Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc.
State: VT

Complaint narrative:
This is the letter that I sent to them and they received on XX/XX/XXXX. It notes 4 instances - after reviewing full records on both phones, we have determined 10 instances which total {$10000.00} in statutory damages now owed : On my phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX On my fiances phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Here is body of letter I sent to them ( also emailed to XXXX ) Re : FDCPA Violations, Settlement Demand, & Cease and Desist Notice To Whom It May Concern, I am writing regarding multiple unlawful debt collection practices committed by NPG Associates , Inc. against me. Your company has contacted me four separate times via voicemail on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( on my fiancs phone third-party disclosure violation ) XX/XX/XXXX ( on my phone repeat violation ) Each of these calls violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Additionally, your company left one of these voicemails on a phone number belonging to my fianc, who is not legally associated with this matter. This constitutes an unauthorized third-party disclosure, which is strictly prohibited under 15 U.S.C. 1692c ( b ).

Your voicemail messages also failed to disclose that you are a debt collector attempting to collect a debt, which violates 15 U.S.C. 1692e ( 11 ). Additionally, the repeated vague, misleading, and intimidating language in your calls ( e.g., do not underestimate the importance of this call ) may constitute harassment under 15 U.S.C. 1692d and 15 U.S.C. 1692e ( 10 ).

After reviewing all three major credit reports, I have confirmed that NPG Associates is not listed on any of them. Under 15 U.S.C. 1692g, you are required to provide a written validation notice within five ( 5 ) days of your initial communication. You have failed to provide such validation despite four separate contact attempts.

FDCPA Violations Committed by NPG Associates 1. Illegal Third-Party Disclosure Under 15 U.S.C. 1692c ( b ), you may not discuss any alleged debt with unauthorized third parties. Your company violated this by leaving a voicemail on my fiancs phone. 
2. Failure to Disclose Debt Collection Purpose Under 15 U.S.C. 1692e ( 11 ), all communications must include the statement : " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' Your voicemails failed to include this disclosure.

3. Repeated Harassment & Misleading Communication The intimidating language used in your messages may violate 15 U.S.C. 1692d ( harassment ) and 1692e ( 10 ) ( misleading practices ).

4. Failure to Provide Debt Validation Under 15 U.S.C. 1692g, you must send written debt validation within five ( 5 ) days of initial contact. You have failed to do so.

5. Continued Contact After Notice of Violation Contacting me four separate times, including after I have evidence of prior violations, compounds the FDCPA breach and increases potential statutory damages.

Cease & Desist Notice No Further Contact Except in Writing Pursuant to 15 U.S.C. 1692c ( c ), this letter serves as a formal cease and desist notice.

Effective immediately : You are prohibited from calling, texting, or leaving voicemail messages for me or anyone else regarding me.

You may not contact my fianc, family members, or any third party regarding this alleged debt.

All future communication must be in writing only and sent to the mailing address listed above.

Failure to comply with this Cease & Desist Notice will result in immediate legal action and additional FDCPA claims against your company.

Settlement Demand : {$4000.00} Payment to Resolve This Matter Under the FDCPA, I am entitled to statutory damages of up to {$1000.00} per violation, plus any actual damages. Given that your company has now committed four separate violations, I am demanding a {$4000.00} settlement payment to resolve this matter amicably.

This settlement does not constitute an admission of liability by either party but serves as a means to avoid regulatory complaints and legal proceedings.

Next Steps If you agree to the {$4000.00} settlement, please send payment to the address listed above within 14 days of this notice.

If you refuse or ignore this demand, I will immediately file formal complaints with the CFPB, FTC, and my State Attorney General, and I will initiate legal action against NPG Associates under the FDCPA. 
This letter serves as a formal notice and final opportunity to resolve this matter voluntarily. 
Please respond in writing to confirm receipt and acceptance of this demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation