Dear Ms. [redacted]: This letter is in response to your correspondence dated August...
29, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] ("[redacted]") on or about April 29, 2014. As of the date of this communication, the account balance is $767.76. Please review the following account information: 1. This account originated on February 13, 2010 with [redacted]. 2. This account charged off on January 6, 2012 with a balance of $767.76. 3. No payments have been received on this account since Pinnacle purchased the account in April 2014. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the three major consumer reporting agencies on behalf of Pinnacle. However, after investigating the account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in Mr. [redacted]’ credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If Mr. [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Mr. [redacted]’ complaint references an individual named [redacted] in connection with his credit report. Our recordings indicate that this individual is not associated with this account. We are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I am not a [redacted] customer and never have been. I've been with [redacted] with he same phone number for...
over 10 years. All you're showing me is some supposed amount I owe, but no indication of what I'm being charged for or any evidence of an account that existed with [redacted]. What phone number was on the account? What is this erroneous charge for? There's is no answer because I am not and have never been a [redacted] customer.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Despite the claims that they had previously responded to me, which are not accurate, as they simply responded to the credit reporting bureaus, refusing to give me any of this information directly until you intervened, I am satisfied with the response and agreement to remove this from my credit reports. Thank you for your intervention,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
RE: Revdex.com File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] font-family: Verdana;">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,385.99 Dear Ms. [redacted]: This letter is to your correspondence dated August 29, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. [redacted] Capital Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] ("[redacted]") on or about October 27, 2014. As of the date of this communication, the account balance is $1,385.99. Please review the following account information: 1. This account originated on February 28, 2007 with [redacted]. 2. This account charged off on November 8, 2012 with a balance of $1,385.99. 3. No payments have been received on this account since Pinnacle purchased the account in October 2014. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. However, a request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies on or about August 29, 2016. Please allow 30 to 45 days for this update to occur. The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. Ms. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or her responsibility for the balance due on this account. We are providing the enclosed bill statement and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Verdana;">Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated June 23, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] having acquired it on August 28, 2014. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. Please review the following account information: 1. This account originated on March 11, 2009 with [redacted]. 2. This account charged off on June 10, 2012 with a balance of $573.13. 3. No payments have been received on this account since Pinnacle acquired it in August 2014. [redacted] would like to thank Mr. [redacted] for bringing this matter to our attention. After investigating the account, the account has been closed. Additionally, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Wireless Original Creditor: [redacted] Wireless Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $63.77 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 25, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on January 27, 2009. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $63.77. Please review the following account information: 1. This account originated on March 12, 2006 with [redacted] Wireless. Upon information and belief, [redacted] Wireless is located at the below address: [redacted] Wireless 1 [redacted] Way [redacted], NJ 07920 2. This account charged off on July 22, 2006 with a balance of $63.77. 3. No payments have been received on this account since Pinnacle acquired it in January 2009. 4. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies in the event that the account is eligible for credit reporting. Currently, Pinnacle is not reporting the account to the major consumer reporting agencies. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced regarding the collection of this account. [redacted] complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Mr. [redacted]’s October 25, 2016 inquiry contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures ACCOUNT SUMMARY REPORT10/26/2016 8:39:16 AMThis account summary has been prepared by [redacted] Capital Services on behalf of Pinnacle Credit Services, LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted]1573 Owner Pinnacle Credit Services, LLCAddress: [redacted] Ln [redacted] Reference # [redacted]City: [redacted] Original Creditor [redacted] WirelessState: MN Account Number [redacted]Zip Code: [redacted] Current Balance Due $63.77Historical Account InformationThe original creditor for this account was: [redacted] WirelessThe origination date with original creditor was: 03/12/2006The account charge-off date was: 07/22/2006The account charge-off amount was: $63.77The account was acquired on or about: 01/27/2009The account was acquired from: [redacted] d/b/a [redacted] WirelessThe account balance at time of acquisition: $63.77This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,399.73 Dear Ms. [redacted]: This letter is in response to your correspondence regarding Ms. [redacted]’s July 29, 2016 inquiry concerning the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted], having acquired it on December 16, 2014. [redacted] Services L.P. (“[redacted]”) is the servicer of the account owned by Pinnacle. [redacted] began servicing the Pinnacle account on or about April 18, 2016. We recognize that Ms. [redacted]’s inquiry was closed as “unanswered” by the South Carolina Revdex.com on August 1, 2016. We have now conducted an investigation of the account, and are providing this follow-up response to ensure that all concerns raised by Ms. [redacted] have been addressed. As of the date of this communication, the account balance is $1,399.73. Please review the following account information: 1. This account originated on August 31, 2006 with [redacted]. 2. This account charged off on May 27, 2012 with a balance of $1,399.73. 3. No payments have been received on this account since Pinnacle acquired it in December 2014. 4. Enclosed are bill statements and an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. We recognize that Ms. [redacted] believes she is not responsible for the balance due on this account due to a Divorce Decree. However, a Divorce Decree is a civil matter, and Ms. [redacted] is still obligated to ensure satisfaction of the debt. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, J. A[redacted] Complaint Department [redacted] Capital Services L.P. Enclosures
Dear Ms. [redacted]: This letter is in response to your correspondence dated August...
26, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account having acquired it on June 19, 2014. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,088.86. Please review the following account information: 1. This account originated on April 5, 2011 with Verizon Wireless. 2. This account charged off on February 9, 2012 with a balance of $1,088.86. 3. No payments have been received on this account since Pinnacle purchased it in June 2014. 4. Enclosed are bill statements and an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Ms. [redacted]’s August 26, 2016 complaint contains language [redacted] has interpreted to mean that we cease communication with her. When a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
Dear Ms. [redacted]: This letter is in response to your correspondence dated August...
29, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] ("[redacted]") on or about April 29, 2014. As of the date of this communication, the account balance is $767.76. Please review the following account information: 1. This account originated on February 13, 2010 with [redacted]. 2. This account charged off on January 6, 2012 with a balance of $767.76. 3. No payments have been received on this account since Pinnacle purchased the account in April 2014. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the three major consumer reporting agencies on behalf of Pinnacle. However, after investigating the account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in Mr. [redacted]’ credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If Mr. [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Mr. [redacted]’ complaint references an individual named [redacted] in connection with his credit report. Our recordings indicate that this individual is not associated with this account. We are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I am not a [redacted] customer and never have been. I've been with [redacted] with he same phone number for...
over 10 years. All you're showing me is some supposed amount I owe, but no indication of what I'm being charged for or any evidence of an account that existed with [redacted]. What phone number was on the account? What is this erroneous charge for? There's is no answer because I am not and have never been a [redacted] customer.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Despite the claims that they had previously responded to me, which are not accurate, as they simply responded to the credit reporting bureaus, refusing to give me any of this information directly until you intervened, I am satisfied with the response and agreement to remove this from my credit reports. Thank you for your intervention,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
RE: Revdex.com File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] font-family: Verdana;">Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,385.99 Dear Ms. [redacted]: This letter is to your correspondence dated August 29, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. [redacted] Capital Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] ("[redacted]") on or about October 27, 2014. As of the date of this communication, the account balance is $1,385.99. Please review the following account information: 1. This account originated on February 28, 2007 with [redacted]. 2. This account charged off on November 8, 2012 with a balance of $1,385.99. 3. No payments have been received on this account since Pinnacle purchased the account in October 2014. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. However, a request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies on or about August 29, 2016. Please allow 30 to 45 days for this update to occur. The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. Ms. [redacted] is correct that the statute of limitations for seeking legal action, such as a judgment, has expired. However, the account balance is still collectible as expiration of the statute of limitations does not invalidate the obligation or her responsibility for the balance due on this account. We are providing the enclosed bill statement and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Verdana;">Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated June 23, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] having acquired it on August 28, 2014. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. Please review the following account information: 1. This account originated on March 11, 2009 with [redacted]. 2. This account charged off on June 10, 2012 with a balance of $573.13. 3. No payments have been received on this account since Pinnacle acquired it in August 2014. [redacted] would like to thank Mr. [redacted] for bringing this matter to our attention. After investigating the account, the account has been closed. Additionally, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Wireless Original Creditor: [redacted] Wireless Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $63.77 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 25, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on January 27, 2009. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $63.77. Please review the following account information: 1. This account originated on March 12, 2006 with [redacted] Wireless. Upon information and belief, [redacted] Wireless is located at the below address: [redacted] Wireless 1 [redacted] Way [redacted], NJ 07920 2. This account charged off on July 22, 2006 with a balance of $63.77. 3. No payments have been received on this account since Pinnacle acquired it in January 2009. 4. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies in the event that the account is eligible for credit reporting. Currently, Pinnacle is not reporting the account to the major consumer reporting agencies. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced regarding the collection of this account. [redacted] complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Mr. [redacted]’s October 25, 2016 inquiry contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures ACCOUNT SUMMARY REPORT10/26/2016 8:39:16 AMThis account summary has been prepared by [redacted] Capital Services on behalf of Pinnacle Credit Services, LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted]1573 Owner Pinnacle Credit Services, LLCAddress: [redacted] Ln [redacted] Reference # [redacted]City: [redacted] Original Creditor [redacted] WirelessState: MN Account Number [redacted]Zip Code: [redacted] Current Balance Due $63.77Historical Account InformationThe original creditor for this account was: [redacted] WirelessThe origination date with original creditor was: 03/12/2006The account charge-off date was: 07/22/2006The account charge-off amount was: $63.77The account was acquired on or about: 01/27/2009The account was acquired from: [redacted] d/b/a [redacted] WirelessThe account balance at time of acquisition: $63.77This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
January 6, 2017 [redacted]...
[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $1,399.73 Dear Ms. [redacted]: This letter is in response to your correspondence regarding Ms. [redacted]’s July 29, 2016 inquiry concerning the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted], having acquired it on December 16, 2014. [redacted] Services L.P. (“[redacted]”) is the servicer of the account owned by Pinnacle. [redacted] began servicing the Pinnacle account on or about April 18, 2016. We recognize that Ms. [redacted]’s inquiry was closed as “unanswered” by the South Carolina Revdex.com on August 1, 2016. We have now conducted an investigation of the account, and are providing this follow-up response to ensure that all concerns raised by Ms. [redacted] have been addressed. As of the date of this communication, the account balance is $1,399.73. Please review the following account information: 1. This account originated on August 31, 2006 with [redacted]. 2. This account charged off on May 27, 2012 with a balance of $1,399.73. 3. No payments have been received on this account since Pinnacle acquired it in December 2014. 4. Enclosed are bill statements and an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. We recognize that Ms. [redacted] believes she is not responsible for the balance due on this account due to a Divorce Decree. However, a Divorce Decree is a civil matter, and Ms. [redacted] is still obligated to ensure satisfaction of the debt. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, J. A[redacted] Complaint Department [redacted] Capital Services L.P. Enclosures
Dear Ms. [redacted]: This letter is in response to your correspondence dated August...
26, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account having acquired it on June 19, 2014. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,088.86. Please review the following account information: 1. This account originated on April 5, 2011 with Verizon Wireless. 2. This account charged off on February 9, 2012 with a balance of $1,088.86. 3. No payments have been received on this account since Pinnacle purchased it in June 2014. 4. Enclosed are bill statements and an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. Ms. [redacted]’s August 26, 2016 complaint contains language [redacted] has interpreted to mean that we cease communication with her. When a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Ms. [redacted] believes that this account was previously paid or satisfied in full, please advise her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures