If you’ve been enduring Penn Credit debt collection harassment, you don’t have to anymore. Are you receiving repeated calls, threats, or annoying messages from Penn Credit about a debt? Whether you owe or not, Penn Credit does not have the right to harass you.
Debts, if unpaid, can impact your credit score and remain on your credit report, affecting your financial health and borrowing ability. Thankfully, laws like the Fair Debt Collection Practices Act (FDCPA) exist to protect you from illegal or abusive collection practices.
Who is Penn Credit Corporation?
Penn Credit Corporation is a third-party debt collector based in Harrisburg, Pennsylvania, operating since 1987. They collect debts assigned to them by original creditors, including utilities, hospitals, tolling authorities, and other institutions.
Address: 2800 Commerce Dr., Harrisburg, PA 17110-9307
Phone: (717) 238-7124 | (800) 800-3328
Fax: (717) 231-4849
They are legitimate but must comply with federal and state laws, including the FDCPA, to prevent harassment, deception, or abusive practices.
Who Does Penn Credit Collect For?
Government agencies: Tolling authorities and state entities
Hospitals and healthcare providers: Medical bills
Utilities companies: Electric, gas, water services
Other creditors: Businesses that assign debts
They do not buy debts; they act as a collection agent for the original creditor.
Penn Credit Phone Numbers
Following is the list of reported phone numbers that involved harassing consumers.
- 717-238-7124
- 800-900-1367
- 800-900-1300
- 800-900-1381
- 800-800-3328
- 800-798-2724
- 800-720-7281
- 800-900-1380
- 800-900-1388
- 800-900-1361
- 800-720-7290
- 800-900-1392
- 18009001380
Penn Credit Complaints & Reputation
Better Business Bureau website,: A+ rating, in business since 1987
Common complaints:
Multiple daily phone calls
Rude or unprofessional behavior
Attempting to collect already paid or incorrect debtsLegal filings: Sample PACER cases include:
5:19-cv-00142-JFL COULTER et al v.
2:19-cv-00882-WHW-CLW MARKGRAF v.
2:18-cv-10516-DSF-ADS Angeline Alexis v.
Signs of Penn Credit Debt Collection Harassment
Penn Credit harassment can take many forms, all of which are prohibited by the FDCPA:
Aggressive emails or letters
Contacting family, friends, or neighbors to discuss your debt
Recognizing these behaviors is the first step to protecting your rights.
What to Do When Penn Credit Calls About a Debt That Isn’t Yours
Check your credit report: Verify whether the debt is yours.
Request debt verification: Ask Penn Credit for written proof that you owe the debt.
Provide proof of payment: If you’ve already paid, send documentation immediately.
Take it legally: Send a certified letter disputing the debt within 30 days. Include:
Your name and address
Account number
Any supporting documentsConsider identity theft: If the debt isn’t yours, show proof and mention potential identity theft.
Under the FDCPA, you may even recover up to $1,000 in statutory damages for harassment. The TCPA may allow $500–$1,500 per illegal call for robocalls or unauthorized automated messages.
Recent Penn Credit Text Scam Messages
Many consumers report receiving messages like this:
“This message is from Penn Credit Corporation, a debt collector. Please contact our office at 833-237-6917 regarding an important business matter. Message & data rates may apply. Info:websitelink. To opt out, reply STOP.”
Tips:
Never click unknown links
Verify the sender’s identity
Keep a record of the message
Request debt validation before responding
How to Stop Penn Credit Debt Collection Harassment
Send a written cease-and-desist letter: Once received, Penn Credit must stop phone contact under the FDCPA.
File a complaint: Contact the Department of Banking & Securities (DoBS): 1-800-PA-BANKS (722-2657) or submit online.
Seek legal assistance: An experienced consumer law attorney can stop harassment and pursue damages.
Document everything: Keep records of calls, letters, and texts for potential legal action.
Penn Credit Corporation Reviews
Third-Party Collector, Not Debt Buyer: Many Reddit users explain that Penn Credit does not purchase debt. Instead, they work as a contracted agency on behalf of utilities, tolling authorities, and other creditors. The debt remains with the original company.
Aggressive Contact Complaints: On review sites, some people report that Penn Credit makes repeated phone calls, sometimes multiple times a day, and that their staff can be rude or unprofessional.
Disputes Over Accuracy: A number of consumers claim Penn Credit tried to collect debts that were already paid or incorrect, and in some cases did not provide enough proof of the debt when asked.
Legitimate but Mixed Reputation: Penn Credit is a legitimate, BBB-accredited collection agency with an A+ rating, but reviews are split. Some customers find them professional, while many others describe frustrating experiences.
How CONSUMER RIGHTS LAW FIRM Can Help?
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Penn Credit debt collection harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Penn Credit debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent Penn Credit debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “Great law firm. I was being harassed by Penn Credit debt collection harassment for a bill that wasn’t even due yet. Typed in the number that kept calling me, and I found their website. Sure enough, after that day I’ve not had another phone call from them since. They even got my balance remaining on the account to disappear. I really appreciate them, and if my situation sounds similar to yours, definitely give them a call, and they will take care of you.”
- 🏆 “Absolutely thrilled with the Consumer Rights Law Firm. Matthew put a stop to the harassment instantly and handled my case promptly, efficiently and much to my satisfaction. Matthew was extremely friendly, compassionate and communicative and made me feel at ease with the entire process, knowing I could trust
him to handle everything for me. The resolution was very quick and more than satisfactory. Appreciate Matthew and CRLF for protecting me and providing peace of mind.”
- 🏆 “Highly recommend this law firm! Derek, the attorney, helped me out with a debt collection case that was causing great distress. BIG thank you to Derek and his team for helping me through my case 5 stars all the way.”
FAQs
How to stop Penn Credit debt collection calls?
You can stop Penn Credit debt collector calls by sending a written cease-and-desist letter. Under the FDCPA, once they receive it, they must stop contacting you by phone.
Is this debt collection text a scam?
Penn Credit Corporation text messages can be real, but scammers also impersonate them and harass people through irregular pattern of phone calls and texts. Always confirm by calling the official Penn Credit phone number on their website.
Why is Penn Credit calling me?
Penn Credit is a third-party collection agency hired to collect debts such as tolls, utilities, or medical bills. They don’t own the debt—it still belongs to the original creditor.
Who does Penn Credit collect for?
They collect for government agencies, hospitals, tolling authorities, and utility companies. Penn Credit Corporation reviews show many complaints about toll violations and unpaid service bills.
What is the phone number for Penn Credit?
The main Penn Credit customer service line is (800) 900-1380. Always double-check this number on their official website before calling back.
How to dispute Penn Credit?
You have 30 days from first contact to dispute a debt in writing. Request debt validation and Penn Credit must provide proof before continuing collection.
I got a letter from Penn Credit, what does it mean?
It means Penn Credit is trying to collect a debt on behalf of another creditor. This could be a medical bill, a utility balance, or a Penn Credit toll violation.
Does Penn Credit send text messages?
Yes, Penn Credit sometimes sends texts about debts. If you’re unsure, don’t reply, call the Penn Credit collection agency directly using their verified phone number.
And if there’s a Penn Credit class action, how much will I get?
Class action settlements usually pay small amounts, often less than a few hundred dollars. The payout depends on the number of claimants and settlement terms.
