There appears to be no scrouples or limits that the Pinnacle collection agency is willing to adhere to. However, instead of arguing with the peons on the phone, it figures we should take our message directly to the president:
If you do have ANY beef with Pinnacle, perhaps you should write and express yourself directly to its PRESIDENT:
Donald E. Garcia
531D E Gabrielle Lane
Orange, CA 92867
Those HARASSED by Pinnacle Financial Group may not be content having an lost-cause debate with one of the many low-level individuals from Pinnacle's four call-centers. But then... why speak to rank-and-file when you can take your case straight to the top?
Okay, if Donald Garcia dodges you at the address above, you can always try to reach him at one of his other regular jobs: the American Cancer Society (as chairman of the fundraising and sponsorship committee), the YMCA (member of the Executive Board of Directors of the YMCA of Orange County), or as a representative of "Woodrow Wilson International Center for Scholars"(wilsoncenter dot org). However, do try to be discrete... I doubt any of the above would be happy about the day-to-day harassing collection practices of Mr. Garcia's Pinnacle agency. Also, if by chance you reach a female sounding voice when calling Mr. Garcia on the phone at home in Orange County, CA, it will probably be his wife Barbara L. Garcia and is not the Donald, himself -- be polite when asking for Donald.
Donald E. Garcia -- BIO (From SourceWatch)
Donald Garcia "is chief executive officer and president of Pinnacle Financial Group. Prior to this, Mr. Garcia was president of the National Association of Professional Insurance and Financial Advisors of Orange County and president of the Walnut Valley Chamber of Commerce. He was co-chairman of the National Latino Coalition, Por Mi Futuro in Washington, D.C. and a member of the Executive Board of the Alliance of Central County. Mr. Garcia is currently a member of the Executive Board of Directors of the YMCA of Orange County and was chairman of the Fundraising and Sponsorship Committee, American Cancer Society." 
He is a trustee of the Woodrow Wilson Center.
Who said "an eye for an eye?"... does that apply for phone calls, too?