NPAS Solutions called you about a medical debt, and the bill may not reflect what you actually owe. According to BBB records, NPAS Solutions, LLC is a direct HCA Healthcare subsidiary founded in 1980. It has accumulated 36 complaints since its BBB profile opened in 2016.
Documented complaint patterns include voicemails that allegedly failed to identify the caller as a debt collector. Consumers have also alleged threats of arrest without a court judgment. Some allege billing demands for hospitals they never visited.
Key Takeaways
- NPAS Solutions, LLC is a medical debt collection agency and a direct subsidiary of HCA Healthcare, founded in 1980, headquartered in Earth City, Missouri, with offices in Louisville, Kentucky.
- According to BBB records, NPAS Solutions has accumulated 36 complaints; consumers have allegedly reported threatening calls, voicemails that failed to identify the caller as a debt collector, and billing demands for hospitals they never visited.
- Ward v. National Patient Account Services Solutions, Inc., No. 20-5902 (6th Cir. 2021) alleged NPAS voicemails failed to identify the caller as a debt collector and failed to use its true business name, both FDCPA Section 1692e(11) violations.
- A documented case settled for $2,100 after NPAS allegedly threatened a consumer with arrest and immediate wage garnishment without a court judgment, both FDCPA violations.
- FDCPA violations may entitle you to up to $1,000 in statutory damages; TCPA violations may entitle you to $500 to $1,500 per illegal call.
- The Wood Firm PLLC handles these cases on contingency: if NPAS Solutions violated federal law, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is NPAS Solutions
NPAS Solutions, LLC is a medical debt collection agency and a direct subsidiary of HCA Healthcare. The company was founded in 1980 under the name National Patient Account Services, Inc. NPAS collects unpaid medical bills on behalf of HCA-affiliated hospitals and other healthcare facilities across the United States.
In our practice, we pull the original hospital statement and assignment records first on every NPAS file. NPAS is an HCA subsidiary, which means accounts often originate from a large hospital network. Payment misapplication is one of the most frequently alleged NPAS issues. It tends to leave a clear paper trail when the consumer kept payment records. If you paid a bill and NPAS is still calling, keep every payment confirmation you have.
- Also Known As: NPAS Solutions LLC, National Patient Account Services, National Patient Account Services Inc.
- Address: 111 Corporate Office Drive, Suite 200, Earth City, MO 63045; also Louisville, KY offices at 2700 Blankenbaker Pkwy and 13906 Promenade Green Way
- Phone: 866-258-1104 | (866) 258-1104 | +1 866-258-1104 | 8662581104
- Additional Numbers: 800-223-9899 | 877-250-2577
- Website: npassolutions.com
- BBB Profile: NPAS Solutions BBB listing
What Phone Numbers Does NPAS Solutions Use
NPAS Solutions contacts consumers from multiple numbers. If any of the following numbers called you, NPAS may be attempting to collect a medical debt. The agency collects for HCA Healthcare hospitals and other healthcare facilities.
- 866-258-1104
- 800-223-9899
- 877-250-2577
NPAS may contact you from additional numbers not listed here. Document every number, date, and time. That log becomes your evidence if calls cross into harassment.
Why Is NPAS Solutions Calling You
NPAS Solutions is calling because a hospital or healthcare facility referred your unpaid account for collection. NPAS specializes exclusively in medical debt. As an HCA Healthcare subsidiary, the agency primarily works HCA-affiliated hospital accounts. It also collects for other healthcare providers.
Before paying anything, request written debt validation. According to documented FDCPA violation patterns, medical debt collectors are frequently cited for collecting incorrect amounts. Insurance adjustments often reduce what a consumer actually owes. BBB complaints against NPAS specifically include accounts referred for services at hospitals consumers allegedly never visited. If you do not recognize the hospital name on the bill, that is worth flagging immediately.
Federal Lawsuits Filed Against NPAS Solutions
Yes. NPAS Solutions and its parent, National Patient Account Services, Inc., have been named in federal litigation. One case reached the Sixth Circuit Court of Appeals.
- Ward v. National Patient Account Services Solutions, Inc., No. 20-5902 (6th Cir. Aug. 16, 2021): the plaintiff alleged NPAS voicemails identified the caller only as “NPAS” rather than by its full business name, allegedly violating FDCPA Sections 1692e(11) and 1692e(14), which require debt collectors to identify themselves truthfully in every communication. The Sixth Circuit dismissed for lack of Article III standing, not on the merits. The voicemail conduct itself was not cleared by the dismissal.
A separate documented complaint settled for $2,100. NPAS allegedly threatened immediate arrest and wage garnishment in that case. Neither threat is lawful without a court judgment. When we open an NPAS file, we pull every voicemail the client saved. The Ward case turned on exactly that type of disclosure failure. Those recordings are often the strongest evidence available.
NPAS Solutions Complaint Patterns You Should Know
According to BBB records, NPAS Solutions has accumulated 36 complaints since its profile opened in 2016. Consumer complaint sources, including the CFPB database and BBB filings, reveal patterns that go beyond ordinary billing disputes.
- Voicemails that allegedly failed to identify the caller as a debt collector, the same conduct at issue in the Ward Sixth Circuit case
- Billing demands for services at hospitals that consumers allegedly never visited, including a documented complaint from a consumer who received demands for care at a facility she had no connection to
- Payment misapplication: a documented complaint describes a consumer’s payment being routed to the wrong hospital entirely, with NPAS continuing collection activity afterward
- Calling consumers who told NPAS to stop, with at least one documented case where NPAS made contact after a cease-and-desist was sent
- Threatening wage garnishment and arrest without a court judgment, with a documented $2,100 settlement for that conduct
In our practice, we document payment misapplication cases immediately upon receiving a client file. The paper trail is clear when a consumer has a bank confirmation showing payment went through. That confirmation, combined with NPAS’s continued collection activity, may establish a violation on its own.
Is NPAS Solutions a Scam
NPAS Solutions is a real, licensed medical debt collection agency and an HCA Healthcare subsidiary. Licensed does not mean every tactic is legal. According to BBB records, consumers have alleged NPAS contacted them about debts for hospitals they never attended. Consumers have also alleged NPAS continued calling after written cease requests were received.
Some consumers report receiving NPAS voicemails from a callback number different from the number that called them. The Ward litigation specifically documented this conduct. The voicemail failed to clearly identify the true entity leaving the message. If you received a voicemail from NPAS, save it now. If it did not clearly identify the caller as a debt collector, that recording is potential evidence.
In our practice, when a consumer reports an unclear NPAS voicemail, we listen to it first. Caller identification disclosures are one of the most documentable FDCPA issues. Caller identification disclosures are one of the most documentable FDCPA issues, because the recording speaks for itself.
Is NPAS Solutions Banned by the FTC
No. NPAS Solutions has not been banned by the FTC. The agency holds BBB accreditation since 2016 and operates under standard federal debt collection licensing. However, the absence of an FTC ban does not mean NPAS’s conduct has been without scrutiny. The CFPB complaint database reportedly contains consumer submissions against NPAS. The agency has also faced federal appellate litigation over voicemail disclosure practices. The $2,100 settlement for threatening arrest and wage garnishment documents NPAS resolving an FDCPA claim through payment. That pattern is relevant to any new case involving similar threats. That pattern is relevant to any new case involving similar threats.
How The Wood Firm PLLC Helps Stop NPAS Solutions Harassment
The Wood Firm PLLC opens every NPAS file by pulling all voicemails, collection letters, and payment records. The complaint patterns documented against NPAS include voicemail disclosure failures, payment misapplication, and false arrest threats.
Those are exactly the records we examine on day one. Each creates its own category of FDCPA or TCPA exposure. We also cross-reference the hospital name in any NPAS letter against the client’s actual treatment history. Billing demands for hospitals a consumer never visited appear in documented complaints. Those create a straightforward dispute foundation.
The Wood Firm PLLC represents consumers only, never creditors or debt collectors. Our contingency model means you pay nothing unless NPAS violates federal law. If they did, they would pay our fees. Reach us at +1-844-638-1122.
NPAS threatened arrest? Billed you for a hospital you never visited? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency: if they violated federal law, they pay our fees.
Frequently Asked Questions About NPAS Solutions
Is NPAS Solutions legit
NPAS Solutions is a real, licensed medical debt collector and a direct subsidiary of HCA Healthcare. Licensed does not mean every tactic is legal. BBB records and federal litigation show documented patterns of allegedly unlawful conduct. Documented issues include voicemail disclosure failures and false arrest threats.
Why is NPAS Solutions calling you
NPAS Solutions is calling because a hospital or healthcare provider referred your unpaid account to the agency. NPAS specializes in medical debt. Before paying, request written validation. Confirm the debt is accurate and that the hospital listed is one you actually visited.
Who does NPAS Solutions collect for
NPAS Solutions collects primarily for HCA Healthcare-affiliated hospitals across the United States. The agency also works with other healthcare providers. A billing demand for a hospital you do not recognize may warrant an immediate written dispute.
Can NPAS Solutions threaten you with arrest or wage garnishment
No. A debt collector cannot threaten arrest for an unpaid consumer debt. NPAS cannot threaten wage garnishment without first obtaining a court judgment. A documented NPAS case settled for $2,100 after the agency allegedly made both threats. Document any such threat immediately.
Can NPAS Solutions contact your family or employer
No, not to discuss your debt. NPAS may contact a third party once to locate you. It may not disclose that you owe a debt. Calling your employer after being told not to is a standalone FDCPA violation. Each prohibited call may be worth up to $1,000.
What do you do if NPAS Solutions calls about a debt you already paid
Gather your payment confirmation immediately, including bank statements, receipts, or any written acknowledgment from the hospital. Send a certified letter to NPAS with that documentation. Documented NPAS complaints include cases where payments were routed to the wrong facility and NPAS continued collecting.
Can NPAS Solutions report your debt to the credit bureaus
Yes, NPAS can report delinquent accounts to the major credit bureaus. If the entry contains an inaccurate balance or the wrong hospital name, those errors support an FDCPA dispute. An entry that appears after you already paid may also support an FCRA claim. See also: stopping collection agency debt harassment.
How do you get NPAS Solutions to stop calling you
Send a written cease-and-desist letter by certified mail with return receipt requested. Once NPAS receives it, the agency may only contact you to confirm no further contact. It may also contact you to notify you of specific legal action. Each call after receipt may be a standalone FDCPA violation.
Take Action Before NPAS Solutions Contacts You Again
Document every NPAS contact now: date, time, number, and what was said. Save every voicemail. If a voicemail did not identify the caller as a debt collector, save it. That recording may evidence an FDCPA Section 1692e(11) violation. That is the exact claim at issue in the Ward federal case.
The FDCPA’s statute of limitations is one year from the date of each violation. Acting early preserves your options. Call +1-844-638-1122 for a free review with The Wood Firm PLLC. We represent consumers only and work entirely on contingency. Additional state-level resources are available through the Missouri Attorney General Consumer Protection office.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
