Pioneer Credit Recovery, Inc or PCR is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is Pioneer Credit Recovery – PCR?

Pioneer Credit Recovery or PCR is a third-party collection agency based in New York that specializes in collecting debts for government agencies and student loan providers. PCR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper sharing of information and making false statements. If you have been contacted by PCR,make sure you understand your rights before responding.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Pioneer Credit Recovery a scam?

There are three notices of government action on the Better Business Bureau’s (BBB) profile page for Pioneer Credit Recovery, Inc. According to the BBB, PCR is a legitimate collection ageny founded in 1985 and incorporated in 2001. The BBB established PCR’s profile page in 1988. PCR is listed as a collection agency and credit service. The BBB lists 11 alternate phone numbers for PCR. Buzzfile estimates PCR’s annual revenue at $77.5 million and the size of its headquarters staff at 1,100 employees.

According to its website, PCR“is a national leader in the collection industry providing collection services on defaulted debt.”Pioneer Credit Recovery is owned by Navient Corporation, a financial corporation that specializes in servicing student loans issued by the federal government. PCR handles “billions in portfolios…and recovers a broad spectrum of debt for all levels of government: from federal agencies, to cities, to hundreds of counties.”

PCR’s “collection methodology utilizes focused and proven skip-tracing, account segmentation and calling strategies on…clients’ portfolios.” PCR’s “sophisticated portfolio analysis strategies, effective negotiation techniques, and… mission alignment” help them collect “the most money for their collection partners in the shortest time possible.”

Pioneer Credit Recovery provides collection services to three major shareholders: federal, state, and city government agencies; delinquent debt accounts for the court system; and tax amnesty. PCR’s government division “is a leading provider of collection services…across the nation and…has a wealth of experience in non-tax government collections.” Their court debt division “offers superior collection performance to county and municipal governments for the collection of court fines and fees.” PCR’s tax amnesty division “has led several tax amnesty efforts by states to increase tax collection.”

PCR’s Quality Control page indicates adherence “to the highest ethical standards” and the use of “multiple layers of accountability and risk management across all departments of the organization.” However, their website does not provide any links or references to consumer protection resources, laws, or enforcement agencies.

How many Complaints are there against Pioneer Credit Recovery – PCR?

The BBB has posted 3 separate notices of government action against Pioneer Credit Recovery. There is also a statement regarding the U.S. Department of Education’s decision to cancel their contract with PCR due to allegations they “weren’t engaging in fair and straightforward practices in compliance with Federal and State laws.” In addition, the BBB has closed 261 complaints against PCR in the preceding 3 years, with 42 complaints closed in the past 12 months. The majority of these complaints alleged problems with customer service, with 85 of the complaints alleging problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 68 complaints about PCR. Justia lists at least 20 cases of civil litigation involving PCR.

Contact Information

Pioneer Credit Recovery, Inc.
26 Edward St.
Arcade, NY 14009
Telephone:(800) 836-2442
Website: http://www.pioneercreditrecovery.com/

Can Pioneer Credit Recovery Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely PCR would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you

Can you help me file a No Fee Lawsuit against Pioneer Credit Recovery Inc?

Absolutely. Here are some Sample Cases filed in Federal Court

Currently, there are three pending actions of civil litigation against PCR “formally brought by a government agency … that have not yet been resolved.”

Two cases were brought by the State Attorneys General of Illinois and Washington. The third case was brought by the CFPB on behalf of the federal government. In January 2017, the Illinois Attorney General “filed a lawsuit against Navient Corporation, its subsidiaries Navient Solutions Inc., Pioneer Credit Recovery Inc., and General Revenue Corporation and Sallie Mae Bank, over widespread abuses across all aspects of its business, including student lending, student loan servicing, and student loan debt collection.” Also in January 2017, the Washington State Attorney General filed a lawsuit claiming the “business is in violation of state law prohibiting violations of the Consumer Protection Act, relating to the origination, servicing and collection of student loans. (Those practices included improperly steering financially distressed students toward short-term for bearances, engaging in aggressive and misleading collection tactics, and more.)” In response, PCR alleges all the charges are “unfounded, and that the timing of these lawsuits—at midnight…on the eve of a new administration—reflects their political motivations.”

The third action was filed by the CFPB. In a 66-page indictment, the CFPB has alleged widespread fraud and abuses by Navient and its subsidiaries, including violations of the Consumer Financial Protection Act (CFPA); the Fair Credit Reporting Act (FCRA); and the Fair Debt Collections Practices Act (FDCPA). Charges include allegations that Navient and its subsidiaries routinely steered borrowers to repayment plans they knew would result in higher costs to borrowers; deliberate misadministration of payment processing and repayment program enrollment; deliberate misreporting of credit information to the credit reporting agencies; deliberately misinforming borrowers about credit reporting practices and collection fees; routine payment processing errors; and other deceptive and unfair practices that often resulted in financial gain to Navient and its subsidiaries. PCR posted a response to this action that also denied wrongdoing and accused the CFPB of being motivated by politics.

Details of these complaints, including the entire 66-page indictment from the CFPB, can be found under the Alerts & Actions tab on the profile page for Pioneer Credit Recovery on the BBB website.

Here are some past Press Releases of Lawsuits Brought On By Lemberg Law in Federal Court

October 10, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Georgia. The case, against Pioneer Credit Recovery, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.

It can be unnerving to be on the receiving end of collection calls. But when the debt isn’t one that you incurred, having a debt collection company call you is simply wrong. Our client says that PCR started calling his cell phone to try and collect a debt supposedly owed by his wife. More than once, our client explained that he wasn’t responsible for the debt and asked them to stop calling his cell phone. PCR didn’t honor his request, and kept calling anyway.

The lawsuit charges that Pioneer Credit Recovery violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt.

Pioneer Credit Recovery PCR Calling You?

Understand your debt collection rights

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.

The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.

Consumers have reported this agency harassing them from the following numbers:

  • 3179601535
  • 6073044461
  • 3179601530

Want to Stop Pioneer Credit Recovery PCR Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.

What Our Clients are Saying

“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Pioneer Credit Recovery PCR from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

7 COMMENTS
  • hakim steward

    my issue is with pioneer credit recovery talking to my account. to my son and daughter school. after they found out i was on the bard of directors. the i have email sent me from the secutary in office at head start office which im not employee of head start . they know who im employed by still contact with my personal business including a reference number to my account with them

  • Sharon

    Pioneer Credit Recovery has been calling people I hardly know and disclosing that I owe a debt (which is true, but they have no business disclosing that information). They called my boss’ secretary, whom I barely know, at home on her landline, and told her that I listed her as a personal reference on a debt. This is a lie & they scared her. I don’t even know her home number and I barely know her. They are trying to collect a student loan that is in collection. I didn’t even know this secretary when I took out student loans. They also contacted my next door neighbor, whom I also barely know and don’t even have their home (landline) phone number. They also lied to them and disclosed information to them similar to my boss’ secretary. As if that wasn’t enough, they also contacted a colleague who does my same job at a different location & disclosed they were attempting to collect a debt. They did all this having my cell phone number and direct line at work. No, I am not talking to them, but this is because I am so emotionally distressed over their behavior described above. I am attempting to get my student loans out of collection without having to speak to them.

  • Shannon Tippie

    I have a 24 year old Fed. Student Loan. I’ve been attempting to settle the amount with PCR. They tell me they can only except Principal plus interest. Problem is that 2/3 of principal is collection fee’s. I was willing to even pay almost 95% of this loan but they threaten that their client USA Funds doesn’t have to settle that they will get their money one way or another and have even threatened seizing my Social Security to do so. What are my rights as it relates to the enormous amount of money they have tacked on to my FSA in penalties? If they pass a judgment on me is there a possibility I could get a court to make them wave some of these astronomical fee’s? The loan originally was for $9,300 in 1994. Now they say its in excess of 55K. I’ve offered 51K as a settlement amount but they keep stringing me along. With no end in sight. Please HELP.

  • K. Braddy

    They already have begun to garnish my wages, I am a single mom with a 12 year old son and I am barely making ends meet working crazy OT. They put me on a payment plan, for 5 dollars a month telling me that once 5 payments were made then I can suspend the withdrawal. In addition they have already begun to garnish my account for close to 300 dollars every two weeks. The debt is for student loans I once had through Navient. I never received any paperwork regarding a judgement or court date as I had always dealt with Navient directly. I am at risk of losing my apartment, car and will be homeless by the time this all ends and the state of MD is not helping with filing a lawsuit against them. They have contacted my relatives and my workplace numerous times. I am at my wits ends and this has caused me undue stress and hardship.

  • Maureen Fitzgerald

    Why are they calling me when I have no debt ??

  • Patricia Lunford

    They are constantly calling my husband and me. I did not list my husband as a contact number. They call me at least 3 or more times a day. I’m sick of it. We are barely eating.

  • Christina Harris

    It is despicable that these credit agencies can harass people who have nothing to do with the alleged debt incurred. I have received three voice messages from them for an alleged debt from my mother’s former husband. My mother divorced the man almost 8 years ago. He and I have never lived in the same house together. He does not live with me, has never lived with me. I was an adult living on my own when my mother and he married. The divorce was not amicable. So why should I be harassed because someone who I don’t talk to and want to have nothing to do with allegedly owes money. Unfortunately the law is not enough to stop this agency from harassing others. The agency is cruel and they should learn more humane ways to accomplish their goals.

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