Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pioneer Credit Recovery Inc contacted me and alleged that I owed a debt to XXXX which was being handled through Dept of Treasury ( Bureau of the Fiscal Service ). They accused me of fraud and said that I used XXXX for the invoices enclosed further explaining that I 'd received a settlement and failed to repay XXXX. I then explained that I do not owe the dept because the invoices in question : 1 ) Are the incorrect invoices and were never a part of treatment received for the accident. 2 ) The lawsuit I had for the accident was NEVER settled. 3 ) The treatment that I received for the accident was NEVER billed to XXXX, so I do not owe the debt. I then asked if they have the duty to prove the validity of a debt owed and what made them choose these particular invoices and why? They then informed me that since they represent a government agency that they did DO NOT have to prove anything and the the burden of proof was my responsibility. I then asked how these particular invoices were chosen because I knew that they were not related to my pending lawsuit and that this was a random attack, Moving forward like a good citizen who believed that they would be fair I provided proof and even a letter from my doctor disclosing that although the invoices were from his office but that he had never treated me for an accident. They were also invited by me and my doctor to follow up with their office if they needed any additional information. I could see that they really did not have a care or concern about my well-being nor were they interested in the truth ; so I filed a dispute about 3 or 4 months ago. Then much to my surprise they began to garnish my XXXX XXXX XXXX which has caused a serious financial hardship like hunger and the inability to buy medications. It is my prayer that your agency help me to recover the money that Pioneer Credit Recovery Inc and the Depy of Treasury ( Bureau of the Fiscal Service ) have stolen from me. <P/>DISPUTE SENT ON XX/XX/XXXX Please be advised that I am disputing the erroneous charges from Pioneer Credit see my complete file and the attorney information enclosed. The changes in question are not from an accident or lawsuit. I will in the next few days provide documentation on said invoices, Respectfully, XXXX XXXX XXXX, Attached please find Part 1 of your file contents. If you need anything else, please let me know. <P/><P/><P/><P/><P/><P/>copy of email dispute sent on XX/XX/XXXX US Dept of Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX Acct Num:XXXX DISPUTE SENT XX/XX/XXXX Dear Dept of Treasury, The invoices in question were a part of ongoing pain management. The treatment that I received was in fact routine care for pain. To this day I do not understand why you picked these particular invoices. It is unfair that even after I supplied you with a complete file which was proof that I NEVER received compensation for my injuries you still put a wage assignment on my XXXX income which prevented me for being able to pay rent and purchase groceries. I am disputing these charges and demanding that you return any money that you have wrongfully taken from my wages. Additionally you have my permission to request any records from the XXXX XXXX XXXX or feel free to call them if you have any concerns. <P/><P/>Respectfully, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation