Northstar Location Services, LLC

Attached please find our response to [redacted] Complaint ID [redacted] We have received and reviewed your correspondence us, dated June 27, 2015.Our records indicate that we received from our client a packet of accounts for the purpose of collection on April 12, Our records further indicate that on April 14, 2015, Mr [redacted] spoke to a representative regarding his accounts placed in our officeAt that time, Mr [redacted] stated that he would not be making any payment, as the accounts would be coming off of his credit reports this upcoming OctoberAt no time during the call did Mr [redacted] request no further contact by our company regarding this accountOur records confirm that no further telephone calls were made to Mr***However, two additional collection letters were sent via regular mail following this communication with Mr***.Thereafter, on Saturday, June 27, our office received an email communication from Mr [redacted] requesting that all contact regarding the aforementioned accounts ceasePursuant to this communication from Mr***, we began processing the return of the account to his creditorOn June 30, 2015, our file was closed accordinglyShould Mr [redacted] have any questions regarding his account, he may contact [redacted] (formerly [redacted] ***) directly at ###-###-####.Our records do not indicate receipt of correspondence from Mr [redacted] prior to June 27, 2015, as he states that additional correspondence was sent to us via fax and regular mailIn addition, our company policy requires that we honor any requests for cease communication, verbal or written.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda ML [redacted] Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated, December 28, Our records indicate that on November 1, 2017, we received from our client, an account for the purpose of collectionsOur records further indicate that we were calling telephone numbers where we believed we could reach Ms***We were able to speak with Ms [redacted] on November 8th and 16thEach time, payment options were discussedOn November 16, 2017, Ms [redacted] indicated that she would attempt to obtain a loan and call our office backAs our office did not receive a callback from Ms [redacted] as she had stated on November 16, 2017, we attempted to reach her at telephone numbers where we believed she could be reachedHowever, our attempts were unsuccessfulPursuant to Ms***'s correspondence to your office, we have removed the pertinent telephone information from the above accountNo further calls have been or will be placed by our office to the telephone number in questionOur records do not reflect any request for no calls prior to our receipt of the above correspondenceWe apologize for any inconvenienceIn addition, as of January 2, 2018, the account was returned to Ms***'s creditorAccordingly, our file has been closedShould Ms [redacted] have any further questions regarding her account, she may contact her creditor directlyShould you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda ML [redacted] Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated September 23, In addition, we haveacknowledged receipt of and shared this correspondence with Ms [redacted] 's creditor.Our records indicate that we received an account from our client for the purpose of collections on January 4,Letters were sent to Ms [redacted] while the account was being worked with our office which reflected thecreditor as Barclay's Bank DelawareThe account was coded as settled in full on May 10, 2016, when the finalpart of the settlement plan was processed on the accountA letter dated June 3, 2016, was forwarded to Ms[redacted] via regular mail stating the account was settled in full.When Ms [redacted] called our office on September 20, 2016, the call was routed to a different departmentTheagent was unable to view the specific account details and answered Ms [redacted] 's questions based on the clientfor this specific departmentWe apologize to Ms [redacted] for any confusion this may have caused.Pursuant to Ms [redacted] 's request to have the credit report updated, we have communicated with our client,Barclay's Bank DelawareThey have advised us that a request has been submitted to ensure all credit reportsare updated to reflect the account as settled after charge offThey have advised that it may take days forthe update to occur and that a letter will be sent to Ms [redacted] confirming this informationShould Ms [redacted] have any further questions regarding this information, she may contact her creditor directly at toll free [redacted] In addition, Northstar does not report to credit bureaus, as we are not a credit reporting agency.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda M [redacted] Chief Compliance Officer

We have received and reviewed your correspondence to us dated, January 19, Our records indicate that we received from our client, two accounts in the name of [redacted] T [redacted] and [redacted] ***,respectively, for the purpose of collectionsThe account ending in was placed in our office on December 1, The account ending in was placed in our office on January 2, Our records further indicate that, on January 2, 2018, Mr [redacted] contacted our office to report that he was unaware of these accounts and that he suspected the possibility of fraudulent activityPursuant to Mr***' belief as indicated above, we have requested verification information from his creditorAlthough we realize that this information is of the utmost importance, we must inform Mr [redacted] that this requestcan take up to or exceed daysUpon receipt, these documents will be forwarded directly to himIn the interim, we have suspended all activity on these accounts Northstar Location Services, LLC is not responsible for updating information provided to credit bureaus as we are not a credit reporting agencyMr [redacted] may contact his creditor or credit reporting agencies directly with any questions in this regard.Mr [redacted] may also contact his creditor's Fraud Claims Department directly at 1-888-232-to discuss his accounts Should you have any questions regarding this information, please do not hesitate to contact me Sincerely, Linda ML [redacted] Chief Compliance Officer Northstar Location Service

We have received and reviewed your correspondence us, dated May 5, In addition, we have acknowledged receipt of and shared this correspondence with Ms [redacted] 's creditorWe believe Ms [redacted] 's concerns outlined in the above correspondence have been resolvedOur records indicate that we spoke with Ms [redacted] on May , 2016, when she called our office to discuss her final paymentAt this time, the call was routed to myselfWe discussed the payment date and amountMs [redacted] stated that she understood the terms of the agreement after reviewing everythingThe call was then transferred to our Remittal Processing department to accept and process the final payment of the planThe account is now coded as settlement in fullWe are in the process of forwarding a letter to Ms [redacted] stating the account has been settled in fullShould Ms [redacted] have any further questions with reference to this matter, she may feel free to contact me directly Should you have any questions regarding this information, please do not hesitate to contact me Sincerely, Chief Compliance Officer Northstar Location Services, LLC

Attached please find our response to [redacted] # [redacted] February 9, 2017***, Complaint HandlerRevdex.comBryant Woods SouthAmherst, NY 14228RE: Mr [redacted] - [redacted] Dear ***:We have received and reviewed your correspondence to us dated, January 26, Our records indicate that on January 6, 2017, we received a commercial account from our client, for the purpose of collection in the name of Gas PerformanceThe guarantor on the account is listed as [redacted] Our records indicate that we had been working with Mr [redacted] with reference to the outstanding balance on the accountOur records further indicate that, on January 19, 2017, Mr [redacted] called our office and provided us with the same information as he described in the correspondence to youOn the same day, I personally spoke with Mr [redacted] and documented our system of record with any information he provided accordingly.Pursuant to the information Mr [redacted] provided, we immediately conducted an internal investigation and found no merit to Mr [redacted] 's claimThe account has been coded as settled in full with the payment received and processed on January 19, Should Mr [redacted] have any further questions or requires further assistance, he may feel free to contact me directly at toll free, 1-877-630-6700, extension ***.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda *L [redacted] Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated, March 15, Our records indicate that we received from our client an account for the purpose of collections on February 26, Our records further indicate the initial notice dated, March 6, was sent to a *** [redacted] address and all subsequent correspondences were mailed directly to the address Mr [redacted] listed on your correspondence While this account was charged off as delinquent by Mr***'s creditor on December 10, 2009, the balance continues to remain due Pursuant to Mr***'s dispute correspondence, at his creditor's request, this account was recalled from our office on March , Accordingly, our file has been closedMr [redacted] may contact Ally Financial directly at toll free at 1-800-241-to discuss any questions he may have regarding this accountShould you have any questions regarding this information, please do not hesitate to contact me Sincerely, Linda M [redacted] Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated, May 2, Please note, our records do not indicate receipt of Ms [redacted] 's original complaint dated, August 15, Our records indicate that on May 7, 2015, we received from our client an account for the purpose of collections On July , 2015, Ms [redacted] advised our agent that she was disputing the balance on her accountPursuant toMs [redacted] 's dispute, this account was returned to her creditor for further handling on August 4, Our file had been closed accordingly Our records further indicate that on January 5, 2016, our client again placed in our office Ms [redacted] 's account for the purpose of collectionsOn July 5, 2016, this account was returned to the creditor at their requestOur file was closed accordingly In addition, our files indicate that we ceased all contact with Ms [redacted] on July , -Should Ms [redacted] have any questions regarding her account, she may contact her creditor, Discover, directly at 1-800-347-2683.Should you have any questions regarding this information, please do not hesitate to contact meSincerely, Linda MLeising Chief Compliance Officer Northstar Location Services, LLCGenesee Street, Cheektowaga, NY 14225-

We have received and reviewed your correspondence to us dated, July 31, Our records indicate that on April 4, 2017, we received from our client an account in the name of [redacted] for the purpose of collectionsPursuant to Ms [redacted] 's correspondence dated, July 17, 2017, we had requested and obtained from Ms [redacted] 's creditor, information regarding the account on file in our officeThis information was mailed directly to Ms [redacted] 's attention on July 19, On July 21, 2017, at her creditor's request, Ms [redacted] 's account was returned to her creditorOur file has been closed accordinglyShould Ms [redacted] have any questions regarding his account, she may contact [redacted] Financial directly at ###-###-####In addition, the [redacted] Department of Financial & Professional Regulation (IDFPR) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprisesMs [redacted] may find additional information regarding our collection agency licensing and registration credentials by visiting the following website at http://www.***.comOur company maintains all necessary licensing and registrations as required by the State of [redacted] for debt collectionsShould you have any questions regarding this information, please do not hesitate to contact meSincerely, Linda LChief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated December 5, In addition, we have acknowledged receipt of this correspondence with Ms***’s creditor Our records indicate that we received from our client an account for the purpose of collection on December 2, Our records further indicate we had been attempting to reach Ms [redacted] at telephone numbers where we believed she could be reached We have reviewed the communications between Ms [redacted] and our office and confirmed that our representative did not make statements as indicated in her correspondenceIn addition, our records do not reflect any request from Ms [redacted] for no calls prior to our receipt of the above correspondence Pursuant to the above correspondence, we have removed all pertinent telephone information from the account No further calls have been or will be made to the telephone numbers in question Pursuant to the possibility of fraud as indicated by Ms***, we are in the process of returning the account to her creditor Our file will be closed accordinglyShould Ms [redacted] have any questions regarding her account, she may feel free to contact [redacted] directly at ###-###-#### Should you have any questions regarding this information, please do not hesitate to contact me Sincerely, Linda MLeising Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated, February 13, Our records indicate that on October 30, 2016, we received from our client, a private student loan account in the name of [redacted] , borrower for the purpose of collectionsOn November 7, 2016, a notice of placement and a validation disclosure was mailed to Ms [redacted] According to information provided by her creditor, this loan was opened on September 18, While this account was charged off as delinquent by Ms [redacted] ' creditor on October 31, 2009, the balance continues to remain dueOn December 10, and December 12, 2016, Ms [redacted] contacted our representative to discuss settlement options for this accountOn December 29, 2016, Ms [redacted] conveyed to our representative that additional student loans were information regarding her outstanding private and federal loansIn addition, Ms [redacted] requested a settlement offer letter which was promptly emailed to her attentionAt no time during any of these conversations did Ms [redacted] inform the representatives that she disputed the validity of this private student loan debt.Pursuant to Ms [redacted] 's verbal request of February 13, 2017, we had requested and obtained information from Ms [redacted] ' creditorThis information was mailed directly to Ms [redacted] ' attention on February 14, In addition, pursuantto Ms [redacted] 's dispute correspondence received in our office on February 14, 2017, we have requested additional information from her creditorAlthough we realize that this information is of the utmost importance, we must inform Ms[redacted] that this request can take up to or exceed daysUpon receipt, these documents will be forwarded to Ms [redacted] for her reviewShould Ms [redacted] have any additional questions regarding her account, she may contact Navientdirectly at 1-888-272-We would be happy to work with Ms [redacted] toward resolution of her balanceMs [redacted] may contact a Northstar representative directly toll free at 1-855-454-should she have any questions regarding payment options or require further assistanceMs [redacted] may also visit our website at https://www.gotonls.com to make a paymentShould you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda [redacted] Chief Compliance Officer Northstar Location Services, LLC

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 Regards, [redacted] ***

We have received and reviewed your correspondence to us dated, December 7, 2016.Our records indicate that on November 3, 2016, we received from our client an account for the purpose ofcollectionsOur records indicate that on November 7, 2016, our representative spoke with a man who confirmedthat his name was [redacted] ***At this time, Mr [redacted] declined to verify his personal information with ourrepresentative, and as such, we were prohibited from providing any account informationThereafter, on November 19, 2016, Mr [redacted] again contacted our office and advised that the address to whichour initial notice was mailed was incorrectAt this time, Mr [redacted] provided his current address and alsorequested our office to validate this accountPursuant to Mr***'s request, we obtained from his creditor,information regarding the account on file in our officeThis information was mailed to Mr***' attention onDecember 9, In addition, a copy of the initial notice dated, November 4, has been emailed to Mr.***We have suspended all collection activity on this account so that Mr [redacted] may review this information.We would be happy to work with Mr [redacted] toward resolution of his balanceMr [redacted] may contact arepresentative directly at toll free at ###-###-####, should he have any questions regarding payment options orrequire further assistanceMr [redacted] may also visit our website at [redacted] to make a payment.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda ML [redacted] Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated, August 4, Our records indicate that on June 26, 2016, we received from our client a packet of accounts in the name of [redacted] A [redacted] , borrower for the purpose of collectionsWhile the loans were entered into on various dates between and 2007, all accounts in this packet were changed off by her creditor on August , The interest rate on the principle balance for each account is determined by the terms of the loan Ms [redacted] entered into with her creditorNorthstar Location Services, LLC is not responsible for updating information provided to credit bureaus as we are not a credit reporting agencyYou may contact your creditor or credit reporting agencies directly with any questions in this regardOn July 19, 2016, Ms [redacted] agreed to make six consecutive monthly payments on the above mentioned accounts to be qualified for consideration for a Reduced Interest Repayment ProgramOn June 12, 2017, Ms [redacted] 's loans were accepted into the Program with a new accrual rate of .01%, adjusted down from 9.75%For specific transaction details, Ms [redacted] may view her accounts online at Navient.com or contact her creditor directly at 888-272-5543, Monday-Thursday a.mto 9p.mand Friday 8a.mto p.m., ETWe are happy to be working with Ms [redacted] toward resolution of her balanceMs [redacted] may also contact a Northstar representative directly toll free at 855-454-1082, should she have any questions regarding payment options or require further assistance Should you have any questions regarding this information, please do not hesitate to contact me Sincerely, Linda M [redacted] Chief Compliance Officer Northstar Location Services, LLC

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below The FTC Fraud Affidavit has been sent to both parties before, they keep dragging their feet and trying to not resolve this issue I ask this be resolved immediately, as they again allowed my information to be used FraudulentlyRegards, [redacted]

We have received and reviewed your correspondence us, dated May 16, In addition, we have acknowledged receiptof and shared this correspondence with Ms [redacted] 's creditor.Our records indicate that on March 27, we received from our client an account in the name of [redacted] M [redacted] ,borrower, for the purpose of collectionsAccording to information provided by Ms [redacted] 's creditor, the last paymentreceived on the account before charge-off was on October 22, in the amount of $This account was charged offon November 29, In addition, Ms [redacted] 's creditor informed us of a payment on May 12, 2016, in the amount of$which she made directly to them.Pursuant to your correspondence, we have requested additional information from Ms [redacted] 's creditorAlthough werealize that this information is of the utmost importance, we must inform you that this request can take up to or exceed 30daysUpon receipt, these documents will be forwarded directly to Ms [redacted] for her reviewAfter Ms [redacted] hasreviewed this information, we ask that she contact our office to discuss this account.Our company policy requires that on all oral communications with consumers, we are required to verify certain points ofpersonal information to ensure that we are speaking with the correct personWe apologize for any inconvenience.Northstar Location Services, LLC is not responsible for updating information provided to credit bureaus as we are not acredit reporting agencyYou may contact your creditor or credit reporting agencies directly with any questions in this regard.Should Ms [redacted] have any questions regarding her account, she may feel free to contact Navient Solutions Inc directlyat toll free at 1-888-272-to discuss her account.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Chief Compliance OfficerSat

We have received and reviewed your correspondence to us dated, December 9, 2016.Our records indicate that, on October 22, 2016, we received a commercial account for the purpose ofcollections in the name of a company, Prime Management Group, with the personal guarantornamed as [redacted] A***.Our records further indicate that we spoke to Mr [redacted] on when he indicated that he was informedthat he could cancel the account within days' timePursuant to the information provided duringthis call and pursuant to the above correspondence received, we have obtained and sent a copy ofverification materials to Mr***A copy has been attached for your convenient reference.Following Mr***'s review of this information, we ask that he contact our office directly at 1-877-630-and request to speak with MrRyan [redacted] , Director for this portfolioIn the interim,all account activity will remain suspended.In addition, as this is a commercial debt collection account, the calling requirements do not coincidewith federal collection requirements.Our company policy requires our representatives to be courteous and professional at all timesWestrive to ensure that every customer receives a positive experience when speaking with anyone fromour officeWe apologize for any inconvenience this has caused.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda M [redacted] Chief Compliance Officer Northstar Location Services, LLC

Attached please find our response for [redacted] Complaint ID # [redacted] We have received and reviewed your correspondence us, dated June 18, 2015.Our records indicate that we received from our client an account for the purpose of collection on October 5, Our records further indicate that we had been attempting to reach Mr [redacted] at telephone numbers we believed to belong to himPursuant to the above correspondence, we have removed all pertinent telephone information from the above mentioned accountNo further calls will be placed to Mr***We apologize for any inconvenience.In addition, we have requested and obtained from Mr [redacted] creditor, information regarding the account on file in our officeThis documentation was forwarded directly to Mr [redacted] attention via regular mail on June 16, We would like to work with Mr [redacted] in reference to the above mentioned accountWe invite Mr [redacted] to contact a representative directly at ###-###-#### to assist him with any concerns or discuss payment options available.If we do not hear from Mr [redacted] within days of this notice, we will return the account to his creditor and our file will be closedMr [redacted] would then be asked to direct any questions to his creditorShould you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda ML [redacted] Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated, July 25, Our records indicate that on January 22, 2017, we received two student loan accounts from our client for the purpose of collections, listed in the names of primary account holder, [redacted] and coborrower, [redacted] [redacted] Our records further indicate that we spoke with Mr [redacted] and Ms [redacted] and discussed several repayment optionsThey opted to set up payment arrangements for a total of $per monthOur office received and processed three payments each in the amount of $which were applied to the accounts respectively in the months of April, May and June In addition, Northstar Location Services, llC is not responsible for updating information with credit bureaus, as we are not a credit reporting agencyMrand Ms [redacted] may contact the creditor or credit reporting agencies directly with any questions in this regardThe account remains open with our officeWe would be happy to work with Mrand Ms [redacted] toward resolution of the account balancesThey may feel free to contact a representative directly toll free at ###-###-#### regarding payment options or require if further assistance is neededIf we do not hear from the [redacted] 's within days of this correspondence, we will return the account to the creditorOur file will then be closedMrand Ms [redacted] would then be asked to direct any further questions to their creditorMror Ms [redacted] may also feel free to contact me directly in the compliance office toll free at ###-###-#### with any questions or concerns regarding this informationShould you have any questions regarding this information, please do not hesitate to contact meSincerely, Linda LChief Compliance Officer Northstar Location Services

We have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Someone has submitted a release of judgement dated 3/27/so some how it is getting resolved Regards, [redacted] ***