Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a ************ **** ******** ***** service member being denied appropriate interest rate reductions under Pennsylvania title 51 section 7316 laws by Pioneer military credit I have supplied appropriate military orders and transfer order showing that I am a ************ **** ******** *****sman and I’m being denied because their claim is I am not a ************ **** ******** *****sman and have denied to further review my interest rate reduction as required by law.

  

  Business Response

  Date: 04/10/2025

  Pioneer
  Military Credit is in receipt of complaint ** ******** filed by **** ******* regarding the Pennsylvania provision regarding the Soldiers and Servicemembers
  Civil Relief Act (“SCRA”). Pioneer Military Credit LLC strives for the best in
  customer satisfaction and appreciates the opportunity to assist you.
  
  The SCRA allows
  a service member to request a creditor reduce the rate of interest to six
  percent (6%) only for financial obligations that were incurred prior to
  the service member entering military service.
  
  We have
  reviewed the Pennsylvania provision with our council and our response is in
  accordance with their guidance. Pennsylvania’s maximum rate of interest in 51
  Pa. C.S.A. § 7316 applies to members of the ************ ******** ***** and
  members of other reserve components who are called or ordered to active duty.
  Since you are neither a member of the ************ ******** ***** nor a member
  of another reserve component of the armed forces and were on active-duty status
  when you applied and received your loan, your account does not qualify for the
  maximum rate of interest under 51 Pa.C.S.A. § 7316.
  
  Pioneer
  Military Credit LLC thanks you for your service to our country. If you have any
  questions, please contact us at ************ or by email at ************************************ 
  

• Initial Complaint

  Date:12/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  As a member of the United States Army currently serving on Active Duty for the nearly 16 years in the key provision state of Louisiana I have respectfully requested as of August 2024 an application of SCRA benefits to Pioneer military lending using the state statute of Louisiana Universal Citation: LA Rev Stat § 29:312
  §312. Limits on creditor interest rates
  A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after June 29, 2005, shall charge or collect from a person, or spouse of a person, who is on active duty interest or finance charges exceeding six percent per annum during the period that the person is deployed on active duty.
  B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven.
  C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.
  I was informed we do not show a financial hardship and therefore do not qualify. As the statute reads we are required to meet a financial hardship just furnish military orders and written notice to which we have to no avail. We are requesting that appropriate consideration be given based on the state law and documents there provided. I am requesting that overage of interest in excess of 6% be applied towards the account and any additional fees that would invite a higher than 6% rate additionally be refunded.

  

  Business Response

  Date: 12/30/2024

  Pioneer Military Credit is in receipt of
  complaint ID ******** filed by Jason Stowell regarding the Louisiana provision
  of the Servicemembers’ Civil Relief Act. Pioneer Military Credit strives for
  the best in customer satisfaction and appreciates the opportunity to respond.  
  Louisiana’s version of the SCRA rate cap allows a service member
  to request a creditor reduce the rate of interest to six percent (6%) applies
  to “any retail installment sales contract, other contract for the purchase of
  goods or services, or bond, bill, note, or other instrument of writing for the
  payment of money arising out of the contract or other transaction for the
  purchase of goods or services.” LA Rev Stat § 29:311(3). As your loan with
  Pioneer Military Credit is a personal installment loan, your account does not
  qualify for the requested reduction in your interest rate.
  We trust the information provided is sufficient to close the
  complaint. If *** ******* has any additional questions or concerns, we invite
  him to contact us directly at *************

• Initial Complaint

  Date:07/23/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 23 July 2024, I sarted an application for a personal loan, the loan process is 4 stages (personal information; disclosure forms, decisions and loan). I completed the personal information, clicked continue and read the disclosure forms clicked continue No WHERES on the credit disclosure form does it staed "by clicking continue below you are authrizing Pioneer loan to pull a credit report') after considering the interest rate of 35.99% I decided not to continue the application and logged out the site. The merchant ran my personal information pulling a credit report without my permission. I called the merchant and spoke with ******** (Lending Manager) she stated that by me clicking on the Continue button to go to the next page that gave them authorization to process an ncomplete application for a loan and the pulling of my credit report. Spoke with Experian and they said the merchant has to remove themselves from my credit report inquiry record.

  

  Business Response

  Date: 07/24/2024

  Pioneer Military Credit is in receipt of complaint ID
  ******** filed by ****** ****** regarding the credit inquiry associated with
  her application. We strive for the best in customer satisfaction and appreciate
  the opportunity to respond.
  Please be advised Pioneer Military Credit accepts online
  applications from active-duty service members. As part of our application
  process, we provide applicants with all federal and state regulated lending
  disclosures, such as the Credit Pull Authorization, Terms of Use, and Privacy
  Policy Notices. This information is found on our Disclosure Agreements page
  which applicants must review prior to proceeding with the application.
  The Disclosure Agreements page of the application states: By
  clicking the “Continue” button below, I acknowledge I have reviewed and agreed
  to the following agreements, consents, and disclosures and that this shall
  constitute my signature.
  The Credit Pull Disclosure provided prior to the credit
  inquiry states: By providing your consent electronically, you authorize and are
  providing written instructions for Lender to check your credit and employment
  history.
  Upon receipt of the complaint, we completed a thorough
  review of the complainant’s application. The records reflect that on July 23,
  2024, at 7:00 AM, Pioneer Military Credit received the complainant’s electronic
  authorization to obtain a credit report. As such, the inquiry was authorized
  and permissible under the Fair Credit Reporting Act (“FCRA”).
  If there are any additional questions, please contact us
  directly at ###-###-####. We are available Monday – Friday between the hours of
  08:00 AM – 05:00 PM Central Time. 

  

  Business Response

  Date: 07/25/2024

  Pioneer Military Credit is in receipt of Ms. ******’s
  rebuttal to the response we issued for complaint ID ********. We strive for the
  best in customer satisfaction and appreciate the opportunity to respond.
  As stated in our original response, as part of our
  application process, we provide applicants with all federal and state regulated
  lending disclosures, such as the Credit Pull Authorization, Terms of Use, and
  Privacy Policy Notices. This information is found on our Disclosure Agreements
  page which states that by clicking “Continue” the applicant is authorizing
  Pioneer Military Credit to obtain a credit report.
  We understand that Ms. ****** disagrees; however, she
  acknowledges that she not only read the disclosures, but she also clicked
  “Continue” on her application. As such, the inquiry was authorized by Ms. ****** and is permissible under the Fair Credit Reporting Act (“FCRA”).
  Per Ms. ******’s request, we have attached a copy of the
  Credit Pull Authorization disclosure and an image of our Disclosure Agreement
  page.
  If there are any additional questions, please contact us
  directly at ###-###-####. We are available Monday – Friday between the hours of
  08:00 AM – 05:00 PM Central Time. 

  Customer Answer

  Date: 07/29/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:07/19/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The Servicemembers Civil Relief Act (SCRA) caps personal loans and credit APR at 36%
  Pioneer "Military" finacial has their loans at 35.98%. The fact they use the term Military in their name is disrespectful to the men and women who serve.
  They have with both myself and Soldiers under me tried to lend money at these ridiculous rates and then put the intrest at 35.98%, they don't even try to hide that they are trying to utilize the system to their advantage.
  Luckily for us in the Military they are blacklisted and they are not at all endorsed or recognized by the Federal Government, State Guards, or the DOD at all.
  
  This company are sharks that prey on our enlisted service members and will in every way try to strong arm you if you miss a payment. I've had Soldiers receive emails where they threaten court action.
  This type of company has no buisness attempting to align itself with the Military or try to talk about how they are trying to help service members out.
  
  Although this review won't stop them as they have plenty of other reviews explaining how disrespectful this company is. I hope it helps someone who would read this not go into buisness with them.

  

  Business Response

  Date: 07/22/2024

  Pioneer Military Credit is in receipt of complaint ID
  ******** filed by ****** ******** regarding our lending practices. We strive
  for the best in customer satisfaction and appreciate the opportunity to
  respond.
  Upon receipt of the complaint, Pioneer Military Credit completed
  a thorough review of our loan system and was unable to find any record of the
  complainant in our system with either an application for credit or opened loan
  and the allegations regarding our business practices are false.
  Pioneer Military Credit provides personal installment loans
  to active-duty military and our interest rates fully comply with the Military
  Lending Act (“MLA”) which caps the interest rate at 36%. Any request made from
  customers under the Servicemembers Civil Relief (“SCRA”) interest rate
  reduction are reviewed on an individual basis.
  We do not claim to be endorsed by or affiliated with the
  department of defense and are very clear in our advertising and ongoing
  communication with customers to note that no military endorsement is implied.
  With regard to missed payments, Pioneer Military Credit
  fully complies with the Fair Debt Collection Practices Act (“FDCPA”) and will
  always attempt to work with servicemembers to resolve any delinquency. Pioneer
  Military Credit does not threaten legal action in any form of communication,
  verbal or in writing, with our customers.
  We trust the information provided is sufficient to close the
  complaint. If Mr. Richmond has any questions, we invite him to contact us
  directly at ###-###-#### or visit our website.

• Initial Complaint

  Date:06/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 13 June I received an email from the company stating my account is past due stating the will report me to the credit bureaus. 21 May I contacted the company to change my payment date as my pay date changed. I was sent an email stating that my date would be changed. I have since contacted the company speaking to a phone representative but was told that the payment date was not changed and will not be changed.

  Customer Answer

  Date: 06/24/2024

  I am not sure what more information could be required or what template still writing consist of. The Complaint is written in collegiate formate with the dates written in military format as I am an active duty service member. I am not a business or third person, but a federal employee.  

  

  Business Response

  Date: 07/12/2024

  Please see the attached letter.