Premium Asset Services LLC

Re: *** *** File # ***
To Whom It May Concern:
We are in receipt of your correspondence dated April 23, 2014, regarding a complaint
submitted by Ms*** ***I have reviewed the
details of the complaint and
thoroughly investigated this matter internally
Pursuant to the results of our investigation, our company Premium Asset Services
was attempting to reach both Mrond Mrs*** regarding their US Bank account
ending #***which they opened on March 5, and US Bank charged off on
November 10,
However, our records indicate that no direct contact was ever made with Mror
Mrs***If they have records showing they closed their account with US Bank, we ask
that they please forward to my attention, so I am able to address this accordingly with
USBankln the interim, Mrend Mrs***'s account has been pulled from open
collections: hence they will receive no further phone calls
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 end the Attorney General
If you have any further questions or concernsor if I may be of further assistance
please feel free to contact *** M*** at *** or email at
***
With Regard,
*** * ***
Vice President of Compliance
Premium Asset Services, LLC

We are in receipt of your letter dated July 1, 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 ourlntemal audit, it
appears as though Mr***'s recollection was not accurately depicted in his statement
Our company, Premium Receivables, attempted to contact Mr*** regarding his JB
*** Account ending in #which he opened March 27, Pursuant the
EDCPA section 809a out business with him was explained in detail in the First We truly appreciate Mr*** bringing this matter to our attention and
understanding how Mr*** feels we hove 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 employer are made, we have removed all telephones numbers
from our database and CLOSED Mr***'s JB *** accountOur company is well versed in the FDCPA ond other state and local collection
regulations ond our representatives ore required to obey and adhere to a !I collection
laws governed by the CFPB, the FTC, and the States' Attorney GeneralsIf you have any further questions or concerns, or if I mqy be of further assistance,
please feel free to contact me by phone at (7*** *** or by email at
***
Thank you

We are in receipt of your letter dated July 201-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 numbers
Our company,
Premium Receivables attempted to contact Mr*** regarding his
US BANK account ending in #*** which he opened on October 30, On July
our representatives contacted MrProbby in an attempt to resolve his debt with US BANK
He agreed to a settlementhis only request Is thct we send him a settlement letter
outlining the arrangementhe provide his email ***
On July 3, 2014, we reached to Mr*** to confirm that he received our emoil
correspondenceMr*** made clear that he longer wanted to cooperate and the
call was terminatedWe never heard back from Mr*** and no further attempts were
made
That being said, we apologize for any inconvenience we have caused Mr***
and while his US BANK Account will remain with an outstanding balance still due, I haveCLOSED this matter intemally so no further contact from our company will be received
If you have any further questions or concems, or if I may be of further assistance
please feel free to contact *** ** *** at *** or via email at
***

February 16, Revdex.com Serving San Diego, Orange & Imperial Counties Attention: *** *** Re: *** *** *** ** * ***
*We are in receipt of your notification originally dated February 10, regarding a complaint your office received from *** ***
*** I have reviewed *** *** statement, and conducted a thorough internal investigation regarding his account in our officeTherefore, the following will summarize the context of my analysisPlatinum Holdings Group, LLC, a California based debt buyer, purchased *** *** Spot Loan account ending in #*** and upon purchase we placed it with one of our internal collection divisions, Premium Asset Services, LLC, to recover the debtOur agents subsequently began efforts to contact *** *** regarding his outstanding Balance on January 12, A representative from Premium Asset Services was able to speak to *** *** on two separate occasions however no follow through was carried out by our consumerFinally, after leaving voicemails without the courtesy of a response from *** *** a continuous lack of communication occurred and our offices removed *** *** account from our collection floorIn order to substantiate these facts stated above, an internal investigation was conducted and although several inconsistences were found between the allegations in the complaint written by *** *** and our internal records we sincerely apologize for any inconvenience we may have causedOur 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 an effort to provide *** *** with a resolution, we would like to reiterate that his Spot Loan account was removed from our collection floor to prevent further contact from our agentsStill this does not free *** *** of his outstanding balance unless his claim of paying off his account is in fact accurate in which case we encourage him to submit evidence*** *** 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 A Platinum Holdings Group LLC Company *** Phone: (714) 316-

Re: *** ***; Complaint ID- ***We are in receipt of your letter dated September 9, regarding a complaint your office received Ms*** ***Unfortunately I never received the original complaint however I have reviewed Ms***’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***, sending her a Consumer Complaint Resolution Letter offering our assistance in aiding to resolve her complaint; to date I have not received a reply. Therefore, 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***’s American Web Loan account ending #*** which she opened on July 14, and paid on a mere two months with a final payment recorded on September 16, 2014. Platinum Holdings Group, LLC subsequently assigned Ms***’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 *** Louisiana which detailed Ms***’s said accountOur representatives began efforts to communicate with Ms*** 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*** 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***After verifying whom they were speaking to by confirming the necessary personal information and reciting the *** *** one of the directors from Premium Asset Services, LLC began explaining the details of Ms***’s account and the reason for our callsMs*** initially seemed aware of the outstanding debt and inquired about her optionsDevoid of interest in settling her outstanding debt Ms*** began expressing her frustration with regard to our attempts to reach her through her ex-mother-in-law and place of businessMs*** 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***’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***’s account were pulled and reviewed. Pursuant to those recordings, at no time did our agents at Premium Asset Services, LLC ever threaten Ms*** 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*** with a resolution, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contactMs*** is welcome to contact me, *** ** ***, via e-mail at ***@platinumholdingsllc.com or by telephone at (714) *** should she desire to resolve his outstanding obligation or if have any additional questions, comments or concerns

Re: *** ** ** *** ID; *** We are in receipt of your letter dated May 9, regarding a complaint your office
received from Mr*** ** ** ***I have reviewed Mr** ** ***'s statement, and conducted
/>
a thorough internal investigation regarding his account In our officePremium Receivables, LLC, a debt buyer based in California, purchased Mr** ** ***'s
KAY JEWELERS account ending #*** on March 27,2014, which remained ACTIVE until July 18th,
Our initial contact with Mr** ** ***: was on April 2014; our representative attempted to
reach some type of resolve with regard to his outstanding debt with KAY JEWELERSMr** ** ***
stated he isn 't liable for the interest that his account has accrued and made it clear that he didn 't
want to work with us
On May 5, we made one final attempt to contact Mr** ** ***yet he advised our
representative that he was at work and couldn't talkFollowing the May phone call, no
further attempts were madeMr** ** ***'s states in his complaint, that he requested that we
cease calls to his place of employment, our representative had previously removed the number
and no further calls were madeWhile in no way do we condone our representatives to handle a matter in the manner
described, it appears as though Mr** ** ***'s allegations are or at best, exaggeratedAll
recordings pertaining to this account were pulled and reviewed and at no point did our
representative's state "SHUT YOUR MOUTH"Said recordings are available should the Revdex.com or Mr**
** *** would like to reviewNevertheless we do apologize for any inconvenience Mr** ** *** may have been
caused, and in an effort to provide Mr** ** *** resolution, we have closed his KAY JEWELERS
account in our office, hence he will no longer be contacted by our representatives regarding this
matterIf you have any further questions or concerns, please contact *** *** at *** ***
***
Thank you,
*** M***
Chief Compliance Officer
Premium Receivables, LLC
A platinum Holdings Group, LLC Company

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
I do not accept Premium Asset Services (and or Worldwide Recoveries) response because they are only closing the account in their office, they do not mention in their response they will delete the inquiry from Equifax, therefore I demand deletion of the enquiry from credit bureau
Regards,
*** ***

Re: *** ***; Complaint ID - ***After receiving your correspondence dated October 8, regarding a complaint your office received from Ms*** *** formally known as *** Pullum we began an internal investigation. The following will describe our
findings based off the thorough analysis conducted within Platinum Holdings Group with regard to Ms***’s statement and her account in our office On October 6, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms***’s HSBC Orchard Bank MasterCard account ending #*** which she opened on November 9, and paid on until December 20, 2007. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms*** regarding her outstanding debt on September 22, at the telephone numbers associated with her accountIn addition, a First Notice/Validation letter was mailed to Ms. ***’s last known address in Middleburg which explained her account in detail Our representative was successful in reaching Ms*** right away and once verifying she was in fact speaking to the correct party our agent began describing the details of Ms***’s HSBC account to her while requesting possible arrangements she would feel comfortable makingMs*** explained her current living and financial situation’s and offered small payments to pay off her large debtIn an effort to assist Ms*** in paying her settlement in a timelier manner while saving a large portion of the amount owed our representative offered a settlement arrangement with larger payments with a much smaller pay off balanceAfter discussing various possibilities, Ms*** finally agreed upon a settlement she expressed was both manageable and fairOnce the said arrangement was determined our agent explained our requirement for representation for the future payments however because of past experiences with another company Ms*** was not willing to provide her personal banking informationFinally a supervisor took over the call to express Premium Asset Services, LLC’s reasoning for such requirements. Consequently Ms*** placed her husband on the phone; he showed no interest in compromise and the call was terminatedThe following day our agent contacted Ms*** for a second time to explain other options for providing payment such as a prepaid credit cardMs*** considered the option said she would speak to her husband and the call was ended and no further contact was made In 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 between the allegations in the complaint written by Ms*** and our internal records, we do apologize for any inconvenience our offices may have causedOur 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.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, *** ** ***, 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,*** ** ***Compliance Officer

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 13, 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 baseless and without merit.
On April 15, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Mr[redacted]'s HSBC MasterCard account ending in #2719, which he opened on November 17, and paid on until May 7, 2012.
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 Carleton, Michigan. Subsequently, our representatives made attempts to contact Mr[redacted] on May 4, in an effort to resolve his outstanding balance however were unsuccessfulFortunately, one of our representative's was able to speak with Mr[redacted] on May 7, and once verifying he was in fact speaking to the correct person our agent began explaining the details of Mr[redacted]'s outstanding HSBC debt to himMr[redacted] then claimed he believed he had already paid the balance of his accountOur agent then clarified as per Mr[redacted]'s credit report he had in fact paid off a few accounts but this HSBC MasterCard was not one of themThus Mr[redacted] requested a letter from our company detailing his outstanding debtOur agent asked Mr[redacted] for his e-mail address in order to send the necessary information and documented Mr[redacted]'s updated contact information in our systemThe call was ended and a letter was forwarded to Mr[redacted]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-mailedRegrettably, our representative struggled to reach Mr[redacted] again therefore, pursuant to Section 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 consumerFinally, Mr[redacted] returned the calls of Premium Receivables once more on May 15, and again claimed he had previously paid off his accountTherefore our agent kindly requested proof of payment in order to close out Mr[redacted]'s account in our officeMr[redacted] explained he had already contacted HSBC and was currently awaiting the proper information to forward to our companyOur agent apologized for the inconvenience and expressed our gratitude for Mr[redacted]'s effort to submit the proper documentation to Premium ReceivablesHe asked for an approximate time line as to when the information should be received and explained we would contact him at a later dateThe following business day May 18, we were in receipt of Mr[redacted]'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 complaintFurthermore, 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[redacted]'s complaintWhile 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[redacted]. In an attempt to resolve this matter amicably, we have removed Mr[redacted]'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 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 [redacted] at (714) [redacted] or by email at [redacted]@platinumholdings.com
With Regard,
[redacted]
Compliance Officer
Premium Receivables, LLC
A 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-

class="qowt-font4-Aparajita" "display: inline; white-space: pre-wrap">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 removedAdditionally 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, Premium Asset Services, LLC then began attempting to reach our consumer, MrGreggory [redacted], regarding a personal business matterOur 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 consumerOnce notified that our agents were contacting an incorrect phone number Mr[redacted]'s number was in fact removed from our systemWhile 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 himOur 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 GeneralLastly 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 usIn 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 contactMr[redacted] is welcome to contact me personally should he have any additional questions, comments or concerns
[redacted]
Compliance Officer
Premium Asset Services, LLC
[redacted]
[redacted]@platinumholdingsllc.com
Phone: (714) 316-

class="qowt-font4-Aparajita" "display: inline; white-space: pre-wrap">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 #[redacted], 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-

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]
 
 I do not  want this company to contact me again and everything I indicated was the truth.

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 June 17, regarding a complaint your office received from Ms[redacted]I have reviewed Ms[redacted]'s statement, and conducted a thorough internal investigation regarding her account in our officeTherefore, the following will summarize the context of my findings On April 15, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms[redacted]'s [redacted] account ending #[redacted], which she opened on December 2, and paid on until April 17, Pursuant to U.SCode § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms[redacted]'s home address in [redacted] which details all of the aforementioned Original Creditor and account information. Operating under the assumption our written communication was received by Ms[redacted]; Platinum Holdings Group assigned her account to Premium Asset Services whom began efforts to contact Ms[redacted] regarding her outstanding debt On May 5, Premium Asset Services attempted reaching Ms[redacted] at the telephone numbers associated with her [redacted] accountThis however was initially ineffective until May 18, which was the day Ms[redacted] returned Premium Asset Service's call and had her first and only conversation with our officeOur representative first began explaining the details of Ms[redacted]'s [redacted] account to her and then proceeded to ask if and how should could take care of her outstanding debtMs[redacted] was fully aware of her outstanding balance yet stated she wanted Validation of debt and could not offer any type of paymentAlthough our agent explained we had sent a letter to her home address previously stating the necessary details and status of her account, Ms[redacted] was adamant she had not received any written statements from our company and demanded we send her a validation of debt in the mailAfter exhausting all efforts our representative could identify the stall tactics Ms[redacted] was practicing and decided to simply close her account in our officeIn 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 reviewedWhile we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA. Nonetheless, we take all complaints seriously here at Platinum Holdings Group, LLC and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Ms[redacted]. In an attempt to resolve this matter amicably, we have removed Ms[redacted]'s [redacted] account from databaseMs[redacted]'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 Revdex.com and or Ms[redacted] should feel free to please contact [redacted] at (714) 316[redacted] or by email at [redacted]@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 Asset Services A Platinum Holdings Group, LLC company [redacted]@platinumholdingsllc.com Phone: (714) [redacted]

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 April 23,...

2015 regarding a complaint submitted by our consumer, Ms. [redacted], to your office.   I have investigated the matter internally and carefully reviewed the allegations made by Ms. [redacted] in her complaint with regard to her 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 March 9, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. [redacted]’ Jared Jewelers account ending in #[redacted] , which she opened on November 15, 2001 and paid on until December 21, 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 via our document mailing service, Compumail to Ms. [redacted]’ last known address in Monroe, Georgia.  Our representatives first made attempts to contact Ms. [redacted] on April 9, 2015 in an effort to resolve her outstanding balance however were unsuccessful.   Therefore, pursuant to Section 804 of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location Information, our representatives attempted to contact third parties, as identified in the FDCPA as an effort to communicate with our consumer. Premium Receivables was contacted by Ms. [redacted]’ mother, [redacted], after having received a message on April 14, 2015. This was our company’s only actual conversation with a third party in relation to Ms. [redacted]’ account. Once Ms. [redacted] asked for the purpose of our need to speak with her daughter, Ms. [redacted], our agent explained that under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, we could not disclose the purpose of our call, as it is a violation. This upset Ms. [redacted] and the call was ended. Subsequently, Premium Receivables was finally in receipt of a call from Ms. [redacted]. Our representative verified he was speaking with Ms. [redacted], recited the Mini-Miranda, and began disclosing the purpose of our call. Ms. [redacted] was continuously hostile and unfortunately no resolution could be made.     Ms. [redacted] make’s several false accusations mostly regarding statements made by our agents such as “warrant out for her arrest,” and “dead beat daughter.” Not once did our company even speak with Ms. [redacted]’ father nor make any such comments to either of her parents. 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 Ms. [redacted].   In an attempt to resolve this matter amicably, we have closed Ms. [redacted]’ Jared Jewelers account within our office and while the debt will remain “UNPAID”, we will not attempt to collect the debt.   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 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 [redacted] or by email at [redacted]@platinumholdings.comWith Regard,[redacted]Compliance OfficerPremium Receivables, LLCA Platinum Holdings Group LLC Company [redacted]@premiumassetsvs.com[redacted]

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated October 2, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the thorough analysis conducted...

within Platinum Holdings Group with regard to Ms. [redacted]’s statement and her account in our office.    On August 31, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC Prime MasterCard account ending #[redacted], which she opened on June 9, 2004 and paid on until February 26, 2007 leaving a balance of $3,353.45. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding HSBC account Balance on September 14, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Greenbush, Maine which explained her account in detail.  Our representatives first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her account. Our representative spoke with Ms. [redacted] who explained she was unable to pay very much because her husband is on disability and she was the only one working. On September 21, 2015 Ms. [redacted] spoke to one of Premium Asset Services, LLC’s supervisors and was able to reach a settlement agreement. On September 29, 2015 Ms. [redacted] called our agent and requested we run her payment however her card was declined. Our representative explained it may have been an issue with her bank and he would give her a couple days if necessary to make the payment. Ms. [redacted] said she was going to visit her bank and call Premium Asset Services back. After not hearing back from Ms. [redacted] our agent attempted reaching her on October 1, 2015. Unfortunately, Ms. [redacted] was upset our agents had left messages at her place of employment and her parents’ house after not reaching her on her individual line. Ms. [redacted] also explained she was unable to get a loan with her bank and therefore no longer could or would pay her outstanding debt. Our agents immediately removed Ms. [redacted]’s account from our collection floor after gaining this knowledge and no further contact was made.In 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 reviewed. While we have discovered some inconsistencies between the allegations in the complaint written by Ms. [redacted] and our internal records, we do apologize for any inconvenience our offices may have caused. Furthermore, in order to provide Ms. [redacted] with a resolution, we have removed and closed her HSBC account from ALL Active databases to prevent further contact. Ms. [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 her outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted]Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

inline; white-space: pre-wrap; font-family: Aparajita !important; font-size: 11pt;">
We are in receipt of your notification regarding a complaint your office received from Mr. [redacted]. I have reviewed Mr. [redacted]’s statement, and conducted a thorough internal investigation regarding his account in our office.
On February 2, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Mr. [redacted]’s [redacted] account ending #[redacted], which he opened on May 19, 2009 and paid on until August 22, 2011.
Once assigned to Mr. [redacted]’s account our collection firm, Premium Asset Services, LLC, began efforts to contact him regarding his outstanding debt. Miscommunication occurred and as of April 13, 2016 our offices received a demand letter from Mr. [redacted]’s attorney. Therefore while the account is still under further investigation and in a legal status we are unable to disclose further details.
We understand that there are always two sides to every story and would like to apologize for any alleged misconduct by our representatives. Although we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we would also like to apologize for any inconvenience we may have caused. 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.
To further resolve Mr. [redacted]’s complaint, we would like to assure him that his [redacted] account has in fact been removed and closed from ALL Active databases within our offices to prevent further contact. Mr. [redacted] is welcome to contact me personally should he have any additional questions, comments or concerns.
With Regard,
[redacted]
Compliance Officer
Premium Asset Services, LLC
A Platinum Holdings Group, LLC Company
[redacted]
Phone: [redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123-1688 Attention: [redacted] Re: [redacted]; Complaint ID- [redacted]  We are in receipt of your letter dated August 24, 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 July 24, 2015, Platinum Holdings Group, LLC , a debt buyer based in California, purchased Mr. [redacted]’s American Web Loan account ending in #6035, which he opened on May 27, 2014 and paid on until July 30, 2014.  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. [redacted]’s last known address in Grand Prairie, Texas. Subsequently, our representatives with Premium Asset Services began attempts to contact Mr. [redacted] on August 3, 2015 in an effort to resolve his outstanding balance however were unsuccessful therefore, pursuant to Section 804 of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location Information, our representatives attempted to contact third parties, as identified in the FDCPA as an effort to communicate with our consumer. Unfortunately Premium Asset Services still had no luck reaching Mr. [redacted]; not once did Premium Asset Services have the opportunity to speak to Mr. [redacted] and once in receipt of his complaint we immediately removed his account from open collections. 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 pulled and reviewed. While 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 we may have caused. We also apologize for any alleged misconduct by our representatives. 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. [redacted] with a resolution, we have removed and closed his American Web Loan account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact my director personally by phone at [redacted] or by email at [redacted] should he desire to resolve his outstanding obligation or if he has any additional questions, comments or concerns.     With Regard,    [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group LLC Company [redacted] (714)316-2740

Please see attached documents. 
[redacted] Serving
San Diego, Orange & Imperial Counties[redacted]
[redacted]Attention: [redacted]Re:
[redacted]s Complaint ID; [redacted]We are in receipt of your letter...

dated
February 16, 2015 regarding a complaint submitted by Mrs. [redacted] to your
office.   I have investigated the matter
internally and carefully reviewed the allegations made by Mrs. [redacted]’ in her
complaint with regard to Mr. [redacted]’ account. On February 2, 2015, Premium Receivables,
LLC, a debt buyer based in California, purchased Mr. [redacted]’ [redacted] account ending in #[redacted], which he opened on July 22, 2009 and paid on
until December 14, 2009.  As we do with all new accounts, Pursuant
to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First
Notice/Validation Letter was mailed via our document mailing service, Compumail
in the beginning of February, 2015.  Our
representatives made attempts to contact Mr. [redacted] in an effort to resolve his
outstanding balance however were unsuccessful.  
Therefore, pursuant to Section 804
of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location
Information, our representatives attempted to contact third parties, as
identified in the FDCPA as an effort to communicate with our consumer. Our
representatives were finally able to communicate with Mr. [redacted] on February 13,
2015. Our agents tried several attempts to settle Mr. [redacted]’ outstanding debt
for him by offering various options. Unfortunately, Mr. [redacted] would not
cooperate with our representative. This was the only conversation between Mr.
[redacted] and Premium Receivables as we were never able to reach him again.   Additionally, Mrs. [redacted]’ mentions in her
complaint that Mr. [redacted]’ [redacted] account ending in #[redacted] is “CLOSED and
REMOVED” from his credit report. However, [redacted] Charged-Off this account
which need not be mistaken for Closed. Although this [redacted]
account may not currently show reported on Mr. [redacted]’ credit report, he does in
fact still possess an Unpaid Balance. While there are just 5 states in our
Union with time-barred collection restrictions, Alabama is not one of them and
the Statue of Limitations applies solely to a company’s ability to obtain
Judgment for the debt.  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.
and Mrs. [redacted].   In an attempt to
resolve this matter amicably, we have closed Mr. [redacted]’ [redacted] account
within our office and while the debt will remain “UNPAID”, we will not attempt
to collect the debt.   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 well. If you have any further
questions or concerns, or if we may be of further assistance, please feel free
to contact [redacted] at [redacted] or by email at
[redacted]With
Regard,[redacted]Chief
Compliance OfficerPremium
Receivables, LLCA Platinum
Holdings Group LLC Company [redacted]Phone:
[redacted]

Re: Bradley [redacted]; Complaint ID – [redacted] Upon arrival of your notification dated February 29, 2016 regarding a complaint your office received from  Mr. [redacted], our firm identified the account, assured it had been removed from Open Collections and placed it in a Permanently...

CLOSED status.  Additionally, a thorough internal examination regarding this account was previously conducted upon receipt of a prior complaint therefore these were the results of my investigation. Platinum Holdings Group LLC, a California based debt buyer, purchased Mr. [redacted]’s [redacted] ([redacted]) account ending in [redacted] and upon purchase we placed it with our internal collection division, Premium Asset Services to recover the debt.  Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation letter was mailed to Mr. [redacted]’s home address in [redacted].   Premium Asset Services, LLC, began efforts to contact Mr. [redacted] regarding his outstanding [redacted] debt on February 17, 2016.  Our agents first attempted to communicate with Mr. [redacted] at the telephone numbers associated with his account on, however were ineffective and each call resulted in leaving messages. Therefore, 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 Mr. [redacted] would receive our messages. Our agents were finally able to speak with Mr. [redacted] on February 23, 2016 in which only miscommunication occurred. While 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 we may have caused to Mr. [redacted] and his family. We absolutely do not condone treatment in the manner that Mr. [redacted] described and we have taken necessary actions to prevent a similar instance from happening in the future. The representative that spoke with Mr. [redacted] has been counseled and it has been determined that the employee requires additional training which we will absolutely will provide. We 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.     With consideration that there are always two sides to every story, again we would like to express our regret for any alleged misconduct by our representatives. 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. [redacted] with a resolution, we have removed and closed his [redacted] account from ALL Active databases to prevent further contact. Should there be any further questions or concerns, or if I may provide further assistance, kindly contact me by telephone at [redacted] or via e-mail at [redacted].     With Regard, [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group LLC Company [redacted] Phone: [redacted]