CFPB Consumer Complaint Profile
Pinnacle Credit Services, LLC
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 1,046
- Total complaints
- Among the highest
- 0
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 51
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Pinnacle Credit Services, LLC sits at #315. Its on-time response record is at the 76th percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- CA
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Pinnacle Credit Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Pinnacle Credit Services, LLC
Pinnacle Credit Services, LLC draws a nationwide spread of CFPB complaints, filed by consumers in many parts of the country. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate clears the industry benchmark, pointing to intake and escalation processes that are working as intended. A formal dispute means the consumer contested the company's response after a case was resolved, a rough measure of how often the first resolution missed the mark. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pinnacle Credit Services, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Similar dispute rates
Nearest companies by share of complaints marked disputed (26.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pinnacle Credit Services, LLC have?
1,046 complaints have been filed against Pinnacle Credit Services, LLC with the CFPB overall - 0 of them in the past year.
Does Pinnacle Credit Services, LLC respond to complaints on time?
CFPB complaints against Pinnacle Credit Services, LLC draw a 99.7% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Pinnacle Credit Services, LLC?
"Debt collection" draws more CFPB complaints against Pinnacle Credit Services, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Pinnacle Credit Services, LLC?
The most common issue reported by consumers about Pinnacle Credit Services, LLC is "Cont'd attempts collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Pinnacle Credit Services, LLC?
You can file a complaint against Pinnacle Credit Services, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pinnacle Credit Services, LLC?
Pinnacle Credit Services, LLC has drawn CFPB complaints from 51 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.