The harassing company pays our fees.
National Principal Group or NPG is a third-party collection agency based in Buffalo, NY. NPG has received many consumer complaints alleging serious violations of the Fair Debt Collections Practices Act (FDCPA) such as harassment, abusive phone calls, and threatening or taking illegal actions. If you have been contacted by NPG, understand your rights before taking action.
According to the Better Business Bureau (BBB), National Principal Group, LLC is a collection agency located in Buffalo, NY. The BBB does indicate when this company was founded, but their file opened in February 2015. Alternate business names for NPG include Kenwood Services; NP; NP Group; Priority One Resolutions; Lakefront Processing Solutions; BRG; and Ashton Asset Management. The BBB has posted an Alert on NPG’s profile page indicating they have failed to respond to requests to produce proof of the licensing and bonding required to operate as a legitimate collection agency.
NPG’s website contains incomplete information and appears to be unfinished. They claim to be “dedicated to first class professional debt recovery…[and to working with] consumer debt portfolios for collection to the satisfaction of all parties involved.” Furthermore, because “the collection industry has been viewed negatively as a whole,” NPG “prides themselves on their clean track record and operating as a credible business.”
The rest of the website provides contact information; a brief list of Frequently Asked Questions that do not provide any external links or references to regulatory authorities; and an incomplete Services page that states, “Below you will find tools and services that we offer to help facilitate your need,” but does not provide any additional information.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has given NPG a rating of F. In the past three years, the BBB has closed 126 complaints against National Principal Group, with 71 closed in the past twelve months. The majority of these complaints allege problems with billing and collection issues. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 63 complaints against NPG. Justia lists at least 4 cases of civil litigation naming NPG as a defendant.
Absolutely. Here are some Sample Cases against National Principal Group LLC – NPG
In March 2017, a complainant indicated that an National Principal Group representative had contacted him and several of his acquaintances about a debt with PayDay Loans he knew was not valid. The complainant indicated the date of the alleged debt was from eight years prior and that he knew he had not incurred such a debt at that time. The complainant indicated that he had contacted the Consumer Financial Protection Bureau (CFPB) to file a claim of harassment and was notified that NPG had been under investigation and had received a lot of complaints about their attempts to collect debts originating from PayDay Loans. The complainant indicated he would also be filing complaints with the Federal Trade Commission and the Attorney General.
In response, National Principal Group provided verification of the debt and disputed the complainant’s claim of the loan origination date, which they claimed was in 2012, rather than 8 years prior. NPG also claimed that all collection calls—including skip tracing calls—were completed according to the provisions of the FDCPA to prevent illegal disclosure of information. NPG indicated they would cease further contact attempts.
The complainant in turn rejected NPG’s attempt to resolve the dispute, indicting that the verification letter did not provide any proof of money being transferred and took the form of a simple statement on letterhead that was impossible to verify. The complainant insisted on receiving copies of the actual loan agreement. As for the dispute regarding the date of the loan, the complainant indicated that he had not lived at the address on the letter since 2004, although National Principal Group claimed the debt was from 2008. NPG also failed to provide a phone number, address, or other contact information for the alleged creditor.
National Principal Group LLC (NPG)
3014 Delaware Ave #4147
Buffalo, NY 14217
Telephone: (855) 810-3589
Website: http://nationalprincipalgroup.net/
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
Chances are good that we can help. Call us today and we’ll explain.
In short, the answer is yes. Contact us to find out more.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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