Penn Credit Corporation

I spoke with Loretta I.dNumber today at 12:p.mNov.21,concerning a Pulishers Clearing House debt they were trying to collect in the amount of $from my daughterThey refused to accept the money from me to satisfy the debtI asked them to take us off the collection list since they refused the money immediately and if they harness either of us again it will be turned over to one of the law firms that sue on behalf of cases like this

Penn Credit was calling a wrong numberOn August 10, we received a call stating we had a wrong numberWe ceased calling ###-###-#### as of that datePenn Credit did not have prior knowledge of calling the wrong phone n umber
Please advise *** *** that Penn Credit has ceased all
communication to the number provided in the complaintHe should not receive any additional callsAdditionally, Penn Credit does offer a wrong number OPT OUT option for this circumstanceUse of the OPT OUT ceases all future calls immediately
If *** *** would like to discuss the matter further please have him contact Thomas P*** directly at ###-###-#### or email him at ***@penncredit.com
Thank you for your assistrnace in resolving 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 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,
*** ***

[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

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

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

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

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

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

Penn Credit reviewed and investigated the complaint. Penn Credit requests that *** *** provide the wrong phone number that is being called so we can verify, locate, and remove the wrong phone number from our database. Upon receiving this information, I
will re-open the investigation and remove the wrong phone number that my company maybe calling Penn Credit does offer an, “Opt out” option when a wrong phone number is called. This function removes the wrong phone number and prevents sensitive information from being disclosed Penn Credit apologizes for any inconvenience this may have caused Please advise *** *** to contact me directly if she has any questions or concerns. My name is *** ***, I can be reached toll free at *** *** ***; or email *** Thank you for your assistance and resolution regarding the matter

July 3,
Roman">
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.
Please be advised we were notified for the first time on 7/2/that we were calling an incorrect phone number. We removed the phone number from our active database and no future calls will be made to the phone number in question
Thank you for your assistance in the resolution of this matter
Sincerely,
*** ***
Collections Manager