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 I have spoken with robert at northstar [redacted] to make an arrangements to pay my loanAlthough they claim they didnt call me because I have proof of voicemails Regards, [redacted]

Attached please find our response to Complaint [redacted]

We have received and reviewed your correspondence to us dated, December 6, 2016.Our records indicate that on October 23, 2016, we received from our client an account for the purpose ofcollections. Thereafter, we attempted to reach an individual at telephone numbers where we believed they couldbe... reached. On December 6, 2016, our office was advised that the telephone number ending in 2088 was not thecorrect telephone number for the individual we were attempting to contact. As required by company policy, we hadimmediately removed the pertinent telephone information from the above mentioned account. No further callshave been or will be placed by our office to the telephone number in question. We apologize for anyinconvenience.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda M. L [redacted] Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated May 12, In addition, we have acknowledged receipt of and shared this correspondence with Mrs [redacted] ' creditorOur records indicate that on May 3, 2016, we received from our client, Mrs [redacted] ' creditor, an account for the purpose of collectionsAt the customer's request, we have removed the numbers the customer has specifically identified to us as work numbersNo further calls have been or will be placed by our office to the telephone numbers in questionAdditionally, at Mrs [redacted] ' request, all future contact will be by mail or at the telephone number ending in Our company policy requires our representatives to be courteous and professional at all times Our goal is to ensure that every customer receives a positive servicing experienceWe apologize for any inconvenience in this regard On May 12, 2016, the customer contacted our office to establish a repayment plan with monthly payments on file with our office until August 12, A letter with the updated terms has been sent to Mrs [redacted] home address Should Mrs [redacted] have any questions regarding her payment plan or require further assistance she may feel free to contact the department manager, MrDavid [redacted] , toll free at 1- 855-211- Should you have any questions regarding this information, please do not hesitate to contact meSincerely, Linda M [redacted] Chief Compliance Officer

We have received and reviewed your correspondence to us dated, December 11, 2017.Our records indicate that we received from our client an account in the name of *** T***, for the purpose of collection onJuly 6, At the request of Mrs***'s creditor, her account was closed with our
office on November 2, No collectionattempts by Northstar Location Services, LLC have been made since the account was returned to the creditor.Our records further indicate that on July 5, 2015, our office received Mrs***'s correspondence submitted to a regulatory agency.We responded promptly, on July 15, 2015, to all the concerns presented in the correspondence and our file was closed.Thereafter, on September 22, 2015, our office received a second inquiry submitted by Ms*** to a regulatory agency outliningsimilar concerns presented in the July 5, correspondenceWe again responded to the concerns outlined and submitted ourresponse on October 1, Our file was closed.With reference to Mrs***'s recent correspondence submitted to the CFPB on November 23, 2017, our records again confirm thatwe have not made any attempts to contact Mrs***, either by mail or phone, to any telephone numbers since the account wasreturned to her creditor more than seven years agoIn addition, we are unable to provide any guidance regarding her credit report,as Northstar Location Services, LLC is not a credit reporting agencyMrs*** may contact her creditor or credit reporting agenciesdirectly with any questions in this regard.With reference to Mrs***'s most recent correspondence directly to our office on December 10, 2017, a notice of *** M***,Pro Se, intent to file a $6,small claims case in Allen (County) Superior Court- Small Claims Division, we believe the claimsmade are not with merit.With reference to any alleged violations, Northstar Location Services, LLC believes that any potential action regarding our callingefforts which Mrand Mrs*** intends to pursue, is barred by statute of limitations.If Mrs*** has any questions regarding her account, she may kindly direct all inquiries to her creditor, *** ** ***, directly at1-***A representative is available Monday- Thursday SAM- 9PM and Friday SAM- 7PM to assist her.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda L***Chief Compliance OfficerNorthstar Location Services, LLC

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear It has been longer than days, remove all accounts from reports. Regards, *** ***

We have received and reviewed your correspondence to us dated, November , 2016. Our records indicate that on October 23, 2016, we received from our client an account in the name of *** ***, borrower for the purpose of collectionsThereafter, we attempted to reach Mr*** at
telephone numbers where we believed he could be reachedAccording to information provided by the creditor, the account was opened on August 3, While the account was charged off as delinquent on August , 2012, the balance continues to remain dueOur company policy requires that on all oral communications with consumers, we are required to verify certain points of personal information to ensure that we are speaking with the correct personAfter this information is provided, we are thenable to disclose all available information regarding the account to the consumerOn October , 2016, Mr*** contacted our office regarding his accountIn addition, Mr*** requested no furthercalls to his place of employmentAs required by company policy, we had immediately removed the pertinent telephone information from the above mentioned accountOur records do not reflect any prior requests for no further callsNo further calls have been or will be placed by our office to the telephone number in questionWe apologize for any inconvenienceIn addition, our records confirm that all calls made by our office are in compliance with state and federal requirementsOur representative followed all appropriate procedures regarding debt collection and acted in a courteous and professionalmanner at all times. Pursuant to Mr***'s dispute correspondence, we have notified our client of Mr***'s concerns and requested additional information regarding the accountsAlthough we realize that this information is of the utmost importance, we must inform Mr*** that this request can take up to or exceed daysUpon receipt, these documents will be forwarded to Mr*** for his reviewAfter Mr*** has reviewed this information, we ask that Mr*** contact our office to discuss this accountMr*** may also contact Navient, the private loan servicer for Education Finance Partners, directly at 1-800-930-with any questions regarding his accounts. We would be happy to work with Mr*** toward resolution of his balancesMr*** can contact a representative directly toll free at 1-855-454-should he have any questions regarding payment options or require further assistanceShould you have any questions regarding this information, please do not hesitate to contact me. Sincerely, Linda M.***Chief Compliance Officer

RE: *** *** Complaint # 10865624Dear ***:We have received and reviewed your correspondence us, dated October 19,2015.Our records indicate that we received from our client a packet of accounts for the purpose of collections onOctober 11, Our records further indicate we had been
attempting to reach Ms*** at telephonenumbers we believed were associated with her.On October 19, Ms*** contacted our representative regarding a message left for herDuring theconversation Ms*** requested that we no longer attempt to contact her at a specific phone number.Pursuant to Ms***'s request, we had removed the pertinent telephone information from the above account.No further calls have been or will be placed by our office to the telephone numbers in question.We would like to work with Ms*** to resolve any concerns she may have regarding this accountWe inviteher to contact us directly at ###-###-#### to assist her with an answer or discuss payment options available.If we do not hear from Ms*** within days of this notice, we will return the account to her creditor and ourfile will be closedMs*** would then be asked to direct any questions to her creditor.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda M L***Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated, September 12, Our records indicate that on May 1, 2017, we received from our client an account for the purpose of collections.On July 27, 2017, Ms*** advised our agent that she was disputing the balance on her account and
requested verification informationWe then requested and subsequently received verification information from *** This information was mailed directly to Ms*** on August 28, 2017. Ms***' account was returned to her creditor at their request for further handling on August 1, Our filehad been closed accordinglyWe are not able to fulfill any further requests for information after an account has been returned to our clientWe apologize for any inconvenience this may have caused.Should Ms*** have any questions regarding her account, she may contact her creditor, *** *** Delaware, directly at 1-*** Should you have any questions regarding this information, please do not hesitate to contact me. Sincerely, Linda M*** Chief Compliance Officer Northstar Location Services, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me, even though they were very vague in their response ("our client," "an individual")Regards, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below. [I would like to point out some discrepancies stated in Northstar's responseFirst, Northstar responded that I had settled to two payments totaling $I am not sure where these numbers came from as in 2/I made a payment of $on 2/15/2016; on 3/I made a payment of $277; and on 4/I made a payment of $Further, Northstar has noted that my last payment of about $will made on on 5/6/- nowhere did I agree to the 6th of every monthI stated that I would be able to make a payment by the 10th of every month due to my irregular pay scheduleI am assuming the reason Northstar changed my due date for my final WITHOUT informing me or my consent is because I was able to make a payment on the 6th of the month previous to the final due dateThe reason being due to my irregular pay schedule, which I have noted to the Northstar representatives on why I would prefer the 10th of the monthNot only have I been given incorrect information, but once have been ignored by Northstar as to why the 10th would not only work best for myself but also for Northstar as they can assure a payment will be made by then
Not only is the balance information incorrect as I am not sure where two payments totaling to $came from as I have paid much more than that; which leads me how to get reimbursed for the $and if the last payment will then apply for reimbursement if this is not settled by the 10th as I would have already made that last payment, that I have overpaid NorthstarAlso, it makes me very uncomfortable that my due date changed without my notice at allespecially when the due date is the 10th of every month, I have just been able to pay earlier due to my paydayThis demonstrates an inconsistency in informing members of their balances, due dates, and an inconsistency in the procedures of Northstar as they have different numbers and different dates for one case
Also, my complaint in regards to the way I was treated was: "In addition, our company policy requires our representatives to be courteous and professional at all
timesWe strive to ensure that every customer receives a positive experience when speaking with
anyone from our officeWe apologize for any inconvenience this may have caused." This is something one can google, copy and paste, and use it as their mission statementIt makes me even more uncomfortable that a "chief compliance officer" is even okay with thatTo this date I have yet to hear from the supervisor who said he would follow up on with me regarding the representative's conduct in blatantly and rudely hanging up on me
The poor customer service and lack of professionalism coupled with the inconsistency in the way that Northstar does the most simple and every day work - egdue dates and balances, makes me uncomfortable and cannot fathom how any company, especially a company that deals with the public and people, tolerates the rude behavior and incompetency to figure out due dates and balances and keep them consistent. Regards, *** ***

Attached please find our responseMarch 17, 2016*** Complaint HandlerRevdex.comBryant Woods SouthAmherst, NY 14228MsRoxanna *** Case # ***Dear ***:We have received and reviewed your correspondence us, dated March 3, In addition, we haveacknowledged receipt of and
shared this correspondence with Ms***'s creditor.Our records indicate that we received from our client an account for the purpose of collections onFebruary 4, Thereafter, we attempted to reach Ms*** at telephone numbers we believedbelonged to herOn February 18, 2016, Ms*** contacted our office and spoke to ourrepresentative regarding her accountAt no time did Ms*** request no further calls to anytelephone numbers during this conversation.Subsequently, on February 26, 2016, Ms*** called our office and advised our representativethat she could not be reached at her unspecified company phone numberOur company policy is toremove telephone numbers in the event we are notified that the telephone number is not the correctone to reach the customerAt this time, the telephone number reflected as Ms***' place ofemployment telephone number ending in 2288, was removed.On March 3, 2016, our representative contacted Ms*** and she requested no further calls tothe telephone number that we calledAs required by company policy, we had immediately removedthe information for telephone number ending in *** from our fileNo further calls have been or willbe placed by our office to the telephone numbers in questionWe apologize for any inconvenience.At the request of Ms***'s creditor, this account was returned to them on March 8, Ourfile has been closed accordinglyShould Ms*** have any questions regarding her account,she may contact her creditor directly.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda ML***Chief Compliance OfficerNorthstar Location Services, LLCGenesee Street, Cheektowaga, NY 14225-1943Phone *** Local *** Fax ***

Sent: Thursday, August 04, 12:PM Subject: Re: Complaint #*** Great! Mr*** is stating some facts incorrectly Although yes his apartment was broken into, he stated to multiple people he had an idea who did itThe first time that the apartment was broken into, he reported it
to the Property Manager who happens to live onsite She instructed Mr*** to call PD and she also contacted our courtesy officer who is a Deputy Sheriff with the Harris County Sheriff's DepartmentOur courtesy officer arrived at Mr***'s apartment minutes after the call was placed and met with Mr*** Mr*** began accusing the maintenance men of breaking into his apartment and robbing him; however he stated that he had multiple keys and one was missing he couldn't produce it The officer also noticed that nothing in the apartment was disturbed with the exception of a small safe that was open and only certain jewelry items were missing The officer stated that this looked like it was someone that knew what was in the safe and went straight for the contents of such as they did not touch or take any other thing of value such as tv or entertainment systemsMr*** filed a police report with the authoritiesThe second time Mr***'s unit was vandalized it was discovered by the property manager as she was walking the property She noticed that Mr***'s vehicle wasn't in his parking space and the patio door was off the track and resting on the frame She contacted our courtesy office to escort her into the unit to ensure that Mr*** was safe; when both our property manager and our courtesy officer entered they discovered the apartment had been ransacked including furniture being turned over and tv and entertainment system were taken We could not secure the apartment as Mr*** had changed the locks and when he was contacted he was already on his way home so the locks were not changed as management waited for him to arrive The patio door had been unscrewed by the vandals and it was repositioned in its proper place and additional screws were installed as a safety measure Later that same day when Mr*** arrived he called the property manager over to the apartment and when they walked in the unit had been cleaned completely, even all the candles in his unit were burning Mr*** inquired if this is how it was found, which it wasn't The entire unit had been cleaned and trash picked up, furniture back where it was except the tv and sound system Later when Mr*** spoke with the security officer he stated that he had an idea of who's doing the break-insThe complex is under no obligation to release resident from the contract based on vindictive practices from his acquaintances This was not a random act of violence, rather a premeditated actSecurity devices required by the Texas Property Code secs92.151, and were already installed and working properly; we are under no obligation to provide security cameras, courtesy officers and gate systems according to paragraph 24.1, and of the TAA Lease Contract and the Security Guidelines Addendum to the TAA Lease Contract, which were both acknowledged and signed by the residentIf there's anything that needs to be clarified please let us knowDan *** The Country Club Apartments Cali DrHouston, TX T) 281-893-F) 281-587-www.countryclubhouston.com

We have received and reviewed your correspondence to us dated, March 15, 2017.Our records indicate that on March 26, 2008, we received from our client, Capital One Auto Finance, an accountin the name of *** ***, Borrower and *** ***, Co-Borrower for the purpose of collectionsThisaccount
was an automobile deficiency balance regarding a Dodge Durango purchased on September 4,and charged off on November 1, 2005.On May 9, 2008, a notice of Bankruptcy filing was received in our officeThis correspondence was forwarded toMrand Mrs***'s creditor for further handlingThe account was closed in our office and returned to theircreditor on May 16, Our file was closed accordinglyIf Mr*** has any further questions, we encouragehim to contact Capital One Auto Finance toll free at 1-866-333-1520.Northstar Location Services, LLC has no knowledge of a lien that has been filed against *** or *** ***.In addition, our records do not indicate we have received communications regarding the ***'s since .Should you have any questions regarding this information, please do not hesitate to contact meSincerely,Linda M*** Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated July ,2015. Our records indicate that we received from our client an account for the purpose of collection on May 7, Our records further indicate that on May 19, 2015, Mrs*** called our office and spoke with a
representative regarding her account placed in our officeAt that time, repayment options were discussed including an opportunity to settle the account balance for an amount less than the balance dueMs*** stated that she would call our office back later that day after speaking with her spouse; however, we did not receive a callback as promisedWe also sent Ms*** a letter dated May 20, with the settlement offer that was discussedThe letter states that we are not obligated to renew this offer and this statement was also orally provided to Ms***A copy of this correspondence has been attached for your convenient reference. Thereafter, Ms*** and her spouse called our office on May and 22, 2015, to discuss the possibility of a settlementMr*** stated that they were unable to take advantage of the settlement offer and partial payment options with a down payment were discussedMr. *** stated he would think about the options and call our office back. We did not speak with Ms*** or Mr*** again until June 30, 2015, when Ms. *** called our office and stated that she would like to settle the account balanceA settlement offer was provided and Ms*** immediately provided her payment informationThe account balance is considered settled in full for $6,and the account has been closed with this status. In addition, we attempted to reach Ms*** at telephone numbers where we believed we could reach herOur company policy requires our representatives to be courteous and professional at all timesWe strive to ensure that everyone we speak with receives a positive experience when speaking with anyone from our officeWe apologize for any inconvenience this has caused.At this time, we do not believe any refund is in order, as Ms*** was informed that our company was not obligated to renew any settlement offerShould Ms*** have any further questions in this regard, she may feel free to contact me directly at toll free ###-###-####, ext***. Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda ML***Chief Compliance OfficerNorthstar Location Services, LLC

HelloNow my report looks even worse because apparently northstar is not a repirting agencyWonderful!! ***

We have received and reviewed your correspondence to us dated, January 13, 2017.Our records indicate that on December 21, 2016, we received from our client, *** *** *** ***,who acquired Mr***'s account with Continental Finance, originated by Services Credit Union for thepurpose of
collections.Pursuant to Mr***'s correspondence, we have requested additional information Mr***'s currentcreditorAlthough we realize that this information is of the utmost importance, we must inform Mr*** thatthis request can take up to or exceed daysUpon receipt, these documents will be forwarded directly to Mr.***In the interim, we have suspended all collection activity on this accountAfter Mr*** has reviewedthis information, we ask that he contact our office to discuss this accountOur records do not indicate receipt of aprevious request directly from Mr***.We would be happy to work with Mr*** toward resolution of his balanceMr*** may contact aNorthstar representative directly toll free at 1-866-224-should he have any questions regarding paymentoptions or require further assistanceMr*** may also visit our website at https://www.gotonls.com to make apayment. Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda M*** Chief Compliance Officer Northstar Location Services,

We have received and reviewed your correspondence us, dated April 11, In addition, we have acknowledged receipt of and shared this correspondence with Ms***'s creditorOur records indicate that we received from our client an account for the purpose of collections on January 4,
Thereafter, we attempted to reach Ms*** at telephone numbers we believed belonged to herOur records further indicate that we had been working with Ms*** and discussed several repayment options including an opportunity to settle the account balance in full for less than the full balanceMs*** opted to take advantage of the settlement option which representsapproximately 40% of the outstanding balanceThe most recent agreement was that Ms*** would make two payments totaling $In accordance with our follprocedures, our representatives left messages for Ms*** upcoming paymentPursuant to Ms***'s correspondence to your office, we have suspended any further calls from taking place on this accountOur office has one remaining payment in our office due to post to the account on May 6, At that time, following the posting of the final payment, the account will be coded as settlement in fullWe will forward a settlement paid letter to Ms*** following the posting of this paymentIn addition, our company policy requires our representatives to be courteous and professional at all timesWe strive to ensure that every customer receives a positive experience when speaking with anyone from our officeWe apologize for any inconvenience this may have causedShould Ms*** have any further questions with reference to this matter, she may feel free to Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda M***Chief Compliance Officer

We have received and reviewed your correspondence to us dated, June 13, 2017. Our records indicate that on May 4, 2017, we received from our client an account for the purpose of collectionsPursuant to the possibility of fraud as indicated by Mr***, in your correspondence dated, May 26, we asked that Mr*** forward to our office written documentation of his claimOur records do not indicate receipt of a FTC Fraud affidavit from Mr*** as he stated in his correspondence. While we understand Mr***'s position, we do not have access to the documentation he refers to in his correspondence. We have suspended all collection activity on this account for days to allow Mr*** time to gather and forward this informationWe ask that Mr*** kindly mail or fax this information to our office at the following address:Northstar Location Services, LLCGenesee StreetCheektowaga, NY 14225Fax- 716-565-6928Mr*** may also contact a representative directly at toll free at 1-866-677-, should he have any questions or require further assistanceShould you have any questions regarding this information, please do not hesitate to contact me. Sincerely, Linda M*** Chief Compliance Officer