Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NPG Associates, Inc.
State: MI

Complaint narrative:
On Friday XX/XX/year> @ XXXXXXXX XXXX  I received a call from NPG and associates. phone spoofed to reflect XXXX XXXX XXXX XXXX to be a law office NPG legal and risk management 14 seconds into the call. They never confirmed who I was or to verify. I asked for the attorney for the legal department, I explained the FDCPA and that they cant threaten to take action that they cant legally take. She said lets go to court at 1 minute and 50 seconds into the call and abruptly hung uo. ( causing the phone to ring with the intent to anoy or harras. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
Of course being afraid that I am now being sued I wanted the attorney information for the law suit. I returned the call aXXXX XXXX XXXX XXXX identified as legal dept for npg associate 's, I asked for the attorney and quoted the FDCPA and that I wanted to Validate the Debt. She refused and hung up on me. 
@ XXXXXXXX XXXX I called and spoke to at 26 seconds into the call XXXX XXXX ( manager ) said pending suit I asked again to validate. XXXX XXXX made a derogatory comment at XXXX seconds into the call and refused to validate the debt. again at 3minutes and 3 seconds and then hung up on me while asking to validate. 
@ XXXXXXXX XXXX XXXXXXXX at they confirm XXXX seconds XXXX XXXX XXXX said I didn't have permision to record. and that i committed a criminal act. Each time his employees stated the call is being recorded! ; he knew and ackowledges that the calls was recorded by a third party ( NPG associates ) there fore the minute he with drew consent to record the call NPG would have been wire tapping under ca law the company was committing wire tapping. This again falls under ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. @ XXXXXXXX XXXX XXXX seconds into the call he pretended he was calling the police to have me arrested. I spoke officer XXXX at XXXX police department and he confirmed no such report had been made that night or at all as of XXXX this again is ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. then he is heard laughing about and claimed he did his due diligence. 

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I asked to speak with the officer ( who obviously didn't exist ) he just started laughing at me. 

@ XXXX XXXX XXXX XXXXXXXX XXXX informed me that the FDCPA does not apply to them because " Acknowledged again that he is recording but only he can record I again asked. He informed me at :51 intio the call XXXX XXXX XXXX XXXX me " his criminal action against me is higher than the FDCPA Just because I chose to keep it real and it went wrong. '' again this not illegal to call and validate a debt nor is it illegal to record a call. XXXX XXXX XXXX believes as long as he is claiming to file a criminal action against a debtor he is not required to follow FDCPA This is sadly supported by the management of the company. They have had numerous complaints on this issue 10 in the last 5 months Obviously they have no intention of following the law. Why is the CFPD and FTC not responding and addressing these issues. I have each and every phone call recorded and would be happy to send them to you. I use the app cube acr to record all calls. This company is obviously refusing to follow the laws established for the protection of the consumer and apparently their is no reason for them to do so as they have blatantly said they will not. They should be on the banned from doing collections list by the FTC The management team refuses to resolve the issues and takes part in the abuse. I have a call with XXXX XXXX XXXX to say we are going to call the police. If the Vice president is telling the managers to take these steps how can you honestly state they are going to correct or resolve the violations.

Company response to consumer: Closed with explanation