Penn Credit Corporation

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:It is true I had sent a letter of settlement just to take this off my credit reports ( see attachement) , I in no way stated the debt was mine, I quote from the fax sent (attached) " Its not to be construed as a acknowledgement of liablity shown, it simply was in the spirit of compromise to have it removed from my reportI have not received anything back from the fax from your company, but you did acknowledge below that you had received it dated 6/16/According to the Fair Debt Collection Practices Act(FDCPA), [USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with youThis debt is not valid, nor will be paidThis should be removed from all reports since its invalid Regards, [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I did not receive anything in the mail like they statePlease show proof of what you sentAnd why do I have to call and talk to when when I asked you to validate this debt and you have failed to do so? Regards, [redacted]

March 7, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Penn Credit takes pride in following all Federal and State Collection calls Penn Credit was notified we were attempting to contact an incorrect phone number for an account listed under [redacted] on 2/11/ The phone number was removed the same day We are not showing we have ever received a phone call from *** [redacted] providing her updated contact information on the account we were attempting to reach her Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

I did review and investigate the complaint Penn Credit was calling a wrong phone number without prior knowledge and blocked the phone number from receiving additional calls upon receipt of the complaint Additionally, Penn Credit does offer consumer a wrong number “OPT OUT” option upon use will stop all additional calls immediately Penn Credit apologizes for the inconvenience and if Mr [redacted] would like to discuss the matter further please have him contact Thomas P [redacted] toll free at ###-###-#### or email me at [redacted] Thank you for your assistance in the resolution of this matter

March 14, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] I have requested another statement to be mailed to *** She should receive the notice shortly Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

August 23, Roman"> Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Penn Credit takes pride in following all Federal and State Collection calls [redacted] notified Penn Credit we were calling an incorrect phone number on 8/8/2014, after being notified the phone number in questions was incorrect we removed the phone number from our database I am not showing any additional phone calls being made after 8/8/ Thank you for your assistance in the resolution of this matter Sincerely, Timothy F [redacted] Collections Manager

OLE_LINK2">April 30, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Penn Credit takes pride in following all Federal and State Collection calls The State of Maryland Comptroller placed an outstanding balance in our office for collection on 4/14/in reference to the tax year of The required validation notice was mailed to *** [redacted] on 4/15/ Below is the breakdown of the tax amount due Tax amount due = $ Interest amount due = $ Penalty amount due = $ Total amount due as of 4/29/= $ I have requested our client provide additional details on the outstanding balance so we can forward to *** [redacted] After reviewing the conversation *** [redacted] moved into the State of Maryland on October 19, I would suggest *** [redacted] contact the State of Maryland Comptroller’s office to determine what her next step would be to resolve or dispute the outstanding tax amount Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me However I do believe that this issue could have been avoided if 1) they would provide a receipt/confirmation of pending transaction - they do not, 2) provide a receipt when payment is posted, they say I have to wait days from payment before I can even call back for a letter stating that payment has been made and finally, 3) unfortunately they failed to mention that the deduction were split into different days, which caused the confusion in the first place and I did not know or agreed to two payments, I should have been notified of the mistake on their end and asked to authorize another deduction Regards,

August 10, Roman"> Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Penn Credit takes pride in following all Federal and State Collection calls Please be advised we were notified on August 6, for the first time we were calling an incorrect phone number The agent removed the phone number from our database, and no further phone calls have been made to the number in question Thank you for your assistance in the resolution of this matter Sincerely, Timothy F [redacted] Collections Manager

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: I would like more clarity on the following two points: How did Penn Credit have my phone number in their system to begin with, considering this phone number has been on the Do Not Call list since Is it legal to robo call numbers for which you have no prior relationship over debt collection? Regards, [redacted] ***

Penn Credit did review and investigate the complaint Please advise [redacted] that the City of [redacted] , FL notified Penn Credit on March 9, that the account referenced in this complaint was paid in full I was able to confirm that [redacted] was told by the original creditor that the account would be removed from their credit report Due to this, Penn Credit sent deletion notification to the credit bureaus on May 3, Please advise [redacted] that it may take up to twenty-one days for these changes to reflect on the credit bureau reports Penn Credit apologizes for any inconvenience this may have caused [redacted] *** Please notify [redacted] to contact me directly should they have any questions or concerns My direct line is [redacted] extension ***, or she can email me at [redacted] @pennCredit.com Thank you for your help in resolving this matter

Penn Credit did review and investigate the complaintPlease advise [redacted] that he had several opportunities to contact Penn Credit and/or the legal firm to dispute or request an explanation of the accountPenn Credit sent out a validation notice to [redacted] and two additional notices without a response from [redacted] Addtiionally, the attorney firm sent a notice for [redacted] to appear in court on June 27, I am not sure if he appeared or notAfter the hearing the court would of sent [redacted] their decision [redacted] was afforded several opportunities to inquire about the debt owed Cook County Department of Revenue and according to our records did notIf [redacted] would like to discuss the matter further or pay the amount owed in the paperwork received from the court please have him contact Thomas P [redacted] directly toll free ###-###-#### or email him at [redacted] @penncreditcomIf he has any additional questions or concernsThank you for your assistance in resolving this matter

OLE_LINK2">May 5, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Penn Credit takes pride in following all Federal and State Collection calls Our client [redacted] placed an account in our office on 5/08/in the amount of $for services they provided ** [redacted] We spoke to ** [redacted] on 5/25/where he agreed to provide a letter of dispute with documentation to support his dispute As of today we have not received anything from him We recently located a new phone number for ** [redacted] and have attempted to contact him about the balance our client feels is still due Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

Penn Credit did review and investigate the complaint Please advise [redacted] that according to our records, the account referenced in this complaint was paid in full on March 1, Penn Credit confirms that paid in full notification was sent to the credit bureaus to reflect a zero balance Penn Credit will not delete this account from the credit bureaus as we are required to remain in accordance with the Fair Credit Reporting Act Per the Fair Credit Reporting Act, Penn Credit is obligated to report true and accurate information, as a result, the account will continue to reflect a zero balance with the credit reporting agencies [redacted] was advised of this upon agreeing to pay this account in full on March 1, Please have [redacted] contact me directly should she have any questions or concerns My direct line is [redacted] or she can email me at [redacted] Thank you for your help in resolving this matter

Penn Credit did review and investigate the complaintI have answered Mr [redacted] concern’s in the attorney general response dated June 10, (Below) On June 29, I did forward Mr [redacted] validation directly to the original creditor and placed the account in a disputed status Additionally Penn Credit deleted the credit reporting on June 11, and will be updated if [redacted] Hospital provides Mr [redacted] validation of the debt and states it owed Penn Credit has ceased all collection activity until [redacted] Hospital has returned the results of the investigation back to Penn CreditIf Penn Credit does not receive a response by August 29, we will close and return the account due to a lack of response --------------------------------------------------------------------------------...⇄ Email: [redacted] June 10, Commonwealth of Pennsylvania Office of the Attorney General Bureau of Consumer Protection [redacted] State College, PA Attention: [redacted] RE: [redacted] , Saul [redacted] Dear Mr [redacted] : Penn Credit Corporation hasn’t violated any collection laws at the state or federal level I reviewed and investigated the complaintI understand that Mr [redacted] is disputing the debts stating insurance should have paid them and that he provided insurance information twice in order to have paid Please advise Mr***, that we have never communicated with him in reference to the account(s) placed in our office according to our records Additionally, these may be co-pays or self pay accountsI would like Mr [redacted] to review his Explanation of Benefits (EOB) for the service dates of 11/26/& 10/24/ If Mr [redacted] reviews and still feels he does not owe the money, please advise him to send the documentation supporting his claim and then I will forward to the hospital for review and proper credited if deemed correct If Mr [redacted] would like to discuss the matter further please have him contact me directly toll free at ###-###-#### or email me at [redacted] Thank you for your help in resolving this matterSincerely;

Penn Credit reviewed and investigated the complaint.Please be advised that Penn Credit contacted the original creditor for payment verification The original creditor advised the balance was outstandingHowever, after further correspondence, the original creditor agreed to write off the balance for account number [redacted] due to the age of the account.The account was closed from Penn Credit on September 7, 2017.Please notify Mr [redacted] to contact me directly should he have any questions or concernsMy direct line is ###-###-####, or he can email me at [redacted]

Penn Credit did review and investigate the complaintPenn Credit was calling a wrong number and apologizes for the inconvenience Penn Credit does have a wrong number “OPT OUT” option that can be used to help all consumers from receiving wrong number callsWe include this option because we do not want to call or inconvenience consumersThe phone number was flagged on 10/24/as a wrong number [redacted] will not receive any additional calls, if he would like to discuss the matter further please have him contact Thomas P [redacted] directly toll free ###-###-#### or email him at [redacted] @penncreditcom if he should receive any additional callsThank you for your help in theresolution of this matter

Penn Credit reviewed and investigated the complaint Please be advised that Penn Credit located [redacted] ***’ phone number in our data base and has determined that we were calling a wrong phone number Penn Credit has removed the wrong phone number and appreciates [redacted] bringing this issue to our attentionPenn Credit apologizes any inconvenience this may have caused [redacted] won’t receive further communication regarding the matter Penn Credit does offer an “opt out” option when a wrong phone number is called This function removes the wrong phone number and prevents sensitive information from being disclosed Please advise [redacted] to contact me directly if she has any questions or concerns My name is Thomas P [redacted] , I can be reached toll free at [redacted] extension ***; or emailed [redacted] @penncredit.com Penn Credit apologizes for the inconvenience Thank you for your assistance and resolution regarding the matter

I have reviewed and investigated the complaint Penn Credit represents the State of Maryland Comptroller’s office concerning personal income taxThe account in question is for tax year and the balance with Interest and penalties is $1, Penn Credit received a call from the consumer on November 11, and disputed the claimAt that time as part of the investigative process itemization of the debt was requested and to date has not been receivedOnce received the information will be forwarded for review, discussion and resolution As and agency we need verification from the consumer or notification from the original creditor in order to credit, adjust and/or cease collection of an account The account has been placed in a status that ceases all forms of communication with the conusmer until [redacted] ’s questions and concerns are addressed If [redacted] would like to discuss the matter further please contact Thomas P [redacted] , Vice President direclty toll free ###-###-#### or email him at [redacted] @penncredit.com Thank you for your assistance in the resolution of this matter

I have reviewed and investigated the complaintAs part of the investigation I had our customer service department review the account and deemed the balance was due Furthermore, I noticed that on March 20, the consumer on his own behalf set a series of payments on Penn Credit’s payment portalDue to this action I am considering that he was able to resolve his concerns and made the payment arrangement through the portal If [redacted] would like to discuss the matter further please have him contact Tom P [redacted] , V.PCompliance directly at [redacted] or by email at [redacted] , he would be more than willing to discuss and explain the matter to his understanding and satisfaction Thank you for your asistance in the resolution of this matter