Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Continued messages left on voice mail from Pioneer Credit Recovery asking to call regarding debt collection. I have NO outstanding debt of any kind. 
Company information Pioneer Credit Recovery , Inc . 
XXXX XXXX XXXX. 
XXXX, NY XXXX Telephone : ( XXXX ) XXXX Website : http : //www.pioneercreditrecovery.com/ " How many complaints are there against Pioneer Credit Recovery PCR? 
The XXXX  has posted 3 separate notices of government action against Pioneer Credit Recovery. There is also a statement regarding the U.S. Department of Educations decision to cancel their contract with PCR due to allegations they werent engaging in fair and straightforward practices in compliance with Federal and State laws. In addition, the XXXX 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 XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has received 68 complaints about PCR. XXXX lists at least 20 cases of civil litigation involving PCR. '' " 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 XX/XX/XXXX, the Illinois Attorney General filed a lawsuit against Navient Corporation, its subsidiaries Navient Solutions Inc., Pioneer Credit Recovery Inc., and XXXX XXXX XXXX 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 XX/XX/XXXX, 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 lawsuitsat midnighton the eve of a new administrationreflects 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 XXXX website. ''

Company response to consumer: Closed with explanation