Pinnacle Credit Services, LLC
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Other (i.e. phone, health club, etc.)
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 31 |
| 2014 | 208 |
| 2015 | 297 |
| 2016 | 311 |
| 2017 | 102 |
| 2018 | 50 |
| 2019 | 10 |
| 2020 | 10 |
| 2021 | 7 |
| 2022 | 7 |
| 2023 | 7 |
| 2024 | 6 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Pinnacle Credit Services, LLC
The CFPB has logged 990 debt-collection complaints against Pinnacle Credit Services, LLC, 94.6% of the 1,046 complaints filed against this entity overall. Consumers in 51 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. The most common debt type behind these complaints is "Other (i.e. phone, health club, etc.)," which is the category consumers most often describe when they file a CFPB report about this collector. The single most-cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
99.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That clears the industry benchmark, a sign the intake process is functioning on schedule. Of resolved cases, 10.9% closed with monetary or non-monetary relief to the consumer. Consumers formally disputed the company's response in 26.6% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Pinnacle Credit Services, LLC have?
The CFPB has logged 990 debt-collection complaints against Pinnacle Credit Services, LLC, 94.6% of all complaints filed against this company.
Does Pinnacle Credit Services, LLC respond to complaints on time?
99.7% of the CFPB complaints against Pinnacle Credit Services, LLC get a response within the expected window. That is a strong response record by CFPB standards.
Does Pinnacle Credit Services, LLC provide relief to consumers?
Of resolved complaints against Pinnacle Credit Services, LLC, 10.9% ended with consumer relief of some kind.
What type of debt does Pinnacle Credit Services, LLC primarily collect?
"Other (i.e. phone, health club, etc.)" is the debt type Pinnacle Credit Services, LLC is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Pinnacle Credit Services, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Pinnacle Credit Services, LLC active?
CFPB data shows consumer complaints against Pinnacle Credit Services, LLC from 51 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.