Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Basically this gentleman is saying "you have to prove that you don't owe us money," when they have yet to provide any proof that I ever had an account or any services with themInnocent until proven guilty, so show me the proofOtherwise, what's to stop a company from sending bills to a thousand random people and then selling off these invalid accounts to collectors? The onus of proof is on the company claiming a debt and no such proof has been providedShow me a contractShow me a billShow me a phone number I used with ***Show me a piece of paper with my signature on itYou won't be able to, because never in my life have I been a *** customerThis claim is fraudulent and invalid.Good day
*** ***
RE: *** ** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$898.10 Dear Ms***: This letter is in response to your correspondence dated January 7, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on October 1, *** *** Services LP ("***") is the servicer of the account owned by Pinnacle and began servicing it on or about April 18, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 16, with *** ***. This account charged off on October 15, with a balance of $898.10. No payments have been received on this account since Pinnacle acquired it in October 2013. Enclosed is a bill statement and 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 creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnacleHowever, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurPrevious 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 Mrs*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her dispute. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is April 15, 2010. Mrs*** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, 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. *** 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. After investigating the account, we found no evidence of mishandlings alleged in the complaint. *** has not made any calls to Mrs***It is ***’s policy to require its servicers and employees to verify the party they are speaking to is the right party to ensure that no account information is provided to an unauthorized third-partyWe apologize for any inconvenience Mrs*** may have experienced. Our records do not indicate Mrs***’s husband is associated with this particular account. In order for us to further investigate her claim that the Pinnacle tradeline for this account is currently reporting on her husband’s credit report, please advise her to send a copy of his credit report showing the Pinnacle tradeline reporting to the address below. Mrs***’s January 7, inquiry contains language *** has interpreted to mean that we cease communication with herWhen a cease and desist request is received by our office, *** 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, Mrs*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mrs*** 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 Mrs*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** MS *** Attn: Complaint Department P.OBox *** Greenville, SC 29603 If Mrs*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department *** *** Services L.P. Enclosures
Dear Ms***: This letter is in response to your correspondence dated October 4, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, *** *** Services LP
("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,284.24. Please review the following account information: This account originated on November 14, with *** ***. This account charged off on July 27, with a balance of $1,284.24. The last payment was received on March 7, 2011. No payments have been received on this account since Pinnacle acquired it in December 2013. Enclosed is a bill statement and account summary on file for this account on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn 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. Mr***’s letter asserts that Pinnacle “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is January 27, A request to delete the Pinnacle tradeline will be submitted on or about October 2017. Our records indicate that Mr*** submitted a notice requesting that we cease communication with him to our third-party servicer on October 3, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Mr*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr*** 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*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I’m rejecting their response and will consult with my attorney to see what our next step will be
Regards,
*** ***
November 8, 2017 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor:
*** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $705.10 Dear MsR***: This letter is in response to your correspondence received November 3, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on August 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on February 10, with *** ***. This account charged off on June 6, with a balance of $705.10. No payments have been received on this account since Pinnacle acquired it in August 2014. Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Resurgent received the electronic dispute that Ms*** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Ms***’ letter asserts that Pinnacle “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is December 6, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in September 2018. Resurgent, as servicer for Pinnacle, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by PinnacleAny notification requirements for this account would have been met by these servicers. The enclosed letter containing verification of debt was mailed to Ms*** on October 6, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we are providing the enclosed bill statements for your reviewThis account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, Ms*** believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms*** believes that this account was previously paid or satisfied in full, then 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*** has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P. Enclosure(s) *** ***PROCESS_DATE=2014/10/***Manage YourAccount&ViewUsageDetails Account Number Date DueP.OBOX***ATLANTA, GAMy ***atwww.***.com ***-*** Past DueInvoice Number ***Quick BillSummary Dec 22-Jan21KEYLINE/***/*** *** Previous Balance (see backfordetails) $304.40*** ***DR Payment -ThankYou -$170.37***, FL33823-Balance ForwardDueImmediately $134.03Account ChargesandCreditsIncludes LateFeeof$$5.00Monthly AccessCharges $111.15*** ***' Surchargesand OtherCharges&Credits $4.78Taxes, GovernmentalSurcharges&Fees $13.98Total CurrentChargesDuebyFebruary16,$134.91***-AccountTotal Amount Due $
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
RE: *** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$557.44 Dear Ms***: This letter is in response to your correspondence dated December 16, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on February 18, *** *** Services LP ("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on July 26, with *** ***. This account charged off on May 23, with a balance of $742.44. The last payment was received on July 5, 2011. No payments have been received on this account since Pinnacle acquired it in February 2014. 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 creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of saleOur records do not indicate that a request to delete the Pinnacle tradeline was ever sent to the three consumer reporting agenciesWe apologize for the inconvenience. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr***’s letter asserts that Pinnacle “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is November 23, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies on or about August 2017. As part of our investigation, we reached out to the original creditor to verify Mr. ***’s claim that this account was paid prior to Pinnacle’s acquisitionIf we learn anything to substantiate his claim, we will update the account accordinglyIf Mr*** 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*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-***. Sincerely, TH*** Complaint Department *** *** Services L.P. Enclosures
RE: *** ***; Case/File No* *** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Dear Ms***: This
letter is in response to your correspondence dated June 1, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in *** having acquired it on February 18, *** *** Services LP ("***") is the servicer of the account owned by PinnaclePlease review the following account information: This account originated on June 15, with *** ***. This account charged off on March 10, with a balance of $480.11. The last payment in the amount of $was received on July 1, 2016. We apologize for any inconvenience Mr*** may have experienced in his attempts to pay this accountOur payment history shows a payment of $was received on July 1, The status of the account was updated to “Paid in Full” on September 8, The account is considered resolved in our office, and Mr*** should not be contacted by *** or any affiliate companies regarding this accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full” will be submitted to the three major consumer reporting agencies during the next reporting cycle. If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, ** *** Complaint Department *** *** Services L.P
RE: *** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$1,335.25 Dear Ms***: This letter is in response to your correspondence dated May 31, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***. *** *** Services LP ("***") is the servicer of the account owned by PinnacleThe account was previously sold by *** Partnership d/b/a *** *** on or about August 28, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 27, with *** ***. This account charged off on September 15, with a balance of $1,335.25. No payments have been received on this account since Pinnacle acquired this account in August 2014. Bill statements and an account summary on file for this account are enclosed for review. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the electronic dispute that Ms*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. If, after reviewing the above-referenced information, Ms*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: ###-###-#### MS *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ###-###-####. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosures
January 6, 2017 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** *** Original Creditor: ***
*** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $1,399.73 Dear Ms***: This letter is in response to your correspondence regarding Ms***’s July 29, inquiry concerning the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***, having acquired it on December 16, *** *** Services L.P. (“***”) is the servicer of the account owned by Pinnacle*** began servicing the Pinnacle account on or about April 18, 2016. We recognize that Ms***’s inquiry was closed as “unanswered” by the South Carolina Revdex.com on August 1, We have now conducted an investigation of the account, and are providing this follresponse to ensure that all concerns raised by Ms*** have been addressedAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 31, with *** ***. This account charged off on May 27, with a balance of $1,399.73. No payments have been received on this account since Pinnacle acquired it in December 2014. 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 creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious 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*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt 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*** believes she is not responsible for the balance due on this account due to a Divorce DecreeHowever, a Divorce Decree is a civil matter, and Ms*** is still obligated to ensure satisfaction of the debt. If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, JA*** Complaint Department *** Capital Services L.P. Enclosures
RE: *** ** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$1,243.90 Dear Ms***: This letter is in response to your correspondence dated December 23, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, *** Capital Services LP ("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,243.90. Please review the following account information: This account originated on May 28, with *** ***. The last payment was received on September 13, 2010. This account charged off on April 13, with a balance of $1,245.89. No payments have been received on this account since Pinnacle acquired it in December 2013. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Verification of the debt was previously provided to Mr*** in October in response to his inquiry via the *** *** *** Bureau (“***”)Enclosed are the bill statement and account summary previously provided to Mr*** as verification of the debtThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Mr*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr*** 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*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-*** MS *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, TH*** Complaint Department *** Capital Services L.P. Enclosure(s)
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: $1,609.54 Dear Ms. [redacted]: This letter is in response to your correspondence dated July 10, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on December 20, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,609.54. Please review the following account information: 1. This account originated on August 4, 2009 with [redacted]. 2. This account charged off on October 12, 2011 with a balance of $1,609.54. 3. The last payment was received on May 27, 2011. 4. No payments have been received on this account since Pinnacle acquired it in December 2013. 5. Enclosed are a bill statement and an account summary on file for this account. Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Our records indicate that the permissible reporting period has not expired. Resurgent received the electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for Pinnacle, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by Pinnacle. Any notification requirements for this account would have been met by these servicers. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then 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, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted]PROCESS_DATE=2014/01/[redacted]Manage YourAccount&ViewUsageDetails Account Number Date DueP.O. BOX[redacted]ATLANTA, GA30348 My [redacted].com [redacted] Past DueInvoice Number [redacted]Quick BillSummary Aug 14-Sep13KEYLINE/[redacted] Previous Balance (see backfordetails) $1,609.54[redacted] No PaymentReceived $.00[redacted], GA30071-3956 Balance ForwardDueImmediately $1,609.54Taxes, GovernmentalSurcharges&Fees $.00Total CurrentChargesDuebyOctober08,2011 $.00Total Amount Due $1,609.54Our recordsindicateyouraccountispastdue.Pleasesendpaymentnowtoavoidservicedisruption...⇄ PayontheWeb Questions:#PMT(#[redacted]) My[redacted]atwww.[redacted].com 1.800.[redacted] or[redacted]fromyour[redacted]Bill Date September 13,2011Account Number [redacted]Invoice Number [redacted] Total AmountDue[redacted]Make checkpayableto[redacted].[redacted], GA30071-3956Please returnthisremitslipwithpayment. $1,609.54$ , . PO BOX[redacted]DALLAS, TX75266-0108/[redacted]/C h e c k h e r e a n d f I l l o u t t h e b a c k o f t h I s s l I p I f y o u r b I l l I n g a d d r e s sh a s c h a n g e d o r y o u a r e a d d I n g o r c h a n g I n g y o u r e m a I l a d d r e s s .[redacted]N O T I C E : B a n k a c c o u n t a n d r o u t I n g n u m b e r s w I l l b e r e t a I n e d t o e n a b l e f u t u r e p a y m e n t s b y p h o n e o r o n l I n e . T o o p t o u t , c a l l 1 - 8 6 6 - ** ** ** ** .[redacted]PROCESS_DATE=2014/01/[redacted]Invoice Number Account Number Date Due Page [redacted] Past Due 2 of3Get MinutesUsed Get DataUsed Get Balance#MIN +SEND #DATA +SEND #BAL +SENDExplanation ofCharges Payments[redacted]' Surcharges Previous Balance $1,609.54[redacted]' Surcharges include charges to recover or helpdefray costs of taxes and of governmental charges and fees No PaymentReceivedimposed on us, including a Regulatory Charge (which helps defray Total Payments $.00costs of various regulatory mandates, including governmentnumber administration and license fees) and a Federal Universal Balance ForwardDueImmediately $1,609.54Service Charge (and, if applicable, a State Universal ServiceCharge) to recover costs imposed on us by the government tosupport universal service, and may include other charges alsorelated to our governmental costs. It also includes anAdministrative Charge, which helps defray certain costs we incur,currently including (i) charges we, or our agents, pay localtelephone companies for delivering calls from our customers totheir customers, (ii) fees and assessments on network facilitiesand services, and (iii) certain costs and charges associated withproceedings related to new cell site construction. Please notethat these are [redacted] charges, not taxes. Thesecharges, and what's included, are subject to change from time totime.Taxes, GovernmentalSurchargesandFeesIncludes sales, excise and other taxes and governmentalsurcharges and fees that we are required by law to billcustomers. These taxes, surcharges and fees may change fromtime towithoutnotice.Late FeeInformationA latepaymentappliesforunpaidbalances.Thechargeisthegreater of$5or1.5%permonth,aspermittedbylaw.[redacted]' OtherChargesandCreditsIncludes chargesforproductsandservices,creditsowing.C o r r e s p o n d e n c e A d d r e s s : ** ** ** ** ** ** ** * P . O . B o x ** ** ** ** ** ** * , G A 3 0 3 4 8 Automatic PaymentEnrollmentforAccount:[redacted]By signing below, you authorize [redacted] to electronically debit your bank account each month for the total balance due on your account. The check you send will be used tosetup Automatic Payment. You will be notified each month of the date and amount of the debit 10 days in advance of the payment. I understand and accept these terms. Thisagreement does not alter the terms of your existing Customer Agreement. I agree that [redacted] is not liable for erroneous bill statements or incorrect debits to my account. Towithdraw yourauthorizationyoumustcall[redacted].Checkwithbankforanycharges.1. Checkthisbox. 2. Signnameinboxbelow,asshownonthebillanddate. 3. Returnthisslipwithyourcheckformonth'spayment.Changing yourbillingaddressforAccount:[redacted]Use thisspaceorsignintoMy[redacted]atwww.[redacted].comchangethemailingaddresswherew...⇄belowandwe'llusetotellyouimportantinformationaboutyour[redacted]service.Allow2bi...⇄ OFPRIMARYUSE(PPU)New AddressThe homeorbusinessmailingaddressindicatedtotheleftCity is forthepersonusingphone(s)andperson'sresidential streetaddressorprimarybusinessState/Zip ___YES___NOIf"NO"orformulti-lineaccount...⇄ Phone Evening Phone more thanonePPUaddress,pleasecontactourCustomerService DepartmentorvisitourwebsitetochangetheEmail user's [redacted].[redacted]PROCESS_DATE=2014/01/[redacted]Invoice Number Account Number Date Due Page [redacted] Past Due 3 ofNeed-to-Know InformationLimiting NotationsOnPaymentsWritten notationsincludedwithoronyourpaymentcannotbereviewedwhen billsareprocessedandwillnotbehonored.Pleasesendsuchnotated paymentandanyaccompanyingcorrespondencetotheCorrespondence AddressonPage2ofyourbill.Electronic FundTransfer(EFT)Your checkauthorizesuseithertomakeaone-timeelectronicfundstransfer (EFT)fromyouraccountorprocessasacheck.AnEFTmaybewithdrawn fromyouraccountthesamedayyoumakepaymentandyour checkisnotreturnedtoyou.IfyouwantbeexcludedfromEFT,please call1-[redacted].Ifpaymentisreturnedunpaid,youauthorized ustocollectanadditional$25feethroughEFTfromyouraccount.Experiencing AProblemWithYour[redacted]Device?Just contactustoll-freeat1-[redacted]fromalandlinephone.Ifwe can'tresolvetheproblemandiscausedbyamanufacturing defectwithinthefirstyearyouowndevice,we'llsendyou aCertifiedLike-NewReplacement(eitherlikeunitoroneofcomparable quality)righttoyourdoor.Celebrate [redacted]MonthWith[redacted]!Send internationaltext,photoandvideomessagesfromtheU.S.tomorethan 100countriesforthesamelowratesasdomesticmessages.Offerisvalid fromSeptember1,2011toOctober31,andincludesnewexisting [redacted]customers.Noactionrequired!Formoreinformation, visit[redacted].com/internationalmessaging.Revisions ToCustomerAgreement[redacted]isupdatingseveralprovisionsofyourCustomerAgreement: (i)wehaveincorporatedthedatacollection,useandsharingpractices outlinedinourPrivacyPolicy(www.[redacted].com/privacy)intoCustomer Agreement,andinformedyouhowtomakechoicesaboutwe usedatahaveaboutyour[redacted]use,(ii)specifiedtheamount ofourfeesforreactivatingterminated,orreconnectingsuspended, service,and(iii)wehavemadeiteasierforyoutoarbitratedisputes youhavewithus,includingagreeingtopayanyarbitrationfeeseven ifyouchoosetonotparticipateinourfreedisputemediationprogram. FortheupdatesandyourrevisedCustomerAgreement,pleasego towww.[redacted].com.ACCOUNT SUMMARY REPORT7/17/2017 8:58:43 AMThis account summary has been prepared by Resurgent 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] Owner Pinnacle Credit Services, LLCAddress: [redacted] Rd Apt [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted]State: TX Account Number XXXXXXXXXXX[redacted]Zip Code: 75007-4624 Current Balance Due $1609.54Date of Last Payment 05/27/2011Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 08/04/2009The account charge-off date was: 10/12/2011The account charge-off amount was: $1,609.54The account was acquired on or about: 12/20/2013The account was acquired from: [redacted] d/b/a [redacted]The account balance at time of acquisition: $1,609.54This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.
RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated January 10, 2017 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced...
accounts for Ms. [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle and began servicing them on or about April 18, 2016. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on April 13, 2009 with [redacted]. 2. The “Date of First Delinquency” for this account is May 8, 2010. 3. This account charged off on November 8, 2010 with a balance of $183.89. 4. This account was purchased from [redacted] d/b/a [redacted] on June 20, 2013. 5. No payments have been received on this account since Pinnacle acquired it in June 2013. 6. The current balance of this account is $183.89. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on August 13, 2010 with [redacted]. 2. The “Date of First Delinquency” for this acocunt is August 13, 2010. 3. This account charged off on January 24, 2011 with a balance of $724.36. 4. This account was purchased from [redacted] d/b/a [redacted] on October 1, 2013. 5. No payments have been received on this account since Pinnacle acquired it in October 2013. 6. The current balance of this account is $724.36. All ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reporting. Currently, these accounts are being reported as “disputed” to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of these accounts from the origination dates up to the times of sale. However, since the legal time limit for bureau reporting is approaching on these accounts, a request to delete the Pinnacle tradelines 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. 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. [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. Pinnacle utilizes third party collection agencies to service accounts on its behalf. These accounts have been placed with one of more of these third-party collection agencies since they were acquired by Pinnacle. Any notification requirements for these accounts would have been met by these collection agencies. We are providing the enclosed bill statement and account summary as verification of debt for account number ending in [redacted] in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. The enclosed letter containing verification of debt for account number ending in [redacted] was mailed to Ms. [redacted] on November 16, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing a bill statement as further verification of debt for the account number ending in [redacted]. If, after reviewing the above-referenced information, Ms. [redacted] believes these accounts are 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.pdf. If Ms. [redacted] believes that these accounts were previously paid or satisfied in full, please advise her to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department [redacted] Services L.P Enclosures
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance:...
$1,132.39 Dear Ms. [redacted]: This letter is in response to your correspondence received July 25, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on October 27, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,132.39. Please review the following account information: 1. This account originated on December 4, 2011 with [redacted]. 2. This account charged off on September 3, 2012 with a balance of $1,132.39. 3. No payments have been received on this account since Pinnacle acquired it in October 2014. Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and 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. Mr. [redacted]’s inquiry dated July 25, 2017 is the first written communication that Resurgent has received from Mr. [redacted] regarding the above-referenced account. We are providing the enclosed bill statements and an account summary 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. Per Mr. [redacted]’ request, a copy of our response will be mailed to him via U.S. Mail at the address provided on his Revdex.com inquiry. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then 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, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) Cc: [redacted]PROCESS_DATE=2014/11/[redacted]Manage YourAccount&ViewUsageDetails Account Number Date DueP.O. BOX[redacted], GA30348 My [redacted]atwww.[redacted].com [redacted] Past DueInvoice Number [redacted]Quick BillSummary Feb 17-Mar16KEYLINE/307055/[redacted] Previous Balance (see backfordetails) $465.34[redacted] Payment -ThankYou -$251.31[redacted], GA30705 Balance ForwardDueImmediately $214.03Account ChargesandCreditsIncludes LateFeeof$3.15 $3.15Monthly AccessCharges $123.86Usage Charges $.25[redacted]' Surchargesand OtherCharges&Credits $7.46Taxes, GovernmentalSurcharges&Fees $9.27Total CurrentChargesDuebyApril11,2012 $143.99Important MessageByThe ALP-AccountFederal CommunicationCommission ("FCC") Total Amount Due $358.02[redacted]haschosentooffer[redacted] emergencyalertswithinportions ofitsservicearea.Seelastpage ofbillformoredetails.Our recordsindicateyouraccountispastdue.Pleasesendpaymentnowtoavoidservicedisruption...⇄ PayontheWeb Questions:#PMT(#768) My[redacted]atwww.[redacted].com 1.800.[redacted] or[redacted]fromyour[redacted]Bill Date March 16,2012Account Number [redacted]Invoice Number [redacted] Total AmountDue[redacted] HIGHWAY**Make checkpayableto[redacted].[redacted], GA30705Please returnthisremitslipwithpayment. $358.02$ . PO BOX[redacted], TX75266-0108/[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]
d/b/a [redacted] Original Creditor: [redacted] Current Owner: [redacted] Services, LLC Account Number: [redacted] Reference Number: [redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated October 5, 2016 regarding the above-referenced account. [redacted] Credit Services, LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $355.28. Please review the following account information: 1. This account originated on December 9, 2009 with [redacted]. 2. This account charged off on November 22, 2011 with a balance of $355.28. 3. No payments have been received on this account since [redacted] acquired it in April 2014. After investigating the account, Resurgent has made the business decision to close the account. Additionally, a request to delete the [redacted] 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 Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance:...
$1,619.22 Dear Ms. [redacted]: This letter is in response to your correspondence dated April 4, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on December 20, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle, and began servicing it on April 18, 2016. As of the date of this communication, the account balance is $1,619.22. Please review the following account information: 1. This account originated on January 15, 2010 with [redacted]. 2. This account charged off on December 19, 2010 with a balance of $1,619.22. 3. No payments have been received on this account since Pinnacle acquired it in December 2013. 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, Pinnacle is not reporting the account to the major consumer reporting agencies as a request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies on or about March 2017 due to the expiration of the permissible reporting period. 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. Mr. [redacted]’s letter asserts that Pinnacle “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is June 19, 2010. A request to delete the Pinnacle tradeline was submitted to the consumer reporting agencies in March 2017. Resurgent has reviewed the allegation in Mr. [redacted]’s inquiry that the above referenced account was discharged in bankruptcy. Our records indicate that this account was opened after Mr. [redacted]’s bankruptcy was filed, and therefore was not included in his bankruptcy. Our records indicate that we received a notice from Mr. [redacted] requesting that we cease communication with him to this office on January 11, 2017. When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If 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 and/or bankruptcy, please forward it to: Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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:...
$1,121.91 Dear Ms. [redacted]: This letter is in response to your correspondence dated January 2, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on April 29, 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 $1,121.91. Please review the following account information: 1. This account originated on January 30, 2010 with [redacted]. 2. This account charged off on January 15, 2012 with a balance of $1,121.91. 3. No payments have been received on this account since Pinnacle acquired it in April 2014. 4. Enclosed are bill statements and an account summary on file for this account. We note that the bill statements are addressed to [redacted]. 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 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. 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.pdf. If 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 Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department [redacted] Services L.P. Enclosures
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:...
$1,857.21 Dear Ms. [redacted]: This letter is in response to your correspondence dated June 21, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle and began servicing it on or about April 18, 2016. As of the date of this communication, the account balance is $1,857.21. Please review the following account information: 1. This account originated on April 22, 2011 with [redacted]. 2. This account charged off on December 1, 2011 with a balance of $1,857.21. 3. No payments have been received on this account since Pinnacle acquired it 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 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. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and 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. Resurgent 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. We are providing the enclosed bill statements and an account summary 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. If 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: Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
[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] 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], 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 ***, and have determined that this does not resolve my complaint.
Basically this gentleman is saying "you have to prove that you don't owe us money," when they have yet to provide any proof that I ever had an account or any services with themInnocent until proven guilty, so show me the proofOtherwise, what's to stop a company from sending bills to a thousand random people and then selling off these invalid accounts to collectors? The onus of proof is on the company claiming a debt and no such proof has been providedShow me a contractShow me a billShow me a phone number I used with ***Show me a piece of paper with my signature on itYou won't be able to, because never in my life have I been a *** customerThis claim is fraudulent and invalid.Good day
*** ***
RE: *** ** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$898.10 Dear Ms***: This letter is in response to your correspondence dated January 7, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on October 1, *** *** Services LP ("***") is the servicer of the account owned by Pinnacle and began servicing it on or about April 18, As of the date of this communication, the account balance is $Please review the following account information: This account originated on December 16, with *** ***. This account charged off on October 15, with a balance of $898.10. No payments have been received on this account since Pinnacle acquired it in October 2013. Enclosed is a bill statement and 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 creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnacleHowever, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cyclePlease allow to days for this update to occurPrevious 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 Mrs*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her dispute. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is April 15, 2010. Mrs*** is correct that the statute of limitations for seeking legal action, such as a judgment, has expiredHowever, 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. *** 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. After investigating the account, we found no evidence of mishandlings alleged in the complaint. *** has not made any calls to Mrs***It is ***’s policy to require its servicers and employees to verify the party they are speaking to is the right party to ensure that no account information is provided to an unauthorized third-partyWe apologize for any inconvenience Mrs*** may have experienced. Our records do not indicate Mrs***’s husband is associated with this particular account. In order for us to further investigate her claim that the Pinnacle tradeline for this account is currently reporting on her husband’s credit report, please advise her to send a copy of his credit report showing the Pinnacle tradeline reporting to the address below. Mrs***’s January 7, inquiry contains language *** has interpreted to mean that we cease communication with herWhen a cease and desist request is received by our office, *** 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, Mrs*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mrs*** 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 Mrs*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: *** MS *** Attn: Complaint Department P.OBox *** Greenville, SC 29603 If Mrs*** has any further questions, comments or concerns, she may contact Customer Service at 1-***. Sincerely, AW*** Complaint Department *** *** Services L.P. Enclosures
Dear Ms***: This letter is in response to your correspondence dated October 4, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, *** *** Services LP
("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,284.24. Please review the following account information: This account originated on November 14, with *** ***. This account charged off on July 27, with a balance of $1,284.24. The last payment was received on March 7, 2011. No payments have been received on this account since Pinnacle acquired it in December 2013. Enclosed is a bill statement and account summary on file for this account on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn 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. Mr***’s letter asserts that Pinnacle “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is January 27, A request to delete the Pinnacle tradeline will be submitted on or about October 2017. Our records indicate that Mr*** submitted a notice requesting that we cease communication with him to our third-party servicer on October 3, When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If, after reviewing the above-referenced information, Mr*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr*** 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*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
I’m rejecting their response and will consult with my attorney to see what our next step will be
Regards,
*** ***
November 8, 2017 Cindy R*** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor:
*** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $705.10 Dear MsR***: This letter is in response to your correspondence received November 3, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on August 28, Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on February 10, with *** ***. This account charged off on June 6, with a balance of $705.10. No payments have been received on this account since Pinnacle acquired it in August 2014. Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Resurgent received the electronic dispute that Ms*** submitted through one or more consumer reporting agenciesResurgent has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Ms***’ letter asserts that Pinnacle “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is December 6, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in September 2018. Resurgent, as servicer for Pinnacle, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by PinnacleAny notification requirements for this account would have been met by these servicers. The enclosed letter containing verification of debt was mailed to Ms*** on October 6, 2017 in compliance with the Fair Debt Collection Practices Act (“FDCPA”)Additionally, we are providing the enclosed bill statements for your reviewThis account has been properly verified as required by the FDCPA. If, after reviewing the above-referenced information, Ms*** believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms*** believes that this account was previously paid or satisfied in full, then 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*** has any correspondence to/from the previous creditors concerning her dispute, then please forward it to: Compliance Department or Fax: 866-*** ** *** Attn: Compliance P.OBox *** Greenville, SC 29603 If Ms*** has any further questions, comments or concerns, she may contact Customer Service at 1-888-***. Sincerely, AB*** Compliance Department Resurgent Capital Services L.P. Enclosure(s) *** ***PROCESS_DATE=2014/10/***Manage YourAccount&ViewUsageDetails Account Number Date DueP.OBOX***ATLANTA, GAMy ***atwww.***.com ***-*** Past DueInvoice Number ***Quick BillSummary Dec 22-Jan21KEYLINE/***/*** *** Previous Balance (see backfordetails) $304.40*** ***DR Payment -ThankYou -$170.37***, FL33823-Balance ForwardDueImmediately $134.03Account ChargesandCreditsIncludes LateFeeof$$5.00Monthly AccessCharges $111.15*** ***' Surchargesand OtherCharges&Credits $4.78Taxes, GovernmentalSurcharges&Fees $13.98Total CurrentChargesDuebyFebruary16,$134.91***-AccountTotal Amount Due $
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
RE: *** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$557.44 Dear Ms***: This letter is in response to your correspondence dated December 16, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on February 18, *** *** Services LP ("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $Please review the following account information: This account originated on July 26, with *** ***. This account charged off on May 23, with a balance of $742.44. The last payment was received on July 5, 2011. No payments have been received on this account since Pinnacle acquired it in February 2014. 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 creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of saleOur records do not indicate that a request to delete the Pinnacle tradeline was ever sent to the three consumer reporting agenciesWe apologize for the inconvenience. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Mr***’s letter asserts that Pinnacle “re-ages” accountsPlease be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchasedThe “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit reportRather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting periodThe “Date of First Delinquency” for this account is November 23, A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies on or about August 2017. As part of our investigation, we reached out to the original creditor to verify Mr. ***’s claim that this account was paid prior to Pinnacle’s acquisitionIf we learn anything to substantiate his claim, we will update the account accordinglyIf Mr*** 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*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: *** ** *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-***. Sincerely, TH*** Complaint Department *** *** Services L.P. Enclosures
RE: *** ***; Case/File No* *** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Dear Ms***: This
letter is in response to your correspondence dated June 1, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in *** having acquired it on February 18, *** *** Services LP ("***") is the servicer of the account owned by PinnaclePlease review the following account information: This account originated on June 15, with *** ***. This account charged off on March 10, with a balance of $480.11. The last payment in the amount of $was received on July 1, 2016. We apologize for any inconvenience Mr*** may have experienced in his attempts to pay this accountOur payment history shows a payment of $was received on July 1, The status of the account was updated to “Paid in Full” on September 8, The account is considered resolved in our office, and Mr*** should not be contacted by *** or any affiliate companies regarding this accountIn accordance with the Fair Credit Reporting Act (“FCRA”), a request to update this account as “Paid in Full” will be submitted to the three major consumer reporting agencies during the next reporting cycle. If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, ** *** Complaint Department *** *** Services L.P
RE: *** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$1,335.25 Dear Ms***: This letter is in response to your correspondence dated May 31, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***. *** *** Services LP ("***") is the servicer of the account owned by PinnacleThe account was previously sold by *** Partnership d/b/a *** *** on or about August 28, As of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 27, with *** ***. This account charged off on September 15, with a balance of $1,335.25. No payments have been received on this account since Pinnacle acquired this account in August 2014. Bill statements and an account summary on file for this account are enclosed for review. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the electronic dispute that Ms*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. If, after reviewing the above-referenced information, Ms*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Ms*** 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*** has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Complaint Department or Fax: ###-###-#### MS *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at ###-###-####. Sincerely, ** *** Complaint Department *** *** Services L.P. Enclosures
January 6, 2017 *** *** Revdex.com of Upstate South Carolina NChurch StSuite C Greenville, SC 29601-2164 RE: *** ***; Case/File No*** Previous Creditor: *** *** d/b/a *** *** Original Creditor: ***
*** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance: $1,399.73 Dear Ms***: This letter is in response to your correspondence regarding Ms***’s July 29, inquiry concerning the above-referenced accountPinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in ***, having acquired it on December 16, *** *** Services L.P. (“***”) is the servicer of the account owned by Pinnacle*** began servicing the Pinnacle account on or about April 18, 2016. We recognize that Ms***’s inquiry was closed as “unanswered” by the South Carolina Revdex.com on August 1, We have now conducted an investigation of the account, and are providing this follresponse to ensure that all concerns raised by Ms*** have been addressedAs of the date of this communication, the account balance is $1,Please review the following account information: This account originated on August 31, with *** ***. This account charged off on May 27, with a balance of $1,399.73. No payments have been received on this account since Pinnacle acquired it in December 2014. 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 creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious 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*** submitted through one or more consumer reporting agencies were receivedA response was provided in a timely manner that provided the agency with information relevant to her disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt 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*** believes she is not responsible for the balance due on this account due to a Divorce DecreeHowever, a Divorce Decree is a civil matter, and Ms*** is still obligated to ensure satisfaction of the debt. If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, JA*** Complaint Department *** Capital Services L.P. Enclosures
RE: *** ** ***; Case/File No*** Previous Creditor: *** Partnership d/b/a *** *** Original Creditor: *** *** Current Owner: Pinnacle Credit Services, LLC Account Number: *** Reference Number: *** Current Balance:
$1,243.90 Dear Ms***: This letter is in response to your correspondence dated December 23, regarding the above-referenced accountPinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in ***, having acquired it on December 20, *** Capital Services LP ("***") is the servicer of the account owned by PinnacleAs of the date of this communication, the account balance is $1,243.90. Please review the following account information: This account originated on May 28, with *** ***. The last payment was received on September 13, 2010. This account charged off on April 13, with a balance of $1,245.89. No payments have been received on this account since Pinnacle acquired it in December 2013. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditorThose 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 reportingCurrently, this account is being reported to the three major consumer reporting agencies on behalf of PinnaclePrevious creditors may also continue to report the history of this account from the origination date up to the time of sale. *** received the multiple electronic disputes that Mr*** submitted through one or more consumer reporting agencies*** has responded in a timely manner and provided the agency with information relevant to his disputeIn accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agenciesIt will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. Verification of the debt was previously provided to Mr*** in October in response to his inquiry via the *** *** *** Bureau (“***”)Enclosed are the bill statement and account summary previously provided to Mr*** as verification of the debtThis account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). If, after reviewing the above-referenced information, Mr*** 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 matterBlank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf. If Mr*** 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*** has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: 866-*** MS *** Attn: Complaint Department P.OBox *** ***, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-***. Sincerely, TH*** Complaint Department *** Capital Services L.P. Enclosure(s)
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: $1,609.54 Dear Ms. [redacted]: This letter is in response to your correspondence dated July 10, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on December 20, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,609.54. Please review the following account information: 1. This account originated on August 4, 2009 with [redacted]. 2. This account charged off on October 12, 2011 with a balance of $1,609.54. 3. The last payment was received on May 27, 2011. 4. No payments have been received on this account since Pinnacle acquired it in December 2013. 5. Enclosed are a bill statement and an account summary on file for this account. Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Our records indicate that the permissible reporting period has not expired. Resurgent received the electronic dispute that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent will respond in a timely manner and provide the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, a request to update the Pinnacle tradeline for this account to “disputed” will be submitted to the three major consumer reporting agencies during the next reporting cycle. Resurgent, as servicer for Pinnacle, utilizes third-party servicers to service accounts on its behalf. This account has been placed with one or more of these third-party servicers since it was acquired by Pinnacle. Any notification requirements for this account would have been met by these servicers. If, after reviewing the above-referenced information, Ms. [redacted] believes this account is fraudulent, then we ask that she provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Ms. [redacted] believes that this account was previously paid or satisfied in full, then 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, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted]PROCESS_DATE=2014/01/[redacted]Manage YourAccount&ViewUsageDetails Account Number Date DueP.O. BOX[redacted]ATLANTA, GA30348 My [redacted].com [redacted] Past DueInvoice Number [redacted]Quick BillSummary Aug 14-Sep13KEYLINE/[redacted] Previous Balance (see backfordetails) $1,609.54[redacted] No PaymentReceived $.00[redacted], GA30071-3956 Balance ForwardDueImmediately $1,609.54Taxes, GovernmentalSurcharges&Fees $.00Total CurrentChargesDuebyOctober08,2011 $.00Total Amount Due $1,609.54Our recordsindicateyouraccountispastdue.Pleasesendpaymentnowtoavoidservicedisruption...⇄ PayontheWeb Questions:#PMT(#[redacted]) My[redacted]atwww.[redacted].com 1.800.[redacted] or[redacted]fromyour[redacted]Bill Date September 13,2011Account Number [redacted]Invoice Number [redacted] Total AmountDue[redacted]Make checkpayableto[redacted].[redacted], GA30071-3956Please returnthisremitslipwithpayment. $1,609.54$ , . PO BOX[redacted]DALLAS, TX75266-0108/[redacted]/C h e c k h e r e a n d f I l l o u t t h e b a c k o f t h I s s l I p I f y o u r b I l l I n g a d d r e s sh a s c h a n g e d o r y o u a r e a d d I n g o r c h a n g I n g y o u r e m a I l a d d r e s s .[redacted]N O T I C E : B a n k a c c o u n t a n d r o u t I n g n u m b e r s w I l l b e r e t a I n e d t o e n a b l e f u t u r e p a y m e n t s b y p h o n e o r o n l I n e . T o o p t o u t , c a l l 1 - 8 6 6 - ** ** ** ** .[redacted]PROCESS_DATE=2014/01/[redacted]Invoice Number Account Number Date Due Page [redacted] Past Due 2 of3Get MinutesUsed Get DataUsed Get Balance#MIN +SEND #DATA +SEND #BAL +SENDExplanation ofCharges Payments[redacted]' Surcharges Previous Balance $1,609.54[redacted]' Surcharges include charges to recover or helpdefray costs of taxes and of governmental charges and fees No PaymentReceivedimposed on us, including a Regulatory Charge (which helps defray Total Payments $.00costs of various regulatory mandates, including governmentnumber administration and license fees) and a Federal Universal Balance ForwardDueImmediately $1,609.54Service Charge (and, if applicable, a State Universal ServiceCharge) to recover costs imposed on us by the government tosupport universal service, and may include other charges alsorelated to our governmental costs. It also includes anAdministrative Charge, which helps defray certain costs we incur,currently including (i) charges we, or our agents, pay localtelephone companies for delivering calls from our customers totheir customers, (ii) fees and assessments on network facilitiesand services, and (iii) certain costs and charges associated withproceedings related to new cell site construction. Please notethat these are [redacted] charges, not taxes. Thesecharges, and what's included, are subject to change from time totime.Taxes, GovernmentalSurchargesandFeesIncludes sales, excise and other taxes and governmentalsurcharges and fees that we are required by law to billcustomers. These taxes, surcharges and fees may change fromtime towithoutnotice.Late FeeInformationA latepaymentappliesforunpaidbalances.Thechargeisthegreater of$5or1.5%permonth,aspermittedbylaw.[redacted]' OtherChargesandCreditsIncludes chargesforproductsandservices,creditsowing.C o r r e s p o n d e n c e A d d r e s s : ** ** ** ** ** ** ** * P . O . B o x ** ** ** ** ** ** * , G A 3 0 3 4 8 Automatic PaymentEnrollmentforAccount:[redacted]By signing below, you authorize [redacted] to electronically debit your bank account each month for the total balance due on your account. The check you send will be used tosetup Automatic Payment. You will be notified each month of the date and amount of the debit 10 days in advance of the payment. I understand and accept these terms. Thisagreement does not alter the terms of your existing Customer Agreement. I agree that [redacted] is not liable for erroneous bill statements or incorrect debits to my account. Towithdraw yourauthorizationyoumustcall[redacted].Checkwithbankforanycharges.1. Checkthisbox. 2. Signnameinboxbelow,asshownonthebillanddate. 3. Returnthisslipwithyourcheckformonth'spayment.Changing yourbillingaddressforAccount:[redacted]Use thisspaceorsignintoMy[redacted]atwww.[redacted].comchangethemailingaddresswherew...⇄ belowandwe'llusetotellyouimportantinformationaboutyour[redacted]service.Allow2bi...⇄ OFPRIMARYUSE(PPU)New AddressThe homeorbusinessmailingaddressindicatedtotheleftCity is forthepersonusingphone(s)andperson'sresidential streetaddressorprimarybusinessState/Zip ___YES___NOIf"NO"orformulti-lineaccount...⇄ Phone Evening Phone more thanonePPUaddress,pleasecontactourCustomerService DepartmentorvisitourwebsitetochangetheEmail user's [redacted].[redacted]PROCESS_DATE=2014/01/[redacted]Invoice Number Account Number Date Due Page [redacted] Past Due 3 ofNeed-to-Know InformationLimiting NotationsOnPaymentsWritten notationsincludedwithoronyourpaymentcannotbereviewedwhen billsareprocessedandwillnotbehonored.Pleasesendsuchnotated paymentandanyaccompanyingcorrespondencetotheCorrespondence AddressonPage2ofyourbill.Electronic FundTransfer(EFT)Your checkauthorizesuseithertomakeaone-timeelectronicfundstransfer (EFT)fromyouraccountorprocessasacheck.AnEFTmaybewithdrawn fromyouraccountthesamedayyoumakepaymentandyour checkisnotreturnedtoyou.IfyouwantbeexcludedfromEFT,please call1-[redacted].Ifpaymentisreturnedunpaid,youauthorized ustocollectanadditional$25feethroughEFTfromyouraccount.Experiencing AProblemWithYour[redacted]Device?Just contactustoll-freeat1-[redacted]fromalandlinephone.Ifwe can'tresolvetheproblemandiscausedbyamanufacturing defectwithinthefirstyearyouowndevice,we'llsendyou aCertifiedLike-NewReplacement(eitherlikeunitoroneofcomparable quality)righttoyourdoor.Celebrate [redacted]MonthWith[redacted]!Send internationaltext,photoandvideomessagesfromtheU.S.tomorethan 100countriesforthesamelowratesasdomesticmessages.Offerisvalid fromSeptember1,2011toOctober31,andincludesnewexisting [redacted]customers.Noactionrequired!Formoreinformation, visit[redacted].com/internationalmessaging.Revisions ToCustomerAgreement[redacted]isupdatingseveralprovisionsofyourCustomerAgreement: (i)wehaveincorporatedthedatacollection,useandsharingpractices outlinedinourPrivacyPolicy(www.[redacted].com/privacy)intoCustomer Agreement,andinformedyouhowtomakechoicesaboutwe usedatahaveaboutyour[redacted]use,(ii)specifiedtheamount ofourfeesforreactivatingterminated,orreconnectingsuspended, service,and(iii)wehavemadeiteasierforyoutoarbitratedisputes youhavewithus,includingagreeingtopayanyarbitrationfeeseven ifyouchoosetonotparticipateinourfreedisputemediationprogram. FortheupdatesandyourrevisedCustomerAgreement,pleasego towww.[redacted].com.ACCOUNT SUMMARY REPORT7/17/2017 8:58:43 AMThis account summary has been prepared by Resurgent 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] Owner Pinnacle Credit Services, LLCAddress: [redacted] Rd Apt [redacted] Resurgent Reference # [redacted]City: [redacted] Original Creditor [redacted]State: TX Account Number XXXXXXXXXXX[redacted]Zip Code: 75007-4624 Current Balance Due $1609.54Date of Last Payment 05/27/2011Historical Account InformationThe original creditor for this account was: [redacted]The origination date with original creditor was: 08/04/2009The account charge-off date was: 10/12/2011The account charge-off amount was: $1,609.54The account was acquired on or about: 12/20/2013The account was acquired from: [redacted] d/b/a [redacted]The account balance at time of acquisition: $1,609.54This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.
RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated January 10, 2017 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced...
accounts for Ms. [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle and began servicing them on or about April 18, 2016. Please review the following account information: Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on April 13, 2009 with [redacted]. 2. The “Date of First Delinquency” for this account is May 8, 2010. 3. This account charged off on November 8, 2010 with a balance of $183.89. 4. This account was purchased from [redacted] d/b/a [redacted] on June 20, 2013. 5. No payments have been received on this account since Pinnacle acquired it in June 2013. 6. The current balance of this account is $183.89. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on August 13, 2010 with [redacted]. 2. The “Date of First Delinquency” for this acocunt is August 13, 2010. 3. This account charged off on January 24, 2011 with a balance of $724.36. 4. This account was purchased from [redacted] d/b/a [redacted] on October 1, 2013. 5. No payments have been received on this account since Pinnacle acquired it in October 2013. 6. The current balance of this account is $724.36. All ownership rights in these accounts were transferred to Pinnacle when these accounts were purchased from the previous creditor(s). Those include the right to collect on the accounts and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that these accounts are eligible for credit reporting. Currently, these accounts are being reported as “disputed” to the three major consumer reporting agencies on behalf of Pinnacle. Previous creditors may also continue to report the history of these accounts from the origination dates up to the times of sale. However, since the legal time limit for bureau reporting is approaching on these accounts, a request to delete the Pinnacle tradelines 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. 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. [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. Pinnacle utilizes third party collection agencies to service accounts on its behalf. These accounts have been placed with one of more of these third-party collection agencies since they were acquired by Pinnacle. Any notification requirements for these accounts would have been met by these collection agencies. We are providing the enclosed bill statement and account summary as verification of debt for account number ending in [redacted] in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. The enclosed letter containing verification of debt for account number ending in [redacted] was mailed to Ms. [redacted] on November 16, 2016 in compliance with the Fair Debt Collection Practices Act (“FDCPA”). Additionally, we are enclosing a bill statement as further verification of debt for the account number ending in [redacted]. If, after reviewing the above-referenced information, Ms. [redacted] believes these accounts are 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.pdf. If Ms. [redacted] believes that these accounts were previously paid or satisfied in full, please advise her to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) of payment in full. In addition, if Ms. [redacted] has any correspondence to/from the previous creditors concerning her dispute, please forward it to: Compliance Department or Fax: [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department [redacted] Services L.P Enclosures
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance:...
$1,132.39 Dear Ms. [redacted]: This letter is in response to your correspondence received July 25, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on October 27, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $1,132.39. Please review the following account information: 1. This account originated on December 4, 2011 with [redacted]. 2. This account charged off on September 3, 2012 with a balance of $1,132.39. 3. No payments have been received on this account since Pinnacle acquired it in October 2014. Pinnacle acquired all ownership rights in this account upon Pinnacle’s purchase of this account. Those rights include, but are not limited to, the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) should the account be eligible for credit reporting. Currently, this account is being reported to the three major consumer reporting agencies on behalf of Pinnacle. Resurgent received the multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and 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. Mr. [redacted]’s inquiry dated July 25, 2017 is the first written communication that Resurgent has received from Mr. [redacted] regarding the above-referenced account. We are providing the enclosed bill statements and an account summary 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. Per Mr. [redacted]’ request, a copy of our response will be mailed to him via U.S. Mail at the address provided on his Revdex.com inquiry. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, then we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit. If Mr. [redacted] believes that this account was previously paid or satisfied in full, then 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, then please forward it to: Compliance Department or Fax: 866-[redacted] Attn: Compliance P.O. Box [redacted], SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) Cc: [redacted]PROCESS_DATE=2014/11/[redacted]Manage YourAccount&ViewUsageDetails Account Number Date DueP.O. BOX[redacted], GA30348 My [redacted]atwww.[redacted].com [redacted] Past DueInvoice Number [redacted]Quick BillSummary Feb 17-Mar16KEYLINE/307055/[redacted] Previous Balance (see backfordetails) $465.34[redacted] Payment -ThankYou -$251.31[redacted], GA30705 Balance ForwardDueImmediately $214.03Account ChargesandCreditsIncludes LateFeeof$3.15 $3.15Monthly AccessCharges $123.86Usage Charges $.25[redacted]' Surchargesand OtherCharges&Credits $7.46Taxes, GovernmentalSurcharges&Fees $9.27Total CurrentChargesDuebyApril11,2012 $143.99Important MessageByThe ALP-AccountFederal CommunicationCommission ("FCC") Total Amount Due $358.02[redacted]haschosentooffer[redacted] emergencyalertswithinportions ofitsservicearea.Seelastpage ofbillformoredetails.Our recordsindicateyouraccountispastdue.Pleasesendpaymentnowtoavoidservicedisruption...⇄ PayontheWeb Questions:#PMT(#768) My[redacted]atwww.[redacted].com 1.800.[redacted] or[redacted]fromyour[redacted]Bill Date March 16,2012Account Number [redacted]Invoice Number [redacted] Total AmountDue[redacted] HIGHWAY**Make checkpayableto[redacted].[redacted], GA30705Please returnthisremitslipwithpayment. $358.02$ . PO BOX[redacted], TX75266-0108/[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: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership...
d/b/a [redacted] Original Creditor: [redacted] Current Owner: [redacted] Services, LLC Account Number: [redacted] Reference Number: [redacted]
Dear Ms. [redacted]: This letter is in response to your correspondence dated October 5, 2016 regarding the above-referenced account. [redacted] Credit Services, LLC ("[redacted]") owns the account number ending in [redacted], having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by [redacted]. As of the date of this communication, the account balance is $355.28. Please review the following account information: 1. This account originated on December 9, 2009 with [redacted]. 2. This account charged off on November 22, 2011 with a balance of $355.28. 3. No payments have been received on this account since [redacted] acquired it in April 2014. After investigating the account, Resurgent has made the business decision to close the account. Additionally, a request to delete the [redacted] 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 Resurgent Capital Services L.P.
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance:...
$1,619.22 Dear Ms. [redacted]: This letter is in response to your correspondence dated April 4, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on December 20, 2013. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle, and began servicing it on April 18, 2016. As of the date of this communication, the account balance is $1,619.22. Please review the following account information: 1. This account originated on January 15, 2010 with [redacted]. 2. This account charged off on December 19, 2010 with a balance of $1,619.22. 3. No payments have been received on this account since Pinnacle acquired it in December 2013. 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, Pinnacle is not reporting the account to the major consumer reporting agencies as a request to delete the Pinnacle tradeline was submitted to the three major consumer reporting agencies on or about March 2017 due to the expiration of the permissible reporting period. 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. Mr. [redacted]’s letter asserts that Pinnacle “re-ages” accounts. Please be advised that for purchased debt, the consumer reporting agencies use the “Open Date” field only to reflect the date that the account was purchased. The “Open Date” is not used in calculating the seven-year period that derogatory information remains on a credit report. Rather, it is the “Date of First Delinquency” that the consumer reporting agencies use for determining the start of the seven-year reporting period. The “Date of First Delinquency” for this account is June 19, 2010. A request to delete the Pinnacle tradeline was submitted to the consumer reporting agencies in March 2017. Resurgent has reviewed the allegation in Mr. [redacted]’s inquiry that the above referenced account was discharged in bankruptcy. Our records indicate that this account was opened after Mr. [redacted]’s bankruptcy was filed, and therefore was not included in his bankruptcy. Our records indicate that we received a notice from Mr. [redacted] requesting that we cease communication with him to this office on January 11, 2017. When such a request is received by our office, we place a restriction on the account so that no further contact is made to the customer. If 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 and/or bankruptcy, please forward it to: Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, T. H[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
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:...
$1,121.91 Dear Ms. [redacted]: This letter is in response to your correspondence dated January 2, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on April 29, 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 $1,121.91. Please review the following account information: 1. This account originated on January 30, 2010 with [redacted]. 2. This account charged off on January 15, 2012 with a balance of $1,121.91. 3. No payments have been received on this account since Pinnacle acquired it in April 2014. 4. Enclosed are bill statements and an account summary on file for this account. We note that the bill statements are addressed to [redacted]. 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 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. 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.pdf. If 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 Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-[redacted]. Sincerely, A. W[redacted] Complaint Department [redacted] Services L.P. Enclosures
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:...
$1,857.21 Dear Ms. [redacted]: This letter is in response to your correspondence dated June 21, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on April 29, 2014. Resurgent Capital Services LP ("Resurgent") is the servicer of the account owned by Pinnacle and began servicing it on or about April 18, 2016. As of the date of this communication, the account balance is $1,857.21. Please review the following account information: 1. This account originated on April 22, 2011 with [redacted]. 2. This account charged off on December 1, 2011 with a balance of $1,857.21. 3. No payments have been received on this account since Pinnacle acquired it 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 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. Resurgent received the multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies. Resurgent has responded in a timely manner and 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. Resurgent 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. We are providing the enclosed bill statements and an account summary 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. If 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: Compliance Department or Fax: 866-[redacted] MS [redacted] Attn: Compliance P.O. Box [redacted] Greenville, SC 29603 If Ms. [redacted] has any further questions, comments or concerns, she may contact Customer Service at 1-888-[redacted]. Sincerely, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
RE: Revdex.com File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] 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] 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], 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