What is the most common complaint against Pinnacle Credit Services, LLC?

The most common issue consumers report about Pinnacle Credit Services, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 990 complaints filed with the CFPB.

Are complaints against Pinnacle Credit Services, LLC increasing or decreasing?

Complaints against Pinnacle Credit Services, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Pinnacle Credit Services, LLC's reputation grade?

Pinnacle Credit Services, LLC has a reputation grade of D (score: 51.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pinnacle Credit Services, LLC respond to consumer complaints?

Pinnacle Credit Services, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does Pinnacle Credit Services, LLC operate?

Pinnacle Credit Services, LLC has received CFPB complaints from consumers in 51 states, with the most complaints from California (136 complaints).

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

Pinnacle Credit Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 51 states, reputation grade D.

Compiled by PlainCollector

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

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 #4047

VOL 990
GRADE D
12MO 0
STATES 51
TIMELY 100%
DISPUTE 27%
ISSUE Cont'd attempts collect de…
RANK #155
COMPOSE #4,047

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Pinnacle Credit Services, LLC still sits volume #155 against composite #4,047 - the two RankMaps diverge by 3,892 places. 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
Divergent corpus ranks: #155 volume; #4,047 composite; Cleanest-composite ladder is 3,892 places worse than volume

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 Servic… National average

Complaints (last 12 mo)lower is better

106

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

27%

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

136
Florida

101
Texas

101
New York

77
Georgia

45
Ohio

45
Pennsylvania

44
Virginia

28

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.