Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated, May 2, 2017. Please note, our records do not indicate receipt of Ms. [redacted]'s original complaint dated, August 15, 2015. Our records indicate that on May 7, 2015, we received from our client an account for the purpose of...

collections.  On July 31 , 2015, Ms. [redacted] advised our agent that she was disputing the balance on her account. Pursuant toMs. [redacted]'s dispute, this account was returned to her creditor for further handling on August 4, 2015. 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 collections. On July 5, 2016, this account was returned to the creditor at their request. Our file was closed accordingly.  In addition, our files indicate that we ceased all contact with Ms. [redacted] on July 31 , -2015. 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 me. Sincerely,  Linda M. Leising  Chief Compliance Officer  Northstar Location Services, LLC4285 Genesee Street, Cheektowaga, NY 14225-1843

We have received and reviewed your correspondence to us dated, January 28, 2017.Our records indicate that on October 30, 2016, we received from our client, a private student loan account in thename of [redacted] A. [redacted], borrower for the purpose of collections.Pursuant to Mr. [redacted]'s...

correspondence, we have requested additional information Mr. [redacted]'s creditor.Although we realize that this information is of the utmost importance, we must inform Mr. [redacted] that thisrequest can take up to or exceed 30 days. Upon receipt, these documents will be forwarded directly to Mr.[redacted]. In the interim, we have suspended all collection activity on this account. After Mr. [redacted] hasreviewed this information, we ask that he contact our office to discuss this account. Our records do not indicatereceipt of a previous request directly from Mr. [redacted].We would be happy to work with Mr. [redacted] toward resolution of his balance. Mr. [redacted] may contact aNorthstar representative directly toll free at ###-###-#### should he have any questions regarding paymentoptions or require further assistance. Mr. [redacted] may also visit our website at https://www.gotonls.com to makea 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

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 loan. Although they claim they didnt call me because I have proof of voicemails 
Regards,
[redacted]

We have received and reviewed your correspondence to us dated, February 13, 2017.  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 collections. On 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, 2006. While this account was charged off as delinquent by Ms. [redacted]' creditor on October 31, 2009, the  balance continues to remain due. On December 10, 2016 and December 12, 2016, Ms. [redacted] contacted our representative to discuss settlement options for this account. On December 29, 2016, Ms. [redacted] conveyed to our representative that additional student loans were information regarding her outstanding private and federal loans. In addition, Ms. [redacted] requested a settlement offer letter which was promptly emailed to her attention. At 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]' creditor. This information was mailed directly to Ms. [redacted]' attention on February 14, 2017. In addition, pursuantto Ms. [redacted]'s dispute correspondence received in our office on February 14, 2017, we have requested additional information from her creditor. Although we realize that this information is of the utmost importance, we must inform Ms.[redacted] that this request can take up to or exceed 30 days. Upon receipt, these documents will be forwarded to Ms. [redacted] for her review. Should Ms. [redacted] have any additional questions regarding her account, she may contact Navientdirectly at 1-888-272-5543. We would be happy to work with Ms. [redacted] toward resolution of her balance. Ms. [redacted] may contact a Northstar representative directly toll free at 1-855-454-1082 should she have any questions regarding payment options or require further assistance. Ms. [redacted] may also visit our website at https://www.gotonls.com to make a payment. Should you have any questions regarding this information, please do not hesitate to contact me.Sincerely, Linda [redacted] Chief Compliance Officer Northstar Location Services, LLC

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. [redacted].Our...

records further indicate that we spoke to Mr. [redacted] on when he indicated that he was informedthat he could cancel the account within 30 days' time. Pursuant to the information provided duringthis call and pursuant to the above correspondence received, we have obtained and sent a copy ofverification materials to Mr. [redacted]. A copy has been attached for your convenient reference.Following Mr. [redacted]'s review of this information, we ask that he contact our office directly at 1-877-630-6700 and request to speak with Mr. Ryan [redacted], Director for this portfolio. In 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 times. Westrive to ensure that every customer receives a positive experience when speaking with anyone fromour office. We 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

We have received and reviewed your follow up correspondence to us dated, November 18, 2016.  In response to Mr. [redacted]'s concerns regarding the source of the telephone information, our office obtained telephone information for him through skip tracing. As previously indicated, we called telephone numbers  where we believed he could be reached.  Pursuant to Mr. [redacted]'s dispute correspondence, we have notified our client of Mr. [redacted]'s concerns and requested additional information regarding the accounts. Although we realize that this information is of the utmost importance, we must inform Mr. [redacted] that this request can take up to or exceed 30 days. Upon receipt, these documents will be forwarded to Mr. [redacted] for his review. After Mr. [redacted] has reviewed this information, we ask that Mr. [redacted] contact our office to discuss this account. In the interim, the account remains in a suspended status and Mr. [redacted] will not receive any communication from our office. We are unable to address any concerns relating to Mr. [redacted]'s credit report, as we are not a credit reporting agency. Mr. [redacted] may also contact Navient, the private loan servicer for Education Finance Partners, directly at 1- 800-930-7757 with any questions regarding his accounts. We would be happy to work with Mr. [redacted] toward resolution of his balances. Mr. [redacted] may contact arepresentative directly toll free at 1·855·454-1082 should he 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

We have received and reviewed your correspondence us, dated December 5, 2015. In addition, we have acknowledged receipt of this correspondence with Ms. [redacted]’s creditor.  Our records indicate that we received from our client an account for the purpose of collection on December 2, 2015....

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 correspondence. In 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. [redacted], we are in the process of returning the account to her creditor.  Our file will be closed accordingly. Should 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 M. Leising   Chief Compliance Officer   Northstar Location Services, LLC

We have received and reviewed your correspondence us, dated July 14, 2016. In addition, we have acknowledged receipt of and shared this correspondence with Ms. [redacted]' creditor. Our records indicate that on June 5, 2016, our office received three accounts in the name of [redacted] for the purpose...

of collection. Two of the three account placed indicate co-makers in the names of [redacted] and [redacted]. While we left messages for Ms. [redacted] to call our office at telephone numbers we believed to belong to her, we did not speak with her. On July 14, 2016, we did speak with Ms. [redacted], co-applicant. At this time, Ms. [redacted] stated that Ms. [redacted] was making payments, and concluded the call. We did not speak with Ms. [redacted] again or any other individual with reference to this matter. As indicated above, account information was only discussed with Ms. [redacted] who is listed as a co-applicant. Pursuant to the correspondence from your office, we have removed all telephone information from the accounts. No further calls will be placed by our office. We would be happy to continue working with Ms. [redacted] toward resolution of her account balances. Ms. [redacted] may feel free to contact our manager, Mr. Terrance [redacted], directly toll free at [redacted] should she have any questions regarding payment options or require further assistance. Ms. [redacted] may also visit our website at https:/ /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. [redacted]    Chief Compliance Officer Northstar Location Services, LLC

We have received and reviewed your correspondence to us dated May 12, 2016. In addition, we have acknowledged receipt of and shared this correspondence with Mrs. [redacted]' creditor. Our records indicate that on May 3, 2016, we received from our client, Mrs. [redacted]' creditor, an account for the...

purpose of collections. At the customer's request, we have removed the numbers the customer has specifically identified to us as work numbers. No further calls have been or will be placed by our office to the telephone numbers in question. Additionally, at Mrs. [redacted]'  request, all future contact will be by mail or at the telephone number ending in 2197.   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 experience. We 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, 2017. 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, Mr. David [redacted], toll free at 1- 855-211-4583.  Should you have any questions regarding this information, please do not hesitate to contact me. Sincerely,  Linda M. [redacted]  Chief Compliance Officer