NORTHERN TERRACE DATA BREACH

March 31, 2025 – Las Vegas, Nevada - On March 5, 2025, the Northern Terrace Homeowners Association Board of Directors and its managing agent, CAMCO (Complete Association Management Company), posted unredacted December 2024 financial statements that publicly disclosed sensitive personal information for a majority of the association’s homeowners.

The document, accessible to the entire membership, included homeowners' names, property addresses, CAMCO account numbers, and account statuses—such as delinquency, pre-intent to lien, collections, bounced checks (marked as “bad debt”), and late fees—along with other personal data collected by the HOA.

After reviewing the document, I couldn’t help but ask: Why is this information being made public? The only plausible explanation appears to be an attempt to shame homeowners into compliance—possibly as a deflection tactic ahead of backlash at the Budget Ratification Meeting regarding the 25% assessment increase.

This egregious breach of privacy stands in direct contradiction to the promises of transparency made by current Board members James Klosty, Audrey Romero, Lori Spredeman, Ped Palmer, and Samuel Ever. Directing management to release personal homeowner data is a serious violation of trust and a clear overstep of their authority.

Former Board member Ben Pepa had previously warned homeowners—only to be dismissed and ridiculed by both fellow Board members and some attendees. During open meetings, Mr. Pepa disclosed serious concerns, including checks issued with unauthorized signatures, mishandling of over $600,000 in funds, unannounced Board meetings, and other questionable practices. When he called for an investigation and forensic audit, the motion was denied, triggering an investigation by the Las Vegas Metropolitan Police Department’s Financial Crimes Unit. That investigation was stymied due to CAMCO’s lack of cooperation.

It’s worth noting that three of the five current Board members were not elected by the membership. They were hand-selected by Mr. Klosty and Ms. Romero, reportedly for their “investigative experience” and prior Board service—an appointment announced during the November 12, 2024, Board meeting. However, under NAC 116.405(1) & (2), conducting investigations or acting as Collection Agents is not a legal duty of any HOA Board. Publishing personal information in this manner directly violates NRS 116.31175 and NRS 603A.220, which govern data protection and privacy.

In just four months, this Board and its management company have:

• Pushed through a 25% assessment increase;
• Cut operations by 25%;
• Publicly exposed personal data for 920 homeowners;
• Deflected all accountability during the Budget Ratification meeting.

And now, rather than take responsibility, it’s likely they will shift the blame—onto an assistant, a prior board, or anyone but themselves.

This happened.  You don’t have to take my word for it.

The facts can be verified:

• The unredacted financials can still be downloaded from the CAMCO Resident Portal:
  Documents > Financials > December 2024 Financials (posted 03/05/2025)
• The November 12, 2024 Board meeting—where new members were appointed—is also on the portal:
  Documents > Audio Files > November 12 Board Meeting Recording (posted 11/15/2024)

I urge homeowners to review this evidence before it’s removed. Don’t let a serious data breach and violation of your privacy be swept under the rug.