Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPG Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX and XXXX XXXX performed a one-time roach clean-out XXXX my home. I was never told any payment was due at the time of service, and they never asked for payment afterward. 

I never received any invoice, bill, or payment request by mail, email, phone, or text. I can provide my phone records showing I never received a single call from the company after the service was performed. 

I did not hear from XXXX XXXX again until XX/XX/year>, when they texted me saying my service report was rejected. I was confused because I never submitted or rejected any report. I replied to clarify that I never signed any written agreement for ongoing service, and that the initial treatment did not resolve the infestation after more than XXXX weeks. I also informed them that under California Civil Code 1689 and Business & Professions Code 7159, a written contract is required, and consumers are not obligated to accept services without XXXX. I clearly stated I would not be requesting any further service. 

I never said anything else after that. Despite never asking me for payment or sending any bill or invoice, on XX/XX/XXXX XXXX XXXX texted me threatening to send the account to collections. They still never told me how much they claimed I owed or gave any due date. I should not have to pay anything when there was no contract, no price disclosed, and I was never billed. 

XXXX XXXX later falsely claimed that a text message counted as a written agreement, even though I never signed any contract or agreed to ongoing charges. The representatives tone was rude and threatening. I have a documented XXXX and suffer from anxiety, and this situation has caused me severe emotional distress. The threat of being sent to collections has caused panic attacks, especially because I am in the process of purchasing a home and any negative credit reporting could affect my approval. Since receiving the call from XXXX after XXXX XXXX sent this to collections, I have experienced anxiety, pain, and sleepless nights. 

XXXX XXXX then sent my personal information to NPG Associates. XXXX XXXX never contacted me again after XX/XX/XXXX. On XX/XX/year>, NPG Associates contacted me about the alleged debt on XXXX XXXX behalf and threatened to harm my credit and garnish my wages. At no point was I given any notice, invoice, amount due, or opportunity to resolve anything before being threatened with collections. 

There was no contract, no invoice, no notice, and I was immediately threatened with collections. I dispute this debt in full. 

Pro Techs conduct violates multiple consumer protection laws, including : Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 ), Fair Debt Collection Practices Act ( through their agent NPG Associates ), California Business & Professions Code 7159 ( failure to provide a required written contract ), California Civil Code 1689 ( right to cancel when services are ineffective ), California Consumer Privacy Act ( sharing my personal information without consent ), California Business & Professions Code 17200 ( unlawful and unfair business practices ).

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