Who Is Penn Credit? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Penn Credit
- Address to send a debt validation letter
- Penn Credit Corporation 2800 Commerce Drive Harrisburg, PA 17110
- Phone
- 1-800-800-3328
- Official website
- https://penncredit.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Penn Credit is a Pennsylvania-based collector that pursues past-due accounts for government agencies, healthcare providers, and utilities. If Penn Credit is contacting you, demand proof of the debt in writing, and note how they reached you — voicemail, text, or call — since that can matter for a legal claim.
Has Penn Credit been the subject of legal action?
Yes. Penn Credit agreed to a $4.675 million settlement in Gurzi v. Penn Credit Corp. (M.D. Fla.) over claims it violated the Telephone Consumer Protection Act by using “DirectDROP Voicemail” technology to leave pre-recorded messages directly in consumers’ cell phone voicemail boxes without prior written consent. The settlement covered everyone Penn Credit called this way between April 30, 2015 and May 6, 2021. Penn Credit denied wrongdoing but agreed, for ten years, to stop leaving pre-recorded voicemails on cell phones without consent and to overhaul its TCPA compliance procedures and training. If you received a voicemail from Penn Credit that sounded pre-recorded or robotic, that’s the exact practice this settlement targeted — see how to stop repeated collector contact for how to document and respond to it.
Questions & Answers
Is Penn Credit a legitimate debt collector?
Penn Credit shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Penn Credit from calling me?
Under the FDCPA, you can send Penn Credit a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Penn Credit?
Send a written debt validation request to Penn Credit's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Penn Credit on my credit report?
If Penn Credit is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team