Prince-Parker & Associates, Inc. (PPA) is a Charlotte, North Carolina debt collection agency founded in 1993 with 10 federal lawsuits on record and 42 BBB complaints in its current three-year window. A documented 2025 BBB complaint alleges a consumer received a scam call within an hour of speaking to PPA, with the scammer possessing the same balance and account details shared during the PPA call, raising serious data security concerns.
Documented patterns also include reporting a collection account on a consumer’s credit without ever contacting the consumer and then being unable to locate the account when the consumer called to dispute it.
Who Is Prince-Parker & Associates, Inc.?
Prince-Parker & Associates, Inc. is a third-party debt collection agency founded in 1993 in Charlotte, North Carolina. The company employs approximately 41 people with estimated annual revenue around $5.3 million. PPA is BBB-accredited and has logged 42 BBB complaints in its current three-year window and 25 CFPB complaints.
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Who Does PPA Collect For?
PPA focuses on telecommunications, utilities, healthcare, internet and broadband, and digital and print media. Confirmed clients from BBB complaint documentation and published sources include:
- AT&T: A documented BBB complaint describes PPA appearing on a consumer’s credit report for an AT&T balance, with PPA unable to locate the account and directing the consumer to contact AT&T directly.
- U-verse and DirecTV: Both are confirmed PPA client brands from published sources.
- Healthcare providers: Medical groups and hospitals are confirmed PPA collection categories.
Documented Federal Cases
Trespalacios v. Prince Parker & Associates (Case No. 1:08-cv-23550-KMM) alleged deceptive practices and harassment tied to collection methods. Oskam v. Prince Parker & Associates (Case No. 3:17-cv-02482-GPC-KSC) alleged unlawful communication, threats, and improper handling of debtor information.
Common PPA Complaint Patterns
BBB and CFPB records surface specific recurring issues tied to PPA’s collection conduct.
- Reporting a credit entry without prior contact: A documented BBB complaint describes PPA appearing on a consumer’s AT&T credit report entry without ever contacting them, then being unable to locate the account without a Social Security number.
- Alleged data security breach: A documented 2025 BBB complaint describes a scammer calling a consumer with the correct account balance less than one hour after the consumer spoke with PPA.
- Continuing third-party contact after receiving the correct number: A documented BBB complaint describes PPA continuing harsh and threatening calls to a consumer’s mother-in-law even after being given the correct contact number.
- Unable to locate accounts without Social Security numbers: Multiple BBB complaints describe PPA unable to find accounts by name, address, or phone number.
What PPA Cannot Do Under Federal Law
- Report accounts consumers were unaware of without responding to validation: The documented AT&T complaint shows PPA reporting accounts with no prior contact and being unable to locate the account when the consumer called.
- Share consumer information with unauthorized third parties: The 2025 BBB complaint alleges PPA shared account details enabling a scammer to call the consumer with correct balance information. This would violate FDCPA Section 1692c(b).
- Continue contacting third parties after receiving correct contact information: The mother-in-law complaint shows PPA continuing calls after being given the correct number. Section 1692b prohibits repeated third-party contact.
- Use threatening or abusive language: Documented calls to the mother-in-law are described as harsh and threatening, violating FDCPA Section 1692d.
North Carolina State Protections
North Carolina residents have some of the strongest state-level debt collection protections in the country. North Carolina consumer protection law provides damages of $500 to $4,000 per violation, significantly higher than the $1,000 federal FDCPA cap.
File complaints with the North Carolina Attorney General’s Consumer Protection Division and the NC Commissioner of Banks alongside any CFPB complaint.
Verify Before Paying PPA
Send a certified validation letter demanding the original creditor’s name and account number, the date of first delinquency, an itemized balance, and written confirmation of all third-party contacts made regarding your account. If PPA cannot locate your account without a Social Security number and reported the account without prior contact, include that in simultaneous bureau disputes.
How to Check Your Credit Report
Pull all three reports at AnnualCreditReport.com and look for Prince-Parker & Associates, Prince Parker & Associates, or PPA as the furnisher. Confirm the original creditor, balance, and date of first delinquency.
How Long Can PPA Legally Pursue the Debt?
North Carolina allows three years on most open accounts and credit cards. The state where the original account was opened may control the statute.
Your Options for Resolving the Account
- Dispute a credit entry that appeared without prior contact: If PPA is on your credit report and you never received a collection notice, send a certified validation letter and simultaneously dispute the entry with all three bureaus.
- Document any call that occurs after third-party contact was addressed: If PPA contacted a family member or employer, document every call and file both a CFPB and NC AG complaint. The $500 to $4,000 per violation state damages range applies.
- Report any suspected data security incident immediately: If you received a suspicious call with your account details shortly after speaking to PPA, file a CFPB complaint, report to the NC AG, and place a fraud alert on your credit file.
- File an NC Commissioner of Banks complaint: As a North Carolina-licensed agency, PPA is subject to state regulatory oversight beyond what the CFPB can reach.
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How to Contact Prince-Parker & Associates
Handle all communication in writing. Send disputes by certified mail with return receipt requested:
- Office address: Prince-Parker & Associates, Inc., 8625 Crown Crescent Court, Suite 200, Charlotte, NC 28227
- Mailing address: Prince-Parker & Associates, Inc., PO Box 474690, Charlotte, NC 28247-4690
- Phone: (800) 276-2423
Bottom Line
Prince-Parker & Associates has 10 federal lawsuits, a 2025 BBB complaint alleging consumer data was shared with a scammer within an hour of a collection call, and a documented pattern of reporting credit entries without prior consumer contact and being unable to locate accounts without Social Security numbers.
North Carolina residents have $500 to $4,000 per violation in state law damages available, significantly above the federal FDCPA cap. Document every third-party contact and every data security concern carefully.
If a PPA account is on your credit file, the right move depends on whether the original creditor is one you recognize, whether PPA ever contacted you before the entry appeared, and whether any third-party contacts or data security concerns have occurred.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.