Total CFPB complaints
55
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 55 complaints
PINNACLE FINANCIAL PARTNERS, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PINNACLE FINANCIAL PARTNERS, INC.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
27 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
18 complaints
- Written notification about debt 6
Written notification about debt
6 complaints
- False statements or representation 3
False statements or representation
3 complaints
D
Grade D · 55.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about PINNACLE FINANCIAL PARTNERS, INC.?
PINNACLE FINANCIAL PARTNERS, INC. has accumulated 55 total CFPB complaints across 20 states, with 46 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 83.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 20 states, led by North Carolina with 8 and Florida with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.7/100 places PINNACLE FINANCIAL PARTNERS, INC. 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
46
83.6% of total history
Rising ↑
States active
20
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
55.7/100 composite
Response-quality profile
How PINNACLE FINANCIAL PARTNERS, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 35.7%
Share of US states + territories with at least one filed complaint against this collector.
How does PINNACLE FINANCIAL PARTNERS, INC. compare to its peers?
PINNACLE FINANCIAL PAR… 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)
2018-05 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action27 (%)
Attempts to collect debt not owed18 (%)
Written notification about debt6 (%)
False statements or representation3 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 23 |
| Attempts to collect debt not owed | Debt is not yours | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
Where do complaints against PINNACLE FINANCIAL PARTNERS, INC. come from?
The states where consumers have filed the most CFPB complaints against PINNACLE FINANCIAL PARTNERS, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PINNACLE FINANCIAL PARTNERS, INC.
Across 20 states with at least one filing
- North Carolina
North Carolina
8 complaints
- Florida
Florida
7 complaints
- Georgia
Georgia
6 complaints
- Tennessee
Tennessee
5 complaints
- Texas
Texas
5 complaints
- California
California
4 complaints
- Arizona 2
Arizona
2 complaints
- Ohio 2
Ohio
2 complaints
Frequently Asked Questions
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 55 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 46 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: 55.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 20 states, with the most complaints from North Carolina (8 complaints).
What can I do if PINNACLE FINANCIAL PARTNERS, INC. 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 FINANCIAL PARTNERS, INC. 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 |