Consumer complaint received 2021-08-27
Company: Navient Solutions, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My wife received a letter in the mail from " pioneer credit recovery '' stating that she owed {$3000.00} to the department of defense. 
In the letter they stated that they were contracted by the US department of treasury, bureau of fiscal service to collect this debt. 
They threatened that not paying this debt would result in our delinquency being reported to the national credit bureaus, and that any future tax refunds could be garnished as a result. 
I tried calling the number provided XXXX, and was met with a series of robotic voice-mails stating that there was a " company-wide meeting '' and to leave a message. I left a message. Looked up the company on XXXX and called the phone number listed there : XXXX. Another automated message told me to enter the reference number on the document, then I was connected to a woman named " XXXX ''. She transferred me to another automated series of message that were identical to the first number, and I was prompted to leave another voice message. 
I tried calling the number again to talk to " XXXX '' and I got a message saying the number was disconnected. 
Bingo! Scam! 
I looked closer at the " bill '' and though it looks somewhat professional : lots of info, debtor numbers, reference numbers, an option to state your change in address, really small QR codes ( too small to use XXXX changes in text format, a mailing barcode that eerily looks like its a .jpg. etc., etc.. 
The envelope was hand mailed from XXXX : personally stamped, but the logo states this company is in XXXX NY, and the payment address is in XXXX XXXX MO. 
I'll hold onto the " bill '' for now in case you want to see it. 
I did some more searching, and there's also a page on XXXX regarding a law firm that you can reach out to SPECIFICALLY for this PCR company. 
Both websites fairly professional. And there's multiple pages that state that this company is indeed hired by the IRS for debt collections. 
This scam is multiple layers deep. 
If you need the envelope or " bill '' sent to you, or just pictures, I can do that. 

I personally know a few people who have fallen for these scams. 

Please find these individuals, or at least shut their websites down. Have XXXX flag them or something. 
These scammers are getting very elaborate, and somehow they're finding pertinent info on their potential victims. 
The reason why this was even slightly believable was because my wife 's ex husband was in the XXXX ; perhaps this was an unpaid doctor 's bill or something? 
I knew it was a scam, because we did a credit check last year when I tried getting her on my CC account, and we're aware of which items that went into collections, and actively fixed them. 
There's another scam they tried pulling on her last month regarding her cars warranty ; they tried the same with me. They know what cars we drive ; they're sending personalized warranty cards for your vehicle now that make it seem believable. 

Thank you for your efforts on this.

Company response to consumer: Closed with explanation