We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # ***We received and reviewed the correspondence regarding the consumer and provide the following response:While we understand, the complainants expressed concerns, our call recordings do not
validate her claimsOur office has honored the complainant’s request for no further contact and programmed our system to ensure no further call attempts are made to the number providedOur office is attempting to contact the complainant’s spouse regarding a personal business matterWithout the proper verification of identity, our policy prevents us from discussing the details about the matterWe encourage the complainant’s spouse to contact our office at his convenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesIn addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #***We received and reviewed the correspondence regarding the consumer and provide the following response: Upon investigating the consumer's complaint, our business records show our
communications adhered to our expectations of professionalism and procedureWe did not find activity that constitutes harassment and our communications are not intended to harass any individualWe hold our representatives and services to high standards of legal compliance and ethical practicesRecords reflect, our office attempted to contact the consumer, leaving a message for the consumer to call backAfter contacting the consumer, Pioneer made no further calls to third partiesAs a matter of explanation, calls are intended to maintain an open line of communication to aide consumers in resolving their accounts and remain up-to-date on the status of their accounts; these calls are not intended to harassAny communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolutionCall recordings reflect our representatives remained professional throughout the conversations held with the consumerThe consumer had initiated a time sensitive process which our office was following up to ensure the consumer did not have any further questionsWe are unable to proceed with any other communication concerning the account due to the consumer’s full cease and desistThe consumer’s account has been updated to reflect her dialing restrictionsWhile we understand the consumer’s expressed desire to establish resolution, should she have any additional questions and/or concerns, she can contact our office directly
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to ***We received and reviewed the correspondence regarding the account and provide the following response: Upon receipt of the complainant’s concerns identified through your office; our systems were
programmed not to dial this number in the futurePioneer sought location information for its intended partyWe do appreciate notification of the complainant’s concerns and have resolved the matterWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesIn addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our responsePlease contact our office with any questions or requests for additional information
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Regards, *** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint#***We received and reviewed the correspondence from your office regarding the complainantand provide the following response:On December 28, 2015, the complainant contacted our office and paid
an outstanding fine in fullOuroffice explained to the complainant, a receipt would be sent to her via emailOur representative verifiedthe complainant’s email address and emailed the receiptOn December 29, 2015, the complainantcontacted our office stating she had not received the emailOur representative assisted the complainant ingoing to our website and verifying the balance was at zeroThe complainant requested another email inwhich our office resent on December 30, 2015, to the address provided our officeIn addition, ourrepresentative explained to the complainant, she could contact the client for a receipt to be sent to her viaUS mail.We agree it is our responsibility to attempt to resolve complainant complaints presented to the Revdex.comWealso understand the Revdex.com may or may not publish the complainant’s complaint and our responses on theRevdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the complainant’s privacy, and non-public information from being viewed bythird partiescomplainantIn addition there may be other federal and/or state privacy laws that apply torelease of information regarding the complainant in questionTherefore, because of the possibility that thecomplainant's complaint and our response may be publicly posted on the Revdex.com website; we have omittedall nonpublic, personal information regarding the complainant from our response
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards, *** *** That is not exactly how that went. My job received a notice of wage garnishment before I did. Due to the fact that they were not willing to work with me, I have now filed for bankruptcy. They may contact my lawyer Ch*** ** *** ***
* Thanks
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #***We received and reviewed the correspondence regarding the consumer and provide the following response: On November 27, 2016, our client placed an account in our office in the consumer’s
nameOn November 29, 2016, our office sent an initial validation notice to the address provide by our client as the consumer’s last known mailing addressDue to the consumer’s failure to voluntarily resolve the account, our office began processing the account for administrative wage garnishment by the guaranty agency, pursuant to the provisions of the Higher Education Act of 1965and the implementing federal regulations on April 6, On March 2, 2017, the consumer contacted our office to establish a resolution on the account, and agreed to make voluntary payments while enrolled in the Federal Loan Rehabilitation Program to suspend her administrative wage garnishmentA garnishment is eligible to be suspended once five qualifying payments have been made, and all required paperwork has been returnedUnfortunately, there were several payment discrepancies on the account, and the required paperwork was not returned until June 20, 2017, causing a delay in the suspension processOn July 18, 2017, the consumer’s account was paid in full, and all remaining payments were removed from our systemThat same day, we mailed Release of Wage Withholding (ROWW) to the consumer, and also to the consumer’s employer in order to suspend the administrative wage garnishmentOur office also attempted to fax the notice as well; however, the fax number provided to us was invalidSeveral attempts were made to contact the consumer’s payroll department to obtain updated information; however, our attempts were unsuccessful until August 3, 2017, when a new fax number was providedOur records indicate the fax was successful to that numberWe have reviewed the account notes and call recordings and maintain that our representatives were professional at all times
Hi ***, thank you for forward g me the responseI read it and am.dissatisfird with the resultsThey disclosed my personal information and called a place I work from time to to time, I don't have a full time employerThey called people I rarely speak to, they called world bank for Christs sakesAll along just throwing my name an d reference e number and agents names out thereI have been out of the country for about a month, I have the ticket to prove itLiterally not reachableIs this what people should expect if they can't afford to pay their student loans? They said that their behaviour did not constitute harrassmentI don't see how they can make that assertion, I wasn't even here for this and I feel harassedcan you imagine what it would have been like if I was here? Thanks ***I have reviewed the response made by the business in reference to complaint ID 12370328, and find that this resolution is satisfactory to me. Regards, *** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiryWe received and reviewed the correspondence regarding the account and provide the following response:In attempts to reach a consumer with a similar name, our representatives dialed the telephone
number provided by the complainantOur representatives were unaware the telephone number being dialed was an invalid telephone numberUpon receipt of the complainant’s identified concerns on November 1, 2016, our systems were programmed to not dial this number in the futureWe appreciate the notification of this matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Just read this letter from my lawyer about what a hard time they gave her about getting the wage garnishment correctedCall and talk to her if necessary
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # ***Our office received and reviewed the correspondence regarding the consumer and provides the following response:Records do not support harassment of any kindOur representative contacted
the debtor in an effort to help him resolve the account in our officeUpon being notified that the debtor was working with an attorney on the matter, our representative updated the account accordinglyOur company has requested proof of debt and will mail it to the debtor’s attorney upon receipt.Currently, the debtor’s account remains in our office in a delinquent status and is subject to federal offsets and Administrative Wage GarnishmentThe debtor has requested a cease and desist on all communications from our company; the account has been updated to honor this requestWe understand the client may be offsetting any federal income the debtor may be receiving; however, this does not constitute a voluntary arrangementWe encourage the debtor to rescind his cease and desist request and contact our office to determine what options are available to him to resolve the debt.We agree it is our responsibility to attempt to resolve debtor complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the debtor’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the debtor’s privacy, and non-public information from being viewed by third partiesIn addition there may be other federal and/or state privacy laws that apply to release of information regarding the debtor in questionTherefore, because of the possibility that the debtor’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the debtor from our response
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowThough I appreciate that my number has been removed from this company's system, I disagree that there was not a harassing pattern to the callsMultiple calls in one day to a person who is not responsible for a debt trying to be collected is excessive (in one case, calls in one day spaced an hour apart)I am sure this is not just happening to me as family members continue to get calls sometimes multiple calls in a single hour periodI believe that these business practices are quite unsavory. Regards, *** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiryWe received and reviewed the correspondence regarding the account and provide the following response: We have reviewed our business records related to complaint ID ***On June 25, 2017,
our client placed the consumer's account with our officeOur representatives attempted to contact the consumer via telephone and regular mailAfter attempts to reach the consumer failed, our representatives sought the consumer’s location informationOn August 8, 2017, the consumer contacted our office and was upsetOur representative explained why our office was trying to locate herThe consumer updated her current contact information and our representative documented the account accordinglyRegarding the consumer’s allegations of hacking, our office does not engage in such practices and maintains exceptionally high standards of compliance with state and federal laws when working with consumer non-public informationWe strictly adhere to requirements to protect individual privacyPer the consumer’s request we have placed a cease and desist on her accountThank you for providing our office with the opportunity to respondWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesThere may be federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility the complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our responsePlease contact our office with any questions or requests for additional information
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am currently on disability and do not have an employer as this company states. Also, the hearing did take place and I received the results which also did NOT resolve the matter
Regards,
*** ***
I would like for them to work with me to lower my payment. I do not have a problem with paying my loan, but with the interest rate that they have me under, I will never be able to pay off the actual loan.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am not totally satisfied with the response from Pioneer. I would like to have copies of all payments I have submitted to Pioneer, so I can forward to my current loan holder.
Regards,
[redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence regarding the consumer and provide thefollowing response:On March 4, 2015, our client placed the consumer’s account with our office. Initial...
telephone contactwith the consumer occurred on August 5, 2015. Our representatives attempted to assist the consumerestablish voluntary resolution; however, the consumer did not commit during the conversation. As novoluntary resolution was established; the consumer’s account was processed for Administrative WageGarnishment.Our representative attempted to contact the consumer via telephone; however, were unable to reach her.However, contact with the consumer was not again established until May 12, 2016. During theconversation; the consumer expressed her desire to establish resolution through a consolidation; however,to date our office has not received the completed application.Upon review of the file, our records show our communication attempts to the consumer intended only toassist her enrollment in a federal program that may resolve this matter for her. The consumer may findthat communicating with our office under these circumstances provides specific benefits including thepossibility of suspending the Administrative Wage Garnishment after particular federal programrequirements are met.As a matter of explanation, calls are intended to maintain an open line of communication to aideconsumers in resolving their accounts and remain up-to-date on the status of their account’s; these callsare not intended to harass. Any communication intends to remind consumers of an obligation, help toavoid negative consequences, and inform consumers about options for resolution. Additionally, providedthe consumer grants us permission to communicate with her regarding the account via telephone, theconsumer may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumed responsibilityfor protecting the consumer’s privacy, and non-public information from being viewed by thirdparties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. §1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition,there may be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the consumers complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regardingthe consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We received and reviewed the correspondence regarding the consumerand provide the following response:On July 15, 2012, our client placed an account in our office in the consumer’s name. At...
the timeof placement, the consumer’s account was in an active wage garnishment status. At the time ofplacement, our representatives attempted to contact the consumer via regular mail and telephone;however, we were unable to reach her. To date, our office has not discussed the status of theaccount with the consumer. On December 14, 2015, our client sent written correspondence viaregular mail to the consumer providing her with the balance and payment history.The consumer may request a statement of account (as was previously provided to her) and mayalso be eligible for other options to resolve the account. The account is valid and remains in ouroffice in a defaulted status. We encourage the consumer to contact our office via telephone.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the consumer’scomplaint and our response may be publicly posted on the Revdex.com website; we have omitted allnonpublic, personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID[redacted]. We received and reviewed the correspondence from your office regarding the consumer andprovide the following response:On January 25, 2017, the consumer contacted our office and inquired...
why her balance was increasing whileshe was making payments. The consumer was made aware how her defaulted student loan balance increasedsubject to collection costs and interest in accordance with federal law. The consumer did not enroll inrepayment prior to the assessment of collection costs to her account and while those costs are not repeatedlycharged to the consumer, the charge allowable under the law is based on a formula, or statutory range,provided the amount does not exceed statutory specifications. On January 14, 2017, our client assessed costs atan amount permissible under 34 CFR 682.410(b)(2). Our client also previously mailed a notice to theconsumer that informed the consumer the maximum range, as well as the method of calculation for which suchcollection costs may be assessed. Our office will provide the consumer with a statement of account or paymenthistory upon her request.We do encourage the consumer to continue with the Federal Loan Rehabilitation Program. Please advise theconsumer to contact our office for any further assistance regarding her defaulted student loans.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumed responsibility forprotecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant tosection 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the priorexpress consent of the consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collectormay not communicate in connection with the collection of any debt, with any person other than the consumer,his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor,or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the consumer in question. Therefore, because of the possibility that theconsumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # ***We received and reviewed the correspondence regarding the consumer and provide the following response:While we understand, the complainants expressed concerns, our call recordings do not
validate her claimsOur office has honored the complainant’s request for no further contact and programmed our system to ensure no further call attempts are made to the number providedOur office is attempting to contact the complainant’s spouse regarding a personal business matterWithout the proper verification of identity, our policy prevents us from discussing the details about the matterWe encourage the complainant’s spouse to contact our office at his convenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesIn addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the consumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our response
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #***We received and reviewed the correspondence regarding the consumer and provide the following response: Upon investigating the consumer's complaint, our business records show our
communications adhered to our expectations of professionalism and procedureWe did not find activity that constitutes harassment and our communications are not intended to harass any individualWe hold our representatives and services to high standards of legal compliance and ethical practicesRecords reflect, our office attempted to contact the consumer, leaving a message for the consumer to call backAfter contacting the consumer, Pioneer made no further calls to third partiesAs a matter of explanation, calls are intended to maintain an open line of communication to aide consumers in resolving their accounts and remain up-to-date on the status of their accounts; these calls are not intended to harassAny communication intends to remind consumers of an obligation, help to avoid negative consequences, and inform consumers about options for resolutionCall recordings reflect our representatives remained professional throughout the conversations held with the consumerThe consumer had initiated a time sensitive process which our office was following up to ensure the consumer did not have any further questionsWe are unable to proceed with any other communication concerning the account due to the consumer’s full cease and desistThe consumer’s account has been updated to reflect her dialing restrictionsWhile we understand the consumer’s expressed desire to establish resolution, should she have any additional questions and/or concerns, she can contact our office directly
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to ***We received and reviewed the correspondence regarding the account and provide the following response: Upon receipt of the complainant’s concerns identified through your office; our systems were
programmed not to dial this number in the futurePioneer sought location information for its intended partyWe do appreciate notification of the complainant’s concerns and have resolved the matterWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesIn addition, there may be other federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility that the customer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our responsePlease contact our office with any questions or requests for additional information
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Regards, *** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint#***We received and reviewed the correspondence from your office regarding the complainantand provide the following response:On December 28, 2015, the complainant contacted our office and paid
an outstanding fine in fullOuroffice explained to the complainant, a receipt would be sent to her via emailOur representative verifiedthe complainant’s email address and emailed the receiptOn December 29, 2015, the complainantcontacted our office stating she had not received the emailOur representative assisted the complainant ingoing to our website and verifying the balance was at zeroThe complainant requested another email inwhich our office resent on December 30, 2015, to the address provided our officeIn addition, ourrepresentative explained to the complainant, she could contact the client for a receipt to be sent to her viaUS mail.We agree it is our responsibility to attempt to resolve complainant complaints presented to the Revdex.comWealso understand the Revdex.com may or may not publish the complainant’s complaint and our responses on theRevdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumedresponsibility for protecting the complainant’s privacy, and non-public information from being viewed bythird partiescomplainantIn addition there may be other federal and/or state privacy laws that apply torelease of information regarding the complainant in questionTherefore, because of the possibility that thecomplainant's complaint and our response may be publicly posted on the Revdex.com website; we have omittedall nonpublic, personal information regarding the complainant from our response
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards, *** *** That is not exactly how that went. My job received a notice of wage garnishment before I did. Due to the fact that they were not willing to work with me, I have now filed for bankruptcy. They may contact my lawyer Ch*** ** *** ***
* Thanks
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #***We received and reviewed the correspondence regarding the consumer and provide the following response: On November 27, 2016, our client placed an account in our office in the consumer’s
nameOn November 29, 2016, our office sent an initial validation notice to the address provide by our client as the consumer’s last known mailing addressDue to the consumer’s failure to voluntarily resolve the account, our office began processing the account for administrative wage garnishment by the guaranty agency, pursuant to the provisions of the Higher Education Act of 1965and the implementing federal regulations on April 6, On March 2, 2017, the consumer contacted our office to establish a resolution on the account, and agreed to make voluntary payments while enrolled in the Federal Loan Rehabilitation Program to suspend her administrative wage garnishmentA garnishment is eligible to be suspended once five qualifying payments have been made, and all required paperwork has been returnedUnfortunately, there were several payment discrepancies on the account, and the required paperwork was not returned until June 20, 2017, causing a delay in the suspension processOn July 18, 2017, the consumer’s account was paid in full, and all remaining payments were removed from our systemThat same day, we mailed Release of Wage Withholding (ROWW) to the consumer, and also to the consumer’s employer in order to suspend the administrative wage garnishmentOur office also attempted to fax the notice as well; however, the fax number provided to us was invalidSeveral attempts were made to contact the consumer’s payroll department to obtain updated information; however, our attempts were unsuccessful until August 3, 2017, when a new fax number was providedOur records indicate the fax was successful to that numberWe have reviewed the account notes and call recordings and maintain that our representatives were professional at all times
Hi ***, thank you for forward g me the responseI read it and am.dissatisfird with the resultsThey disclosed my personal information and called a place I work from time to to time, I don't have a full time employerThey called people I rarely speak to, they called world bank for Christs sakesAll along just throwing my name an d reference e number and agents names out thereI have been out of the country for about a month, I have the ticket to prove itLiterally not reachableIs this what people should expect if they can't afford to pay their student loans? They said that their behaviour did not constitute harrassmentI don't see how they can make that assertion, I wasn't even here for this and I feel harassedcan you imagine what it would have been like if I was here? Thanks ***I have reviewed the response made by the business in reference to complaint ID 12370328, and find that this resolution is satisfactory to me. Regards, *** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiryWe received and reviewed the correspondence regarding the account and provide the following response:In attempts to reach a consumer with a similar name, our representatives dialed the telephone
number provided by the complainantOur representatives were unaware the telephone number being dialed was an invalid telephone numberUpon receipt of the complainant’s identified concerns on November 1, 2016, our systems were programmed to not dial this number in the futureWe appreciate the notification of this matter and apologize for any inconvenience.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third parties
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Just read this letter from my lawyer about what a hard time they gave her about getting the wage garnishment correctedCall and talk to her if necessary
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint # ***Our office received and reviewed the correspondence regarding the consumer and provides the following response:Records do not support harassment of any kindOur representative contacted
the debtor in an effort to help him resolve the account in our officeUpon being notified that the debtor was working with an attorney on the matter, our representative updated the account accordinglyOur company has requested proof of debt and will mail it to the debtor’s attorney upon receipt.Currently, the debtor’s account remains in our office in a delinquent status and is subject to federal offsets and Administrative Wage GarnishmentThe debtor has requested a cease and desist on all communications from our company; the account has been updated to honor this requestWe understand the client may be offsetting any federal income the debtor may be receiving; however, this does not constitute a voluntary arrangementWe encourage the debtor to rescind his cease and desist request and contact our office to determine what options are available to him to resolve the debt.We agree it is our responsibility to attempt to resolve debtor complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the debtor’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the debtor’s privacy, and non-public information from being viewed by third partiesIn addition there may be other federal and/or state privacy laws that apply to release of information regarding the debtor in questionTherefore, because of the possibility that the debtor’s complaint and our response may be publicly posted on the Revdex.com website; we have omitted all nonpublic, personal information regarding the debtor from our response
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowThough I appreciate that my number has been removed from this company's system, I disagree that there was not a harassing pattern to the callsMultiple calls in one day to a person who is not responsible for a debt trying to be collected is excessive (in one case, calls in one day spaced an hour apart)I am sure this is not just happening to me as family members continue to get calls sometimes multiple calls in a single hour periodI believe that these business practices are quite unsavory. Regards, *** ***
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to this inquiryWe received and reviewed the correspondence regarding the account and provide the following response: We have reviewed our business records related to complaint ID ***On June 25, 2017,
our client placed the consumer's account with our officeOur representatives attempted to contact the consumer via telephone and regular mailAfter attempts to reach the consumer failed, our representatives sought the consumer’s location informationOn August 8, 2017, the consumer contacted our office and was upsetOur representative explained why our office was trying to locate herThe consumer updated her current contact information and our representative documented the account accordinglyRegarding the consumer’s allegations of hacking, our office does not engage in such practices and maintains exceptionally high standards of compliance with state and federal laws when working with consumer non-public informationWe strictly adhere to requirements to protect individual privacyPer the consumer’s request we have placed a cease and desist on her accountThank you for providing our office with the opportunity to respondWe agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.comWe also understand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’s websiteBy posting this information on your website, we believe that the Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-public information from being viewed by third partiesThere may be federal and/or state privacy laws that apply to release of information regarding the consumer in questionTherefore, because of the possibility the complaint and our response may be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regarding the consumer from our responsePlease contact our office with any questions or requests for additional information
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am currently on disability and do not have an employer as this company states. Also, the hearing did take place and I received the results which also did NOT resolve the matter
Regards,
*** ***
I would like for them to work with me to lower my payment. I do not have a problem with paying my loan, but with the interest rate that they have me under, I will never be able to pay off the actual loan.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I am not totally satisfied with the response from Pioneer. I would like to have copies of all payments I have submitted to Pioneer, so I can forward to my current loan holder.
Regards,
[redacted]
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint #[redacted]. We received and reviewed the correspondence regarding the consumer and provide thefollowing response:On March 4, 2015, our client placed the consumer’s account with our office. Initial...
telephone contactwith the consumer occurred on August 5, 2015. Our representatives attempted to assist the consumerestablish voluntary resolution; however, the consumer did not commit during the conversation. As novoluntary resolution was established; the consumer’s account was processed for Administrative WageGarnishment.Our representative attempted to contact the consumer via telephone; however, were unable to reach her.However, contact with the consumer was not again established until May 12, 2016. During theconversation; the consumer expressed her desire to establish resolution through a consolidation; however,to date our office has not received the completed application.Upon review of the file, our records show our communication attempts to the consumer intended only toassist her enrollment in a federal program that may resolve this matter for her. The consumer may findthat communicating with our office under these circumstances provides specific benefits including thepossibility of suspending the Administrative Wage Garnishment after particular federal programrequirements are met.As a matter of explanation, calls are intended to maintain an open line of communication to aideconsumers in resolving their accounts and remain up-to-date on the status of their account’s; these callsare not intended to harass. Any communication intends to remind consumers of an obligation, help toavoid negative consequences, and inform consumers about options for resolution. Additionally, providedthe consumer grants us permission to communicate with her regarding the account via telephone, theconsumer may also call and speak with our office with any questions or concerns.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumed responsibilityfor protecting the consumer’s privacy, and non-public information from being viewed by thirdparties. Pursuant to section 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. §1692c(b), “without the prior express consent of the consumer given directly to the debt collector, or theexpress permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate in connection with the collection of anydebt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwisepermitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” In addition,there may be other federal and/or state privacy laws that apply to release of information regarding theconsumer in question. Therefore, because of the possibility that the consumers complaint and our responsemay be publicly posted on the Revdex.com website, we have omitted all nonpublic, personal information regardingthe consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond tocomplaint #[redacted]. We received and reviewed the correspondence regarding the consumerand provide the following response:On July 15, 2012, our client placed an account in our office in the consumer’s name. At...
the timeof placement, the consumer’s account was in an active wage garnishment status. At the time ofplacement, our representatives attempted to contact the consumer via regular mail and telephone;however, we were unable to reach her. To date, our office has not discussed the status of theaccount with the consumer. On December 14, 2015, our client sent written correspondence viaregular mail to the consumer providing her with the balance and payment history.The consumer may request a statement of account (as was previously provided to her) and mayalso be eligible for other options to resolve the account. The account is valid and remains in ouroffice in a defaulted status. We encourage the consumer to contact our office via telephone.We agree it is our responsibility to attempt to resolve consumer complaints presented to theRevdex.com. We also understand the Revdex.com may or may not publish the consumer’s complaint and ourresponses on the Revdex.com’s website. By posting this information on your website, we believe thatthe Revdex.com has assumed responsibility for protecting the consumer’s privacy, and non-publicinformation from being viewed by third parties. Pursuant to section 805(b) of the Fair DebtCollection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the prior express consent ofthe consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy,a debt collector may not communicate in connection with the collection of any debt, with anyperson other than the consumer, his attorney, a consumer reporting agency if otherwise permittedby law, the creditor, the attorney of the creditor, or the attorney of the debt collector.” Inaddition there may be other federal and/or state privacy laws that apply to release of informationregarding the consumer in question. Therefore, because of the possibility that the consumer’scomplaint and our response may be publicly posted on the Revdex.com website; we have omitted allnonpublic, personal information regarding the consumer from our response.
We thank the Revdex.com (Revdex.com) for the opportunity to investigate and respond to complaint ID[redacted]. We received and reviewed the correspondence from your office regarding the consumer andprovide the following response:On January 25, 2017, the consumer contacted our office and inquired...
why her balance was increasing whileshe was making payments. The consumer was made aware how her defaulted student loan balance increasedsubject to collection costs and interest in accordance with federal law. The consumer did not enroll inrepayment prior to the assessment of collection costs to her account and while those costs are not repeatedlycharged to the consumer, the charge allowable under the law is based on a formula, or statutory range,provided the amount does not exceed statutory specifications. On January 14, 2017, our client assessed costs atan amount permissible under 34 CFR 682.410(b)(2). Our client also previously mailed a notice to theconsumer that informed the consumer the maximum range, as well as the method of calculation for which suchcollection costs may be assessed. Our office will provide the consumer with a statement of account or paymenthistory upon her request.We do encourage the consumer to continue with the Federal Loan Rehabilitation Program. Please advise theconsumer to contact our office for any further assistance regarding her defaulted student loans.We agree it is our responsibility to attempt to resolve consumer complaints presented to the Revdex.com. We alsounderstand the Revdex.com may or may not publish the consumer’s complaint and our responses on the Revdex.com’swebsite. By posting this information on your website, we believe that the Revdex.com has assumed responsibility forprotecting the consumer’s privacy, and non-public information from being viewed by third parties. Pursuant tosection 805(b) of the Fair Debt Collection Practices Act (FDCPA) 15 U.S.C. § 1692c(b), “without the priorexpress consent of the consumer given directly to the debt collector, or the express permission of a court ofcompetent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collectormay not communicate in connection with the collection of any debt, with any person other than the consumer,his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor,or the attorney of the debt collector.” In addition, there may be other federal and/or state privacy laws that applyto release of information regarding the consumer in question. Therefore, because of the possibility that theconsumer’s complaint and our response may be publicly posted on the Revdex.com website, we have omitted allnonpublic, personal information regarding the consumer from our response.