and I also sent it over to my attorneyWe disagree and do not accept your responseAs I had stated previously in my complaint, My attorney has done all the reviewing and investigation that is needed and has determined that in fact, that this account is indeed over years oldFurthermore Since the original Creditors( [redacted] ) has sold the account/debt to Pinnacle, then [redacted] and then now to your company, the contract( [redacted] ) is voidBecause there wasn't any contracts after [redacted] sold it to PinnacleWhich [redacted] no longer has the account and I have the letter to prove it [redacted] then wrote off the debt on their taxes which wrote off MY obligation to payMeaning the dispute reason is " contract is cancelled" or "No contract"Which this happened when [redacted] did the hand off to all three of the collection agencies(including yours)And then [redacted] sent it back to you, which means hand offs and NO CONTRACT And furthermore, Pinnacle is showing up on all of my credit reportsYou even stated in your letter that [redacted] DID sale the debt And because of this , it immediately wrote off my obligation to payIt is in your best interest and Pinnacle's, to delete/remove this account EFFECTIVE IMMEDIATELY from all credit bureaus THIS ISN'T NEGOTIABLE And since AB [redacted] does not have the title at the end of his/her name of Attorney at Law, then I highly doubt that they know anythingMy attorney has been working with me over the last monthsI will be more then happy for my attorney to call your office and fill you in on the same information that I have been giving you PLEASE REMOVE/DELETE THIS ACCOUNT IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ 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]
March 6, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Mr [redacted] dated March 2, regarding the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by PinnacleResurgent has received and reviewed Mr [redacted] ’s March 2, disputeOur records indicate that we have already received and responded to a previous inquiry dated February 22, which is substantially the same as his March 2, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs advised in our previous response, Pinnacle is not reporting the account to the major credit reporting agencies as a request to delete the Pinnacle tradeline for this account was submitted to the three major consumer reporting agencies on or about October 4, If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Wireless Original Creditor: [redacted] Wireless Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated October 25, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on January 27, [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 March 12, with [redacted] WirelessUpon information and belief, [redacted] Wireless is located at the below address: [redacted] Wireless [redacted] Way [redacted] ***, NJ This account charged off on July 22, with a balance of $No payments have been received on this account since Pinnacle acquired it in January Enclosed is an account summary on file for 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 in the event that the account is eligible for credit reportingCurrently, Pinnacle is not reporting the account to the major consumer reporting agencies [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 debtsAccordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we found no evidence of the mishandlings alleged in the complaintWe apologize for any inconvenience Mr [redacted] may have experienced regarding the collection of this account [redacted] complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteMr [redacted] ’s October 25, inquiry contains language [redacted] has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customerIf, 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 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 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 fullIn 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] , SC If you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] Complaint Department [redacted] Services L.PEnclosures ACCOUNT SUMMARY REPORT10/26/8:39:AMThis account summary has been prepared by [redacted] Capital Services on behalf of Pinnacle Credit Services, LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner Pinnacle Credit Services, LLCAddress: [redacted] Ln [redacted] Reference # [redacted] City: [redacted] Original Creditor [redacted] WirelessState: MN Account Number [redacted] Zip Code: [redacted] Current Balance Due $63.77Historical Account InformationThe original creditor for this account was: [redacted] WirelessThe origination date with original creditor was: 03/12/2006The account charge-off date was: 07/22/2006The account charge-off amount was: $63.77The account was acquired on or about: 01/27/2009The account was acquired from: [redacted] d/b/a [redacted] WirelessThe account balance at time of acquisition: $63.77This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
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,Dear Ms [redacted] : This letter is in response to your correspondence dated April 4, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle, and began servicing it on April 18, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on January 15, with [redacted] This account charged off on December 19, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in December Enclosed are bill statements and an account summary on file for 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, Pinnacle is not reporting the account to the major consumer reporting agencies as a request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies on or about March due to the expiration of the permissible reporting periodThe 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 disputeMr [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 June 19, A request to delete the Pinnacle tradeline was submitted to the consumer reporting agencies in March Resurgent has reviewed the allegation in Mr [redacted] ’s inquiry that the above referenced account was discharged in bankruptcyOur records indicate that this account was opened after Mr [redacted] ’s bankruptcy was filed, and therefore was not included in his bankruptcyOur records indicate that we received a notice from Mr [redacted] requesting that we cease communication with him to this office on January 11, 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 customerIf 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 fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute and/or bankruptcy, please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, TH*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
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: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated January 2, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, [redacted] Services LP (" [redacted] ") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on January 30, with [redacted] This account charged off on January 15, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in April Enclosed are bill statements and an account summary on file for this accountWe note that the bill statements are addressed to [redacted] ***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 saleThe 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 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 removedIf, 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 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 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 fullIn 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] , SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1- [redacted] Sincerely, AW*** Complaint Department [redacted] Services L.PEnclosures
October 18, 2017Cindy R [redacted] RevDex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $234.59Dear Ms. R***:This letter is in response to your correspondence received October 11, 2017 regarding the above- referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $234.59. Please review the following account information:1. This account originated on January 18, 2011 with [redacted] . 2. This account charged off on March 9, 2012 with a balance of $234.59. 3. No payments have been received on this account since Pinnacle acquired it in April 2014. 4. Enclosed are bill statements and an account summary on file for this account.Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle.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. 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. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is September 9, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in June 2018.Ms. ***’ October 11, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer.Regarding Ms. ***’ claim that this account was paid and transferred into someone else’s name, we ask that she provide documentation showing that the account was transferred so that we may further investigate her claim. Documentation may be forwarded to the address below. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then 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, then please forward it to:Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.O. Box [redacted] , SC 29603If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] .Sincerely,A. J [redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: [redacted] Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated October 5, regarding the above-referenced account [redacted] Credit Services, LLC (" [redacted] ") owns the account number ending in ***, having acquired it on April 29, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted] As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 9, with [redacted] This account charged off on November 22, with a balance of $No payments have been received on this account since [redacted] acquired it in April After investigating the account, Resurgent has made the business decision to close the accountAdditionally, a request to delete the [redacted] tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update 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 Resurgent Capital 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 Regards, [redacted] ***
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: $Dear Ms [redacted] : This letter is in response to your correspondence received July 28, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on June 19, Resurgent Capital Services LP ("Resurgent") 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 7, with [redacted] This account charged off on September 9, with a balance of $No payments have been received on this account since Pinnacle acquired it in June Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnacleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent 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 removedThe enclosed letter dated May 12, containing the validation notice was mailed to Ms [redacted] as well as the enclosed letter dated May 12, 2017containing verification of debtAdditionally, we are providing the enclosed bill statements on file for the accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on June 28, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
This debt was written off and sold to the collection agency who I have no contract with I don't think they are a servicer They bought this debt from [redacted] I have since acquired new service with [redacted]
Dear Ms***: This letter is in response to your correspondence dated August 26, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account having acquired it on June 19, 2014. *** *** Services LP ("***") is the servicer
of the account owned by PinnacleAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 5, with Verizon Wireless. This account charged off on February 9, with a balance of $1,088.86. No payments have been received on this account since Pinnacle purchased it in June 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 reporting. Currently, 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. Ms***’s August 26, complaint 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, Ms*** 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*** 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*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosures
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 have determined that this does not resolve my complaint.
Regards,
*** *** I have not received a signed contract where I engaged in business with
Pinnacle or ResurgentI am not liable for this account with the collection agencies
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 reports Thank you for your intervention, [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
Dear Ms***: This letter is in response to your correspondence dated August 29, 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] (" [redacted] ") on or about April 29, As of the date of this communication, the account balance is $Please review the following account information: This account originated on February 13, with [redacted] This account charged off on January 6, with a balance of $No payments have been received on this account since Pinnacle purchased the account in April 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 as disputed to the three major consumer reporting agencies on behalf of PinnacleHowever, after investigating the 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 saleThe 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 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 removedThe term “open” in Mr [redacted] ’ credit report is not meant to indicate that the account is open or can be usedThe term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demandBecause the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio typeIf Mr [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agenciesMr [redacted] ’ complaint references an individual named [redacted] in connection with his credit reportOur recordings indicate that this individual is not associated with this accountWe are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, 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 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 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 fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [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- [redacted] Sincerely, [redacted] *** Complaint Department [redacted] Services L.PEnclosures
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
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: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated June 21, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, Resurgent Capital Services LP ("Resurgent") 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 $1,Please review the following account information: This account originated on April 22, with [redacted] This account charged off on December 1, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in April 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 saleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent 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 removedResurgent complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteWe are providing the enclosed bill statements and an account summary as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(U.S.C.§ 1692(g)) and applicable state and local requirementsIf, 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 matterIf 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 fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
RE: [redacted] - [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Pinnacle: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence received August 17, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on June 20, Resurgent Capital Services LP ("Resurgent") 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 October 1, with [redacted] This account charged off on September 29, with a balance of $No payments have been received on this account since Pinnacle acquired it in June Enclosed is a bill statement and an account summary on file for this accountPinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, Pinnacle is not reporting the account to the major consumer reporting agenciesResurgent, as servicer for Pinnacle, utilizes third-party servicers to service accounts on its behalfThis account has been placed with one or more of these third-party servicers since it was acquired by PinnacleThis account was previously placed with [redacted] Collection Bureau, IncWe have confirmed with our third-party servicer that they are not reporting this account to any of the three major credit reporting agencies on behalf of PinnaclePlease be advised that we are unable to alter the credit reporting of another creditorMs [redacted] should contact the appropriate consumer reporting agencies regarding any information she believes is being reported in errorIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I read your response and I also sent it over to my attorneyWe disagree and do not accept your responseAs I had stated previously in my complaint, My attorney has done all the reviewing and investigation that is needed and has determined that in fact, that this account is indeed over years oldFurthermore Since the original Creditors( [redacted] ) has sold the account/debt to Pinnacle, then [redacted] and then now to your company, the contract( [redacted] ) is voidBecause there wasn't any contracts after [redacted] sold it to PinnacleWhich [redacted] no longer has the account and I have the letter to prove it [redacted] then wrote off the debt on their taxes which wrote off MY obligation to payMeaning the dispute reason is " contract is cancelled" or "No contract"Which this happened when [redacted] did the hand off to all three of the collection agencies(including yours)And then [redacted] sent it back to you, which means hand offs and NO CONTRACT And furthermore, Pinnacle is showing up on all of my credit reportsYou even stated in your letter that [redacted] DID sale the debt And because of this , it immediately wrote off my obligation to payIt is in your best interest and Pinnacle's, to delete/remove this account EFFECTIVE IMMEDIATELY from all credit bureaus THIS ISN'T NEGOTIABLE And since AB [redacted] does not have the title at the end of his/her name of Attorney at Law, then I highly doubt that they know anythingMy attorney has been working with me over the last monthsI will be more then happy for my attorney to call your office and fill you in on the same information that I have been giving you PLEASE REMOVE/DELETE THIS ACCOUNT IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ 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]
March 6, Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-RE: [redacted] ; Case/File No [redacted] Reference Number: [redacted] Dear MsR***: This letter is in response to the additional concerns submitted by Mr [redacted] dated March 2, regarding the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***Resurgent Capital Services L.P(“Resurgent”) is the servicer of the account owned by PinnacleResurgent has received and reviewed Mr [redacted] ’s March 2, disputeOur records indicate that we have already received and responded to a previous inquiry dated February 22, which is substantially the same as his March 2, disputeBecause his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the disputeAs advised in our previous response, Pinnacle is not reporting the account to the major credit reporting agencies as a request to delete the Pinnacle tradeline for this account was submitted to the three major consumer reporting agencies on or about October 4, If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, AB*** Compliance Department Resurgent Capital Services L.P
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Wireless Original Creditor: [redacted] Wireless Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $Dear Ms [redacted] : This letter is in response to your correspondence dated October 25, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on January 27, [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 March 12, with [redacted] WirelessUpon information and belief, [redacted] Wireless is located at the below address: [redacted] Wireless [redacted] Way [redacted] ***, NJ This account charged off on July 22, with a balance of $No payments have been received on this account since Pinnacle acquired it in January Enclosed is an account summary on file for 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 in the event that the account is eligible for credit reportingCurrently, Pinnacle is not reporting the account to the major consumer reporting agencies [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 debtsAccordingly, we expect the same of the servicers collecting on our behalfAfter investigating the account, we found no evidence of the mishandlings alleged in the complaintWe apologize for any inconvenience Mr [redacted] may have experienced regarding the collection of this account [redacted] complies with all applicable regulatory and licensing requirements in each state where it operatesSpecific information regarding licensing can be found on the appropriate regulator’s websiteMr [redacted] ’s October 25, inquiry contains language [redacted] has interpreted to mean that we cease communication with himWhen a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customerIf, 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 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 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 fullIn 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] , SC If you have any further questions, comments or concerns, please contact Customer Service at 1- [redacted] Sincerely, [redacted] Complaint Department [redacted] Services L.PEnclosures ACCOUNT SUMMARY REPORT10/26/8:39:AMThis account summary has been prepared by [redacted] Capital Services on behalf of Pinnacle Credit Services, LLCIt is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted] Owner Pinnacle Credit Services, LLCAddress: [redacted] Ln [redacted] Reference # [redacted] City: [redacted] Original Creditor [redacted] WirelessState: MN Account Number [redacted] Zip Code: [redacted] Current Balance Due $63.77Historical Account InformationThe original creditor for this account was: [redacted] WirelessThe origination date with original creditor was: 03/12/2006The account charge-off date was: 07/22/2006The account charge-off amount was: $63.77The account was acquired on or about: 01/27/2009The account was acquired from: [redacted] d/b/a [redacted] WirelessThe account balance at time of acquisition: $63.77This communication is from a debt collector and this is an attempt to collect a debtAny information obtained will be used for that purpose.Page of
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,Dear Ms [redacted] : This letter is in response to your correspondence dated April 4, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle, and began servicing it on April 18, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on January 15, with [redacted] This account charged off on December 19, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in December Enclosed are bill statements and an account summary on file for 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, Pinnacle is not reporting the account to the major consumer reporting agencies as a request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies on or about March due to the expiration of the permissible reporting periodThe 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 disputeMr [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 June 19, A request to delete the Pinnacle tradeline was submitted to the consumer reporting agencies in March Resurgent has reviewed the allegation in Mr [redacted] ’s inquiry that the above referenced account was discharged in bankruptcyOur records indicate that this account was opened after Mr [redacted] ’s bankruptcy was filed, and therefore was not included in his bankruptcyOur records indicate that we received a notice from Mr [redacted] requesting that we cease communication with him to this office on January 11, 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 customerIf 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 fullIn addition, if Mr [redacted] has any correspondence to/from the previous creditors concerning his dispute and/or bankruptcy, please forward it to: Compliance Department or Fax: 866- [redacted] MS [redacted] Attn: Compliance P.OBox *** Greenville, SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888- [redacted] Sincerely, TH*** Compliance Department Resurgent Capital Services L.PEnclosure(s)
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: $1,Dear Ms [redacted] : This letter is in response to your correspondence dated January 2, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, [redacted] Services LP (" [redacted] ") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on January 30, with [redacted] This account charged off on January 15, with a balance of $1,No payments have been received on this account since Pinnacle acquired it in April Enclosed are bill statements and an account summary on file for this accountWe note that the bill statements are addressed to [redacted] ***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 saleThe 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 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 removedIf, 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 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 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 fullIn 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] , SC If Mr [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1- [redacted] Sincerely, AW*** Complaint Department [redacted] Services L.PEnclosures
October 18, 2017Cindy R [redacted] RevDex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $234.59Dear Ms. R***:This letter is in response to your correspondence received October 11, 2017 regarding the above- referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $234.59. Please review the following account information:1. This account originated on January 18, 2011 with [redacted] . 2. This account charged off on March 9, 2012 with a balance of $234.59. 3. No payments have been received on this account since Pinnacle acquired it in April 2014. 4. Enclosed are bill statements and an account summary on file for this account.Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle.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. 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. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is September 9, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in June 2018.Ms. ***’ October 11, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer.Regarding Ms. ***’ claim that this account was paid and transferred into someone else’s name, we ask that she provide documentation showing that the account was transferred so that we may further investigate her claim. Documentation may be forwarded to the address below. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then 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, then please forward it to:Compliance Department or Fax: 866- [redacted] MS *** Attn: Compliance P.O. Box [redacted] , SC 29603If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] .Sincerely,A. J [redacted] Compliance Department Resurgent Capital Services L.P.Enclosure(s)
RE: [redacted] ; Case/File No [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: [redacted] Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms [redacted] : This letter is in response to your correspondence dated October 5, regarding the above-referenced account [redacted] Credit Services, LLC (" [redacted] ") owns the account number ending in ***, having acquired it on April 29, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted] As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 9, with [redacted] This account charged off on November 22, with a balance of $No payments have been received on this account since [redacted] acquired it in April After investigating the account, Resurgent has made the business decision to close the accountAdditionally, a request to delete the [redacted] tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update 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 Resurgent Capital 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 Regards, [redacted] ***
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: $Dear Ms [redacted] : This letter is in response to your correspondence received July 28, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on June 19, Resurgent Capital Services LP ("Resurgent") 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 7, with [redacted] This account charged off on September 9, with a balance of $No payments have been received on this account since Pinnacle acquired it in June Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this accountThose rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnacleResurgent received the multiple electronic disputes that Ms [redacted] submitted through one or more consumer reporting agenciesResurgent 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 removedThe enclosed letter dated May 12, containing the validation notice was mailed to Ms [redacted] as well as the enclosed letter dated May 12, 2017containing verification of debtAdditionally, we are providing the enclosed bill statements on file for the accountThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”)Our records indicate that Ms [redacted] submitted a notice requesting that we cease communication with her to this office on June 28, When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customerIf, after reviewing the above-referenced information, Ms [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavitIf Ms [redacted] believes that this account was previously paid or satisfied in full, then please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in fullIn addition, if Ms [redacted] has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866- [redacted] [redacted] Attn: Compliance P.OBox *** Greenville, SC If Ms [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888- [redacted] Sincerely, AJ [redacted] Compliance Department Resurgent Capital Services L.PEnclosure(s)
This debt was written off and sold to the collection agency who I have no contract with I don't think they are a servicer They bought this debt from [redacted] I have since acquired new service with [redacted]
Dear Ms***: This letter is in response to your correspondence dated August 26, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account having acquired it on June 19, 2014. *** *** Services LP ("***") is the servicer
of the account owned by PinnacleAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on April 5, with Verizon Wireless. This account charged off on February 9, with a balance of $1,088.86. No payments have been received on this account since Pinnacle purchased it in June 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 reporting. Currently, 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. Ms***’s August 26, complaint 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, Ms*** 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*** 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*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosures
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 have determined that this does not resolve my complaint.
Regards,
*** *** I have not received a signed contract where I engaged in business with
Pinnacle or ResurgentI am not liable for this account with the collection agencies