Pinnacle Credit Services, LLC Complaints

Pinnacle Credit Services, LLC consumers have reported over 506 official complaints. Out of the 506 consumer complaints against Pinnacle Credit Services, LLC, 31% were disputed by the consumer (i.e. the consumer was not happy with how Pinnacle Credit Services, LLC responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Pinnacle Credit Services, LLC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 10% resulted in non-monetary compensation.

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New Pinnacle Credit Services, LLC Consumer Complaints


Pinnacle Credit Services, LLC Debt collection communication tactics used obscene/profane/abusive language

May 11, 2016 - I have received at least 4 phone called from Pinnacle credit services. On every phone they say they have sent me a statement letter or statement they ask me to verify my address which I do but tell them I have not received anything from them they said someone was probably checking my mail. So I told them on a phone call to send it via email have them the email and had them call me back that day so I could tell them I received or did n't. Which I did n't received anything via email. They said they were going to mail it out again and email again. End of phone call. The next time they called I to...

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Pinnacle Credit Services, LLC Credit reporting credit reporting company's investigation investigation took too long

May 11, 2016 - applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. - states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with -. Called - and they said the do n't have anything for me now or ever in the p...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

May 11, 2016 - Pinnacle Credit services purchased an account from - - and has - trying to collect on an account that is from - that I paid to -. Pinnacle Credit - is reporting this account on my Credit reports with the - Credit Reporting Agencies and told me to contact - - - who told me that the account was sold to Pinnacle Credit Services on -/-/-. Pinnacle is reporting that this account was opened on -/-/- which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports....

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

May 11, 2016 - I have been attempting to pay this debt for years. Every time I spoke with - - they could never find me having any sort of debt or collections. Finally about 2 months ago was contacted by a collection service for this debt and it was paid in full....

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

May 11, 2016 - Pinnacle Credit Services placed $2100.00 against me on my credit reports stating that the original creditor is - -. This is listed on my CR 's with all - credit bureau 's. I called Pinnacle Credit Services and I asked to speak to a manager on several occasions. The last time I called today they transferred me to a disconnected number, and hung up. I called again only to be told that nobody there would speak to me and that I had to pay the debt or I would be arrested and was told they do not have to provide me proof since they bought the debt. I called - - and they told me that...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

May 9, 2016 - Pinnacle Credit is trying to collect a debt payment ( and have reported it to the credit bureaus ) on a 2007 - - phone bill that is not mine. I have repeatedly asked Pinnacle to remove it from my credit reports, but they refuse. They also refuse to contact - to verify the account. I have contacted -. They do not have any records of an account in my name. I have been working with my state 's Consumer Protection Office and the Attorney General 's Office. Pinnacle still refuses to cooperate....

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Pinnacle Credit Services, LLC Credit reporting incorrect information on credit report account status

February 4, 2016 - Pinnacle Credit Services collected $100.00 from me on a - account in 2013. There is no balance due on the account but Pinnacle Credit Services keeps reporting the account as open and not closed. ...

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Pinnacle Credit Services, LLC Consumer Loan managing the loan or lease

January 21, 2016 - I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

December 9, 2015 - The company is reporting to the credit bureau a debt that I do not owe nor have I ever owed them or any company associated with them. They are not reporting an account number on my credit bureau so it makes it very difficult to contact them. Yet they continue to report this erroneous debt that is affecting my good credit. ...

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Pinnacle Credit Services, LLC Debt collection false statements or representation attempted to collect wrong amount

December 8, 2015 - Debt buyer, Piinnacle, continues to report an old, unverifiable debt to credit bureaus as a new negative. Bureaus wo n't investigate or change information. Pinnacle has an F rating at - and is not accredited. Hundreds of similar complaints. Is your agency able to do anything about this company or the bureaus that report it incorrectly without investigating or is it just open season for those large companies? ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

December 5, 2015 - received collection letter from - on behalf of Pinnacle on behalf of -. Do not owe the debt. I sent written request for? ALL of the foillowing. 1. copy or original agreement with -2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged. 5. copy of original contract for account sale between Pinnacle and - , and - and - . 6. to have removed from my credit report. - wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

December 3, 2015 - I Have proof that the debt was sitteled and full I paid via there collection - party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. The settlement via there - party total card services was $ - was paid ...

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Pinnacle Credit Services, LLC Debt collection improper contact or sharing of info contacted me after i asked not to

November 26, 2015 - PINNACLE CREDIT SERVICE keeps on harassing me and threatening me for debt I do n't owe they claim I opened a - cell phone I never had a - Cell Phone its impossible I have lived in - at that time I have been - since -/-/- till -/-/- please have them stop calling me and harassing me and discontinue all collections and remove the collections from credit report they have the wrong person. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

November 13, 2015 - My name is - -. My account number with Pinnacle Credit services shows - - I was told the actual account number is -. -/-/-, I spoke with " - '' from - - regarding my outstanding - account. " - '' told me that if I paid the debt, he would remove it from my reports with the - credit agencies. I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. Pinnacle Credit Services, - - -, -, MN -, phone number ( - ) - shows up on my credit reports. I called Pinnacle Credit Services regarding the...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not disclosed as an attempt to collect

November 12, 2015 - I have been on another account since -/-/- and would like to know where this overdue amount came from. I have not had a - account in my name since -/-/-. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

November 6, 2015 - Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

November 5, 2015 - The daye of the debt they said originally opened in -/-/- which is not true, it opened in -/-/-. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old debt. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

November 5, 2015 - I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

November 4, 2015 - I have contacted this company on several occasions asking them could they verify the debt. They stated for me to contact verizon for the contract. I contacted - and they told me contact the PINNACLE CREDIT SERVICES LLC. They are giving me the run around. And this debt is not mine. It was fraudulent and I have contacted them letting them know this!!! They are n't giving me any steps what to do next. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

November 3, 2015 - I was offered a settlement and paid it. Debt remains marked as open and owed on credit report. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

October 30, 2015 - My family share plan with - started -/-/-. - lines, -,-,-,-. - lines out of - had expired contract ( no contract binding ) and the other would have expired -/-/-. - had offered me free phones with a 2 year contract renewal, but the phones they sent us were not what we expected so I returned it with in the 14 days. We had no service with - as of -/-/-. But - decided to charge me for - cancelled contracts for - phones ( -. - - = $680.00 ) which were returned within the time limit. - then had sold the false debt to Pinnacle ( debt ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

October 29, 2015 - I sent a certified letter to them requesting that they validate this debt because it does not belong to me and they did not respond to me ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

October 29, 2015 - - was included in bk - - of virginia inreturn - has transferred account to collection agency bk was discharged on - ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

October 23, 2015 - A law firm sent to me a letter stating that they were of counsel for Pinnacle Credit Services , LLC, and that they were stating that I made an identity theft claim on a debt with - -. This in itsels is a complete fabrication. I have attached both correspondences from - and - -, -. Both entities are in serious violation of the Fair Debt Collection Practices Act, and have mutilated my personal credit without justification. I make the following criteria to show that there is nothing more to this collection other than an abusive collection on a debt that can not be validated. T...

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Pinnacle Credit Services, LLC Credit reporting incorrect information on credit report information is not mine

October 22, 2015 - I need your assistance in removing a disputed account on my credit reports from : -, -, and -. I have no idea about this account ; and I sure don'thave a written contract with the said original creditor, - - . Its having a negative affect on my overall credit score. Reporting Company reference : Pinnacle Credit Services ; -. - - ; -, MN.-. Tel : ( - ) --Original Amount : $250.00 dollarsWould you please have them to remove this from my credit reports. Thanking you in advance! ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

October 16, 2015 - I have disputed this debt and asked for verification of my responsibility for the account but never received it. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

October 12, 2015 - I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

October 9, 2015 - I contacted Pinnacle Credit Services many times regarding the - accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

October 8, 2015 - I have a debt for $100.00 on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. PLEASE REVIEW PAGES - & - ON THE - REPORT ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

October 4, 2015 - This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report. ...

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Pinnacle Credit Services, LLC Debt collection communication tactics used obscene/profane/abusive language

September 23, 2015 - Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from - and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature ...

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Pinnacle Credit Services, LLC Debt collection false statements or representation attempted to collect wrong amount

September 16, 2015 - I settled this account in full for pinnacle credit services through - financial corp on -/-/2015 they updated my credit report to show the balance decreased did not show account has been settled in full when calling them they play games blaming it on the credit bureaus. This account needs to be updated ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

September 15, 2015 - On - -, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with - - regarding this collection account. They never responded and last week I received a letter dated -/-/2015 from - - informing me that they now represent Pinnacle Credit services. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

September 14, 2015 - pinnacle credit has reported a debt from - wireless without providing proof of debt I do not owe this debt and I have contacted - they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

July 16, 2015 - I have repeatedly sent Pinnacle Credit Services a debt validation letter in which they have ignored. I do not believe this debt is mine. After Pinnacle ignored my request, I then sent a complaint to the -. The - informed me that they too, had tried to make contact with Pinnacle and after several attempts, their request went unanswered as well. I am now contacting FCPB to help me get this resolved. ...

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Pinnacle Credit Services, LLC Debt collection communication tactics called outside of 8am-9pm

July 16, 2015 - i receive a minimum of - calls a day, everyday! They start at - and end at -. It is an automated call that is picked up by a barely and nearly impossible to understand representative. This initial person simply connects the call and verifies they have reached me. I am then put on hold when an - speaking person comes on and immediately says we need to verify your identity, '' what is your social security number, birthdate & current home address ''! There is no way I am going to give that info to anyone ... especially someone who called me. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

July 12, 2015 - Not familiar whit this account ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

July 8, 2015 - I already filed a complaint against the issuer - - -. This is against their collection agency who is harassing me. The credit card was under my corporations name, - - -, which filed Chap - in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

July 7, 2015 - I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this debt '', instead choosing to be rude and condescending. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

July 7, 2015 - PINNACLE CREDIT SERVICES- - -, - ( - ) - ( collection for - - - ) Has been reporting a collection balance of $ -This account is included in a Chapter - Bankruptcy and has been discharged. Pinnacle Credit continues to report the account as UNPAID ...

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Pinnacle Credit Services, LLC Debt collection false statements or representation impersonated an attorney or official

July 7, 2015 - Pinnacle Credit Service, collecting a debt in behalf of - -, has reported to - credit bureau 's erroneous information specifically altering dates to convert a zombie debt into a valid debt, and continuously harassing me including hiring a Fake Law Firm and Lawyer - - of - '' and a - collection agency - '' to collect this alleged debt. I have copies of all certified letters send to all this companies and individuals who have conspired to commit this fraudulent act. ...

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Pinnacle Credit Services, LLC Debt collection communication tactics called after sent written cease of comm

July 5, 2015 - KEPT CALLING ALL FAMILY MEMBERS CELL, WORK AND HOME NUMBERS ( SEE ATTACHED LIST ) IN VIOLATION OF TCPA. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 29, 2015 - I am the victim of identity theft. On -/-/-, I discovered a - collections '' entry on my - credit report that was not mine. On -/-/-, I called Pinnacle/ - - and spoke with - , '' who confirmed that the name of the person who stole my identity was attached to the collections account ( not my name ). - '' told me to submit a faxed dispute to - - -. I submitted a faxed dispute to Pinnacle/ - - on -/-/-. However, I received no response to my dispute from Pinnacle/-. So on -/-/-, I called Pinnacle/- again ( speaking with - '' at ext....

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Pinnacle Credit Services, LLC Debt collection false statements or representation attempted to collect wrong amount

June 27, 2015 - This is a much older debt caused by my ex-wife using my son 's phone and me being unaware. It is being passed around to all the collectors who then add on new charges. It will never be paid by me as I did n't make the debt. It is being misrepresented by being renewed by each new collector so as to keep my credit history in jeopardy illegally. These debts can not be collected after 3 years according to Federal Statutes. I want it taken from my files at once. Passing it along from agency to agency is not morally right or civilly correct. Had I the resources I would pursue legal action against th...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 26, 2015 - This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 25, 2015 - I have disputed this Debt - times already. I have contacted the company. This collection agency has NEVER contacted me about this debt, they just slapped it on my credit report. The - times I called them I was told they could not give me any information on this debt, had no bill and could not show me what they claim I owe this debt for. They could not provide me with that. This is a cell phone bill. It was with a different collection agency before and I went through this same thing with them. I have not had - - ( original debtor ) since 2009. I canceled the month-to-month service I...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 24, 2015 - Pinnacle Credit Services has violated fair collection processes egregiously with me. I have attached the original documentation plus faxes sent to all parties-. Pinnacle is not the original creditor. -. Pinnacle is reporting as an original creditor on more than - of the credit bureaus ( FCRA Violation ) -. As they are reporting to all - bureaus, this debt will continue reporting until - -. -, Texas statute of limitation for suit passed as of - -. -, the standard of - v - for accuracy of demand on time barred debt applies to all communication to me. ( Dema...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

June 23, 2015 - - -, - representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with - over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to - 7 years ago diputing the alleged amount they were stating that I owed. I called - and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnect...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

June 16, 2015 - Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

June 15, 2015 - I drafted a debt validation letter to Pinnacle Services and they failed to respond to my request for validation. I know they received the letter because I certified it. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt was paid

June 15, 2015 - - - bundled their services into on account when I obtained a smart phone. After I received my first bill from -, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire - se...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 12, 2015 - They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

June 10, 2015 - I am disputing a debt with - -. I sent them a debt validation letter on - -, 2015. They ignored my request for validation. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 10, 2015 - I had a past due bill in collection to -. I called - directly to arrange to pay off old debt that they claimed I owed them as on my credit report it stated I was in collections with a company called Pinnacle Credit Services for a past due debt I had with -. My credit report shows that I opened an account as of -/-/-. I have verifiable proof that I was not with - - nor did I open any type of account with Pinnacle Credit Services. I cancelled my service with - - in -/-/-. - then transferred me to a company called - to settle or pay off said debt, which are no...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt right to dispute notice not received

June 8, 2015 - Never received any information on this supposed debt. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt not given enough info to verify debt

June 8, 2015 - I sent a debt validation letter to Pinnacle Credit Services on -/-/2015 and they ignored my request for validation. ...

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Pinnacle Credit Services, LLC Debt collection communication tactics called after sent written cease of comm

June 7, 2015 - Called me at - at night also reporting the wrong date on my credit report they jacked up the date to report longer on my report shady company needs to be fined and always answers the same way everytime I file a complaint they harassed me steady and cover out up everytime ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

June 6, 2015 - For months now my credit has been ruined by a collection effort from - - and Pinnacle. - after there investigation claims they notified the CRAs to delete the file. Pinnacle despite consistent efforts ignored that and when finally notified they resold the debt to one of there affiliates. The file this company claims I owe is from a current - account opened -/-/14 so it 's baffeling how it could be a collection account. Both - and - have snubbed Thier noses at any applicable federal law regarding credit reporting. It 's time to put Pinnacle out of business. ...

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Pinnacle Credit Services, LLC Debt collection disclosure verification of debt right to dispute notice not received

June 1, 2015 - Company has made no attempt to contact me to collect this debt. Improper dates recorded on my credit report as well as past payment history. ...

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Pinnacle Credit Services, LLC Debt collection cont'd attempts collect debt not owed debt is not mine

June 1, 2015 - Pinnacle continue to report this account on my - and - reports after this was resolved with the original creditor. I 've called the company was hung up on by - and -. I was switched to a - and a - law, a man answered the phone and sounded very tired and saidthis was resolved over a - ago and said hhe 's not license for the state of ct. Pinnacle refused to help and delete this erogenous information from my credit file. ...

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