Pioneer Credit Recovery collects for city, state, federal government agencies, and Educational Credit Management Corporation. It also provides collection services to county and municipal courts and guaranty agencies for student loan debt.
If you’re having trouble with PCR, you can file a complaint online with Pioneer. You also can file a complaint with the Better Business Bureau (BBB) and the Consumer Financial Protection Agency.
If neither of those options resolves your issue, you can contact your state attorney general’s office or state consumer protection office. Take notes on any phone calls you have about your student loans or other debts and keep copies of letters, bills, or emails about your account.
Lastly, because Pioneer is a debt collector, you may be able to file a lawsuit against PCR for violating the Fair Debt Collection Practices Act.
Pioneer Credit Recovery Scam? Pioneer Credit Recovery is a legitimate business and not a scam. But over its years of experience, consumers have filed several complaints with the CFPB and BBB about PCR’s debt collection efforts (e.g., asking family members for a borrower’s Social Security Number or giving inaccurate account information).
Does the IRS use Pioneer Credit Recovery? Until September 23, 2021, the IRS used Pioneer Credit Recovery to collect outstanding inactive tax debts. However, the IRS stopped using Pioneer Credit Recovery and now relies on three debt collection agencies: CBE Group Inc., Coast Professional, and ConServe.