Penn Credit Corp Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Penn Credit Corp is a debt collection agency active in Pennsylvania. It usually collects charged-off or delinquent consumer debt for other companies. Penn Credit can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Penn Credit Corp is violating your rights under the Fair Debt Collection Practices Act or other laws, please contact BCJ Law’s debt collection attorney for help. You can call us at 1-800-997-5561 or complete our contact form.

Who is Penn Credit Corp?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

Penn Credit Corp is a debt collection agency headquartered in Harrisburg, Pennsylvania. It does not own your debt. Instead, it is hired by other companies to collect debt on their behalf.

If you received a letter from Penn Credit, or if Penn Credit keeps calling you, that probably means it has been hired by a third party to collect a debt from you. PCC collects debts for various industries, including healthcare, telecom, utilities, education, and government.

Have consumers filed complaints about Penn Credit Corp?

Consumers have complained about Penn Credit Corp. A federal complaint database currently displays close to 900 complaints. Additionally, over 160 complaints have been filed with the Better Business Bureau (BBB).

If you have complaints about Penn Credit’s debt collection practices, visit our debt collection harassment page to learn how we can help. You also can complete our contact form or call 1-800-997-5561

What are common complaints about Penn Credit Corp harassment?

Debt collection agencies routinely violate the FDCPA. Here are common complaints of unlawful collection practices:

I. Complaints about calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Complaints about threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Complaints about other conduct.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

Will Penn Credit Corp sue me if I don't pay money?

Penn Credit Corp likely won’t initiate a lawsuit in its own name. That said, it is possible you’ll get sued by a debt buyer for a debt on which Penn Credit is calling, or by a credit card company, finance company, or other lender if the debt at issue is a consumer loan.

If you get sued for a debt, BCJ Law can help win your case. To learn how we win, read our debt defense page. If you get sued by a debt buyer, read this post: What is a Debt Buyer? 

How should I respond if Penn Credit keeps calling me?

There’s no correct way to respond to Penn Credit Corp calls and letters. That said, if Penn Credit keeps calling you, or if they keep sending letters, here are some tips for dealing with debt collection communications.

I. You can modify how PCC contacts you.

If you don’t want debt collection calls, you can tell Penn Credit to stop calling. You also can tell them when and where it can contact you. To learn more, read our posts on how to deal with debt collectors and debt collection robocalls.

II. PCC must disclose your right to verify your debt.

Within 5 days of first contact, Penn Credit Corp must disclose: your right to request debt verification; that verifications must be written; and that debts are assumed valid if a verification letter is not received within 30 days. To learn more, read our posts on how to deal with debt collectors and debt collection letters.

III. Keep a call log and any documents PCC sends you.

It’s good practice to document your interactions with any debt collection agency, including Penn Credit. For any calls you make or receive, keep a call log with dates, times, and the subject matter of each call. For any letters or emails, retain originals, or at least copies, so you can refer to them or review them with an attorney, if necessary.

What laws apply to Penn Credit Corp?

There are many federal and Pennsylvania laws that give you legal rights when interacting with Penn Credit Corp. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): This is a federal law that prohibits harassing, deceptive and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): This is a Pennsylvania law that prohibits many of the same practices the FDCPA makes unlawful.
  • Telephone Consumer Protection Act (TCPA): This is a federal law that prohibits debt collectors from making certain calls to cellphones without consent. It provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): This is a Pennsylvania law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): This is a federal law that prohibits debt collectors from reporting inaccurate information to credit reporting agencies. The FCRA also limits how debt collectors can access and use your credit report.

If you think Penn Credit violated your rights under these laws, learn how we can help by visiting our debt collection harassment page. You also can complete our contact form or call us at 1-800-997-5561.

Penn Credit Corp Harassing You? Hire BCJ Law to Help.

If you’re harassed by Penn Credit Corp, please contact BCJ Law for help. You can get damages, attorneys fees, and costs of suit for unlawful conduct. Contact our debt collection attorney for a free case review today. Please complete our contact form or call 1-800-997-5561.

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