Total CFPB complaints
990
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 990 complaints
Pinnacle Credit Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 51 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Pinnacle Credit Services, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
435 complaints
- Disclosure verification of debt
Disclosure verification of debt
271 complaints
- False statements or representation 60
False statements or representation
60 complaints
- Attempts to collect debt not owed 47
Attempts to collect debt not owed
47 complaints
- Written notification about debt 27
Written notification about debt
27 complaints
- Improper contact or sharing of info 19
Improper contact or sharing of info
19 complaints
D
Grade D · 54.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Pinnacle Credit Services, LLC?
Pinnacle Credit Services, LLC has accumulated 990 total CFPB complaints across 51 states, with 0 filed in the most recent 12 months against 990 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 27% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 51 states, led by California with 136 and Florida with 101, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.2/100 places Pinnacle Credit Services, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
51
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
27%
After company response
Reputation grade
D
54.2/100 composite
Response-quality profile
How Pinnacle Credit Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 53.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 91.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Pinnacle Credit Services, LLC compare to its peers?
Pinnacle Credit Servic… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2020-03 2024-05
Top Consumer Issues
Cont'd attempts collect debt not owed435 (%)
Disclosure verification of debt271 (%)
False statements or representation60 (%)
Attempts to collect debt not owed47 (%)
Written notification about debt27 (%)
Improper contact or sharing of info19 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 279 |
| Disclosure verification of debt | Not given enough info to verify debt | 206 |
| Cont'd attempts collect debt not owed | Debt was paid | 85 |
| Disclosure verification of debt | Right to dispute notice not received | 65 |
| False statements or representation | Attempted to collect wrong amount | 60 |
| Attempts to collect debt not owed | Debt is not yours | 47 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 43 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 28 |
| Written notification about debt | Didn't receive enough information to verify debt | 27 |
| Improper contact or sharing of info | Talked to a third party about my debt | 19 |
Where do complaints against Pinnacle Credit Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Pinnacle Credit Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Pinnacle Credit Services, LLC
Across 51 states with at least one filing
- California
California
136 complaints
- Florida
Florida
101 complaints
- Texas
Texas
101 complaints
- New York
New York
77 complaints
- Georgia 45
Georgia
45 complaints
- Ohio 45
Ohio
45 complaints
- Pennsylvania 44
Pennsylvania
44 complaints
- Virginia 28
Virginia
28 complaints
Frequently Asked Questions
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: 54.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Pinnacle Credit Services, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Pinnacle Credit Services, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |