Penn Credit Corporation

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

Penn Credit reviewed and investigated the complaint Please advise *** *** that Penn Credit is a Third-Party Debt Collection Agency attempting to collect a debt on behalf of *** ***. As a result, *** *** is not required, nor would she have signed a contract with Penn Credit
Corporation. Penn Credit has updated *** ***’s dispute requesting verification of the debt. Once received, Penn Credit will mail the itemized breakdown of the debt to *** *** for further review. Please notify *** *** to contact Penn Credit once she receives verification of the debt so we can further discuss and bring resolution to the matter Penn Credit will notify the credit bureaus of *** ***’s dispute as required by law. Penn Credit will not delete this trade-line from *** ***’s credit bureau reports unless she has a valid dispute that is confirmed by the original creditor. Penn Credit requests, but does not require that *** *** provide documentation supporting her dispute. Please advise *** *** to contact me directly should she have any questions or concerns. My direct line is ###-###-####, or she can email me at ***@penncredit.com Thank you for your assistance in resolving this matter

Penn Credit reviewed and investigated the complaint. Please be advised that Penn Credit understands Mr***’s concern and has all intentions of resolving the issue. Unfortunately, it is possible that Penn Credit is calling a wrong phone number, hence the reason we are unable to locate the matter in question with the information provided by Mr*** Due to this, Penn Credit requests that Mr*** provide additional pertinent information allowing me to verify the matter in question. I request that Mr*** provide the phone number that Penn Credit is calling, or any possible forwarding numbers linked to the phone number provided in this complaint. Upon receiving this information, I will re-open the investigation and respond to Mr*** complaint accordingly. Please advise Mr*** to contact me directly if he has any questions or concerns. My name is Brian T***, I can be reached toll free at *** extension ***; or email ***. Thank you for your assistance and resolution regarding the matter

Penn Credit did review and investigate the complaint I appreciate *** *** providing the phone number we were calling as I was able verify and validate the information in our system. Please advise *** *** that I have updated her file pertaining to the matter as a cease and desist. *** *** will not receive further communication regarding the matter Please advise *** *** to contact me directly if she would like to further discuss her business matter in my officeMy name is Thomas P***, I can be reached toll free at *** extension ***; or email ***@penncredit.com Thank you for your help 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 will fill out the form however you did not mention what year these taxes were forThis will involve me contacting the IRSI will send my DL which will prove I am not nor have I ever been a resident of Maryland!
Regards,
*** ***

July 24,
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.
Our client *** *** Medical Center placed an account in our office on 12/06/in the amount of $412.00. The required validation notice was mailed to the same address *** *** lists on his Revdex.com complaint on 12/07/2012. This letter was not returned by the post office.
After not receiving a response to the required validation notice Penn Credit reported the account to the credit bureau on February 5, 2013.
*** *** did contact our office on July 3rd and paid the outstanding balance in full, I have requested our client to provide *** *** a breakdown of the charges he paid to our office
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 10794388, and find that this resolution is satisfactory to me.
However, their practice of indiscriminately carpet bombing your home phone with repeated calls without ryhme or reason is illegal and MUST be changed In these robo-calls, Penn Credit leaves no way for a consumer to respond and correct their record so these harrassing calls might end.
Regards,
*** ***

Penn Credit did review and investigate the complaint *** *** is correct in that he did not make his final payment to resolve his State of Maryland Tax accountFurthermore, Penn Credit did not purchase the accountThe account was placed for collection with Penn Credit by the State of
Maryland Comptroller Office Penn Credit denies contacting *** *** at work or on his cell phonePenn Credit only has one phone number for *** *** ending in ***Calls are only made during legal hours outlined by law 8am to 9pm where the consumer resides Penn Credit did attempt to collect the remaining balance owedWe sent monthly letters which were we did not receive a response As a collection agency we are held to strict oversite by the State in collecting their debtAll work is documented and all collection phone calls taped Penn Credit will not pay *** ***’s remaining balance at this timeIf *** *** would like to resolve the final $(on acurral) please have him send it inI will take this complaint as a request to cease communication Finally, The State of Maryland Comptroller Office will still show a balance on the account If *** would like to discuss this matter further please have him contact Thomas P*** directly toll free ###-###-#### or email him at ***@penncreditcom

Penn Credit reviewed and investigated the complaint Please be advised that on July 5, 2017, Penn Credit received notification from the original creditor that *** *** paid this account in full. The payment was made directly to the original creditor, it was not paid to Penn
Credit According to Penn Credit’s records, *** *** was never advised that we agreed to delete this account from his credit bureau report(s) once the account was paid in full. I confirmed this same information with the original creditor According to the original creditor, *** *** was never told that the account would deleted from his credit report(s) upon satisfying the debt. The original creditor did confirm they spoke with *** *** on April 8, due to the account appearing on his credit report, however he was never advised it would be deleted from his credit report(s) once paid in full Please understand that as a data furnisher, Penn Credit must adhere to the Fair Credit Reporting Act and is obligated to report true and accurate information. As a result, Penn Credit notified the credit bureau(s) that the account is paid in full, however, it will not be deleted Please advise *** *** to contact me directly should he have any questions or concerns. My direct line is *** *** *** or he can email me at ***
* Thank you for your assistance in resolving this matter

Penn Credit reviewed, investigated, and located *** ***’s account with *** Please be advised that Penn Credit notified *** of the dispute and requested verification of the debt. Once received, Penn Credit will mail the itemized breakdown outlining the charges directly to ***
***. Penn Credit has also sent notification to the credit bureaus advising them of the disputeIn the event, it is confirmed the debt is not owed and was sent to collections in error, Penn Credit will send deletion notification to the credit bureaus. However, if the debt is validated as accurate, Penn Credit will not delete the account from the credit bureausThe Fair Credit Reporting Act requires we report true and accurate information Although not required, I would like to request that *** *** provide Penn Credit documentation supporting the dispute so I can forward to the original creditor. In the event *** *** has questions or concerns, please advise to contact me directly, Thomas Perrotta, toll free at ###-###-####; or email ***@penncredit.com Thank you for your help 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 as Answered]
Complaint: ***
I am rejecting this response because:every month I paid they removed some of the old balanceThis information is incorrect and I want it removed from my credit report.
Regards,
*** ***

Penn Credit did review and investigate the complaint Upon review of the account I found that ** *** went to our website and set the payments up herself without the aid of a collection representative Please advise *** *** that this is not Penn Credit nor any employee of Penn
Credit’s faultThe payments were taken out of her account within the instructions she provided the web portal I am having the last three credit card payments credited back to her account; this process could take up to ten daysUnfortunatley we can process the return of the monies but do not have control over the banking process *** *** must realize that the monies paid on the accounts will be added back to the accounts and will be her son’s responsibilityPenn Credit will not discuss her son’s account(s) with her without permission from her son unless he is a minor at which time she must notify us that he is a minor Please have *** *** contact Thomas P*** arounfd July 16, directly toll free ###-###-#### or email him at ***@penncreditcomIf she has any additonal questions or concerns Thank you for your assistance in resolving this matter

Penn Credit did review and investigate the complaint After review of the complaint Penn Credit closed and return the accounts to the original creditor and will not attempt to further collect on the accountsAddtionally, Penn Credit has not reported them to the credit bureau If
*** would like to discuss this matter further please have him contact Thomas P*** directly toll free ###-###-#### or email him at ***@penncreditcom

Penn Credit did review and investigate the complaint Please advise *** *** that according to our records, Penn Credit received her letter claiming fraud and requesting verification of debt. Penn Credit did request verification of the debt from the original creditor and mailed this
information directly to *** ***
* Penn Credit mailed *** *** a letter on October 25, advising her to contact the original creditor directly regarding her fraud claim per their request. Penn Credit later followed up with the original creditor to verify whether *** *** contacted them regarding fraud, per *** *** no contact was made. On April 3, 2017, Penn Credit mailed a letter to *** *** advising her that her fraud claim was invalid due to not contacting *** *** If *** *** is still claiming fraud, please advise her to contact *** *** directly On April 14, Penn Credit received a letter from *** *** advising the verification of the debt she received was insufficient. As a result, Penn Credit reached out to the original creditor and obtained additional information to better serve as verification of the debt. This information was mailed to *** *** on April 19, 2017. On April 28, *** *** sent a follow up letter to Penn Credit requesting proof of licensing for the State of Virginia. Please be advised that there are no licensing requirements for the State of Virginia, however Penn Credit does maintain a Certificate of Authority to conduct business in the State of Virginia Penn Credit has updated *** *** file to a disputed status and updated the credit bureaus notifying them of the dispute. Penn Credit wants to help *** *** bring closure and resolution to the matter Please have *** *** contact me directly should she have any questions or concerns. My direct line is *** *** ***, or she can email me at ***
* Thank you for your help in resolving this matter

October 31,
Revdex.com of
Washington DC and Eastern Pennsylvania
class="MsoNormal">North Front Street Harrisburg, PA
RE: *** * ***
Case: ***
Please be advised
that Penn Credit takes pride in following all Federal and State collection
laws.
*** placed an outstanding account in our office on
October 24, 2013; we are the second collection agency to attempt to collect on
the outstanding balance. The required
validation notice was mailed to *** *** on October 28, to the same
mailing address listed as *** ***’s Revdex.com compliant. A second letter was mailed to the same
address on December 9, 2013. We did not
receive a response to either letter from *** *** or a response from the Post
Office stating we had an incorrect address.
Per our contract with ***, Penn Credit started
reporting the account as an outstanding balance to the three major credit
reporting agencies on December 5, 2013.
Penn Credit sent multiple updates to the three major credit reporting
agencies during the time period the account was in our office.
We were notified by our client *** on October 10,
that the account was paid in full directly to them. We sent notification to the three major
credit reporting agencies on October 16, 2014, October and October 30,
that the account was paid in full.
*** *** contacted our office on October 17,
requesting the account be removed from his credit report, the agent explained
that the account would not be removed but updated to a paid collection
account. *** *** contacted our
office on October 24, and spoke to a manager who explained the credit
reporting process, and when we first reported the account as outstanding to the
three major credit bureaus. *** ***
called our office later in the day on October 24, and spoke to another
agent who confirmed the same information he was provided prior. *** *** then requested copies of the
letters we sent to him in October and December of 2013. The agent correctly explained to *** ***
that we do not keep copies of all the standard collection notices we send to
consumers.
As a credit reporting
agency Penn Credit must report actual information and pursuant the FCRA we
can’t delete negative reporting because an account was paidIf *** *** can
provide additonal information outlining a legitimate dispute I would be happy
to review to determine if we can remove the tradeline from his credit report Thank
you for your assistance in the resolution of this matter
Sincerely,
Timothy F*
Collections Manager

I reviewed and invrestgated the complaintThe consumer states that the account is paid in fullI had the client verification system checked and the account still shows not paid and dueThe Validation is attached below
If MrDowning still insists that the account is paid, please have him
provide proof of paymentOnce received I will forward to the City and have the account updated
If *** *** would like to discuss with me directly I can be reached toll free at *** or email me at tom.***@penncredit.com
Thank you for your assistance in the resolution of this matter

Penn Credit did review and investigate the complaint; unfortunately, we were not able to locate the account and/or phone number provided in the complaint Please have *** *** provide a phone number that Penn Credit was calling, is calling or may be calling as a result of call
forwardingOnce this information is received, Penn Credit will re-open the investigation If Penn Credit is calling a wrong phone number, *** *** can use Penn Credit’s wrong number “Opt Out” optionThe use of this option will block any additional calls to that phone number on an immediate basis Please advise *** *** to contact *** *** directly, toll free at *** extension ***; or email ***@penncredit.com Penn Credit apologizes for the inconvenience. Thank you for your help in resolving this 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.
Our client *** placed an outstanding balance in our office on 6/3/for the book The New ABS diet that was ordered on July 27, 2013.
We spoke to *** on 6/30/where our agent explained why we were attempting to contact him. He informed the agent that he never ordered the item and he would not pay for something he did not order.
The agent placed the account in a dispute status and we are in the process of sending the account back to our client as a dispute.
Thank you for your assistance in the resolution of this matter
Sincerely,
*** ***
Collections Manager

I have reviewed and investigated the complaint
In reviewing the account I found that we have a different address then the one on the complaintWe did get mail return and have not been able to find a new oneWe reveived an email on 9/29/with a number to reach the consumerWe followed up
that number with phone calls and never achieved contact to discuss the debt
I have placed a disputed status on the account which will update the credit bureau accordinglyAdditionally, attached to this complaint is a validation or first notice of the account owed in question
If *** *** should have any questions please have her 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 was attemptring to contact a person by the same name as *** ***’s year old daughter*** *** did discuss his concerns with Penn Crdit
staff including a supervisor
Please inform *** *** that Penn Credit was attempting to contact a person by the same name as his daughter and in our attempt to reach this person left messages for his daughterThere was not any malice meant and we apologize for the inconvience
If *** *** requires any additional information please have him contact Thomas P*** directly toll free ###-###-#### or email him at ***@penncreditcom