Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MA

Complaint narrative:
On XXXX XXXX I was unable to renew my license due to outstanding pay by plate debts that are in my name as well as my Mass license plate. I spoke with Pay by plate and I was told I owed an adept of {$1500.00}. And I needed to contact Penn Debt Collections which I did. On XX/XX/2023 I spoke to a creditor and she stated that I owed {$1600.00}. And I needed to pay that in full in order to be able to renew my Mass license. I verbally requested a validation letter regarding this debt. I had called Penn Collection to ask a few questions I had and I was being hung up on. I could not get anyone to answer or even someone to speak to me. This happened twice on XX/XX/2023. I needed to have a validation letter in writing. I request that when I filed a complaint with the CFPB XXXX. Also on the way I am being treated from Penn Collections on XX/XX/2023 and a debt that is not mine. I received a response from XXXX XXXX on XX/XX/2023 through CFPB complaint acknowledging the debt they are seeking and they would respond to the validation letter when the original creditors respond to them. I have been waiting months and months to get help or a response from someone from Penn Collection agency and still on XX/XX/2023 I have received nothing. On XX/XX/2023 I left a voicemail for XXXX XXXX at the ( XXXX ) XXXX taking him up on his offer to help me. I emailed him as well on XX/XX/2023, still all I am getting is SILENCE XXXX did not respond to that email. Also filed with the State Attorney General on XX/XX/2023. I also sent in the letter stating I needed to order a back license plate that was either lost or stolen. I called The Rmv and explained that I was unsure what happened to my back License plate. It was stated that they would just have a plate made for me since I still had the front plate so there was no need for me to receive new ones. I never thought that I would be dealing with anything like this. If I could go back and change that decision I would request a new plate without hesitation. I didn't realize what people are capable of. I have been working with XXXX XXXX, Legislative Aide at the State House ; he has reached out to the RMV liaison and The Rmv liaison can not help since this debt has been sent to Penn CollectionsXXXX XXXX also has been calling Penn Credit and no luck. I am looking for legal aid to file against Penn Debt Collection agency due to the violations of my Federal Fair Debt Collection Practices Act. Penn Debt Collections flat out did not act appropriate and broke laws to do so. I am relying on family and friends to help me with rides and when that doesn't happen I am incurring debt to get me to and from my doctors appointments, which I have weekly. I am a XXXX XXXX XXXX trying to live independently. I am XXXX and this has caused havoc in my life. I can't even get a money order to pay rent, pick my prescriptions up or go to a doctor 's appointment. I have groups weekly and I have not been able to follow through with having a moment 's peace. That's what I thought about the groups, MY LIFE LINE! I attended and I can no longer. My dad has XXXX XXXX  XXXX and I can't even get on a plane to help him with my mother who has XXXX. I don't think that people understand what my license means to me nor do I think they care. I apologize but I thought if someone was aware of the chain reaction this has caused maybe someone will pick up a phone.Please I need help. I do not know who or where else to go for help.

Company response to consumer: Closed with explanation