Northland Group

Initial Business Response / [redacted] (1000, 5, 2016/02/02) */ February 2, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] ***, Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Client: [redacted] (USA), N.A Original Account No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] regarding the above referenced accountPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential In his complaint Mr [redacted] is requesting Northland provide validation of the above account so that he may determine if any fraud activity impacted the balance owingHe is also requesting the negative item associated with the account be removed from his credit profile and the card be re-activated for use We appreciate being provided the opportunity to assist Mr [redacted] in resolving this matter[redacted] (USA), N.A(" [redacted] ") placed the above account with Northland for collection on or about November 20, A letter to advise Mr [redacted] of such and of his right to dispute the debt was sent to him on or about November 22, A second letter regarding the account was sent on or about January 18, We have no record of having had any direct communication from or with Mr***We were unaware of his dispute of the account until your notification of his complaint The information immediately available to our office indicates the account was opened via an online application on or about January 30, The last payment received was on or about March 24, for $and the account was charged off on or about October 14, The last three charges to the card viewable by our office were by "Netflix.com"; each for $on January 26, 2015, February 26, 2015, and March 26, A request has been submitted to [redacted] for the responsive documentation related to the accountThe information we receive will be forwarded to Mr [redacted] upon our receiptIn the meantime, the file will remain on hold in our officeMr***' patience during this process is appreciated In regard to his desired resolution, Northland does not report any information to the credit reporting bureaus and has not reported the above account to Mr***' credit profileFurthermore, Northland cannot affect a change as to how any other company or entity may have reported the accountAs well, the above account would not be eligible for reopening; however, Mr [redacted] could contact [redacted] directly to explore the option of applying for a new line of credit with them Sincerely, Christina [redacted] Resolution Coordinator This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I spoke with capital one along time ago trying to get this taken cARE.THEY WAS VERY RUDE TO ME AND MY WIFE AND THE WAY THEY TALKED TO US WAS NOT VERY NICE.THEY DIDNT SPEAK ENGLISH VERY WELL AND WHEN I ASKED TO SPEAK TO SOMEONE ELSE I WAS TOLD NO THAT I HAD TO DEAL WITH THEM AND THAT WAS THAT.EVERYTIME THEY CALLED I TOLD THEM I COULDNT UNDERSTAND THEM TO HAVE SOMEONE SPESK ENGLISH AND CALL ME.THEN THEY STATED USING FOWL LANGUAGE Final Business Response / [redacted] (4000, 9, 2016/02/12) */ February 12, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] ***, Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Client: [redacted] (USA), N.A Original Account No.: [redacted] Balance: $ Dear Mr [redacted] , Thank you for affording Northland Group, Inc("Northland") the opportunity to respond Mr***' additional concernsPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential In regard to Mr***' additional claims regarding his direct experience with [redacted] (USA), N.A(" [redacted] "), his viewpoint is valued greatly by our client and we have communicated this feedback to them Please be advised since responding to his original complaint on February 1, 2016, Northland provided Mr [redacted] with the responsive documentation related to the accountIf after reviewing the information, Mr [redacted] believes the above balance is the result of fraudulent activity, we encourage him to contact [redacted] directly to initiate a fraud investigation To otherwise discuss resolution of the account, Mr [redacted] may contact Northland directly toll free at [redacted] , via mail at [redacted] Minneapolis, MN 55439, via email at [redacted] @northlandgroup.com, via fax at [redacted] , or he may visit our website to explore available payment options at www.payments2northland.com Sincerely, Christina [redacted] Resolution Coordinator This is an attempt to collect a debt and any information obtained will be used for that purpose This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Initial Business Response / [redacted] (1000, 5, 2016/02/11) */ February 11, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] Northland Reference No.: [redacted] & [redacted] Creditor: Department Stores National Bank Regarding: [redacted] Original Account No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by ** [redacted] regarding the above referenced accountPlease accept this letter as our response to her complaintThe information contained in this response is personal and confidential In her complaint, ** [redacted] states three payments of $were paid to Northland on January 30, 2013, February 6, 2013, and February 28, to satisfy the above account based on a settlement offer she received from our office in January ** [redacted] states she was never notified of a past due payment and has discovered Northland not only recently viewed her credit report but, is attempting to collect on a remaining balance of $In contacting our office regarding the matter, it was confirmed that payment was received on January 30, and February 6, 2013; however we did not have record of the final payment made on February 28, She is requesting the final payment be applied to the original settlement agreement and Northland update its records to reflect the account as paid and notify the credit reporting agencies of the same We have reviewed our files related to ** [redacted] ' claimThe above account was initially placed with our office by [redacted] for collection on or about September 7, (Northland Reference Number: [redacted] )During placement, Northland made several attempts to communicate with ** [redacted] by phone and mailOf those attempts, an offer to settle the account for three payments of $was mailed to ** [redacted] on or about January 8, On January 30, 2013, Northland did receive the first installment of $In response, Northland sent ** [redacted] a notice via mail on or about February 4, requesting the second installment of $be received in our office on or before February 28, Northland did not receive payment following that communication Attempts were made to reach ** [redacted] by phone regarding the past due payment all of which resulted in no answerWe sent two additional notices by mail on or about April 4, and February 19, attempting to formulate a new payment arrangement with ** [redacted] and received no responseThe account was recalled from our office on January 5, Just recently, the file was replaced with our office by ***'s for collection on or about January 8, (Northland Reference Number: [redacted] )The balance listed is $This would explain Northland's permissible purpose for obtaining ** [redacted] ' credit reportUnder section 1681b(a)(3)(A) of the FCRA, a consumer report may be obtained by a person who "intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer." U.S.C§ 1681b(a)(3)(A) (emphasis added) Notification of the placement and of ** [redacted] ' right to dispute the debt was mailed to her on or about January 10, On January 19, 2016, we received a phone call from ** [redacted] During the call, she did state that the account was paid to Northland in The agent assisting ** [redacted] discovered record of the initial placement of the account and confirmed Northland directly received a payment of $on January 30, Based on the information provided to Northland by ***, there was record of a payment being applied to the account on February 6, 2013; however, this payment was not received or deposited by Northland As to the details ** [redacted] provided in her complaint pertaining to the February 28, payment, we have concluded that it was also not received or deposited by NorthlandThis is evident in the receipt she provided when the money gram was purchased on February 28, The receiver is noted as [redacted] Northland is not affiliated with [redacted] and we would not have been made aware of a payment being received by them intended for the account in questionUnfortunately, we are also not in a position to directly contact [redacted] concerning a payment they may have received from ** [redacted] Without additional information, we are unable to further assist in the investigation of this matterIn honor of ** [redacted] ' request, Northland has ceased all collection efforts and returned the account to ***'In regard to credit reporting, Northland does not report any information to the credit reporting bureaus and has not reported the above account to ** [redacted] ' credit profileFurthermore, Northland cannot affect a change as to how any other company or entity may have reported the account For further information regarding the account, ** [redacted] may contact [redacted] directly at Citicorp Credit Services, Attn: Agency Customer Service, PO Box 20523, Kansas City, MO Sincerely, [redacted] Resolution Coordinator Northland Group, Incis licensed by the Collection Service Board of the Department of Commerce and Insurance This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/02/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received correspondence from Revdex.com on 2/16/concerning the Northland's Group, Inc (NGI) response of my initial claimI initiated the proactive communication and contacted the company mentioned in the closing remarks of NGI's response for information regardng the accountThe correspondence confirmed my claimThere was no mention of such account showing any such claim of a debt being owed or of a past due balance or active account in their database - As stated in my initial complaintI also had not received any correspondence from NGI in concerning that accountI am satisfied with NGI's resolution of ceasing all contact and collection efforts on behalf that claimed account

August 29, Ms [redacted] Revdex.com South River Ridge Circle Burnsville, MN Re: Mr [redacted] , Revdex.com ID No.: [redacted] Northland Reference No.: [redacted] Creditor: [redacted] Regarding: [redacted] Original Account No.: [redacted] Dear Ms [redacted] , Northland Group, Inc(“Northland”) has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] regarding the above referenced accountPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential According to Mr [redacted] ’ complaint he received a written communication from Northland regarding an outstanding balance on the above account; however, he has proof the account was closed and paid over two years agoMr [redacted] is requesting the account be completely removed from his credit profile as resolution to this matter Please note the account is still owned by the above listed creditor whom placed it with Northland for collection on or about May 17, with a balance of $2,The information provided to Northland by the creditor indicates the account was opened on or about November 21, The account was charged off on or about December 1, and the last payment received was on or about August 7, A letter to advise Mr [redacted] of the account being placed with our office and of his right to dispute the debt was mailed on or about May 18, A second notice regarding the account was mailed on or about August 10, Your notification of Mr [redacted] ’ complaint is the first communication Northland has received regarding his dispute of the accountNonetheless, Northland has since ceased its collections efforts and returned the file to the creditor with notification of Mr [redacted] ’ complaint for their review It is our understanding the creditor’s preliminary investigation of Mr [redacted] ’ claim yielded no evidence of the account having been paidTo review the matter further, documentation to exhibit the payment in question would be requiredMr [redacted] can forward this information directly to our office processing via mail to the following address: [redacted] , Minneapolis, MN 55439; via email to [email protected]; or via fax to ###-###-####To ensure his correspondence is processed timely, we encourage him to please write the above listed Northland reference number on the correspondenceIf it is his preference, Mr [redacted] may also contact [redacted] toll free at ###-###-#### with any additional questions or concerns he may have In regard to credit reporting, Northland does not report any information to the credit reporting bureaus and has not reported the above account to Mr [redacted] ’ credit profileFurthermore, Northland cannot affect a change as to how any other company or entity may have reported the account Sincerely, Christina [redacted] Resolution Coordinator This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Initial Business Response / [redacted] (1000, 5, 2015/04/24) */ April 24, Mr [redacted] Black River Falls, WI Re: Revdex.com Complaint ID No [redacted] Dear Mr [redacted] : Northland Group, Inc("Northland") has obtained and reviewed your complaint filed through the Revdex.com ("Revdex.com")Please accept this letter as our response to your complaintThe information contained in this response is personal and confidential We have reviewed our records and located an account in our office based on the information provided in your Revdex.com complaintYour Revdex.com complaint states that you received a letter in the mail from our office regarding a debt and that you believe the debt is not validYour complaint further states that the address on your letter did not match the address on Northland's website and also that the letter requested payments through arm1.payments.com which is different from Northland's website Please note that Northland executed an asset purchase of Accounts Receivable Management, Inc("ARM") on October 1, ARM's headquarters was located in Thorofare, NJWhen Northland acquired ARM, it also acquired ARM's New Jersey and Kentucky locationsYour debt was originated in the New Jersey office which is why the address on the letter lists the Thorofare, NJ office and does not match the Minnesota address listed on Northland's websiteThe address listed on Northland's website is Northland headquartersAdditionally, the payment website that was provided in your letter is the same website that was operated by ARM and is now operated by NorthlandWe certainly understand the confusing nature of this situation Since you believe that our letter was sent to you in error and that you are not responsible for the debt, we have forwarded your Revdex.com complaint as a dispute and request for validation to the original creditorWe have placed your account in a "Cease and Desist" status and we will not make any effort to contact your or collect on this account until we have obtained validation of this debt and mailed it to the address on file We do hope this response provides you with an understanding of our positionWe appreciate the opportunity to address this matter Sincerely, [redacted] In House Counsel Northland Group [redacted] Thorofare NJ, [redacted] ext [redacted] This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

April 6, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: Ms [redacted] , Revdex.com Complaint No.: [redacted] Northland Reference No.: [redacted] Creditor: [redacted] Regarding: [redacted] Original Account No.: [redacted] Northland Reference Number: [redacted] Creditor: [redacted] Regarding: [redacted] Original Account No.: [redacted] Balance: $2, Dear Mr [redacted] , Northland Group, Inc(“Northland”) has obtained and reviewed the complaint filed through the Revdex.com by Ms [redacted] regarding the above referenced accountsPlease accept this letter as our response to her complaintThe information contained in this response is personal and confidential According to Ms [redacted] ’s complaint she has experienced some difficulty in working with Northland in her attempts to repay the above accountsWe appreciate the opportunity to address this matter and Ms [redacted] ’s continued desire to resolve the account(s) with our office We would first like to address Northland Reference Number [redacted] The account was placed with our office for collection by [redacted] on or about April 7, A letter to advise of such and of Ms [redacted] ’s right to dispute the debt was mailed on or about April 9, Two additional notices were sent on or about May 13, and June 12, Thereafter, Northland received two payments of $by mail on June 26, and July 13, We also received a payment via our payment website for $on July 21, Prior to receipt of those payments, Northland had not had any communication from or with Ms [redacted] On August 25, 2015, thirty days had passed since we received payment and a notice advising of such was mailed to Ms [redacted] On September 1, 2015, Ms [redacted] contacted our office by phone stating to believe she had set payments up to be automatically withdrawnAlthough we had record of Ms [redacted] accessing our payment website, our records indicated there were no postdated transactions scheduled by Ms [redacted] following the July 21, paymentAt that time, our agent offered to take Ms [redacted] ’s $monthly payments by phoneShe would simply need to authorize the payments online through a link we would provide by emailMs [redacted] agreed to these terms and payments were to commence on September 21, and extend through August 21, In concluding the call, the agent attempted to provide Ms [redacted] with a required script wherein she would permit Northland to contact her via email; however, the call suddenly endsThis unfortunately prevented the link from being emailed to Ms [redacted] which ultimately resulted in the payments being terminated on the fileWe have no record of having received a phone call from Ms [redacted] or having spoken with her following September 1, on the fileSubsequently, the account was recalled from our office by [redacted] on or about October 15, Regarding Northland Reference Number [redacted] , the account was placed with Northland by [redacted] for collection on or about December 11, A letter to advise Ms [redacted] of such and of her right to dispute the debt was mailed on or about December 13, Four additional notices were sent offering various payment options on or about January 16, 2015, February 15, 2015, March 17, and April 16, On May 4, 2015, Northland received the first payment of a twelve pay settlement agreement in response to our April 16, letterPayments were regularly received by mail through August Ms [redacted] made her September and October payments via our free payment by phone serviceOn November 23, 2015, Ms [redacted] contacted our office by phone and authorized automatic withdrawals from her debit card through March which would satisfy the settlement agreementPayments posted as agreed on November 23, and December 20, On January 15, 2016, we received a call from Ms [redacted] advising the debit card she had payments being deducted from was lost and she needed to provide new card information for payments going forwardAt that time, Northland had payments scheduled for January 20, 2016, February 20, and March 20, The agent assisting Ms [redacted] deleted the payments reflecting the old card information and re-set a payment for January 20, with the new card informationUnfortunately, a review of the call in question indicates resetting postdated payments for February and March was not discussedNonetheless, we can most certainly understand Ms [redacted] ’s assumption that they would have been With that being said, we obtained permission from [redacted] to continue with the original settlement agreementMs [redacted] has since contacted our office and we can confirm the account is now closed as settled in full and will be returned to [redacted] as suchA letter confirming the resolution of the account will follow this response separately and directly to Ms [redacted] by mailIf she should have any additional questions or concerns she may contact our office toll free at ###-###-####On behalf of Citibank, N.A and Northland, we thank Ms [redacted] for her patience and for resolving the account We are required to inform Ms [redacted] of the following: [redacted] will report any discharge of indebtedness as required by the Internal Revenue Code and corresponding IRS regulationsPlease contact your tax advisor if you have any questions Sincerely, Christina [redacted] Resolution Coordinator The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before a.mor after p.mThey may not harass you by using threats of violence or arrest or by using obscene languageCollectors may not use or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at workFor the most part, collectors may not tell another person, other than your attorney or spouse, about your debtCollectors may contact another person to confirm your location or enforce a judgmentFor more information about debt collection activities, you may contact the Federal Trade Commission at 1-877- FTC-HELP or www.ftc.gov This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.This is [redacted] You was working on my Complaint ID [redacted] I just want to let you now that I finally reached a mutual agreement with Northland Group, IncI called them up to follow up on the status and I was able to make my final payments and it all solved.Thank you for your assistanceIt is deeply appreciated

Initial Business Response / [redacted] (1000, 5, 2015/04/30) */ April 30, Ms [redacted] Lexington, KY Re: Revdex.com Complaint ID No [redacted] Dear Ms [redacted] : Northland Group, Inc("Northland") has obtained and reviewed your complaint filed through the Revdex.com ("Revdex.com")Please accept this letter as our response to your complaintThe information contained in this response is personal and confidential We have reviewed our records and located an account in our office based on the information provided in your Revdex.com complaintYour Revdex.com complaint states that you received a letter from Northland for a debt that you already paidYour complaint further states that you request that Northland cease and desist all contact with you A review of the account indicates that it was referred to our office for collection on April 9, On April 10, 2015, an initial notice was sent to the address on fileSince you believe that our letter was sent to you in error and that you are not responsible for the debt, we have forwarded your Revdex.com complaint as a dispute and request for validation to the original creditorIn honor of your request to discontinue communication with you, Northland has placed your account in a "Cease and Desist" status and no further collection activity will be attempted We appreciate the opportunity to address this matter Sincerely, [redacted] In House Counsel Northland Group [redacted] Thorofare NJ, [redacted] ext [redacted] This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/05) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 9, 2015/07/15) */ July 13, Ms [redacted] Brooklyn, NY 11215- Re: Revdex.com Complaint ID No [redacted] Dear Ms [redacted] : Northland Group, Inc("Northland") has obtained and reviewed your complaint filed through the Revdex.com ("Revdex.com")Please accept this letter as our response to your complaintThe information contained in this response is personal and confidential We have reviewed our records and located an account in our office based on the information provided in your Revdex.com complaintYour Revdex.com complaint states that you received a collection notice from Northland for a debt that you state is not outstandingYour complaint requests that Northland cease all collection activity A review of the account indicates that it was referred to our office for collection on or about May 28, An initial notice was mailed to the address on file on or about May 28, On June 9, 2015, [redacted] ("AES") received a payment and subsequently, on June 10, 2015, the account was removed from our office and returned to AES for servicingWe want to clarify that you are still a customer of [redacted] Bank [redacted] transferred the servicing of your private student loan(s) to AESAES is an entity that specializes in the servicing of student loansNorthland attempts to contact customers that have fallen eight or more days behind in making payments At this time, based upon your request, we have placed your account in a "Cease and Desist" status and all collection activity has ceasedPlease be advised that Northland does not report to the credit bureausWe appreciate the opportunity to address this matter Sincerely, Amber [redacted] In House Counsel Northland Group [redacted] Thorofare NJ, [redacted] Initial Consumer Rebuttal / [redacted] (2000, 11, 2015/07/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2016/01/29) */ January 29, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] , Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Client: [redacted] Regarding: [redacted] Original Account No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] regarding the above referenced accountPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential In his complaint, Mr [redacted] states Northland advised him that if he paid the above account, it would be removed from his credit profileHe is requesting the derogatory item related to the account be immediately removed with all three major credit reporting agencies Northland has reviewed its file as it pertains to Mr [redacted] 's claim [redacted] ("PCS") placed the account with Northland for collection on or about January 13, Our first record of contact with Mr [redacted] was on July 10, when he phoned our office in response to a settlement offer he had received by mail During the phone call, Mr [redacted] agreed to complete a $settlement amount in six monthly payments of $In discussing payment, Mr [redacted] did raise the question as to if the account could be removed from the credit bureaus once paidHe was informed at that time that Northland is not a credit reporting agency and that our office would simply issue a letter by mail confirming resolution of the accountHe was also advised that any applicable credit reporting updates would be controlled by PCS Following our phone call from Mr [redacted] , all six payments of $were received in a timely manner resulting in the account being closed in our office as settled on January 5, As promised, confirmation of such was issued to Mr [redacted] by mail on or about January 12, We received no further communication from Mr [redacted] until recently by phone on January 22, During the call, Mr [redacted] claimed the above account was still reporting to his credit profile despite being advised by Northland that it would be removed if paidNorthland's agents again advised that Northland is not a credit reporting agency and that PCS would manage the update to the associated tradelineMr [redacted] confirmed the account was reporting as paid on his credit profile but, continued to assert that it should have been removed In summary, we can confirm Northland's agents did not advise Mr [redacted] that the above account would be removed from his credit profile if paidFurthermore, Northland does not have the ability or authorization to impact a change as to how or if the account is being reported to his credit profileWe do hope this response provides him with an understanding of our position Sincerely, Christina [redacted] Resolution Coordinator This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) It's not the credit bureau that's reporting the informationIt's the debt collectorThe credit bureaus stated I need to contact the collection agencies to have it removedIf pinnacle is a collection agency, and Northland is a collection agencyWho really owns this debt? Northland Group or Pinnacle? I have never heard of two collection agencies collecting on the same accountNorthland group collected the debt, but pinnacle reportsMakes no sense, just a bunch of hot airWeather I accept or don't accept their answer there is nothing that I can doI'm being forced to accept their fluff Final Business Response / [redacted] (4000, 9, 2016/02/04) */ February 4, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] , Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Client: [redacted] Regarding: [redacted] Original Account No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] Please accept this letter as our response to his complaintThe information contained in this response is personal and confidential Based on his most recent complaint, there appears to be some confusion on Mr [redacted] 's part as far who owns the debt and or would have the ability to remove the account from his credit profile as he so desiresThank you for affording Northland the opportunity to receive Mr [redacted] 's feedback and respond to his concerns To confirm, Northland does not and has not had any ownership rights to the accountNorthland is a third-party collection agency and [redacted] ("PCS") placed the account with Northland to collect the outstanding balance dueThe account was placed with Northland by PCS on or about January 13, As to credit reporting, Northland is not a credit reporting agency and Northland does not have the ability to credit report an accountFurther, Northland has no ability or authorization to impact a change on Mr [redacted] 's credit profile, or otherwise delete an account from Mr [redacted] 's credit profile Please be advised, PCS has confirmed they too have received direct contact from Mr [redacted] concerning the credit reporting of the account and he was advised by them that the account would not be deletedIt is our understanding PCS also responded to a Trans Union credit bureau dispute and confirmed the account was paid and would not be deletedWe do hope this response provided Mr [redacted] with clarification he sought regarding ownership of the account Sincerely, Christina [redacted] Resolution Coordinator This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Initial Business Response / [redacted] (1000, 5, 2016/01/22) */ January 22, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] , Revdex.com Case No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] Please accept this letter as our response to his complaintThe information contained in this response is personal and confidential According to his complaint, Mr [redacted] states Northland continues to call his cell phone number [redacted] despite having been advised by our agency that we would remove his number from our database We appreciate being afforded the opportunity to address this matterOur investigation regarding revealed Northland did make attempts to Mr***'s telephone number of [redacted] Our first recorded contact with Mr [redacted] was on August 6, During the phone call, he advised the telephone number of [redacted] was incorrect for the male we were intending to reachFollowing the phone call, his number was updated to prevent any future phone calls to his telephone number on the file Subsequently, in December another file was placed with our office which also listed [redacted] as a contact number for the party (a female)This unfortunately resulted in an additional contact with Mr [redacted] on January 12, wherein he again advised that the telephone number was incorrect for the second individual Following our contact with Mr [redacted] on January 12, 2016, Northland placed an internal block on the telephone numberThis will prevent the number from being dialed in the futureWe do hope Mr [redacted] finds this response satisfactory as a resolution to this matter Sincerely, Christina [redacted] Resolution Coordinator Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/01/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) This was not only the second call, at a minimum this was the forthEach time your associate called regarding the same female, TeresaEach time I asked to be removed, each time I was assured I was, to date after asking to be removed I have continued to be called I will not accept this letter as a resolutionDocumented proof that my number is now on a blocked list will be the only resolution I will acceptAfter all, to date, the company has given their word several times that I would not be called again Final Business Response / [redacted] (4000, 9, 2016/01/29) */ January 29, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] , Revdex.com Case No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] Thank you for affording Northland the opportunity to receive Mr***'s feedback and respond to his concernsPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential Mr***'s most recent complaint refers to an issue identical to that addressed in his earlier complaint filed through the Revdex.com received by Northland on January 13, Northland issued its response regarding that matter on January 22, .According to his complaint, Northland continued to call Mr***'s cell phone number of [redacted] despite having being assured by our agency that we would remove his number from our database To confirm, Northland did make attempts to Mr***'s telephone number of [redacted] Our first recorded contact with Mr [redacted] was on August 6, During the phone call, he advised the telephone number was incorrect for the male we were intending to reachThe intended party's file was immediately updated to prevent any future phone calls to the telephone number Subsequently in December 2015, a new file was placed with our office which also listed [redacted] as a contact number for the party (a female)This did unfortunately result in an additional contact with Mr [redacted] on January 12, wherein he again advised that the telephone number was incorrect for the second individual On January 12, 2016, Northland placed an internal block on the telephone number preventing it from being dialed any furtherA secondary review of the files which previously listed Mr***'s telephone number has confirmed the block is in effect; Northland has not since called Mr***'s identified telephone numberNorthland is unable provide confirmation of such other than in writingWe do hope this provides you with an understanding of our position Sincerely, Christina [redacted] Resolution Coordinator

Initial Business Response / [redacted] (1000, 5, 2015/06/16) */ June 16, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: Ms [redacted] Revdex.com Case No.: [redacted] Dear Mr [redacted] , Northland Group, Inc ("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Ms [redacted] Please accept this letter as our response to her complaintThe information contained in this response is personal and confidential In her complaint, Ms [redacted] states to have received mail from Northland at her residence for another consumer/consumer's accountOur records indicate letters were mailed to Ms [redacted] 's address in the attempt to reach our intended party on or about October 10, and November 13, Northland was not aware the two notices had been sent to the wrong address until a direct correspondence from Ms [redacted] was received by our office on December 26, advising of suchUpon receipt of Ms [redacted] 's notification, Northland immediately removed her address from our file and has not made any further attempt to reach the consumer at her residence Sincerely, Christina [redacted] Resolution Coordinator Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) RESPONSE FROM CONSUMER: 06/20/ Dear Revdex.com Minnesota, Per the reply of Christina [redacted] , she has absolutely ignored my concerns in my complaint regarding the reviewing, accessing and monitoring of my personal credit reports WITHOUT HAVING PERMISSIBLE PURPOSE!!!!!!!!!!! This company illegally obtained my credit information and send someone else's debt letter to me at my residence WITHOUT VERIFYIING THE INFORMATION BEFORE THEY SENT IT!!! I would never have a debt of $14,I have an excellent credit rating and I am apolled that this company is even in business with their fraudulent business tactics in obtaining consumer information without their knowledgeTHIS IS ILLEGAL NORTHLAND GROUP AND I WILL SEE TO IT THAT YOU PAY DEARLY FOR ANY ISSUES I MAY ENCOUNTER DUE TO YOUR INAPPROPRIATE, UNPROFESSIONAL, UNORGANIZED INQUIRIES AND BUSINESS TACTICS!! So NO, I do not accept Christina [redacted] 's reply because she has completely ignored the most important concerns that I stated in my complaint: 1) NORTHLAND GROUP DOES NOT HAVE PERMISSIBLE PURPOSE TO REVIEWING, ACCESSING AND MAKING ANY ASSESSMENTS ON MY CREDIT REPORTS 2) NORTHLAND GROUP SENT ME SOMEONE ELSE'S PERSONAL DEBT COLLECTION LETTER TO MY RESIDENCE WITHOUT VERIFYING THE ADDRESS, NAME ON THIS ACCOUNT AND/OR THE SOCIAL SECURITY NUMBER, DATE OF BIRTH, AND ETCOF THE PERSON BEFORE MAILING THEIR DEBT LETTER TO ME; WHICH IS ILLEGAL!!!!!!!!!!!!! 3) I WANT MY NAME ( [redacted] ), MY SOCIAL SECURITY NUMBER, DATE OF BIRTH, HOME ADDRESS PERMANENTLY DELETED FROM NORTHLAND GROUP'S RECORDSI PROVIDED THESE PEOPLE WITH A COPY OF MY CONFIDENTIAL DOCUMENTS TO CONFIRM MY IDENTITY AND THEY KNOW THEY HAVE THE WRONG PERSON AND I WANT ALL MY INFORMATION DELETED OR THEY WILL RECEIVE A CIVIL LAWSUIT PERIOD!!! I WANT CONFIRMATION IN WRITING WHEN NORTHLAND REPLIES BACK CONFIRMING ALL THESE FACTORS STATED THAT ARE DELETED 4) IF THERE ARE ANY INQUIRIES ON ANY OF MY PERSONAL CREDIT REPORTS I WANT WRITTEN CONFIRMATION FROM NORTHLAND GROUP RIGHT NOW THAT THEY ARE DELETING THEM FROM ALL MAJOR CREDIT REPORTING AGENCIESI WILL BE REVIEWING MY PERSONAL CREDIT REPORTS SHORTLY AS I AM WAITING ON COPIES NOW FROM CREDIT BUREAUS AND IF I SEE ANY TYPE OF ACCOUNT INQUIRIES MADE BY NORTHLAND GROUP WITHOUT PERMISSIBLE PURPOSE, I WILL FILE A CIVIL LAWSUIT AGAINST THEMSO TO AVOID THIS, I WANT A WRITTEN LETTER CONFIRMING THAT ANY INQUIRIES WILL BE REMOVED IMMEDIATELY UPON MY NOTIFICATION THAT I SEE INQUIRIES Until Christina [redacted] 's reply back in letter format in writing clearly confirms the concerns stated herein, I will not close this case and I will continue a Civil Lawsuit, contact the Attorney General, the FTC and any other organization that handles matters involving fraud that collection companies like NORTHLAND GROUP do against consumers and think they are getting away with itSend the written confirmations as stated so I can move onIf not received accordingly in your next reply, you will hear from my Civil Attorney and that's final! Dr [redacted] , PHD MD Final Business Response / [redacted] (4000, 9, 2015/06/26) */ June 26, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: Ms [redacted] Revdex.com Case No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Ms [redacted] Thank you for affording Northland Group, Inc("Northland") the opportunity to receive her feedback and respond to her concernsThe information contained in this response is personal and confidential As stated in our previous response to her complaint, Northland was not aware the two notices sent on or about October 10, and November 13, had been sent to the wrong address until a direct correspondence from Ms [redacted] was received by our office on December 26, advising of suchUpon receipt of Ms [redacted] 's notification, Northland immediately removed her address from our file and has not made any further attempt to reach the consumer at her residence Please note the birthdate and last four digits of the social security number Ms [redacted] provided do not match our file; therefore, Northland would not have obtained a copy of her credit profile in the attempts to collect on the account in which she states to have received mail regarding We would also like to confirm that Northland receives and processes mail returnsThe United States Postal Services does allow the recipient of unwanted or unintended mail to simply return the item without opening so as not to compromise the privacy of the intended partyThe information contained in our notices mailed to Ms [redacted] on or about October 10, and November 13, were not addressed nor intended for her which, Ms [redacted] has acknowledgedWe do hope this response provides Ms [redacted] with an understanding of our position Sincerely, Christina [redacted] Resolution Coordinator

Initial Business Response / [redacted] (1000, 5, 2015/05/11) */ May 11, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Creditor: [redacted] Store Name: ***'s Original Account No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Ms [redacted] regarding the above referenced accountPlease accept this letter as our response to her complaintThe information contained in this response is personal and confidential Based on the review of our file, Ms [redacted] did engage in a three pay settlement agreement with our office on December 31, Payments in the amount of $were secured by phone and scheduled to post on December 30, 2014, January 30, 2015, and February 28, The December payment posted to the account as agreedOn January 6, 2015, ***'s recalled the account from our office which, resulted in the final two payments being deleted from our systemHowever, Northland submitted a request to have the file placed back with our office so that we could continue assisting Ms [redacted] with the resolution of the debt***'s agreed to continue to allow Northland to service the account and replaced the file with our office on or about January 14, On January 14, 2015, Northland reached Ms [redacted] by telephone and advised her of the recent events on the file and sought to secure the final two payments by phone as they were originally scheduledMs [redacted] advised she did not have her checking account information available at that time and asked the agent to follow up with her the following dayNorthland was unsuccessful in making contact with MsGrover immediately thereafterA payment reminder was sent on or about January 22, requesting payment in the amount of $on or before January 30, Northland did not receive contact or payment from Ms [redacted] by January 30, and a notice of the past due payment was issued by mail on or about February 4, On February 10, 2015, Northland received a phone call from Ms [redacted] at which time she made her second payment of three to settle the account by phoneIt was agreed at that time that she would contact our office on or before February 28, to make the last paymentAgain, a payment reminder notice was sent to Mr [redacted] on or about February 17, requesting her final payment in the amount of $to be paid on or before February 28, As we did not hear back from Ms [redacted] by the requested payment date, a settlement cancel notification was sent to her by mail on or about March 12, Nonetheless, as previously stated, we would like to assist Ms [redacted] with the continued resolution of the accountAs such, we can accept her final payment of $to settle the account if paid to our office on or before May 15, Make check payable to DSNBThe payment can be made via our free check by phone service by calling toll free to [redacted] or via our website at www.payments2northland.comWe do hope Ms [redacted] finds this as a satisfactory resolution to this matter Sincerely, [redacted] Resolution Coordinator This is an attempt to collect a debt and any information obtained will be used for that purpose This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Initial Business Response / [redacted] (1000, 5, 2015/07/28) */ July 27, Ms [redacted] Hanover, PA Re: Revdex.com Complaint ID No [redacted] Dear Ms[redacted] : Northland Group, Inc("Northland") has obtained and reviewed your complaint filed through the Revdex.com ("Revdex.com")Please accept this letter as our response to your complaintThe information contained in this response is personal and confidential We have reviewed our records and located an account in our office based on the information provided in your Revdex.com complaintYour Revdex.com complaint states that you are the cosigner on your daughter's student loan and that you both received a collection notice from Northland regarding her student loan accountYour complaint further states that you believe that the letter you received was fraudulentFinally, you request that any negative credit reporting be removed A review of the file indicates that it was referred to our office for collection on or about July 6, An initial notice was mailed to the address on file on or about July 6, On July 13, [redacted] ("AES") received a payment for the past due amount on your daughter's student loan and subsequently, on July 14, 2015, the account was removed from our office and returned to AES for servicing A review of AES account notes indicates that your daughter, [redacted] , placed an inbound call to an AES representative on July 14, The notes state that she informed the AES representative that she received a letter from Northland for a past due amount on her student loanThe AES representative advised her that [redacted] hires Northland as a collection agency if the loan is delinquentWe want to clarify that you are still a customer of [redacted] Bank [redacted] transferred the servicing of your private student loan(s) to AESAES is an entity that specializes in the servicing of student loansWhen a consumer falls eight or more days behind in making payments, the account is transferred to our office for collection, which is what happened with your account Further review indicates that we received an inbound call from you on July 16, inquiring why you received a collection notice from Northland; however, you would not provide the representative with necessary identifying informationPlease be advised that we are obligated to protect the privacy of our consumersWe are not permitted to disclose any personal information until we have verified that we are speaking with the correct party in order to avoid releasing private information with an unauthorized third partyPlease be advised that Northland does not report to the credit bureausWe do hope this response provides you with an understanding of our position Sincerely, Amber [redacted] In House Counsel This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Initial Business Response / [redacted] (1000, 5, 2015/07/08) */ July 8, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Client: [redacted] (USA), N.A Original Account No.: [redacted] Dear Mr [redacted] , Northland Group, Inc("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Ms [redacted] regarding the above referenced accountPlease accept this letter as our response to her complaintThe information contained in this response is personal and confidential According to Ms***'s complaint, the above account was settled in full with payment in the amount of $400.00; however, she has received a bill from our office requesting additional fundsShe is requesting we provide a zero balance confirmation and that we correct her credit reportIf we cannot comply, she is requesting a refund in the amount of $ Based on the review of our file, it appears Ms [redacted] entered into an agreement by phone with Northland on May 22, to settle the above account in a one-time payment of $On June 5, Northland received payment in the amount of $Being the dollar amount received was not the agreed upon amount a notice was sent to Ms [redacted] by mail requesting additional fundsSubsequently on June 17, 2015, a second payment of $was received which satisfied the agreed amountAccordingly, the file was closed in our office as settled and returned to our clientA confirmation of such was issued to Ms [redacted] by mail by our office on or about June 24, In regards to credit reporting, Northland does not report any information to the credit reporting bureaus and has not reported the above account to Ms***'s credit profileFurthermore, we cannot affect a change as to how any other company or entity may have reported the accountIf Ms [redacted] should require additional information as to the status of the account, we encourage her to contact [redacted] (USA), N.Adirectly at [redacted] , Attn: 12077-0370, Richmond, VA Sincerely, [redacted] Resolution Coordinator This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

January 27, Ms [redacted] Revdex.com South River Ridge Circle Burnsville, MN Re: Mr [redacted] , Revdex.com Case No.: [redacted] Northland Reference No.: [redacted] Client: [redacted] Current Creditor: [redacted] Original Creditor: [redacted] Original Account No.: [redacted] Dear Ms [redacted] , Northland Group, Inc(“Northland”) has obtained and reviewed the complaint filed through the Revdex.com by Mr [redacted] regarding the above referenced accountPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential According to his complaint, Mr [redacted] is receiving communication from our office regarding an account that does not belong to himFurther, Mr [redacted] states to have never had any business dealing with the original creditor and believes to have been a victim of identity theft We appreciate Mr [redacted] ’s feedback regarding the account and the opportunity to address his concernsFor his records, the account in question has been placed with our office for collection on two separate occasionsIt was first placed on December 3, Northland sent a letter to advise Mr [redacted] of such on or about December 5, The notice also advised him of his right to dispute the debtWe did not receive any communication from Mr [redacted] during the validation periodOne additional letter was sent to Mr [redacted] on or about January 8, which also yielded no responseSubsequently, the account was recalled from our office on or about March 27, The account was just recently placed with our office for collection a second time on or about November 2, A letter to advise Mr [redacted] of such and of his right to dispute the debt was mailed on or about December 5, We did not receive a response from Mr [redacted] and a second attempt to communicate with him was mailed on or about January 9, Prior to your notification of Mr [redacted] ’s complaint filed with the Revdex.com, Northland had not received a direct dispute of the account from Mr [redacted] nor have we or our client received any documents to support his claim Nonetheless, Northland has ceased its collection efforts and returned the file to our clientIt is our understanding that in the interest of good customer service, they have as well closed the account in their system and terminated all collection effortsWe do hope Mr [redacted] finds this response satisfactory as a resolution to this matter Sincerely, Christina [redacted] Resolution Coordinator This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International This collection agency is licensed by the Minnesota Department of Commerce

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.This is more of the response that I was looking for - someone who would research my account on behalf of their company, not someone who is referring me back and forthI will be patient as they conduct their research and look forward to hearing from them with a legitimate answer in regards to this account they are billing me forIf I do not hear back within days, I will be reaching out againThank you

Initial Business Response / [redacted] (1000, 5, 2015/12/31) */ December 31, Mr [redacted] Mediation Coordinator Revdex.com South River Ridge Circle Burnsville, MN Re: [redacted] ***, Revdex.com Case No.: [redacted] Dear Mr [redacted] , Northland Group, Inc ("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Ms [redacted] ***Please accept this letter as our response to her complaintThe information contained in this response is personal and confidential In Ms***'s complaint she states to have paid an account with our office for her husband and when she contacted our office to inquire about our credit reporting practices, she was rudely denied this informationWe found record of having had two conversations with Ms [redacted] by phone and found no merit to her allegation that an agent or manager with our office was in anyway unprofessional when speaking to herOn both contacts she was simply advised we would be unable to provide any information to her unless given permission by Mr [redacted] to do so Although it is our desire to address Ms***'s concern, Iowa state law dictates that we obtain permission from the consumer to speak with a spouse or any other third partyCurrently our office has no record of having spoken with Mr [redacted] and therefore, we are unfortunately still not in a position to divulge any information related to our company or its business practices We are more than happy to speak with Ms [redacted] openly in the event that Mr [redacted] provides us permission to do soHis authorization can be provided in writing to [redacted] , Thorofare, NJ 08086, via fax to [redacted] , or via phone toll free to [redacted] Sincerely, Christina [redacted] Resolution Coordinator

*** 7,
Mr*** *** Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: Ms*** ***, Revdex.com Case ID: *** Northland Reference No.: *** Dear Mr***,
Northland Group, Inc(“Northland”) has obtained
and reviewed the complaint filed through the Revdex.com by Ms*** *** regarding the above referenced accountPlease accept this letter as our response to her complaintThe information contained in this response is personal and confidential
Ms*** states Northland has contacted her several times by phone requesting her address and social security number without explanation as to the nature of our callShe is requesting we cease from any further attempted phone contact and provide documentation by mail concerning our business with her
Based on the information provided within Ms***’s complaint, Northland can confirm TD Bank, NA placed an overdraft account balance of $with our office for collection on or about October 30, A letter to advise Ms*** of such and of her right to dispute the debt was mailed to *** *** *** *** ** Bronx, NY 10467-on or about November 2,
As to phone calls, Northland made its first attempt to reach Ms*** at the telephone number provided in her complaint on March 7, We were successful in reaching Ms***; however, she declined to confirm the required verification items in order for our agent to proceed with the callOn March 23, 2016, Northland made its second attempt to communicate with Ms*** by phone to discuss the accountOur phone call was answered by an unidentified female who simply stated she wanted her phone number to be removedOur file was updated accordingly
Shortly thereafter, Ms*** called our office questioning the purpose of our earlier phone callAs required, the agent assisting Ms*** proceeded in attempting to confirm her identity to include her current address, birthdate and last four digits of her social security numberMs*** expressed her discomfort in providing this information by phone (specifically the last four of her social security number)She was again advised that we would be unable to continue with the conversation and or divulge any information related to our call
We can appreciate Ms***’s stance in not providing her personal information by phoneHowever, Northland cannot waiver in its obligation to adhere to the Fair Debt Collection Practices Act and our client’s requirements in protecting a consumer’s personal information associated with the files we service
Upon receipt of your notification of Ms***’s complaint, Northland ceased all collection efforts on the account and returned the file to TD Bank, NAIf Ms*** should require additional information regarding the account, it is recommended she contact TD Bank, NA’s recovery department at ###-###-####, ext***We do hope Ms*** found this information helpful
Sincerely,Christina *** Resolution Coordinator
New York City Department of Consumer Affairs License Numbers and
This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International
This collection agency is licensed by the Minnesota Department of Commerce

Initial Business Response /* (1000, 5, 2015/12/11) */
December 11,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: *** ***, Revdex.com Case No.: ***
Dear Mr***,
Northland Group, Inc
("Northland") has obtained and reviewed the complaint filed through the Revdex.com by Mr*** *** regarding the above referenced accountPlease accept this letter as our response to his complaintThe information contained in this response is personal and confidential
In his complaint, Mr*** states to have received a collection notice from Northland regarding a balance he has no knowledge of owingHe further states to have contacted the creditor *** directly and confirmed with them he has no current balance owing
A review of our file indicates the account in question was placed with Northland by *** Corporation ("***") on or about November 5, Northland did issue a notice to Mr*** to advise him of such and of his right to dispute the debt on or about November 6, To date Northland has had no direct communication from or with Mr*** and therefore we were unaware of his dispute until your notification of his complaint
The information provided to Northland by *** indicates the $balance owing is a result of a fee incurred due to insufficient funds from a REDcard debit transaction totaling $on July 15, The items purchased included "Flonase 120", nail polish, and count of "Zantac"These items were purchased at approximately 4:54pm in a Tucson, Arizona store locationAll fees owed incurred from problems with processing any and all payments are agreed to upon initiation and application of the account
In consideration of Mr***'s dispute, Northland has ceased all efforts to collect on the accountIf additional information is required, Mr*** may contact *** Corporation directly at***, AttAgency Research, Minneapolis, MN We do hope Mr*** found this information helpful
Sincerely,
Christina ***
Resolution Coordinator
This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International
This collection agency is licensed by the Minnesota Department of Commerce
Initial Consumer Rebuttal /* (3000, 7, 2015/12/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My bank and *** do not confirm this eventAlthough the purchase amount is correct, it takes place on an entirely different day 08/03/Additionally, there was never an issue that this amount could not be paidNothing in my bank statements or ***s representatives verify this statement provided by Northland with regards to the issue of failure to pay or there is a balance owed
Again, Northland is running a scam!
Bottom line, somehow Northland is collecting data from various vendors, or *** is leaking information to collections on pretensesEither way, if I had paid Northland like so many others had, I can only imagine how many collections have lined the pockets of these scam artists over the years!
Final Business Response /* (4000, 9, 2015/12/22) */
December 22,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: *** ***, Revdex.com Case No.: ***
Dear Mr***,
Thank you for affording Northland Group, Inc("Northland") the opportunity to receive Mr***'s feedback and respond to his additional concernsThe information contained in this response is personal and confidential
Mr***'s most recent communication refers to issues identical to those addressed in his earlier complaint received by our office on December 2, Northland responded to the complaint with the information provided to our agency by the creditor on December 11, The only additional information we can provide at this time is that the purchase in question which originally took place on July 15, was presented to Mr***'s bank a second time on July 30, This may explain why the transaction is showing to have cleared on his end on or about August 3, The $fee would have incurred due to the funds not having been available upon purchase of the merchandise on July 15,
Unless provided with new information, this matter will not be reinvestigatedWe hope that this response provides Mr*** with an understanding of our position
This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International
This collection agency is licensed by the Minnesota Department of Commerce

Please review the attached response