NORTHERN TERRACE DATA BREACH

MARCH 31, 2025 - LAS VEGAS, NEVADA - On March 5, 2025 the Northern Terrace Homeowners Association Board of Directors and its agent CAMCO (Complete Association Management Company) posted un-redacted December 2024 Financials' disclosing a majority of the memberships personal information.

The personal information disclosed consist of homeowner names and address, CAMCO account numbers, status of accounts (delinquency, pre-intent, collections, bad checks (“bad debt”), late fees, etc.) along with various other personal information collected by the HOA.

After reviewing the financials, I had to ask myself why is “personal information” being published for the entire association membership to view?  My only thought was to embarrass homeowners into compliance and to deflect responsibility at the homeowners meeting regarding the assessment increase. 

The current Board of Directors James Klosty, Audrey Romero, Lori Spredeman, Ped Palmer and Samuel Ever swore transparency.  This is definitely a breach of homeowner trust directing management disclose personal information to the membership.

Former board member Ben Pepa advised homeowners, during meetings, of warning signs to be ridiculed by fellow board members and attending homeowners. Mr. Pepa made known that association checks were issued using his and a former board member’s signatures who were no longer authorized to do so, management’s mishandling of checks totalling over $600k, secret meetings to conduct association business and more.  The Board at that time refused a motion for investigation and forensic audit which resulted in a LVMPD investigation by their Financial Crimes unit against CAMCO and Northerner Terrace Homeowners Association.  The outcome of this investigation was that CAMCO and its staff were uncooperative with the investigators.

Three of the five members were not voted onto the Board. These homeowners were selected by Mr. Klosty and Mrs. Romero for their "investigative experience" and past service as board members.  This was announced at the November 12, 2024 board meeting².

Conducting investigations or acting as Collection Agents on behalf of the Association is not a duty of the Board of Directors (NAC 116.405(1)&(2)).  The logical conclusion is board members will be investigating homeowners, as is evident by the publishing of homeowner personal information in contradiction to state law (NRS 116.31175)(NRS 603A.220).

In four months, this board and management have recommended and voted to raise assessments by 25%, reduce hours of operations by 25%, publish personal information of 920 homeowners and then deflect responsibility for these actions at the homeowners Budget Ratification meeting.

It is unfortunate that the Board of Directors and management will probably place blame on an assistant or previous board members instead of taking ownership for this blatant disregard of homeowner confidentiality and privacy.

This can be fact checked by listening to the past board meeting audio recordings.   You are urged to validate this before they remove the evidence of this data breach.

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': Document can be downloaded from the CAMCO resident portal under Documents > Financials > December 2024 Financials  posted on 03/05/2025 

²: Recorded audio is available on the resident portal under Documents > Audio Files > November 12 Board Meeting Recording posted 11/15/2024.