Penn Credit Corporation

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, 2017.  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, 2017.      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.

[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.....as long as the itemized detail of the purchase can be proven and I can validate that I made the purchase, I would want any late fee's or penalty fee's removed from the original amount owed.  I made the request for this purchase to be researched and provided to me from initial notification, but until the Revdex.com got involved, no one was willing to work with me. 
Regards,
[redacted]

Encountered extremely rude and unprofessional representative named Sharon--SHE NEEDS TO BE FIRED......ASAP!!!!!!!

Penn Credit has reviewed and investigated the complaint. Penn Credit was/is calling a wrong number. I did block the number provided in the compliant ###-###-####.
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If Ms. [redacted] should receive any additional calls please have her either take advantage of Penn Credit’s wrong number “OPT OUT” option which when used ceases all future calls immediatley or contact Thomas P[redacted] toll free at ###-###-#### or email him at [redacted].
 
Thank you for your assistance in the resolution of 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 reviewed and investigated the complaint.
In the process of the investigation the original creditor was contacted and
stated that four (4) statements were sent to the consumer concerning the bill
and none were...

returned. The statement dates were 8/22/2013, 9/23/2013,
10/23/2013 and 11/22/2013.
As a credit
reporting agency Penn Credit must report actual information and pursuant the
FCRA we can’t delete negative reporting with a promise of payment for removal.
If [redacted] can provide additonal information outlining a legitimate dispute
I would be able to remove the tradeline.
 If [redacted] has any additional questions or
concerns please have him contact Thomas P[redacted] directly at [redacted] or
email him at [redacted].

Penn Credit did review and investigate the matter further, I placed a request into the reimbursement back to [redacted] and two of the three did go through. I did request the third be completed again and it was on June 20, 2016. Please have [redacted] contact me if it is not there by Friday July 29, 2016Thank you for your assistance in the resolution of this matter.

Penn Credit did review and investigate the complaint. In reviewing the complaint I do see that Ms. [redacted] had problems paying on our payment portal. She had a problem because she provided her payment information to the collector and then wanted to pay on line to avoid the service charge. When the...

conusmer went to pay online the system noticed that payment information was already placed into the system that day and it appeared to be paying twice, even through the collector stopped the payment. This is a security measure taken by Penn Credit to make sure that payments are not taken out twice out of consumer account(s)
Ms. [redacted] did talk to Mr. Z[redacted] from our office and he offered to waive the fee since the payment portal wasn’t working. If Ms. [redacted] would have agreed to this the payment would have processed; however, I am sure out of frustartion she refused.
This is so last minute I had an email sent to our attorney to try and take off of docket today and place on next docket if the account should go unpaid by the next hearing date. I am not sure this will work but it is completed.
Please have Ms. [redacted] try today since the payment information has cleared and it should work or she can contact Mary Bentley at ###-###-#### to process the payment free of charge.
Thank you for your assistance in this matter.
If Ms. [redacted] would like to discuss with me directly I can be reached toll free at ###-###-#### or email me at [redacted]
Thank yo for your assistance in the resolution of this matter

called them to set up a payment plan. the lady was a little rude on the phone at first, but she ended up helping me out a lot. not too bad of an experience. I just wish Maryland would have allowed me to set up a payment plan with them a year and a half ago like I attempted to. Oh well.... The lady helped me out, so its being taken care of now.

Penn Credit did discuss the matter with [redacted] on January 4, 2016 and according to the account record his concerns were addressed when a payment in full letter was faxed to him at his request.
Additionally, I did see that [redacted] did request payment in full letter prior and never...

received. According to the account record one was not sent; it should have been sent approximately 20 days after payment was made.
I apologize for the inconvenience and if If [redacted] would like to discuss with me directly I can be reached toll free at ###-###-#### or email me at [redacted]@penncredit.com
Thank you for your assistance in the resolution of this matter.

I have reviewed and investigated the complaint.
Penn Credit as part of the investigation has requested validation and an itemized statement of the account. The account has been placed in a disputed status and will not be followed up until the original creditor has provided the information and...

the credit bureau has been updated to reflect a disputed status.
Once the validaiton is forwarded to [redacted] and she has had an opportunity to review and contact our office to resolve the credit bureau will be updated to the proper status.
If [redacted] would like to discuss further 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.
Penn Credit does have record of 1 letter being received from [redacted] concerning the debt stating that he does not owe the bill and that he purchased the car from his father; unofrtunately the addresses did not match and due to security issues we could not process the request for a wrong party. I was able to verify by the account balance that [redacted] provided in the complaint.
[redacted] needs to provide a form [redacted] and provide it to the county. If he did purchase from his father and has that form completed the amount owed would be $25.00 plus applicable interest to date.
I have disputed the account and will cease collection efforts until [redacted] has had an opportunity to provide the information requried to resolve his concerns.
If [redacted] has any additonal questions or wants to discuss further please have him 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

[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 as Answered]
 Complaint: [redacted]
I am rejecting this response because:I have received 2 of the 3 credits due.  These credits posted on 07/17/2016.  I am still awaiting the 3rd credit.  Please advise.
Regards,
[redacted]

Penn Credit has reviewed and investigated the complaint.
[redacted] must understand that Penn Credit is a licensed third party collection agency. Penn Credit is not a creditor nor a debt purchaser but an assigned contigent collections agency. Additionally, Original creditors do have the right to...

obtain vendors as part of their collection process and have those vendors report to the credito bureau puraunt the Fair Credit Reporting Act (FCRA)
[redacted] did also file a Consumer Financial Protection Bureau Complaint (CFPB) in which Penn Credit answer is pending receipt of validation of the debt since [redacted] stated in her complaint that she did not owe.
As part of both the FCRA and Fair Debt Collection Practices Act (FDCPA) Penn Credit has ceased communication with [redacted] and updated the Credit Bureau to a disputed status until the original creditor has provided validation of the debt.
If the creditor placed the account in error Penn Credit is responsible and will delete the Penn Credit Trade line from the credit bureaus.
If [redacted] would like to discuss with me directly I can be reached toll free at ###-###-#### or email me at [redacted]@penncredit.com
Thank yo for your assistance in the resolution of this matter.

Penn Creit did review and investigate the complaint.


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Upon review I noticed that Mr. [redacted] asked for no more commuication; as required by law Penn Credit has ceased all communication.
 
If Mr. [redacted] requires any additional information please have him contact Thomas Perrotta directly toll free ###-###-#### or email him at [redacted]

September 15, 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.           
            Please be advised that the Revdex.com complaint is the first
notification we have received we are calling an incorrect phone number.  The phone number in question has been removed
from our data base and no further attempts will be made.
            I regret any inconvenience Penn Credit has caused by
attempting to contact [redacted] at the phone number.  
            I have also notified my client that [redacted] is
unaware of any balance due and has requested verification of debt for the
balance they placed in our office for the [redacted]. 
            Thank
you for your assistance in the resolution of this matter
Sincerely,
Timothy F[redacted]
Collections Manager

OLE_LINK2">April 28, 2014
 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.  
           
            After receiving the Revdex.com complaint Penn Credit contacted out client to determine if they are still showing an outstanding balance for the account in our office.   They responded that they did receive a payment in their office to pay the balance they turned over to collection.   We updated our records and this will stop all contact with [redacted] for the account in question.
                
            Thank you for your assistance in the resolution of this matter
 
Sincerely,
 
[redacted]
Collections Manager

August 23, 2014
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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.  
                 
             Please be advised that our client [redacted] placed an outstanding balance in our office on April 4, 2014, the required validation notice was mailed to the same address listed on [redacted]’s Revdex.com complaint on 4/8/2014.  
 
            We also made several manual phone attempts to reach her on the cell phone provided to our client, these calls were made on 4/17/2014,4/24/2014,4/30/2014 and 5/8/2014. 
 
            After not receiving a response to letter and not being able to reach [redacted] on her cell phone, we started looking for other possible phone numbers that are associated with [redacted]. 
 
            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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]
 
Mr. T[redacted] has access to all of the pertinent information he seeks based on the name of the individual filing the complaint. If there was indeed a legitimate debt that I was being contacted about, it is as simple as the company doing a search for information related to that. The response proves that there is not. Penn Credit continues to call people (myself included) and harass them about debts that do not exist, and then hang up on consumers when they press them for more information.

Penn Credit did review and investigate the complaint.   Please advise [redacted] that the City of Deltona, FL notified Penn Credit on March 9, 2017 that the account referenced in this complaint was paid in full.  I was also able to confirm that [redacted] was also told by the original...

creditor that the account would be removed from her credit report.   Due to this, Penn Credit sent deletion notification to the credit bureaus on April 24, 2017.   Please advise [redacted] that it may take up to twenty-one days for these changes to reflect on her credit bureau reports.   Penn Credit apologizes for any inconvenience this may have caused [redacted].    Please notify [redacted] to contact me directly should she have any questions or concerns.  My direct line is [redacted] extension [redacted], or she can email me at Thomas.P[redacted]@pennCredit.com.   Thank you for your help in resolving this matter.