What is the most common complaint against Pinnacle Financial Partners, Inc.?

The most common issue consumers report about Pinnacle Financial Partners, Inc. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 159 complaints filed with the CFPB.

Are complaints against Pinnacle Financial Partners, Inc. increasing or decreasing?

Complaints against Pinnacle Financial Partners, Inc. are rising. The company received 149 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Pinnacle Financial Partners, Inc.'s reputation grade?

Pinnacle Financial Partners, Inc. has a reputation grade of D (score: 49.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Pinnacle Financial Partners, Inc. respond to consumer complaints?

Pinnacle Financial Partners, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does Pinnacle Financial Partners, Inc. operate?

Pinnacle Financial Partners, Inc. has received CFPB complaints from consumers in 25 states, with the most complaints from Texas (22 complaints).

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

Pinnacle Financial Partners, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

73
Attempts to collect debt not owed

60
Written notification about debt

15
False statements or representation

7
Communication tactics

2
Threatened to contact someone or share information improperly

1

Data updated September 2026

CFPB complaint disposition

CCDB record pinnacle-financial-partners-inc Pinnacle Financial Partners, Inc.

Grade D · 159 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #637 · compose #4185

VOL 159
GRADE D
12MO 149
STATES 25
TIMELY 100%
ISSUE Took or threatened to take…
RANK #637
COMPOSE #4,185

Volume peers

Nearest volume peer: Debt Co LLC (159 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Pinnacle Financial Partners, Inc.'s 159 CFPB complaints sit next to Debt Co LLC 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 Financial Partners, Inc. spreads filings across 25 states - Texas leads at only 13.8%

Despite a broad state map, Pinnacle Financial Partners, Inc. still sits volume #637 against composite #4,185 - the two RankMaps diverge by 3,548 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.8% across 25 states
Seasonal peak: 2023-02 8.1%; 8–15% band · 3 filings
Divergent corpus ranks: #637 volume; #4,185 composite; Cleanest-composite ladder is 3,548 places worse than volume

How does Pinnacle Financial Partners, Inc. compare to its peers?

How does PINNACLE FINANCIAL PARTNERS, INC. 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 FINANCIAL PAR… National average

Complaints (last 12 mo)lower is better

149

268

Timely-response ratehigher is better

100%

66%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-01 2026-02

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	73
Attempts to collect debt not owed	60
Written notification about debt	15
False statements or representation	7
Communication tactics	2
Threatened to contact someone or share information improperly	1
Electronic communications	1

Where do complaints against Pinnacle Financial Partners, Inc. come from?

Pinnacle Financial Partners, Inc.'s own per-state count, not a national baseline.

Texas

22
Florida

19
Georgia

19
North Carolina

18
South Carolina

18
California

9
Illinois

7
Tennessee

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Pinnacle Financial Partners, Inc.: 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: 159.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Pinnacle Financial Partners, Inc.: 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.