National Principal Group, LLC

National Principal Group (“National”) is in receipt of the above referenced claim with regards to Ms. [redacted]. We appreciate the opportunity to respond to this matter. National is a collection agency which was attempting to contact Ms. [redacted] with regards to an outstanding credit card account...

that is in our office. The original creditor was First Consumer National Bank, and they issued Ms. [redacted] a card ending in 1380. Ms. [redacted] originally contacted our office on April 29, 2011 and demanded to speak with a manager, which our associate transferred to immediately. Once transferred, Ms. [redacted] requested our company name, mailing address, and name of representative, which she was given. Ms. [redacted]  would not allow any of our associates to elaborate on the account in our office, so we were never able  give her the information we had been attempting to. We would like to note that we do not have anyPayday Loan accounts in our office for Ms. [redacted].  National follows all Federal laws; specifically the Fair Debt Collection Practices Act (FDCPA).  Any outbound calls made were in accordance with FDCPA rules and regulations. Our skip tracing and  location attempts were simply to ensure we obtained a valid address and phone number for Ms.  [redacted] so that we were able to provide her with the information on her account, which is required  of us by law. Our associates take great care to not divulge any personal information to third parties, and  will only give our company name when asked to ensure that pertinent information is only given to the correct individuals. With regards to being “well-known scammers” and threatening “legal action”, we at  National would like to assure both your organization as well as Ms. [redacted] that we are in fact not  trying to “scam” anyone, nor do we ever threaten anyone with “legal action”.  We have accepted this complaint as a formal cease and desist, and there has not been, nor will  there be, any further communication or collection efforts from our company regarding this matter. Ms.  [redacted]'s account is still considered outstanding, and we do urge her to contact us so that we can  further assist her. Please feel free to contact the undersigned with any further questions.  Sincerely,  Sherice M. [redacted]  Authorized Representative of National Principal Group

We have received a similar complaint from Mr. [redacted] from the [redacted]. Our response to the [redacted] complaint isbelow."Dear Sir/Madam:National Principal Group (NP Group) is in receipt of the complaint referenced above in regards to Mr. [redacted].Thank you for giving us the opportunity to respond to this...

matter. NP Group is a collection agency collecting onon outdated personal loan in Mr. [redacted]'s name. All information is verified b0fore accounts are placed in ouroffice by the current creditor and owner. NP Group follows all federal law; specifically the Fair Debt CollectionPractices Act (FDCPA).NP Group's records reflect that during our skip tracing and location efforts we were attempting to locate Mr.[redacted] to send a required notice. NP Group's records reflect that we did speak with Mr. [redacted] however the callwas terminated by our agent with warning due to Mr. [redacted]'s language. NP Group respectfully disagrees withMr. [redacted]'s labeling of our calls as being harassing. All calls follow the FDCPA guidelines.NP Group accepts Mr. [redacted]'s complaint as a "Cease and Desist" and will not contact him again on this matter.Please feel free to contact us for any additional questions or concerns regarding this matter."Sincerely,Authorized Representative of NP GroupTOTAL

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards, [redacted] I do not agree with this company, I haven't made a loan with Lazer Lending in 2011 or any other time. At this time I was in the process of having a car loan with my son over $26,000.00. At this time my husband was in the hospital with open heart surgery and I am 100% sure that I didn't take out another loan from any one. I would like them to present the paperwork and signatures for this complaint...if not I will have to present them to Homeland Security Fraud division.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Your employees did curse and call me a liar. They also hung up on me abruptly when I didn't give them the answer they wanted to hear.   Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.  I have called. I stated that the debt was not mine and asked what I needed to do to resolve the issue with the company claiming the debt. No one called me back. I researched my bank account and never received a loan during the 2011 timeframe that it is being claimed I did. I was threatened. How should I take " this matter is escalating quickly and I don't want it to be deemed as purposeful fraud" I am not a thief. I pay my bills but I will not pay a debt that is not mine. I have no way to contact the company you say is claiming the debt without your help but like I said you never called back when I asked for help.   Regards,  [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards, [redacted]  This is not a reasonable response and the company should tell me what the matter is in regards to as well as stop contacting everyone. I did speak to them but only threats were made.

October 17, 2016  Rc: [redacted]  Complaint Identification#: [redacted] National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards to Ms. [redacted]. We appreciate the opportunity to respond to this matter.  Personal loans in Ms. [redacted] name have been...

placed with our office by the current creditor and owner  for collection. All information has been verified before the placement of the accounts with NP Group.  NP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA) and all calls made with regards to Ms. [redacted] followed those regulations. At no time did our representatives state that she would be arrested. We adamantly disagree with her recollections and if she has proof to the contrary we urge her to submit it. All of our employees are trained to be professional and compliant Ms. [redacted] entered into a payment agreement with our company to resolve her delinquent account. She chose the payment agreement and parameters in which fit her budget and how she wanted to resolve it.  NP Group provided her with all documentation regarding her loan prior to any payments being made. Ms. [redacted] about a week later contacted our company prior to the first transaction date and stated that  she could not afford to make such payments. At such time, we immediately removed and deleted any and all payment arrangements and information from our system.We have accepted this is complaint as a formal cease and desist, and there has not been nor will there be any further contact or communication or collection efforts from our company. Ms. [redacted] account is stillconsidered outstanding and we do urge her to contact our company if she so chooses to resolve ibis with our office.  Please feel free to contact NP Group with further questions you may have.  Sincerely,Authorized Representative of NP Group

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.1 | 2 I do not have any debt with this "First Consumers Bank". If this is one of the accounts my attorney successfully disclaimed post divorce, after my former husband opened accounts without my knowledge and with my forged signature, I'm tired of receiving calls from junk debt buyers every time the account is re-sold.  Since my divorce was so long ago, even if the debt was a valid one, which it is not, it has been time barred by the statute of limitations for well over a decade. Here is an apt summary from a Consumer attorney website, which describes my situation:"Some of these debt buyers use aggressive tactics when they try to collect on time-barred debts. According to media reports, they abuse and harass debtors and try to trick debtors into reaffirming debts so that the statute of limitations begins anew."While this latest agency with a representative using a different last name than the one I was given claims to deem contact by the Revdex.com and other agencies to be "cease and desist" communications, I do not want any more invalid association between myself and this alleged account, bundled and resold to the next junk debt buyer. This is what I want to make clear to these junk debt collectors.  Rest assured that if this happens and the collection entity is out of New York, I will continue to pursue them accordingly. There should be a law against this that carries heavy punitive fines. Thank you.  Regards, [redacted]

National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards toMs. [redacted]. We appreciate the opportunity to respond to this matter.NP Group is a collection agency and was attempting to locate Ms. [redacted] in regards to personal loansthat have been placed...

in our office. NP Group follows all state and federal laws; specifically the FairDebt Collection Practices Act (FDCPA). All calls made during our skip tracing and location effortsfollow those guidelines. We respectfully disagree with her recollection of the calls because at no timewas Ms. [redacted] threatened. NP Group or its agents never used the threatening tactics as she claims;to do so would be a violation of the law and disadvantageous to our company.All information has been verified prior to the placement of the accounts with NP Group. Ms. [redacted]is making false statements that she was not provided with the information regarding the debts in ouroffice because she stated that she had previously paid the accounts off in full. She also faxed in a lettershowing that she previously paid a loan in full but the issue was that it was not any of the loans that wewere attempting to collect on. NP Group also attempted to email her the required notices.As of this point though we have already ceased contact with Ms. [redacted] and will take this complaintas a formal cease and desist. We can assure your office that NP Group has not had any attempts tocommunicate with Ms. [redacted] nor will we in regards to this matter.Please feel free to contact NP Group with any additional questions that you may have.Sincerely,Authorized Representative of NP Group

National Principal Group (NP Group) would like to apologize for the tardy response in the above mentioned complaint regarding Mr. [redacted] L [redacted].  NP Group is a collection agency collecting on outdated personal loans in Mr. [redacted] name. All  information is verified before accounts are...

placed in our office.  NP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA). All  calls made with regards to skip-tracing and location efforts follow these guidelines. At no point did  any of our representatives disclose the nature of their call to any third party. For Mr. [redacted] and your office's review we have attached documentation for the loans that arc in Mr. [redacted]' name. We respectfully disagree with Mr. [redacted] recollection of events. NP Group's records show that the information that Mr. [redacted] requested and is required by law was sent out on June 27, 2016 to the email address [redacted].NP Group accepts Mr. [redacted]' complaint as a "Cease and Desist" and will no longer contact him in regards to this matter. Please do not hesitate to contact our office with any additional questions.  Sincerely, NP Group

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.   Regards,  [redacted]

National Principal Group (NP Group) is in receipt of the above mentioned complaint in regard to Mr. [redacted] and appreciates the opportunity to respond. NP Group is a collection agency collecting on outdated personal loan in the same name as Mr. [redacted]. All information is verified before accounts are...

placed in our office by the current creditor and owner.  NP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA).  All calls made with regards to skip-tracing and location efforts follow these guidelines. NP Group was attempting to verify Mr. [redacted]’ information so that we could send a required notice. Mr. [redacted] refused to verify his identity so NP Group was unable to release the purpose of our call. NP Group believes that Mr. [redacted] recollection of events is inaccurate and that he has NP Group confused with another company. Our records reflect that we received the account in Mr. [redacted] name on 11/14/2016 and would not have attempted to contact Mr. [redacted] prior to that date. NP Group accepts Mr. [redacted] complaint as a “Cease and Desist” and will no longer contact him in regards to this matter. Please do not hesitate to contact our office for any further clarification. Sincerely, Erin [redacted] Quality Assurance Manager  NP Group

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.   Regards,  [redacted]

National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards toMs. [redacted]. We appreciate the opportunity to respond.NP group follows all state and federal laws; specifically the Fair Debt Collection Practices Act (FDCPA). Anycalls made with regards to...

Ms. [redacted] followed those regulations and guidelines. During our skip tracing andlocation efforts we were attempting to locate a consumer by the same name as Ms. [redacted], so that wecan send a required notice.We initially spoke with a woman who refused to verify her identity. Here at NP Group, we take verifying theidentity of an individual very seriously to protect the consumers rights and personal information. lt would be inviolation of the FDCPA if we divulged personal information to someone other than the consumer and again NPGroup follows all state and federal laws.We do apologize for any inconvenience but we have accepted this complaint as a formal cease and desist, and weassure your office that there has not been nor will there be any future contact or communication to Ms. [redacted]from NP Group in regards to this matter.Please feel free to contact NP Group with any additional information you may need.Sincerely,  Authorized Representative of NP Group

National Principal Group (“NP Group”) is in receipt of the above referenced complaint with regards to  Mr. [redacted]. We appreciate the opportunity to respond to this matter. NP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA). Any calls made with...

regards to Mr. [redacted] followed those regulations and guidelines. At no time did any representative threaten legal action against him; to do so would be a violation of the law and would be disadvantageous to our company. We respectfully disagree with his recollection of the calls and urge Mr. [redacted] to provide proof to the contrary. During our skip tracing and location efforts we were attempting to locate a consumer by the same name as Mr. [redacted]. As our records reflect that NP Group has never spoken to Mr. [redacted] or anyone else in regards to this matter. NP Group was unable to confirm his identity or location information to mail him a required notice. We take verifying the identity of an individual very seriously to protect the consumer’s rights and personal  information.  We have not since attempted to contact Mr. [redacted] and we have taken this complaint as a formal cease and desist.  We would like to assure not only your office but also Mr. [redacted] that there will be no further communication  attempts regarding this matter from NP Group.  Please feel free to contact our office with any additional questions that you may have. Sincerely, Authorized Representative of NP Group

February 22, 2016Re: [redacted]Case No: [redacted]Dear [redacted],National Principal Group (“National”) is in receipt of the above referenced complaint regardingMr. [redacted] We appreciate the opportunity to respond to this matter.National is a collection agency which was collecting on an outdated loan in Mr....

[redacted]'s namedating back to August, 2010. The original lender on this loan was [redacted] Capital LLC, and they issued anoriginal loan ID ending in [redacted]. Our initial contact with Mr. [redacted] was on February 10, 2016, and atthat time we advised him of the account we had in our office. Mr. [redacted] then told us he had nevertaken out a loan like this, and our associate immediately moved his account into a closed status todispute on his behalf. Mr. [redacted] never requested written documentation, had he done so we wouldhave gladly sent him the information via secure email that same day.Here at National, our office does get very busy at times. It is very possible that when Mr. [redacted]called back in to speak with our associate he was assisting someone else at the time. However, when hecalled in requesting our address, another associate was able to provide him with that information.Mr. [redacted]'s account has been closed in our office as of February 10, 2016, which was the dayof our initial contact. There will be no further communication from our company regarding this matter.Please feel free to contact the undersigned with any further questions.Sincerely,Sherice M. P[redacted]Authorized Representative of National Principal Group3014 Delaware Ave, #4147Kenmore, NY 14217PHONE [redacted]FAX [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not totally resolve my complaint.  For your reference, details of why, appear below.  I want NP Group LLC, their parent or subsidiary companies and/or any other associated companies or involved persons to remove all of the "partial" information that relates to myself, from their database.  I stand by the rude/threatening phone calls (my phone log cleary states the days and times I spoke to the company statement,  the receiving of no email statement/verification of debt (they could have resent the email, while talking to me).  The lack of response for basic information that a legitimate company would answer i.e. who they are working/collecting for?  Where are they physically located (legitimate collection agencies advertise their location)?  Provide proof of debt, I owe this company nothing, I have no payday loans or unpaid debt (other than normal monthly expenses).  Their calling and threatening anyone... and their families/friends/employers is not right nor legal (seems that they fly just below the radar of the law...to stay in business) .   These companies are criminal and should be stopped, hopefully the FTC will do more.  The Cease and Desist is to be honored by all facets of this group. Regards and thank you for your assistance,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. Please provide a copy of your license to operate as a collection agency.   Regards, [redacted]

National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards to  Ms. [redacted]. We appreciate the opportunity to respond to this matter. Personal loans in Ms. [redacted]'s name have been placed in our office by the current creditor and owner for...

collection and there are a total of six personal loans. All information has been verified before the placement of the accounts with NP Group. NP Group follows all federal laws; specifically the Fair Debt Collecion Practices Act (FDCPA) and all calls made with regards to Ms. [redacted] followed those regulations and guidelines. It would be disadvantageous to our business to do otherwise. During our skip tracing and location efforts we were attempting to locate Ms. [redacted] to send her a  required notice. When we initially spoke with her our representative stated his name and our company name as NP Group, immediately upon receiving her call. It was also stated a second time during the duration of the call. We verified Ms. [redacted]'s identity and proceeded to give her the details of her accounts. At which time, she stated that she would have her attorney contact our office.NP Group would like to assure not only your office but Ms. [redacted] that we have placed her account into a non-working status. NP Group will no longer contact her in regards to this matter. We have accepted this complaint as a formal cease and desist. Please feel free to contact our office with any additional questions that you may have. Best Regards, Authorized Representative of National Principal Group