Northland Group

Initial Business Response /* (1000, 5, 2015/09/16) */
September 16,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: Revdex.com Case No.: ***
Northland Reference No.: ***
Current Account Owner:
***
Original Creditor: *** (USA), N.A
Original Account 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 his complaintThe information contained in this response is personal and confidential
In his complaint, Mr*** states Northland and *** ("***") are trying to collect on a fraudulent debt that was settled years ago and ruin his credit scoreHe requests we cease from any further collection or communication attempt regarding the matter
Northland has reviewed its file pertaining to Mr***'s complaint and appreciates being provided the opportunity to address his concerns*** placed the above account with Northland for collection on or about August 14, A notice was sent to Mr*** advising of such and of his right to dispute the debt on or about August 16, The information provided to Northland by *** indicates the account originated with *** (USA), N.Aas a MasterCard on or about August 3, The last payment received on the account was on or about July 2, and the account was charged off on or about February 9,
Please note prior to your notification of Mr***'s complaint filed with the Revdex.com, Northland was not aware of his dispute of the account*** has also confirmed aside from Northland's notification, they had not received a direct dispute from Mr***Nonetheless, Northland has ceased all collection efforts and returned the file to *** with notification of Mr***'s complaint
In regards to credit reporting, Northland does not report any information to the credit reporting bureaus and has not reported the above account to Mr***'s credit profileFurthermore, we cannot affect a change as to how any other company or entity may have reported the account; however, it is our understanding *** is also not reporting the above account to Mr***'s credit profile
If he should require additional information, it is recommended he contact *** directly toll free at ***
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 Business Response /* (1000, 5, 2016/02/10) */
February 10,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: Ms*** ***, Revdex.com Case No.: ***
Northland Reference No.: ***
Client: *** (USA), N.A
Original Account 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
According to the details provided by Ms*** in her complaint, the above account was to have been considered satisfied with her final payment made to our office in December 2015; however, Northland returned the payment to her on about January 17, breaching its settlement agreement with herMs*** states she has re-mailed the final payment to our officeIt is her request that we accept the final payment as agreed, provide confirmation in writing that the account is satisfied in full, and send notice of the same to all three credit reporting agencies
Northland has reviewed its file as it pertains to Ms***'s complaintWe can confirm a three payment settlement option was extended to Ms*** by our office allowing three payments of $to satisfy the above accountNorthland received the first payment on October 5, and the second payment on November 12, On December 15, 2015, we received Ms***'s final paymentWith her payment she enclosed a notice advising that with the application of the payment, she would like Northland to close the account as "paid in full" and notify all three credit reporting bureaus of the same
Please be advised, Northland does not report any information to the credit reporting bureaus and has not reported the above account to Ms***'s credit profileTherefore, Northland cannot accommodate Ms***'s request nor can we affect a change as to how any other company or entity may report the accountWith that being said, Ms***'s payment was held with the hope that we could reach her to explain our position in regards to credit reportingWhen all efforts to contact her were exhausted, the payment was returned to Ms*** on or about January 17,
Since your notification of Ms***'s complaint, Northland has received the payment in the amount of $back in our officeThe payment did not include any subsequent conditions specific to credit reportingAs such, we have applied the payment to the above account and it is now closed in our office as settledNorthland will issue confirmation of resolution in writing to Ms*** separate to this responseWe appreciate being provided the opportunity to address this matter
Sincerely,
Christina ***
Resolution Coordinator
Colorado Office Address: South *** Street, #900, Denver, CO
Colorado Office Phone: (720) ***
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumerA written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt
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

March 24,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: *** ***, Revdex.com Case No.: ***
Northland Reference No.: ***
Current Account Owner: *** *** ***
Original Creditor:
*** *** ***
Original Account 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
Mr***'s complaint states Northland offered a settlement by mail in the amount of $to resolve the above account which she paid; however, she is still receiving correspondence from our office seeking paymentMs*** would like Northland to honor the settlement offer she paid and close the above account
Northland has reviewed its file pertaining to Ms***'s complaintWe can attest an offer for settlement in the amount of $was mailed to Ms*** on or about February 1, On February 16, 2016, payment was received by our office in the amount of $As we had not had any communication from or with Ms*** confirming her acceptance of a settlement offer, it appears a letter was mailed seeking the remaining balanceWe do apologize for the confusion/concern this has caused Ms***
Prior to your notification of Ms***'s complaint, Northland did receive direct communications from her on March 17, via mail and email mirroring her complaintUpon receipt, the account was closed in our office as settled and returned to the current account owner as suchApart from this notice, a letter confirming the resolution of the account has been mailed to Ms*** which she may retain for her permanent recordsWe appreciate having been provided the opportunity to address this matter and hope Ms*** finds this response satisfactoryOn behalf of *** *** *** and Northland, we thank Ms*** for resolving her account
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 Business Response /* (1000, 5, 2015/04/16) */
April 16,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: Ms*** *** Revdex.com Case No.: ***
Northland Reference No.: ***
Current
Creditor: ***
Previous Creditor: ***
Original Account 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
We regret to hear of the circumstances of which led to the above account being placed in collectionWe can appreciate Ms***'s position and would like to assist her in resolving this matter, however; Northland does not dictate a balance listed on any account placed with its office nor were any "fees" assessed to the account by our office
The above account was placed with Northland by *** on or about January 6, with the balance of $3,A letter was sent to Ms*** advising of such and of her right to dispute the debt on or about January 9, Two additional notices were sent to Ms*** regarding the account on or about February 12, and March 14, All three letters sent to Ms*** did offer settlement options in an attempt to help make repayment of the account more affordable for her; however, the total balance on the account never changed while with our office and remained at $3,
Please note until your notification of Ms***'s complaint, Northland had no knowledge of her dispute of the accountNonetheless, in honor of Ms***'s request, Northland has ceased all collection efforts and returned the file to ***In regards to credit reporting, Northland is not a credit reporting agency and has not reported the above account to Ms***'s credit profileFurthermore, Northland cannot impact a change as to how any other company or entity may have reported the account
If Ms*** should require additional information, it is recommended she contact *** directly at Attn: Compliance Dept*** Valhalla, NY or toll-free at ***
Sincerely,
***
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, 2015/04/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Dear Ms***,
Thank you for your recent response to my complaint
It appears you do not fully understand the issue and/or you are making light of my concernsI had a credit card with ***, and my credit limit was $1,You wrote me several letters stating the "current balance due is $3,022.24", and you made a settlement offer of $2,Please let me know how you arrived at the conclusion that you made an "attempt to help make repayment of the account more affordable for her"
You were privy to all of the pertinent information regarding ***At that point, you could have conducted research to check the validity of the work you acceptedAs a business, you had an ethical duty to conduct research to ensure your client, *** was not misrepresenting any factsAt the end of the day, it is your company's reputation on the lineI had no duty to advise you that I disputed the claims and/or that I was in a dispute with ***
Even after never receiving a response from me, you repeatedly sent additional correspondence to my home--month after month without regard to whether your letter contained any facts
I am excited that you will cease all future communications and I hope that you revise your business practices to conduct research before retaining a clientA claim that you did not have sufficient evidence is neither acceptable nor ethical when you made a conscious decision to represent your client
At this point, I would like for you to contact your client to ensure your client fully understands this issue and the consequences of his actionsPlease advise your client to remove all erroneous data from my credit report immediately and to cease future communication with me
Thank you in advance for your assistance
*** ***
Final Business Response /* (4000, 9, 2015/04/21) */
April 21,
Mr*** ***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: Ms*** *** Revdex.com Case No.: ***
Northland Reference No.: ***
Current Creditor: ***
Previous Creditor: ***
Original Account 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
Thank you for affording Northland Group, Inc("Northland") the opportunity to receive Ms***'s feedback and respond to her concerns
Ms***'s most recent communication regarding the above listed Revdex.com Case number refers to issues identical to those addressed in her initial complaint received by our office on April 13, Northland responded regarding that matter on April 16,
Northland has no additional information to provide regarding this matterTherefore, without receipt of additional information and/or documentation, this matter will not be reinvestigated
We hope that this response provides Ms*** with an understanding of our position
Sincerely,
***
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 /* (1000, 5, 2015/07/20) */
July 16,
Mr***
***
Calumet City, IL
Re: Revdex.com Complaint ID No***
Dear Mr***:
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 outstanding and you request a letter of apology from Northland
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 the same day that the account was referred to our office for collection,*** ("AES") received a payment for the past due amount on your student loan and subsequently, on July 7, 2015, the account was removed from our office and returned to AES for servicingWe want to clarify that you are still a customer of Chase BankChase 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.We do hope this response provides you with an understanding of our position
Sincerely,
Amber ***
In House Counsel

Initial Business Response /* (1000, 5, 2015/07/09) */
July 9,
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
According to his complaint, Mr*** states to be receiving several phone calls a day from Northland and we will not leave a message in regards to our businessHe requests his telephone number of* be removed from our system
Based on the review of our file, Mr*** was not the party we intended to reach by phoneAlthough our records indicate we did attempt to reach the intended party at his telephone number, we made only nine total attempts from June 9, through June 30, and made no more than one attempt dailyFurthermore, Northland has no record of having had any contact at the telephone numberTherefore, we were unaware we were dialing the telephone number in errorWe do apologize for any inconvenience this may have caused
Upon receipt of your notification of Mr***'s complaint his telephone number was removed from our systemWe do appreciate him bringing this matter to our attention
Sincerely,
Christina ***
Resolution Coordinator
Initial Consumer Rebuttal /* (2000, 7, 2015/07/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/08/20) */
August 20,
Mr***
Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: Mr***, 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 two notices from Northland with varying balances regarding his Target accountHe states to have not shopped at Target in over years and his bank has no record of any returned checks from Target
A review of our system indicates three balances owed to Target were placed with our office for collectionThis might explain why Mr*** received notices from Northland with varying balances as they did pertain to separate accountsThe first account ending in was placed with Northland by Target on or about June 29, A notice was issued to Mr*** advising of such on or about June 30, The information provided to Northland by Target indicates the balance stems from a returned check dated March 2, 2015, check # in the amount of $
The second account ending in was placed with Northland by Target on or about July 9, A notice was issued to Mr*** advising him of such on or about July 10, The information provided to Northland by Target indicates the balance stems from a returned check dated March 7, 2015, check # in the amount of $
The third account ending in *** was placed with Northland by Target on or about July 16, A notice was issued to Mr*** advising of such on or about July 17, The information provided to Northland by Target indicates the balance stems from a returned check dated March 7, 2015, check # in the amount of $
Our records indicate we have had no direct communication from or with Mr***Nonetheless, upon receipt of your notification of his complaint filed with the Revdex.com, Northland has ceased all collection efforts and have notified Target of his disputeFor additional information, Mr*** may contact Target's internal Fraud team at*** ext ***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 /* (2000, 7, 2015/08/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept this response only if there are no further collection attempts from this company representing target stores and that they do not accept any other target accounts pertaining to meAs stated in the complaint, I havent shopped at target in over years and never plan toI have contacted the fraud dept to no avail with targetAlso, the above referenced check numbers do not represent any check numbers on my accountI would suggest that your company investigate further before accepting any target accountsThis whole ordeal seems to be nothing more than to scam people

Initial Business Response /* (1000, 5, 2015/05/26) */
May 26,
Mr*** ***
Mediation Coordinator
Revdex.com
*** *** *** *** ***
*** ** XXXXX
Re: Mr*** ***, Revdex.com Case No.: XXXXXXXX
Northland Reference No.: XXXXXXXX
Client:
*** Bank (USA), N.A
Original Account No.: ***
Balance: $1,
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*** alleges Northland has violated the Fair Debt Collection Practices Act ("FDCPA") by disclosing his personal information to third partiesSpecifically, Mr*** states two of his family members and three of his friends received telephone calls from our agency wherein we revealed Mr*** was in collections with our office
Northland has reviewed its file as it pertains to Mr***'s complaint and found no merit to his claim*** (USA), N.A ("***") placed the above account with Northland for collection on or about May 1, A letter was sent to Mr*** advising of such and of his right to dispute the debt on or about May 2,
In regards to phone calls on the file, on May 5, Northland attempted to reach Mr*** at telephone number XXX-XXX-XXXX and an unidentified female answeredWhen Northland's agent requested to speak with Mr***, the female advised the agent to remove her telephone numberNorthland complied with her request and made no further effort to reach Mr*** at the telephone numberNorthland did not disclose the purpose of our call with the female
Thereafter, Northland made three attempts between May 12, and May 18, to reach Mr*** at telephone number XXX-XXX-XXXXAll three attempts resulted in no answerOur last attempt to reach Mr*** by phone was on May 18, at telephone number XXX-XXX-XXXXA male answered our phone call and identified himself to be Mr*** ***He advised it was not a good number to reach him at but, when the Northland agent again asked if she was speaking with Mr*** ***, the male confirmed he wasTherefore, the agent proceeded to advise the purpose of our callAfter doing so, the male asked for our company name and state from which we were calling and simply hung up on the agentFollowing that phone call, the telephone number was updated in our system to prevent future phone calls being the identified "consumer" stated it was not a good number to reach him at
As Mr*** has not indicated where he would like to be contacted by phone, Northland has removed all telephone numbers from its file to prevent future phone callsWe would like to work with Mr*** in the effort to resolve the above accountAt his convenience he may reach us toll free at X-XXX-XXX-XXXX, via mail at *** *** *** *** *** *** ** XXXXX, or via email at ***@northlandgroup.comWe also offer payment options online at www.payments2northland.comWe do hope Mr*** found this information helpful and we appreciate having been given the opportunity to address his concerns
Sincerely,
*** ***
Resolution Coordinator
New York City Department of Consumer Affairs License No.XXXXXXX
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

May 19,
Mr*** *** Mediation Coordinator
Revdex.com
South River Ridge Circle
Burnsville, MN
Re: *** ***, Revdex.com Case ID.:*** Northland Reference No.: *** Creditor: US BANK NATIONAL ASSOCIATION
Original Account No.: *** Dear Mr***,
Thank you for affording Northland Group, Inc(“Northland”) the opportunity to receive Mr***’s feedback and respond to his concernsThe information contained in this response is personal and confidential
We have reviewed the information Mr*** provided, as well as, the previous research we completed regarding this issueAlthough Mr*** believes Northland should be fully capable of executing his request based on our relationship with the creditor in connection with the collection of the debt, our previous response still standsNorthland does not report any information to the credit reporting bureaus nor can we affect a ***e as to how any other company or entity may have reported the accountNorthland found no evidence of Mr*** being misled to believe otherwise in our communications with him
In regard to Mr***’s allegation that Northland fabricated a letter to appear it had been issued by US Bank, his claim is unfoundedNorthland has been in contact with US Bank regarding this matterIt is our understanding Mr*** contacted US Bank directly by phone on October 23, in need of written confirmation that the account was reflecting as settled in their systemThey can attest the letter in question was in fact generated by their office in response to his requestUS Bank can be reached directly toll free at 1-855-332-
Again, we understand this may not be the resolution Mr*** anticipated and apologize we are unable to assist him further in regard to this matter
Sincerely,
*** *** 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 /* (1000, 5, 2015/12/16) */
December 16, 2015

Mr. [redacted]
Mediation Coordinator
Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted], Revdex.com Case No.: [redacted]
Northland Reference No.: [redacted]
...

Creditor: [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 Ms. [redacted] regarding the above referenced account. Please accept this letter as our response to her complaint. The information contained in this response is personal and confidential.

According to Ms. [redacted]'s complaint Northland attained her checking account information and debited a total of $1,500.00 from her checking account without her knowledge and or permission. She is requesting these funds be returned to her and that we cease collections.
Northland has reviewed its file pertaining to Ms. [redacted]'s complaint and appreciates the opportunity to address these concerns. Our records indicate the above account was placed with Northland by [redacted] on or about October 12, 2015. A letter was sent to Ms. [redacted] to advise her of such and of her right to dispute the debt on or about October 13, 2015. On October 20, 2015, Northland reached Ms. [redacted] by phone. During the phone call Ms. [redacted] agreed to make $500.00 monthly payments towards the balance of $17,825.91. Ms. [redacted] provided her routing and checking account number for payments to be automatically deducted from her checking account on the fifth of each month for a period of twenty four (24) months. The first payment was postdated for November 5, 2015. Ms. [redacted] was also informed at that time that in the event she would need to cancel and or make any changes to the payments on file, we would need at a minimum one business day in order to process her request.
On November 5, 2015, the first payment of $500.00 posted to the account as agreed. On November 27, 2015, Northland sent a notice to Ms. [redacted] to remind her of the second payment postdated for December 5, 2015. We did not receive a response from Ms. [redacted] to this notice. As such, the payment posted to the account as agreed.
Thereafter on December 11, 2015, Northland received a phone call from Ms. [redacted]'s daughter [redacted] informed our agent that Ms. [redacted] was unable to afford the arrangement and that the remaining payments on file would need to be canceled. She did also make the request that we refund the December payment in the amount of $500.00. With Ms. [redacted]'s authorization, the $500.00 monthly payments were terminated. Ms. [redacted] also informed our agent that she would still make payment to the account but, would send those payments by mail. She indicated $100.00 per month may be more manageable for her and she would consider increasing her payment amount over time. To assist in her refund request, the call was transferred to our Quality Assurance Department. At that time Ms. [redacted] was advised that in order for Northland to issue a refund, a bank statement showing the payment in question clearing her account was required. Please note to date, we have not received this documentation.
Ultimately the payments posted to the above account totaling $1,000.00 were authorized by Ms. [redacted]. Nonetheless, we are still willing to return those funds to her to resolve the matter. A bank statement showing both payments clearing her account would need to be sent to Northland directly via mail at PO Box 390905, Minneapolis, MN 55439, via fax to [redacted], or via email to [email protected].
This notice shall also serve as confirmation that the above account is now closed in our office and Northland will make no further attempts to communicate with Ms. [redacted] regarding the matter. If it is her desire to continue to make payment to the account, we do recommend Ms. [redacted] contact the creditor directly at Citicorp Credit Services, Attn: Agency Customer Service, [redacted], Kansas City, MO 64195.
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 /* (2000, 7, 2015/12/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
If Northland Group, lives up to the promise in their response we will be satisfied and we thank the Revdex.com for their help.

Initial Business Response /* (1000, 5, 2015/11/20) */
November 20, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
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] regarding the above referenced account. Please accept this letter as our response to her complaint. The information contained in this response is personal and confidential.
According to her complaint, Ms. [redacted] was contacted by mail by our office regarding an account that does not belong to her. She states to have contacted our office to advise of such but, we would not assist her unless items such as her birthdate and social security number were verified.
We appreciate the opportunity to address this matter. Our review does reveal one letter was sent to Ms. [redacted]'s address regarding a file in our office on or about November 5, 2015. On November 13, 2015 we received a phone call from Ms. [redacted] wherein she stated she had received the letter from our office but, had no knowledge of its content. Please be advised, Northland is obligated to protect the personal information of its consumers. Therefore, before proceeding with the phone call, Northland's agent did request Ms. [redacted] verify her birthdate and last four digits of her social security number. Ms. [redacted] declined to do so. At that time, Northland's agent did advise she would be unable to continue with the phone call.
As a resolution to this matter, Northland will make no further attempt to communicate with Ms. [redacted] regarding our file. We do hope this response provides her with an understanding of our position.
Sincerely,
Christina [redacted]
Resolution Coordinator

Initial Business Response /* (1000, 5, 2015/06/16) */
June 16, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
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 complaint. The 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 account. Our records indicate letters were mailed to Ms. [redacted]'s address in the attempt to reach our intended party on or about October 10, 2014 and November 13, 2014. 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, 2014 advising of such. Upon 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 /* (3000, 7, 2015/06/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
RESPONSE FROM CONSUMER: 06/20/2015
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 $14,590.12. 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 knowledge. THIS 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 ETC. OF 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 RECORDS. I 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 AGENCIES. I 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 THEM. SO 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 it. Send the written confirmations as stated so I can move on. If 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 /* (4000, 9, 2015/06/26) */
June 26, 2015
Mr. [redacted]
Mediation Coordinator
Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
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 concerns. The 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, 2014 and November 13, 2014 had been sent to the wrong address until a direct correspondence from Ms. [redacted] was received by our office on December 26, 2014 advising of such. Upon 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 returns. The 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 party. The information contained in our notices mailed to Ms. [redacted] on or about October 10, 2014 and November 13, 2014 were not addressed nor intended for her which, Ms. [redacted] has acknowledged. We do hope this response provides Ms. [redacted] with an understanding of our position.
Sincerely,
Christina [redacted]
Resolution Coordinator

Northland Group is continuing to review this complaint. We anticipate having a final resolution within the next five business days.

Initial Business Response /* (1000, 5, 2015/04/24) */
April 24, 2015
Mr. [redacted]
[redacted]
Black River Falls, WI 54615
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 complaint. The 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 complaint. Your 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 valid. Your 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, 2014. ARM's headquarters was located in Thorofare, NJ. When Northland acquired ARM, it also acquired ARM's New Jersey and Kentucky locations. Your 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 website. The address listed on Northland's website is Northland headquarters. Additionally, the payment website that was provided in your letter is the same website that was operated by ARM and is now operated by Northland. We 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 creditor. We 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 position. We appreciate the opportunity to address this matter.
Sincerely,
[redacted]
In House Counsel
Northland Group
[redacted]
Thorofare NJ, 08086
[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.

March 11, 2016
Mr. [redacted]
Mediation Coordinator
Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
Re: [redacted], Revdex.com Case No.: [redacted]
Northland Reference No.: [redacted]
Client: [redacted]
Current Creditor: [redacted]...

[redacted]
Original Creditor: [redacted]
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 account. Please accept this letter as our response to her complaint. The information contained in this response is personal and confidential.
In her complaint, Ms. [redacted] states to have paid the above account as agreed to Northland with our advisement that it would be removed from her credit profile. She is requesting that Northland remove the trade line associated with the account.
Northland has completed its investigation pertaining to Ms. [redacted]' claim. We can confirm the above account was settled in our office on January 19, 2016 with a payment in the amount of $1,976.70. A letter confirming such was issued to Ms. [redacted] by mail on or about January 26, 2016 and at her request via fax on or about January 29, 2016.
During the negotiation and acceptance of payment, Northland made no mention of the impact it would have on Ms. [redacted]' credit profile. Furthermore, our investigation revealed neither Ms. [redacted] nor her spouse inquired as to what action would take place regarding her credit profile once payment was made.
Northland does not report any information to the credit reporting bureaus and has not reported the above account to Ms. [redacted]' credit profile; therefore, Northland cannot affect a change as to how any other company or entity may have reported the account. We have notified our client of Ms. [redacted]' concern and they have confirmed a request has been submitted to update her credit profile to reflect the account was paid. Should Ms. [redacted] have any further questions regarding the account, she may contact the current creditor by calling toll-free [redacted].
Sincerely,
Valerie [redacted]
Resolution Manager
This communication is sent to you by Northland Group, Inc., a debt collector and member of ACA International.

Initial Business Response /* (1000, 9, 2015/07/15) */
July 13, 2015
Ms. [redacted]
[redacted]
Brooklyn, NY 11215-6020
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 complaint. The 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 complaint. Your Revdex.com complaint states that you received a collection notice from Northland for a debt that you state is not outstanding. Your 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, 2015. An initial notice was mailed to the address on file on or about May 28, 2015. 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 servicing. We want to clarify that you are still a customer of [redacted] Bank. [redacted] transferred the servicing of your private student loan(s) to AES. AES is an entity that specializes in the servicing of student loans. Northland 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 ceased. Please be advised that Northland does not report to the credit bureaus. We appreciate the opportunity to address this matter.
Sincerely,
Amber [redacted]
In House Counsel
Northland Group
[redacted]
Thorofare NJ, 08086
[redacted]
Initial Consumer Rebuttal /* (2000, 11, 2015/07/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)

I am rejecting this response because:
The letter from Northland specifically states the following: "Upon successful completion of your settlement agreement, we will no longer attempt to collect on this debt.  In addition, the account WILL BE REPORTED TO THE CREDIT BUREAUS AS SETTLED IN FULL".  This letter is attached and is addressed to me from Northland.  They are the main collector for US Bank Corp and they had the power with US Bank to do this.  I agreed to the settlement agreement specifically for this reason for mortgage application needs.  The resulting credit score resulting from them not delivering on their written agreement has resulted in monetary loss for me.  Therefore they are liable for the full amount that I paid US Bank on their behalf (Northland being their representative in debt settlement).  Both of these companies are liable for the one transaction of debt settlement.  Note that one letter from Northland attached says that the credit reporting will be reported as settled in full.  Then in another letter from Northland Group (NG 2nd Consumer), they took one of my US Bank bills and photoshoped it to the top of a letter and then rewrote underneath that the cancelled balance would be reported as charged off.  You can clearly see the line where the front of the US Bank bill was put on top of a fake letter thereby misrepresenting US Bank by making a fake letterhead.  This is a matter that can be clearly litigated.  And if this matter isn't settled with me to my satisfaction within the next 30 days, the lawsuit will ensue for damages beyond the scope of what I paid in the settlement due to the fact this may be criminal/fraudulent and may need to see the light in consumer reports beyond Revdex.com and news agencies.  The scope may be at the federal level since we have transacted across state lines.  And note that I did obtain my home purchase loan so the difference in credit scores due to this incident will be on the table for measurable monetary damages.

August 29, 2016
Ms. [redacted]
Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
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 account. Please accept this letter as our response to his complaint. The 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 ago. Mr. [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, 2016 with a balance of $2,500.18. The information provided to Northland by the creditor indicates the account was opened on or about November 21, 2013. The account was charged off on or about December 1, 2015 and the last payment received was on or about August 7, 2015.
 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, 2016. A second notice regarding the account was mailed on or about August 10, 2016. Your notification of Mr. [redacted]’ complaint is the first communication Northland has received regarding his dispute of the account. Nonetheless, 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 paid. To review the matter further, documentation to exhibit the payment in question would be required. Mr. [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 correspondence. If 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 profile. Furthermore, 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.

Please see attached document which has been sent directly to Mr. [redacted] per his request via the US Postal service.

February 10, 2017
 Ms. [redacted] Revdex.com
220 South River Ridge Circle
Burnsville, MN 55337
Re: [redacted], Revdex.com Case No.: [redacted]
Northland Reference No.: [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 Ms. [redacted] regarding the above referenced account. Please accept this letter as our response to her complaint. The information contained in this response is personal and confidential. In Ms. [redacted]’ complaint, she states to have been contacted by our office regarding a debt she has no knowledge of owing. Furthermore, Ms. [redacted] states to have recently purchased a home and during that process, this account was not listed on her credit profile. Considering such, Ms. [redacted] is requesting Northland make any applicable corrections to her credit report and delete her information from our system.
A review of our file shows, the current creditor placed the account with Northland for collection on or about October 17, 2016. A letter was mailed to Ms. [redacted] to advise her of the account being placed with our office on or about October 20, 2016. The notice also advised her of her right to dispute the debt.
The information provided to Northland by the current creditor indicates the account was opened on or about August 27, 2008. The last payment was received on or about January 6, 2010 and the account charged off on or about January 31, 2010. Please note this information was relayed to Ms. [redacted] by phone when she contacted our office to dispute the debt on January 31, 2017. Your notification of her complaint was received shortly after.
Respectively, Northland ceased its collection efforts and we are attempting to obtain validation of the debt from the current creditor. The information we receive will be forwarded directly to Ms. [redacted] upon our receipt. Her patience during this process is appreciated.
In regard to credit reporting, Northland does not report any information to the credit reporting bureaus and has not reported the above account to Ms. [redacted]’ credit profile. Furthermore, 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.