Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: SD

Complaint narrative:
b'Company: Northstar Location Services, LLC\nAlleged Creditor: XXXX XXXX XXXX XXXX XXXXComplaint Summary\nNorthstar Location Services, LLC is attempting to collect an alleged consumer debt despite the debt being timely disputed and never properly validated, in violation of the Fair Debt Collection Practices Act (FDCPA).\nDetailed Timeline and Facts\nNorthstars initial contact regarding this alleged debt is dated XXXX XXXX within the statutory period, I sent a written dispute and request for validation pursuant to 15 U.S.C.  1692g(b).\nThis dispute was sent via USPS Certified Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and was received by Northstar on XXXX  at XXXX XXXX., as confirmed by USPS records.\nUpon receipt of my dispute, Northstar was legally required to cease all collection activity until proper validation of the alleged debt was provided.\nNorthstar failed to provide validation and failed to respond in compliance with federal law.\nAs a result, on XXXX I sent a second written notice advising Northstar of its failure to respond to my dispute and again demanding validation.\nThis notice was sent via USPS Certified Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and was received on XXXX at XXXX XXXXDespite the unresolved dispute, Northstar sent another settlement demand dated XXXX, constituting continued collection activity on a disputed and unvalidated debt.\nOn XXXX, I sent a formal notice of FDCPA violations, demanding that Northstar either cease collection or provide proper validation, including:\n     Verification of the alleged debt\n     A copy of any agreement bearing my signature\n     Proof of assignment or authority to collect\n     A complete accounting of the alleged balance\nThis notice was sent via USPS Certified Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and was received by Northstar on XXXX  at XXXX XXXXSubsequently, I received correspondence from Northstar dated XXXX enclosing only color copies of alleged account statements and transaction histories. These documents do not establish:\n     A legally enforceable obligation\n     A copy of any agreement bearing my signature\n     Proof of assignment or authority to collect\n     A complete itemized accounting of the alleged balance\nAs such, Northstar has never provided legally sufficient validation, and the alleged debt remains unvalidated.\nViolations\nNorthstars conduct constitutes knowing and repeated violations of the FDCPA, including but not limited to:\n     15 U.S.C.  1692g(b)  Failure to cease collection activity pending validation\n     15 U.S.C.  1692e  Misrepresentation of the legal status and enforceability of the debt\n     15 U.S.C.  1692f  Use of unfair or unconscionable collection practices\nThese violations occurred after multiple certified written notices, demonstrating a pattern of noncompliance.\nResolution Requested\nI am requesting that the CFPB require Northstar Location Services, LLC to:\n     Cease all collection activity on this alleged account\n     Correct any records related to this account\n     Provide written confirmation that the account is closed or properly validated in compliance with federal law\nAttachments to Upload\nUpload the following:\n     Northstar initial letter dated XXXX\n     Dispute and validation request dated XXXXn     USPS certified mail receipts and delivery confirmations\n     Follow-up notice dated XXXX\n     Northstar settlement letter dated XXXXn     FDCPA violation notice dated XXXX\n     Northstar correspondence dated 1XXXX

Company response to consumer: Closed with explanation