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I was not given a name of the person that had been so rude and obnoxious, said they were from Pioneer Recovery Systems and I owed Money on a Macy's credit card. I have never had one of these cards in the first place. They call at least three to four times a day, every other week or so. They tell me they have contacted my employer and such, how can this be? I have been retired for nine years now, I have no idea what to do to stop this harassment, very tired of this whole ordeal.
They called my company and my company asked what it’s concerning and they said, "Oh he knows." I called them right away and they wanted my personal info before they would talk to me. When I gave them the last 4 digits of my SSN, they said wrong Sean **. That’s ** that they call my employer about some ** that ain’t mine and leave the wrong impression with my coworkers. This is criminal.
First, everyone should check out YouTube videos of how debt collection agencies operate. There are many different opinions but many speak of them as being a scam. One video I watched last night spoke how many Debt Collection companies operate. Most private debt companies buy a defaulted payment from whoever you owe. They now own the debt - not the company that you owed the money to. (I think this is called a 3rd Party Debt Collection). I just Google searched and found out that Pioneer Credit Recovery is a 3rd party collection company.
What this means is that Pioneer Credit Recovery bought my account from the U.S. Department of Education for pennies on the dollar. I owe $7,400 and that means it is possible that Pioneer Credit Recovery bought my delinquent account for as little as $74. A company will sell our debt because that company has already been paid off. Our debt was either used, by the company we owe, as a tax write-off or it was covered by the company's insurance. So one way or another, they have already been paid.
But, once you enter into agreement with, a 3rd party debt collector, like Pioneer, by answering and giving information on the phone - or from a letter then you've entered into an agreement to pay the debt collector and not 1 cent of what you owe goes back to the company you originally owed because the collection agency now owns your debt. So am still required to pay a debt - but to someone else. And I hear that even if I pay off my debt, it will do nothing to my credit report, which will remain negative for 7 years.
Before I found out this information I entered into an agreement over the phone, accepting their "settlement" offer to pay off a $9,980 debt/school loan that I owe, for $7,400 and pay it off within 90 days. Now that I have the information about 3rd party debt collections I feel like I am stuck. Like I said, I have to pay off the debt and assuming here that not one cent of the debt is going back to the Department of Education who I originally owed. (Assuming my delinquent account with the D of E has already been paid off as a tax write-off , or covered by their insurance company). So naturally I want to pay back as little as possible. I would much rather try to save some of that $7,400 I said I would pay within 90 days and renegotiate the verbal agreement. Can I still renegotiate and pay much less, like for instance renegotiate into a payment plan for $150 per month?
Representatives from Pioneer Credit have used some pretty aggressive and shady tactics. After verification of my location, they still proceed to call my neighbors, professional contacts, and even previous employer. They even had the nerve to ask one of the third parties for my date of birth and social security number. This company is for sure a little shady. Make sure to record the calls and know your rights.
This is a partner of Navient. They collect on school loans. My loan missed a $50 payment on it and they started calling everyone I have ever known. What has taken me over the edge is this. They called my neighbor a 75-year-old man and asked him to take down a pencil and paper and write the information down and take it next door to give it to me. Are you kidding me? It is not even 30 days late and those are the practices you are taking. Shame on you. The government better look for another company that is ethical in their practices!
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Last night at around 8 p.m., which would have made the call placement time (Batavia, NY) around midnight, I received a call from Liz at 1-800-450-3915, wanting all sorts of information about our daughter (an adult). I asked what company or agency she represented and she told me it was Pioneer Credit Recovery, Inc., of which I had never heard. I refused to verify our daughter's last name, address, etc., telling her that "I Never give out information on our children, friends, family, etc." Liz replied, "I totally understand. Would you please give her this reference number and ask her to call me: the reference number is **." I didn't ask her any questions or give her any other information. I have never heard of PCR before and certainly do not know Liz.
I texted all this to my daughter, who texted back a thank you and said she would call the place back today. My daughter has a degree in computerized office management, another bachelor's in criminal justice, and has held very responsible positions. She is an excellent money manager; I find it impossible to believe that she owes anyone anything. I had better Never hear from this collection agency again! I've learned a lot this morning from reading their reviews!
Caller was looking for a different person with the same last name as I use to have. The birthday is different and social security number was different. They have my ex in-laws and my children as possible relatives. I asked them to supply the information that they received those name from but they refused to tell me. All they said was they will block those names that I was related to. This is the 2nd time it happened. They said they would fix it the first time it happened. I spoke to them on the 9th and again today (10-25-17). Obviously it wasn't fixed because once again they were calling family.
The estimates they give and statements regarding them are inaccurate at best and dishonest at worst. The excuse of an estimate is often used but it is difficult to understand how a "professional" could be off by more than thirty percent, but they get paid no matter what. Almost $4000 in legal administrative fees for a little or nothing. Please refer to reviews instead of the mistake I made.
Violated Consumer Protection Law - This Company gave out my personal and confidential information unlawfully. They contacted people who are not my friends, not my family and disclosed my confidential information to them. Not only that, they were harassing and threatening to me and the people they contacted in an attempt to get ahold of me.
A few months ago I received a phone call from PCR demanding my accountant's information. I refused to give it to the lady. About a week later I got a letter saying we owed for our first quarter state taxes. We know that our accountant who has been with us for over 20 years never forgets it. Then she sent a letter saying we owed about $2000 and her company wanted $600 for their services. According to my math $600 is not the 10.7% the state of New Jersey asks for. We are still fighting it.
First of all, why don't we use this company to collect the 20 Trillions dollars the US government owes its Citizens instead of having to be nickel and dimed to death by Big Government and credit scores? When is it ok for some **-like company to sit there and decide it is OK to force people to pay municipal fines and fees. How often is court documentation correct. How often are police officers right when pulling you over for some routine BS traffic stop. Well in this case this company got my car impounded 5 times since 2012 and the backwoods money hungry boss hog courthouse that gave me a traffic ticket way back when my wife was being rushed to the hospital for delivery, well, the judge dropped it, but then the clerk decided to deny it anyway, and then they sent me to collections 3 different times after clearing this fine up!
This BIG government using credit scores to make us all slaves to a corrupt and evil broken financial and over regulated system that needs to be abolished. Starting with this bogus fascist credit recovery company that holds Big government and bad business services over your head and prevents people from functioning legally in society.
I got a ticket in Richland, GA (also a speed trap, but that's another story), and paid the ticket directly to the Municipal Court of Richland and cleared my account with my local DMV. Then I began to get notices from Pioneer that I owed $560 ($560!!) for the ticket (about $200 more than the original ticket, mind you). Because I know I've paid the ticket and my state DMV knows I've paid the ticket, I'm content to let them keep wasting the postage to send me notices. Just know if you get a ticket somewhere, pay directly to the court and avoid Pioneer at all costs.
I was supposed to be in a hardship forbearance with my Navient student loan. Then I received a confusing letter from some affiliate of Navient saying I defaulted. This was not the collection agency, but it said I had to contact the collection agency directly by April 5, 2016 to avoid more severe collection action. I contacted what they listed as the collection agency right away. It was not a collection agency, it was the same people who sent the letter. They said to contact the collection agency and I said there was none listed. They said my account had not been assigned one yet. I asked how can I contact them if there isn't one. I called several times to ask if a collection agency was assigned yet, they said no. I asked how can I contact them by the deadline if they haven't been assigned? They had no answer.
ON the deadline date I got a call from someone who sounded like a debt collector. I didn't call right away because I was out of town. The following day they called my mother-in-law, my sister, and my spouse saying they couldn't find me. I was so embarrassed and angry! I called the debt collector back and said it had been only a day since they left a message and why did they call my relatives, and to stop doing it. They didn't really reply to this but went on to explain that they were assigned to collect my student loan default. I told them about the letter, read some passages from it about how I needed to call the debt collector by April 5, but that none had been assigned. The reply was "hmmm, that's odd." I asked several times about this and they acted like this was an unusual occurrence.
Then they explained the loan rehab process of making payments for 9 months. It seemed like a good option until they told me my minimum payment would be about $350! I told them I am on a temporary disability and could not afford this. I was told there was nothing they could do. I basically pleaded with them to give me a lower payment and they then asked me about total household income, expenses, etc and then gave me a payment of $111, doable for me. But then the payment process was explained to me and it was VERY confusing. I didn't trust them to have my bank account number for automatic payments, so I made a payment with my debit card. They said this would be my payment date every month.
I asked if I could pay on their website and they said "people have had problems" doing this. They told me I could call and make the payment, and this is where it got confusing. They gave me this date but then stated that a date 12 days prior to this would be established, but not as my payment date. I asked them what this meant several times and they could not explain it in a way I understood. Then they told me I could not make my payment early. If I made it more than a few days in advance or paid more than the monthly amount they quoted, I would be taken off the rehab program. WTF? It was like they tried to make it more difficult to stay on the program so they could begin more severe collection actions which is what they said would happen if I didn't follow these rules.
They also said they would call me frequently to "check in." I told them again not to call anyone about my loan. I forgot to mention that when my account went into deferment, it was about $14,000. This person told me my loan balance was now $18,000 because I failed to contact them before the date on my initial letter! I said I TRIED to find out who my collector was, but they hadn't been assigned until the actual deadline date! Again, they said "that's odd." I will say that they were polite, but the circumstances around this whole process are suspicious and seem designed to confuse. I have already signed a repayment agreement with them but am worried that they will find some reason to say I didn't comply.
I read another complaint about this company that said when they tried to get more info about them, the Dept of Education and Navient said they couldn't do anything, that they had to go thru Pioneer. I feel like the whole process has set me up to pay $4000 more than I originally owed, with a raise in my interest rate to 24% from 8% as a "punishment" for not calling the collection agency by the deadline, when there was no agency to contact in time! Maybe my complaint should be about Navient, but who knows who is really at fault for this cluster**.
All I know is that I am scared they will start garnishing my wages when I return to work, and take my tax refunds (and by the way, this loan was taken out long before I was married or had even met my spouse, so they are not supposed to have any responsibility for this loan. Yet the tax refunds are hers as well). This is probably a rambling and confusing rant, but I am just so frustrated. Thanks.
I made a agreement with them and have paid every month, but at tax time they start sending letters demanding payment in full. I am totally appalled by their business practices and the threats to the people who have the misfortune of having to deal with their **!!!
I said I would pass it along if I see this person. The caller was not rude but the verbiage was very specific and tactical in order to gain confirmation of me and my relation to the person and solicit a contact number.
If you receive calls from them be aware it is a collection agency and they will skate on the line of legality when trying to coerce payments from you. Do not confirm anything like your name or number or that you owe money. They have to prove you owe a debt and if they can't then they have no legal recourse. Also check your credit and be sure they did not file any false debts. If possible, tell them you're in the restroom and to call back in whatever minutes. Then try to get a recorder so you can record the conversation. If they are recording the conversation then so can you and you don't have to tell them if they are already doing so. This will serve as evidence of harassment. Cheers.
I know collection agencies get a bad rap, especially with how annoying and overbearing their phone calls can be. However, I have been working to rehabilitate my student loans through Pioneer and it has been an amazing experience. I know the actual Rehabilitation program is thru the government, but Pioneer's staff has been very helpful and friendly. They are never rude, always have great attitudes, and if someone can't answer my question, they ALWAYS find someone else who can. They have made sure that I understand every aspect of the process and keep a great line of communication with me if I am missing paperwork or anything.
Also, my original payment was way too high for what my current situation allowed, so they worked with me to find a very affordable payment. Just for you naysayers, I DO NOT work for them. I just have had excellent customer service from them since the beginning and I know they probably get a bad rap. It's not their fault you're in debt in the first place. Just call them and get it taken care of.
This company is sending me letters telling me that there is a case opened against me for $637.00 but refusing to give me any information about this, also telling me that they are going to have me locked up. Well guess what? This is a scam and this is being turned over to the FBI and the Better Business Bureau.
They called my cell phone number, looking for someone that is not even the owner of the phone number. Looking for a person at my address that doesn't even live at this address. How or why did they even get my number or call me??? This is the third time they have called me and I have said this is not the number for whomever they are looking for. Someone need to tell the company to update their records and stop contacting people that have nothing to do with them. Very annoying!!!
I paid my real estate taxes late and the city was OK with that. After all, many people don't pay in Philadelphia at all. Suddenly the calls began from these people. So I blocked them from my phone and their robot messages go to the Google Voice Spam. Here is a Google transcript of a typical Pioneer robocall: "Yeah. This is an important message from Pioneer credit recovery incorporated. Yeah, this is Mrs. **. Yeah law requires that we notify you that this is a debt collection company. Yeah. This is an attempt to collect a debt and any information obtained will be used for that purpose. Yeah, please call us back today at ** yeah 18 yeah when calling back. Your reference ID is ** yank you." Well, yank you too! You'll never get anything from me because I moved!
I am not the subject of their credit recovery. I am no relation to the subject of their credit recovery. I have never co-signed for anyone, including the subject of their credit recovery. ** called me at work and went on and on and on and on that she is looking for ME!? Um, no... Same phone number for 15+ years, carry it with me 24/7, I'm not hard to reach! All my bills are paid. I said "I'm at work, what do you want?" She again says she is looking for me. I said, "Okay, I'm at work and this is my cell phone... what do you want?" When she finally mentions the actual person she is looking for... I wasted too much of my time. And she has no manners or respect for my cell phone bill or my employer or my employability (and I haven't done a darn thing to her or Pioneer or any creditor). No way... hung up.
Then, she leaves a message at my unlisted no-call-list home phone. Seriously? No! So, I called back. They claimed that I was a relative of the person they are looking for. I said "No, no, no, no, no... Should I spell that for you?" Then they said "Oh, well if you have no idea who this is..." What? Are they really that stupid? Not being a relative of someone and not knowing who someone is are totally different. Nobody ever asked if I know him. I hung up. They are too stupid and rude to deal with.
I don't owe these folks the time of day...they interrupted and prolonged my work day (can't charge my company for the time to deal with these jerks). But even if someone does owe money, everyone deserves courtesy and respect! These people don't have a clue about courtesy and respect. Further...if you're trying to get money from someone...and you interrupt them at work...and they keep stating "I'm at work" you are putting their job in jeopardy, and um, isn't that counter-productive? You should want that person to continue to be employed. What a horrible company.
For the last 2 years I have been receiving phone calls and letters from Pioneer regarding 2 traffic tickets. One from 1996 and one from 2007. The letters threaten loss of license and jail time if I don't pay. The calls, when I answer, also threaten me with jail if I don't pay immediately. I ended up changing my phone number to avoid the daily dozen calls from them. I contacted the states attorney Pioneer claims I owe money to and was told there is no traffic ticket and if there was it wouldn't have been sent to collections and I wouldn't make checks payable to the States Attorney. I would have had to make it payable to the Circuit Clerks office. I was advised to ignore the calls and letters and that they have received numerous calls about this. 2 years later I am still receiving threatening letters but I've yet to be arrested or have my license revoked. Don't pay these people!!! It's a scam!!!
A representative of Pioneer Credit Recovery contacted my place of business looking for Jackie **. When I received a voice mail message, I was disturbed, and called them back right away because I have excellent credit and I couldn't image what the issue was. When I contacted the agent, he tried to get me to identify my personal information (SS # and DOB) and I told him I would not reveal this information on the phone. He then provided the information for the person he was looking for and I confirmed right away that he contacted the wrong person. This was embarrassing to me and I feel it is a violation for credit companies to "fish" for the deadbeats they are trying to track down by embarrassing people who actually pay their bills. I could not find a place on their website to complain to them. This practice should not be allowed and should be reported to Better Business Bureau and financial service regulators.
Went on a 9month program for default student loan. Made last payment fax in my last pay stubs. 4x they keep telling me they haven't received them. Now they are saying I'm going to have to start this whole thing over. It's not fair and unjust. There should be a law against this.
I have a outstanding fine not payed off and our County doesn't have pay or appear anymore so it has been turned over to Pioneer Recovery so I get a letter from them saying if I don't pay the entire amount of 2 grand that my driver's license would be suspended so I call them and set up a payment arrangements and I have missed 1. So today I got a letter saying if I don't pay the 800 balance or make 6 payments of 148 that my license will be suspended. What really pissed me off is they say they have called several times and I haven't gotten one damn call from them I don't want to lose my license so why would I avoid them? They really need to be reported to someone and fast.
They'll call you 5+x an hour & when you finally call back you get an extremely rude & obnoxious lady (every time), who always sounds so clueless to what's going on with their company & when you tell her you've gotten numerous calls & it's the first chance you can get to call back, she starts freaking out, getting more annoying saying "no, no, impossible. I have here we only called once," & then you have to say, "you called what do you want?" She's like "ss# & Dob & I'll help you" & then transfers you to some other idiot who then transfers you to another idiot, who ends up putting you on hold to ask his/her manager for the answer to a simple question you asked. Incompetent, rude & dumb is how I'll describe this company any day.
This company has been basically overcharging me. According to Tax records they've garnished over $60000 on a $16000 student loan that was in default. I know there are many fees but this is ridiculous. Can somebody help!!!
I called these ** at 866.888.1716 after they left a message on my cellular phone and my girl's phone as well! They were looking for a client of mine, who never has had my girl's cell phone or mine. Apparently this client defaulted on a student loan. I called and basically asked how the hell they got my cell phone number and of course they gave me some scripted ** about using skip tracing techniques, etc. I immediately reported them to the California Attorney General but I doubt that it will do any good. I encourage everyone who is called by these bottom feeders to tell them to remove your name and number from their files and tell them absolutely nothing. This company is a subsidiary of Sallie Mae and the idea that they call up anyone who MIGHT BE associated with their debtor is reprehensible and morally opprobrious.
Prior to my husband's student loans going into default, we contacted Sallie Mae numerous times asking for lower monthly payments. We talked to numerous representatives and none of them had knowledge of the prior conversations that I was going to work with anything. At this time, he was unemployed. We were trying to prevent them from going into default but even though we put forth the effort to prevent that, they still ended up there. When they were sent to collections to the companies referred to above who are also contracted through Sallie Mae, we contacted them, offering a monthly payment of 100 dollars a month because that is all we can afford once my husband found employment.
They said no, this was unacceptable and the minimum they would accept would be 300 + dollars. They have recently started garnishing my husband's wages without sending us any notice that they were going to do so. When we called due to his check being short, they said that we did not update any information with them which we have and that they sent the notice to the old address. I did not get it back. They did not send anything to the previous address because there isn't anyone living there and it would have got sent back.
When I called and spoke to them again, we offered the 100 dollars a month. They said this was unacceptable. The gentleman I spoke with who was supposed to have been a supervisor said, "What? Do you think you can get away without paying your debts?" I replied, "No, we just cannot afford the payment that you were asking for." He has offered to reduce the garnishment to 8 percent as long as we paid an additional 100 dollars a month. I explained to him that would be the same amount of money and that again, we could not afford it.
We have 5 children and a grandchild on the way from my teenage daughter that lives with us. One paycheck prior to the garnishment alone went to rent. I was told to tell family to help me pay for this. Both of my parents are disabled. I asked how to request for rehearing to get the garnishment reduced. He stated that there was no request that I could do for that. I do not want to be homeless.
On top of that, we have other bills. The children need clothing, one needs diapers. Another one on the way will need diapers. There are also expensive food, gas, toiletries, etc. I even sent the forms in on numerous occasions to have a federal loan put into deferment and they failed to do that as well because they were upset about the private loans not being paid. I just found that out the other day when they called in regards to them and I explained to the lady that the last time I sent them in due to having so many problems, I faxed them from our public library to get a confirmation page and this was prior to them being put into default and that I can fax that paper to her to show this is true.
She then gave me the number to contact, a department for the government which I am in the process of doing because it was July third when this happened and they were closed on the fourth. I need some kind of help because they refuse to accept. Please respond as soon as possible before we end up homeless. We have to pay our rent late due to this and we have no recourse against them by calling them. They're not willing to work with you and are very rude and inconsiderate.
Sallie Mae has repeatedly been negligent in applying my student loan payments to the correct loan. I have 3 loans with Sallie Mae for my daughter's tuition. Even with the 3 separate loans, I have only one account with Sallie Mae which encompasses all 3 loans. I have been instructed to, and have been making payments to Sallie Mae via my online banking service. I was informed that the loan payments would be applied to all 3 loans every month. Sallie Mae has repeatedly failed to make payments on all 3 loans.
Therefore, causing loan no. 3 to go into a default status. I have paid $4275 since March 2009. Sallie Mae applied payments to only 2 of the student loans; and no payments were applied to loan no. 3 over a 10-month period. Sallie Mae allowed loan no. 3 to go into default and I am now aggressively being pursued by Pioneer Credit Recovery. I did not receive any notification from Sallie Mae that loan no. 3 had not been paid. And the only notification I received from Pioneer Credit Recovery was a letter in the mail stating that my paychecks were going to be garnished unless I immediately pay $2241, and then be required to pay an automatic monthly withdrawal payment of $183.
When I received the letter from Pioneer Credit Recovery that my paychecks would be garnished, I called and spoke with Kim who demanded (and threatened) that I immediately pay $2241. I attempted to explain to Kim that I have made payments to Sallie Mae. I asked Kim to call Sallie Mae and she stated there is nothing they can do for me now. I personally feel Kim never called Sallie Mae as she had me on hold for only about 2-3 minutes (and it takes longer than that just to get through to Sallie Mae's automated phone system). Kim continued to threaten me unless I pay the $2241.
After speaking with Kim, I called Sallie Mae and spoke with Rodrique who stated that one of my loans was paid in full, and the other loan was so over-paid that my next payment is not due until April 17, 2011. He also stated he did not show any record of my loans being in default. At this point, I requested to speak to a supervisor. And Lauren gave me the same information that Rodrique had given. Lauren stated she did not show any reason why loan no. 3 never had any of my payments applied to it. She stated she would send my account for "investigation/request that funds be reapplied". Lauren states Sallie Mae would have to purchase my loan back from Pioneer Credit recovery.
Lauren stated the investigation would take 10-15 business days. I made a follow up call to Sallie Mae a few days later, and after speaking with Marvin, a supervisor named Cora stated she would expedite my "investigation"; and that I should call back in 3-5 business days. At this point, I still do not have any resolution to this problem; and I have not received my $2241 back.
I have all but emptied out my back account to pay the $2241 to keep my paychecks from being garnished. My credit is completely ruined. I have been emotionally and physically traumatized due to the stress of this situation; and I have had my economic stability threatened. All the while, I have made regular payments to Sallie Mae.
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