Total CFPB complaints
2,198
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 2,198 complaints
Penn Credit Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Penn Credit Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
884 complaints
- Written notification about debt
Written notification about debt
370 complaints
- Cont'd attempts collect debt not owed 259
Cont'd attempts collect debt not owed
259 complaints
- Communication tactics 168
Communication tactics
168 complaints
- False statements or representation 150
False statements or representation
150 complaints
- Took or threatened to take negative or legal action 100
Took or threatened to take negative or legal action
100 complaints
D
Grade D · 56.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Penn Credit Corporation?
Penn Credit Corporation has accumulated 2,198 total CFPB complaints across 50 states, with 324 filed in the most recent 12 months against 1,874 historical complaints before that window. The trailing-12-month volume represents 14.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 50 states, led by Florida with 373 and Pennsylvania with 356, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places Penn Credit Corporation in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
324
14.7% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
56.5/100 composite
Response-quality profile
How Penn Credit Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 31.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Penn Credit Corporation compare to its peers?
Penn Credit Corporatio… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed884 (%)
Written notification about debt370 (%)
Cont'd attempts collect debt not owed259 (%)
Communication tactics168 (%)
False statements or representation150 (%)
Took or threatened to take negative or legal action100 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 536 |
| Written notification about debt | Didn't receive enough information to verify debt | 236 |
| Attempts to collect debt not owed | Debt was result of identity theft | 216 |
| Cont'd attempts collect debt not owed | Debt is not mine | 191 |
| Communication tactics | Frequent or repeated calls | 168 |
| False statements or representation | Attempted to collect wrong amount | 150 |
| Written notification about debt | Didn't receive notice of right to dispute | 134 |
| Attempts to collect debt not owed | Debt was paid | 132 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 100 |
| Cont'd attempts collect debt not owed | Debt was paid | 68 |
Where do complaints against Penn Credit Corporation come from?
The states where consumers have filed the most CFPB complaints against Penn Credit Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Penn Credit Corporation
Across 50 states with at least one filing
- Florida
Florida
373 complaints
- Pennsylvania
Pennsylvania
356 complaints
- New York
New York
214 complaints
- New Jersey 123
New Jersey
123 complaints
- Michigan 115
Michigan
115 complaints
- Ohio 97
Ohio
97 complaints
- Georgia 97
Georgia
97 complaints
- Texas 85
Texas
85 complaints
Frequently Asked Questions
What is the most common complaint against Penn Credit Corporation? ▼
The most common issue consumers report about Penn Credit Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,198 complaints filed with the CFPB.
Are complaints against Penn Credit Corporation increasing or decreasing? ▼
Complaints against Penn Credit Corporation are rising. The company received 324 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Penn Credit Corporation's reputation grade? ▼
Penn Credit Corporation has a reputation grade of D (score: 56.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Penn Credit Corporation respond to consumer complaints? ▼
Penn Credit Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.
In how many states does Penn Credit Corporation operate? ▼
Penn Credit Corporation has received CFPB complaints from consumers in 50 states, with the most complaints from Florida (373 complaints).
What can I do if Penn Credit Corporation is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Penn Credit Corporation violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |