Penn Credit Corporation

Penn Credit did discuss the matter with [redacted] on January 4, 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 receivedAccording to the account record one was not sent; it should have been sent approximately 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

[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

I have reviewed and investigated the accountThe consumer has requested proof of debt on two (2) separate occasions on 1/7/and 11/21/The validation of the debt was sent to the address of record that is on the complaint as the consumers mailing address Penn Credit has had several conversations with the consumer and he requests proof each time and we provide it Penn Credit received a letter from the conusmer on 11/18/even offering a settlement of $if we are willing to remove from the credit bureauThe request was denied Under the Fair Credit Reporting Act accurate information is to be reportedThe consumer was provided validation of the debt on two (2) separate occasionsThe creditor has met the obligation of investigating and providing validation of the debt under The Fair Credit Reporting Act Since the consumer still continued to dispute the alleged debt Penn Credit updated the credit bureau to a deletion on 2/5/Since it is still appearing on his record I will have it deleted today through E-OscarIt may take up to thirty (30) days for the credit bureau to delete the record, unfortunately we do not have control of their updating timing Please advise [redacted] that Penn Credit has not violated any laws under the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA)Penn Credit responded to his dispute, requested and sent valdiation of the debt two (2) seperate times I must inform [redacted] that I do not have control over what the original creditor will do with the recovery efforts of the account [redacted] has to provide documentation for the creditor to review that the debt is not his If I can be of any further assistance please let me know Thank you for your assistance in the resolution of this matter If [redacted] has any additional concerns please have him contact me toll free at ###-###-#### or email me at [redacted] @penncredit.com

Penn Credit did review and investigate the complaintPenn Credit did delete the item electronically on 3/24/and through E-Oscar on 9/26/ Unfortunately, Penn Credit does not have control over the time frame the bureaus update the deletion; [redacted] knows the deletion item was sent through because it is off the other two reportsThe way we advise consumers to handle under these circumstances is two dispute it through the credit bureau and when it reaches us we authorize deletionThis way it happens immediatelyIf [redacted] requires any additional information please have him contact Thomas P [redacted] directly toll free ###-###-#### or email him at tom.p [redacted] @penncreditcom

September 15, Please be advised that Penn Credit takes pride in following all Federal and State collection laws Please be advised that Penn Credit received balance in our office for collection from [redacted] / [redacted] on July 9, for the service address [redacted] *** Based on more than one skip tracing vendor the phone number [redacted] is associated with the same [redacted] as the one who lived at the service address [redacted] *** I have requested verification of debt from my client and I will forward to the Revdex.com once I receive to all [redacted] to review I will stop all collection efforts until [redacted] is able to review the balance in question Thank you for your assistance in the resolution of this matterSincerely, Timothy FCollections Manager

Penn Credit has reviewed and investigated the complaintPenn Credit was/is calling a wrong numberI did block the number provided in the compliant ###-###-#### face="Times New Roman" size="3"> 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

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 has investigated the matter and originally obtained the phone number using skip tracing services; a method that is not illegal and is used to assist in obtaining location information Again, Penn Credit apologizes for the inconvenience and the phone number has been removed to prevent further contact regarding the matterIf [redacted] *** would like to discuss the matter further, please have him contact Thomas P [redacted] , toll free at ###-###-#### or email thomas.p [redacted] @penncredit.comThank you for your assistance and resolution of this matter

Penn Credit did review and investigate the complaintPenn Credit did talk to [redacted] on July 6, As part of proper identification of a consumer we have policy to verify the person by address, previous address, last digits of social security numberThis is done to protect the consumer’s private identifiable informationPenn Credit does not properly attempt to verify identity to get any consumer upset, but to guarantee that we are not disclosing information to a wrong person [redacted] did request validation of the debt on July 20, and that has been requestedOnce it is received it will be forwarded to her for reviewIf [redacted] would like to discuss the matter further please have her contact Thomas Perrotta directly toll free ###-###-#### or email him at [redacted] @penncreditcomIf he has any addititonal questions or concernsThank you for your assistance in resolving this matter

Penn Credit reviewed and investigated the complaint Please be advised, Penn Credit closed and returned this account to the original creditor on February 7, I also sent a deletion notification to the credit bureaus on February 7, Please allow approximately twenty days for the credit bureaus to update their records accordingly Please notify [redacted] to contact the original creditor directly regarding the status of her account and to obtain verification of the debt [redacted] can contact me directly with any questions or concerns My direct line is ###-###-####, or she can email me at [redacted] @penncredit.com Thank you for your assistance in resolving this matter

Mr./Mrs./Ms [redacted] I have reviewed your reply to my response and understand your frustrationWe do show that you have made several payments on the accountsThe payments have been very small, but the intent is thereWe show your last payment on 11/24/for a total of $Please let me know if any payments have been made after that date that may be missing I have placed a disputed status on the Lotion and Spa set and will cease all collection activity for that account Have you contacted the original creditor on the items that you were not satisfied withIf so did they provide you a response If you haven’t contacted the original creditor on those items please do so; I am sure they will provide you with the necessary instructions for resolution If you are not satisifed with my answer I can cease communication with you concerning the entire debt if you wish; however, I do not have control over what continued actions the original creditor will take I would like to help you resolve your concernsPlease let me know if there anything else I can do to satisfy your complaint Thomas P [redacted] V.PCollections & Compliance

I reviewed and invrestgated the complaintThe consumer states that the account is paid in fullPenn Credit does not have record of payment; however, Penn Credit does not have the account assigned to them any longerThe consumer may have paid after the account was closed and returned to the creditor Please advise Ms [redacted] that Penn Credit updated a deletion record to the credit bureau on August 7/Unfortunatley, Penn Credit does not have control over when the credit bureaus actually updatePlease advise Ms [redacted] that I sent a deletion record through E-Oscar today 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

Tell us why here...Penn Credit reviewed and investigated the complaintPlease be advised that Penn Credit located Mrs [redacted] phone number in our data base and was attempting to contact an individual by the name of [redacted] - [redacted] regarding a personal business matterAccording to our records, Mrs [redacted] contacted us on December 11, an advised our representative of the issuePenn Credit updated our system on December 11, and marked the phone number ( [redacted] ) belonging to Mrs [redacted] as a wrong phone numberAs of December 11, 2017, Mrs [redacted] will not receive future calls to this phone numberPenn Credit apologizes for any inconvenience this may have causedIn the event Penn Credit is calling the correct number for *** [redacted] -***, please advise her to contact our office at [redacted] Penn Credit does offer an "opt out" option when a wrong phone number is calledThis function removes the wrong phone number and prevents sensitive information from being disclosedPlease advise Mrs [redacted] to contact me directly if she has any questions or concernsMy name is Brian T***, I can be reached toll free at [redacted] extension ***; or emailed [redacted] Penn Credit apologizes for the inconvenienceThank you for your assistance and resolution regarding the matter

June 13, 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 After researching the phone number [redacted] we are not showing any calls made by Penn Credit after we were notified it was a wrong phone number on May 27, Penn Credit uses outside vendors to aid us in locating contact numbers for consumers, so it is possible a vendor has provided the phone number to more than one company Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

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 no representative has discussed any personal information with anybody in reference to the account in our office for *** [redacted] It does appear that someone obtained information through our automated information by stating they were [redacted] on 2/21/ I have removed the phone number in question so no future calls are made to this phone number Thank you for your assistance in the resolution of this matter Sincerely, [redacted] Collections Manager

October 31, 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 Please be advised that 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, so [redacted] will not receive any future calls from Penn Credit Thank you for your assistance in the resolution of this matter Sincerely, Timothy F [redacted] Collections Manager

July 3,
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Revdex.com of Washington DC and Eastern Pennsylvania
North Front Street
Harrisburg, PA
RE: *** ***
Case: ***
Penn Credit takes pride in following all Federal and State Collection calls.
Our client the Delaware Dept of Transportation placed two DELDOT Toll fines in our office on 10/09/for $each. The first fine took place on 4/13/at *** plaza lane 40, the second fine took place on 4/14/at *** plaza lane 41. We sent the required validation notice 10/10/2012, we sent a second letter on 3/10/2013. We did not receive any response to our notices.
On June 9, around 6:PM *** contacted out office stating the accounts were not due and she provided information to EZ PASS to clear up the situation. The agent explained to *** our client was still showing the outstanding balance was due
On June 23, *** contacted our office again; however there was no discussion on the account due to the agent ending the call due to *** yelling at the agent.
On June 26, we received a certified letter from *** stating the account was paid and proof had been provided. The letter did not provide any documentation showing the account as being paid. The letter also stated she are hurting her credit but to date Penn Credit has not placed any negative information on ***’s credit.
As of today our client is still showing the two citations as being unpaid, if *** could provide the information showing the accounts being paid, I would have to go back to my client so they can research her records
Thank you for your assistance in the resolution of this matter
Sincerely,
*** ***
Collections Manager

Please be advised that I have reviewed Mr***'s rejection to my responseAs outlined by the FDCPA I have updated the status to a cease communication per his requestPenn Credit will not contact him any further unless through the Revdex.comHowever, if the original creditor sends us validation of the debt we are able to send it to him for his reviewIf he should receive it and would like to discuss the matter he will have to contact Thomas P*** toll free ###-###-#### or email him at *** Thank you for your assistance in resolving this matter

Penn Credit did review and investigate the complaint According to our records **./ *** *** contacted our office on several occasions each time he stated he would send proofPenn Credit never received the proof I have placed the account in a disputed status where
no additional action will occur pending receipt of proof from *** ***In order to make sure it is received please have *** *** send it directly to Thomas P*** toll free ###-###-#### or email him at ***@penncreditcom Additioanlly, I have requested both a balance update and date of last payment from the original creditor Thank you for your help in resolving this issue

Mr./Mrs./Ms***
I have reviewed your reply to my response and understand your frustrationWe do show that you have made several payments on the accountsThe payments have been very small, but the intent is thereWe show your last payment on 11/24/for a total of $Please let me know if any payments have been made after that date that may be missing
I have placed a disputed status on the Lotion and Spa set and will cease all collection activity for that account
Have you contacted the original creditor on the items that you were not satisfied withIf so did they provide you a response
If you haven’t contacted the original creditor on those items please do so; I am sure they will provide you with the necessary instructions for resolution
If you are not satisifed with my answer I can cease communication with you concerning the entire debt if you wish; however, I do not have control over what continued actions the original creditor will take
I would like to help you resolve your concernsPlease let me know if there anything else I can do to satisfy your complaint
Thomas P***
V.PCollections & Compliance