CFPB · Lighter filing volume
Pinnacle Credit Services, LLC
1.0K CFPB complaints (light-volume third) · 51 states · top issue Cont'd attempts collect debt not owed.
Pinnacle Credit Services, LLC is in the light-volume third with 1.0K CFPB complaints (ranks #332 of 342). Timely 99.7% · relief 10.9% · top product Debt collection. Allegations, not findings.
- Lighter filing volume
- -80.6% filings 2013 to 2024
CFPB relief outcome brief
CCDB company pinnacle-credit-services-llc
10.9% relief · 99.7% timely · 1.0K filings · Debt collection
Same-product relief peers
Nearest relief peer: First Data Corporation (11% relief)
Pinnacle Credit Services, LLC closes 10.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Pinnacle Credit Services, LLC scores strongest on timely response (99/100 percentile-benchmarked) and weakest on relief provided (51/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
51 / 100 percentile-benchmarked
10.9% of complaints closed with relief to the consumer
Timely response
99 / 100 percentile-benchmarked
99.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
73 / 100 percentile-benchmarked
85.6% of complaints closed with an explanation to the consumer
How 1.0K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Pinnacle Credit Services, LLC complaint mix by product
- Debt collection 990 94.6% – 11% relief
- Credit reporting, 28 2.7% – 7% relief
- Credit reporting 17 1.6% – 6% relief
- Consumer Loan 7 0.7% – 14% relief
- Bank account 2 0.2% – 0% relief
- Credit card 1 0.1% – 0% relief
- Credit card 1 0.1% – 0% relief
Lighter-volume mix: how Pinnacle Credit Services, LLC's 1.0K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 990 |
| Credit reporting, credit repair services, or other personal consumer reports | 28 |
| Credit reporting | 17 |
| Consumer Loan | 7 |
| Bank account or service | 2 |
| Credit card | 1 |
| Credit card or prepaid card | 1 |
Nationwide filing states for Pinnacle Credit Services, LLC
Top states by attributed volume, lighter-filing company
- Leading state
- CA
- 14.1% of this company's filings
Pinnacle Credit Services, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 6
- -80.6% vs 2013
Volume vs. relief
Where Pinnacle Credit Services, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Pinnacle Credit Services, LLC files more complaint volume than 3% of them, and closes complaints with relief more often than 68% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,046 · Closed with relief: 10.9%
Top States
| State | Complaints |
|---|---|
| CA | 147 |
| FL | 109 |
| TX | 106 |
| NY | 79 |
| GA | 51 |
| OH | 47 |
| PA | 44 |
| VA | 30 |
| WA | 28 |
| IL | 27 |
| NJ | 27 |
| MD | 24 |
| SC | 22 |
| TN | 22 |
| AL | 21 |
| MI | 20 |
| AZ | 20 |
| LA | 19 |
| ME | 17 |
| CO | 14 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 435 |
| Disclosure verification of debt | 288 |
| Attempts to collect debt not owed | 75 |
| False statements or representation | 74 |
| Written notification about debt | 37 |
| Communication tactics | 29 |
| Improper contact or sharing of info | 22 |
| Incorrect information on your report | 17 |
| Incorrect information on credit report | 14 |
| Taking/threatening an illegal action | 14 |
| Took or threatened to take negative or legal action | 13 |
| Problem with a credit reporting company's investigation into an existing problem | 9 |
| Managing the loan or lease | 4 |
| Improper use of your report | 2 |
| Taking out the loan or lease | 2 |
| Credit reporting company's investigation | 2 |
| Account opening, closing, or management | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Electronic communications | 1 |
| Identity theft / Fraud / Embezzlement | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 31 | 100% |
| 2014 | 208 | 100% |
| 2015 | 297 | 99.7% |
| 2016 | 311 | 100% |
| 2017 | 102 | 98% |
| 2018 | 50 | 100% |
| 2019 | 10 | 100% |
| 2020 | 10 | 100% |
| 2021 | 7 | 100% |
| 2022 | 7 | 100% |
| 2023 | 7 | 100% |
| 2024 | 6 | 100% |
Source: CFPB Consumer Complaint Database
Pinnacle Credit Services, LLC in the light-volume third
Pinnacle Credit Services, LLC's 1,046 logged complaints reach a nationwide footprint - 51 states have at least one filing. Only 38.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2024-05-26. Volume lands in the lightest third of the indexed company corpus (#332 of 342).
Pinnacle Credit Services, LLC answers 99.7% of complaints inside the CFPB's tracked window and closes 85.6% with a written explanation. 10.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Cont'd attempts collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Pinnacle Credit Services, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Pinnacle Credit Services, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.0K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Pinnacle Credit Services, LLC (#332 of 342; 99.7% timely; 10.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Lighter filing volume