Penn Credit Corporation

Penn Credit reviewed and investigated the complaint.   Please advise [redacted] that Penn Credit is a Third-Party Collection Agency attempting to collect a debt on behalf of [redacted].  I updated [redacted]’s dispute stating he isn’t responsible for this debt.    According to our...

records, Penn Credit has not received any prior requests from [redacted] wanting verification of the debt.  The only communication we had regarding the matter resulted from an inbound call from [redacted]’s spouse inquiring about a possible settlement.    Per [redacted]’s request, I have updated his file so he does not receive further communication regarding the matter.  In the event [redacted] changes his mind and is still requesting verification of the debt, please advise him to contact me directly to provide his consent.       Penn Credit will update the credit bureaus regarding [redacted]’s dispute accordingly and as required by law.  This trade-line will not be deleted from [redacted]’s credit bureau reports unless the dispute is confirmed and validated by the original creditor.         Please advise [redacted] to contact me directly should he have any questions or concerns.  My direct line is ###-###-####, or he can email me at [redacted]@penncredit.com.   Thank you for your assistance in resolving this matter.

[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. 
Regards,
[redacted]

Penn Credit did review and investigate the complaint.   Upon review of the account the credit bureau was updatred of deletion request on 6/16/2016. It does take approximately 25-30 days to reflect updates.   Please have Ms. [redacted] contact Thomas P[redacted] arounfd July 16, 2016 directly...

toll free ###-###-#### or email him at [redacted].   I am unabe to provide a payment in full letter since it was sent to the original creditor. The original creditor the agency she made payment in full to will have to provide the payment in full letter because the account was closed with our office and did not provide a reason. If the reason would have been a payment in full at creditor I would be able to provide one.   Thank you for your assistance in resolving this matter.

December 17, 2014
Revdex.com of
Washington DC and Eastern Pennsylvania...


1337 North Front Street
Harrisburg, PA 17102
RE:     [redacted]  
Case:  [redacted]
             Please be advised
that Penn Credit takes pride in following all Federal and State collection
laws. 
            We received a letter from [redacted] on 12/102014 informing
us we had an incorrect phone number, [redacted] also called our office the same
day stating we were calling an incorrect phone number, the phone number was
removed and no further calls have been made to the phone number in
question.    
            I regret any inconvenience we might have caused [redacted].
           Thank
you for your assistance in the resolution of this matter
Sincerely,
Timothy F[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. 
Regards,
[redacted]

Penn Credit follows the Fair Credit Reporting Act (FCRA). Penn Credit was notified of the payment in full on February 2, 2016. The account was placed with Penn Credit as a collection item. FCRA guidelines disctate that credit reporting agecnies (CRA’s) report accurate information.
Penn Credit...

did send a paid in full update on February 4, 2016.
Unfortuantley, Penn Credit does not have control over the credit bureaus and when they update information sent to them. We are told that it takes up to thirty (30) days.
In order to make sure that the record is updated to pid in full I am going to send another paid in full update through E-Oscar today.
Please have Ms. [redacted] check her credit in approximately twenty (20) days and the record should appear as a paid in full status.
If she would like to discuss the matter further please have her contact Thomas Perrotta directly toll free ###-###-#### or email him at [redacted]

Penn Credit did review and investigate the complaint. Unfortunately, I was not able to locate the phone number for [redacted]’s parents. She provided her phone number and we do not have it on system. Please have [redacted] have her parents make use of Penn Credit wrong number “OPT OUT” option if...

they should receive any additional calls or contact Thomas P[redacted] directly toll free ###-###-#### or email him at [redacted]@penncreditcom with the phone number Penn Credit is calling and I will flag it immediately. Thank you for your help in the resolution of this matter.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If 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 state. Please show proof of what you sent. And 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]

[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. 
Regards,
[redacted]

Penn Credit was calling a wrong phone number. Penn Credit did cease all follow up with the phone number provided in the complaint ###-###-#### on February 10, 2016.
Penn Credit apologizes for the inconvenience.
If [redacted] should receive any additonal calls please have him either make use...

of the Penn Credit wrong number OPT OUT option on the phone call or he can contact Thomas P[redacted] directly toll free ###-###-#### or email him at [redacted]@penncreditcom.

I reviewed and investigated the complaint.
Penn Credit did not make numerous calls to [redacted] as outlined in the complaint. Penn Credit only received the account on December 23, 2015.
Penn Credit did communicate with [redacted] on December 29, 2015. During the conversation he did not...

mention any prior calls. He just wanted to make sure that his parents didn’t receive any additional calls. [redacted] did state that he would pay on line without providing a date.
Penn Credit did block the phone number in concern from receiving any additional calls to it.
If this complaint is generated because [redacted] does not have the ability to pay in full, payment arrangements can be made and/or if he needs validation of the debt or disputes any portion of the debt we can obtain the information for him. Please have him contact Thomas P[redacted] toll free ###-###-#### or email him at [redacted]@penncredit.com.
Thank you for your assistance in resolving this matter.

I have reviewed and investigated the complaint. The consumer did state that she wanted proof of signature and without refused payment. According to the Fair Debt Collection Practices Act (FDCPA); outright refusal to pay is the same as reqesting a cease communication. Penn Credit did honor that...

request on August 12, 2016 immediately after the conversation.  Penn Credit will not be contact or communicating with [redacted] in reference to this debt; however, it does not stop the original creditor from future collection efforts.  If [redacted] would like to discuss the matter further please have her contact Thomas P[redacted], Vice President directly  toll free ###-###-#### or email him at tom.p[redacted]@penncredit.com. Thank you for your assistance in the resolution of this matter

January 27, 2015
Revdex.com of
Washington DC and Eastern Pennsylvania...


1337 North Front Street
Harrisburg, PA 17102
RE:     [redacted]
Case:  [redacted]
            Penn Credit takes pride in following all Federal and
State Collection laws. 
[redacted]
Communications placed an outstanding account in our office for Mr. [redacted]
on  10/08/2014 in the amount of $177.76;
the required validation notice was mailed to Mr. [redacted] on 10/09/2014.  A second notice was mailed to Mr. [redacted] on
November 23, 2014. 
On
December 12, 2014 we received a copy of his Windsteam Communications bill
showing a zero balance due on page 1, on page 2 of the bill it shows the
outstanding balance being written off to bad debt due to being sent to a
collection agency.  
As of today we have not received
any notification from our client the account in question has been paid.   If Mr. [redacted] has any documentation such as
a copy of the canceled check to show the outstanding balance of $177.76 has
been paid; I would be happy to review with our client. 
            Thank you for your assistance in the resolution of this
matter
Sincerely,
Timothy F[redacted]
Collections Manager

Penn Credit did review and investigate the complaint and agree that [redacted] did send a letter and our original notice back stating the money wasn’ owed.
The balance owed is penalty and interest according to our records.
Since [redacted] has stated in his complaint he isn’t paying and...

does not want any additional follow up I have honored his request and placed a status on the account to not attempt to collect the debt any further. However, [redacted] must know that this will not stop the original creditor from attempting to collect the debt if they so wish.
If [redacted] would like to discuss thematter further please have him contact Thomas Perrotta directly toll free ###-###-#### or email him at [redacted]@penncreditcom

I have reviewed and investigated the complaint.
Penn Credit was calling a wrong phone number. On July 27, 2015 upon receipt of the Revdex.com complaint the number was blocked from receiving any additional calls. Penn Credit did not have any notification or request to stop the calls...

and that we were calling a wrong number.
If [redacted] receives any additional calls from Penn Credit she can take advantage of our wrong number OPT OUT that could be used by the conusmer and cease calls immediatley by following the wrong number instructions.
[redacted] will not receive any additional calls from Penn Credit. If she should please have her 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 complaint and according to our records no phone calls have been made on this account. Penn Credit did send a validation notice on September 30, 2015 and that is all the collection activity on the account.
As part of the investigation I have requested an...

itemized bill; once received I will forward to the address of record in the complaint. Please have [redacted] compare the billing dates to her purchase date. If the bills accured are prior to the purchase date have her provide that validation to me and I will be able to resolve the issue.
I have placed the account in a disputed status and stopped are collection activity until her concerns are addressed.
If [redacted] would like to discuss further please have her contact Thomas P[redacted], Vice President direclty toll free [redacted] or email him at t[redacted].
Thank you for your assistance in the resolution of this matter

I have reviewed and investigated the complaint.
Penn Credit sent validation of the debt on 6/12/2015. The consumer did not contact our office and inform us it was not satisfactory or additonal information was necessary. I placed the account in a disputed status and this will update the credit...

bureau accordingly; until the matter is resolved.
Please have [redacted] contact Thomas P[redacted], Vice President direclty toll free [redacted] or email him at [redacted]@penncredit.com. if any additional information is required after reviewing the validation that was forwarded to her, so he can obtain exactly what is required to resolve her concerns.
Thank you for your assistance in the resolution of this matter

First this company called regarding a state tax bill I didn't owe. They tried to get me to give my social security number so they could "clear it up." When I wouldn't give it to them, the man was rude and told me, " you obviously don't want to resolve this, do you?" I hung up on him. Now they keep calling even though I have told them not to multiple times. The nasty woman I have spoken to TWICE told me not to get aggressive with me that it takes 48 hours to get my number on the no call list. This was after I had the same conversation with her last week. These people are lying vultures trying to cheat people out of money. I don't understand how they stay in business.

July 3, 2014
Roman"> 
Revdex.com of Washington DC and Eastern Pennsylvania
1337 North Front Street
Harrisburg, PA 17102
 
RE:       [redacted]
Case:    [redacted]
            Penn Credit takes pride in following all Federal and State Collection calls.  
           
            We received an email on 6/23/2014 informing us that we were calling an incorrect phone number.  The phone number was removed from out system so as of 6/24/2014 it would no longer be called by Penn Credit,   We did attempt the phone number in question on 6/23/2014 where **. [redacted] was kind enough to verbally let us know we were contacting an incorrect phone number.
 
            The call on 6/23/2014 was the last contact we have attempted to **. [redacted]
 
            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. 
Regards,
[redacted]
They were very professional, thank you for doing the verification to close this.