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This company claims to be all about helping soldiers. Not. I was being medically discharged from the army after 19 years service and trying to get my financial affairs in order. After six attempts to contact Pioneer Lending by both phone and email, someone called me and told me that a loan specialist would call and could help me make alternate payment arrangements. The next day, a rude, ignorant female bill collector called from Pioneer and threatened to destroy my credit if I couldn't pay as agreed ($240 a month for six years on a $4000 loan). They didn't care that I was disabled and that my only income would be a small disability pension. This awful company continues to lure soldiers into taking out loans that have exorbitant interest rates and then refusing to help them when they run into problems. They should be barred from making loans to military personnel.
I'm an E-4 in the Marines, and I've yet to have a problem with Pioneer. I made some bad decisions as a young Devil Dog, and have been using Pioneer since 2005. Sure, they have outragous interest rates, but all it takes is WILL POWER.
How i view it:
If your looking at pioneer, you must have credit problems. The interest rate is the price you pay for getting the money you need. Pioneer didn't cause your credit problems.
You start an allotment and forget about it. If you miss a payment, man up and pay it back... YOU signed for the loan. Pioneer didnt force you to do anything.
I've had 3, and successfully paid all 3, early, never missing a payment.
Everyone is just butthurt that THEY messed up and a Company called them out on it.
I think irresponsible Military members shouldnt be helped if they will turn around and throw it in their face.
Sounds like someone paid you to say this [censored]
Sounds like Truth101 is a Pioneer employee. Sounds exactly like them actually. I had a case similar to the original post. I just got out of the military (was forced out on a parenthood discharge after 10 years by the way) and am 70% disabled. My pay was reduced to a small $1500 a month and, if I go along with the law of disability and receiving such benefits, I am extremely limited on what I can do for work. I even took out insurance on my loan for such a case. Low and behold, I "just don't want to pay my bills when someone was generous enough to loan me money" because I am taking them up on the insurance "offer" (which I paid for) that is obviously just there for show. Truth101, people don't take out loans because their lives are easy and preying on young financially ignorant kids or single parents and then yelling at them or cussing them out when things get rough is not an honorable business. If it helps you sleep at night, that's ok...keep saying that, but it's still wrong. They have denied every request (10 of them IN writing) for publications or manuals on the handling of loan cases pending insurance. I was told one thing by a nice gentleman trying to help (well nicer than everyone else) and something different by and extremely rude woman who can't speak proper english and blames me for not being able to understand her. So now that I ask for it to be cleared up in plain, legible english, I am being ignored and treated even worse. Call those people generous if you will but it's far from it.
They are the worse. My son got a loan from them and has been attempting to pay it off. It is like hitting a moving target. You give them the payoff amount that they state on their website only to find it didn't pay it all off after all. For a two year loan he has paid back 2 + times the laon amount to date. Each time he pays it off they come back and say there is still an amount left to pay. Tried to get a statement with all interest, penalties, payments and balances over the life of this loan. To no avail. I wrote my Congressman to try and get these people to do the right thing. Suggest you do the same.
I am looking into getting a 10, 000 dollar loan from them to purchase a car. As far as the last commenter said I do understand that I am walking into Pioneer Loans, and not Pioneer Hand-outs. I am recieving about $5K in the next ten days or so for travel pay, and dity move pay, etc. and another $7, 500 in Feb. for the next installment of my bonus. Does anyone know what the interest rate will be if i plan on having this loan completely paid off in the next 6 months?
So let me get this straight. You all didn't have the money to pay your bills, so you found a business that was willing to "help" you out during your hardship. Now that it is time to repay them you feel that it is not neccesary to repay them in a timely manner. A timely manner that you had agreed on when you walked into their business of your own free will. You might need to expound on the whole luring process. Did they offer the pot at the end of the rainbow? Maybe they told you that they will you loan you the money to purchase a cash tree. It sounds like you all were looking for Pioneer Hand-outs and ended up at Pioneer Loans.
I bought insurance on my LOAN in case anything happened to me I didnt want my family to be effected. I borrowed to get furniture for my home and figured it wouldnt matter as I was reenlisting in 6 months so whats the harm. I could just pay it off then. But as luck would have it I was injured in Afghanistan. Then medically boarded for the Army. They extended my active duty status and kept me ineligible for reenlistment at the same time during the 1 year boarding process. Finally after the 1 year I was given 70 percent medical retirement and had to give up my home. So all savings I had went to moving me and my family. I got a travel allotment that paid a portion but not all as I had to make trips from Georgia to Oklahoma. With a broken lower back I had to hire MOVERS that the army doesnt cover. Then a deposit on a new home and everything else to get started. Between physical inability to work a decent job and severe PTSD limiting me I couldn't afford my payments. I called and sent in for the insurance claim but it didn't happen. Instead after calling, the next month Pioneer hired a lawyer to sue me for the LOAN. Now my credit is hurting, my family and friends can see my public case of indebtedness and I have to get a lawyer somehow. I matched all the criteria I had purchased the insurance for in the first place but it didnt matter. They just said since I was unable to make the payment I had forfeited my rights to anything within the LOAN basically. I hate this company now. They have ruined such a huge part of my life, even when I did all I could to be certain nothing could ever happen. I cant stand the idea that others will use them and go through this. I hope to hell someone fixes this. As for your poor understanding of peoples lives, you can go to hell too [censor]. TRUTH 102 feel free to come visit in Oklahoma and we can discuss your trolling [censor] in person you [censor] [censor].
I also agree, my husband is an E5 in the Army and we took out a loan for $2, 000 and what we didn't realize is that the interest rate is about 40%! We are now paying over $800 in just INTEREST rates. We got a few emails about 2 months ago that we had not been paying our bills even though we set up automatic payments and I knew it was impossible that we missed a payment. They were very rude when I called until I told them I had proof that the loan had been paid. We will never go through them again.
I agree 100%. Pioneer Military Loan Company representatives are the rudest I have ever dealt with. A extremely rude man called me left threatening, insulting messages on my voicemail. When I contacted him...he began screaming, yelling and even resorting to commenting about my children.
When I questioned his Customer Service skills...he stated you don't get customer service when you are late. When I tried to discuss some issues with him...he simply said "have you made a payment" and continue to ask the same question. He would not answer any of my questions or address any of my concerns. I then asked to speak to his supervisor...he refused to do so. Well I hung up called someone else, she was rude as well, but she did transfer me to the supervisor...Well then I understood why the representatives were rude. The "Climate" at that office was t be rude. I can't wait to pay this loan off and would not recommend doing busy with Pioneer Military Loans.
I agree 100%. Im an E-6 in the Army ive been taking out loans from pioneer since Feb2005. I payed of three I never been late. I went threw some hard times in Nov08. I called to see if they can work with me they said no pay your bill. I started recieving harrasing phone calls and emails i even got threatned that i was going to get sued and my income tax this year was going to be withheld. I was also told i was a sorry human being for not paying my bill. as wellas comments saying you owe me money and you better pay. I already made a complaint with the BBB in Kansas and sent a email showing proof of there threatning letters to there head office no response that was 4 days ago. In my oppinion they should be offered the luxury of working with service members