Penn Credit Corporation

This response is very misleadingI spoke with Mary and after checking several of our dozens of numbers, Mary announced that we didn't have our phone set up the way she thinks it should beShe felt that we should have one main number with multiple numbers as extensionsI told her our phones are actually the reverse and we have many numbers that all flow into one for marketing purposesShe then threw a fit and hung up on meShe told me that as a collection agency, they didn't have to honor my request to be removed from their calling listI did call in a few days later after MORE calls and spoke with a lady who did remove me from the listI also spoke with Mary's boss, who assured me he would counsel herBut, the response from this company to the Revdex.com is not honest because it implies Mary helped me and she didn'tIt took more action on my part before someone else was professionalThe response also implies someone else is calling me, and if they are, they aren't representing themselves as this company because our phone system tracks and records everythingThere is nothing further to do because they have removed us from the list, finallyBut, I did want to dispute it to make it clear to the Revdex.com that this response is not truthful and deceptive, which is concerning

Penn Credit did review and investigate the complaintIn my review I found that the demographic information and address does match on the account information and complaint informationPursuant *** *** request to cease communication has been noted and will be honored; however, I have a concern
that *** *** may be subjected to fraud since our records indicate purchase information /order date of 9/30/If *** *** has any further concerns and needs help or assistance resolving any additional concerns concerning fraud please have him contact Thomas P*** directly toll free ###-###-#### or email him at ***@penncreditcom

Penn Credit did review and investigate the complaint After completing an investigation pertaining to *** ***'s complaint, Penn Credit Corporation mailed a validation notice to *** *** which provided all required information regarding *** ***'s right to dispute, as well as provided
notification that the debt is in reference to an outstanding account with the Louisiana Office of Debt Recovery for insurance cancellation fee through the Office of Motor Vehicles On January 19, 2017, *** *** notified Penn Credit that we were calling a wrong phone number belonging to her mother, the phone number was removed and no further attempted contacts were made to that number. On February 3, 2017, Penn Credit Corporation received an email from *** *** to cease and desist. The letter clearly stated that she didn't want further communication pertaining to the matter. As a result, Penn Credit followed proper protocol to assure that no further communication was made. Penn Credit Corporation requested verification of the debt from Louisiana Office of Debt Recovery. Once received, Penn Credit will mail *** *** the itemized breakdown of the bill per her request This information has also been provided to *** *** resulting from a complaint filed with the Consumer Financial Protection Bureau In the event that *** *** has any questions or concerns, please have her contact me directly, Thomas P***. My toll free number is ###-###-####, ext***; or email Thomas.P***@penncredit.com Thank you for your assistance and resolution regarding the 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 Administratively Resolved]
Complaint: ***
I am rejecting this response because:
I moved from that said residence 7-30-I told the precious landlord and he said he would put it in his nameObviously he did notNot my problem.
I am not paying for devices since I did not occupy the residence after 7-30-2013.
Regards,
*** ***

July 24,
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.
I received an email from *** *** requesting the year the taxes were filed, the tax year was and they were filed on 4/02/2013.
We will continue to keep the account in a disputed status to allow *** *** to fill out the required paperwork.
Thank you for your assistance in the resolution of this matter
Sincerely,
Timothy F*
Collections Manager

** *** *** ** *** *** *** *** *** *** ** *** *** *** ** *** *** *** *** *** ** *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
***
*** *** ***

[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: ***
I am rejecting this response because:
Penn Credit states they mailed me a letter to my address on 1/28/I did not received such letterHowever, I do acknowledge a past due balance to *** *** ***I would like Penn Credit to mail me another letter in order to take care of this past due amount
Regards,
*** ***

[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: ***
I am rejecting this response because:The response does not explain why my time was wasted by this company's mistake, why the mistake occurred, how it will be avoided in the future or how I will be compensated
Regards,
*** ***

September 15,
Revdex.com of
Washington DC and Eastern Pennsylvania
North Front
Street
Harrisburg, PA
RE: *** ***
Case: ***
Please be advised
that Penn Credit takes pride in following all Federal and State collection
laws I have reviewed the call in question and while I think
out agent could have handled things better,
I do not fell the call went the same way *** *** states in his
complaint. There was never any mention
by our agent that *** *** is attempting to beat the system.
If *** *** would like to discuss the matter further
please have him contact me directly at toll free ###-###-####
Thank
you for your assistance in the resolution of this matter
Sincerely,
Timothy F*
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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
They were very professional, thank you for doing the verification to close this

I have reviewed and investigated the complaint
Penn Credit does have record of letter being received from *** *** 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 *** *** provided in the complaint
*** *** needs to provide a form *** 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 *** *** has had an opportunity to provide the information requried to resolve his concerns
If *** *** has any additonal questions or wants to discuss further please have him contact Thomas P***, Vice President direclty toll free ###-###-#### or email him at ***@penncredit.com
Thank you for your assistance in the resolution of this matter

Penn Credit reviewed and investigated the complaint. Please be advised that Penn Credit did not refuse to respond to *** ***’s complaints filed through the CFPB. Please see Penn Credit’s latest response to her CFPB complaint regarding the matter Please be advised that Penn
Credit has not violated any laws pertaining to the handling of this account Penn Credit did not have communication with the consumer prior to receiving the original CFPB complaint dated 9/28/ Upon receipt of the complaint Penn Credit noted the account as receiving a dispute and cease communication and flagged the account as such ceasing all further communication except the providing of the validation requested Second, as part of the investigation, Penn Credit requested validation of the debt from the original creditor, which was received on October 18, and promptly sent to the consumer at her address provided in the complaint and it was not returned(Please see attached document validation of debt) Penn Credit did update the dispute to the credit bureau as outlined by both the FDCPA & FCRA on September 28, We have the electronic verification if requiredApparently, the bureaus did not update promptly, and credit reporting agencies have no way to verify the update until the consumer contacts us againUpon receiving the second complaint, Penn Credit sent another electronic update to the credit bureaus notifying them of the disputed status In review, Pennsylvania does not have a collection agency license requirement, so one is not availableFurthermore, Penn Credit does not own the debt, we are strictly a contingent fee agency, so a letter of assignment and ownership is non-existent Please advise the consumer, if the validation provided (copy attached) does not meet her needs, to please contact Thomas P*** at ###-###-#### or email me at ***@penncredit.com I appreciate 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: ***
I am rejecting this response because: Representative of Penn credit is lyingAttaching the proof of payment to *** energy and fax sent to Penn credit with all the details
Regards,
*** ***

[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: ***
I am rejecting this response because:
Regards,
*** *** Revdex.com,company call my home with a unlisted phone number.Also,voice recorder asking you push one!>[ looking for, they did not say etc.] Nevertheless,rejecting the response ! Company have a unethical collection practices I think they will call again!

July 17,
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.
Attached you will find a copy of the breakdown that was sent to *** in March of 2013. The breakdown will show the why PPL still shows an outstanding balance.
If *** has any documentation that would support her claim that the balance is invalid I would have to forward it to my client to have them research her claim
I have placed ***’s account in our office in a hold status to allow her time to provide the documentation needed to research her dispute.
Thank you for your assistance in the resolution of this matter
Sincerely,
*** ***
Collections Manager

I thought I made it clear they called my daughter on our home phone ####-###-####I may pursue legal action the more I think about this

Penn Credit reviewed and investigated the complaint Please be advised that Penn Credit has no record of receiving any prior notification or documentation from *** *** regarding her dispute. I request that *** *** provide the documentation she mentions in her complaint so
I can review the information and handle accordingly Please notify *** *** that Penn Credit updated her filed dispute accordingly and requested verification of the debt from the original creditor. Once received, Penn Credit will mail her the itemized breakdown of the bill outlining the charges. In the event *** *** is still disputing the debt upon receiving verification of the debt, please notify her to contact Penn Credit directly to further discuss the matter so we can help bring resolution to the matter Penn Credit will update the credit bureaus of *** ***’s dispute accordingly and as required by law. In the event *** *** is still claiming fraud upon reviewing the itemized bill, she will need to contact the original creditor directly at ###-###-####, file a police report, complete a questionnaire, and provide three forms of proof of residency for the timeframe in question Please advise *** *** to contact me directly with any questions or concerns. My direct line is ###-###-####, or email me at ***@penncredit.com Thank you for your assistance in resolving this matter

I reviewed the complaint and completed an investigationThe empolyees that *** *** discussed her concerns with just wanted to make sure that *** *** didn’t receive any additional phone calls and since she denied the debt ceased communication with her
If *** *** has concerns of fraud
or identity theft please have her contact Thomas P***, Vice President direclty toll free *** or email him at ***@penncredit.comTo discuss the matterHe will provide her with any information requried and the process to protect her self it is a fraudulent act
Thank you for your assistance in the resolution of this matter

I have reviewed and inveastigated the complaintPenn Credit did discuss the matter with *** *** as discribed in her complaint
Unfortunately, As a credit reporting agency (CRA) we have to follow the Fair Credit Reporting Act (FCRA) by reporting correct information as the manager explained to
*** ***
Unfortunatley, during my investigation I found the Penn Credit sent two (2) notices to *** *** and neither were returnedThe first notice was sent when the original credit forwared the account to us for collection on 5/14/and another notice was sent on 6/29/The first notice was the validation notice and includes the consumer’s right to dispute or request validation of the debt in part or whole
If *** *** requires any additional information please have her contact Thomas P*** directly toll free ###-###-#### or email him at ***@penncreditcom

August 23,
">
Revdex.com of Washington DC and Eastern Pennsylvania
North Front Street
Harrisburg, PA
RE: *** ***
Case: ***
Please be advised that Penn Credit following all Federal and State collection laws.
*** notified Penn Credit on July 25, that we were calling an incorrect phone number, during the first notification *** was very upset about the fact we were calling an incorrect phone number and made mention that due to Penn Credit wasting her time she was now going to waste our time. *** made an additional four calls within twenty minutes to continue to discuss that she was upset we were contacting an incorrect phone number
The phone number was removed from our database on July 25, and I am not showing any additional phone calls to the number in question
Thank you for your assistance in the resolution of this matter
Sincerely,
Timothy F*
Collections Manager