Penn Credit Corporation, a debt collection agency, generates a lot of consumer complaints about debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Penn Credit?
Penn Credit Corporation is a third-party collection agency based in Pennsylvania. Penn Credit has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper conduct or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by Penn Credit Corp., make sure you understand your rights before responding.
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Is Penn Credit a scam?
They’re legit. According to the better Business Bureau Penn Credit Corporation is a debt collection agency located in Harrisburg, PA. The BBB indicates that the business was started locally and incorporated in 1987. The BBB opened its file on this collection agency about nine months after its initial founding. Buzzfile indicates Penn Credit Corp. has an annual revenue of $29.6 million and an estimated staff of 140 at its headquarters.
Who does Penn Credit collect for?
Penn Credit acts as a third-party collection agency for the following markets: consumer credit cards; commercial accounts receivable; direct marketing, including book, movie, and music clubs; student loan providers; state, county, and municipal debts such as taxes, traffic citations, and court fines; healthcare; retail credit; telecommunications; and utilities. It describes itself as a “cutting edge leader in the collections industry whose professionalism, ethics, and integrity…serve as a model for how collection agencies should be run.”
Its website lists affiliations with The Association of Credit & Collection Professionals (ACA International); American Association of Healthcare Administrative Management (AAHAM); Telecommunication and Risk Management Association (TRMA); Healthcare Financial Management Association (HFMA); International Parking Institute (IPI); and The Georgia Municipal Association (GMA). The Consumer FAQs link on the company’s About page contains information for consumers trying to pay a debt, including contact information; a link to an online pay portal; call center hours; information about the Fair Debt Collection Practices Act (FDCPA); information about the Fair Credit Reporting Act (FCRA); a link to the Federal Trade Commission (FTC); and a link to information about resolving consumer debt.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How Many Complaints are there against Penn Credit Corporation?
As of January 2018, the Better Business Bureau lists a total of 133 closed complaints against Penn Credit Corporation in the previous three years; 55 of these complaints were closed in the previous year. Of these complaints, 33 were resolved to the satisfaction of the complainant. Many of the complaints resulted from calls for unverified debts or excessive phone calls. In addition, there were 16 negative customer reviews of this company complaining of rude collection agents; inaccurate billing and reporting information; and excessive phone calls. The BBB had given the debt collection agency a rating of A-. Justia lists at least five different cases of civil litigation naming Penn Credit Corp. as the defendant.
Penn Credit Corporation 916 S 14th St Harrisburg, PA 17104-3425 Telephone: (717) 238-7124 Website: https://penncredit.com/
Can Penn Credit Corporation Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Penn Credit would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2017 Penn Credit Corporation was the defendant in a proposed class action filed in Virginia over alleged violations of the Fair Debt Collection Practices Act (FDCPA). The plaintiff claims he was sent collection notices by the defendant that listed 21 debts allegedly owed to the Virginia Department of Taxation. One of the listed debts was reportedly owed by the plaintiff for Virginia’s state income tax, which the lawsuit says was assessed more than seven years prior to the date on the collection notices. The plaintiff argued he did not owe the debt because collection of the debt was time barred by the state’s seven-year statute of limitations.
In another case in November 2015, a judge considered a default judgement against Penn Credit Corp for alleged violations of the FDCPA provision against excessive phone calls. The plaintiff in this case charged that, over a two-month period, Penn Credit made so many phone calls, including robocalls placed to a cellular telephone, that the debt collection agency violated provisions of the FDCPA.
Lemberg Law Client Lawsuits
June 5, 2017.On behalf of our client, Lemberg Law filed a complaint in U.S. District Court, Middle District of Pennsylvania. The case, against Penn Credit Corporation, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act and other relief.
When the phone rings and it is a debt collector, you can’t be blamed if your heart starts to race and your palms get a little sweaty. When you realize that the debt collector is trying to reach someone who doesn’t even live with you, that makes it even worse. Our client says that Penn Credit Corporation called her in an attempt to collect a debt from someone else. She contacted the debt collection agency to inquire about the calls, at which time the debt collector asked to speak with the person who owed the money. Our client advised the debt collection agency that the person who owed the money did not live with her and that they were not reachable at her phone number. She also asked them to stop calling her. Nevertheless, the debt collection agency continued calling our client in attempt to collect the other person’s debt.
September 20, 2015. On behalf of our client, Lemberg Law filed a complaint in U.S. District Court, Eastern District of Texas, against Penn Credit Corporation. Our client wrote a cease and desist letter PennCredit , telling them to stop calling her. Despite the letter, this collection agency continued to call.
The lawsuit charges that Penn Credit Corporation violated the Fair Debt Collection Practices Act (FDCPA) by continuing to contact our client after having received written notification from her to stop calling; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. The suit seeks statutory damages of $1,000, punitive damages, and other relief.
Penn Credit Corporation Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue Penn Credit for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
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“I received a scary call from a group saying that my credit card had been flagged for fraud. They threatened me that I needed to pay off $1,500 or end up incurring fees and fines. I knew this was likely a scam and I contacted Lemberg Law. You responded immediately and took over the case. I really appreciate the efforts of the entire legal team for putting an end to this nightmare.”