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: IN REPLY:THERE WAS NO CONFUSION ABOUT THE PRODUCTS RECEIVEDI’M NOT FAMILIAR WITH A LOTION AND SPA SETBUT I RECEIVED AND USED THE OTHER PRODUCTSONE POINT WAS THIS---I HAVE MAILED SEVERAL CASH PAYMENTS TOWARD THIS ORDERWHEN I WAS CONTACTING THE COMPANY TO INQUIRE, SHE/HE FAILED TO MENTION RECEIPT OF CASH PAYMENTSBUT MENTIONED RECEIVING CHECKS THAT DIDN’T GO THROUGH THE BANKMAYBE THIS WAS A PRESENTATION ISSUE WITH THE PERSON GOING TO THE BANK PLUS I CONTINUED TO RECEIVE THE OFFERINGS OF PRODUCTS ON A REGULAR BASIS THROUGH CERTIFIED MAIL ***WHO HIRED WHOM TO COLLECT WHAT ON THIS ACCOUNT?***ALSO I ATTACHED AN IMAGE THE PENDANT AND EARRINGS AND THE DOCUMENT FOLDERSTHOSE FOLDERS I COULD BUY AT ANY OFFICE STORE FOR 10$THE NECKLACE AND EARRING SET WAS LISTED AS SILVER-TONE AND SIMULATED PEARL 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 Please be advised that I am unable to any account in our office with the information provided by ** [redacted] , if ** [redacted] could provide the information that is being reported on his credit bureau I will be happy to research further Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

I reviewed and investigated the complaintThe consumer states that she was not on the original lease and that is why she shouldn’t have the PP&L on the credit bureau [redacted] had requested written validation of the debt and validation was forwarded to her August 27, and we have not received a reply until this complaint Please advise [redacted] that utility bills are often provided to individuals who are not on the actual rental property leaseThey place the utility on the person that calls in and set up the service Please have [redacted] provide documentation that she did not place the service in her nameIf she did, she is responsible for the debt I have placed the account in a disputed status for tweeks and will wait to receive [redacted] ***’s responseIf more time is required at her end or she would like to discuss the matter further have have contact Thomas P [redacted] directly toll free ###-###-#### or email him at [redacted] @penncreditcom

[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]

I have reviewed and investigated the complaint Penn Credit sent validation of the debt on 6/12/The consumer did not contact our office and inform us it was not satisfactory or additonal information was necessaryI 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.comif 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

Penn Credit was able validate that [redacted] was advised by the original creditor upon making payment in full directly to them, account number [redacted] would be removed from her credit bureau reports Penn Credit was advised of payment in full from the original creditor on May 11, Due to this, Penn Credit sent notification to the on March 13, to delete the account from MsMcClenton’s credit reports Please notify [redacted] it may take up to twenty days for the credit bureaus to update their records Penn Credit apologizes for the inconvenience regarding the matter If [redacted] would like to discuss the matter further, please have her contact [redacted] toll free at ###-###-#### or email [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 responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because:This debt is completely fraudulent!I demand an immediate cease,delete, and Desist of all collections against me.Also I never gave anyone permission to share my personal information so I believe Penn Credit may have obtained my information illegally in attempts to EXTORT me Regards, [redacted]

June 13, 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 Our client placed an account in our office for collections for *** [redacted] in the amount of $for a Joey Green’s cleaning Magic book on June 3, The required validation notice was printed and mailed on June 4, We received a call from *** [redacted] on June 10, 2014, during this call she advised us that she never the book, the agent requested she place her account in writing and send to our office I account in question was them placed on hold to allow *** [redacted] time to send her letter of dispute I will accept the Revdex.com complaint as her letter and notify our client of her dispute Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

Penn Credit did review and investigate the complaintThe account [redacted] is concerned about has been in our office for several years and we have sent notices in the past to the address mentioned in the complaint and none were returned Penn Credit has also been reporting this account to the credit bureaus for several years and would have appeared on any past reviews by [redacted] The account that [redacted] is concerned of is not past the statute for reporting to the credit bureau; however, it is past the statute of limitations for debt in the state of PennsylvaniaWe can attempt to collect on the debt; we just can’t pursue legal remediesThe account in question can be reported to the credit bureaus for seven years which would be January I have updated the credit bureau to a disputed status in order to give [redacted] an opportunity to contact me to resolve his concerns If [redacted] would like to disucss the account in question please have him contact Mr.Thomas P [redacted] directly toll free ###-###-#### or email him at [redacted] @penncreditcom

[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] ***

July 24, 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. Please be advised our client [redacted] placed an account in our office for collection on May 12, 2014, any prior conversations [redacted] might have had last year were not with Penn Credit. The account in question was placed in our office for a [redacted] with a social security number with the last 4 numbers of ***, with a mailing address in Maryland. We were supplied a new address for [redacted] with the same SS #, which matches the address on the BBB complaint. In cases such as these it is my experience two things could have happened, we fact the correct person or person is a possible victim of fraud due to I. D Theft. I have disputed the account in my office as a dispute due to possible fraud and have notified my client of the same. I will forward more information through the BBB once I receive it from my 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 Please advise [redacted] that I reached out to [redacted] Clerk of Court and verified that case number [redacted] was not discharged and remains outstanding In accordance with Florida State Law, the court costs associated with this case has not exceeded the statute of limitations Penn Credit is not a data furnisher for [redacted] Clerk of Court and as a result will not report this account to the credit bureaus Per [redacted] request, Penn Credit is ceasing all communication pertaining to this matter Please have [redacted] contact me directly should he have any questions or concerns My direct line is [redacted] extension ***, or he can email me at [redacted] Thank you for your help in resolving this matter

February 22, 2017During my conversation with [redacted] on February 1, 2017, I advised him that [redacted] has confirmed they are holding him as the responsible party for the outstanding balance placed in our office for collections I also informed him that I will be requesting a breakdown of the balance from *** I mailed the itemized bills and [redacted] should receive them soon Unfortunately, I am unable to attach verification of the debt due to exceeding the maximum limit of attachments permitted In reviewing the documents attached to [redacted] complaint, I noticed that while the mailing address on the [redacted] bill is the service address we are collecting for, the service address located on the left side of the document does not match the address where the bill was mailed If [redacted] has any questions or concerns, please have him contact me directly at toll free number ###-###-####, extension ***

[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 complaintPenn Credit did talk to [redacted] today 8/31/and the phone number was flagged and according to our records additional calls were made because the phone number appeared on more than one accountI apologize for the inconvenience and please have [redacted] contact Thomas P [redacted] directly toll free ###-###-#### or email him at [redacted] @penncreditcom if he should receive any additonal callsThank you for your help in the resolution of this matter

Penn Credit takes pride in following all Federal and State Collection calls I believe that [redacted] has the agencies contacting him confused as we do not collect for [redacted] Loans We do have an account in our office for a [redacted] account with a service date of 12/2/for a dictionary and Encyclopedia Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

[redacted] [redacted] I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me [redacted]

I have reviewed and investigated the complaintThe consumer did state that she wanted proof of signature and without refused paymentAccording to the Fair Debt Collection Practices Act (FDCPA); outright refusal to pay is the same as reqesting a cease communicationPenn Credit did honor that request on August 12, 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.comThank you for your assistance in the resolution of this matter

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 furtherHowever, [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 contact the Revdex.com and they have listened to the conversation between you and the collection representativeAs stated in my previous response I have requested validation of the debt and once received I will forward to the consumerAs outlined by the Fair Debt Collection Practices Act and the Fair Credit reporting Act I have ceased collection efforts and sent a disputed update to the credit bureau through E-OscarOnce the dispute or validation is resolved and the consumer has had a chance to review and respond the credit bureau will be updated to reflect the proper statusI am still willing to discuss the matter with the consumerIf he is interested please have him call me toll free ###-###-#### or email me at tom.p [redacted] @penncredit.com