Premium Asset Services LLC

We are in receipt of your letter dated April 18, regarding a complaint your office
received from Mr*** ***I have reviewed Mr*** statement, and conducted a
thorough internal investigation regarding his
account in our officePremium Receivables, LLC, a debt buyer based in California, purchased Mr***
HSBC account ending #on December 4, 2013, which he made payments on until August
Our initial contact with Mr*** was on January 13, 2014, he advised our representative
that before he can make any arrangements he needs to speak with his wifeOn March 13,
Mr*** called in and told our representative that he ls disputing the charges duet to his card
being stolen and he should have an answer by the following weekOur representative took
another call from Mr*** a few hours later, he stated that he sent a letter requesting
validation and it was accepted and signed by someone name ***We're unsure who that
person is and that explains why we never received such documentMr*** requested thatwe cease calls to his place of employment, our representative removed the number and no
further calls were madeWith regard to Mr***'s claim he was never provided with written verifiication of
debt, as previously stated, our First Notice was mailed December 14, Albeit very common,
most consumers do not realized that once a debt is charged-off and "SOLD''.It can be purchased
and sold several times over a 2-year periodAs a debt buyer, PREMIUM RECIVABLES purchases
large portfoliosfrom other debt-buyers not from the CREDITOR directly and at times, there are
delays with our receipt of such documentation commonly referred to as "MEDIA"That being said,
pursuant to FDCPA Section 809a guidelineswe are not restricted by any specific time frame to
provide "VALIDATION" to a consumerAlong with this response, as requestedI have attached
validation that we purchased Mr*** HCBC account and additional documentation is
forthcomingLast, we would lie to provide Mr*** with a resolution for this matter, so we are
closing the above reference account in our officeMr*** will no longer receive phone calls
from our officeIf you have any further questions or concerns, please contact *** *** ** *** ***
***
Thank you,
*** ** ***
Chief Compliance Officer
Premium Receivables, LLC
A Platinum Holding Group, LLC Company

Upon arrival of your notification regarding a complaint your office received from Mr*** ***, our firm identified the account, assured it had been removed from Open Collections and a thorough internal examination regarding this account was conducted therefore these are the results of
my investigation.Platinum Holdings Group LLC, a California based debt buyer, purchased Mr***’ HSBC Orchard Bank account ending in and upon purchase we placed it with our internal collection division, Premium Asset Services, LLC to recover the debtPremium Asset Services, LLC, only communicated with Mr*** on December 1, which in fact was the first day attempts were made to speak with our consumerWhile conducting the verification process Mr*** exhibited frustration as he admitted his name was *** *** but denied being the correct party and only miscommunication occurredUnfortunately our offices did not receive Mr***’ Revdex.com Complaint until the following year however the once the initial ineffective contact was made between he and our offices his account was removed from our collection floor immediately and no further contact was made
Although some inconsistencies have been uncovered between the allegations in the complaint written by Mr*** 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*** 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 GeneralIn order to provide Mr*** with a resolution, we have previously removed and closed his Jared Jewelers account from ALL Active databases within our offices to prevent further contactMr*** is welcome to contact me personally via e-mail at [email protected] or by telephone at (714) 316-should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns With Regard, Stephanie LaFortuneCompliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company [email protected]: (714) 316-

Revdex.com
Serving San Diego, Orange & Imperial Counties
Viewridge Ave #
San Diego, CA 92123-
Aitentton: *** ***
Re; *** ***
July 25,
We are in receipt of your letter dated July 17,
regarding a complaint submitted to
your office by a Ms*** ***, I have reviewed the details of the complaint and thoroughly
investigated the account associated with Ms***'s telephone numbers
Our company, Premium Receivables, attempted to contact Ms*** regarding her
HSBC HOUSEHOLD account ending in #*** which she opened January 12,Pursuant to
FDCPA Section 809a guidelines, we mailed his First Notice/Validation letter to the address we hove
on file in Willoughby Hill, OHWe never received communication from Ms*** requesting
ValidationDisputing this matter, nor hod we received a Mail Returned Notice
According to our records, on July 15, 2014, our representative spoke with Ms***She
claimed that she received letters regarding this but was unaware of what it was regarding being
that she never opened the above referenced accountShe made it clear that she didn't want to
discuss or help resolve the matter with regard to her outstanding balance with HSBC HOUSEHOLD
She advised our representative that she needed to speak with her attorney and would get back
with usFollowing the July 15, phone call no further attempts we're made and we never heard
back from Ms***
While in no way do we condone our representatives to handle a matter in the manner
described, it appears as though Ms*** allegations are or at best, exaggeratedAll
recordings pertaining to this account were pulled and reviewed and at no point did our
representative state "I don't know If your kids are playing with your phone" nor did he state ''you
better call me back In the next half hour or else" Said recordings are available should the Revdex.com or
Mr*** would like to review and/or validate
That being said, we apologize for any inconvenience we have caused Ms*** and
while their HSBC HOUSEHOLD account will remain with an outstanding balance still due, I hove
closed this matter internally so no further contact from our company will be receivedThusly, a
written communication indicating our action was also sent to Ms***
If you have any further questions or concerns, or if I may be of further assistance please feel free to contact *** M*** at (714)-845-
With Regards,
*** ** ***
Cheif Compliance Officer

October 29, Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave #San Diego, CA 92123-Attention: *** *** Re: *** ***; Complaint ID - *** After receiving your correspondence dated October 19, regarding a complaint your
office received from Ms*** *** 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***’s statement and her account in our office. On September 1, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms***’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*** regarding her outstanding account Balance on September 2, Additionally, a First Notice/Validation letter was mailed to Ms***’s last known address in Altomonte Springs, Florida which fully described her account. Our representatives first attempted to communicate with Ms*** 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*** would receive our messagesFinally on October 6, our agents received a returned call from Ms***Ms*** then requested we send he something by mail while showing no interest in settling her debtOur representative attempted to describe Ms***’s account information however she showed no concern and the call was terminatedThe last conversation Premium Asset Services, LLC had with Ms*** our agent tried seeking Ms***’s attorney’s information as she had claimed to have obtained oneMs*** 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***’s account were pulled and reviewedWhile we have discovered some inconsistencies within the complaint written by Ms*** 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***’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*** and furthermore, in order to provide Ms*** with a resolution, we have removed and closed her American Web Loan account from ALL Active databases within our offices to prevent further contactMs*** is welcome to contact me, *** La ***, via e-mail at ***@platinumholdingsllc.com or by telephone at (714) *** should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns With Regard, *** La *** Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group, LLC Company ***@platinumholdingsllc.com Phone: (714) ***

Re: *** C ***; Complaint ID - ***After receiving your correspondence dated October 8, regarding a complaint your office received from Ms*** *** formally known as *** *** we began an internal investigationThe following will describe our findings based off the full
examination conducted within Platinum Holdings Group with regard to Ms***’ statement and her account in our office On August 31, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms***’ HSBC *** *** account ending #***, which she opened on August 25, and paid on until it was charged off on April 30, 2009. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms*** regarding her outstanding HSBC account Balance on September 2, Additionally, a First Notice/Validation letter was mailed to Ms***’ last known address in Louisburg, Kansas which fully described her account Our representatives first attempted to communicate with Ms***’ at the telephone numbers associated with her account however 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*** would receive our messagesFinally on September 23, our agents were able to reach Ms*** on the phone however she claimed she did not have a *** *** account and especially not for the current balance we had on recordMs. *** then requested we send he something by mail while showing no interest in settling her debtOur representative offered Ms*** any and all information regarding her account as she asked but after exhausting all efforts the call was ended with no resolutionPremium Asset Services never spoke with Ms*** again.In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms***’ account were pulled and reviewedWhile we have discovered some inconsistencies between the allegations in the complaint written by Ms*** and our internal records, we do apologize for any inconvenience our offices may have caused Furthermore, in order to provide Ms*** with a resolution, we have removed and closed her HSBC account from ALL Active databases to prevent further contactMs*** is welcome to contact me, *** La ***, via e-mail at ***@platinumholdingsllc.com or by telephone at (714) *** should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns With Regard,*** La ***Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company ***@platinumholdingsllc.comPhone: (714) ***

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 their representatives were threatened legal action and incarcerationCall and harassof the offer I reviewed appear below
Regards,
*** ***

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
They state that I was just sending payments, however, if you will look at the attached letter from Premium Assets to me dated 9/3/2015, they requested $1,135.90. I was called incessantly and harassed and threatened with garnishments. If the account was $617., why was I charged $1,135.90? I have made $in payments so far, which I believe that I am owed a refund in the amount of $by Premium Assets immediately. Also, they stated that they provided a letter to give to this other company claiming ownership to this debt, I would like a copy in order to send to this other company
Regards,
*** ***

class="qowt-font4-Aparajita" "display: inline; white-space: pre-wrap">After receiving your correspondence regarding a complaint your office received from MsSimitria *** 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*** statement and her account in our office
On October 2, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms*** *** *** account ending #7003, which she opened on October 13, and paid only a few months until February 9, Consequently, our agents with Premium Asset Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms*** regarding her outstanding account Balance beginning November 17, Seven days of attempts were made between November 17, and December 3, 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*** would receive notification of our efforts to reach herAt no time were our representatives able to knowingly speak to Ms***Furthermore due to a lack of notification regarding Ms*** complaint for reasons unknown our attempts to reach her continued until we received a Cease and Desist letter on December 8, No further contact was made and Ms*** account was immediately removed from our collection floor
In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms*** account were pulledAlthough our offices were simply trying to communicate with our consumer, we apologize for any inconvenience we may have causedAdditionally our offices would like to apologize for our lack of a timely response as our receipt of Ms*** 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*** complaint, we have removed and closed her *** *** account from ALL Active databases and Ms*** is welcome to contact me personally by telephone at (714) 316-or via e-mail at ***@platinumholdingsllc.com should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns
With Regard,
*** ** ***
Compliance Officer

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

class="qowt-font4-Aparajita" "display: inline; white-space: pre-wrap">Upon arrival of your notification regarding a complaint your office received from Mr*** ***, 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 outstanding complaint, we began our investigation therefore these are the results of my investigationPlatinum Holdings Group LLC, a California based debt buyer, acquired Mr***’s US Bank account ending in on April 15, 2014; upon purchase we placed his account with our internal collection division, Premium Asset Services, LLC to recover the debtPremium Asset Services, LLC, began efforts to contact Mr*** regarding his outstanding Balance on July 21, After receiving our message Mr*** called in to our office for further information as to why we were reaching out to himUnfortunately few details were discussed and only miscommunication occurred
We sincerely apologize for any inconvenience we may have caused to Mr*** furthermore for the delinquent responseOur firm appreciates Mr*** 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 partiesAs of today the representative’s that spoke to Mr*** are no longer with our company however we constantly conduct compliance training for our staff to prevent such occurrences as described by Mr***
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 GeneralIn order to provide Mr*** with a resolution, we have previously removed and closed his US Bank account from ALL Active databases within our offices to prevent further contactMr*** is welcome to contact me personally should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns
With Regard,
*** ***
Compliance Officer
Premium Asset Services, LLC

We ore In receipt of your letter dated August 13, regarding a complaint your office received
from *** *** *** Upon receipt of *** *** complaint, a thorough internal investigation
surrounding her account here In our office was conductedThe audit Includes
reviewing all records
calls as well as the account details and representatives' notes
Our company, Premium Asset Services,attempted to contact Ms*** regarding her KAY JEWELERS
Account ending In #which she opened October 19,and made payments on until April 1,
Pursuant the the FDCPA Section 809a, our business with him was explained In detail In the First Notice
/Validation Letter sent to the address we hove on file In Wesley Chapel,FL
We truly appreciate *** *** bringing this matter to O\X attention and understanding how ***
*** feels we have conducted ourselves, we would like to sincerely apologize for any alleged,
unintentional misconduct by our account representativesWe do not condone our representatives
to handle calls in the manner described and we are conducting ongoing training on
Proper Telephone Communication with our staffTo further rectify this situation and to ensure no
further calls to *** are made, we have removed all telephones numbers from our database and
CLOSED *** *** KAY JEWELERS account
Our company Is well versed In the FDCPA and other state and local collection regulations end our
representatives are required to obey and adhere to all collection laws governed by the CFPB, the
FTC.and the States' Attorney Generals
If you have any further questions or concerns,or if I may be of further assistance, please feel free
to contact me by phone at *** *** or by email at ***
Than you,
*** ** ***
*** *** ***

We are in receipt of your correspondence dated April 30, 2014, regarding a complaint
submitted by Ms*** *** I have reviewed the details of Ms*** complaint and
absolutely, in no way do we condone any
representatives of our company to handle a call in the
manner describedIt appears as though the allegations made by Ms*** are or at best,
exaggeratedPursuant to our internal investigation, at no point during the conversation did our
representative say that "we will show up at her job"We would be more than happy to provide
the recordings to the Revdex.com and to Ms*** for review and more importantly, validationMs*** was contacted regarding her HSBC- Best Buy Co BrandGold-MCG account
ending in ***Our business with Ms*** was explained to her in detail in a letter sent to her
last known address In ***CAOn April 28, 2014, our representative contacted Ms*** at
the telephone number provided with her GM-Standard MasterCard accountDuring that call, Ms
*** advised our representative that [she feels] "this debt was her ex-husbands"; she is currently
going through a divorce; she is trying to sort this matter out with him end that she had nothing to
offer usHoweveras we attempted to advise Ms*** during the call, "a divorce decree does
NOT supersede a legal, binding contract'Ms*** is still liable for the debt
As noted in our investigationour records indicate that prior to the April 28th conversation:
no calls were placed to her jobWe immediately notated Ms*** account in order to prohibit
all further contact at her place of employment and no other contact had been made following
our last conversation with Ms***, on April 28thRegardless we do apologize for any inconvenience caused to Ms***If Ms***
has any further questions or if we may be of any further assistance, please feel free to contact*** *** ** *** *** or by email at ***
With Regards,
*** ***
Chief Compliance Officer

We are in receipt of your letter dated May 19, regarding a complaint submitted to
your office by a Mr***I have reviewed the details of the complaint and thoroughly
investigated the account associated with Mr
***'s telephone numbersI have carefully reviewed Mr***'s complaint and the account referenced in his
statementOur company, Premium Receivables attempted to contact Mr*** regarding his
HSBC BEST BUY Account ending in #*** which he opened June 27, Pursuant to FDCPA
Section 809a guidelines, we mailed his First Nottice/Validation Letter to the address we have on
file in Naples, FLAlthough we made attempts to reach Mr*** by calling the provided contact
numbers, as well pursuant to FDCP A, Acquisition of Location Information guidelines, left
messages with third-partiesAlso noted in Mr ***'s complaint, he stated that he requested to
cease all callsAccording to our records, our representatives were unsuccessful in making direct
contact with Mr***
That being said, we apologize for any inconvenience we have caused Mr*** and
while his HSBC BEST BUY Account will remain with an outstanding balance still due, I haveclosed this matter internally so no further contact from our company will be receivedThusly, a
written communication indicating our action was also sent to Mr. ***
If you have any further questions or concerns, or if I may be of further assistance please feel free
to contact Danielle M*** ** *** *** or via email at ***om
With Regard,
*** ** ***
***
***

Re: *** ***; Complaint ID- ***We are in receipt of your online communication regarding a complaint your office received from Mr*** *** Immediately upon receipt and after reviewing Mr***’s statement, the associated account was identified, and we made sure
Mr***’s phone number had been removed and a formal internal investigation into the matter was launchedBelow is a detailed report summarizing the results of my internal investigation Our firm, Platinum Holdings Group, LLC, a debt buyer based in California assigned our consumer’s account to Premium Asset Services, LLCPremium Asset Services, LLC then began attempting to reach our consumer 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*** ***While we understand Mr***’s frustration, we were simply trying to reach our consumerOnce notified that our agents were contacting an incorrect phone number Mr***’s number was in fact removed from our system. While we have discovered some inconsistencies between the allegations in the complaint written by Mr*** and our internal records, we do apologize for any inconvenience 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.In order to provide Mr*** with a resolution, we would like to reiterate our immediate action of removing his number from our active database to prevent further contactMr*** is welcome to contact our compliance department personally via email at s@platinumholdingllc.com or by phone at (714)*** should he have any additional questions, comments or concerns With Regard,*** ***Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company s@platinumholdingsllc.comPhone: (714) ***

Re: Mr*** ***- #***
We are in receipt of your letter dated May 12,regarding a complaint your
office received from Mr*** ***Upon receipt of Mr***'s complaint, a thorough
/>
internal investigation surrounding his account here in our office was conductedThe
audit includes reviewing all records calls as well as the account details and
representatives' notesAfter carefully reviewing Mr***'s complaint and the results our internal audit, it
appears as though Mr***'s recollection was not accurately depicted in his statement
Our company, Premium Asset Services, attempted to contact Mr*** regarding his KAY
JEWELERS Account ending in #*** which he opened April 1, Pursuant the the
FDCP A Section ***oour business with him was explained in detail in the First
Notice/Validation letter sent to the address we have on file in Williamsburg, VAWe truly appreciate Mr*** bringing this matter to our attention and
understanding how Mr*** feels we have conducted ourselves, we would like to
sincerely apologize for any alleged, unintentional misconduct by our account
representativesWe do not condone our representatives to handle calls in the manner
described and we are conducting ongoing training on Proper Telephone
Communication with our staffTo further rectify this situation and to ensure no further
calls to Mr*** or his parents are made, we have removed all telephones numbers from
our database and closed Mr***'s KAY JEWELWERS accountOur company is well versed in the FDCPA and other state and local collection
regulations and our representatives are required to obey and adhere to all collection
laws governed by the CFPB, the FTC, and the States' Attorney GeneralsIf you have any further questions or concerns, or If I may be of further assistance,
please feel free to contact me by phone at *** *** or by email at
***
Thank you,
*** ** ***
Chief Compliance Officer

I got a call on July 5th for my biological father They obviously researched family members, however they did not care to research further to see he hasn't been in my life since I was 2, never paid child support or that I was adopted by my step father! I called back and got a voicemail letting them know if I got another call I would consider it harrasment and seek damages! We shall see if they continue to call and harass me I am a *** and will file a claim of harrasment I have checked all my reports everywhere and my "sperm donor" has never been listed as a family member! I am beside myself as to how and why I am getting a call over years later for this guy!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 resolvedI want to add that the company hasn't called me since I told them to take me off their call list for a second time and told them that I had reported them to the Revdex.com (the guy was very rude on the phone and told me that the Revdex.com had nothing to do with their office).
Regards,
*** ***

Re: *** *** ***: *** We are in receipt of your letter dat** May 22, regarding a complaint submitt** to
your office by a Mr*** ***I have review** the details of the complaint and
thoroughly
investigat** the account associat** with Mr***'s telephone numbersOur company, Premium Receivables, attempt** to contact Mr*** regarding his
HSBC AMERITECH account ending in #*** which he open** March 15, and remain** active
until September 5, Pursuant to FDCPA Section 809a guidelineswe mailed his First
Notice/Validation Letter to the address we have on file in Garfield Height, OHWe never received
communication from Mr*** requesting Validation, Disputing this matter, nor had we received
a Mail Return** NoticeAccording to our records, on May 19, 2014, our representative received a phone call from
Mrs*** ***She made it clear that she didn 't want to discuss or help resolve the matter
with regard to their outstanding balance with HSBCFollowing the May 19, phone call no
further attempts we're madeWhile in no way do we condone our representatives to handle a matter in the manner
described, it appears as though Mr*** allegations are or at best, exaggerat**All
recordings pertaining to this account were pulled and review** and at no point did our
representative state "YOU'RE A FRIGGIN MN" nor did he state "YOU'RE A PARASITE" Said
recordings are available should the Revdex.com or Mr*** would like to review and/or validateThat being said, we apologize for any inconvenience we have caused Mr& Mrs***
and while their HSBC AMERITECH account will remain with an outstanding balance still due, I have
clos** this matter internally so no further contact from our company will be receivedThusly, a
written communication indicating our action was also sent to Mr***If you have any further questions or concerns, or If I may be of further assistance please
feet free to contact *** M*** at ***
With Regards,
*** M ***
Chief Compliance Officer

Be; *** *** We are in receipt of your letter dated March 11, regarding two complaints
submitted by Mr*** *** to your officeI have investigated the matter internally
and carefully reviewed the
allegations made by Mr*** in his complaintThis response is
intended to address both of Mr***'s complaintsMr*** was contacted in regards to his US Bank account ending in *** that was
closed In and has an outstanding balanceHe was given this information the first
time he spoke with one of our representatives on January 22, Prior to our speaking
with Mr***, we spoke with his employer in order to verity employment which is well
within our rights pursuant to the Acquisition of Location Information section of the FDCPA
Mr*** made payment arrangements with our representatives and upon making these
arrangements, no further contact was made until he failed to honor the promised
paymentsAccording to our records, our representatives were not told to cease calls to
Mr***'s place of employmentIn regards to the allegation that we made several calls to his family members, this
Is an exaggerationOur records only indicate that Mr***'s mother was called only
once and she informed representative that she would pass on a message to call our
office
Mr*** also states in one of his complaints that he was never provided a receipt
Mr*** requested a letter from our office on February 24th, and that letter was sent
to his email that day at 11:am Pacific Standard TimeI am also sending Mr*** the
receipt request and a second letter from our office today, March 17, If Mr***
would like to continue to work out the matter of his outstanding US Bank Account, we
welcome him to contact our Compliance Department directly at *** *** within
days; we would be happy to assist Mr*** in resolving this matter
We do apologize for any alleged misconduct by our representatives and for any
Inconvenience to Mr*** at all
If you have any further questions or concerns, or if we may be of further
assistance, please feel free to contact *** ** *** at (*** *** or by email at***
With Regard,
*** ***
Compliance Officer
Premium Receivables, LLC

Once in receipt of your notice dated April 15, regarding a complaint your office received from Mr*** ***, we began a thorough internal examination regarding his account and these were the results of my investigationOn January 29, 2018, Platinum Holdings Group, LLC, a debt buyer based
in California, purchased Mr*** *** outstanding ** *** Online account ending in # *** which he opened on June 5, Mr*** account was eventually charged off due to delinquency on December 3, with a principal balance of $1,however over time his account accrued interestUpon purchase, our firm subsequently assigned Mr*** account to one of our in-house collection agencies, Premium Asset Services, LLC, whom began efforts to reach Mr*** regarding his unpaid debt on February 20, Finally, on March 15, a representative was able to speak to Mr*** and collected a payment to settle his account in full and the payment approvedAt the end of March Mr*** payment was marked as a charge back and Mr*** refused to cooperate with our agents to reach a new settlement arrangementWhile we have discovered some inconsistencies between the allegations in the complaint written by Mr*** and our internal records, we do apologize for any inconvenience caused to himWe absolutely do not condone treatment in the manner that Mr*** has described and we continually take necessary actions to prevent the possibility of similar instance’s from occurring in the futureWe thank Mr*** 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 partiesFurthermore, we would like to point out that the representative that spoke with Mr*** is being reprimanded for his tactics 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 GeneralTo provide Mr*** with a resolution, we have removed his ** *** account from our collection floor to prevent further contact however his outstanding debt will still be marked as unpaidMr*** is welcome to contact me personally should he desire to resolve his outstanding obligation or if he has any additional questions, comments or concerns. With Regard, *** *** Compliance Officer Platinum Holdings Group, LLC [email protected] Phone: (714) 316-