The caller claimed he was from Navient. He seemed very unprofessional and didn't seem to know what to say. He immediately asked for my date of birth, but then I questioned him. He responded nevermind have a good day. Very suspicious... I recommend not giving out personal information.
Web page lists them in Wilkes Barre Pa, but the BBB has them in Delaware. Must be a heck of a drive every day for the mail: https://www.navient.com/about/contact-us/
BBB page 2,020 (not a typo) complaints, 32 negative reviews, and a government action and they still get an A+??? Wonder how much they are paying for that? http://www.bbb.org/delaware/business-reviews/ ... ton-de-92002017
Looks like lots of shady dealings going on there and lots of government actions against them:
http://www.businesswire.com/news/home/2015071 ... s-Investigation
http://www.huffingtonpost.com/2015/04/24/navi ... _n_7131914.html
http://www.huffingtonpost.com/2014/12/11/afl- ... _n_6309412.html
http://www.consumeraffairs.com/finance/navient.html?page=2
PIONEER CREDIT RECOVERY
Posted in: http://800notes.com/Phone.aspx/1-845-589-9251
http://800notes.com/Phone.aspx/1-732-781-1242
http://800notes.com/Phone.aspx/1-917-423-3095
http://800notes.com/Phone.aspx/1-631-247-9090
http://800notes.com/Phone.aspx/1-855-202-7001/2
http://800notes.com/Phone.aspx/1-800-432-6202
Pioneer has lost their contract to collect student loans due to their criminal activity: http://www.huffingtonpost.com/2015/02/27/educ ... _n_6773286.html
Web page with contact information: https://pioneercreditrecovery.com/Contact.aspx
BBB page with 198 complaints and 6 negative reviews and a government action revoking their contract and a BS statement about the revocation of that contract but somehow still gets an A+??? (Probably because it is accredited and pays big bucks for that rating): http://www.bbb.org/upstate-new-york/business- ... arcade-ny-5664/
Pioneer is a Delaware corporation organized in December of 2001 unlike their web page that says 1980.
Bizapedia.com page: http://www.bizapedia.com/de/PIONEER-CREDIT-RECOVERY-INC.html
Copy of their contract with Dept. of Education: https://studentaid.ed.gov/sites/default/files ... aseContract.pdf
Other complaints:
http://www.complaintsboard.com/complaints/pioneer-credit-recovery-c253043.html
http://www.ripoffreport.com/r/pioneer-credit-recovery-inc-sallie-mae/perry-new-york-14530/pioneer-credit-recovery-inc-sallie-mae-original-debt-amount-from-sallie-mae-34k-tha-p-596480
Lawsuits against both entities a lot of lawsuits:
https://pacermonitor.com/public/case/9001574/Dieng_v_Navient_Solutions,_Inc_
http://www.courts.ca.gov/opinions/nonpub/B258981.PDF
http://www.law360.com/cases/5679887586143c39d3000001
https://pacermonitor.com/public/case/8991529/ ... Sallie_Mae,_Inc
http://debanked.com/2015/07/blyden-v-navient- ... -madden-future/
http://www.justice.gov/sites/default/files/cr ... alliesettle.pdf
http://www.plainsite.org/dockets/2cfs9pzrz/pe ... -solutions-inc/
http://law.justia.com/cases/federal/appellate ... 2015-10-14.html
http://www.ksb.uscourts.gov/index.php/kansas- ... nc-et-al-doc-24
http://www.leagle.com/decision/In%20FDCO%2020 ... RECOVERY,%20INC.
http://caselaw.findlaw.com/la-court-of-appeal/1689459.html
http://caselaw.findlaw.com/us-2nd-circuit/1025155.html
https://www.gpo.gov/fdsys/pkg/USCOURTS-flsd-9_13-cv-80511/content-detail.html
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
File a complaint at the NY State AG's Office here: http://www.ag.ny.gov/
You need to order your credit reports because someone may have used your name fraudulently as a co-signer on their student loan or someone has used your information. I would definitely check into it to nip it in the bud if there has been fraud, the sooner you start to correct/stop it, the better. Navient IS student loans through Sallie Mae. The last thing you need is your credit ruined and the government garnishing your paychecks! You can order your credit reports through AnnualCreditReport.com (don't use "Free"CreditReport etc, they're not free. Annual Credit Report.com is the free one. Also see http://clarkhoward.com for good consumer information - they even have a free consumer helpline you can call if you find out something bad has happened. Good luck!