Debt collector · complaint record
Penn Credit complaints
Filed under Penn Credit Corporation
Consumers have filed 2,968 complaints about Penn Credit since 2013, 534 of them in the last 12 months (+37% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 2,968
- Last 12 months
- 534
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 46
- Rank
- #73 of 1,963
Since June 2013
+37% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 13, 2026
Most complained-about debt collectors
Penn Credit complaints by month
The busiest month was June 2026 (59 complaints). Complaints in the last 12 months are up 37% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Penn Credit answered last 12 months
- Closed with explanation53399.8%
- In progress10.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend6/15+37% vs last year
What Penn Credit complaints are about
Top Penn Credit problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 654
- Debt was result of identity theft 241
- Debt was paid 142
- Debt was already discharged in bankruptcy and is no longer owed 14
Where Penn Credit complaints come from
Most complaints: Florida (513), Pennsylvania (490), New York (274), New Jersey (173), Michigan (171).
Penn Credit compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | First Credit ServicesDebt collection | 50 | 566 | C |
| 2 | Westcreek FinancialDebt collection | 3 | 558 | F |
| 3 | Security FinanceDebt collection | 51 | 552 | C |
| 4 | Penn CreditDebt collection | 51 | 534 | C |
| 5 | Medical Data SystemsDebt collection | 49 | 509 | D |
| 6 | ConServeDebt collection | 79 | 508 | B |
| 7 | Consumer AdjustmentDebt collection | 36 | 499 | D |
| 8 | InDebtedDebt collection | 44 | 496 | D |
Compare side by side: Penn Credit vs First Credit Services · Penn Credit vs Westcreek Financial · Penn Credit vs Security Finance · Penn Credit vs Medical Data Systems
What people say about Penn Credit
All experiencesNo experiences with Penn Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Penn Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 11, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 10, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Nov 9, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 9, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 7, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Nov 7, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Penn Credit
How many complaints does Penn Credit have?
Penn Credit has 2,968 complaints on record since June 2013, including 534 in the last 12 months and 46 in the last 30 days. That makes it number 188 of every company by complaints this year.
Does Penn Credit respond to complaints?
Yes. Penn Credit answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 51/100 (grade C).
What do people complain about most with Penn Credit?
The most common problems are attempts to collect debt not owed (1,051), written notification about debt (431), took or threatened to take negative or legal action (146).
Is Penn Credit legit?
Penn Credit is a real company with a public complaint record: consumers have complained about it 2,968 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Penn Credit legit? for the signals, red flags and how to protect yourself.
Are complaints about Penn Credit going up or down?
Up. There were 534 complaints in the last 12 months against 390 in the 12 before (+37%). See every month.
How do I file a complaint against Penn Credit?
Complain to Penn Credit in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Penn Credit complaints come from?
Most come from Florida (513), Pennsylvania (490), New York (274). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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