Total CFPB complaints
134
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 134 complaints
NPAS, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about NPAS, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
69 complaints
- Written notification about debt 19
Written notification about debt
19 complaints
- False statements or representation 18
False statements or representation
18 complaints
- Communication tactics 15
Communication tactics
15 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
F
Grade F · 52.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about NPAS, Inc.?
NPAS, Inc. has accumulated 134 total CFPB complaints across 28 states, with 23 filed in the most recent 12 months against 111 historical complaints before that window. The trailing-12-month volume represents 17.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 28 states, led by Texas with 21 and Florida with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places NPAS, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
23
17.2% of total history
Rising ↑
States active
28
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Reputation grade
F
52.3/100 composite
Response-quality profile
How NPAS, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does NPAS, Inc. compare to its peers?
NPAS, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Attempts to collect debt not owed69 (%)
False statements or representation18 (%)
Written notification about debt19 (%)
Communication tactics15 (%)
Took or threatened to take negative or legal action8 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 36 |
| Attempts to collect debt not owed | Debt was paid | 31 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Communication tactics | Frequent or repeated calls | 8 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 2 |
Where do complaints against NPAS, Inc. come from?
The states where consumers have filed the most CFPB complaints against NPAS, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against NPAS, Inc.
Across 28 states with at least one filing
- Texas
Texas
21 complaints
- Florida
Florida
17 complaints
- Virginia
Virginia
12 complaints
- Tennessee
Tennessee
11 complaints
- Georgia
Georgia
11 complaints
- North Carolina 8
North Carolina
8 complaints
- California 7
California
7 complaints
- South Carolina 6
South Carolina
6 complaints
Frequently Asked Questions
What is the most common complaint against NPAS, Inc.? ▼
The most common issue consumers report about NPAS, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 134 complaints filed with the CFPB.
Are complaints against NPAS, Inc. increasing or decreasing? ▼
Complaints against NPAS, Inc. are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is NPAS, Inc.'s reputation grade? ▼
NPAS, Inc. has a reputation grade of F (score: 52.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does NPAS, Inc. respond to consumer complaints? ▼
NPAS, Inc. has a 99% timely response rate to CFPB complaints.
In how many states does NPAS, Inc. operate? ▼
NPAS, Inc. has received CFPB complaints from consumers in 28 states, with the most complaints from Texas (21 complaints).
What can I do if NPAS, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If NPAS, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |