Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated June 16, 2015.Our records indicate that, on June 1, 2015, we received an account from our client for the purpose of collection in the name of [redacted]. At this time, we began calling telephone numbers where we believed we could...

reach Ms. [redacted]. While we left messages for Ms. [redacted] to call our office back, we did not receive any callback.Pursuant to the above correspondence, we have removed all telephone numbers from the above account. Our records do not reflect any request prior to this correspondence for no further communication.We are also in the process of closing this account based on Ms. [redacted]'s request for no further communication. Ms. [redacted] may feel free to contact her creditor with any further questions. Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,[redacted]. [redacted]Chief Compliance OfficerNorthstar location Services, LLC

RE: [redacted] Complaint ID# [redacted]We have received and reviewed your correspondence us, dated October 11, 2015 and forwarded to ouroffice on October 27,2015.Our records indicate that we received from our client an account for the purpose of collection on January 1,2015. On February 4, 2015...

our office received a payment from Mr. [redacted] in the amount of $2,205.40,which satisfied his account balance in full.On February 9, 2015, this account was returned to Mr. [redacted]'s creditor. Our file has been closedaccordingly. Should Mr. [redacted] have any questions regarding his account, he may feel free to contact[redacted] directly at ###-###-####.Northstar Location Services, LLC is not responsible for updating information provided to credit bureaus aswe are not a credit reporting agency. Mr. [redacted] may contact his creditor or credit reporting agenciesdirectly with any questions in this regard.Pursuant to your correspondence and for Mr. [redacted]'s records, we have mailed him a letter confirming ourreceipt of the payment in full.Should you have any questions regarding this information, please do not hesitate to contact me.[redacted], Cheektowaga, NY 14225-1943Phone ###-###-#### Local ###-###-#### Fax ###-###-####

We have received and reviewed your correspondence to us dated, April17, 2017.Our records indicate that on July 3, 2016, we received from our client an account for the purpose of collections.On April17, 2017, Ms. [redacted] contacted our office requesting assistance with utilizing our payment website....

Ourrepresentative was able to help Ms. [redacted] gain access to her account so she could make paymentarrangements. We believe we have resolved her questions regarding access.In addition, our records indicate that the last payment received on this account was on April 24, 2017, in theamount of $30.00. To date, the total amount of payments received since account placement is $760.49. Ourrecords reflect a remaining balance of $348.00We appreciate Ms. [redacted] for working with us to resolve her balance. Ms. [redacted] may contact a representativedirectly toll free at ###-###-#### should she have any questions regarding payment options or require furtherassistance with accessing our website, [redacted] to make a payment.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, July 25, 2017. 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 options. They opted to set up payment arrangements for a total of $25.00 per month. Our office received and processed three payments each in the amount of $25.00 which were applied to the accounts respectively in the months of April, May and June 2017. In addition, Northstar Location Services, llC is not responsible for updating information with credit bureaus, as we are not a credit reporting agency. Mr. and Ms. [redacted] may contact the creditor or credit reporting agencies directly with any questions in this regard. The account remains open with our office. We would be happy to work with Mr. and Ms. [redacted] toward resolution of the account balances. They may feel free to contact a representative directly toll free at ###-###-#### regarding payment options or require if further assistance is needed. If we do not hear from the [redacted]'s within 30 days of this correspondence, we will return the account to the creditor. Our file will then be closed. Mr. and Ms. [redacted] would then be asked to direct any further questions to their creditor. Mr. or Ms. [redacted] may also feel free to contact me directly in the compliance office toll free at ###-###-#### with any questions or concerns regarding this information. Should you have any questions regarding this information, please do not hesitate to contact me. Sincerely, Linda L. Chief 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 3/27/17 so some how it is getting resolved.  Regards,  [redacted]

We have received and reviewed your correspondence to us dated, January 19, 2018.  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 collections. The account ending in 3990 was placed in our office...

on December 1, 2017. The account ending in 4008 was placed in our office on January 2, 2018. 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 activity. Pursuant to Mr. [redacted]' belief as indicated above, we have requested verification information from his creditor. Although we realize that this information is of the utmost importance, we must inform Mr. [redacted] that this requestcan take up to or exceed 30 days. Upon receipt, these documents will be forwarded directly to him. In 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 agency. Mr. [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 1-888-232-0778 to discuss his  accounts.   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 Service

We have received and reviewed your correspondence to us dated, September 5, 2017.  In response to Ms. [redacted]'s response to our correspondence of August 24, 2017, with reference toquestions regarding her credit report, we encourage her to seek the assistance of her creditor or one  of the major credit reporting agencies. We apologize for any inconvenience in this regard.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

We have received and reviewed your correspondence to us dated, June 30, 2017. Our records indicate that on April 3, 2017, we received from our client an account for the purpose of collections. Our records further indicate we had been attempting to reach an individual at telephone numbers obtained...

from various sources where we believed we could reach them. Pursuant to Mrs. [redacted]'s correspondence to your office, we have removed the pertinent telephone information from this account. No further calls have been or will be placed by our office to the telephone numbers 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. 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 Complaint ID [redacted].We have received and reviewed your correspondence us, dated June 25, 2015.Our records indicate that we received from our client an account for the purpose of collection on March 3, 2014. Our records further indicate we had been attempting to...

reach Ms. [redacted] and left messages at telephone numbers where we believed she could be reached. At no time was any account information discussed with anyone. Our records do not reflect any callback from or any direct communication with Ms. [redacted] since the account was placed with our office.Pursuant to Ms. [redacted]'s correspondence to your office, we have conducted an investigation and determined that our records do not show any calls were made after 9:00pm CDT by our office as she described. In addition, our records confirm that the times of all calls made by our office are in compliance with all state and federal collection requirements. Our representative followed all appropriate procedures regarding debt collection and acted in a courteous and professional manner at all times.We have completed the process of returning this account to Ms. [redacted]'s creditor based on her request for no further communication. Our file has been closed accordingly. 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 by our office. Ms. [redacted] may feel free to contact her creditor with any further questions. We apologize for any inconvenience.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

This letter is in response to your letter dated February 21, 2017. This letter is also puts your company on notice for its continued violation of the FCRA, FTC and the FDCP A acts, where your company will be subject to a $1,000 fine plus legal expenses for each violation. Following my numerous attempts requesting your compliance with the provisions of the consumer protection laws, I finally received a letter from your company dated February 14, 2017, showing a total balance, including accrued interest for $55,825.88, along with photocopies of an alleged student loan application dated September 5, 2006 along with an alleged Federal Strafford Loan Master Promissory Note dated February 9, 2006. Your company is continuing to violate the Fair Debt Collection Practices Act (FDCPA), the Federal Trade Commission (FTC) Act, Fair Credit Reporting Act (FCRA) along with other state laws as follows: 1. the alleged application enclosed is not the original document allegedly signed by me; 2. the alleged promissory note enclosed is not the original note allegedly signed by me; 3. the alleged promissory note enclosed clearly states that this a "Federal Strafford Loan", which may be serviced by Education Credit Management Corporation (EM C) (Exhibit 1) which is a servicer of federal student loans; 4. based on my investigation of this alleged debt, according to your letter dated February 14, 2017, it clearly states the Account # to be [redacted]. If in fact your intentions are to continue to violate federal and state laws, this loan was in fact paid in full back in 2009 (Exhibit 2); and 5. your company has failed to prove and validate any debt that I may owe, in fact, this alleged debt, is no longer collectable as it is time-barred debts pursuant to the New Hampshire Statute of Limitations (RSA 508:4 ), as the statute of limitations for debts, is 3 years (Exhibit 3).This is my final attempt at resolving this matter amicably with your company. I will be forced to bring a court action against your company if your collection efforts do not cease immediately. Sincerely, [redacted]cc: Federal Trade Commission, 600 Pennsylvania Avenue, NW Washington, DC 20580 Consumer Protection Bureau, 1800 F Street, NW, Washington, DC 20405

We have received and reviewed your correspondence to us dated, July 6, 2017.  Our records indicate that on April 3, 2017, we received from our client an account for the purpose of collections.Pursuant to Ms. [redacted]'s previous correspondences requesting validation of her account we had requested additional information from her creditor. This information was mailed to her attention on June 12, 2017 and June 28, 2017. Our records do not indicate we were made aware of Ms. [redacted]'s claim of identity theft.  At the request of Ms. [redacted]'s creditor, this account has been recalled from our office. Accordingly, our file has  been closed. Ms. [redacted] should contact the Barclays Bank Delaware Fraud Department at 1-888-232-0778 for further assistance and guidance for her situation. If Ms. [redacted] has any general questions regarding her account, she may also contact Barclays Bank Delaware customer service directly at 1-866-918-5212.  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, March 15, 2017.  Our records indicate that we received from our client an account for the purpose of collections on February 26,  2015. Our records further indicate the initial notice dated, March 6, 2015 was sent to a [redacted]...

[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. [redacted]'s creditor on December 10, 2009, the balance continues to remain due.  Pursuant to Mr. [redacted]'s dispute correspondence, at his creditor's request, this account was recalled from our office  on March 21 , 2017. Accordingly, our file has been closed. Mr. [redacted] may contact Ally Financial directly at toll free at 1-800-241-0172 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. [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 business admitted that the debt closed out in 2009 it is 2017 statutes of limitation on debt in my state is 4 years, therefore they admitted to trying to collect debt no longer inside the statutes of limitations.
Regards,  [redacted]

We have received and reviewed your correspondence us, dated October 14, 2016. In addition, we haveacknowledged receipt of and shared this correspondence with Ms. [redacted]'s creditor.Our records indicate that on August 21 , 2016 we received from our client a packet of accounts in the name of[redacted] M....

[redacted], borrower for the purpose of collections. Our records indicate we had been attempting to reachMs. [redacted] at telephone numbers we believed to belong to her. Pursuant to Ms. [redacted]'s correspondence toyour office, we have removed the pertinent telephone information from the above accounts. No further calls havebeen or will be placed by our office to the telephone numbers in question. Our company policy is to removetelephone numbers in the event we are notified that the telephone number is not the correct one to reach thecustomer. Our records do not reflect any request for no calls prior to our receipt of the above correspondence.We apologize for any inconvenience.We would be happy to work with Ms. [redacted] toward resolution of her account balance. Ms. [redacted] may feelfree to contact a representative directly toll free at ###-###-#### should she have any questions regardingpayment options or require further assistance. Ms. [redacted] may also visit our website athttps://www.gotonls .com to make a payment.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, 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

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 us, dated May 5, 2016. In addition, we have acknowledged receipt of and shared this correspondence with Ms. [redacted]'s creditor. We believe Ms. [redacted]'s concerns outlined in the above correspondence have been resolved. Our records indicate that we spoke with Ms. [redacted] on  May 10 , 2016, when she called our office to discuss her final payment. At this time, the call was routed to myself. We discussed the payment  date and amount. Ms. [redacted] stated that she understood the terms of the agreement after reviewing everything. The call was then transferred to our Remittal Processing department to accept and process the final payment of the plan. The account is now coded as settlement in full. We are in the process of forwarding a letter to Ms. [redacted] stating the account has been settled in full. Should 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

We have received and reviewed your correspondence to us dated, July 31, 2017. Our records indicate that on April 4, 2017, we received from our client an account in the name of [redacted] for the purpose of collections. Pursuant 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 office. This information was mailed directly to Ms. [redacted]'s attention on July 19, 2017. On July 21, 2017, at her creditor's request, Ms. [redacted]'s account was returned to her creditor. Our file has been closed accordingly. Should 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 enterprises. Ms. [redacted] may find additional information regarding our collection agency licensing and registration credentials by visiting the following website at http://www.[redacted].com. Our company maintains all necessary licensing and registrations as required by the State of [redacted] for debt collections. 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, December 7, 2016.Our records indicate that on November 3, 2016, we received from our client an account for the purpose ofcollections. Our 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 incorrect. At this time, Mr. [redacted] provided his current address and alsorequested our office to validate this account. Pursuant to Mr. [redacted]'s request, we obtained from his creditor,information regarding the account on file in our office. This information was mailed to Mr. [redacted]' attention onDecember 9, 2016. In addition, a copy of the initial notice dated, November 4, 2016 has been emailed to Mr.[redacted]. 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 balance. Mr. [redacted] may contact arepresentative directly at toll free at ###-###-####, should he have any questions regarding payment options orrequire further assistance. Mr. [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 M. L[redacted]Chief Compliance OfficerNorthstar Location Services, LLC

We have received and reviewed your correspondence to us dated, December 21, 2017.Our records indicate that on August 13, 2017, we received from our client, a private student loan account in thename of [redacted], borrower for the purpose of collections. This account was previously placed in...

ouroffice from March 28, 2016 to September 28, 2016, during which time Ms. [redacted] negotiated a settlement offerwith our representative on April11, 2016, but was not completed.Our records further indicate that on August 14, 2017, our office mailed a letter to Ms. [redacted] to notify her that ouroffice was now handling her account. A copy of this letter is enclosed for Ms. [redacted]' reference. Our records donot reflect calls were made to Ms. [redacted] as she indicates in her correspondence to your office. In addition, ourcompany policy requires our representatives to be courteous and professional at all times.Pursuant to Ms. [redacted]'s correspondence to your office, we have removed the pertinent telephone informationfrom the above account. No further calls have been or will be placed by our office to the telephone number inquestion. Our records do not reflect any request for no calls prior to our receipt of the above correspondence.We apologize for any inconvenience.We would be happy to work with Ms. [redacted] toward resolution of her balance. Ms. [redacted] may contact arepresentative directly at toll free at ###-###-####, should she have any questions regarding payment optionsor require further assistance. Ms. [redacted] may also visit our website at [redacted] to make apayment.Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely,Linda L[redacted]Chief Compliance OfficerNorthstar Location Serices, LLC