National Principal Group, LLC

National Principal Group ( "NP Group") is in receipt of the above referenced complaint withregard to Ms*** ***We appreciate the opportunity to respond to this matter.During our skip tracing and location efforts we were attempting to contact Ms*** ***to send her a required notice
Our records reflect we have spoken to Ms*** on two occasions.NP Group follows all federal laws; specifically the Fair Debt Collections Practices Act( FDCPA)Any calls that occurred with Ms*** followed those regulations and guidelinesDuringthese calls NP Group never refused Ms*** access to any documentationShe was sent thedocumentation she requestedWe train our business associates to encourage consumers to use email asa means of expedient communication, but will comply with any request to send documentation via USPostal mail.We have taken this complaint as a formal Cease and Desist and have moved this file to a nonworkingstatusWe would like to assure your office, as well as Ms*** that there will be no furthercommunication in regard to this matter from NP Group, however we do encourage Ms*** tocontact this office so we may assist her in resolving this issue.Please feel free to contact me directly with any additional questions you may have.Sincerely, Danielle *** Operations Manager

National Principal Group (NP Group) is in receipt of the complaint referenced above inregards to Ms***Thank you for giving us the opportunity to respond to this matterNP Group isa collection agency collecting on an outdated personal loan in Ms***’s name from Allinformation is
verified before accounts are placed in our office by the current creditor and owner.NP 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 guidelines.NP Group respectfully disagrees with Ms***’s recollection of eventsDuring our skiptracing and location efforts NP Group was attempting to locate Ms*** to send a required notice.Ms*** account was placed in our office and only active for one dayNP Group believes Ms.*** has NP Group confused with another companyNP Group trains all its employees to conductthemselves in a professional manner and not to do so would be against company policyAfterinterviewing the employee he denies any wrong doingHowever a note was placed in the employee’sfile.NP Group accepts Ms***’s complaint as a “Cease and Desist” and will not contact heragain in regards to this matterPlease feel free to contact us for any additional questions or concernsregarding this matter.Sincerely,Danielle K.Authorized Representative of NP Group

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

March 8,2017Dear ***,National Principal Group (NP Group) is in receipt of the complaint referenced above inregards to Ms***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 tosend a
required noticeNP Group follows all federal law; specifically the Fair Debt Collection PracticesAct (FDCPA)All calls made during our skip tracing and location efforts follow those regulations andguidelines.NP Group accepts Ms***'s complaint as a "Cease and Desist" and will not contact himagain on this matterPlease feel free to contact us for any additional questions or concerns regardingthis matter.Sincerely,Danielle K.Authorized Representative of NP GroupDelaware Ave.Kenmore, NY 14217PHONE

National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards to Mr*** ***We appreciate the opportunity to respond to this matterDuring our skip tracing and location efforts we were attempting to locate Mr*** to send him a required noticeUpon
verifying his identity we were able to provide him with the details of the accounts in our officeTwo personal loans have been placed in our office for collection by the current creditor and ownerNP Group follows all state and federal laws; specifically the Fair Debt Collection Practices Act (FDCPA)At no time did our office threaten legal actionIt would be very disadvantageous for our company to do soAll information has been verified prior to the placement of the accounts with our officeDuring our skip tracing and location efforts we were attempting to locate Mr*** to provide him with a required noticeHe updated his email with our office and we sent him the required notice electronicallyMr*** sent correspondence to our office through the consumer portal that we provided to him, stating that he was disputing the debtUpon receipt of his written dispute we immediately ceased contact and honored his request while placing his accounts into a non working statusNP Group follows all rules and guidelines set forth by the FDCPAWe have accepted this complaint as a formal cease and desist and can assure not only your office but also Mr***, that there will be no further communication to him by NP GroupPlease feel free to contact NP Group with any additional requests you may haveSincerely, Authorized Representative of NP Group

National Principal Group ("NP Group'') rs in receipt of the above referenced complain with regards to Mr***We appreciate the opportunity to respond to this matter and apologize for the tardiness of our response. A personal loan in the same name as Ms*** 's has been placed in our
office by the current creditor for collectionThe original creditor of the personal loan is McKenzie Check Advance of lowa, LLCAll information has been verified before the placement of the account with N P GroupNP 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 guidelinesAt Mr*** request we have placed his number on our do not call listNP Group strongly denies that anyone from our organization threated arrest or even implied itTo use such a threat is against company policy and would be illegal and unethical. NP Group accepts Mr***'s complaint as a "Cease and Desist" and will no longer contact him in regards to this matterPlease feel free to contact us with any additional questions. Sincerely, NP Group

National Principal Group (“NP Group”) is in receipt of the above referenced complaint with regards to Ms***We appreciate the opportunity to respond to this matter. Personal loans in Ms***’s name have been placed in our office by the current creditor for collectionThe
original creditors of the personal loans are Manhattan Processing, last four of the original account number are and originated on 10/01/2011; SJM Marketing, last four of theoriginal account number are *** and originated on 04/28/2011; WTJ Capital, last four of the original account number are and originated on 09/05/All information has been verified before the placement of the account with NP Group. We at NP Group pride ourselves in our customer service skillsAt no point was Ms*** treated in a non-professional manner, doing so would be counterproductive to our businessNP Group follows all federal laws; specifically the Fair Debt Collection Practices Act (“FDCPA”)All calls made followed those guide linesLoans such as these in Ms***’s name are not credit based and may not show up on credit reportsMs***’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

National Principal Group (NP Group) is in receipt of the complaint referenced above in regards to Ms***Thank you for giving us the opportunity to respond to this matterNP Group respectfully disagrees with Ms***’ recollection of eventsDuring 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 guidelinesThird party disclosure laws prevent NP Group from releasing the purpose of the call; unless we’re able to verify right party contactMs*** was unwilling to verify her identity so the only information provided was what is required by lawNP Group t*** all representatives to conduct themselves in a professional manner and not to do so would be against company policy. NP Group accepts Ms***’ 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

November 10, 2016Re: *** ***Complaint Identification #: ***Dear ***National Principal Group (“NP Group”) is in receipt of the above referenced complaint with regards to Ms*** ***We appreciate the opportunity to respond. NP Group follows all federal laws;
specifically the Fair Debt Collection Practices Act (FDCPA)Any calls made with regards to Ms* *** followed those regulations and guidelines. During our skip tracing and location efforts we were attempting to locate a consumer by the name of* ***As our records reflect that Ms*** ***'s phone number on file was in fact listed as a relativeNP Group was made aware that she had no connection to the consumer we were attempting to contact and we immediately removed her phone number from our systemNP Groups phone provider also reflects that we did not contact her phone number for several daysShe possibly could be mistaking our company for another. We have not since attempted to contact Ms*** ***'s phone number and have taken this complaint as a formal cease and desist. We would like to assure not only your office but Ms* *** that there will be no further communication attempts regarding this matter from our office.Please feel free to contact our office with any additional questions that you may have.Thank you again for your time to respond,Authorized Representative of NP Group

April 12, 2016Re: *** ***Case No: ***Dear ***National Principal Group (“National”) is in receipt of the above referenced complaint with regards to Mr***, and we appreciate the opportunity to respondWe have accepted this complaint as a formal cease and desist.National is a
collection agency which was collecting on an outdated loan in Mr***’s name which dates back to August, The original creditor was *** *** LLC, and they issued an original loan ID number ending in ***. We originally spoke with Mr*** on March 30, and at that time advised him of the account we have in our office and all it entailedAt that time Mr*** advised us that he would like to dispute the validity of the loan, and our associate immediately moved his account into a non-working dispute statusThere have been no further communication or collection attempts since that initial conversation. After a thorough investigation it was found that there have never been any other accounts in Mr. ***’s name in our officeThe above referenced account was worked for the first time on March 29, 2016, and therefore it is not possible that we spoke to him prior to that dateTherefore, Mr*** has us confused with another companyNational follows all Federal laws; specifically the Fair Debt Collection Practices ActOur associates are trained to follow those regulations, and to be professional and courteous at all timesAt no point in time was Mr*** threatened with legal action, nor was there ever any mention of a bad check by any of our associates. As previously stated, Mr***’s account has been closed in our office, and there has been no further communication or collection attempts regarding this matter from our company since March 30, Please feel free to contact the undersigned with any additional questionsSincerely,Sherice *P***Authorized Representative of National Principal GroupDelaware Ave, #4147Kenmore, NY 14217PHONE 1.855.810.3589FAX

Dear ***,Natonal Principal Group (“National”) is in receipt of the above referenced claim with regards to Ms***, and 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*** followed those regulations and guidelinesOur messages never state or imply that we intend legal action, and our associates are trained to always be professional when speaking with anyoneIt would be counterproductive to our business model to treat people in an unprofessional mannerAfter investigating the complaint made by Ms***, we must adamantly disagree with her allegationsAlthough we did try to locate Ms*** in order to send her information regarding the account we have in our office, our phone records do not indicate we have ever spoken with herAfter researching the account in our office, it was shown that no one had ever entered the account which would be required if any of our associates had spoken with herWe believe it may be possible that Ms*** has us confused with another company.While we do urge Ms*** to contact our office so that we can inform her of her account, we have considered this complaint as a formal cease and desistThere will be no further communication attempts regarding this matter from our companyPlease feel free to contact the undersigned with any additional questionsSincerely, Sherice M***Authorized Representative of National Principal Group

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The company never once asked me for my email address The rep, Joe, only continued to raise his voice at me when I told him this was a scam. When you buy a house, they look into your entire financial history for any unpaid debts because it impacts what loan you get, if any Not only that, but any payday loan I have ever taken out was always drafted and paid in full which was at least 8yrs ago I have contacted the attorney general and will contact other agency friends of mine as well so that this scam comes to light As I stated, I'm sure I'm not the only one that this has happened to It's just about finding all the people and getting class action lawsuits together Not to mention, if this was legit, then they would have my email sons it has not changed in 10yrs. Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. The company failed to to respond to the CFPB in regards to this because they are in violation of the federal lawI informed them my identity was stolen and used fraudulently and for them to immediately remove my name from their recordsAdditionally for them to cease and desist contacting me and any or people related to meI filed with the CFPB because my name and information was improperly used and requested this company to provide proof of a actual contract and my actual physical signatureThey didn’t respond legally to the CFPBThis debt is not mines and request for them to properly delete this debt as fraud and identity theft promptly. Regards,*** ***

National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards to Mr*** ***We appreciate the opportunity to respond to this matter. NP Group follows all federal laws; specifically the Fair Debt Collecion Practices Act (FDCPA)Any calls made
with regards to Mr*** followed those regulations and guidelinesOur message never stated at any time that we intend to take legal action nor implied itWe also never referenced his or any such persons Social Security Number on a messageWe adamantly disagree with his allegationsDuring our skip tracing and location efforts we were attempting to locate a consumer by the same nameas Mr***When we initially spoke to a gentlemen identifying himself as Mr*** ***we attempted to verify his identity per the FDCPA and he had refused to honor that requestAt that time we were unable to confirm his true identity and could not legally disclose the validity of the call to him. Doing so without verification would be a direct violation of the FDCPA and again NP Group follows all state and federal laws. We have not since attempted to contact Mr*** and have taken the complaint as a formal cease and desist and have placed this account into a non-working statusWe are willing to speak with Mr*** at any given time to discuss the matter in our office if he so desiresPlease feel free to contact the undersigned with any additional questions that you may haveBest Regards, Authorized Representative of National Principal Group

October 17,2016Re: *** ***Complaint Identitication #: ***Dear Beth;National Principal Group ("NP Group") is in receipt or the above referenced complaint with regards to Ms*** ***We appreciate the opportunity to respond to this matter.A personal loan in Ms***'s
name has been placed in our office for collectionAll information has been verified prior to placement of the account with NP GroupNP Group follows all laws specifically the Fair Debt Collection Practices Act (FDCPA) and all calls made with regards to Ms. *** followed those guidelines and regulationsOur agents or message never stated nor implied legal action or law enforcementNP Group also most certainly did not make any threats to her or any other person especially since our office did not speak to anyone other then Ms***It would be very unfavorable to our business to do soIf she has proof to the contrary we urge her to forward it to usWe must adamantly disagree with her reminiscence of events. During our skip tracing and location efforts we were attempting to locate Ms*** to send her a required noticeThe first initial day of contact and the only time our office ever contacted Ms. *** was the same day that she filed this complaint on August 25, We believe that she must be mistaking our company with a different entity because at no time did we refuse her documentation. Our agents here at NP Group offered an immediate verification of debt be sent to her electronically and secured while she declined that routeThereupon, she updated her current address for our records so that we could send her the required noticeWithout hesitation it went out that same morning. Nevertheless, we would like to assure not only your office but Ms*** that there has not been, nor will there be any further communication attempts to herIt was immediately placed in a non working status the same initial day of contact while we accepted this complaint as a formal cease and desist. Please feel free to contact our office with any additional questions that you may haveBest Regards,Authorized Representative of NP Group

*Dear Beth,National Principal Group (NP Group) is in receipt of the complaint referenced above inregards to Ms***Thank you for giving us the opportunity to respond to this matterNP Group isa collection agency collecting on an outdated personal loan in Ms***’s nameAll information
isverified before accounts are placed in our office by the current creditor and owner.NP Group was attempting to obtain current contact information for Ms*** to send arequired noticeThrough our skip tracing and location efforts NP Group spoke with Ms*** onone occasionAfter our conversation with Ms*** our representative took her claim of identitytheft at face value and re-statused her account as suchNP Group appreciates the opportunity to updateour information and have forwarded it to the current creditor and ownerNP Group follows all federallaw; specifically the Fair Debt Collection Practices Act (FDCPA)All calls made during our skiptracing and location efforts follow those regulations and guidelines.NP Group accepts Ms***’s complaint as a “Cease and Desist” and will not contact heragain on this matterPlease feel free to contact us for any additional questions or concerns regardingthis matter.Sincerely,Danielle K.Authorized Representative of NP Group

National Principal Group (“National”) is in receipt of the above referenced complaint regarding Mr***We appreciate the opportunity to respond to this matterNational is a collection agency which was collecting on an outdated loan in Mr***'s name which dates back to September,
The original creditor was Shoreline Online LLC, and they issued an original loan ID ending in 7870. We originally spoke with Mr*** on January 29, 2016, and at that time we advised him of the account we had in our officeMr*** verified all of the information that had been provided at the time the loan was taken out, and advised our associate that he believed his daughter took this out in his nameHe requested we send him information so that he could show his daughter, and that he would resolve the loan later that dayWe sent out the requested information the same day, and attempted to follow up with the Mr*** the next business dayOn February 12, Mr*** advised our associate that he would not be resolving the account in our office and his account was moved into a non-work status. Mr***'s account has been closed in our office as stated previously, and there have been no further collection or communication attempts since February 12,There will also be no future attempts to contact Mr*** regarding this matterPlease feel free to contact the undersigned with any further questions. Sincerely, Sherice M***

National Principal Group, LLC (“NP Group”) is in receipt of Mr***’scomplaint and is happy to address his concerns regarding the situation that took place.NP Group was attempting to contact a different consumer than Mr***Mr.***’s number was attached the consumer’s account that was
filed in our officeAftermaking contact with Mr*** and noting that we reached the incorrect consumer, Mr.*** requested to be transferred to a managerOur representative obliged with therequest and transferred the callSomehow, Mr***’s call was actually merged with thecall of a different representative’s callThis is something that has never happened in ouroffice before and we are working diligently with our phone provider to determine whathappened and to ensure that it never happens againAs soon as the representative realizedwhat took place, the call was terminatedAfter Mr*** called back in, we immediatelyremoved his number per his request and no further calls have taken place.We sincerely apologize to Mr*** for any inconvenience and/or confusion.As stated, we are working to determine what happened and to remedy any glitches in thesystemMr***’s number has been removed from our system and he should not receiveany additional correspondence from our office.Please contact the undersigned if you have any additional questions.Sincerely,Authorized Representative ofNP Group

National Principal Group ("NP Group") is in receipt of the above referenced complaint with regards toMs*** ***We appreciate the opportunity to respond to this matter.NP Group is a collection agency and was attempting to locate Ms*** in regards to personal loansthat have been
placed in our officeNP Group follows all stale and federal laws; specifically the FairDebt Collection Practices Act (FDCPA)All calls made during our skip tracing and location effortsfollow those guidelinesWe respectfully disagree with her recollection of the calls because at no timewas Ms*** threatenedNP Group or its agents never used the threatening tactics as she claims; todo so would be a violation of the law and disadvantageous to our companyOn the contrary, Ms.*** contacted our office multiple times cursing and using profanities at our agents.All information has been verified prior to the placement of the accounts with NP GroupAt this time nobankruptcy has been filed in Ms***'s name and no attorney has been provided for verification;thus making the debt legally collectableNP Group is legally within our rights per the state and federalguidelines to collect on this debt.As of this point though we have already ceased contact with Ms*** and will take this complaint asa formal cease and desistWe can assure your office that NP Group has not had any attempts tocommunicate with Ms*** 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

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me However, as I have the conversations recorded and have reviewed them, I wish to differ in their view of professionalism Rude does not even begin to describe the attitude from their representatives Abusive would be a more accurate descriptionAT no time did anyone ask for my email or my mailing address They told me point blank that they did not have to provide me anything in writing.I am happy as long as they leave me aloneThe next time they change their name or phone number and contact me again, however will be a different story. Regards, *** ***