I am filing a complaint regarding an alleged debt being collected by Penn Credit Corporation. I have received collection notices regarding toll charges tied to license plates and/or a vehicle that I no longer owned or possessed at the time the charges were incurred. I dispute this debt and have requested validation. The collector is attempting to collect a balance of {$2700.00} without providing sufficient proof that I was responsible for the vehicle at the time of the alleged tolls. This situation appears to involve inaccurate or outdated vehicle ownership records and improper collection activity. I am requesting : Full investigation of this matter Verification of the debt and ownership timeline Immediate cessation of collection efforts if the debt can not be validated Removal of any related negative credit reporting I believe my rights under the Fair Debt Collection Practices Act have been violated.
CFPB COMPLAINT DATABASE
Penn Credit Corporation
86 real consumer complaints filed against Penn Credit Corporation at the Consumer Financial Protection Bureau in the last 12 months. 0 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Attempts to collect debt not owed45
- 02Written notification about debt13
- 03False statements or representation10
- 04Incorrect information on your report6
- 05Took or threatened to take negative or legal action5
Top states filing
Recent complaints
The 30 most recent complaints against Penn Credit Corporation where the consumer chose to publish their narrative.
XXXX XXXX XXXX, the previous electric utility provider I had in Arizona, filed a collection against me WITHOUT informing me that I had an outstanding bill. I moved out of the state and they did not generate the bill until long after I had left. I did not learn of the collection until I applied for a mortgage. Upon learning, I quickly called and paid the bill in XXXX of 2024. I was told that it would NOT affect my credit score. It did. I have not missed a single payment in my entire life. Not once. This collection dropped my credit score down to XXXX, resulting in us not being able to afford the higher payment we were quoted for a mortgage. I disputed it with all three credit bureaus and those are pending currently. I am making this complaint before I sue them. I work as a compliance officer for a bank, and can not believe a utility company is permitted to do this to someone.
XXXX XXXX XXXXXXXX XXXX Pl XXXX, XXXX XXXX Date : XX/XX/year> To : AND Florida Attorney General Consumer Protection Division Consumer Financial Protection Bureau ( CFPB ) RE : FORMAL COMPLAINT UNLAWFUL COLLECTION BY PENN CREDIT CORPORATION Account ID : XXXX Creditor : Florida Department of Transportation ( FDOT ) Amount : {$21.00} SUMMARY OF COMPLAINT I am filing this complaint against Penn Credit Corporation and the Florida Department of Transportation ( FDOT ) for unlawful, inaccurate, and deceptive debt collection practices regarding an alleged unpaid toll account. FACTUAL BACKGROUND XXXX. I maintain an active XXXX account that is current and reflects a XXXX balance. XXXX. My most recent toll payment was made on XX/XX/year>, in the amount of {$3.00}, and all obligations were satisfied. XXXX. I have never received any prior bill, invoice, or notice from XXXX indicating any unpaid tolls before this account was sent to collections. XXXX.…
I have frozen my credit at all XXXX credit agencies due XXXX continued fraudulent activity surrounding identify theft. However this month XX/XX/year> I noticed a major decline in my XXXX XXXX, upon investigating I was able XXXX see that XXXX XXXX has filed a negative collection against me for what appeared XXXX be a XXXX account in the state of PA. Being that I do not own, rent, or reside in any property outside of the state of MI I disputed the claim with all XXXX credit agencies and proceed XXXX contact XXXX XXXX explaining the account was not mine and requesting they provide all of the required information, to which they refused XXXX only threatened me XXXX made requests of my personal information. They have still failed XXXX remove the claim from my credit reports XXXX have not provided any of the requested information XXXX date. This has resulted in my XXXX XXXX dropping from over XXXX XXXX around XXXX, all while I am attempting XXXX purchase a new automobile.…
XXXX XXXX started harassing me last year when they sent me unpaid toll violations dating back to XXXX of 2022, including time when I was in a hospital. They sent me several notices over the course of the first few months of last year until the fall stating that I had been running tolls that took place while my vehicle was out of commission. Every date mentioned was on the same date every month for a period of XXXX months or so. I still obliged and paid in full using their online portal. After I did that- not even a month later- I received ANOTHER request to pay for a ANOTHER license plate after I voluntarily relinquished my car just to avoid any more fees. They called me and told me that I had to pay THAT DAY, THAT THEIR Client - XXXX XXXX was in the office and wanted an answer that day. For all dates they claimed I violated, they attached accommodating fees for notices I NEVER received by mail.…
I am filing this complaint due to inaccurate, inconsistent, and unverifiable information being reported on my credit file across multiple credit reporting agencies. After reviewing my credit reports from XXXX XXXX, and XXXX I identified multiple accounts that are not reporting consistently across all three agencies. This includes differences in account status, payment history, and derogatory classifications. For example, certain accounts are reported as current on XXXX bureau but derogatory or charged-off on another. This is a direct violation of 15 U.S.C. XXXX ( b ), which requires maximum possible accuracy, and 15 U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ), which requires deletion of unverifiable information.…
Upon receipt of the notice for payment, I communicated with XXXX XXXX XXXX XXXX over my concern for the integrity of their system. I objected according to the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C. 1681 et seq. To protect my good name and reputation, I shared with the County at the time that the law also includes the amendments to the FCRA outlined in the Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208, the Omnibus Consolidated Appropriations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1 ), Section 311 of the Intelligence Authorization for Fiscal Year 1998 ( Public Law 105-107 ), the Consumer Reporting Employment Clarification Act of 1998 ( Public Law 105-347 ), Section 506 of the Gramm- Leach-Bliley Act ( Public Law 106-102 ), Sections 358 ( g ) and 505 ( c ) of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA PATRIOT Act ) ( Public Law 107-56 ), the Fair and…
XXXX RECEIVED A LETTER VIA USPS STATING AN ATTEMPT TO COLLECT A DEBT BY PENN CREDIT CORPORATION FOR FLORIDA DEPARTMENT OF TRANSPORTATION FROM XXXX IN THE AMOUNT OF {$28.00}. I RESEARCHED THIS ON XXXX XXXX WEBSITE AND CALLED XXXX XXXX XXXX NUMBER AND A REPRESENTATIVE SEARCHED BUT DID NOT FIND ANY SUCH VIOLATION OR FEE ASSOCIATED WITH MY NAME ADDRESS OR XXXX XXXX ACCOUNT NUMBER, PENN CREDIT PROVIDED IN THE LETTER. I CALLED PENN CREDIT AND WAS BEING DIRECTED TO PAY THIS DEBT IMMEDIATELY AND WAS FORWARDED TO A COLLECTION OPERATOR WHO WANTED MY BANK ACCOUNT NUMBER. I HUNG UP THE PHONE AS A SCAM. I THEN SENT A REQUEST BY EMAIL TO XXXX, REQUESTING VERIFICATION AND VALIDITY OF THIS DEBT. NO RESPONSE FROM ANYONE. I DO NOT HAVE THE ADDRESS ON THIS LETTER, SO IM NOT SURE HOW I RECEIVED IT. IN XXXX I HAD A TRANSPONDER IN MY VEHICLE WHICH WOULD HAVE COVERED ANY SUCH LEGITIMATE TOLL CHARGES.
I am filing this complaint regarding a debt collectors failure to properly respond to my dispute in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. On XX/XX/year>2026, I sent a written dispute and request for validation of the alleged debt. My letter clearly requested specific information, including but not limited to : full validation of the debt, itemization, proof of authority to collect, and responses to specific questions regarding the account. The debt collector failed to respond within a reasonable timeframe ( over XXXX days elapsed ), and when they did respond, they provided only limited documentation that does not satisfy my full request for validation. Specifically, they merely provided what they claim is proof of debt, while ignoring the majority of my requests and questions outlined in my original dispute letter. This incomplete and delayed response does not constitute proper validation under the FDCPA.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
Company : PennCredit Original creditor : XXXX XXXX XXXX XXXX XXXX Account reference : XXXX Original account number : XXXX Amount : {$700.00} Date of service : XX/XX/year>XXXX I am filing a complaint regarding an attempt to collect a medical debt that I do not owe. On XX/XX/year>, I experienced a XXXX XXXX and was transported by ambulance from my home to the emergency department at the XXXXXXXX XXXX XXXX XXXX, which is approximately three miles away. I am a XXXX XXXX XXXXXXXX veteran who receives all of my medical care through the U.S. Department of Veterans Affairs. Because I am a XXXX XXXX XXXX XXXXXXXX veteran, emergency transportation related to my medical care should be covered by the VA through the XXXX XXXX Veterans Health Administration Office of Community Care . I specifically instructed XXXX to transport me to the VA hospital for this reason. However, XXXX XXXX XXXX incorrectly billed my private insurance instead of the VA.…
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.
In [ XX/XX/2026 ], I discovered a debt on my account that I did not authorize. This debt appears to be the result of fraud. I did not open this account, make any charges, or consent to any transactions associated with it. Once I became aware of the issue, I contacted the company to dispute the debt and requested verification. Despite this, the debt is still being reported. I am requesting that this fraudulent debt be investigated, removed, and corrected
Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide proper validation. Specifically, please provide : The name and address of the original creditor. The full account number associated with the alleged debt. A complete itemization of the amount claimed, including principal, interest, fees, and any other charges. Documentation bearing my signature that demonstrates I agreed to assume this debt. Proof that your company is legally authorized to collect this debt in my state. A copy of any assignment or transfer documents showing that your agency has the legal right to collect on this account.…
Penn Credit Corporation is attempting to collect and report an alleged debt that I dispute in its entirety. This was my first notice of the alleged debt. I did not receive the written notice required under 15 U.S.C. 1692g ( a ). Upon receiving their communication, I timely disputed the debt in writing and sent a formal validation demand via Certified Mail. Penn Credit Corporation received my dispute and validation demand. More than XXXX days have passed. They have failed to provide any documentation validating the alleged debt as required by 15 U.S.C. 1692g ( b ). Despite receiving my dispute, they continue to furnish derogatory information to consumer reporting agencies.…
Says i owe {$79.00}! and {$10.00} owed immediately. I checked my publishers clearing house and account and no order history or money owed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Identity stolen and was scammed and receive scam letters alot. I checked all my emails, account and information. I had zero balance when I checked. Reference XXXX. I am disputing all debt. They were considered fraudulent anyways. Everything should have been written off. I received money back from settlement for this amount. I am not paying it back settlement. I disputing this debt and claim against me.
I filed a complaint with Penn Credit Corporation regarding a collection place on my report. I was not notified before the collections account was placed on my report. When they responded to my complaint, they indicated that they sent a debt validation notice to me ; however, that notice was sent to the incorrect address. I informed them of such mishap, and after such, they never responded.
Penn Credit Corporation is attempting to collect a utility debt on behalf of XXXX XXXXXXXX XXXX XXXXXXXX despite the fact that this alleged account was previously identified as identity theft and permanently blocked and removed from my nationwide consumer reporting agency disclosures pursuant to 15 U.S.C. 1681c-2 ( a ). XXXX XXXXXXXX XXXX XXXXXXXX received actual notice of my identity-theft status when the consumer reporting agencies transmitted the identity-theft block and removed the tradeline, confirming that the account was fraudulent and derived from compromised personal identifiers. The service address Penn Credit relies upon is not an address I have ever resided at or authorized service for and is itself a fraudulent address resulting from identity theft. Notwithstanding this actual notice at the creditor level, Penn Credit initiated new collection activity using the same compromised identifiers and treating the matter as an ordinary consumer debt.…
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. For your reference : * Name : XXXX XXXX * Account Information : * Creditor Name : PENN CREDIT CORPORATION ( XXXX ) XXXX * Account Number XXXX Under the FDCPA, you are required to provide proper verification of the debt before continuing any collection activity, including reporting to the credit bureaus. Proper validation includes, but is not limited to, the name of the original creditor, the amount of the original debt, an itemized breakdown of any interest or fees, and documentation bearing my signature showing that I agreed to this obligation. Because you have failed to provide the requested validation, this debt remains disputed. Any continued collection efforts or reporting of this account without providing proper verification may constitute a violation of federal law. Sincerely, XXXX XXXX
Whom It May Concern, I am writing in response to your communication on regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of this debt. Please provide the following information : Proof of Debt : The name and address of the original creditor and the original account number. Verification of Amount : A complete itemized statement of the amount owed, including any interest or fees added since the last billing statement from the original creditor. Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state. Ownership History : Evidence that you own this debt or have been assigned the right to collect it. If you fail to provide this validation within 30 days, you must cease all collection activities immediately. Furthermore, if this debt is reported to any credit bureaus, please ensure it is marked as " disputed. '' Sincerely,
I am filing a formal complaint regarding an incorrect utility debt being repeatedly and improperly assigned to me by XXXX XXXX ( XXXX ), and subsequently sent to collections in error. I formerly occupied the commercial/residential space located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX I vacated the premises on XX/XX/. Any utility charges incurred after that date are not my responsibility and belong to the current owners or occupants of the property. Since moving out, I have contacted XXXX multiple times ( more than four occasions ) to report that this balance does not belong to me. On each occasion, XXXX acknowledged the error and removed the balance from my account. However, the same incorrect charges were later re-applied, only to be removed again, and then re-applied once more. This has occurred repeatedly over an extended period of time.…
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Penn Credit Corporation is attempting to collect on Ticket Number XXXX / Case Number XXXX while improperly using my federally protected trademark name, XXXX XXXX XXXX, XXXX Serial Number XXXX, without authorization, license, or lawful basis. This constitutes false representation of identity, misuse of a federally protected trademark in a commercial debt collection activity, and unfair and deceptive practices. Despite written notice, XXXX XXXX has failed to provide lawful validation, proof of authority, or a complete accounting of the alleged obligation. I issued a Notice of Rights Reserved and Demand for XXXX pursuant to UCC 1-308 and 9-210, which remains unanswered. Their conduct violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) and CFPB XXXX standards by using misleading representations and attempting to collect without lawful standing or disclosure.
I am submitting this complaint because a debt collector violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, a representative of Penn Credit called my XXXX grandmother, from number ( XXXX ) XXXX, regarding a debt they claimed I owe. During the call, they discussed details about the debt ( cost ) and asked her to verify my personal information, including my address and phone number. My grandmother is XXXX and has XXXX XXXX, and she was not able to meaningfully verify this information. I believe this is a violation of the FDCPA because debt collectors are prohibited from disclosing or discussing debt information with third parties other than the consumer, the consumers spouse, or the consumers attorney. They also may only ask for minimal location information, not verification of identity details, which they unlawfully attempted in this call. I am requesting that the CFPB investigate this practice by Penn Credit and take appropriate action.…
Penn Credit Corporation has placed a collections account on my credit report for the amount of {$2600.00}. Prior to this debt being placed on my credit report, I had no knowledge of this debt. Please take into account that I never received a debt validation notice. Penn Credit Corporation is in violation of U.S. Code 1692g, which requires debt collectors to send a debt validation notice within five days of initial contact, detailing the debt amount, creditor, and consumer 's right to dispute within 30 days ; if disputed, collectors must stop collection and provide validation, and can not report to credit bureaus until validated.
They called stating my full name and that they are from Penn Credit. I asked what are the calling about, I do not have an account with Penn Credit and they are not reflected on my credit report. The response is they are calling about a business matter and I need to provide my personal information before they can proceed. This seems to be a scam since I dont have any credit relationship with them.
On XX/XX/year>, I submitted a dispute for a medical debt. They ignored most of my requests and provided a document that I do not believe should have been charged to me. I am merely asking for a complete itemized statement, chain of custody and assignment documentation for this debt, XXXX documentation, documentation of medical charges and an explanation of benefits, and XXXXXXXX XXXX XXXX compliance. If they can respond satisfactorily with this information, perhaps the dispute could be settled, but it is not at this time.
I am writing in response to the account that appears on my credit report. I do not recognize this debt and have no knowledge of it. I have never received any billing statements, contracts, or prior notice regarding this account. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. Please provide competent evidence that I am legally obligated to pay, including but not limited to : 1. The name and address of the original creditor 2. The complete account history 3. The amount allegedly owed and how it was calculated 4. A copy of any signed contract or agreement bearing my signature 5. Proof that you are authorized to collect on this debt Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and verifiable information. Until proper validation is provided, this account must be removed from my credit report.…
Penn Credit Corporation began reporting a collection account on my Experian credit report on XX/XX/XXXX for an alleged XXXX XXXX balance of {$550.00}. The underlying utility account relates to a residence I vacated in XXXX after requesting that the service be closed or transferred out of my name from XXXX XXXX on XX/XX/XXXX. After the collection appeared on my credit report, I disputed the debt in writing by postal mail and email on XX/XX/XXXX and formally requested full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). My certified letter/email was successfully delivered. Penn Credit Corporation failed to provide any validation or documentation within the required XXXX period. I also disputed this account directly with Experian on XX/XX/XXXX. Despite my dispute and Penn Credit Corporations failure to provide me with validation, Experian reported that the debt was verified and did not remove it from my credit report.…
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