Complaint Review: Pinnacle Financial Group - Nationwide

If you're going to make a complaint you should at least come forward with factual information. I happen to sit next to Bernadette and she did not threaten to sue you. She may be forceful and blunt, but she is not unorthodox in her collections. She didn't tell you that you were going to be sued because T-Mobile doesn't sue, unless your balance is extremly large and you've been through multiple collection agencies. And even then it's highly unlikely. As for being given time to pay your bill, you were given that time and failed to do so, thus you being placed in a collection agency. T-Mobile places all of their delinquent accounts into a Financial Services division for 60-90 days while you are in suspension BEFORE they place you into a collection agency. They also notify you in writing that your service has been suspended. You failed to set up a payment plan that would resolve the balance in as many as four (4) payments. So they did work with you, but you refused to do anything at all. As for hardships I can relate. I was in a car accident in 2004 and broke both of my legs while I was working for Pinnacle. I was out of work for 3 months and had to relearn how to walk. If you were properly insured you would have received up to 250.00 a week in compensation for wages within 1-2 months of the crash after the insurance paperwork was completed. If you were employed at the time of the accident you would have recieved a paycheck for the prior pay period that you had worked as well. If you were unemployed then you were obviously living off of someone else and it should be expected that if they paid your way before the accident then they should be paying your way after the accident. If you had been handling your responsibilities in the correct manner before your accident you would have had money saved in the bank to help with a situation like the one that you are in. I'd be happy to retract my statements if you could show me where exactly in your contract there is an accident, unemployment, or any other sort of catastrophe clause that allows you to not pay your bill on time every month. There isn't. It's unfortunate in this culture that we encourage a victim mentality and reward people for not doing the right thing, not being honest, and not honoring their commitments. Your accident is unfortunate, but your sense of entitlement is even more unfortunate. You owe the money, and T-Mobile has rights too. They have the legal right to demand payment in full when you have breached your contractual commitment with them. Perhaps you should purchase a pre-paid phone until you can better manage your finances. Best Wishes.

Kristen, call tomorrow between 7-3 eastern standard time and insist on speaking to cassie at extension 6023, i will try to help you and I am nice. Dont mention the internet posting please.

First of all you admit this is a valid debt, and as horrible you may think this company is they are just doing their job. NO I am not a collection agency or have ever worked for one. However, I have had to deal with these people in the past. But they still must follow the law. One of these laws is the Fair Debt Collection Practices Act. It states that once you inform them to no longer call you they must stop. However, to have this binding you must send it to them by certified mail with a return receipt. If after they receive it, they may only contact you through the mail. If they call you they have violated the FDCPA and you can sue them for $1000 per violation. Now, just to let you know this does not make the debt go away. It does not keep them from adding interest allowed by the state to your balance. It also does not stop them from filing a suit against you. So when you get to the point of wanting to pay off the debt the no phone calls still applies. That is send in your offer through certified mail. DO NOT sign your offer, and DO NOT send any money until you have an agreement from them in writting that they will accept it.