Pinnacle Recovery

Third-party agencyCarlsbad, CAFounded 2000

Pinnacle Recovery is a debt collection agency headquartered in Carlsbad, CA. It has held a Texas surety bond continuously for 23 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20030143), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. It has been licensed to collect in New York City continuously for 26 years, and currently holds an active Debt Collection Agency license with the NYC Department of Consumer and Worker Protection (1063834-DCA). Each fact below links to where it comes from wherever a source is on record, with the date it was last checked where a check has run.

Visit pinnaclerecovery.com How to reach Pinnacle Recovery safely

Texas bond

23 years continuous

Bond on file

Active, $10,000

CFPB complaints on record

223

CFPB database: consumerfinance.gov · Last checked: October 14, 2026

23 years

of continuous verified Texas bond history on the Texas Secretary of State register. Pinnacle Recovery currently holds an active $10,000 surety bond.

Source: texas-sos.appianportalsgov.com · Last checked: October 12, 2026

Public-record facts about Pinnacle Recovery

Fact	Value	Source
Headquarters	Carlsbad, CA	Named on: pinnaclerecovery.com · Last checked: October 10, 2026
Year founded	2000	Stated on: pinnaclerecovery.com · Last checked: September 26, 2026
Company type	Third-party agency	Classified by us from: pinnaclerecovery.com · Last checked: October 10, 2026
Website	pinnaclerecovery.com
Careers page	pinnaclerecovery.com/careers	Linked from: pinnaclerecovery.com · Last checked: October 2, 2026
Texas surety bond history	23 years continuously bonded Active SoS File 20030143 · filed August 8, 2003 · Travelers Casualty and Surety Company of America · bond 775224830TX	Register: texas-sos.appianportalsgov.com · Last checked: October 12, 2026
New York license history	26 years continuously licensed Active 1063834-DCA · filed October 6, 2000	Register: data.cityofnewyork.us · Last checked: October 14, 2026
CFPB debt-collection complaints on record	223	CFPB database: consumerfinance.gov · Last checked: October 14, 2026

How to reach Pinnacle Recovery safely

From Pinnacle Recovery's own website, read October 12, 2026. Each detail links to the page that shows it.

Call: 760-929-6685 As shown on Pinnacle Recovery's own website, read October 12, 2026
Pay online: paypinnaclerecovery.com This payment site is on a different domain from Pinnacle Recovery's own website: paypinnaclerecovery.com (a separate domain carrying the company's name; the site does not say who runs it). Pinnacle Recovery's own website links to it. As linked from Pinnacle Recovery's own website, read October 12, 2026
Write to: P.O. Box 130848 Carlsbad, CA 92013-0848 As shown on Pinnacle Recovery's own website, read October 12, 2026

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Common questions about Pinnacle Recovery

Is Pinnacle Recovery licensed to collect debt in Texas?

Pinnacle Recovery has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20030143), last checked October 12, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects consumer debts.

Is Pinnacle Recovery licensed to collect debt in New York City?

Yes. Pinnacle Recovery holds an active Debt Collection Agency license with the New York City Department of Consumer and Worker Protection (license 1063834-DCA), last checked October 14, 2026. New York City requires this license of any business whose principal purpose is collecting personal or household debts from NYC residents, wherever the business itself is based.

Does Pinnacle Recovery have complaints on record?

The public CFPB Consumer Complaint Database records 223 debt-collection complaints referencing Pinnacle Recovery, as of October 14, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.

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This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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