Premium Asset Services LLC

October 29, Revdex.com Aparajita, sans-serif;"> Serving San Diego, Orange & Imperial Counties Viewridge Ave #San Diego, CA 92123-Attention: [redacted] Re: [redacted] ; Complaint ID - [redacted] After receiving your correspondence dated October 19, regarding a complaint your office received from Ms [redacted] we began an internal investigationThe following will describe our findings based off the full examination conducted within Platinum Holdings Group, LLC with regard to Ms [redacted] ’s statement and her account in our office On September 1, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] ’s American Web Loan account ending #***, which she opened on September 4, and had charged off only two months later on November 4, Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms [redacted] regarding her outstanding account Balance on September 2, Additionally, a First Notice/Validation letter was mailed to Ms [redacted] ’s last known address in Altomonte Springs, Florida which fully described her account Our representatives first attempted to communicate with Ms [redacted] at the telephone numbers associated with her account; however they could only leave messagesTherefore, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were also left with third-parties in hopes Ms [redacted] would receive our messagesFinally on October 6, our agents received a returned call from Ms [redacted] Ms [redacted] then requested we send he something by mail while showing no interest in settling her debtOur representative attempted to describe Ms [redacted] ’s account information however she showed no concern and the call was terminatedThe last conversation Premium Asset Services, LLC had with Ms [redacted] our agent tried seeking Ms [redacted] ’s attorney’s information as she had claimed to have obtained oneMs [redacted] refused to provide the attorney information and notified our representative she had submitted a complaint to the Revdex.com; the call was endedIn order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms [redacted] ’s account were pulled and reviewedWhile we have discovered some inconsistencies within the complaint written by Ms [redacted] we recognize her request for the Original documents associated with her American Web Loan accountUnfortunately, as a debt purchaser, the standard debt “Verification” is not always readily available, or in some cases, accessible Nevertheless, we have submitted a request to the company from which we purchased Ms [redacted] ’s account, who will subsequently need to request from the prior owner, etc- All of which can a lengthy processAlthough we have formally submitted the request for Verification documentation, which we will forward immediately upon receipt; kindly note, for the reasons stated above we are unable to guarantee the timeframe of receiptNevertheless, we do apologize for any inconvenience our offices may have caused Ms [redacted] and furthermore, in order to provide Ms [redacted] with a resolution, we have removed and closed her American Web Loan account from ALL Active databases within our offices to prevent further contactMs [redacted] is welcome to contact me, [redacted] La [redacted] , via e-mail at [redacted] @platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns With Regard, [redacted] La [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group, LLC Company [redacted] @platinumholdingsllc.com Phone: (714) [redacted]

text ! background- background-origin: initial; background- After receiving your correspondence regarding a complaint your office received from Ms [redacted] we began an internal investigationThe following will describe our findings based off the full investigation conducted within Platinum Holdings Group, LLC with regard to Ms [redacted] ’s statement and her account in our office On November 6, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] ’s HSBC account ending #***, which she opened on April 4, and paid until July 22, with an outstanding principal balance of $1, Consequently, our agents with Premium Receivables, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms [redacted] regarding her outstanding account Balance beginning December 3, Many attempts were taken over the course of three months however only messages could be left including with third parties, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, in hopes Ms [redacted] would receive notification of our efforts to reach herAt no time were our representatives able to knowingly speak to Ms [redacted] In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms [redacted] account were pulledAlthough Ms [redacted] expresses her concern with our calls to her family, Premium Receivables, LLC was simply trying to reach our consumer and not once was able to communicate with herNevertheless, we apologize for any inconvenience we may have causedAdditionally our offices would like to apologize for our lack of a timely response; our receipt of Ms [redacted] ’s complaint was received rather delinquentlyOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney GeneralTo further resolve Ms [redacted] ’s complaint, we have removed and closed her HSBC account from ALL Active databases to prevent further contactMs [redacted] is welcome to contact me personally by telephone at [redacted] or via e-mail at [email protected] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns With Regard, [redacted] Compliance Officer Premium Receivables, LLC A Platinum Holdings Group, LLC Company [email protected] Phone: [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Revdex.com Serving San Diego, Orange & Imperial CountiesViewridge Ave #200San Diego, CA 92123-1688Attention: [redacted] Re: [redacted] We are in receipt of the submission of Ms [redacted] ’s complaint Immediately upon receipt of the complaint, a thorough internal investigation regarding this account was launched and a Consumer Resolution Letter was mailed to Ms [redacted] ’s home addressAlthough I have not received a response, I have reviewed both the details of Ms [redacted] ’s complaint and thoroughly analyzed all matters surrounding the account we have here in our office According to my investigation, it appears as though Ms [redacted] ’s allegations are without merit, and below is a summary analysis of our internal audit.Premium Receivables, LLC, a debt buyer based in California, was sold Ms [redacted] ’s HSBC’s Best Buy Internet Account ending in #on November 6, Pursuant to U.SCODE § 1692G – VALIDATION OF DEBT, the First Notice/Validation letter, which provides all of the aforementioned Original Creditor and account information, was mailed to Ms [redacted] ’s home address in Miami, FL; No Returned Mail was noted on the account Our agents attempted to reach Ms [redacted] by telephone calling the numbers associated with her HSBC Best Buy account Although approximately a half dozen attempts were made over the course of weeks, MsHarris never returned a call Therefore, pursuant to Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were left with other third-parties in hopes Ms [redacted] would return our call Section of the FDCPA Acquisition of Location Information identifies and encompasses calls to employers While we never spoke with Ms [redacted] directly, we had attempted to reach her at her place of employment At no time were we advised that the consumer’s employer prohibited such calls, nor did we ever represent ourselves as Process Servers In order to substantiate these facts stated above, our internal monitoring and recording system was researched and all calls referencing Ms [redacted] ’s account were pulled and reviewedWhile we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA Nevertheless, we do apologize for any inconvenience caused and in an effort to provide Ms [redacted] with a resolution to this complaint; we have closed her account in our office While her balance will remain as UNPAID, she will no longer receive calls regarding her HSBC Best Buy account from any company associated with us here at Platinum Holdings Group.Should you have any further questions or concerns, or if I may be of further assistance please feel free to contact me by phone at (714) [redacted] or email at d***@premiumreceivables.com.With Regard, [redacted] M***Chief Compliance OfficerPlatinum Holdings Group, LLC d***@platinumholdingsllc.comPhone: (714) [redacted]

After receiving your correspondence regarding a complaint your office received from Ms [redacted] we began an internal investigationThe following will describe our findings based off the full investigation conducted within Platinum Holdings Group, LLC with regard to Ms [redacted] ’s statement and her account in our office On August 13, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] ’s US Bank account ending #***, which she opened on May 28, and utilized until February 9, Consequently, our agents with Premium Asset Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms [redacted] regarding her outstanding account Balance beginning October 7, Our agents first attempted to communicate with Ms [redacted] at the telephone numbers associated with her US Bank account however were unsuccessful as each call resulted in leaving messages on voicemails Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms [redacted] ’s employer prohibited calls, attempted to reach her at her place of employmentIn order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms [redacted] ’s account were pulledWhile we have discovered some inconsistencies between the allegations in the complaint written by Ms [redacted] and our internal records, we sincerely apologize for any inconvenience we may have causedWe absolutely do not condone treatment in the manner that Ms [redacted] described and continuously take necessary measures to prevent such occurrencesOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney GeneralIn order to provide Ms [redacted] with a resolution, we have removed her account from ALL Active databasesFurthermore we would like to apologize for our delinquent responseUnfortunately, our offices were unaware of this complaint when it was originally submitted by Ms [redacted] Should any additional questions, comments or concerns arise Ms [redacted] is welcome to contact me personally by telephone at (714) 316-or via e-mail at [email protected] With Regard, [redacted] Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company [redacted] Phone: [redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave #San Diego, CA 92123-Attention: [redacted] Re: [redacted] ; Complaint ID- [redacted] We are in receipt of your letter dated May 19, regarding a complaint submitted by our consumer, Mr [redacted] , to your office I have investigated the matter internally and carefully reviewed the allegations made by Mr [redacted] in his complaint with regard to his accountBased on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are based off misconception On March 9, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Mr [redacted] ’s [redacted] account ending in #***, which he opened on December 18, and paid on until September 5, As we do with all new accounts, Pursuant to U.SCode § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr [redacted] ’s last known address in Spring Valley, California Subsequently, our representatives made attempts to contact Mr [redacted] beginning in April, in an effort to resolve his outstanding balanceA representative was initially able to speak to Mr [redacted] on April 24, Mr [redacted] explained his current struggling situation and therefore our agent offered him the option to make paymentsMr [redacted] was unable to decide how he could handle his debt right away and our representative encouraged Mr [redacted] to analyze his finances over the weekend and advised they discuss further options the following weekOur agent tried to reach Mr [redacted] again by leaving messages however each attempt continued to be unsuccessful Consequently, Mr [redacted] ’s [redacted] account was referred to [redacted] and the Law Offices of [redacted] to be handled from a legal perspectivePursuant to California’s Statute of Limitation laws Premium Receivables had a limited time frame in which to refer Mr [redacted] ’s account thus after exhausting all efforts we proceeded accordinglyAfter researching our company, Mr [redacted] concluded Mr [redacted] is merely a collector at Premium Receivables; however his assumption’s was made without meritWhile it is true Premium Receivables work hand – in - hand with Mr [redacted] and Mr [redacted] when pursuing such accounts Mr [redacted] was not misrepresenting himself when claiming his association with Mr [redacted] While we understand the concept of harassment is subjective, our agency has conducted themselves professionally and within the guidelines of the FDCPANonetheless, we take all complaints seriously here at Premium Receivables and we do apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Mrand Mrs [redacted] In an attempt to resolve this matter amicably, we would like to reiterate that Premium Receivables previously removed Mr [redacted] ’s [redacted] account from our collection floorShould you or Mr [redacted] have any further questions or concerns, or if we may be of further assistance, please feel free to contact [redacted] M [redacted] at (714) [redacted] or by email at d***@platinumholdings.com With Regard, [redacted] Compliance Officer Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted] @premiumassetsvs.com [redacted]

class="qowt-font4-Aparajita" Aparajita ! After receiving your notification regarding a complaint your office received from Mr [redacted] we began an internal investigationThe following will describe our findings based off the full investigation conducted within [redacted] ***, LLC with regard to Mr [redacted] ’s statement and his account in our officeTherefore, the following will summarize the context of my internal analysisOn October 2, 2014, [redacted] LLC, a debt buyer based in California, purchased Mr [redacted] ’s [redacted] account ending #***, which he opened on December 22, 2004, only made a single payment on January 28, 2005, and charged off with an outstanding principal balance of $1, Consequently, our agents with Premium Asset Services, LLC, a [redacted] LLC Company, began efforts to contact Mr [redacted] regarding his outstanding debt beginning December 23, A few days later on December 28, Mr [redacted] called in to our offices and spoke to our agentMr [redacted] admittedly recognized his outstanding [redacted] account and after discussing the details of the account our representative offered him various settlement optionsOur agent then proceeded to advise Mr [redacted] to speak to his wife, weigh his options and contact our firm backNo further contact was made by either party until April 29, Lastly two final attempts to reach Mr [redacted] were made in May, however still only messages were leftAll efforts to communicate ended and it was not until November, that our offices became aware of this complaint at which point Mr [redacted] ’s account was closed and placed under investigation In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Mr [redacted] ’s account were pulledIt has been made evident that Mr [redacted] ’s allegations were exaggerated at best, nevertheless, we apologize for any inconvenience we may have causedAdditionally our offices would like to apologize for our lack of a timely response; our receipt of Mr [redacted] ’s complaint was received at a much later date than it was filedOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney GeneralTo further resolve Mr [redacted] ’s complaint, we would like to reiterate that his [redacted] account has been removed and closed from ALL Active databases to prevent further contactMr [redacted] is welcome to contact me personally by telephone at (714) 316-or via e-mail at [redacted] @platinumholdingsllc.com should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns [redacted] Compliance Officer Premium Asset Services, LLC A [redacted] LLC Company [redacted] @platinumholdingsllc.com Phone: (714) 316-

class="qowt-font4-Aparajita" Aparajita ! Upon arrival of your notification regarding a complaint your office received from Mr. [redacted] , our firm identified the account and made sure Mr. [redacted] ’s phone number had been removed. Additionally a formal internal investigation into the matter was launched; below is a detailed report summarizing the results of my internal inquiry. Our firm, Platinum Holdings Group, LLC, a debt buyer based in California assigned our consumer’s account to Premium Asset Services, LLC in June, 2014. Premium Asset Services, LLC then began attempting to reach our consumer, Mr. Greggory [redacted] , regarding a personal business matter. Our agents made a handful of phone calls to the numbers associated to our consumer’s account and one of the numbers listed as a reference led to Mr. [redacted] . While we understand Mr. [redacted] ’s frustration, we were simply trying to reach our consumer. Once notified that our agents were contacting an incorrect phone number Mr. [redacted] ’s number was in fact removed from our system. While we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we sincerly apologize for any inconvenience we may have caused to him. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General. Lastly we would like to apologize for the delayed response as an error must have occurred somewhere within our offices and Mr. [redacted] ’s complaint was never properly received when initially sent to us. In order to provide Mr. [redacted] with a resolution, we would like to reiterate our immediate action of removing his number from our active database to prevent further contact. Mr. [redacted] is welcome to contact me personally should he have any additional questions, comments or concerns. [redacted] [redacted] Compliance Officer Premium Asset Services, LLC [redacted] @platinumholdingsllc.com Phone: (714) 316-2740

src="data:image/png;base64,/9j/4AAQSkZJRgABAQEAYABgAAD/2wBDAAoHBwgHBgoICAgLCgoLD...⇄ v:shapes="_x0000_i1025" /> June 24, RevDex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave # San Diego, CA92123- Attention: [redacted] Re: Complaint ID: [redacted] Upon receipt of the above reference complaint it was noted the consumer states his/her name is [redacted] ***, providing [redacted] *** as their contact address The address of [redacted] *** just so happens to be our business address Albeit our policy to resolve all consumer complaints to the best of our ability, the information contained in this complaint has severely limited our ability to do so Furthermore, the consumer’s “desire resolution” is in no way a form of resolution Rather it appears to be merely a fabricated, baseless and slanderous statement all of which are without merit If this is a legitimate complaint and the consumer would truly like assistance in resolving this issue, I respectfully request they provide me their true name and the telephone number where they have received any calls At that point and that point only will I be able to assist them by accessing an account and confirm their number has been removed from our database If you have any further questions or concerns, or if we may be of further assistance, please feel free to contact me directly at ( [redacted] or by email at [redacted] With Regard, [redacted] Chief Compliance Officer Premium Receivables, LLC DMR/tlt

Re: [redacted] ; Complaint ID- [redacted] We are in receipt of your letter dated September 9, regarding a complaint your office received Ms [redacted] Unfortunately I never received the original complaint however I have reviewed Ms [redacted] ’s statement from another complaint submitted to the CFPB, and conducted a thorough internal investigation regarding her account in our office.While I have reached out to Ms [redacted] , sending her a Consumer Complaint Resolution Letter offering our assistance in aiding to resolve her complaint; to date I have not received a replyTherefore, the following will summarize the context of my internal investigation On July 24, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] ’s American Web Loan account ending # [redacted] which she opened on July 14, and paid on a mere two months with a final payment recorded on September 16, Platinum Holdings Group, LLC subsequently assigned Ms [redacted] ’s account to our agents with Premium Asset Services, LLC whom began efforts to contact her regarding her outstanding American Web Loan account BalancePremium Asset Services, LLC consequently mailed out a First Notice/Validation letter to her last known address in [redacted] Louisiana which detailed Ms [redacted] ’s said accountOur representatives began efforts to communicate with Ms [redacted] at the telephone numbers associated with her American Web Loan account which included leaving messages at her place of employment and with third parties simply to relay a message to our consumer Ms [redacted] in hopes we could speak to her directlyLater, the same day, on August 6, Premium Asset Services, LLC found themselves in receipt of a return phone call from Ms [redacted] After verifying whom they were speaking to by confirming the necessary personal information and reciting the [redacted] one of the directors from Premium Asset Services, LLC began explaining the details of Ms [redacted] ’s account and the reason for our callsMs [redacted] initially seemed aware of the outstanding debt and inquired about her optionsDevoid of interest in settling her outstanding debt Ms [redacted] began expressing her frustration with regard to our attempts to reach her through her ex-mother-in-law and place of businessMs [redacted] then began requesting formal verification of her debt while expressing a lack of cooperation with our agentAfter a continuance of miscommunication and an evident foreshadowing of Ms [redacted] ’s efforts to avoid paying her bill the call was ended and no other communications occurred In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms [redacted] ’s account were pulled and reviewedPursuant to those recordings, at no time did our agents at Premium Asset Services, LLC ever threaten Ms [redacted] as described or alleged in this complaintWhile we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA.Nevertheless in order to provide Ms [redacted] with a resolution, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contactMs [redacted] is welcome to contact me, [redacted] , via e-mail at [redacted] @platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve his outstanding obligation or if have any additional questions, comments or concerns

Dear [redacted] : We are in receipt of your correspondence dated March 18.2014, regarding a rebuttal to our response to Mr [redacted] ***Mr***'s still alleges that Premium Asset Services, LLC performed an unauthorized inqury on his credit report is falsePursuant to our Rights under the FCRA, os the LEGAL TITLE BEARING OWNER of Mr***'s Orchard Bank Account ending [redacted] we are well within our Rights to legally run his report as a collection inquiryFurthermore, our company has performed our Due Diligence by mailng Mr***'s fist Notice/Validation letter to his address on 2nd Street In Los Angeles, California back in August which advised him of our Collection attemptsMr [redacted] has failed to either Dispute or Request Validation within the day Validation periodWe wanted to provide Mr [redacted] with a resolution because our credit bureau inquiry was well within the scope of the low I am unable to remove it from his credit reportHowever as we mentioned in our previous response, Mr***'s account has been closed In our officeMr [redacted] Is welcome to contact the Chief Compliance Officer personally at by phone at [redacted] or by email at [redacted] If he has any additional questions comments or concerns With Regards,

Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave #San Diego, CA 92123-Attention: [redacted] Re: [redacted] ***; Complaint ID- [redacted] We are in receipt of your notification dated May 21, regarding a complaint your office received from Ms [redacted] ***I have reviewed Ms***’s statement, and our company is still in the process of conducting a thorough internal investigation regarding her account in our officeTherefore, the following will summarize the context of my internal investigation to date On March 9, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Ms***’s J [redacted] account ending #***, which she opened on November 18, and paid on until March 6, Pursuant to U.SCode § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms***’s home address in Wyandotte, Michigan which details all of the aforementioned Original Creditor and account information Operating under the assumption our written communication was received by Ms***; Premium Receivables began efforts to contact Ms [redacted] regarding her outstanding debt at the telephone numbers associated with her J [redacted] accountThis however was in initially ineffective therefore, pursuant to Section 803(7) and 805(a) (3), without having knowledge that Ms***’s employer prohibited calls, our agent began attempting to reach her at her place of employmentAlthough Ms [redacted] was no longer employed at the company it happened to be family owned and operated thus Premium Receivables was able to reach to Ms***Coincidently, Ms [redacted] happened to be on site and able to speak with our agentUnfortunately no settlement agreement could be reached and eventually we were in receipt of Ms***’s complaint In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms***’s account were pulled and reviewedWe take all complaints seriously here at Premium Receivables, LLC and we have and do apologize for any misconduct by our representatives and for any inconvenience we have caused Ms***Ms [redacted] our Vice President of Compliance has contacted Ms [redacted] and the two are currently working together in an effort to resolve not only Ms***’s complaint but her outstanding account as well In an attempt to resolve this matter amicably, we have removed Ms***’s J [redacted] account from our collection floorMs***’s account will however remain “UNPAID”, therefore should she desire to resolve her outstanding obligation or if any additional questions, comments or concerns should arise the BB [redacted] and or Ms [redacted] should feel free to please contact [redacted] M [redacted] at (714) [redacted] or by email at d***@platinumholdings.comWe thank you for your time and bringing this matter to our attention providing us the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well With Regard, [redacted] Compliance Officer Premium Receivables, LLC Platinum Holdings Group, LLC [redacted] @platinumholdingsllc.com Phone: (714) [redacted]

Re: [redacted] ; Complaint ID- [redacted] We are in receipt of your correspondence regarding a complaint submitted by our consumer, Mr [redacted] , to your office I have investigated the matter internally and carefully reviewed the allegations made by Mr [redacted] in his complaint with regard to his accountBased on the results of my thoroughly reviewed audit I have found the following On July 1, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Mr [redacted] ’s Fifth Third Bank account ending in #***, which he opened on July 1, and utilized until it was charged-off on July 31, Mr [redacted] ’s account was then assigned to Premium Asset Services, LLC and as we do with all new accounts, Pursuant to U.SCode § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr [redacted] ’s last known address in Niles, Illinois Our agents began leaving messages as early as July 6, in an effort to speak with Mr [redacted] Finally on July 16, the first verbal communication occurred between Premium Asset Services, LLC and Mr [redacted] in which he requested we send him a settlement letter in which he can make payments to settle his accountAs per Mr [redacted] ’s request Premium Asset Services, LLC sent Mr [redacted] a settlement letter and once in receipt of the letter he claimed he would send a payment by mailOn August 3, Mr [redacted] spoke to our agent and stated he was sending his first payment however three weeks passed and still no payment had arrived therefore our representative attempted reaching Mr [redacted] againNot until September 15, did further communication occur between Mr [redacted] and our agent however only miscommunication occurred and Mr [redacted] ’s account was removed from our collection floor We understand that there are always two sides to every story therefore we do apologize for any alleged misconduct by our representativesAlthough we have discovered some inconsistencies between the allegations in the complaint written by Mr [redacted] and our internal records, we do apologize for any inconvenience our offices may have causedFurthermore, after reviewing Mr [redacted] ’s complaint I took notice that he still showed interest in settling his debt and therefore I have mailed out one more settlement letter to Mr [redacted] ’s address with intentions of further resolving not only his complaint but his Fifth Third Bank account I thank you for your time and bringing this matter to my attention providing me the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as wellIf you have any further questions or concerns, or if we may be of further assistance, please feel free to contact me at (714) [redacted] or by email at [redacted] @platinumholdings.comWith Regard, [redacted]

This company has been harassing me for months and is now calling my employer which is grounds for terminationThis company called my job and asked for my manager called back and asked to speak with Human resourcesThey call and say they are trying to serve you like you are being suedThis is against the law!! Extremely rude staff asked to speak with the "Director" same rude behaviorI already contacted my lawyer about this companyPlease do something about it

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Thank You so much for your help in this matter.Just wanted it to be known that none of my allegations were false. As of this date, I have never received any documentation from Premium Receivables. Regards, [redacted] Jr.

RevDex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted] Re: [redacted] ***; Complaint ID- [redacted] We are in receipt of your letter dated May 13, 2015 regarding a complaint submitted by our consumer,... Mr. [redacted] ***, to your office. I have investigated the matter internally and carefully reviewed the allegations made by Mr. [redacted] in his complaint with regard to his account. Based on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are baseless and without merit. On April 15, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Mr. ***’s HSBC MasterCard account ending in #2719, which he opened on November 17, 2002 and paid on until May 7, 2012. As we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr. ***’s last known address in Carleton, Michigan. Subsequently, our representatives made attempts to contact Mr. [redacted] on May 4, 2015 in an effort to resolve his outstanding balance however were unsuccessful. Fortunately, one of our representative’s was able to speak with Mr. [redacted] on May 7, 2015 and once verifying he was in fact speaking to the correct person our agent began explaining the details of Mr. ***’s outstanding HSBC debt to him. Mr. [redacted] then claimed he believed he had already paid the balance of his account. Our agent then clarified as per Mr. ***’s credit report he had in fact paid off a few accounts but this HSBC MasterCard was not one of them. Thus Mr. [redacted] requested a letter from our company detailing his outstanding debt. Our agent asked Mr. [redacted] for his e-mail address in order to send the necessary information and documented Mr. ***’s updated contact information in our system. The call was ended and a letter was forwarded to Mr. ***. As our representative had previously agreed to do with Mr. [redacted] he began efforts to contact him again with regards to the settlement letter Premium Receivables had e-mailed. Regrettably, our representative struggled to reach Mr. [redacted] again therefore, pursuant to Section 804 of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location Information, Premium Receivables attempted to contact third parties, as identified in the FDCPA as an effort to communicate with our consumer. Finally, Mr. [redacted] returned the calls of Premium Receivables once more on May 15, 2015 and again claimed he had previously paid off his account. Therefore our agent kindly requested proof of payment in order to close out Mr. ***’s account in our office. Mr. [redacted] explained he had already contacted HSBC and was currently awaiting the proper information to forward to our company. Our agent apologized for the inconvenience and expressed our gratitude for Mr. ***’s effort to submit the proper documentation to Premium Receivables. He asked for an approximate time line as to when the information should be received and explained we would contact him at a later date. The following business day May 18, 2015 we were in receipt of Mr. ***’s complaint and removed his account from our collection floor. Not once did Premium Receivables use deceitful techniques as described by Mr. [redacted] in his complaint. Furthermore, our agents did in fact attempt reaching Mr. [redacted] through third parties but only one conversation occurred with each of the named third parties in Mr. ***’s complaint. While we understand the concept of harassment is subjective, our agency has conducted themselves professionally and within the guidelines of the FDCPA. Nonetheless, we take all complaints seriously here at Premium Receivables and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Mr. ***. In an attempt to resolve this matter amicably, we have removed Mr. ***’s HSBC account from our collection floor. I thank you for your time and bringing this matter to my attention providing me the opportunity to not only address the concerns of the BBB, but the consumer’s as well. If you have any further questions or concerns, or if we may be of further assistance, please feel free to contact [redacted] M. [redacted] at (714) [redacted] or by email at [redacted] @platinumholdings.com With Regard, [redacted] Compliance OfficerPremium Receivables, LLCA Platinum Holdings Group LLC Company [redacted] @premiumassetsvs.com [redacted]

class="qowt-font4-Aparajita" Upon arrival of your notification regarding a complaint your office received from Mr [redacted] , our firm identified the account and assured it had been removed from Open CollectionsWe are unclear as to why a response was never provided and once our office received notice of this complaint for the second time, becoming aware of its outstanding status, we began our investigation therefore these are the results of my investigation Platinum Holdings Group LLC, a California based debt buyer, purchased Mr [redacted] ’s [redacted] account ending in [redacted] and upon purchase we placed it with our internal collection division, Premium Receivables, LLC to recover the debtPremium Receivables, LLC, began efforts to contact Mr [redacted] regarding his outstanding Balance on November 12, Once our agents were first able to communicate with Mr [redacted] he was offered various settlement options however no agreement was decided uponWhile discussing Mr [redacted] ’s account for the second time he expressed his inability and disinterest in resolving his debt due to his current financial situationA couple more attempts to reach Mr [redacted] were made however only miscommunication occurred and once in receipt of this complaint his account was removed from our collection floor on December 4, While we have discovered some inconsistencies between the allegations in the complaint written by Mr [redacted] and our internal records, we sincerely apologize for any inconvenience we may have causedWe would also like to apologize for the delinquent response as well as thank Mr [redacted] for bringing this matter to our attention as it is our company’s goal to always provide effective service to our consumers while reaching resolution for both parties Again we would like to express our regret for any alleged misconduct by our representativesOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General In order to provide Mr [redacted] with a resolution, we have previously removed and closed his [redacted] account from ALL Active databases within our offices to prevent further contactMr [redacted] is welcome to contact me personally via e-mail at [redacted] @platinumholdingsllc.com or by telephone at (714) 316-should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns With Regard, [redacted] Compliance Officer Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted] @platinumholdingsllc.com Phone: (714) 316-

Revdex.com: There have been no further attempts to call me at my work, which is what I was asking for There was unprofessionalism used by the business but there is no point in arguing about it any further since Premium Receivables has agreed not to call me any further and closed the account I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.*** was aware of the conversation in her office as she took the phone call from me when I called to explain what happened and her behavior was no betterSo my opinion training classes need to start from the top and work down and NO I will not be doing any transactions with this company and I do not believe any remedy of behavior has been correctedI can believe from my personal educate expierence that this behavior is regularly practiced and this was not a first or last time this company will act in this matterI just feel because I knew my rights is why the one call to my boss only was made and the laws in which OUR government has set in place WAS VIOLATED and confidentilality was compromised
]
Regards,
*** ***

The first day this company contacted me, they called me several times back to back while I was at workWith in an hour I recieve a call from three family members that they recieved a call from the company who was looking to contact meI've never heard of them, and they are not on my credit report as the company owning the debt they claim to ownThey refused to send me proof, they claim double the amount of money last reported that I owed (which I have already disputed as innaccurate to begin) then to make matters worse they mail me a general "this is an attempt to collect a debt letter" in Spanish, and I'm a Black Los Angeles Native