Consumer complaint received 2023-04-18
Company: Penn Credit Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from a company who identifies themself at " PennCredit Corporation. '' They assessed a debt from XXXX to me which apparently occurred anywhere from XXXX 

At no time have I ever been contacted by XXXX or XXXX to settle an outstanding debt. XXXX has a valid, direct line to my checking account for my current XXXX. There is no need for a collection agency. This debt is not valid. 

The debt company PennCredit Corporation and subsequent claim is false and fraudulent. I base this conclusion on several factors. No license plate is cited on their Notice of Collection. No location is cited. No time is cited. No date is cited. Their website is a front ( I'm a web designer, it's so poorly created they really should be embarrassed. ) Under Payments, they accept Traveler 's checks. Come on. Nothing screams SCAM more than accepting Traveler 's Checks. How about I pay them in XXXX XXXX cards? Anyways, I'm reporting them to you, the Massachusetts AG office, and XXXX. Hopefully someone will drive them out of business, pun intended. 

I have written the following to them to follow the terms of disputing a charge within 30 days of notification. I am playing their game as I notify the agencies needed to stop their continued fraudulent activities. 

" I received a bill assessing {$29.00} in charges for tolls or fees occurred in the time period XXXX. I dispute these charges. If they were legitimate, you would have the exact date, my license plate identification, and the time and place where this happened. 

This is a scam. PennCredit is not a legitimate agency or fee. If you feel I am mistaken, please provide photographic evidence including a clear photo of the vehicle, the plate, the driver. Include the date, time and place where this took place. 
I also want a detailed explanation, in writing, why this charge was never assessed or attempted to be assessed for the past five years. 

A copy of your scam is going to XXXX which you are falsely representing. I say this because they have never reached out to me because this is an illegitimate claim. 

A copy of your scam is going to the Federal Trade Commission so they can start or add to the file on this illegitimate company you call PennCredit. 

A copy of your scam is going to the Attorney General of Massachusetts, the Honorable XXXX XXXX XXXX. 

Lastly, it sickens me to see such a poor attempt to steal peoples money. Your website was done by a hack. Real credit agencies do not accept travelers checks. 

I hope you get hit by a train. Im sure your parents killed themselves when they realized they raised such a horrible human being. You should follow in their footsteps. 

Take this as my written dispute to your illegitimate claim. 

Sincerely, XXXX XXXX '' While I do wish an early grave upon these scumbags and those who follow in their footsteps, this is not a direct threat of harm from me to another and should not be taken as such in the legal sense. I am simply musing that their lack of existence would make the world a far better place. 

Thank you for your cooperation in this matter. I would appreciate any correspondence collaborating the fact that they are indeed, a fake company out to scam people out of their hard earned money. 

Much appreciation, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation