Penn Credit Corporation

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 It is possible ** [redacted] is confusing us with another party as we just received the phone number in question in our office in March I have removed the phone number is question as a wrong phone number; this will stop Penn Credit from contacting ** [redacted] Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

March 17, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Penn Credit has not received any payments for the outstanding tickets since these accounts were placed in our office on 5/31/ In reviewing the information on the client’s web site they are showing that they sent a notice to ** [redacted] on 6/09/informing him his driver’s license would be suspended if he did not pay for the citations They then placed the citations in a different collection agency [redacted] on 11/11/until 5/31/ The client’s website does show two other citations from 11/08/were closed in and resolved in 2004, is it possible these are the tickets ** [redacted] is referring to in his complaint ? Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

Penn Credit reviewed and investigated the complaint I appreciate [redacted] providing the additional information requested, as a result I located the account referenced in this complaint Please advise [redacted] that the original creditor closed this account from [redacted] on September 21, Penn Credit notified the credit bureaus to delete the trade-line from [redacted] credit reports on September 24, It appears the credit bureau(s) failed to delete this trade-line upon receiving notification from Penn Credit Due to the account still appearing on one or more of [redacted] credit bureau reports, I am sending another deletion notification to the credit bureaus Please understand that it may take the credit bureaus up to twenty days to update their records Penn Credit does not know the status of this account, should [redacted] require additional information regarding the matter, she will need to contact the original creditor directlyPlease advise [redacted] to contact me directly if she has any questions or concerns My name is [redacted] , I can be reached toll free at [redacted] ***; or email [redacted] Thank you for your assistance and resolution regarding the matter

Please be advised that PP&L confirmed that [redacted] was enrolled in the CAP program, however the account was already credited prior to coming to collectionsThe CAP program did not resolve the entire balance and the debt remains outstandingFor this reason, Penn Credit will not remove the account from the credit bureaus If [redacted] decides to satisfy the debt, Penn Credit will notify the credit bureaus that the account is resolved with a zero balance, however it will not be deleted from [redacted] ’s credit reports Penn Credit received verification of the debt from the original creditor which was mailed to [redacted] on April 18, [redacted] should receive the itemized breakdown within the next few business days In the event [redacted] has questions or concerns, please advise them to contact me directly, Thomas Perrotta, toll free at [redacted] extension *** or email [redacted] @penncredit.com Thank you for your help in resolving this matter

Penn Credit did review and investigate the complaint [redacted] did copntact our office and state she never received a bill that she moved and does not remember the service dateShe stated that she would contact the original creditor herself I do not know if she has done so, however, I did request validation of the debt and did update the account to a disputed statusResulting the credit bureau will reflect the dispute Once the validation is received it will be sent to [redacted] for reviewI will give her an opportunity tro review the validation before updating the credit bureau to reflect the proper status of the account If [redacted] would like to discuss the matter further please have her contact Thomas P [redacted] directly toll free ###-###-#### or email him at [redacted] @penncreditcom

[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 have received of the credits due These credits posted on 07/17/ I am still awaiting the 3rd credit Please advise Regards, [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 throughI did request the third be completed again and it was on June 20, 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

I have reviewed and investigated the complaintThe monies owed are taxes due the State of Virginia for tax years ending 2005, 2006, & If [redacted] does not believe he is the proper person; I would need him to verify that the last four (4) of his social securtiy number is *** I have placed each tax year in a disputed status until we are able to resolve the concerns If the social security is not correct and/or he acknowledges the debt and wants to discuss further please have him contact Thomas P [redacted] , Vice President direclty toll free ###-###-#### or email him at [redacted] @penncredit.com I am asking for contact in some form for either result due to the personal identifable information concerning the accountIf it not him I can’t dicsuss further and I need to update the file to not attempt to communicate with him any longerIf the information is correct I will need to discuss the debt and inform him of what I can provide for validation of the debt directly to him Thank you for your assistance in the resolution of this matter

I called them to set up a payment plan after the Comptroller of Maryland had washed there hands with the money I owe themThey were actually very helpful and nice to talk tooI did pay a large amount of the debt off during my first conversation with them, so maybe that's why they were so helpfulI set a month payment plan and they debut it from my accountReally no problem with them, if you owe a debt just pay it off! My only complaint is that the state of Maryland would use a 3rd party to collect money!

Penn Credit did review and investigate the complaintOn October 27, around 10:13AM a Penn Credit Collection Representative made an outbound call asking to speak with the consumer The third party initially said the consumer wasn’t there and agreed to take a message The third party then notified our representative they were the neighbor and would relay the message The representative professionally thanked him for the information and advised he would remove the phone number to stop further calls The Penn Credit Representative successfully removed the wrong phone numberOn October 27, around 10:40AM the consumer called Penn Credit Corporation due to receiving a message from his uncle The representative located the account and verified she was speaking with [redacted] *** The consumer said yes and advised we were calling the wrong number and wanted to know the reason for the call The collection representative notified the consumer that the wrong number was removed When our representative asked the consumer to verify his address, the consumer refused and collector advised the consumer we can’t continue and professionally ended the callOn October 27, around 12:59PM the consumer’s account was noted that we received written correspondence from the consumer to cease and desist all further communication The Penn Credit Representative updated the account correctly to prevent all further communication regarding the matter [redacted] ***’s complaint does not seem to be accurate with our records and our phone recordingsIf he would like to discuss the matter further please have him contact Thomas P [redacted] toll free at ###-###-#### or email him at [redacted] @penncredit.com

[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 believe an unfair practice is perpetrated among Penn Credit and Delaware Department of Transportation As stated many times before, I will gladly pay the toll amounting to $4.00, despite the fact that I had previously paid it with a toll booth operator to clear the debt Neither business is willing to compromise regarding resolution of this matterLastly, I was in receipt of a letter from Penn Credit, after filing the letter of dispute, sent certified mail on July 2014, which I communicated to Penn Credit to cease communication as per Fair Credit Reporting Act, US Section 1692c which states: (c) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except— (1) to advise the consumer that the debt collector’s further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedyIf such notice from the consumer is made by mail, notification shall be complete upon receipt Neither items 1, 2, or of the act were followed, and it is my sincere belief that my rights as a consumer are in violation Regards, [redacted]

This business files a collection report on my credit and they never attempted to contact me regarding this debt, even though they had my correct phone number and email address When I learned of the debt owed by viewing my credit report, I called the company to settle and have it removed from my report since there was no correspondence from them alerting me to this owed amount After nearly an hour on the phone, I was conveniently "disconnected" with no return call This company still did not send me a bill even after I updated my address during that call This company was extremely unprofessional to work with and PPL utilities should never use them as their collection agency

January 6, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Please be advised that Penn Credit takes pride in following all Federal and State collection laws Below is a copy of the email between [redacted] and Tom P [redacted] our VP of collections; I have also attached the forms that were included in the email from MrP [redacted] on December 15, From: P [redacted] , Tom (VP) Sent: Monday, December 15, 6:PMTo: ' [redacted] 'Subject: RE: Re: [redacted] if this is a fraud account, please complete the attached fraud packet and I will forward it to the original creditor for reviewI am placing a disputed status on your account reporting as required under the FCRA You will be notified of their findings once complete and the credit bureau will be updated or deleted upon the results of the investigation If you have any additional questions please contact me This email is from a debt collection companyI am a debt collector with Penn CreditThis is an attempt to collect a debt and any information obtained will be used for that purpose From: [redacted] [mailto: [redacted] ] Sent: Monday, December 15, 6:PMTo: P [redacted] , Tom (VP)Subject: Re: This account was opened without my authorization and the only reason why I am willing to pay is because is affecting my credit and that's why I'm respectfully asking for the negative information to be removed from my account? Is there anyone else that I can be referred to in this matter ? I am willing to pay for this account in fullI had never received a bill from your agency or spoken to anyone in regards to this account I was never informed of this account or that it would be sent to collections Thank you Sent from my [redacted] On Dec 15, 2014, at 5:PM, "P [redacted] , Tom (VP)" < [redacted] @penncredit.com> wrote: [redacted] Thank you for your recent email inquiry and authorization to communicate with you via, emailPlease be advised that Penn Credit will continue to use this authorization in communicating with you via emailIf you wish Penn Credit to stop communicating with you via email please notify us of your request and we will cease all future email communication with you Please be advised that I have reviewed your email and request for deletion upon payment in full of the account Unfortunately, I am not able to delete the account from the credit bureau as a trade-off of paymentThe only way that I can remove the reporting is if there is a properly documented valid dispute or it is an erroneous reporting If I can be of any further assistance please contact my office This email is from a debt collection companyI am a debt collector with Penn CreditThis is an attempt to collect a debt and any information obtained will be used for that purpose --------------------------------------------------------------------------------...⇄ From: [redacted] < [redacted] >Date: December 15, at 1:35:PM ESTTo: " [redacted] @penncredit.com" < [redacted] @penncredit.com>Subject: [redacted] account ref# [redacted] I give permission to Penn Credit Corporation to contact me at this email address [redacted] Account ref# [redacted] collections account $ [redacted] Dear Sir or Madam: This letter is an offer to amicably settle the above accountIt is not to be construed as an acknowledgment of any liability for this debt in any form I will pay your company the amount of $as full settlement of this account If you accept this agreement, I will send you a money order or certified cashiers check for the settlement amount of $in exchange for a full deletion of all references regarding this account from my credit profile and full satisfaction of the debtThis agreement is binding and will be void should you not hold up to your end of the agreementFurthermore the debt will be deleted from my credit profile at all three credit bureaus, or the bureaus your company regularly reports to in the course of doing business If you agree to the above, please acknowledge with your signature and return a copy to meUpon receipt of this signed acknowledgment, I will promptly send you a money order or cashiers check in the amount stated above Notice: This agreement is restrictedThis is not a renewed promise to pay, but rather a restricted settlement offer onlyBy not signing below, you agree that the debt has not been renewed nor have any written agreements been exchanged Thank YouI look forward to resolving this matter in the best interest for both of our parties [redacted] Creditor’s Authorized Signature: _____________________ Date:_________________ Name: ______________________ Title : _______________________ Thank you for your assistance in the resolution of this matter Sincerely, Timothy F [redacted] Collections Manager

October 22, Revdex.com of Washington DC and Eastern Pennsylvania North Front Street Harrisburg, PA RE: [redacted] Case: [redacted] Please be advised that Penn Credit takes pride in following all Federal and State collection laws I was able to locate both calls on 10/13/in reference to Penn Credit contacting an incorrect phone number In reviewing the first call our agent never identifies herself as Nicole She does transfer the call to a manager who attempts to help [redacted] by requesting all the possible phone numbers we could be calling to see if we can locate the phone number in question and remove it from our database I have checked our database for the phone number on the complaint as well as the phone number [redacted] called into our office on 10/13/ Penn Credit recently received a phone call from a police department located in Arizona that our toll free phone number was showing up on a consumer’s caller id, after they investigated the situation they notified us that another company could be using our phone number to hide where they actually calling from This practice is called “caller ID spoofing” PER the Federal Communications Commission: Caller ID service is susceptible to fraudUsing a practice known as "caller ID spoofing”, where callers can deliberately falsify the telephone number and/or name relayed as the Caller ID information to disguise the identity of the calling partyFor example, identity thieves who want to collect sensitive information such as your bank account or other financial account numbers, your social security number, your date of birth or your mother's maiden name, sometimes use caller ID spoofing to make it appear as though they are calling from your bank, credit card company, or even a government agency." We have filed a complaint with the FCC (reference number [redacted] ) concerning this issue Thank you for your assistance in the resolution of this matter Sincerely, Timothy F [redacted] Collections Manager

April 10, size="3"> 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 the Revdex.com complaint is the first notification we have received we are calling an incorrect phone number I have removed the phone number in question and this will stop all further attempts from Penn Credit Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

June 3, 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 I have removed the phone number in question, and will make sure that no future calls are made If [redacted] has any more concerns please have him contact me directly Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

I have reviewed and investigated the complaint Penn Credit does have record of 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 partyI 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 countyIf he did purchase from his father and has that form completed the amount owed would be $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

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 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/ 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/and 5/8/ 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

[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]

I have reviewed and investigated the complaint Penn Credit was calling a wrong phone numberOn June 26, we received a call from [redacted] notifying us we were calling a wrong phone number and the number was immediatley blocked from receiving any additional calls Penn Credit only made approximately calls duirng the month before we were notified of the wrong numberPenn Credit also offers a 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 CreditIf 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