This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 990 complaints

Pinnacle Credit Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 51 states, reputation grade D.

Complaints by issue type

What consumers report about Pinnacle Credit Services, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record pinnacle-credit-services-llc Pinnacle Credit Services, LLC

Grade D · 990 CFPB filings · 100% timely · lead issue: Cont'd attempts collect debt not owed · vol #155 · compose #366

  • VOL 990
  • GRADE D
  • 12MO 0
  • STATES 51
  • TIMELY 100%
  • DISPUTE 27%
  • ISSUE Cont'd attempts collect de…
  • RANK #155
  • COMPOSE #366

Volume peers

Nearest volume peer: Alliance One, Inc. (991 complaints)

Credit Protection Association, L.P.Credit Protection Associatio…980Unifin Inc.Unifin Inc.988Pinnacle Credit Services, LLC (this)Pinnacle Credit Services, LL…990Alliance One, Inc.Alliance One, Inc.991American Coradius International LLCAmerican Coradius Internatio…1,006
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pinnacle Credit Services, LLC's 990 CFPB complaints sit next to Alliance One, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 990 complaints break down

Every complaint issue type on record for Pinnacle Credit Services, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.0/100
Pinnacle Credit Services, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
990
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
27%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Pinnacle Credit Services, LLC spreads filings across 51 states - California leads at only 13.7%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 13.7% across 51 states
Seasonal peak
2023-06 14.3%
8–15% band · 4 filings
Corpus ranks
#155 volume
#366 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Pinnacle Credit Services, LLC compare to its peers?

How does Pinnacle Credit Services, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Pinnacle Credit Services, LLC National average
Complaints (last 12 mo)lower is better
0
106
268
Timely-response ratehigher is better
100%
99%
91%
Consumer-dispute ratelower is better
27%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Pinnacle Credit Services, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 90%92%94%96%98%100%102% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Pinnacle Credit Services, LLC vs. 9 similar-volume peers, by response speed and dispute rate Pinnacle Credit Services, LLCAlliance One, Inc.Unifin Inc.Credit Protection Association, L.P.American Coradius International LLCFirst Federal Credit Control, Inc.AES/PHEAAKimball, Tirey & St. John LLPParamount Recovery Systems, L.P.Adler Wallach & Associates, Inc.
Source: CFPB Consumer Complaint Database

Pinnacle Credit Services, LLC's complaint volume in context

Pinnacle Credit Services, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

990 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Pinnacle Credit Services, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2013-08 2026-03

Issue Detail Breakdown

Issue Complaints
Cont'd attempts collect debt not owed
435
Disclosure verification of debt
288
Attempts to collect debt not owed
75
False statements or representation
74
Written notification about debt
37
Communication tactics
29
Improper contact or sharing of info
22
Taking/threatening an illegal action
14
Took or threatened to take negative or legal action
13
Threatened to contact someone or share information improperly
2

Where do complaints against Pinnacle Credit Services, LLC come from?

Pinnacle Credit Services, LLC's own per-state count, not a national baseline.

Top states by complaints against Pinnacle Credit Services, LLC

Across 51 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pinnacle Credit Services, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 990.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.69696969696969%.

4 peers

Know your rights before responding to Pinnacle Credit Services, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.