This is ABSOLUTELY a fraud. Do not send this company ANY money IF you have already paid your debt. This company is harassing me for a debt that has already been paid in 2005. I sent proof to the first company T-Mobile turned this collection over to in January, 2008. They in turn, evidently sold or turned over this collection to this company, Pinnacle Financial Group. I have a canceled check proving that I have paid this back in 2005! The first debt collection company to harass me was Mitchell Kay. Now I have this company Pinnacle Financial Group harassing me for a debt I have paid YEARS ago! I am angry and outraged, to say the least!

When I talked to a representative from Pinnacle Financial Group this evening( more than once I might add :( all they were basically saying was that I needed to pay this debt. They did not care that I was disputing this. I told them I had already paid this and I had previously sent proof of payment to the previous debt collection agency (Mitchell Kay) They told me that was denied and they had been given the debt for collection. (Yes, I did ask why and they man I was talking to just said kept saying that I need to pay this debt.) I have a check from my bank account showing that the debt had been paid in 2005!! I am NOT going to pay this AGAIN! Now my credit rating is being affected by this bogus debt! I am VERY upset.

I called Pinnacle back to attempt to get their address so I could send a cease and desist to them and representative Misty Joe was extremely uncooperative. This was after I had argued with a male representative on the original call earlier. :( She already knew it was me that was calling - caller ID I suppose. lol She just kept telling me it would be faster if I just faxed in the proof of payment. Well, after I had send my proof of payment to the first company, Mitchell Kay, my husband and I thought for security reasons, we should change our savings account. The check I had originally paid this debt off with was drawn off of our savings account and not our regular account. :( So now that company and any company we send further proof to will have our personal checking/savings account number. :( To protect the rest of our savings account, we closed the original account and reopened a new account - protecting the rest of our savings account.

I am so angry right now, I can't hardly think! :( I am going to get a hold of the credit reporting agencies I guess to find out what I can do to dispute this. I absolutely do not know what else to do at this point! I am tired of getting all of these calls regarding a debt I DO NOT OWE!!! I kept a copy of the letter I sent to Mitchell Kay a little over a year ago and I still have a copy of the canceled check from our bank showing this debt was paid! Pinnacle Financial Group said that was denied!!! How? I do not understand how you can deny a debt being paid when the debtor has a canceled check!!