Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated, May 26, 2017. Our records indicate that on May 4, 2017, we received from our client an account for the purpose of collections. Pursuant to the possibility of fraud as indicated by Mr***, our client's procedure
is to obtain written documentation to enable a fraud investigationWe ask that Mr*** kindly forward to our office the following items: a written consumer statement, police report and/or affidavit of fraud and a copy of one of the following; a state or federal identification, driver's license or social security cardUpon receipt, we will forward this information to Mr***'s creditor for further investigationWe have suspended all collection activity on this account for days to allow Mr*** time to gather and forward this informationWe ask that Mr*** mail or fax this information to our office at thefollowing 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 meSincerely, Linda M*** Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated September 21, In addition, we haveacknowledged receipt of and shared this correspondence with Mr***' creditor.Our records indicate that on July 5, we received from our client a packet of accounts in the name of Shari B.***,
borrower and *** F*, co-borrower for the purpose of collectionsCorrespondence regardingthis account was sent to Ms***' attention on May 24, 2016, July 27, 2016, August 1, 2016, and September 8,On September 21, 2016, Ms*** contacted our office to discuss potential monthly repayment plans orsettlement options available on the account.On September , 2016, we spoke with Mr*** at a telephone which he confi rmed was his place ofemploymentAt this time, Mr*** stated that he would contact us later that day and the call was concludedAtno time during the conversation did Mr*** request no further calls at that telephone number.Pursuant to the correspondence from your office, we have removed all telephone information for Mr*** fromthe accountNo further calls will be placed by our office directly to Mr***We apologize for anyinconvenience.We would be happy to continue working with Ms *** and Mr*** toward resolution of their accountbalanceMr*** may feel free to contact our manager, MrTerrance W***, directly toll free at ###-###-####should he have any questions regarding payment options or require further assistanceThey may also visit ourwebsite at *** to make a payment.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda ML***Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence us, dated May 20, In addition, we have acknowledged receipt of and shared this correspondence with Ms***' creditorOur records indicate that on October 4, 2015, we received from our client an account in the name of *** E***,
borrower, for the purpose of collectionOur records further indicate we had been attempting to contact Ms*** at telephone numbers where we believed she could be reached. Pursuant to the above correspondence, we have removed all telephone numbers from Ms***' accountWe will no longer contact Ms*** by telephone, in accordance with her requestIn addition, we have conducted a full investigation with reference to Ms***' statements and determined that no account information was conveyed to any third partyWe apologize for any inconvenience in this regardSince the time the account was placed with our office, we have been notified by Ms***'s creditor of payments made directly to them totaling $which were posted to the account balance accordinglyIn addition, interest continues to accrue on the loan in accordance with the terms of the original agreementThe account will remain open with our office in order to process payments; however, as indicated above, we will no longer make any attempts to contact her. We would be happy to continue working with Ms*** toward resolution of her balanceMs. *** can contact our manager, MrTerrance ***, directly toll free at *** *** should she have any questions regarding payment options or require further assistanceMs*** may also visit our website at https://www.gotonls.com to make a payment. Should Ms*** have any questions for her creditor, she may contact Navient Solutions Inc. directly 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, Linda M*** Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated September 26, In addition, we have acknowledged receipt of and shared this correspondence with Ms***' creditor.Our records indicate that on September 25, we received from our client an account in the name of *** L
***, borrower for the purpose of collectionsAccording to information provided by Ms***' creditor, this account was charged off on February 28, 2015, and the last payment received on the account was on May 16, On September 26, 2016, we sent a letter by regular mail notifying Ms*** that the account was placed in our officeNorthstar 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 regardWe would be happy to work with Ms*** toward resolution of her account balanceMs*** may feelfree to contact a representative directly toll free at 1-855-454-should she have any questions regarding payment options or require further assistanceMs*** 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 meSincerely, Linda M*** Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated, April 4, Our records indicate that we received from our client an account for the purpose of collections on February 26, While this account was charged off as delinquent by Mr***'s creditor on December 10, 2009, the balance continues to remain dueRegarding Mr***'s question regarding statute of limitations, as stated in all correspondences to Mr***, "Due to the age of your account the above creditor is not able to file suit against you but if you take specific action such as making a written promise to pay, the time for filing a suit will be reset." Mr***'s account was recalled from our office on March 21, Accordingly, our file has been closedMr. *** may contact Ally Financial directly at toll free at 1-800-241-to discuss any questions he may have regarding this account. 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

We have received and reviewed your Revdex.com (Revdex.com) correspondence to us dated, June 21, Our records indicate that on April 3, 2017, we received from our client an account for the purpose of collectionsPlease note that we did not purchase this account and that Barclays Bank
Delaware remains the owner of this accountNorthstar is a third party debt collector for Ms***'s creditorNorthstar Location Services,LLC is not responsible for updating information provided to credit bureaus as we are not a credit reporting agencyMs*** may contact her creditor or credit reporting agencies directly with any questions in this regardPursuant to Ms***'s correspondence to the Consumer Financial Protection Bureau (CFPB) dated May , 2017, we had requested additional information from her creditorThis information was mailed to her attention on June 12, and June 28, In the interim, we have suspended all activity on this account for daysAfterMs*** has reviewed this information, we ask that she contact our office to discuss this accountIf Ms*** has any questions regarding her account, she may also contact Barclays Bank Delaware directly at 1- 866-918-We would be happy to work with Ms*** toward resolution of her balanceShe may contact a representative directly toll free at 855-211-should she have any questions regarding payment options or require further assistanceMs*** 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 meSincerely, Linda M*** Chief Compliance Officer

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 belowMyself and the company I work for want to know how they were able to get my work phone numberThey stated the account was opened in 2006, and my contact information was provided by the creditorIn I was not working at this job, I have only been here since My number is not a public number, it is not published anywhere expect internal sites within the company I also reject the fact that I have any delinquent loans, seeing how I just bought a house and pulled all three full credit reports and it is no where on any of them actually my credit report states that I have never had a loan through Education Finance PartnersI attempted to call the number they provided of Navient and they were no help told me I had to contact NorthStar. Regards, *** ***

We have received and reviewed your correspondence to us dated, December 28, 2017.  Our records indicate that on November 1, 2017, we received from our client, an account for the  purpose of collections. Our records further indicate that we were calling telephone numbers where we believed...

we could reach Ms. [redacted]. We were able to speak with Ms. [redacted] on November 8th and 16th. Each time, payment options were discussed. On November 16, 2017, Ms. [redacted] indicated that she would attempt to obtain a loan and call our office back. As 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 reached. However,  our attempts were unsuccessful. Pursuant to Ms. [redacted]'s correspondence to your office, we have removed the pertinent telephone information from the above account. No further calls have been or will be placed by our office to the telephone number in question. Our records do not reflect any request for no calls prior to our receipt of the above correspondence. We apologize for any inconvenience. In addition, as of January 2, 2018, the account was returned to Ms. [redacted]'s creditor. Accordingly, our file has been closed. Should Ms. [redacted] have any further 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 M. L[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, 2014. Our records further indicate that we had...

been attempting to reach Mr. [redacted] at telephone numbers we believed to belong to him. Pursuant to the above correspondence, we have removed all pertinent telephone information from the above mentioned account. No further calls will be placed to Mr. [redacted]. We apologize for any inconvenience.In addition, we have requested and obtained from Mr. [redacted] creditor, information regarding the account on file in our office. This documentation was forwarded directly to Mr. [redacted] attention via regular mail on June 16, 2015. We would like to work with Mr. [redacted] in reference to the above mentioned account. We 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 30 days of this notice, we will return the account to his creditor and our file will be closed. Mr. [redacted] would then be asked to direct any questions to his creditor. 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 us, dated September 23, 2016. 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 4,2016. Letters were sent to Ms. [redacted] while the account was being worked with our office which reflected thecreditor as Barclay's Bank Delaware. The account was coded as settled in full on May 10, 2016, when the finalpart of the settlement plan was processed on the account. A 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 department. Theagent was unable to view the specific account details and answered Ms. [redacted]'s questions based on the clientfor this specific department. We 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 Delaware. They have advised us that a request has been submitted to ensure all credit reportsare updated to reflect the account as settled after charge off. They have advised that it may take 30 days forthe update to occur and that a letter will be sent to Ms. [redacted] confirming this information. Should Ms. [redacted]have any further questions regarding this information, she may contact her creditor directly at toll free [redacted]
[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

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. I asked for validation  I had contacted Barclay prior to advise
Barclay of information per this account but they advised again they are
no longer handling this account I filed a complaint with cfsp and the
response that Northstar sent is the same response they sent  to cfsp I
filed/ disputeswith credit bureau that I did not authorize some of the
charges that is listed on this Barclay account I sent in a report
showing I'm a victim of identify theft when I contacted Barclay directly
in June of 2016 and spoke with two different reps and both they refuse
to speak with me on this account since it's being handled by Northstar -
I contacted Northstar they were only interested in me setting up a
payment arrangement I have no contract with Northstar I have already
filled disputes with all three credit bureau for removal f this account
off my credit report it's being reported By Barclay but Northstar is the
collection agency that's handling this account  Regards,   [redacted]

We have received and reviewed your correspondence to us dated, June 5, 2017. Our records indicate that on May 31, 2017, we received from our client an account for the purpose of collections. Pursuant to your correspondence, we requested and obtained from Mr. [redacted]'s creditor, verification information...

regarding the account on file in our office. This information was mailed to Mr. [redacted]'s attention on June 22, 2017. On June 20, 2017, Mr. [redacted]'s account was closed in our office at his creditor's request. Our file has been closed accordingly. Should Mr. [redacted] have any questions regarding his account, he may contact [redacted] Financial directly at ###-###-####. Should you have any questions regarding this information, please do not hesitate to contact me. Sincerely, Linda L. Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated, August 4, 2017.  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 collections. While the loans were entered into on various...

dates between 2005 and 2007, all accounts in this packet were changed off by her creditor on August 31 , 2015. The interest rate on the principle balance for each account is determined by the terms of the loan Ms. [redacted] entered into with her creditor. Northstar Location Services, LLC is not responsible for updating information provided to credit bureaus as we are not a credit reporting agency. You may contact your creditor or credit reporting agencies directly with any questions in this regard. On 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 Program. On 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 8 a.m. to 9p.m. and Friday 8a.m. to 8 p.m., ET. We are happy to be working with Ms. [redacted] toward resolution of her balance. Ms. [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

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, 2015. Our records further indicate that on...

April 14, 2015, Mr. [redacted] spoke to a representative regarding his accounts placed in our office. At 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 October. At no time during the call did Mr. [redacted] request no further contact by our company regarding this account. Our records confirm that no further telephone calls were made to Mr. [redacted]. However, two additional collection letters were sent via regular mail following this communication with Mr. [redacted].Thereafter, on Saturday, June 27, 2015 our office received an email communication from Mr. [redacted] requesting that all contact regarding the aforementioned accounts cease. Pursuant to this communication from Mr. [redacted], we began processing the return of the account to his creditor. On June 30, 2015, our file was closed accordingly. Should 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 mail. In 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 M. L[redacted]Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence us, dated October 19, 2016. In addition, we haveacknowledged receipt of and shared this correspondence with our client.Our records indicate that on October 5, 2016, we received from our client an account in the name of [redacted].[redacted], for the...

purpose of collections. In order for us to properly communicate on matters regarding Mr. [redacted]'current circumstances, we ask that Ms. [redacted] or Mr. [redacted]'s representative kindly forward to our office anexecuted Power of Attorney. Upon receipt of this document, we will then be able to assist Ms. [redacted] with herrequest. Should you have any questions regarding this information, please do not hesitate to contact me. Linda M. [redacted] Chief Compliance Officer  Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated May 16, 2016. In addition, we have acknowledged receiptof and shared this correspondence with Ms. [redacted]'s creditor.Our records indicate that on March 27, 2016 we received from our client an account in the name of [redacted] M....

[redacted],borrower, for the purpose of collections. According to information provided by Ms. [redacted]'s creditor, the last paymentreceived on the account before charge-off was on October 22, 2007 in the amount of $80.00. This account was charged offon November 29, 2008. In addition, Ms. [redacted]'s creditor informed us of a payment on May 12, 2016, in the amount of$117.22 which she made directly to them.Pursuant to your correspondence, we have requested additional information from Ms. [redacted]'s creditor. Although werealize that this information is of the utmost importance, we must inform you that this request can take up to or exceed 30days. Upon receipt, these documents will be forwarded directly to Ms. [redacted] for her review. After 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 person. We apologize for any inconvenience.Northstar Location Services, LLC is not responsible for updating information provided to credit bureaus as we are not acredit reporting agency. You 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 1-888-272-5543 to discuss her account.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Chief Compliance OfficerSat

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 Fraudulently. Regards,   [redacted]

Attached please find our response to [redacted] # [redacted]February 9, 2017[redacted], Complaint HandlerRevdex.com100 Bryant Woods SouthAmherst, NY 14228RE: Mr. [redacted] - [redacted]Dear [redacted]:We have received and reviewed your correspondence to us dated, January 26, 2016. 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 Performance. The 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 account. Our 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 you. On 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 claim. The account has been coded as settled in full with the payment received and processed on January 19, 2017. 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 [redacted].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

Attached please find our response to Complaint [redacted]

April4, 2016[redacted], Complaint HandlerRevdex.com100 Bryant Woods SouthAmherst, NY 14228Ms. [redacted]Dear [redacted]:We have received and reviewed your correspondence us, dated March 24, 2016. In addition, we haveacknowledged receipt of and shared this correspondence with...

Ms. [redacted]'s creditor.Our records indicate that on November 1, 2015 we received from our client an account in the name of [redacted], borrower and [redacted]. [redacted], co-borrower for the purpose of collections. Pursuant to the possibility of fraud as indicated in Ms. [redacted]'s correspondence, the account was returned to her creditor on March 30, 2016.Accordingly, our file has been closed.Should Ms. [redacted] have any questions regarding her account, she may feel free to contact [redacted] Solutions Inc(formerly Sallie Mae) directly at toll free at [redacted] to discuss her accounts.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, LLC4285 Genesee Street, Cheektowaga, NY 14225-1943Phone 877·630·6700 local 716·817-6770 Fax 716·565·6928