(228) 471-4723

collections for first premier bank card. smh

though they have a different area code and number:

who the heck are these. this is the second report about this number. 4/19 called at 4:05 & 4:06. they have called several times after that but my caller id ran out of memory.

keeps calling repeatedly. Do not know anyone with this area code. April 12 they called 4 times. First time at 7:06 pm then at 7:07 pm according to caller id. Number called a***n on same day about 1 hr later, 8:08 pm then 8:09.

They called me today. Asked if I were available and I said "no, who is this". The responded saying they were some financial company. I said"you have the wrong number". He replied. "I don't believe so I'll call back later".****s.

report them to the NY Attorney General – use this SPECIAL Link  www.NYDebtHelp.comAs well as your own State Attorney General Link to all State Attorney General Websites www.naag.orghttp://www.consumerjustice.com/consumer/agencydetail.aspx?id=7130Pinnacle****et 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  This has to be one of the DUMBEST debt collectors ever encountered. Owner David Cottrell apparently can't do anyhing 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. 1) Never****ume they have a VALID DEBT OR LEGAL RIGHT TO COLLECT  2) Debt collectors MUST FOLLOW your STATE laws regarding licensing.  Check your Secretary of State for licensing requirements for ANY collection agency that contacts youDebt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATEYou can also post your questions here http://www.collector***posed.com/forum/   NEW URL!    These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspxDealing 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.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf 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 (****ly 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 a***n, 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 do***ent what the collector received. Once the collector receives your letter, they may not contact you a***n, 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 a***n 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 a***nst 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 do***ent 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 a***nst you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order a***nst 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****istance     Railroad Retirement Benefits     Merchant ****** Wages     Longs****men’s and Harbor Workers’ ***** and Disability Benefits     Foreign Service Retirement and Disability Benefits     Compensation for Injury, *****, or Detention of Employees of U.S. Contractors Outside the U.S.     Federal Emergency Management Agency Federal Disaster****istance But federal benefits may be garnished under certain cir***stances, 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 a***nst 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 InformationTo 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 ***dreds of civil and criminal law enforcement agencies in the U.S. and abroad February 2009File complaints with Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enYour State Attorney General State Attorney General is every state they have offices Link to all State Attorney General Websites www.naag.orgIf you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.comThis special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S *****ING 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.collector***posed.com/forum2/index.php?board=2.0Time-Barred Debts http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.shtmThere’s no doubt about it: you are responsible for your debts. If you fall behind in paying your creditors — or if you dispute the legitimacy of a debt — a debt collector may contact you.“Time-barred” debts are debts so old they are beyond the point at which a creditor or debt collector may sue you to collect. State law varies as to when a creditor or debt collector may no longer sue to collect: in most states, the statute of limitations period on debts is between 3 and 10 years; in some states, the period is longer. Check with your State Attorney General’s Office to determine when a debt is considered time-barred in your state. You can find contact information for your State Attorney General at www.naag.org. Federal law imposes limitations on how debt collectors can collect debts, including time-barred debts. Under the Fair Debt Collection Practices Act (FDCPA), a “debt collector” generally is any person or organization that regularly collects debts owed to others. The term includes lawyers who collect debts for others on a regular basis, but it does not include creditors collecting their own debts.The FDCPA prohibits debt collectors from engaging in any unfair, deceptive, or abusive practices while collecting debts. It does not erase any legitimate debt that you owe. To learn more about your rights under the FDCPA, click on www.ftc.gov/bcp/conline/pubs/credit/fdc.htm.Collecting Time-Barred DebtsMost courts that have addressed the issue have ruled that the FDCPA does not prohibit debt collectors from trying to collect time-barred debts, as long as they do not sue or threaten to sue you for the debt. If a debt collector sues you to collect a time-barred debt, you can have the suit dismissed by letting the court or judge know the debt is, indeed, time-barred.Whether a time-barred debt — or any debt for that matter — can appear on your credit report depends on how long the debt has been delinquent: debts that have been delinquent more than seven years cannot appear on your credit report, with certain exceptions. In addition, a debt collector may not try to collect a debt that has been discharged in bankruptcy, no matter when it was incurred. To learn more about credit reporting, click on www.ftc.gov/bcp/conline/pubs/credit/fcra.htm.Contact with CollectorsCan a debt collector continue to contact you about a time-barred debt you don’t think you owe? According to the law, if you send the debt collector a letter stating that you do not owe some or all of the money within 30 days after you receive written notice of a debt, the collector must stop trying to collect until you’ve been given written verification of the debt, like a copy of the bill for the amount you supposedly owe. The collector can renew collection activities once you’ve gotten proof of the debt.You can stop debt collectors from contacting you about any debt, regardless of whether you owe it, by writing a letter telling them to stop contacting you. Once the collector gets your letter, it may not contact you a***n — except to say there will be no further contact or to let you know that the collector or creditor intends to take some specific action. Sending a letter doesn’t absolve you of the debt if you actually owe it; the debt collector or creditor still could sue you for the debt.Future Collection EffortsThe best way to protect yourself from future collection on any disputed or partially settled debt is to get a form or letter from the creditor or collector that releases you from further obligation. To make sure the release is valid, you may want to consult an attorney. If you believe that a debt collector violated the law, you have the right to sue in a state or federal court within a year from the date the law was violated. If you win, you may recover money for the damages you suffered, plus an additional amount up to $1,000. You also may recover court costs and attorney’s fees. You also may want to report any problems you have with a debt collector to your State Attorney General and to the Federal Trade Commission.The FTC works 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 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. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by ***dreds of civil and criminal law enforcement agencies in the U.S. and abroad.October 2004

I just got a call from this number on my cell phone at 9:00.  I didn't recognize the number and didn't answer.  No message left.

I'm a teacher and received a call from them in the middle of class on my cell phone.  They didn't leave a message.  My cell phone is on the Do Not Call list.

Just got a call from this number - will add it to the numerous list of numbers from them.

This household is receiving calls from this number.  They call after 8:00 and I think that someone should do so****ing about this.  I don't think they are supposed to all after 8:00!  Check into it!  Or, is there nothing the public can do about these calls.

Consistently get calls from them. Never hearing anything on the other end. Just block them.

Called several times consecutively s****ing at 7:30 pm on a weeknight. I answer, they say nothing, then **** up.

Several calls from this number, but I don't know who it is. No mesage or answer.

I been getting calls from this Number over the past two weeks im from Dallas dont have no idea where they got My Number from

They keep calling and no one is on the other end or they don't say anything.  when you call back they say all circuits are busy...

It's a collections Agency called Pinnacle Financial. They use phone numbers from various area codes. Call them back, if you can get thru, and mess with them.

This number called and never leaves a message

Ianswered trhe call at 8:30 PM on a work night; dead silence at the other end, despite me saying "hello" several times.Very annoying.