Business Profile

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Penn Credit Corporation

Complaints

This profile includes complaints for Penn Credit Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

218 total complaints in the last 3 years.
50 complaints closed in the last 12 months.

If you've experienced an issue

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have paid back payments due to Mass RMV through Penn Credit per our City's agreement with them. I originally began paying this as of March 1st and there always seemed to be an issue with payment. I was told to use a checking account as it would be faster but found out that it added 15 days to the process. As of today I have yet been cleared through Penn Credit even though they deducted the money from my account and they have not contacted the *** to let them know I paid it so that my Registration can be cleared. Please assist with this matter! I have no way of commuting at this point.
Business Response
Date: 04/15/2025
Penn Credit Corporation reviewed and investigated the complaint.

Please be advised that the account matter referenced in this complaint is paid. The payment was updated to the original creditor on April *******. We have confirmed with the original creditor that the hold on the registration has been lifted.

If Ms. ***** has any questions or concerns, she can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:04/01/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
08/08/2023 received traffic citation, paid in full March 2024 received 03/31/25 debt collection for said citation. I did call St Lucie Clerk of the court for Verification that citation has in fact been paid in full for over a year now
Business Response
Date: 04/11/2025
Penn Credit Corporation reviewed and investigated the complaint.

Penn Credit Corporation contacted the original creditor to investigate the matter. Please be advised that the account referenced in this complaint was removed from our office and returned to the original creditor on April 2, 2025.

As a result, Ms. ********* will not receive any further communication from Penn Credit Corporation regarding this matter.

Ms. ********* can contact me directly with any questions for Penn Credit Corporation. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:03/20/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This agency said **** ****** has an Indiana water bill from an address she has never lived at. i am her POA. Ms ****** has lived in the same home in ******** for over 30 years. I asked for detailed proofs so a police report could be made and they sent me a bill as proof?? Not acceptable and this assessment needs to be stopped by them. I have never seen anything from the actual water company on this so are they making things up?
Business Response
Date: 04/01/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a reputable company acting on behalf of the original creditor.

Penn Credit Corporation made the determination that the letter that Ms. ****** received was sent to a wrong address and does not pertain to her. We apologize for the inconvenience and request that she returns the letter to sender, shreds, or properly disposes of the letter.

Penn Credit removed the wrong address on file to prevent further correspondence from our agency regarding the matter.

If Ms. ******* has any questions or concerns for Penn Credit Corporation, she can contact me directly. My name is ***** ******,I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Customer Answer
Date: 04/01/2025
[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.]

Better Business Bureau:

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

Regards,

****** *******
Initial Complaint
Date:03/11/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To whom it may concern, I am not liable for this debt with City of Tallahassee Utilities. I do not have a contract with Penn Credit Corporation, nor they did they action in providing me with the original contract as requested.
Customer Answer
Date: 03/16/2025
Hello, thank you for you response! I am working with a financial advisor to get this sorted. Please note this additional context:
I am filing a complaint regarding a $708 collection reported by Penn Credit Corp on behalf of Utilities of Tallahassee. This debt was sent to collections after I had already moved out of my college apartment in ************

During my time as a student, I was not informed the apartments utilities were under my name. I moved out properly, only to be notified after leaving that I allegedly owed an additional months worth of utilities due to materials being left behind or not meeting a move-out deadline claims I believe are inaccurate and invalid.

Notably, if this claim were legitimate, I should not have received my security deposit back, yet I did, which further contradicts their justification for this charge.

Unfortunately, I initially believed this notification was spam (as did others I consulted) and deleted it, not realizing it was legitimate. By the time I realized the charge was real, it had already been sent to collections.

Since then, I have filed multiple disputes, both with the utility company and the collections agency, with no resolution. I have attempted to explain the situation and request proof of this alleged debt, but I have received no valid documentation or assistance.

This charge has now caused a derogatory **** on my credit report, which is unfair and damaging, given the lack of proper notice, proof, and the fact that I moved out in good standing.

Resolution Sought:
1.Immediate removal of this $708 collection from my credit report.
2.Proof of debt from Utilities of Tallahassee or Penn Credit Corp to justify this charge.
3.Investigation into the validity of this charge, as it was billed after my tenancy ended and contradicts my receipt of the security deposit.
Thank you so much for your help.
Business Response
Date: 04/14/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a third-party debt collection agency and are contracted with the original creditor. We did not purchase this debt.

According to the original creditor, this is a valid debt. If the consumer has proof this is not owed, I request that she provides it to us so we can forward it to the original creditor to investigate.

Penn Credit Corporation previously updated the consumers dispute and notified the credit bureaus as required by law. We have a record of previously mailing the consumer the verification of the debt. If the consumer did not receive the information. We ask that she provides us with her current address, and we will mail her another copy.

Due to the circumstances,Penn Credit Corporation will be sending a deletion notification to the credit bureaus. We report to all three of the major credit bureaus. (Transunion, Equifax, and Experian). We can only provide the information to the credit bureaus; we have no control on how long it takes them to update the information on their side.

If the consumer is claiming fraud/identity theft she will need to provide a filed police report from the *****************************, a fraud/identity theft affidavit, and proof of residency for the time frame in question. Once received, we will forward it to the original creditor to investigate. The original creditor will notify us of the results of their investigation, and we will update our records accordingly.

If Ms. ******* has any questions or concerns, she can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:02/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with Bay Area Credit Service. I do not have a contract with Bay Area Credit. They did not provide me with the original contract as requested.
Business Response
Date: 04/23/2025
Penn Credit Corporation reviewed and investigated the complaint.

Please be advised that Penn Credit Corporation is not associated or affiliated with the company listed in this complaint.

If the consumer has any questions or concerns,they can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Customer Answer
Date: 04/23/2025
This account violates FCRA and is not accurate and complete. This account needs deleted immediately.
Customer Answer
Date: 04/24/2025

Complaint: 22979216

I am rejecting this response because:This account violates FCRA and is not accurate and complete. This account needs deleted immediately.

Regards,

****** *****

Business Response
Date: 04/30/2025
Penn Credit Corporation reviewed and investigated the complaint.
Please be advised that Penn Credit Corporation did not purchase the debt. We are a third-party debt collection agency and are contracted with the original creditor.

According to the original creditor, this is a valid debt. If the consumer has proof this is not owed, I request that he provides it to us so we can forward it to the original creditor to investigate.

Penn Credit Corporation previously updated the consumers dispute and notified the credit bureaus as required by law. We have a record of previously mailing the consumer verification of the debt and we will mail him another copy to his current address.

If Mr. ***** has any questions or concerns, he can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Customer Answer
Date: 05/06/2025
Documents provided by Penn Credit Corp are incomplete. The statement provided is missing about 8-9 months of billing information. This does not constitute a complete and accurate account of collections in question. Remove this account immediately!
Business Response
Date: 05/14/2025
Penn Credit Corporation reviewed and investigated the complaint.

As previously mentioned, according to the original creditor, this is a valid debt. The original creditor has a record of the consumer contacting their office on May 7, 2025, to discuss the account and stated that he will be making payment to Penn Credit Corporation.

Penn Credit Corporation is in compliance with all applicable laws and previously updated the consumers dispute and notified the credit bureaus as required by law.

If the consumer has any questions or concerns,he can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Customer Answer
Date: 05/21/2025
Mr. ****** has falsely represented my conversation with Peco. There was no conversation about paying Penn Credit Cop, this was not conveyed to Peco directly or implied. Knowingly or ********************** has fraudulently reported the contentment's of that phone call. Please review attached documentation.
Business Response
Date: 06/11/2025
Penn Credit Corporation reviewed and investigated the complaint.

As previously mentioned, according to the original creditor, this is a valid debt. The original creditor has a record of the consumer contacting their office on May 7, 2025, to discuss the account and we were advised that the consumer will be making payment to Penn Credit Corporation.
Penn Credit Corporation has sent the additional documents provided in this complaint to the original creditor to further investigate. Once we get a response from the original creditor, we will notify the consumer of their response.
Penn Credit Corporation is in compliance with all applicable laws and previously updated the consumers dispute and notified the credit bureaus as required by law. However, please be advised that due to the circumstances, Penn Credit Corporation has sent a deletion notification to the credit bureaus.
We report to all three of the major credit bureaus. (Transunion, Equifax, and Experian). We can only provide the information to the credit bureaus; we have no control over how long it will take them to update the information on their side.
If the consumer has any questions or concerns,he can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:02/21/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for this debt with 10 CITY OF ************ and I do not have a contract with PENN CREDIT CORP plus they did not provide me with the original application like I asked. Account No: *****************Amount Disputed: $577.00
Business Response
Date: 03/12/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a licensed third-party debt collection agency that is contracted with the original creditor. We did not purchase this debt.

Penn Credit Corporation recently received and responded to a similar CFPB complaint from the consumer regarding this matter.

As explained in the **** complaint, we updated the consumers dispute, and we will notify the credit bureaus as required by law. Due to receiving this dispute after the validation period expired, and due to the consumers request to cease and desist further communication regarding the matter, the consumer will not receive further communication from our office regarding this matter, pursuant to her request. If the consumer is requesting verification of the debt, she will need to contact our office to provide consent.

If the consumer is claiming fraud/identity theft, she will need to provide an FTC Identity Theft Affidavit and police report. Once received, we will forward the documentation to the original creditor and update the consumers fraud/identity theft claim as required by law. The original creditor will investigate and notify us of the results of their investigation.

Penn Credit Corporation wants to help bring resolution to this matter. If the consumer has any questions or concerns, she can contact me directly. My name is ***** ******, I can be reached toll free on ***************************** or by email at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:02/20/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I contacted Penn Credit due to a collection that came up in my credit report, I spoke with a worker who then transferred me to the supervisor ****. **** was extremely unprofessional and unwilling to help and explain various questions and concerns I had due to the collection Penn Credit had placed in my credit. After requesting more information on the deletion of the collection on my account he refused to listen fully to my concerns, continued on to interrupt me while speaking in a very unprofessional tone and even hung up on me after seeking further explanation and clarification. Penn Credit was unhelpful, disrespectful, and unwilling to work with me due to my concerns of their collection on my credit report. They never contacted me or made an attempt to contact me prior to placing a collection on my credit, failed to show proof of the original contract, and did not verify the validity of my personal information.
Business Response
Date: 03/06/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a third-party debt collection agency and are contracted with the original creditor.

Please be advised that the account matter referenced in this complaint is paid. The payment was updated by the original creditor to our office on January 20, 2025. We updated and notified the credit bureaus that the account is paid on January 30, 2025, as required by law. Due to the circumstances, Penn Credit Corporation sent a deletion notification to the credit bureaus on February 25, 2025.

Penn Credit Corporation is a reputable company, and we take complaints very seriously. We will conduct a follow-up investigation regarding the complaint made against our agent. If applicable, the matter will be addressed and handled accordingly pursuant to our company policies and procedures.

If the consumer has any questions or concerns,he can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:02/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I'm not liable for this debt with **********************, I do not have a contract with PENN CREDIT CORP, they did not provide me with original signed contract as I requested.
I was not living at location for most of the time frame billed . And did not receive original signed contract from ****************************
Customer Answer
Date: 02/07/2025
I was not living at location for most of the time frame billed . And did not receive original signed contract from ****************************
Business Response
Date: 02/19/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a third-party debt collection agency and are contracted with the original creditor.

Penn Credit Corporation updated the consumers dispute and requested verification of the debt from the original creditor, and we will mail a copy to the consumer pursuant to her request. Penn Credit Corporation notified the credit bureaus of the dispute as required by law.

According to the original creditor, the balance due is valid and is the final bill for the account in question. The original creditor has no record of the consumer contacting them to cancel services. The services were not disconnected until July 29, 2024, when a new customer contacted the original ************************ to establish new services for the address.

If the consumer has proof this is not owed, I request that she provides it to us so we can forward it to the original creditor to investigate.

If the consumer has any questions or concerns, she can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:01/27/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The toll booth did not bill my toll transponder and I did not know this until I received a collections letter. The toll was for $6.77 however Penn Credit tacked on an additional $76.50 in exorbitant fees. I begrudgingly paid the entire bill which totaled $83.27. Now they are attempting to collect another $83.27 from me even though I have not been through another PA tollbooth. At best this is an accidental duplicate bill and at worse it is flagrant fraud. I want the $76.50 refunded and the duplicate toll and associated fees removed from my account without payment. I will not pay the toll and insane fees twice.
Business Response
Date: 02/03/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a third-party debt collection agency acting on behalf of the original creditor. According to the original creditor, this is a valid debt.

Penn Credit Corporation confirms that Mr. ***** made payment on account number ********** regarding statement number ********** for the total amount of $83.27 on January 2, 2025.

Please be advised that the original creditor placed a second account with ******************** on January 14, 2025, with the same account number of ****************** it has a different statement number of ********** with the same amount due of $83.27. Penn Credit Corporation does not add additional fees. The original creditor is authorized to impose additional fees pursuant to the Code of ******** 46.2-819.3:1.
Please be advised that the statement number ********** referenced in this complaint was removed from our office and returned to the original creditor on January 31, 2025. We do not know the status of this account. Mr. ***** will need to contact the original creditor directly to further discuss this matter.

Please be advised that the tolls in question are not in reference to Pennsylvania tolls.

Mr.***** can contact me directly with any questions for *********************** name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.
Initial Complaint
Date:01/04/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am not liable for the debt with ***. I do not have a contract with Penn Credit Corporation. They did not provide me with the original contract as I requested.
Business Response
Date: 01/17/2025
Penn Credit Corporation reviewed and investigated the complaint. We are a third-party debt collection agency and are contracted with the original creditor.

According to the original creditor, this is a valid debt. If the consumer has proof this is not owed, I request that she provides it to us so we can forward it to the original creditor to investigate.

Penn Credit Corporation previously updated the consumers dispute and notified the credit bureaus as required by law. We have a record of previously mailing the consumer the verification of the debt and we will mail her another copy.

If Ms. ******** has any questions or concerns, she can contact me directly. My name is ***** ******, I can be reached toll free at ***************************** or emailed at ************************************************************************.

Thank you for your assistance and resolution regarding the matter.

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