Hi everybody!
Pinnacle has been calling me for 4 years now.  Attampting to collect on an LTD commodities invoice that was paid in full 4 years ago directly to LTD.  I can go a few months without hearing from them, but they've called twice in the last two weeks not speaking, just silence on the end of the line.  As annoying as this is to still be receiving calls from them 4 years later, I find it more amusing now than anything.

Get them to stop calling my home.  They call, I answer and then no one says anything.  I'm getting a little sick of it.

CALLS COME IN AT ALL HOURS....THEY LEAVE MESSAGES TO CALL.....I AM NOT IN DEBT I AM 67 YEARS OLD ON SSA AND I GET AFFRAID WHEN THEY CONTINUE TO CALL.....HOW DO I STOP THE CALLS....I NEED MY PHONE I HAVE LEUKIMIA AND REPLY ON IT FOR HELP....MY HUSBAND IS GONE...HE USED TO TAKE ALL THE CALLS...I AM AFFRAID

They're a collection company for t-mobile. If they're calling the number that was for the t-mobile account they're collecting on thats obvous right there that they have the wrong number.

If you have an android phone download a call recording app and recorde these calls. This is a violation of th FDCPA. Very LARGE lawsuite here. Either way, consult an attorney.

This phone number is for Pinnacle Financial group. They call me numerous times a week from VARIOUS numbers. They're calling to collect for a t-mobile account. Typically when a debt collection company calls you it is via auto dialer. It usually takes a couple of seconds from the time you say hello to the time a rep answers you (the computer is connecting you to a live person.) Which is why you are greeted by silence when you answer. This is usually a dead sign of a collection company. Sometimes the computer drops the call before you are connected. Either way it's irritating. Another dead sign of a collection company is ?I?m calling in regards to a personal business matter.? Debt collection companies do no have to abide by the do not call registry, as they are calling to collect on a balance owed and the registry is to protect people from soliciting or people trying to sell you something. BUT collection companies do have to abide by FDCPA Laws and if they have the wrong number and you explain that to them, they are not suppose to continue to call. The FDCPA is also the reason they do not leave messages, as it is against the law for them to do so. I will leave this message on every phone number they call me from.

They're Website:
http://www.pfgservices.com/

They have 34 phone numbers!!! 877-798-4185 877-208-4973 800-516-4176 612-455-0929 612-455-0941 877-891-2680 612-455-0924 651-379-0583 612-455-0930 800-850-1189 888-850-1189 952-345-5339 763-746-9049 800-868-9265 877-796-2561 866-398-9098 877-209-4163 877-540-3704 877-796-2554 800-513-6852 312-957-7311 952-358-5916 614-335-4143 845-652-5056 786-837-7312 952-460-7381 610-295-5284 570-301-6003 707-200-4002 916-912-4737 877-207-6933 316-712-0238 706-955-4140 814-806-1250

never leaves msg goes straight to music when return call made to that number, I would like my phone number removed from their call list.

Call me everyday and never left a message!

I have been getting a call from this number every day for the last 5 days. I never pick up, because I don't take calls from unknown numbers. They never leave a message.

I don't know who this is. I found another website saying that this number may belong to credit collectors, but I don't owe any money.

Call me everyday never leave a message AND when i answered they immediately hung up.

The Only Way To Stop These Kinds Of Calls Is To Make Them Pay. Always Answer - They Have To Pay For Completed Call.  Keep Them Talking As Long As Possible With Fake Info So They Have To Pay More.

I never had calls like this until I moved out west. I am clueless as to why these people are calling me. I also believe the only way to stop this is to purchase a phone plan where I may block these call, as suggested. Also I hope if enough of these call are reported then perhaps we can close them down.

One call after another, coming from numbers unknown.866-499-1855 and 877-208-4973 are the same people who are calling. They think they are so clever and seem to enjoy their jobs very much! I hope enough of us document these calls and maybe someone who is important may receive one of these calls and decides to make a difference.

people getting calls are in debt i dont see why your complaining if your in debt how about all of you just pay your bills......

I got a call from these people and they scammed me out of quite a bit of money.  I knew the deal was too good to be true.  Be careful.  Does anyone know how I can recover my losses?  Can I deduct it from my taxes?

I have been getting calls from this number everyday for weeks.  A recording says it has a message for me (by name) and to press 1 if it's me.  I press 1 and then hold (with really bad music) for about 3 or 4 minutes before it hangs up on me.  I tried calling it back and I get put on hold again.  I pressed 0 hoping to get to an operator and I got a voicemail box for Pinnacle.  I wouldn't mind talking with them so I can tell them to stop calling me, but I can't get them to answer!

This number keeps calling my house several times a day. I answered and it was from Pinnacle. When I ask what pennicle was he stated you know who we are and he started yelling and cursing me out  his name was Orlando. Cause I have no idea who this company was or what they were after i hung up. They call several times day to the point now I need to change my number cause im being harrassed.

I DO NOT KNOW THIS NUMBER AND THEY DO NOT LEAVE A MESSAGE

Thanks for the great info, Lamet. I got another call today from this number.  I'm going to do a little more digging around and see what comes up.

Just received a call from this number.  I didn't pick up since I did not recognize the number.  No message left.  I don't owe on anything, so I can't imagine why a debt collector called my cell.  If they call back, I'll answer and see what they want.

DO NOT CALL IS FOR TELEMARKETERS ONLY!   Its stated clearly on the DONOTCALL website under MORE information - Information for Consumers

NOT CHARITIES, SURVEY'S POLITICAL CALLS OR DEBT COLLECTORS!  

CROOKS DO NOT FOLLOW THEM EITHER !


http://www.consumerjustice.com/consumer/agencydetail.aspx?id=7130
Pinnacle Asset Group, LLC  
116 Casey Road UPS Store, Orchard Park, NY (drop box)
East Amherst, New York, 14051
-------------------------------------------------------------------------------
Phone No.  716-675-1441 866-751-2884  
Fax 716-675-4235  
David Cottrell, Owner, Raymond C. Stillwell, House Counsel


This has to be one of the DUMBEST debt collectors ever encountered.

Owner David Cottrell apparently can't do anything right, has very little knowledge of the law and is a master violator of the FDCPA.

This idiot may already have been sued into obscurity, if not, stay away from him. He has no clue of what he is doing.
THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS

HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE

You can also post your questions here http://www.collectorsexposed.com/forum/   NEW URL!    

These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
Http://www.budhibbs.com/First.htm    
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

I keep getting calls from tis number as well..and another number that is assosciated with it(913)775-9027..they have been calling 2 times a day..I don't answer..they do leave a voicemail saying to call back..I don't..today 8-6-10 they call at 11am and say I have until 5 pm to call them or they will push the issue further..don't know what issue..they have never said my name..how do I get them to stop calling?

Same thing happened to me today - can't get any information.  Apparently "DO NOT CALL" doesn't mean anything to these people.

Yes this PITIFUL place rings my house at outrageous hours-and will end up hearing from a lawyer if they continue *REMEMBER * If their trying to collect a debt,fine and dandy,but WE HAVE RIGHTS TOO--ISN"T CALLER ID GREAT!!

Don't know who is calling.  Wish they would STOP!!

From all indications, I, too, am being harrassed by endless calls from Pinnicle Financial Group.  I don't owe anyone a nickle.  What gives?  Thanks for the *60 advise.  I'll start blocking these pests first call I get.  They don't stop calling.  I don't pick up any unknown calls, private or block numbers.  Don't they get the hint? Dah!!!!

I reveive a call form Pinnacle Financial AKA Americredit , His said his name was Nat Brigs, He saying they talk to me a few months ago. I don't know who or whom they talk to but it wasn't me I have been out on town for 3 monoth and just back in. Then he goes on saying I own LTD Commodities 148.00. I don't know whom these people are. I just wish they would stop calling my phone.

They called me early in the morning and asked for somebody called Sheryl. I have no idea who this is. I asked them to stop calling and the man told me he would take my number of the list. I said thank you and was about to hung up when the man said "ok i love you" in a weird voice. i immediately hung up. he never mentioned anything about finance though

when I called it back they said it was from LTD Commidities. (ABC Distribution)

I have gotten a call form these people and then hang up because of answering machine I wish they would call it might be a scam.