BBB Business Review

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BBB Accredited Business since

Pioneer Credit Recovery, Inc.

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Phone: (585) 492-1234 Fax: (585) 492-3484 View Additional Phone Numbers 26 Edward St, Arcade, NY 14009

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This company offers a spectrum of debt collection services for all levels of government. 

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Pioneer Credit Recovery, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Pioneer Credit Recovery, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 225 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

225 complaints closed with BBB in last 3 years | 39 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 30
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 195
Total Closed Complaints 225

Additional Complaint Information

BBB reached out to the business with concerns about the Department Of Education cancelling their contract with Pioneer Credit Recovery and stating the reasons for that cancellation were due to collection agencies who  “weren’t engaging in fair and straightforward practices in compliance with Federal and State laws”.  All accredited businesses are held to a higher standard and we requested that Pioneer respond to the statement made by the Department Of Education.  The business did respond.  Please see a portion of that response below:


The Department's contract with the private collection agencies formally expired in the fall of 2014.  Since that time, the Department has been allowing the collection agencies, including Pioneer, to continue to perform collection services on a month to month basis.  While we were disappointed to hear we would not be receiving a new monthly extension or account placements, the Department's decision in no way impacts our standing with the Department on our eligibility to be selected for the upcoming contract.  This was communicated by the Department directly to our management team.  With regards to any concerns noted by the Department publicly released statements, unfortunately, we have been provided little information and no specific details as to the Department's concerns.  Pioneer has a long track record of assisting individuals who default on their student loan payments to recover from the negative consequences of default.  Since 2012, Pioneer has helped more than 54,000 borrowers in default to rehabilitate their loans. Consistent with our commitment to customer success, we are dedicated to providing high-quality service to our borrowers.



Customer Reviews Summary Read customer reviews

6 Customer Reviews on Pioneer Credit Recovery, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 6
Total Customer Reviews 6

Additional Information

BBB file opened: March 01, 1988 Business started: 07/01/1985 in DE Business started locally: 07/01/1985 Business incorporated 12/18/2001 in DE
Type of Entity


Business Management
Mr. Jeff Mersmann, President Ms. Caryn Benton, Assistant Secretary Ms. Kimberly Harloff, Director Mr. Michael Schneider, Senior Complaint Handling Specialist
Contact Information
Principal: Mr. Jeff Mersmann, President
Customer Contact: Mr. Michael Schneider, Senior Complaint Handling Specialist
Business Category


Alternate Business Names
PCR Inc.
Industry Tips
Credit Credit Reports Debt Collection

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.