Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NPG Associates, Inc.
State: WY

Complaint narrative:
XX/XX/year> Company : NPG Associates ( debt collectors )/ XXXXXXXX XXXX XXXX ( purported original creditor ) Individuals involved : XXXX ; XXXX XXXX ; XXXX; XXXX ( XXXX ) -- - Summary of the ComplaintI am lodging a formal complaint against NPG Associates for their aggressive and potentially unlawful debt collection methods. 

Between XX/XX/XXXX and XX/XX/year>, NPG Associates repeatedly insisted on immediate large payments, declined to furnish written verification or documentation of the debt, made vague legal threats with unreasonable deadlines, and during the latest call, the manager, XXXX, abruptly ended the call after shouting and refusing to provide requested paperwork. I am requesting an inquiry into their collection methods and suitable enforcement measures.- -- Chronology of Events ( brief, factual ) - XX/XX/year> : XXXX ( NPG Associates ) left a cryptic voicemail asking to speak with my father without providing any documentation. - XX/XX/year> : XXXX called again and claimed I was financially accountable as a cosigner on a surety bond. I asked for a written demand and evidence of the debt. XXXX instructed me to contact their client for confirmation and demanded that I call back within XXXX hours ( by XXXX p.m. ) to avoid legal repercussions. 
- I tried to reach the alleged client ( XXXX XXXX XXXX ) ; however, they did not respond to my call. - XXXX XXXX left a voicemail demanding that I contact him before XXXX p.m. to prevent legal action. - I called at XXXX p.m. and spoke with XXXX, who alleged that I owed over {$100000.00} but provided no evidence of delivery of a demand that he claimed was sent. He directed me to their secure portal and insisted I verify my identity by entering my Social Security number and last name and make a payment. He refused to furnish copies of the original contract or any verification of ownership. - After multiple unsuccessful attempts to obtain documentation from both NPG Associates and XXXX XXXX XXXX, I tried to contact XXXX XXXX again but was redirected to XXXX. XXXX once more declined to provide documentation and gave me a 24-hour ultimatum to contact her, hinting at consequences if I failed to comply. 

- XX/XX/year> : I never recieved any return calls from XXXX XXXX XXXX called npg again to attempy to verify any information i could,. During a subsequent call, XXXX, who identified himself as the manager for XXXX, XXXX, and XXXX, refused to provide written verification or copies of the original contract or assignment. Instead, he raised his voice, accused me of wasting his time, demanded an immediate {$20000.00} payment, and abruptly ended the call when I refused to pay without documentation.- -- Specific Concerns and Violations- Denial of written verification : Persistent refusal to provide a written validation notice, original contract copies, assignment details, or proof of mailing/delivery. - Unreasonable payment demands and short deadlines : Multiple demands for immediate substantial payments with minimal response time, accompanied by legal threats. 

- Harassment and aggressive behavior : Continuous aggressive behavior, including raised voices, interruptions, threats, and call terminations by the manager when documentation was requested. - Possible violations of consumer protection laws : The described behavior may breach laws governing debt collection practices, including the right to validation and prohibitions on harassment, abuse, and false representations.- -- Requested Steps 1. Investigate NPG Associates ' debt collection methods for compliance with federal and state laws on debt collections ( including validation obligations ).

2. Demand the submission of all claimed documentation by NPG Associates : demand letters, proof of mailing/delivery, assignment or ownership records, the original contract or bond, and any correspondence with XXXX XXXX XXXX XXXX 
3. Implement suitable actions if violations are identified, such as consumer compensation, corrective notifications, and disciplinary measures against responsible individuals or the company.

4. Provide written confirmation of the investigation outcomes and any actions taken.- -- Available Evidence and Attachments- Timestamps of voicemails and call logs ( Call records and voicemail copies can be provided upon request ). - Names and dates of representatives in contact ( XXXX, XXXX XXXX, XXXX, XXXX ). - Detailed notes from each call outlining the conversations. -- -Contact InformationName : XXXX XXXX : XXXX, XXXX Preferred Contact Method : XXXX XXXX XXXX Availability : -- ANYTIME! 

-Closing StatementI I am seeking a just and lawful resolution to safeguard my consumer rights. Despite my repeated requests for written verification and documentation, they have been consistently denied. I urge the Consumer Protection Agency to promptly investigate these practices and compel NPG Associates to substantiate any claims before demanding payment or threatening legal action. Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation