Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/16/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received an email from Pinnacle Recovery claiming that I owe over 59k to Aloha Bay *********** When I called the number, man with accent refused to give me inflation without me giving him a bunch of info. When I refused, he hung up on me I have NEVER BEEN TO Aloha Bay Condos.

  

  Business Response

  Date: 06/24/2025

  Pinnacle Recovery, Inc. is a third party collection agency.  Ms. Lankford's email address was provided by our client.  She advised us to cease and desist on 6/16/2025 and we immediately closed the account placement in our office.

• Initial Complaint

  Date:05/30/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I fell behind on my maintenance fees for my Bluegreen Ownership. When I went to the Bluegreen site to see my balance I had a balance of $2288 for my maintenance fees. They would not allow me to pay these online and forwarded me to Pinaccle. Upon speaking with **** I was informed that the balance was now *******. An astronomical collection fee of over $700. I paid my Bluegreen maintenance fees of $2300 with **** and asked about a settlement for those fees. As I do understand they are collecting a debt but over $700 is outrageous! At first **** stated that everything would have to be paid in full. Later in the conversation I was offered a discount of $150 to bring the collection fees down. However I still think that is a significant fee. **** stated they only send 3 letters and then after that they do nothing further other than lock your account. $700 for the cost of 3 stamps. They had my email wrong so I never got my payment confirmation for the $2300 payment so I had to call back again today. I had already researched complaints on the BBB before calling. When I spoke with the lady on the phone and told her such she kept talking while I was talking until I stopped and then told me I was using a threatening tone and raising my voice. The only reason to raise my voice was so that I could continue what I was trying to say. She wouldn't listen. She noted on my account she would offer the 25% discount that I was told two days ago would not be available if I didn't make a full payment. She said she understood why people get mad, but I wasn't mad. Now I'm not happy with how I was treated by her. Please listen to this recording and you will see exactly what I mean. 5/30/25 @3:36 pm. I would like to settle my account for a more reasonable fee but the treatment of the customers should be friendly regardless if your trying to collect a debt.

  

  Business Response

  Date: 06/05/2025

  Upon receipt of this complaint, our collection manager contacted Mrs. ************** He waived collection fees and Mrs. ******* resolved the account.  The account is now settled in full.

• Initial Complaint

  Date:05/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******* is apparently charging me a debt of $1599.08 which they can't verify when I acquired the debt to begin with. I've tried disputing this charge recently and its pointless. The emails won't stop no matter how many dispute emails I send or representatives I speak with. Pinnacle and ******* not being able to pinpoint when the debt was started is how I know I'm being wrongfully charged. I have never in my life of 34 years had a ******* account & probably for this very reason. I've even gone through my email listing all the way back to 2012 and there is not a single piece of evidence that I had anything to do with ******* except trying to find a job when I was in college. I'm not ever going to pay this and the constant emails and badgering has to stop. Pinnacle lacking information is why I'm about to sue. This debt isn't even on my credit report. Again, I'm not paying anyone $1599.08 for a product I never purchased so what do we do from here?

  

  Business Response

  Date: 05/20/2025

  Dear ******** *******
  
  Thank you for reaching out and taking the time to voice your concerns, we understand how frustrating it can be to deal with a situation involving a disputed debt,and we appreciate the opportunity to clarify matters.
  
  After thoroughly reviewing your complaint, we want to assure you that Pinnacle Recovery, **** is not affiliated in any way with ******* or the collection of the debt you referenced in the amount of $1,599.08. Additionally, we have no records in our system indicating any account or collection activity tied to your name or information. Its possible your complaint may have been misdirected to our company in error, we recommend that you continue communicating directly with ******* or any other entity currently contacting you regarding this issue.
  
  That said, we completely understand your concerns and we want to reassure you that we are not the source of the emails or collection attempts you've described. We take complaints and consumer privacy very seriously and appreciate your bringing this to our attention. We hope this response provides clarity and helps resolve your concerns. If you have any further questions or details to share, please feel free to follow up through the Better Business Bureau platform.
  
  Thank you,
  
  
  ****** ********
  Compliance Director
  Pinnacle Recovery Inc
  PO Box 130848
  Carlsbad CA  *****

• Initial Complaint

  Date:05/12/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a Worldmark/Wyndham Timeshare owner. I got behind on my dues due to being unemployed. I tried to make a partial payment with paymentus in early April but Paymentus wont accept anything but the full amount due. When I was able to reach somebody on Monday at ******* they couldnt help me because they said they were sending it to Pinnacle Recovery that day. The day Pinnacle received it I made a payment to them but was unable to pay the full amount. They were wanting to add $300 on top of what I owed. They wouldnt even negotiate. I wasnt able to pay all of it so I called the following week and now I owe the same amount I owed previously before I made a payment. I argued the amount because I wasnt even 30 days past due on the final one and it shouldnt be with them. They sent off for a payment record. Come to find out they dont show me making a payment in December that I made which is strange because Worldmark/Wyndham shows the payment. They are wanting to charge me double for a payment that technically isnt even 30 days late and they shouldnt have had because I was paying them what I originally owed but because they were waiting on paperwork they ordered and told me to wait on making the last payment it caused another dues payment to show up in the system which was only 15 days past the date it was due. They want the payment plus that amount again for fees. It is a rip off. To top it off Paymentus calls me today (3 weeks after I put in for help) to take the payment I was trying to make to avoid it going to collections. I think Pinnacle was hoping I wouldnt catch that they had me missing a payment last fall that I didnt miss so they could make even more money off of me. I wish our state senators and congressmen would look into credit agencies and tighten up restrictions. More past due bills would be paid if companies handled it themselves and worked with people instead of making it difficult.

  

  Business Response

  Date: 05/13/2025

  Upon receipt of this complaint, a collection manager contacted Ms. ******* apologized for the confusion and refunded $110.00.

• Initial Complaint

  Date:04/22/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I fell behind in paying my maintenance dues for Worldmark, a timeshare, and it was submitted to Pinnacle for recovery. When I received the statement from Pinnacle, I called immediately to make a payment $402.32 but was told that the new amount was $790. They stated that my next quarter of Maintenance was due plus fees. My argument is that the second quarter is only due its not past due so why are there fees. They said they could take 20% off, but I would still have to pay past due fees.I dont understand how they can legally charge past due fees in something not past due.

  

  Business Response

  Date: 04/28/2025

  Our client updated Ms. ****** balance for the upcoming quarter at the time it was billed because she will not receive a bill while her account is placed in our office.  However, we can close Ms. ****** account once the delinquent amount is paid and she can pay the upcoming quarter to our client directly.  Our collection manager reached out to her, apologized for the confusion and did explain this to her via telephone.

   

• Initial Complaint

  Date:12/02/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I recently tried to book a room through Worldmark by Wyndham timeshare, I was unable to do so because of a late payment which was accrued, however, I setup automatic payments on my card. It appeared that I have been missing payments since Wyndham made updates to there website and each time that I would try to sign on it would kick me out and say the website was down for maintenance. Not too sure if my credit card info was erased/reset during that process because I was also using left over points to pay for my maintenance fees. No one tried to contact me regarding this matter from Wyndham besides Pinnacle collections, which I have not been able to answer because they call when Im at work. When I tried paying online through the mail I received I was unable to. I think they do this to accrue more fees, which I believe is unfair. Pinnacle is trying to force me to pay $600 more in collection fees. This is outrageous, no one from Pinnacle answers during the hours posted on their website and Ive called multiple times. I need to pay this fee without facing anymore repercussions. No one from Wyndham can even help me. Theyve tried forwarding the call to Pinnacle but no one has successfully got me through.

  

  Business Response

  Date: 12/09/2024

  Our client confirmed that ************** was on auto pay until 7/1/2024 when the auto pay declined.  They attempted to run the payment several times but were unsuccessful.  On 7/11/2024, a letter advising of the declined payment and the corresponding removal form auto pay was sent.  A late notice was also sent and several attempts were made to reach ************** by telephone.  Our staff has also made several attempts to reach him and he has not returned our calls.  We ask that he advise the best time to reach him so that we may work with him to resolve the account.

• Initial Complaint

  Date:10/16/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm an active Club Wyndham timeshare member. I had issues with my bank in the spring. It was brought to my attention when I tried to book that I owed 2 payments. I truly thought the funds were pulled out on time especially since there has been no issue with Wyndham pulling the money after April per my bank statements and the **** I only owed for ********** When I saw this I attempted to pay what was owed on the spot however the *** at club ******* said the debt went to Pinnacle and I can only pay them for that (which doesnt make sense since Wyndham is getting paid with out issue). I could understand if I wasnt making any payments. I checked the mail and saw that I was being charged a huge fee with a notice that they may charge more depending on when you pay. This is unfair. I had no problem paying what I owed when I realized I owed. Its unfair that I have to pay these inflated fees. Also, when I tried to go online to view pinnacles fees I couldnt even sign in to see the current amount. It wont accept my zip code. It seems very predatory. Like they make it difficult to sign in so that you could miss another deadline and they could charge extra fees. $123 in fees per month behind is mind boggling.

  

  Business Response

  Date: 10/25/2024

  A supervisor has talked with Ms. ********* and offered a 50% reduction in our collection fee.  Ms ********* has requested an account history which we have requested from our client and will forward upon receipt.  The zip code required for the log in to our payment portal was the full 9- digits but we have adjusted it to the 5 digit zip code and this should resolve any access issues encountered by Ms. **********

• Initial Complaint

  Date:09/04/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,My name is Shaolong **** and I'm a member of Worldmark by ******* (#***********). While traveling in ****** in May this year, my wife ******'s credit card was stolen and we cancelled it and got a new one, but we forgot to update the credit card information for the automatic payment we had left on our Worldmark account.We've owed membership fees since June but didn't realize it. We found out that we were in arrears on 22 August, but Worldmark told us that our account had been transferred to a debt collection agency, Pinnacle, on 13 August and that we should contact them to resolve the payment.Then I called Pinnacle on ************************** the total amount I should pay, including $2,1XX owed to Worldmark and a 33% service charge of $709 to Pinnacle (case number *******). I was absolutely astonished when I heard this extra charge. Normally the debt collector charges a fixed fee, say $50 or so, but Pinnacle is charging 33%! This is unacceptable. 33% is excessive and I felt like I was being blackmailed! Although Pinnacle is willing to give a 10% discount ($70.9), we still think $638 is too much.I checked Pinnacle's customer reviews online. They have a very low rating and many negative reviews and complaints. Who can monitor and punish this type of company for charging such high service fees?Please help me!!!Yours sincerely,Shaolong ****

  

  Business Response

  Date: 09/09/2024

  Upon receipt of this complaint, a supervisor contacted the consumer and further discounted the collection fee.  The account is now paid in full in our office.

  Customer Answer

  Date: 09/14/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:07/24/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to complain and dispute charges that I received from Pinnacle. After I moved, for some reason, bills for my time share at ******* were being sent to my old address and I missed a payment. This was unusual as I had updated my address after I had moved, and I had received -- and paid -- the statement from the prior year when it did show up at my updated address. I spoke with a Wyndham representative, ********, today who confirmed the incorrect address and also said there was nothing she could do about the charges that had been sent to Pinnacle, a collection agency, and to take it up with Pinnacle. ******** also confirmed that they did not have the proper address on file and that it was a clerical error on their part since I had, in fact, updated the address previously. I have documentation that THEY, *******, made a mistake. She also told me "I should be tough" when calling Pinnacle because this company WILL take away fees if we fight hard enough. I was astonished that I had to "fight" to remove a fee that I had incurred as the result of an error on another company's part.Pinnacle's business practices do not seem to care about the people they are taking hard-earned money from. I spoke with Pinnacle and they reduced the fees by $97. The fact that I still have to pay over $200 in "service fees" and that there is no recourse for a 1 time late payment caused by a third-party clerical error is shocking to me and speaks to a lack of customer care. I would think that having a 20 year history of timely payments would allow for fees that are reasonable. If you look at my history, I have been in good standing for over ***************************************************************************************************************** emails received and then was charged $350 in fees by Pinnacle is predatory. Pinnacle should take responsibility for its unfair practices. $350 is overboard and extortionate.Best,***********************

  

  Business Response

  Date: 07/29/2024

  We contacted our client upon receipt of ********************** complaint. Our client confirmed that there were no address updates in their system since  1/12/2007.  They did explain that when owners place a mail forwarding with ***** their print vendor gets an e file from **** and this updates their bill while the forward is in place.  After the mail forwarding lapses, the owner's address reverts to the address on file.  The owner is responsible for updating their address and that request was not made until July 24, 2024.  

  We did waive $114.17 in collection fees and ****************** paid her account in full on 7/24/2024.

   

• Initial Complaint

  Date:06/10/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was late paying maintenance fees on Bluegreen Ownership that was due on February 1st in the amount of $852.50. I was late to pay and Bluegreen put me into collections with Pinnacle Recovery Inc. Telephone number is ************. I went to pay the fees today, on June 10th and was told that now I owe $1247.50 mainly because of an additional charge for interest in the amount of $374.51, which is 33% interest charge. I explained that 33% interest charge is unreasonable percentage and I can't pay for such an outrageous interest amount. I was then advised that I can pay any amount I want, but any amount short of $1,247.43, will stay out for collections. How can amount of 33% interest be fair??? It's completely unreasonable! HELP PLEASE!

  

  Business Response

  Date: 06/13/2024

  Upon receipt of complaint, we reached out directly to Mr. and ***************.  We discounted our collection fee and the account is now resolved.