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]
February 27, 2018 Cindy Rigdon Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 22, 2018 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) currently owns the account number ending in [redacted], having subsequently acquired it on February 18, 2014. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this Pinnacle account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. This account originated on January 21, 2009 with [redacted]. The account charged off on June 29, 2011 with a balance of $2,712.97. No payments have been received on this account since it was acquired by Pinnacle. The current account balance is $2,712.97. Enclosed are bill statements and an account summary that includes additional account information. 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, Pinnacle is not reporting the account to the major consumer reporting agencies, as the permissible reporting period for the account expired in September 2017. 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. This account was previously placed with [redacted] Outsourcing, Inc. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. 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 December 29, 2010. For this reason, we respectfully disagree with Mr. [redacted]’s assertion that this account was reported in violation of the Fair Credit Reporting Act (“FCRA”). 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] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted]PROCESS_DATE=2014/04/18[redacted]Manage YourAccount&ViewUsageDetails Account Number Date DueP OBOX[redacted]ATLANTA, GA30348 My [redacted].com [redacted] Past Due
This debt was written off and sold to the collection agency who I have no contract with. I don't think they are a servicer. They bought this debt from [redacted]. I have since acquired new service with [redacted].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Despite the claims that they had previously responded to me, which are not accurate, as they simply responded to the credit reporting bureaus, refusing to give me any of this information directly until you intervened, I am satisfied with the response and agreement to remove this from my credit reports.
Thank you for your intervention,
[redacted]
RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated June 23, 2016...
regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] having acquired it on August 28, 2014. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. Please review the following account information: 1. This account originated on March 11, 2009 with [redacted]. 2. This account charged off on June 10, 2012 with a balance of $573.13. 3. No payments have been received on this account since Pinnacle acquired it in August 2014. [redacted] would like to thank Mr. [redacted] for bringing this matter to our attention. After investigating the account, the account has been closed. Additionally, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I read your response and I also sent it over to my attorney. We disagree and do not accept your response. As I had...
stated previously in my complaint, My attorney has done all the reviewing and investigation that is needed and has determined that in fact, that this account is indeed over 7 years old. Furthermore Since the original Creditors( [redacted]) has sold the account/debt to Pinnacle, then [redacted] and then now to your company, the contract([redacted]) is void. Because there wasn't any contracts after [redacted] sold it to Pinnacle. Which [redacted] no longer has the account and I have the letter to prove it. [redacted] then wrote off the debt on their taxes which wrote off MY obligation to pay. Meaning the dispute reason is " contract is cancelled" or "No contract". Which this happened when [redacted] did the hand off to all three of the collection agencies(including yours). And then [redacted] sent it back to you, which means 4 hand offs and NO CONTRACT. And furthermore, Pinnacle is showing up on all 3 of my credit reports. You even stated in your letter that [redacted] DID sale the debt. And because of this , it immediately wrote off my obligation to pay. It is in your best interest and Pinnacle's, to delete/remove this account EFFECTIVE IMMEDIATELY from all 3 credit bureaus. THIS ISN'T NEGOTIABLE. And since A. B[redacted] does not have the title at the end of his/her name of Attorney at Law, then I highly doubt that they know anything. My attorney has been working with me over the last 6 months. I will be more then happy for my attorney to call your office and fill you in on the same information that I have been giving you. PLEASE REMOVE/DELETE THIS ACCOUNT IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ />
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
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:...
$782.85 Dear Ms. [redacted]: This letter is in response to your correspondence received July 28, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on June 19, 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 $782.85. Please review the following account information: 1. This account originated on July 7, 2010 with [redacted]. 2. This account charged off on September 9, 2011 with a balance of $782.85. 3. No payments have been received on this account since Pinnacle acquired it in June 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 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. The enclosed letter dated May 12, 2017 containing the validation notice was mailed to Ms. [redacted] as well as the enclosed letter dated May 12, 2017containing verification of debt. Additionally, we are providing the enclosed bill statements on file for the account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 28, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Dear Ms. [redacted]: This letter is in response to your correspondence dated August 29, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted] [redacted] Services LP ("[redacted]") is the servicer of the account...
owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] ("[redacted]") on or about April 29, 2014. As of the date of this communication, the account balance is $767.76. Please review the following account information: 1. This account originated on February 13, 2010 with [redacted]. 2. This account charged off on January 6, 2012 with a balance of $767.76. 3. No payments have been received on this account since Pinnacle purchased the account in April 2014. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the three major consumer reporting agencies on behalf of Pinnacle. However, after investigating the account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in Mr. [redacted]’ credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If Mr. [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Mr. [redacted]’ complaint references an individual named [redacted] in connection with his credit report. Our recordings indicate that this individual is not associated with this account. We are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
October 18, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $234.59Dear Ms. R[redacted]:This letter is in response to your correspondence received October 11, 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. As of the date of this communication, the account balance is $234.59. Please review the following account information:1. This account originated on January 18, 2011 with [redacted]. 2. This account charged off on March 9, 2012 with a balance of $234.59. 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.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.The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is September 9, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in June 2018.Ms. [redacted]’ October 11, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer.Regarding Ms. [redacted]’ claim that this account was paid and transferred into someone else’s name, we ask that she provide documentation showing that the account was transferred so that we may further investigate her claim. Documentation may be forwarded to the address below. 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] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If 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: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Wireless Original Creditor: [redacted] Wireless Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $63.77 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 25, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on January 27, 2009. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $63.77. Please review the following account information: 1. This account originated on March 12, 2006 with [redacted] Wireless. Upon information and belief, [redacted] Wireless is located at the below address: [redacted] Wireless 1 [redacted] Way [redacted], NJ 07920 2. This account charged off on July 22, 2006 with a balance of $63.77. 3. No payments have been received on this account since Pinnacle acquired it in January 2009. 4. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies in the event that the account is eligible for credit reporting. Currently, Pinnacle is not reporting the account to the major consumer reporting agencies. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced regarding the collection of this account. [redacted] complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Mr. [redacted]’s October 25, 2016 inquiry contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures ACCOUNT SUMMARY REPORT10/26/2016 8:39:16 AMThis account summary has been prepared by [redacted] Capital Services on behalf of Pinnacle Credit Services, LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted]1573 Owner Pinnacle Credit Services, LLCAddress: [redacted] Ln [redacted] Reference # [redacted]City: [redacted] Original Creditor [redacted] WirelessState: MN Account Number [redacted]Zip Code: [redacted] Current Balance Due $63.77Historical Account InformationThe original creditor for this account was: [redacted] WirelessThe origination date with original creditor was: 03/12/2006The account charge-off date was: 07/22/2006The account charge-off amount was: $63.77The account was acquired on or about: 01/27/2009The account was acquired from: [redacted] d/b/a [redacted] WirelessThe account balance at time of acquisition: $63.77This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
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]
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 if the terms stated are met and the item is removed from my credit report.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
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:...
$1,600.17 Dear Ms. [redacted]: This letter is in response to your correspondence dated February 2, 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. [redacted] Capital Services LP ("[redacted]") 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 $1,600.17. Please review the following account information: 1. This account originated on January 10, 2012 with [redacted]. 2. This account charged off on July 18, 2012 with a balance of $1,600.17. 3. No payments have been received on this account since Pinnacle acquired it 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. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. [redacted] has responded in a timely manner and provided the agency with information relevant to his/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. Pinnacle utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by Pinnacle. Any notification requirements for this account would have been met by these collection agencies. We are providing the enclosed bill statements and 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, [redacted] believes this account is fraudulent, we ask that he/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 [redacted] believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] Attn: Compliance P.O. Box [redacted] [redacted], SC 29603 If [redacted] has any further questions, comments or concerns, he/she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department [redacted] Capital Services L.P. Enclosure(s)
Balance: $289.70 Dear Ms. [redacted]: This letter is in response to your correspondence received August 17, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on June 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 $289.70. Please review the following account information: 1. This account originated on October 1, 2008 with [redacted]. 2. This account charged off on September 29, 2010 with a balance of $289.70. 3. No payments have been received on this account since Pinnacle acquired it in June 2013. 4. Enclosed is 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, Pinnacle is not reporting the account to the major consumer reporting agencies. 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. This account was previously placed with [redacted] Collection Bureau, Inc. We have confirmed with our third-party servicer that they are not reporting this account to any of the three major credit reporting agencies on behalf of Pinnacle. Please be advised that we are unable to alter the credit reporting of another creditor. Ms. [redacted] should contact the appropriate consumer reporting agencies regarding any information she believes is being reported in error. 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, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I am not a [redacted] customer and never have been. I've been with [redacted] with he same phone number for over 10 years. All...
you're showing me is some supposed amount I owe, but no indication of what I'm being charged for or any evidence of an account that existed with [redacted]. What phone number was on the account? What is this erroneous charge for? There's is no answer because I am not and have never been a [redacted] customer.
Regards,
[redacted]
March 6, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] dated March 2, 2018 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by Pinnacle. Resurgent has received and reviewed Mr. [redacted]’s March 2, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated February 22, 2018 which is substantially the same as his March 2, 2018 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, Pinnacle is not reporting the account to the major credit reporting agencies as a request to delete the Pinnacle tradeline for this account was submitted to the three major consumer reporting agencies on or about October 4, 2017. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P.
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] Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] on or about December 16, 2014. Please review the following account information: 1. This account originated on January 3, 2001 with [redacted]. 2. This account charged off on August 16, 2012 with a balance of $322.91 3. The last payment in the amount of $172.91 was received on January 5, 2015. We have verified this account was paid in full on January 5, 2015 for $172.91. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by [redacted] or any affiliate companies regarding this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as “Paid in Full” to the three major consumer reporting agencies on behalf of Pinnacle. As a courtesy, a request to delete the Pinnacle tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for these updates to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts...
for [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle. Please review the following account information:
[redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on June 9, 2008 with [redacted]. 2. This account charged off on November 5, 2010 with a balance of $838.14. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on February 18, 2014. 4. No payments have been received on this account since Pinnacle acquired it in February 2014. 5. The current balance of this account is $838.14. We have enclosed the [redacted] Contract Agreement, a bill statement and an account summary on file for this account. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on January 29, 2011 with [redacted]. 2. This account charged off on January 27, 2012 with a balance of $650.67. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on April 29, 2014. 4. No payments have been received on this account since Pinnacle acquired it in April 2014. 5. The current balance of this account is $650.67. 6. We have enclosed a bill statement and an account summary on file for this account. 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 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. Regarding the account ending in [redacted], 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 these accounts are 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. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced. Mr. [redacted]’s May 31, 2016 complaint contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes these accounts are 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 these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) 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: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P Enclosures
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
February 27, 2018 Cindy Rigdon Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Account Number: [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the Revdex.com (“Revdex.com”) inquiry received February 22, 2018 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) currently owns the account number ending in [redacted], having subsequently acquired it on February 18, 2014. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of this Pinnacle account. Please note that Resurgent takes its customer service and consumer protection obligations very seriously and has significant resources dedicated to its compliance-related functions to identify, to resolve and to permanently correct potential operational deficiencies as well as improve upon customer concerns. This account originated on January 21, 2009 with [redacted]. The account charged off on June 29, 2011 with a balance of $2,712.97. No payments have been received on this account since it was acquired by Pinnacle. The current account balance is $2,712.97. Enclosed are bill statements and an account summary that includes additional account information. 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, Pinnacle is not reporting the account to the major consumer reporting agencies, as the permissible reporting period for the account expired in September 2017. 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. This account was previously placed with [redacted] Outsourcing, Inc. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. 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 December 29, 2010. For this reason, we respectfully disagree with Mr. [redacted]’s assertion that this account was reported in violation of the Fair Credit Reporting Act (“FCRA”). 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] Greenville, SC 29603 If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s) [redacted]PROCESS_DATE=2014/04/18[redacted]Manage YourAccount&ViewUsageDetails Account Number Date DueP OBOX[redacted]ATLANTA, GA30348 My [redacted].com [redacted] Past Due
This debt was written off and sold to the collection agency who I have no contract with. I don't think they are a servicer. They bought this debt from [redacted]. I have since acquired new service with [redacted].
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Despite the claims that they had previously responded to me, which are not accurate, as they simply responded to the credit reporting bureaus, refusing to give me any of this information directly until you intervened, I am satisfied with the response and agreement to remove this from my credit reports.
Thank you for your intervention,
[redacted]
RE: [redacted]; Case/File No. [redacted] Original Creditor: [redacted] Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated June 23, 2016...
regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] having acquired it on August 28, 2014. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. Please review the following account information: 1. This account originated on March 11, 2009 with [redacted]. 2. This account charged off on June 10, 2012 with a balance of $573.13. 3. No payments have been received on this account since Pinnacle acquired it in August 2014. [redacted] would like to thank Mr. [redacted] for bringing this matter to our attention. After investigating the account, the account has been closed. Additionally, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I read your response and I also sent it over to my attorney. We disagree and do not accept your response. As I had...
stated previously in my complaint, My attorney has done all the reviewing and investigation that is needed and has determined that in fact, that this account is indeed over 7 years old. Furthermore Since the original Creditors( [redacted]) has sold the account/debt to Pinnacle, then [redacted] and then now to your company, the contract([redacted]) is void. Because there wasn't any contracts after [redacted] sold it to Pinnacle. Which [redacted] no longer has the account and I have the letter to prove it. [redacted] then wrote off the debt on their taxes which wrote off MY obligation to pay. Meaning the dispute reason is " contract is cancelled" or "No contract". Which this happened when [redacted] did the hand off to all three of the collection agencies(including yours). And then [redacted] sent it back to you, which means 4 hand offs and NO CONTRACT. And furthermore, Pinnacle is showing up on all 3 of my credit reports. You even stated in your letter that [redacted] DID sale the debt. And because of this , it immediately wrote off my obligation to pay. It is in your best interest and Pinnacle's, to delete/remove this account EFFECTIVE IMMEDIATELY from all 3 credit bureaus. THIS ISN'T NEGOTIABLE. And since A. B[redacted] does not have the title at the end of his/her name of Attorney at Law, then I highly doubt that they know anything. My attorney has been working with me over the last 6 months. I will be more then happy for my attorney to call your office and fill you in on the same information that I have been giving you. PLEASE REMOVE/DELETE THIS ACCOUNT IMMEDIATELY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!...⇄ /> Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
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:...
$782.85 Dear Ms. [redacted]: This letter is in response to your correspondence received July 28, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on June 19, 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 $782.85. Please review the following account information: 1. This account originated on July 7, 2010 with [redacted]. 2. This account charged off on September 9, 2011 with a balance of $782.85. 3. No payments have been received on this account since Pinnacle acquired it in June 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 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. The enclosed letter dated May 12, 2017 containing the validation notice was mailed to Ms. [redacted] as well as the enclosed letter dated May 12, 2017containing verification of debt. Additionally, we are providing the enclosed bill statements on file for the account. This account has been properly verified as required by the Fair Debt Collection Practices Act (“FDCPA”). Our records indicate that Ms. [redacted] submitted a notice requesting that we cease communication with her to this office on June 28, 2017. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further contact is made to the customer. 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, A. J[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Dear Ms. [redacted]: This letter is in response to your correspondence dated August 29, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted] [redacted] Services LP ("[redacted]") is the servicer of the account...
owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] ("[redacted]") on or about April 29, 2014. As of the date of this communication, the account balance is $767.76. Please review the following account information: 1. This account originated on February 13, 2010 with [redacted]. 2. This account charged off on January 6, 2012 with a balance of $767.76. 3. No payments have been received on this account since Pinnacle purchased the account in April 2014. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the three major consumer reporting agencies on behalf of Pinnacle. However, after investigating the account, a request to delete the Pinnacle tradeline will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. The multiple electronic disputes that Mr. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to his dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. The term “open” in Mr. [redacted]’ credit report is not meant to indicate that the account is open or can be used. The term refers instead to the account’s “portfolio type,” one of the data reporting elements required by the consumer reporting agencies, and means only that the entire balance is due upon demand. Because the account was charged off and the entire balance is therefore delinquent and due, this is an accurate description of the account’s portfolio type. If Mr. [redacted] has additional questions related to the credit reporting, then he will need to contact the appropriate consumer reporting agencies. Mr. [redacted]’ complaint references an individual named [redacted] in connection with his credit report. Our recordings indicate that this individual is not associated with this account. We are providing the enclosed bill statements and account summary on file for this account as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809(15 U.S.C.§ 1692(g)) and applicable state and local requirements. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures
October 18, 2017Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164RE: [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: $234.59Dear Ms. R[redacted]:This letter is in response to your correspondence received October 11, 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. As of the date of this communication, the account balance is $234.59. Please review the following account information:1. This account originated on January 18, 2011 with [redacted]. 2. This account charged off on March 9, 2012 with a balance of $234.59. 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.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.The multiple electronic disputes that Ms. [redacted] submitted through one or more consumer reporting agencies were received. A response was provided in a timely manner that provided the agency with information relevant to her dispute. In accordance with the Fair Credit Reporting Act, the Pinnacle tradeline for this account is being reported as “disputed” to the three major consumer reporting agencies. It will continue to report as such throughout the permissible reporting period unless new information indicates that the dispute should be removed. [redacted] charged off this debt and sold the account. “Charge-off” does not mean that a debt has been satisfied. It is an accounting term which means that an account or receivable is no longer considered an asset for accounting purposes. Charging off an account does not affect the consumer’s responsibility for the amount owed. An account remains collectible after charge-off, and if the account is sold the new owner has the right to collect it. Entries regarding a charged-off account may remain on a credit report for up to seven years. The consumer reporting agencies use the “Date of First Delinquency” to determine the start of the seven-year reporting period. The “Date of First Delinquency” for this account is September 9, 2011. A request to delete the Pinnacle tradeline will be submitted to the consumer reporting agencies in June 2018.Ms. [redacted]’ October 11, 2017 inquiry contains language Resurgent has interpreted to mean that we cease communication with her. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that no further written or verbal contact is made to our customer.Regarding Ms. [redacted]’ claim that this account was paid and transferred into someone else’s name, we ask that she provide documentation showing that the account was transferred so that we may further investigate her claim. Documentation may be forwarded to the address below. 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] MS [redacted] Attn: Compliance P.O. Box [redacted], SC 29603If 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: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Wireless Original Creditor: [redacted] Wireless Current Owner: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current Balance: $63.77 Dear Ms. [redacted]: This letter is in response to your correspondence dated October 25, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on January 27, 2009. [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. As of the date of this communication, the account balance is $63.77. Please review the following account information: 1. This account originated on March 12, 2006 with [redacted] Wireless. Upon information and belief, [redacted] Wireless is located at the below address: [redacted] Wireless 1 [redacted] Way [redacted], NJ 07920 2. This account charged off on July 22, 2006 with a balance of $63.77. 3. No payments have been received on this account since Pinnacle acquired it in January 2009. 4. Enclosed is an account summary on file for this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies in the event that the account is eligible for credit reporting. Currently, Pinnacle is not reporting the account to the major consumer reporting agencies. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. Accordingly, we expect the same of the servicers collecting on our behalf. After investigating the account, we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced regarding the collection of this account. [redacted] complies with all applicable regulatory and licensing requirements in each state where it operates. Specific information regarding licensing can be found on the appropriate regulator’s website. Mr. [redacted]’s October 25, 2016 inquiry contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, [redacted] places a restriction on the account so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes this account is fraudulent, we ask that he provide a completed police/incident report regarding the fraud or a notarized fraud or identity theft affidavit in order to help us resolve this matter. Blank forms are available at the FTC's website: http://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit...⇄ Mr. [redacted] believes that this account was previously paid or satisfied in full, please advise him to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if Mr. [redacted] has any correspondence to/from the previous creditors concerning his dispute, please forward it to: Complaint Department or Fax: [redacted] Attn: Complaint Department P.O. Box [redacted], SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P. Enclosures ACCOUNT SUMMARY REPORT10/26/2016 8:39:16 AMThis account summary has been prepared by [redacted] Capital Services on behalf of Pinnacle Credit Services, LLC. It is not a credit card or other account statement from the original creditor.Borrower Information Current Account InformationName: [redacted]1573 Owner Pinnacle Credit Services, LLCAddress: [redacted] Ln [redacted] Reference # [redacted]City: [redacted] Original Creditor [redacted] WirelessState: MN Account Number [redacted]Zip Code: [redacted] Current Balance Due $63.77Historical Account InformationThe original creditor for this account was: [redacted] WirelessThe origination date with original creditor was: 03/12/2006The account charge-off date was: 07/22/2006The account charge-off amount was: $63.77The account was acquired on or about: 01/27/2009The account was acquired from: [redacted] d/b/a [redacted] WirelessThe account balance at time of acquisition: $63.77This communication is from a debt collector and this is an attempt to collect a debt. Any information obtained will be used for that purpose.Page 1 of 1
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]
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 if the terms stated are met and the item is removed from my credit report.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
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:...
$1,600.17 Dear Ms. [redacted]: This letter is in response to your correspondence dated February 2, 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. [redacted] Capital Services LP ("[redacted]") 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 $1,600.17. Please review the following account information: 1. This account originated on January 10, 2012 with [redacted]. 2. This account charged off on July 18, 2012 with a balance of $1,600.17. 3. No payments have been received on this account since Pinnacle acquired it 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. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale. [redacted] received the multiple electronic disputes that [redacted] submitted through one or more consumer reporting agencies. [redacted] has responded in a timely manner and provided the agency with information relevant to his/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. Pinnacle utilizes third party collection agencies to service accounts on its behalf. This account has been placed with one or more of these third-party collection agencies since it was acquired by Pinnacle. Any notification requirements for this account would have been met by these collection agencies. We are providing the enclosed bill statements and 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, [redacted] believes this account is fraudulent, we ask that he/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 [redacted] believes that this account was previously paid or satisfied in full, please advise him/her to provide us a copy of the offer letter, cancelled check(s), and/or confirmation of payment in full. In addition, if [redacted] has any correspondence to/from the previous creditors concerning his/her dispute, please forward it to: Compliance Department or Fax: [redacted] [redacted] Attn: Compliance P.O. Box [redacted] [redacted], SC 29603 If [redacted] has any further questions, comments or concerns, he/she may contact Customer Service at 1-[redacted]. Sincerely, A. J[redacted] Compliance Department [redacted] Capital Services L.P. Enclosure(s)
RE: [redacted]; Case/File No. [redacted] Previous Creditor: [redacted] Partnership d/b/a [redacted] Original Creditor: [redacted] Current Pinnacle: Pinnacle Credit Services, LLC Account Number: [redacted] Reference Number: [redacted] Current...
Balance: $289.70 Dear Ms. [redacted]: This letter is in response to your correspondence received August 17, 2017 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted], having acquired it on June 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 $289.70. Please review the following account information: 1. This account originated on October 1, 2008 with [redacted]. 2. This account charged off on September 29, 2010 with a balance of $289.70. 3. No payments have been received on this account since Pinnacle acquired it in June 2013. 4. Enclosed is 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, Pinnacle is not reporting the account to the major consumer reporting agencies. 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. This account was previously placed with [redacted] Collection Bureau, Inc. We have confirmed with our third-party servicer that they are not reporting this account to any of the three major credit reporting agencies on behalf of Pinnacle. Please be advised that we are unable to alter the credit reporting of another creditor. Ms. [redacted] should contact the appropriate consumer reporting agencies regarding any information she believes is being reported in error. 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, A. B[redacted] Compliance Department Resurgent Capital Services L.P. Enclosure(s)
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. I am not a [redacted] customer and never have been. I've been with [redacted] with he same phone number for over 10 years. All...
you're showing me is some supposed amount I owe, but no indication of what I'm being charged for or any evidence of an account that existed with [redacted]. What phone number was on the account? What is this erroneous charge for? There's is no answer because I am not and have never been a [redacted] customer.
Regards,
[redacted]
March 6, 2018 Cindy R[redacted] Revdex.com of Upstate South Carolina 408 N. Church St. Suite C Greenville, SC 29601-2164 RE: [redacted]; Case/File No. [redacted] Reference Number: [redacted] Dear Ms. R[redacted]: This letter is in response to the additional concerns submitted by Mr. [redacted] dated March 2, 2018 regarding the above-referenced account. Pinnacle Credit Services, LLC (“Pinnacle”) owns the account number ending in [redacted]. Resurgent Capital Services L.P. (“Resurgent”) is the servicer of the account owned by Pinnacle. Resurgent has received and reviewed Mr. [redacted]’s March 2, 2018 dispute. Our records indicate that we have already received and responded to a previous inquiry dated February 22, 2018 which is substantially the same as his March 2, 2018 dispute. Because his most recent dispute alleges no new facts and includes no new information on which to form the basis of a new investigation, we will not be conducting another investigation of the dispute. As advised in our previous response, Pinnacle is not reporting the account to the major credit reporting agencies as a request to delete the Pinnacle tradeline for this account was submitted to the three major consumer reporting agencies on or about October 4, 2017. If Mr. [redacted] has any further questions, comments or concerns, he may contact Customer Service at 1-888-[redacted]. Sincerely, A. B[redacted] Compliance 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] Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced account. Pinnacle Credit Services, LLC ("Pinnacle") owns the account number ending in [redacted] [redacted] Services LP ("[redacted]") is the servicer of the account owned by Pinnacle. The account was previously sold by [redacted] Partnership d/b/a [redacted] on or about December 16, 2014. Please review the following account information: 1. This account originated on January 3, 2001 with [redacted]. 2. This account charged off on August 16, 2012 with a balance of $322.91 3. The last payment in the amount of $172.91 was received on January 5, 2015. We have verified this account was paid in full on January 5, 2015 for $172.91. The account is considered resolved in our office, and Ms. [redacted] should not be contacted by [redacted] or any affiliate companies regarding this account. All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies (also known as “credit bureaus”) in the event that the account is eligible for credit reporting. Currently, this account is being reported as “Paid in Full” to the three major consumer reporting agencies on behalf of Pinnacle. As a courtesy, a request to delete the Pinnacle tradeline for this account will be submitted to the three major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for these updates to occur. We apologize for any inconvenience. If you have any further questions, comments or concerns, please contact Customer Service at 1-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P.
RE: [redacted]; Case/File No. [redacted] Reference Numbers: [redacted] Dear Ms. [redacted]: This letter is in response to your correspondence dated May 31, 2016 regarding the above-referenced accounts. Pinnacle Credit Services, LLC (“Pinnacle”) owns the two referenced accounts...
for [redacted] Services LP (“[redacted]”) is the servicer of these accounts owned by Pinnacle. Please review the following account information:
[redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on June 9, 2008 with [redacted]. 2. This account charged off on November 5, 2010 with a balance of $838.14. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on February 18, 2014. 4. No payments have been received on this account since Pinnacle acquired it in February 2014. 5. The current balance of this account is $838.14. We have enclosed the [redacted] Contract Agreement, a bill statement and an account summary on file for this account. Account Number: [redacted] Reference Number: [redacted] Original Creditor: [redacted] 1. This account originated on January 29, 2011 with [redacted]. 2. This account charged off on January 27, 2012 with a balance of $650.67. 3. This account was purchased from [redacted] Partnership d/b/a [redacted] on April 29, 2014. 4. No payments have been received on this account since Pinnacle acquired it in April 2014. 5. The current balance of this account is $650.67. 6. We have enclosed a bill statement and an account summary on file for this account. 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 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. Regarding the account ending in [redacted], 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 these accounts are 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. [redacted] does not condone harassment or unprofessional communication with consumers, as is it is our goal to adhere to all state and federal laws and regulations concerning the collection of debts. After investigating the account we found no evidence of the mishandlings alleged in the complaint. We apologize for any inconvenience Mr. [redacted] may have experienced. Mr. [redacted]’s May 31, 2016 complaint contains language [redacted] has interpreted to mean that we cease communication with him. When a cease and desist request is received by our office, Resurgent places a restriction on the accounts so that no further written or verbal contact is made to our customer. If, after reviewing the above-referenced information, Mr. [redacted] believes these accounts are 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 these accounts were previously paid or satisfied in full, please advise him to provide us a copy of the offer letter(s), cancelled check(s), and/or confirmation(s) 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: 866-[redacted] MS [redacted] Attn: Complaint Department P.O. Box [redacted] Greenville, SC 29603 If you have any further questions, comments or concerns, please contact Customer Service at 1-888-[redacted]. Sincerely, [redacted] Complaint Department [redacted] Services L.P Enclosures