Premium Asset Services LLC

Revdex.com Serving San Diego, Orange & Imperial Counties
sans-serif;">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

Re: [redacted]- Complaint ID [redacted]
To Whom It May Concern: Although the complaint was addressed to the wrong company we did...

manage
to obtain the complaint. We were able to Identify the account associated with [redacted], although Worldwide Recoveries is no longer operating: our company, Premium
Asset Services, Is under the same ownership as Worldwide Recoveries. Upon receipt of
Mr. [redacted]'s complaint, I reviewed the details of her statement and thoroughly
Investigated the account In our office. Premium Asset Services, a debt buyer, purchased Mr. [redacted]' s Orchard Bank
account ending in [redacted] back in August 2013. We have no direct agreement with Mr.
[redacted], as his account has been sold over There is an [unfortunate] course of a debt that
once It has been charged-off by the originating creditor: debt buyers, will continue to
"buy and sell'' a debt reporting as "balance due" until It is ultimately "satisfied". So we
have no direct written agreement between Mr. [redacted] and our company. however Mr.
[redacted] can pursue a chain of title for his Orchard Bank account in order to determine
that we are in fact the legal owners of his account. We did receive a Cease and Desist letter from Mr. [redacted] on October 16, 2013
and have since ceased all communication with him. The letter that was sent to Mr. [redacted] regarding his account would have been
sent direct mail and would not have required a signature as he states In his complaint. Regardless, we do want to provide Mr. [redacted] with resolution, therefore, we are
closing his account in our office. If he has any further questions, I welcome him to
contact me directly at [redacted] or via email at [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 account. Based 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 #[redacted], which he opened on July 1, 2015 and utilized until it was charged-off on July 31, 2012.  Mr. [redacted]’s account was then assigned to Premium Asset Services, LLC and 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 Niles, Illinois.  Our agents began leaving messages as early as July 6, 2015 in an effort to speak with Mr. [redacted]. Finally on July 16, 2015 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 account. As 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 mail. On August 3, 2015 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] again. Not until September 15, 2015 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 representatives. Although 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 caused. Furthermore, 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 well. If 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]

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]

Complaint Department
Re: [redacted] - Cast No. [redacted] We are in receipt of your correspondence dated March 5, 2014, regarding a
complaint submitted to your office by Ms. [redacted]s. I have...

reviewed the details of
the complaint and thoroughly investigated the account associated with Ms. [redacted]s,
Garcia. Pursuant to the results of my investigation, Ms. [redacted]'s complaint that WorldWide
Recoveries, LLC performed an UNAUTHOROIZED and ILLEGAL inquiry on her credit report
Is 100% without merit. Pursuant to our Rights under the FCRA, as the LEGAL TITLE
BEARING OWNER of Ms. [redacted]'s US Bank DDA Overdraft Bank Account ending [redacted] we
are well within our Rights to legally run her report as a collection Inquiry. Furthermore,
our company has performed our Due Diligence by mailing Ms. [redacted]'s First
Notice/Validation letter to her address [redacted] [redacted]
which clearly advises her of our Collection attempts. Ms. [redacted]'s has failed to either
Dispute or Request Validation within the 30 day Validation period, and our collection
representatives have made several attempts to communicate with her in an effort to
provide resolution to this outstanding balance. I have acknowledged Ms. [redacted]s
statement that she feels this is fraud, however, this account was opened with US Bank
and remained open for more then seven months prior to US Bank charging-off the debt.
Furthermore, this account has been sold, meaning that although we are LEGAL TITLE
HOLDER of this DEBT. we did not ORIGINATE the DEBT hence the matter of fraud becomes
moot. Albeit our policy to resolve all consumer complaints to the best of our ability,
because our credit bureau inquiry was well within the scope of the law I am unable to
remove it from Ms. [redacted] credit report. However, I have close Ms. [redacted] account with
In our office, meaning she will no longer receive calls from our company regarding her
US Bank account.
Ms. [redacted] is welcome to contact me personally at by phone at [redacted] or
by email at [redacted] If she has any additional questions, comments
or concerns.
With Regard,
[redacted] [redacted]
Chief Compliance Officer
Worldwide Recoveries, LLC
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]nd have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
What does allowing access to my personal medical information have to do with settling this issue???  This is just an illegal and unethical attempt to obtain personal information protected by HIPPA regulations. Apparently they intend to use this information to harass employers and former employers of family members in order to convince they that they have some liability to this company.Previously when they contacted my children, they told them that they were co- debtors on the bill (an outright lie), but refused to tell them what the bill was about. I refuse to allow this company any access to my personal medical history.  And do people actually accept this proposal??

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be only partially satisfactory to me.  In addition to stopping collection calls I would like this falsely generated debt to no longer be in their system therefore making it available to the next 'debt collector' they sell it to. In their response they stated that I could call them to resolve my debt with them which tells me they still maintain some form of an account in there system.  I am even more increasingly concerned as they referenced a Jared Jeweler account in which I have never ever owned.  I can safely assume this debt was either generated in an attempt to collect from me hoping I would blindly accept and pay it, or created by method of identity theft.  
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 [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]

This company has been harassing me for 2 months and is now calling my employer which is grounds for termination. This company called my job and asked for my manager called back and asked to speak with Human resources. They call and say they are trying to serve you like you are being sued. This is against the law!! Extremely rude staff asked to speak with the "Director" same rude behavior.. I already contacted my lawyer about this company. Please do something about it

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated November 19, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the full investigation conducted...

within Platinum Holdings Group, LLC with regard to Ms. [redacted]’ statement and her account in our office.    On November 12, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’ American Web Loan account ending #[redacted], which she opened on November 24, 2014 and had charged off only two months later on January 21, 2015 with an outstanding balance of $776.00. Consequently, our agents with [redacted] Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms. [redacted] regarding her outstanding account Balance over the course of two days beginning November 18, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’ last known address in Sacramento, California which fully described her account. While trying to reach Ms. [redacted], our agents made attempts to contact our consumer at her place of employment pursuant to Section 803(7) and 805(a)(3) without having knowledge that her employer prohibited calls. Our representative finally received a return call from Ms. [redacted] on November 19, 2015 therefore our agent began describing various settlement options to Ms. [redacted] in an effort to resolve her outstanding debt however no agreement could be met.    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 pulled. Though some inconsistences were found; we sincerely apologize for any alleged transgressions by our representatives as well as any inconvenience we may have caused. We absolutely do not condone treatment in the manner that Ms. [redacted] has described and we actively take necessary actions to prevent similar occurrences from happening. The representative that spoke with Ms. [redacted] has been counseled and will be provided with additional training. We thank Ms. [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 fair resolution’s for both parties. 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 Ms. [redacted]’ complaint, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me personally by telephone at (714) [redacted] or via e-mail at [redacted]@platinumholdingsllc.com should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns.    With Regard,[redacted]Compliance Officer[redacted] Services, LLCA Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

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 OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company [redacted]Phone: [redacted]

Re: [redacted]; Complaint ID- [redacted]We are in receipt of your online communication regarding a complaint your office received from Mr. [redacted].  Immediately upon receipt and after reviewing Mr. [redacted]’s statement, the associated account was...

identified, and we made sure Mr. [redacted]’s phone number had been removed and a formal internal investigation into the matter was launched. Below 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, LLC. Premium 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. [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 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. [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 our compliance department personally via email at s[redacted]@platinumholdingllc.com or by phone at (714)[redacted] should he have any additional questions, comments or concerns.   With Regard,[redacted]Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company s[redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Re: [redacted]     We are in receipt of your notification regarding a complaint your office received from Mrs. [redacted].  I have reviewed Mrs. [redacted]’s statement, and conducted a thorough internal investigation regarding her husband, Mr....

[redacted]’s, account in our office.While I have reached out to Mr. and Mrs. [redacted], sending them a Consumer Complaint Resolution Letter offering my assistance in aiding to resolve Mrs. [redacted]’s complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation.Premium Asset Services, a debt buyer, purchased Mr. [redacted] account, ending in [redacted], in October, 2014. Pursuant to 15 U.S. CODE § 1692G – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Mr. [redacted]’s  home address in Clinton, Mississippi in early November, 2014 which advised him of the outstanding balance. After a lack of response or dispute received by Mr. [redacted], our representatives attempted to contact him with the intent to resolve his outstanding debt. Our first attempt to contact Mr. [redacted] via telephone was on November 6, 2014. Our agent was successful and was able to speak to Mr. [redacted]. Although Mr. [redacted] expressed interest in paying his debt he also mentioned he would have to check his current finances with his wife. Our representative gave Mr. [redacted] the option to settle his debt for the low balance of $553.22 and Mr. [redacted] agreed to call back to discuss this arrangement. After not hearing back from Mr. [redacted] our agent called him back on November 10, 2014 and simply left a voicemail. On November 12, 2014 our agent still had not heard back from Mr. [redacted] and therefore, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, began to leave messages with third-parties in hopes Mr. [redacted] would return our call. Minutes after leaving a message on the phone number we believed to be Mrs. [redacted], Mr. [redacted]’s wife, we received a call back from her. Mrs. [redacted] explained that this debt had nothing to do with her and encouraged our agent to do what he had to do and we then received this complaint the very same day. While we understand the concept of harassment is subjective, our agency and employees have conducted themselves professionally and within the guidelines of the FDCPA. However, we would still like to take the time and apologize for any inconvenience we caused Mr. and Mrs. [redacted]. In closing, while Mr. [redacted]’s account will remain classified as “DEBT STILL OUTSTANDING”, we have removed Mr. [redacted]’s account from our Active database within our office to prevent further contact with him or his wife Mrs. [redacted].Mr. and Mrs. [redacted] are welcome to contact me personally by phone at (714) [redacted] or by email at [redacted]@platinumholdingllc.com should they desire to resolve this outstanding obligation or if they have any additional questions, comments or concerns. With Regard,
[redacted]Chief Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company 
[redacted]@platinumholdingsllc.comPhone: (714) [redacted]

We are in receipt of your letter dated September 30, 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 thorough assessment, I have concluded that the allegations in this complaint are in part baseless and without merit.    On July 1, 2015, Platinum Holdings Group, LLC , a debt buyer based in California, purchased Mr. [redacted]’s Fifth Third Bank account ending in #[redacted], which he opened on September 29, 2011 and utilized until it was charged –off on October 15, 2015.  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 Cincinnati, Ohio; we have recently discovered this address was incorrect as per Mr. [redacted]’s complaint. Subsequently, our representatives with Premium Asset Services began attempts to contact Mr. [redacted] on August 5, 2015 in an effort to resolve his outstanding balance however were unsuccessful and could only leave messages. On August 10, 2015, Premium Asset Services, LLC had their first conversation with Mr. [redacted]. Although Mr. [redacted] was aware of the debt he was under the impression that we were discussing a joint debt he believed to be previously paid therefore our agent requested he simply send us proof of payment so that we could properly close his account in our office. Again on August 14, 2015 Mr. [redacted] contacted our agent at Premium Asset Services, LLC to inform him he had contacted the agency to who the account was previously paid and he was waiting for them to send him his Zero Balance proof of payment via US mail. Our representative informed Mr. [redacted] he would place his account on hold while awaiting the Proof of Payment Letter. Nearly a week later, on August 20, 2015, our representative attempted reaching Mr. [redacted] for an update on his Zero Balance Letter however he was only able to leave a message. Therefore another attempt to reach Mr. [redacted] was made on August 27, 2015. Once able to speak to Mr. [redacted] he began requesting further Validation of Debt from our office and was no longer able to provide documentation stating he had previously paid the debt. The call was ended and no further contact was made nor attempted.   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 Fifth Third bank account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact me, [redacted] La [redacted], via e-mail at sla[redacted]@platinumholdingsllc.com or by telephone at (714) 316-2740 should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted] La [redacted]Compliance Officer

[redacted] Serving
San Diego, Orange & Imperial Counties[redacted]
[redacted]Attention: [redacted]Re:
[redacted] Complaint ID; [redacted]We are in receipt of your correspondence
dated February 26, 2015,...

regarding a complaint submitted to your office by Mr.
[redacted].  I have reviewed
the details of the complaint and thoroughly investigated the account associated
with Mr. [redacted].  Premium Receivables, LLC, a debt buyer, purchased
Mr. [redacted]’s [redacted] account ending in 0601 on August 6, 2014, which he opened on February 12, 2009 and paid on until July 3, 2009.Pursuant
to the Default Clause in Mr.
[redacted]’s original contract, interest continues to accrue at the original creditor’s
default rate, leaving a current Balance of $3,538.73.  Pursuant to 15 U.S. Code § 1692g – vALIDATION
OF dEBT, Premium
Receivables, LLC mailed the First Notice/Validation letter to Mr. [redacted]’s
home address in [redacted] in the beginning of August, 2014.  Our agents first attempted to communicate
with Mr. [redacted] at the telephone numbers associated with his [redacted] account on
August 18, 2014, albeit unsuccessful as each call resulted in leaving messages
on voicemails.  Although we were able to
speak with Mr. [redacted] on August 19, 2014, no form of resolution was obtained
during the call.   Different representatives spoke to Mr.
[redacted] a couple more times, and while Mr. [redacted] would initially agree to a
settlement, he wouldn’t follow though with a resolution.    Pursuant to the results of my investigation,
Mr. [redacted]’s complaint that Premium Receivables, LLC performed an UNAUTHOROIZED and ILLEGAL inquiries on her credit
report is 100% without merit.   Pursuant
to the FCRA 604(a)
(3) (A, as the LEGAL, TITLE BEARING OWNER of Mr. [redacted]’s [redacted] Account ending 0601 we are well within our Rights to legally run
his report as a collection Inquiry.  
Section 604(a)(3)(A) reads “any consumer reporting agency may furnish a
consumer report to a person which has reason to believe “intends to use the
information in connection with a credit transaction involving the consumer on
whom the information is to be furnished and involving the extension of credit
to, or review or collection of an account of….” Additionally,
Mr. [redacted] stated in his complaint that our company ran his Credit Report
several times, yet his collection profile was accessed just once on August 15,
2014.                   While we understand the concept
of harassment is subjective, our agency and employees have conducted themselves
professionally and within the guidelines of the FDCPA. In an attempt to provide a resolution,
Premium Receivables has CLOSED and removed Mr. [redacted]’s account from our
Active database within our office to prevent further contact. Although, Mr.
[redacted]’s account will remain classified as “DEBT STILL OUTSTANDING”, he is
welcome to contact me 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]Chief
Compliance OfficerPremium Receivables,
LLCA Platinum Holdings
Group LLC Company [redacted]Phone:
[redacted]

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated November 19, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the full...

investigation conducted within Platinum Holdings Group, LLC with regard to Ms. [redacted]’ statement and her account in our office.    On November 12, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’ American Web Loan account ending #[redacted], which she opened on November 24, 2014 and had charged off only two months later on January 21, 2015 with an outstanding balance of $776.00. Consequently, our agents with [redacted] Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms. [redacted] regarding her outstanding account Balance over the course of two days beginning November 18, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’ last known address in Sacramento, California which fully described her account. While trying to reach Ms. [redacted], our agents made attempts to contact our consumer at her place of employment pursuant to Section 803(7) and 805(a)(3) without having knowledge that her employer prohibited calls. Our representative finally received a return call from Ms. [redacted] on November 19, 2015 therefore our agent began describing various settlement options to Ms. [redacted] in an effort to resolve her outstanding debt however no agreement could be met.    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 pulled. Though some inconsistences were found; we sincerely apologize for any alleged transgressions by our representatives as well as any inconvenience we may have caused. We absolutely do not condone treatment in the manner that Ms. [redacted] has described and we actively take necessary actions to prevent similar occurrences from happening. The representative that spoke with Ms. [redacted] has been counseled and will be provided with additional training. We thank Ms. [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 fair resolution’s for both parties. 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 Ms. [redacted]’ complaint, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me personally by telephone at (714) [redacted] or via e-mail at [redacted]@platinumholdingsllc.com should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns.    With Regard,[redacted]Compliance Officer[redacted] Services, LLCA Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am satisfied with the fact that they have removed my account from their database. However, the response from the company is not correct. How could I open an account in 2010 and use it until 2005? Also, they did NOT stop calling my work after I informed them countless times that they could not contact me there. They also called and asked to speak to my HR department over and over again. HR was calling me asking me to handle the matter because this company was harassing them as well. Regardless if it was a true debt or not is irrelevant. The law was broken many times while they were trying to contact me. 
Regards,
[redacted]

We are in receipt of your correspondence doted June 19, 2104, regarding a complaint
submitted to your office by Mrs. [redacted]. l have reviewed the details of Mrs. [redacted]'s
complaint as well as investigated into what...

took place in our office. Mrs. [redacted] was being contacted regarding her HSBC Orchard Bonk Account ending in
[redacted]. Our business with Mrs. [redacted] was explained to her in detail in a letter sent to her last known
address in [redacted]. June 19. 2014, our representative attempted to locale Mrs. [redacted] at the
telephone numbers associated with her HSBC Orchard Bank Account. Our sole intention wos to speak with Mrs. [redacted] and resolve the matter of her
account in our office; unfortunately. we were unable to do so. However, we did come in contact
with Mr. [redacted] in an effort to reach Mrs. [redacted]. Our oftemptwas unsuccessful and the call was
terminated. We do understand that there ore always iwo sides to every story and we apologize
for any alleged misconduct by our representatives. In an effort to resolve this matter with Mr. & Mrs.
[redacted], we've removed ALL telephone numbers associated with Ms. [redacted] from our system
and notified our represen·tatives they were not to contact Mr. & Mrs. [redacted] for any reason. However, most consumers do not realize· or understand that a debt is purchased and sold
rather quickly, they often times make assumptions that any call relating to a specific account, is
from the same company. This is the [unfortunate] course of a debt once It has been charged~off
by the originating creditor; debt buyers, will continue to "buy and sell" a debt repotting as
"balance due'' until it is ultimately "satisfied". So although Mrs. [redacted] will no longer be heoring
from our office. other debt buyers will undoubtedly contacting her in order to collect the debl that
Mrs. [redacted] owes. That being said, we opologize for any inconvenience we have coused Mr. & Mrs. [redacted]
and while their HSBC Orchard Bank account will remain with an outstanding balance still due. I
have CLOSED this motter internally so no further contact from our company will be received. Thusly,
a written communication indicating our action was also sent to Mr. [redacted] & Mrs. [redacted]. Our company is well versed ln 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. We take these complaints very
seriously. If you have any further questions or concerns, or if I rnoy be of further assistance please
feet free to contact [redacted] M.
With Regard,
[redacted] M [redacted]
Chief Compliance Officer

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 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 May 19, 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 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 #[redacted], which he opened on December 18, 2009 and paid on until September 5, 2011. 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 Spring Valley, California.  Subsequently, our representatives made attempts to contact Mr. [redacted] beginning in April, 2015 in an effort to resolve his outstanding balance. A representative was initially able to speak to Mr. [redacted] on April 24, 2015. Mr. [redacted] explained his current struggling situation and therefore our agent offered him the option to make payments. Mr. [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 week. Our 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 perspective. Pursuant 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 accordingly. After researching our company, Mr. [redacted] concluded Mr. [redacted] is merely a collector at Premium Receivables; however his assumption’s was made without merit. While 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 FDCPA. Nonetheless, 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 Mr. and 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 floor. Should 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[redacted]@platinumholdings.com   With Regard,     [redacted] Compliance Officer Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted]@premiumassetsvs.com [redacted]