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

CFPB complaint data Grade D 159 complaints

Pinnacle Financial Partners, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 25 states, reputation grade D.

Complaints by issue type

What consumers report about Pinnacle Financial Partners, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 55.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Pinnacle Financial Partners, Inc. ranks ahead of 27% of the 5,283 collectors PlainCollector grades - 73% keep a cleaner CFPB record, on 159 all-time complaints and a 100% timely-response rate.

27th pct
reputation rank of 5,283 graded collectors
159
CFPB complaints, all-time
100%
answered inside the CFPB window
149
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Pinnacle Financial Partners, Inc.?

Pinnacle Financial Partners, Inc. has accumulated 159 total CFPB complaints across 25 states, with 149 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 93.7% 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". The company posts a 100% timely-response rate.

Complaints have been recorded across 25 states, led by Texas with 22 and Florida with 19. Normalized against the full CFPB collector database, the reputation score of 55.7/100 places Pinnacle Financial Partners, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

159

mid-volume (CCDB)

Last 12 months

149

93.7% of all-time complaints

Rising ↑

States active

25

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

D

55.7/100 composite

How does Pinnacle Financial Partners, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 27th percentile higher than 27% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Pinnacle Financial Partners, Inc. versus the debt-collection vertical average.

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 44.6%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
PINNACLE FINANCIAL PAR… National average
Complaints (last 12 mo)lower is better
149
9
268
Timely-response ratehigher is better
100%
66%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-01 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Pinnacle Financial Partners, Inc.

Across 25 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Pinnacle Financial Partners, Inc. contacts you

A grade of D signals how Pinnacle Financial Partners, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Pinnacle Financial Partners, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Pinnacle Financial Partners, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 55.7/100), 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).

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

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.