National Principal Group, LLC

National Principal Group (NP Group) is in receipt of the complaint referenced above in regards to Ms [redacted] Thank you for giving us the opportunity to respond to this matterDuring our skip tracing and location efforts NP Group was attempting to locate an individual to send a required noticeNP Group follows all federal law; specifically the Fair Debt Collection Practices Act (FDCPA)All calls made during our skip tracing and location efforts follow those regulations and guidelinesNP Group respectfdisagrees with Ms [redacted] classification of calls as “harassing/molesting” friends and family membersWe encourage Ms [redacted] to contact our office so we may update our recordsNP Group’s office hours are Mon-day through Friday 9:am to 5:pm Eastern Standard TimeNP Group accepts Ms [redacted] ’ complaint as a “Cease and Desist” and will not contact her again on this matterPlease feel free to contact us for any additional questions or concerns regarding this matter Sincerely, Authorized Representative of NP Group

Please see attachmentThank youJanuary 16, 2017Re: [redacted] ***Complaint ID: [redacted] Dear ***,National Principal Group (NP Group) is in receipt of the above mentioned complaint in regards to Ms[redacted] and appreciates the opportunity to respondNP Group is a collection agency collecting onpersonal loans in Ms***’s nameAll information is verified before accounts are placed in ouroffice by the current creditor and owner.NP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA)Allcalls made follow these guidelinesNP Group and Ms [redacted] have spoken on four occasionsWe trainall our representatives’ to conduct themselves in a professional manner and not to do so would be aviolation of company policyNP Group’s representatives on two occasions with warning terminated thecall with Ms [redacted] due to inappropriate and vulgar languageNP Group has moved Ms***’saccounts into a non-working status and appreciates the opportunity to update our records with Ms.***’s current address from this complaint.NP Group accepts Ms***’s complaint as a “Cease and Desist” and will no longer contact her inregards to this matterPlease do not hesitate to contact our office for any further clarification.Sincerely,Authorized RepresentativeNP 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| 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 decadeHere 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 debtsAccording 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 buyerThis 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 accordinglyThere should be a law against this that carries heavy punitive finesThank you 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 calledI stated that the debt was not mine and asked what I needed to do to resolve the issue with the company claiming the debtNo one called me backI researched my bank account and never received a loan during the timeframe that it is being claimed I didI was threatenedHow should I take " this matter is escalating quickly and I don't want it to be deemed as purposeful fraud" I am not a thiefI pay my bills but I will not pay a debt that is not mineI 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]

National Principal Group (NP Group) is in receipt of the complaint referenced above in regards to Mr***.Thank you for giving us the opportunity to respond to this matterNP Group is a collection agency collecting onan outdated personal loan in Mr***'s nameAll information is verified before accounts are placed in ouroffice by the current creditor and ownerNP 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 noticeNP Group's agents are trained to only disclose our company name when askedor when we have verified right party contactTo do otherwise would be a violationNP Group believes Mr[redacted] has our company confused with anotherNP Group does not spoof its phone numbers or make threats.We have notated and moved Mr***'s account into a non-working status.NP Group accepts Mr***'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 Group

November 9, 2016Re: [redacted] ***Complaint Identification#: [redacted] Dear ***;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.During our skip tracing and location efforts we were attempting to locate Ms [redacted] to send her a required noticeAs our records reflect a woman with the same name contacted our office but refused to verify her identificationAt no time was her identity verified and it is against the law to provide details to someone other then Ms***We take verifying the identity of an individual very seriously to protect the consumer's rights and personal informationNP Group follows all federal laws specifically the Fair Debt Collection Practices Act (fDCPA), Any calls made with regards to Ms [redacted] followed those regulations and guidelinesAt no time did NP Group or any representative threaten her with a civil suitTo do so would be a violation of the law and would be unfavorable to our company and business modelWe respectfully disagree with her recollections of the call and urge Ms [redacted] to provide proof of her accusationsOur records also show that NP Group never spoke with her father at all.We do urge her to contact our office if she would like to be assisted with the matterWe have taken this complaint as a formal cease and desistWe would like to assure not only your office but also Ms*** [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

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 matterPersonal loans in Ms [redacted] ’s name have been placed in our office by the current creditor and owner for collectionThe original creditors of the personal loans are Insight Capital, last four of the original account number are and Liberty Group, last four of the original account number areEach loan has originated in the year All information has been verified before the placement of the account with NP GroupNP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (“FDCPA”)All calls made followed those guide lines and we respectfully disagree with Ms [redacted] ’s accounts of what happenedAt no time did anyone from NP Group claim that MS [redacted] was a “missing person” or that “the police are trying to locate” her Ms [redacted] was given a secured website to view the information that was provided for the loans in Ms [redacted] ’s nameNP Group takes great efforts to ensure the safety of our consumers’ personal information and requires verification before being granted accessWe hope that Ms [redacted] and your office can appreciate NP Group’s commitment to safe guarding private informationFor Ms [redacted] ’s and your reference please see attached letters Ms [redacted] ’s account has been closed in our office and there will be no further communication or collection activity by NP GroupPlease feel free to contact us with any additional questions Sincerely, Authorized Representative of National Principal Group

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.ewho 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 monthly expenses) Their calling and threatening anyoneand 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 groupRegards and thank you for your assistance, [redacted]

National Principal Group (“National”) has received the complaint referenced above and appreciates the opportunity to respondNational is a collection agency which was collecting on an outstanding loan from VistaHoldings in Ms***'s nameThis loan dated back to January, and had an account number ending in While we sympathize with Ms***'s situation we must disagree with the allegations she has made against our companyWe originally spoke with Ms [redacted] on 12/11/and informed her of the claim we had in our office and all it entailedNever once was Ms [redacted] told she would be “arrested if she did not pay her loan”All information on file was verified by Ms [redacted] and she decided to resolve her debt as long as we provided information showing this would settle her accountWhile our associate was speaking with her a payment plan letter was sent to her showing the one time payment of $to be paid that same dayAll information was sent via secured email through DocuSign® which required an individualized access code to be openedMs [redacted] opened the email while she was still on the phone with our associate, signed the document electronically, and agreed to the arrangementAfter her payment posted, and we received the signature back she was then sent a Satisfaction and Release letter showing that she was absolved of the debtThese documents are attached for your convenience along with the certificate from DocuSign® which time stamps when this occurred as well as shows the IP address of the device used to sign the documents As Ms [redacted] has satisfied her debt with us there has been no need for further contact, and her account is considered “Paid in Full” Please feel free to contact the undersigned with any additional questions.Sincerely, Sherice M*** Authorized Representative of National Principal 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 Although they did not give good customer service what so everthey are rude I just wanted to note thatRegards, [redacted] ***

March 22,2016Re: [redacted] Case No: 11238166Dear ***National Principal Group (“National”) is in receipt of the above referenced complaint with regards to Mr [redacted] We appreciate the opportunity to respond.National is a collection agency which was collecting on an outdated loan in Mr [redacted] 's namedating back to July, The original creditor was Compass Capital LLC and they issued an originalloan ID number ending in We originally spoke with Mr [redacted] on March 15, and advisedhim of the account we had in our officeAt that time he advised our associate that he would like to lookinto this debt further, and our associate offered him the website so that he could view the informationhimselfWe at National are very careful to protect the privacy of the individuals that we work with, thewebsite only requests the last four digits of the social security number as well as our account number.This not only protects their information, as previously stated, but also ensures that individuals areseeing information that only pertains to themLater that same day Mr [redacted] advised our associate thathe wanted to dispute the validity of the debt, and his account was immediately moved into a nonworking“dispute status”.At no point in time did anyone at our company attempt to “strong arm” Mr [redacted] into doinganythingFurthermore, all information is verified prior to being placed into our office, and Mr [redacted] himself verified that the information we had for him was correctNational follows all Federal laws;specifically the Fair Debt Collection Practices Act (FDCPA), and any dealings we had regarding thisaccount followed those regulationsFor your convenience as well as Mr [redacted] 's we are attaching aValidation of Debt along with this response.Mr [redacted] 's account has been closed in our office, and there will be no further communicationor collection attempts by our company regarding this matterPlease feel free to contact the undersignedwith any additional questions.Sincerely,Sherice MP***Authorized Representative of National Principal GroupDelaware Ave, #4147Kenmore, NY 14217PHONE [redacted] FAX

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 belowPlease provide a copy of your license to operate as a collection agency Regards, [redacted] ***

National Principal Group (“National”) is in receipt of the above referenced complaint, and we appreciate the opportunity to respondNational is a collection agency which was collecting on an outdated loan in Ms***'s name.This loan dates back to September, and was issued by Lazer Lending with an original account ID number ending in ***After investigating the allegations made by Ms [redacted] in her complaint, we must adamantly disagree with her recollection of events concerning this matterWe originally spoke with Ms [redacted] on March 16, 2016, and at that time our associate advised her of the account we had in our officeAll information was verified prior to being placed in this office, and Ms [redacted] herself also verified that the information on file was correctAt no point in time was Ms [redacted] threatened with being taken to court or spoken to in an unprofessional mannerDoing these things would be counterproductive to our business, and would go against all company policiesNational follows all Federal laws; specifically the Fair Debt Collection Practices Act (FDCPA), and all of our associates are trained to follow thoseregulations and guidelines at all timesIf Ms [redacted] has proof to the contrary we urge her to send that into us so that we can do a further investigationFurthermore, all skip trace and location attempts also follow these regulations, and are in accordance with the FDCPAWe have considered this complaint as a formal cease and desist, and have moved Ms***'s account into a non-working status as of March 17, There will be no further collection orcommunication attempts regarding this matter from our officePlease feel free to contact the undersigned with any additional questionsSincerely, Sherice MP***

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 matterA personal loan in Ms [redacted] 's name and social security number has been placed with our office by the current creditor and owner for collectionAll information has been verified before the placement of the account with NP GroupNP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (FDCPA) and all calls made with regards to Ms [redacted] followed those regulationsAt no time did our representatives or our message state that she was a missing person, threaten arrest use vulgar profanities, or anything about law enforcementShe absolutely is incorrect about her recollections of the calls and we urge Ms [redacted] to provide NP Group of the alleged proofAt no time did NP Group disclose or ask for money from a third partyTo do so would be a violation of the FDCPANP Group was attempting to locate Ms [redacted] to send her a required noticeAt no time did our represntatives refuse to provide her with documentationWhile NP Group was on the phone with Ms [redacted] and she provided a current valid email address for the correspondence to be immediately sent to herShe provided the email contact and we sent her the required noticeThe only contact our office has had with Ms [redacted] was on September 12, when we sent her the required notice via email, per her request and at the same time she requested to dispute the debtWithout hesitation we immediately moved her account into a dispute/ non-working status and ceased all communication with herSince that day, the initial day of contact, all communication had ceased and we have not attempted to contact her againWe honored her verbal request to cease collection attemptsAgain, if Ms [redacted] has proof to the contrary we wish she would submit that to our companyWe have accepted this complaint as a formal cease and desist, and we assure your office there has not been nor will there be any further contact or communication to Ms [redacted] from NP Group in regards to this materPlease feel free to contact NP Group with any additional information you may needAuthorized 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 This is a fraudulent company and when they called, I did deny the accuracy of the claimThey did follow up on the same day and day and day after with threatening phone calls to have the police sent find meI also stated that I have never lived where they claimed and have worked on my current job for years and could not have taken out a loan in that cityI also checked my credit report and no such loan existsFurthermore, I do not have a sister named KarenI also recorded the phone calls with them and blocked their numberThey are correct in stating they have not contacted me since, because their number is blocked [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 everyoneI did speak to them but only threats were made

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 guidelinesDuring 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 identityHere at NP Group, we take verifying theidentity of an individual very seriously to protect the consumers rights and personal informationlt 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 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

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 liarThey also hung up on me abruptly when I didn't give them the answer they wanted to hear Regards, [redacted]

National Principal Group (“National”) is in receipt of the above referenced complaint withregards to Ms***We appreciate the opportunity to respond to this matter.National follows all Federal laws; specifically the Fair Debt Collection Practices Act (FDCPA).Any calls made with regards to Ms
***' account followed those regulations and guidelinesAt notime do our messages or associates mention the use of law enforcement, or threaten any individual.National would like to note that the frequency of calls stated by Ms***' complaint is not reflectedin our recordsThat amount of repeated calls would be counterproductive to our business, as it wouldbe a waste of National's resources, such as our representatives time, and phone expenses, not tomention the possible development of a poor reputation.After a thorough investigation, it was found that we have never actually spoken with Ms.***, and we believe that she has us confused with another companyAlthough we did attempt tolocate her, there has been no actual contactWe do urge Ms*** to contact our office so that we caninform her of the account we have in our office and assist her with resolving it.We have considered this complaint as a formal cease and desist, and there will be no furthercollection or communication attempts made by our company regarding this matterPlease feel free tocontact the undersigned with any additional questions or concerns.Sincerely,Sherice M***Authorized Representative of National Principal GroupDelaware Ave, #4147Kenmore, NY