Penn Credit Corporation is a Harrisburg, Pennsylvania collection agency that works for government agencies, toll road operators, healthcare providers, colleges and utilities. Its letters often concern unpaid tolls, citations, government fees or service bills.
- Type
- Collection agency
- Also known as
- Penn Credit; Penn Billing
- Headquarters
- Harrisburg, PA
- Collects
- toll violations and Pay-By-Plate invoices, parking fines and citations, state and local government charges, hospital and physician bills, college and university balances, utility and telecom bills
- Phone numbers it lists
- (800) 900-1380
- Website
- penncredit.com
991 debt collection complaints were sent to the Consumer Financial Protection Bureau about Penn Credit Corporation from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Penn Credit?
Penn Credit Corporation describes itself as an accounts receivables management firm serving clients nationwide since 1987. It provides third-party collections and, through its Penn Billing division, extended business office services. A 2022 Massachusetts regulatory order lists its main office at 2800 Commerce Drive, Harrisburg, Pennsylvania 17110, and says Massachusetts first licensed it as a debt collector in 2001.
Penn Credit's consumer payment page gives a toll-free line of (800) 900-1380, open weekdays from 8 a.m. to 8 p.m. and Saturdays from 8 a.m. to 2 p.m. Eastern, and a mailing address of P.O. Box 69703, Harrisburg, PA 17106.
Why Penn Credit May Be Contacting You
Penn Credit's client list is unusual because so much of it is public sector. Its website names state, county and municipal taxes, citations, parking fines and utility invoices; toll road operators, including delinquent Pay-By-Plate invoices and toll violations; hospitals and physician practices; colleges and universities, including student loans and tuition; and electric, gas, water and telecom companies. If you drove a toll road without a transponder, owe a city parking ticket, or left a hospital or school balance unpaid, a Penn Credit letter may follow.
How to Check a Debt Penn Credit Says You Owe
Toll and citation balances can grow quickly with fees, so look closely at how the total was built.
- Use the validation notice. It must name the creditor (for example, a tolling authority or city) and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing by the deadline. For tolls, ask for the dates, plazas, plate number and photos. For a hospital or school account, ask for the itemized statement.
- Confirm the creditor. Ask whether the agency or business that placed the account still owns it.
- Check whether the vehicle or service was yours. Plate-reading errors and sold or stolen vehicles are common sources of toll disputes.
- Mind the limits. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Government fines and taxes can be governed by different rules, and other states' periods differ.
What Penn Credit Can and Can't Do
An agency collecting consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6). Whether the FDCPA covers a particular account depends on whether it is a consumer "debt"; courts have treated some fines and taxes differently from bills for goods or services. Where the Act applies:
- It may not add administrative or collection fees that the underlying agreement or law does not authorize (15 U.S.C. § 1692f(1)).
- It may not falsely imply that it is a government agency or that it can have you arrested (15 U.S.C. § 1692e).
- More than seven calls in seven days about one account is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
- It must stop most contact if you ask in writing (15 U.S.C. § 1692c(c)).
Learn whether a collector can threaten arrest, or visit our FDCPA attorneys page.
Government Actions on the Public Record
- Massachusetts Division of Banks consent order ($25,000 administrative penalty; no admission) (2022-05-11)
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Penn Credit Corporation or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Penn Credit: home page
- Penn Credit: About
- Penn Credit: Consumer Payments
- Massachusetts Division of Banks: Penn Credit Corporation consent order (May 11, 2022)
- CFPB Consumer Complaint Database: Penn Credit Corporation, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Penn Credit Corporation has violated any law. Company details change; tell us if something here is out of date.