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Penn Credit Corporation

Penn Credit Corporation has been in business since 1987, and is proud that they’ve broken into the list of the top 25 debt collection agencies in the country. They have offices in Phoenix, Arizona; Mt. Laurel, New Jersey; and Harrisburg, Pennsylvania. Penn Credit Corporation collects on behalf of a range of industries: bankcard, direct marketing, education, government, healthcare, retail, telecommunications, and utilities. While it doesn’t appear as though Penn Credit Corporation is a debt buyer, the debt collection agency does collect on behalf of debt buyers.

One thing that sets Penn Credit Corporation apart from many other debt collection agencies is that they seem to focus on small debts. The debt collection agency will collect on accounts with balances as low as $15. Conceivably, you could hear from them if you didn’t pay your book club bill or your television shopping network invoice.

Penn Credit Corporation Complaints

As of March 2013, the Better Business Bureau gave Penn Credit Corporation a C- rating. The BBB logged 208 closed Penn Credit Corporation complaints within the previous three years, including 77 closed Penn Credit Corporation complaints within the previous 12 months. In 2012, there were more than a dozen Penn Credit Corporation lawsuits filed alleged that the debt collection agency violated the Fair Debt Collection Practices Act.

Stop Penn Credit Corporation Calls

If you’re ready to stop Penn Credit Corporation calls, it’s critical that you know which debt collection tactics have been deemed illegal. Here’s a recap of illegal debt collection activities:

Locating you:

  • Telling your friends, family members, or coworkers that you owe a debt
  • Calling friends, family members, or coworkers more than once
  • Communicating with people you know via postcard
  • Sending letters with debt collection information on the envelope

Contacting you:

  • Communicating with you via postcard
  • Sending letters with debt collection information on the envelope
  • Continuing to contact you after you’ve retained an attorney
  • Contacting you at a time or place that’s inconvenient
  • Calling before 8:00 a.m. or after 9:00 p.m.
  • Calling you at work if your employer prohibits outside calls
  • Contacting you after you’ve written a “cease and desist” letter

Intimidation and harassment:

  • Threatening to harm you, your reputation, or your property
  • Using obscene or profane language
  • Publishing your name in conjunction with your debt
  • Calling you and hanging up
  • Calling you repeatedly
  • Threatening you with imprisonment, wage garnishment, or loss of property
  • Saying you’ve committed a crime

False representation:

  • Implying that he’s a government representative
  • Representing himself as an attorney
  • Sending you documents that mislead you into thinking they’re from the government or a court
  • Failing to disclose that he is collecting a debt
  • Using a false name or false company name


  • Trying to collect more than is owed
  • Depositing postdated checks prior to the date written on the check
  • Applying a payment made toward one debt to a disputed debt
Penn Credit Corporation Contact Information

Penn Credit Corporation
916 South 14th Street
Harrisburg, PA 17104


6 thoughts on “Penn Credit Corporation
  1. I have no dept issues, yet they continue to call my house for other people with my last name, i have called them 3 times to remove my number, they say they did but the call keep coming. Today 7/24/2013 they called at 12:30. Icalled back told them not to call and they told me they removed my number, they told me this before. What can I do?!!

  2. these people keep calling my mom and they would not tell her whom they were when they kept calling and looking for me but she finally called the number to find out who this creditor was I have never heard of them and do not know how penn credit corp got my moms phone number. what do I do?

  3. I received a letter from PennCredit for the first time a week ago. On the letter it clearly state:
    CLIENT: Miami Dade Clerk of Courts
    Service Rendered: Traffic Violation FAILURE TO PAY REQUIRED TOLL
    Service Date 2012/20/29
    BALANCE: $248.70

    I called them immediately and they confirmed my name address and asked for my letter’s ID NUMBER, after which I told them they asked me for my DOB! I explained to them the severity of sending a letter stating that I have committed a traffic violation in Miami Dade from the Clerk of Courts and advised them that I have not been to Miami, or lived in Miami for over 22 years.
    They insisted I need to give them my DOB and the last four digits of my Florida Driver’s License. At that point I advised them that they were in violation of Federal Law:
    False representation:

    Implying that he’s a government representative
    Representing himself as an attorney
    Sending you documents that mislead you into thinking they’re from the government or a court
    Failing to disclose that he is collecting a debt
    Using a false name or false company name

    At that point they hung up on my call!

    What can I do, they have contacted several credit bureaus and now I have this debt that is a false Miami Dade Clerk of Courts traffic violation that I verified with the Clerk of Court in Miami under traffic violation and they advised I did not have ANY outstanding traffic violations!!

    Please help, I need to clear my credit standing with several credit bureaus. Please advise anyone if you have any suggestions or steps I would need to start off with to clear this from my credit.

    Helpless in Florida!!!

    • PennCredit sent me a demand for over $500.00 for 2 $.75 violations that they state occurred on 5/2/2007, with no knowledge to me (plus my wife drives that vehicle), yes 2007. All these years later, they are now threatening me with suspending my drivers license. I am retired, on disability for Parkinson’s and only receive $920.0 a month.

      What do I do, I need to drive to my doctors appointments.

  4. PENN CREDIT IS A COMPLETE SCAM… I received a so called “collection’s letter” from them today for a supposed cell phone unpaid debt from Verizon wireless. Funny thing is, I’ve never used Verizon… ever! The bill says $902.12 for the unpaid debt, plus 162.38 for the Collection Fee… a total of $1064.50… but under that it says “SETTLEMENT AMOUNT” $426.00 they sent me a bill for $426.00 when I’m supposed to owe 1064.00 ? What collection agency would EVER do that out of the gate??? Did a search for Penn Credit Scam and I got a LOAD of information from others they’ve tried to scam. This is NOT a legit company.

    • Penn Credit isn’t a scam I have worked for the company for 12yrs and we are hired to collection for different clients and Verizon Wireless is one of them and it the bills were paid to start you wouldn’t be in collections

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