• Report: #590837

Complaint Review: Pioneer Military Lending

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  • Submitted: Thu, April 08, 2010
  • Updated: Thu, October 31, 2013

  • Reported By: Will — Kandahar Other United States of America
Pioneer Military Lending
3240 E Tropicana Las Vegas, NV 89121 Internet United States of America

Pioneer Military Lending Pioneer Military Lending Pioneer, Military, Lending Internet

*General Comment: I wanted to do business with Pioneer

*General Comment: pioneer lending predators

*Consumer Comment: Pioneer

*REBUTTAL Owner of company: Response to Veteran

*Consumer Comment: I Am a Veteran Trying to Start His Own Business

*UPDATE Employee: Response to Request for Allotment Instructions

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I put my last contacts with Pioneer in this e-mail.  Over the last few months I've asked them to provide me with the information to set up an allotment from my paycheck to pay them.  They have refused to give me this info.  Therefore I do not feel confident in giving them any other payment information.  The e-mail conversation below starts from the bottom and ends at the top.

I'm deployed in Afghanistan and I have limited e-mail access. I'm an infantryman serving in Kandahar.  I had to change my bank account because there were some problems with some wrongful deductions.  When I asked pioneer the information to set up another automatic payment they refused.  I was willing to pay the late fees but they keep stacking them on.  Now they want more "personal" information from me to pay them.  As they will only accept a credit card or check to pay.  I sent them a copy of my deployment orders and they said I was "playing" with them.  I just want to pay them.  This is still ongoing, and if anyone could help me out that would be much appreciated.

--start e-mail correspondance with the company below--

 

Thank you for saying I'm playing around.  I just want to set up my allotment to you guys.  Thank you for getting extremely rude with me and threatening me about security clearances.  I did change my bank account information.  That is why I want to set up and allotment instead of having it come from my bank account so that can't happen again.  I've asked numerous times for the information to set up an allotment and you won't give it to me.  So I think you guys are actually playing around with me.  Thanks for helping a deployed soldier out.  Give me the info to set up an allotment.

----- Original Message -----
From: Date: Wednesday, April 7, 2010 17:51
Subject: RE: RE: RE: Private Correspondence: Your attention is required
To:

We just spoke with you through email last month. Your email stated that you accidentally changed your bank account "stuff" in the past without notifying us. You said you were hard to get in touch with because you are deployed and asked what you needed to do at that time to get back on track. You stated that you were interested in paying us and have no intentions of issues and that it was mistake on your part. That emailed was received around the 23rd of last month, what has changed? You emailed the same thing on March 3rd and February 2nd. You are obviously playing around sir, and this is not a game. If we do not get an arrangement soon further processing will begin and this will continue to show as a refusal to pay by a service member. If you have security clearance, you should be aware this may affect you. All I need is the check information and a date of when you can pay the $269.00 (considering that your past due amount is over $1,000 and that is the amount that we could be demanding) and then I can send the allotment information.

-----Original Message-----
From:
Sent: Wednesday, April 07, 2010 6:30 AM
To: Yacine Brown
Subject: Re: RE: RE: Private Correspondence: Your attention is required

I need the allotment information first of all.  Second I'm still deployed and won't have internet access soon to take care of this.  I also feel it is unfair to charge me so many late fees when I was unable to access internet for so long.  When will someone work with me on that?

----- Original Message -----
From:
Date: Wednesday, April 7, 2010 3:51
Subject: RE: RE: Private Correspondence: Your attention is required
To:

>
> I can send the allotment information to you but we need to discuss
> the payment of $269.00. What day will the funds be available for
> that payment? The late charges are $25.00 each.
>
> -----Original Message-----
> From:
> [
> Sent: Tuesday, April 06, 2010 6:04 PM
> To:
> Subject: Re: RE: Private Correspondence: Your attention is required
>
> How do I set up the allotment?  How much are my late fees?
>
> ----- Original Message -----
> From: > Date: Tuesday, April 6, 2010 17:47
> Subject: RE: Private Correspondence: Your attention is required
> To: ">
>
> >
> > Unfortunately, I can not waive all the late fees. Your account is
> > currently showing as a refusal to pay by a service member because
> > a payment has not been made since December 1st and your past due
> > amount is $1,075.96. I am willing to work with you to get this
> > back on track. Further processing could begin any day now, and as
> > long as you can guarantee a payment of $269.00, your account will
> > be back in a current state and you can pay the remaining balance
> > with allotment or check payments. When will you be making the payment?
> >
> > -----Original Message-----
> > From: > > [> > Sent: Tuesday, April 06, 2010 1:20 AM
> > To: Yacine Brown
> > Subject: Re: Private Correspondence: Your attention is required
> >
> > Any late charges I request to have removed as I have deployed.  I
> > am supplying a copy of my deployment orders and plan to continue
> > payments as soon as my banking situation is fixed.  I had to
> > switch banks due to problems with family.  I did not have access
> > to internet often enough to fix the problem.
> >
> > ----- Original Message -----
> > From: > > Date: Monday, April 5, 2010 19:38
> > Subject: Private Correspondence: Your attention is required
> > To:
> >
> >
> > >
> > >                             04/05/2010
> > >
> > >
> > > RE: Defaulted Arrangement
> > >    Account Number     2912026
> > >    Past Due Amount    $1,075.96
> > >    Account Balance    $5,757.79
> > >    Balance does not include accumulated late charges or interest
> > due.>
> > >
> > > In our most recent conversation you committed to make a payment
> > in
> > > the amount of 5,757.79 by 04/02/2010.
> > >
> > > As of the date of this letter your payment has not been received.
> > > It is imperative that when arrangements are made on a loan that is
> > > in a default status that the arrangements are fulfilled.  When
> > > arrangements are not kept we are compelled to exercise our
> > > acceleration rights as stated in the terms and conditions of the
> > > contract and declare your balance due in full.
> > >
> > > To resolve this matter on a voluntary basis you must contact this
> > > office within 48 hours to avoid further collection activity.
> > >
> > > Call 800-538-4233 ext. 2271 to resolve this matter
> > > immediately.
> > >
> > > Respectfully,
> > >
> > > Ms. Yacine Brown


This report was posted on Ripoff Report on 04/08/2010 07:18 AM and is a permanent record located here: http://www.ripoffreport.com/r/Pioneer-Military-Lending/internet/Pioneer-Military-Lending-Pioneer-Military-Lending-Pioneer-Military-Lending-Internet-590837. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 1Employee/Owner
Updates & Rebuttals

#1 General Comment

I wanted to do business with Pioneer

AUTHOR: Richard - ()

I wanted to do business with Pioneer Lending but after reading all the complaints and the rude emails sent to our soldiers while in combat makes me I'll. Pioneer never even bent over backwards 1 degree to help this poor guy with a military clearance. They never even thanked him for his service. I will take my business elsewhere. It's not only ripoff report.com that has complaints, it's multiple web sites that have poor reviews. It sounds like payday lending practices when they advertise military lending. I would like to see them prove me wrong and email me if they want my business. Semper Fi, Richard.

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#2 General Comment

pioneer lending predators

AUTHOR: the motivator - ()

To karen 

I tried to call the number that you provided in your defense and it goes straight to voice mail.  However I notice on your contract that the rules that apply to your well say business fall under nevada law so im sure in defense you have casino style lawyers to protect your rear ends. In any case. Your methods is clear, while these kids are protecting your country to make a honest living, your practice has realized that they do not have the time to properly manage, and you clearly capitalize on this.  This is a way to put it! Ther is a man standing in front of you trying to protect you and the only thing you and people like you can think to do is find a way to steel his wallet out his back pocket. Karen If you are who you say you are I hope that you sit back in your chair and listen to your environment and realize that when these young kids are giving all they got to stay alive and when you operate this way it mentally takes them out of the fight and in that second it could cost them there life. Whos side are you guys on Karen.  Dont be a financial terrorist and target a new market. (Let the patriots keep their mindset)

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#3 Consumer Comment

Pioneer

AUTHOR: aminus212 - (United States of America)

To any and all, Pioneer is not to be trusted. I have had 4 seperate loans through this company and have paid every single one of my payments on time. My parents put all their accounts in my name as a child, so when I reached legal age, I was already in debt. Pioneer gave me a loan when no one else would. Unfortunately I was too young and dumb to understand just what I was getting myself into. Everything involving this company spells out loan shark. At 36%, the interest rate is beyond unreasonable for a company claiming to support those in uniform. I had the bad practice of never looking at my billing statements, and once I did, the numbers pissed me off. I had a $276 allotment with this company, and of that money only $129 dollars went towards the principal of the loan, the rest was towards interest payments. I addition, I pulled my credit report and it should that I owed them over $12,000 on a $6,000 loan. How is that even possible? When I called and spoke to a customer service agent, I asked how could they report that I owe twice as much as I did and put that the account was in high balance, and I was told that they report my balance as how much I would owe if I made minimum payments and that according to them, the account was in high balance. That conversation took place two weeks ago, since then, I have cancelled my allotment, and have paid back nearly all of the $6000 on listed as my payoff amount. I would not recommend this company to anyone and warn all young members of the military to learn from my mistakes and stay away. For anyone who wishes to explore this claim further, I would gladly show you my monthly statements with my personal information ommitted so that you may see just how bad this company really will screw you over. To be honest, I have no hard feelings with Pioneer, and it's nothing personal. I just want to let people know what they're getting themselves into.
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#4 REBUTTAL Owner of company

Response to Veteran

AUTHOR: Karen - (United States of America)

 My name is Karen and I am a corporate officer of Pioneer Services. I would encourage you to contact Justin Heath our Collection Manager at 816-448-2247 to get these issues resolved.

Im confident there is something we can do to assist you, and hope that you will take this opportunity we are providing to get these outstanding matters resolved.

Karen
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#5 Consumer Comment

I Am a Veteran Trying to Start His Own Business

AUTHOR: bistraung - (United States of America)

I took a loan out with Pioneer Military Lending in the early 2000s.  I was in the US Navy.  I thought I set up an allotment from my paycheck so I could automatically pay off my loan.  Anyway, time passed by.  I left the military.  I went to school.  I got married.  I graduated.  My father passed away so I had to move from Massachusetts to Georgia.  I got these low paying jobs because none of the hospitals and universities would hire me.  Now I'm stuck in a low-paying job, so I decided the only way I can make a decent living is to start my own business.  I checked my credit report and Pioneer was on there.  I filed a dispute with the credit agencies and the next thing I know I'm receiving collection letters from Pioneer.

I consider the fact that I could be wrong.  Maybe I meant to set up an allotment and didn't.  So I sent them a letter explaining that I would apply for a debt consolidation loan.  I applied for two.  They were both denied.  In the letter I also offered to pay on a monthly basis.  

They sent me a letter threatening legal action against me.

I just want to pay them, but I don't have CD's, stocks, and bonds.  All I have are bils and the only thing I could pay them is $50 every 2 weeks.  I'm thinking about just sending in the payments automatically.  I mean, what are they going to do, send them back to me?

Oh yeah, the purpose of the letter I sent them was a plea to "Pay to Delete" the information off my credit report.  I don't know what to do.
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#6 UPDATE Employee

Response to Request for Allotment Instructions

AUTHOR: Karen - (United States of America)

Will

 

My name is Karen and I am a corporate officer with Pioneer Services. I just came across your report submission posted today and wanted to get back to you immediately. While Im still gathering information on your situation, I want to ensure you that our company and its associates our wholly committed to helping service members and military families with all of their financial services needs, and work to do so in a professional, courteous, and respectful manner.

 

Weve been doing so for more than 20 years, and have served more than 1.4 million persons (more than coming from referrals) so I must first apologize if you feel you were treated rudely.

 

From the e-mail string you posted, it appears that you are a number of months behind on loan payments, which youve indicated is the result of you switching banks in recent months.

 

While one of our customer services reps will be better suited in getting this situation resolved for you, I did want to provide you the allotment information you requested. This will allow you to set up an allotment to Pioneer Services with your new bank. Id just ask that you e-mail back the confirmation page at the completion of the set-up.

 

I do, however, want to caution you that setting up a new allotment without resolving the payments you have indicated were not made doesnt address the actual default on your account, it will just address payments going forward.  Unless these missed payments can be addressed, your  account will remain in its past due status, meaning it will be subject to late fees and interest per your contract.  Over time, this type of thing could affect your credit score, and I presume that is why our representative didnt simply want to provide allotment directions, without conveying to you the importance of trying to get caught up on any missed monthly payments.

 

Understanding your deployment status, there are several payment options that are available to help with this, including the following:

          Western Union Quick Collect

          Debit / Credit Card payments utilizing http://www.pioneerservices.com MyAccount access.

          EFT Electronic Funds Transfer using your bank accounts routing number and account number.

 

I hope the allotment information assists you in getting that process set up. I would strongly encourage you to contact Sr. Manager, Stan Gomez  to get these other issues resolved. Im confident there is something we can do to assist you, and hope that you will take this opportunity we are providing to get these outstanding matters resolved.

 

Pioneer Services values you as a customer and appreciates your continued service and sacrifice.

 

Sincerely,

 

Karen  

 

Allotment Directions:

    1.  Go to www.mypay.gov.

    2.  Select ALLOTMENTS.

    3.  Select START NEW ALLOTMENTS.

    4.  Select SAVINGS ALLOTMENT.

    5.  Input ROUTING/TRANSIT # 083901825.

    6.  Input NAME OF BANK: FIRST CITIZENS BANK, KY.

    7.  Input ACCOUNT NUMBER, this is your Social Security number.

    8.  Select SAVINGS ACCOUNT.

    9.  Input 270.99 - This amount reflects payment plus $2 bank processing fee.

    10. Select SUBMIT.

 

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