Penn Credit Corporation

Penn Credit did review and investigate the complaint. Penn Credit was calling a wrong number and apologizes for the inconvenience.  Penn Credit does have a wrong number “OPT OUT” option that can be used to help all consumers from receiving wrong number calls. We include this option because we...

do not want to call or inconvenience consumers. The phone number was flagged on 9/18/2016 as a wrong number. [redacted] will not receive any additional calls, if he would like to discuss the matter further please have him contact Thomas P[redacted] directly toll free ###-###-#### or email him at [redacted]@penncreditcom if he should receive any additional calls. Thank you for your help 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 response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:It is true I had sent a letter of settlement just to take this off my credit reports ( see attachement) , I in no way stated the debt was mine, I quote from the fax sent (attached)  " Its not to be construed as a acknowledgement of liablity shown, it simply was in the spirit of compromise to have it removed from my report. I have not received anything back from the fax from your company, but you did acknowledge below that you had received it dated 6/16/14. According to the Fair Debt Collection Practices Act(FDCPA),   [15 USC
1692c] Section 805(c): CEASING COMMUNICATION: You must cease all
communication with me after being notified in writing that I no longer
wish to communicate with you. This debt is not valid, nor will be paid. This should be removed from all reports since its invalid.
Regards,
[redacted]

Penn Credit does not create the ticket, nor the amount of the ticket. The amount is placed for collection from Orange County Clerk of Courts. They forward the account with the address of record with Florida DMV. Penn Credit received the account for collection on 10/27/2016 with a provided address of [redacted] Way, Winter Garden, FL 34787. Penn Credit sent the first notice to that address on 10/28/2016. I do not know if Mr. [redacted] address in Florida is still an alternate address for him and/or has mail forwarded if received at that address. Penn Credit found an address for Mr. [redacted] on December 20,2016 and sent another notice to that address on or about 12/23/2016. The add-on according to Florida code is done at the time of placement, so balance due to time isn’t an issue. If Mr. [redacted] has any additional questions or concerns please have them address them though the Revdex.com.

Penn Credit received an email from the consumer providing the same response. Penn Credit did respond to the email and asked her to verify the last 4 of her SSN and if it was a match that there may be a possible red flag / fraud situation and would handle accordingly. If it is not please inform her that I will send a deletion item through E-Oscar; that should delete the Penn Credit trade-line

Penn Credit reviewed and investigated the complaint.    Please be advised that Penn Credit located [redacted]’s phone number in our data base and confirms we were calling the wrong number.  Penn Credit removed the wrong phone number and appreciates [redacted] bringing this issue...

to our attention. Penn Credit apologizes for any inconvenience this may have caused.  [redacted] won’t receive further communication regarding the matter.    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.   Please advise [redacted] to contact me directly if she has any questions or concerns.  My name is Thomas P[redacted], I can be reached toll free at ###-###-####; or emailed at [redacted]@penncredit.com.     Penn Credit apologizes for the inconvenience.   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 response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:this is not a true statement.  they are a bunch of crooks.  I only authorized a one time payment and that is it.  I was going to go back on when I had the money and make additional payments.  The postings online about this company are horrible.  I want my money back.
Regards,
[redacted]

Penn Credit reviewed and investigated the complaint.   Penn Credit confirms that Mr. [redacted] made a payment of $70.00 directly to the original creditor.  This payment was applied to the account in question, however there is still a remaining balance totaling $167.00.  I updated...

Mr. [redacted] dispute that this account is paid, and request he provides proof of payment or other supporting documentation reflecting a zero balance.  Once received, I will forward this information to the original creditor for verification purposes.     Per Mr. [redacted]’s request, I updated his file so he doesn’t receive further communication from Penn Credit regarding the matter.  Mr. [redacted] does make note that he requested verification of the debt, if he is still requesting this information, please have him contact me directly to provide consent.  Upon receiving consent, I will mail this information to him.   Please be advised the statement letter sent to Mr. [redacted] is compliant with the law.    Please notify Mr. [redacted] to contact me directly should he have any questions or concerns.  My direct line is ###-###-####, or he can email me at [redacted].   Thank you for your assistance in resolving this matter.

I have reviewed and investigated the complaint.
Penn Credit was calling a wrong phone number. On July 27, 2015 upon receipt of the Revdex.com complaint the number was blocked from receiving any additional calls. Penn Credit did not have any notification or request to stop the calls...

and that we were calling a wrong number.
If [redacted] receives any additional calls from Penn Credit she can take advantage of our wrong number OPT OUT that could be used by the conusmer and cease calls immediatley by following the wrong number instructions.
[redacted] will not receive any additional calls from Penn Credit. If she should please have her contact Thomas P[redacted], Vice President direclty toll free ###-###-#### or email him at [redacted]@penncredit.com.
Thank you for your assistance in the resolution of this matter

I have reviewed and investigated the complaint.
Penn Credit was calling a wrong phone number. On June 26, 2015 we received a call from [redacted] notifying us we were calling a wrong phone number and the number was immediatley blocked from receiving any additional calls.
Penn Credit only made...

approximately 5 calls duirng the month before we were notified of the wrong number. Penn Credit also offers a wrong number OPT OUT that could be used by the conusmer and cease calls immediatley by following the wrong number instructions.
[redacted] will not receive any additional calls from Penn Credit. If she should please have her contact Thomas P[redacted], Vice President direclty toll free ###-###-#### or email him at [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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:  I would like more clarity on the following two points:1.  How did Penn Credit have my phone number in their system to begin with, considering this phone number has been on the Do Not Call list since 2010.  2.  Is it legal to robo call numbers for which you have no prior relationship over debt collection?
Regards,
[redacted]

August 23, 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.  
           
            [redacted] notified Penn Credit we were calling an incorrect phone number on 8/8/2014,  after being notified the phone number in questions was incorrect we removed the phone number from our database.  I am not showing any additional phone calls being made after 8/8/2014. 
 
 
 
            Thank you for your assistance in the resolution of this matter
 
Sincerely,
 
Timothy F[redacted]
Collections Manager

Penn Creit did review and investigate the complaint.   Upon review I noticed that Mr. [redacted] asked for no more commuication; as required by law Penn Credit has ceased all communication.   If Mr. [redacted] requires any additional information please have him contact Thomas Perrotta directly toll...

free ###-###-#### or email him at [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:#1: My name is NOT [redacted]. (The name they give is not even mine!!!!!!!!)#2: I am not going to be responsible for that persons debt.
Regards,
[redacted]

Penn Credit reviewed and investigated the complaint.    Please be advised that Penn Credit has updated [redacted]’s dispute stating she never ordered merchandise from the original creditor.  Resulting from [redacted]’s dispute, Penn Credit closed and returned the account to the original...

creditor on September 25, 2017.  Please advise [redacted] that she will not receive further communication from Penn Credit regarding the matter.    Penn Credit has no record of previously speaking with [redacted] regarding the matter.  Penn Credit appreciates [redacted] bringing the matter to our attention and can assure her that she will not receive further communication from Penn Credit regarding the matter.   If [redacted] has any questions or concerns she can contact me directly.  My name is Thomas P[redacted], I can be reached toll free at ###-###-####; or emailed at [redacted]@penncredit.com.     Thank you for your assistance and resolution regarding the matter.

Penn Credit reviewed and investigated the complaint.    Please be advised that Penn Credit located [redacted]’ phone number in our data base and has determined that we were calling a wrong phone number.  Penn Credit has removed the wrong phone number and appreciates [redacted] bringing...

this issue to our attention. Penn Credit apologizes any inconvenience this may have caused.  [redacted] won’t receive further communication regarding the matter.    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.   Please advise [redacted] to contact me directly if she has any questions or concerns.  My name is Thomas P[redacted], I can be reached toll free at [redacted] extension [redacted]; or emailed [redacted]@penncredit.com.     Penn Credit apologizes for the inconvenience.   Thank you for your assistance and resolution regarding the 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]

Penn Credit did review and investigate the complaint. The 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 Pennsylvania. We can attempt to collect on the debt; we just can’t pursue legal remedies. The account in question can be reported to the credit bureaus for seven years which would be January 2017.
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

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because I believe an unfair practice is perpetrated among Penn Credit and Delaware Department of Transportation.  As stated many times before, I will gladly pay the toll amounting to $4.00, despite the fact that I had previously paid it with a toll booth operator to clear the debt.  Neither business is willing to compromise regarding resolution of this matter.
Lastly, I was in receipt of a letter from Penn Credit, after filing the letter of dispute, sent certified mail on July 22 2014, which I communicated to Penn Credit to cease communication as per Fair Credit Reporting Act, 15 US Section 1692c which states: (c) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
(1) to advise the consumer that the debt collector’s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Neither items 1, 2, or 3 of the act were followed, and it is my sincere belief that my rights as a consumer are in violation.  
Regards,
[redacted]

OLE_LINK2">April 30, 2014
 
 
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.  
           
            The State of Maryland Comptroller placed an outstanding balance in our office for collection on 4/14/2014 in reference to the tax year of 2012.   The required validation notice was mailed to [redacted] on 4/15/2014.   Below is the breakdown of the tax amount due. 
 
            Tax amount due = $473.22
            Interest amount due = $66.53
            Penalty amount due = $82.24
 
            Total amount due as of 4/29/2014 = $621.99.  
 
 
            I have requested our client provide additional details on the outstanding balance so we can forward to [redacted].  
 
            After reviewing the conversation [redacted] moved into the State of Maryland on October 19, 2012.   I would suggest [redacted] contact the State of Maryland Comptroller’s office to determine what her next step would be to resolve or dispute the outstanding tax amount. 
                
            Thank you for your assistance in the resolution of this matter
 
Sincerely,
 
[redacted]
Collections Manager

Penn Credit reviewed and investigated the complaint.   Penn Credit confirms that our records indicate the account referenced in this complaint was double paid to Penn Credit and the original creditor.  After receiving this notification from Ms. [redacted], Penn Credit reached out to the...

original creditor to validate.  Once confirmed, the original creditor advised Penn Credit to issue a refund. However, since Penn Credit remitted the payment to the original creditor, we had to wait for the original creditor to refund Penn Credit, so we could issue a refund to Ms. [redacted]. Once Penn Credit received the funds from the original creditor, we issued and mailed refund check number [redacted], in the amount of $166.60 to Ms. [redacted] on December 22, 2017.   Penn Credit apologizes for the delay and inconvenience.  If Ms. [redacted] still has not received her refund to date, please have her contact me directly.  My name is Thomas P[redacted], I can be reached toll free at 1-800-800-3328 extension [redacted]; or emailed at [redacted].     Thank you for your assistance and resolution regarding the matter.