In early 2017, the Consumer Financial Protection Bureau issued a reporting stating that nearly one in four consumers felt threatened when debt collectors contacted them. These people told stories of being woken up in the middle of the night, yelled at, and threatened with jail time for debts they did not even owe.
They may not have been aware of their rights, which protect them from such treatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being bullied and manipulated by collection agencies. If you’re faced with a collection agency that does any of the following, you have legal remedies available to you.
- Using profane or obscene language
- Threatening legal actions that they have no intention of taking
- Using the telephone to harass you with constant calls
- Calling at inconvenient times
- Calling you at work when your employer does not allow such calls
- Discussing the debt with anyone except you, your spouse, and your attorney
Company Profile: Pinnacle Credit Services
If you are being called by Pinnacle Credit Services, here is some additional information about the company.
Pinnacle Credit Services is a debt collection agency in St. Louis Park, Minnesota. It was established in 1998, has approximately 30 employees, and is managed by owner Todd Striker.
The company is primarily a debt buyer that acquires large portfolios from both national and international creditors. Consumer litigation records at the PACER website indicate that people who felt that they were being harassed by Pinnacle Credit Services took their disputes to court.
Alleged Violations against Pinnacle Credit Services
According to PACER, on January 17, 2011, Pinnacle Credit Services allegedly called the former spouse of a Florida consumer it was trying to contact and told her that her husband owed money to Household Bank.
Alarmed and angry, the consumer confirmed with the bank that he did not owe then money before calling Pinnacle Credit Services to say the debt was not his. Collectors allegedly told him that they would continue collection activities until he paid it.
Feeling harassed by Pinnacle Credit Services, the consumer obtained legal counsel and sued the company for allegedly committing the following FDCPA violations:
- Telling his former spouse about his alleged debt
- Misrepresenting the character, amount, or legal status of a debt
- Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Pinnacle Credit Services are:
If any of them appear on your caller ID, Pinnacle Credit Services is attempting to contact you. If they persist in chasing you for a debt that you don’t owe, contact a consumer lawyer and seek their assistance in filing a claim against Pinnacle Credit Services.
Debt collectors who ignore the law can be forced to pay their victims $1,000 per FDCPA violation, so instead of tolerating harassment, take steps to make it stop.
Case taken from PACER (pacer.gov). File number is Case 8:11-cv-01131-SCB-TBM from the United States District Court for the Middle District of Florida, Tampa Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Pinnacle Credit Services or any other third-party collection agency, you may not be entitled to any compensation.