Premium Asset Services LLC

After receiving your correspondence 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]’s statement...

and her account in our office.  On August 13, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s US Bank account ending #[redacted], which she opened on May 28, 2010 and utilized until February 9, 2005.
Consequently, our agents with Premium Asset Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms. [redacted] regarding her outstanding account Balance beginning October 7, 2014.  Our agents first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her US Bank account however were unsuccessful as each call resulted in leaving messages on voicemails.  Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms. [redacted]’s employer prohibited calls, attempted to reach her at her place of employment.
In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled. While we have discovered some inconsistencies between the allegations in the complaint written by Ms. [redacted] and our internal records, we sincerely apologize for any inconvenience we may have caused. We absolutely do not condone treatment in the manner that Ms. [redacted] described and continuously take necessary measures to prevent such occurrences. 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 Ms. [redacted] with a resolution, we have removed her account from ALL Active databases. Furthermore we would like to apologize for our delinquent response. Unfortunately, our offices were unaware of this complaint when it was originally submitted by Ms. [redacted]. Should any additional questions, comments or concerns arise Ms. [redacted] is welcome to contact me personally by telephone at (714) 316-2740 or via e-mail at [email protected].    With Regard,[redacted]Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company[redacted]Phone: [redacted]

We are In receipt of your correspondence dated March 10,2014, regarding a complaint
submitted by Ms. [redacted] I have reviewed the details of Ms. [redacted]' complaint and
absolutely, in no way do we condone any...

representatives of our company to handle a call in the
manner described. This matter has been brought to the attention of our company executives and
the Director that Ms. [redacted] spoke with will have repercussions. The unknown debt that Ms. [redacted] alludes to is her HSBC Metris account ending In [redacted]
that was opened on June 14, 2007 that to date has an unpaid balance of $1,929 .72. Our records
indicated that our dealings with Ms. [redacted] lasted for 3 days. March 4th through March 6"', 2014
and in the course of that time our representatives were not told to cease contacting her at her
place of employment. Regardless we do apologize for any inconvenience caused to Ms. [redacted].
When we received the complaint from your office, we immediately notated Ms. [redacted] account
in order to prohibit all further contact at her place of employment. On the 6th of March. Ms. [redacted] informed our representative that she did not want to
resolve her HSBC Metris account with him and at that time, her account was forwarded to our
legal department. Necessary documents have been ordered and our legal department will move
forward with this matter. If Ms. [redacted] would like to call in and amicably satisfy the unpaid
balance with the head of the legal department. she may do so by calling [redacted] at [redacted] 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. We take these complaints very
seriously. If Ms. [redacted] has any further questions or if we may be of any further assistance. please
feel free to contact [redacted] or by emai at[redacted]
With Regard,
[redacted]
Compliance Officer
Premium Receivables

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 22, 2015...

regarding a complaint submitted by Ms. [redacted] [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. On February 2, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. [redacted] account ending in #[redacted], which she opened on July 19, 2010 and paid on until September 8, 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 via our document mailing service, Compumail to Ms. [redacted]’s last known address in Spring, Texas.  Our agents first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her Jared account on March 16, 2015; albeit unsuccessful as each call resulted in leaving messages on voicemails.  Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms. [redacted] employer prohibited calls, our agent contacted her at her place of employment on April 7, 2015. The initial conversation simply consisted of our representative first identifying himself and Ms. [redacted] then hanging up. The second and final dialogue between Premium Receivables and Ms. [redacted] was fairly short as well. Our representative identified himself, our company, and the reason we were contacting Ms. [redacted]. She was extremely hostile, informed us she would be complaining to the Revdex.com, and advised us not to call her at work for the first time on April 17, 2015.  Unfortunately, Ms. [redacted] would not cooperate with our representative and the call was terminated. This was the only actual conversation between Ms. [redacted] and Premium Receivables as we were never able to reach her again.   Ms. [redacted] mentions in her complaint that we refused to inform her as to why we were calling which is completely without merit. Furthermore, not once did Premium Receivables’ agents call Ms. [redacted]’s place of business and falsely represent themselves. We understand that there are always two sides to every story, thus we do 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.We take all complaints seriously here at Premium Receivables and we apologize for any inconvenience we have caused Ms. [redacted].   In an attempt to resolve this matter amicably, we have closed Ms. [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]@platinumholdings.comWith Regard,[redacted]Chief Compliance OfficerPremium Receivables, LLC  A Platinum Holdings Group LLC Company [redacted]@platinumholdingsllc.comPhone: [redacted]

Better Business...

Bureau                                     ...⇄        May 12, 2015 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 correspondence dated April 28, 2014 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 office. While we have reached out to Ms. [redacted] by 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 March 9, 2014, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. ([redacted]’s  Jared account ending #[redacted], which she opened on May 21, 2008 and paid on until April 29, 2010. Subsequently, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation Letter to Ms. [redacted]’s last known address in Crosby, Texas.  Our agents first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her Jared account on March 16, 2015, however were unsuccessful as each call resulted in leaving messages on voicemails. 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 Ms. [redacted] would receive our messages. Additionally, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms. [redacted]’s employer prohibited calls, our agents left a message at her place of employment. However, pursuant to 15 U.S. Code § 1692c(c)  – COMMUNICATION IN CONNECTION WITH DEBT COLLECTION, our representatives were unable to leave any account details when leaving messages which may be overheard by unrelated Third Parties. The first conversation our agents had with Ms. [redacted] she pretended to be a third party, claimed that [redacted] formally known as [redacted] was not in and took down a message. It became evident we were actually speaking to Ms. [redacted] after listening to each recording. The second and last time Premium Receivables was able to speak to Ms. [redacted] she immediately became upset and only miscommunication transpired before Ms. [redacted] decided to hang up.  While we understand the concept of harassment is subjective, we understand that there are always two sides to every story as well and we 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 Ms. [redacted] with a resolution, we have removed and closed her Jared account from ALL of our Active databases to prevent further contact. Ms. [redacted] is welcome to contact our compliance department personally by phone at [redacted] or by email at [redacted].com should she desire to resolve her outstanding obligation or if she has any additional questions, comments or concerns.                                          ...⇄   With Regard,       [redacted] Compliance Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted].com Phone: [redacted]

We are in receipt of the consumer’s complaint submitted to the Revdex.com and while we want nothing more then to provide the Revdex.com with a response to Mr. [redacted]’s complaint to shed light on what truly transpired, we...

find our hands tied as Mr. [redacted] filed a law suit against our company.  
At the advice of our Legal Counsel, we can not currently comment on the account or what transpired. Therefore, at this point in time, we can not provide the Revdex.com with a Response other than to say the account has been closed and Mr. Antonio has not been contacted.  
This matter is out of our control and we sincerely hope the Revdex.com understands our position and does not penalize our company.    
If you have comments, questions or concerns, please feel free to contact me at ###-###-####.
 
With Warm Regard,
 
[redacted]
Chief Compliance Officer

After receiving your correspondence 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]’s statement and her account in our office.  
 On June 4, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC Furniture Row account ending #[redacted], which she opened on July 28, 2008 and paid on until February 7, 2011. Ms. [redacted]’s account finally charged off on September 30, 2011 with an outstanding balance of $5,188.08.
After purchasing, Platinum Holdings Group, LLC placed Ms. [redacted]’s account with Premium Asset Services, LLC, whom began attempts to contact Ms. [redacted] regarding her outstanding account Balance beginning on August 4, 2014. Under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were also left with third-parties in hopes Ms. [redacted] would receive notice of our attempts to communicate. Once able to speak with Ms. [redacted] she showed no interest or ability to settle her debt due to personal hardships. Throughout the conversation misunderstanding occurred and the call was ended. Although other agents attempted to reach Ms. [redacted] no resolution could be met and her account was removed from our collection floor as of August 27, 2014. Eventually Ms. [redacted]’s account was sold to another third party collection agency called Accelerated Portfolio in March 2015.
Though some inconsistences were found within Ms. [redacted]’s complaint and our internal records; 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] is actually no longer with the company. We apologize for our delayed response as this complaint was not properly received within our offices until much later than it was filed. Furthermore we would like to 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]’s complaint, we would like to assure her that her HSBC Furniture Row account has in fact been removed from ALL Active databases within our offices to prevent further contact. Ms. [redacted] is welcome to contact me personally should she have any additional questions, comments or concerns.    
With Regard,
[redacted]Compliance Officer
Premium Asset Services, LLC
A Platinum Holdings Group, LLC Company
[redacted]@platinumholdingsllc.com
Phone: (714) 316-2740

Dear [redacted]: We are in receipt of your correspondence dated March 18.2014, regarding a
rebuttal to our response to Mr. [redacted]. Mr. [redacted]'s still alleges that Premium Asset Services, LLC performed an
unauthorized inqury on his credit report is false. Pursuant to our Rights under the FCRA,
os the LEGAL TITLE BEARING OWNER of Mr. [redacted]'s Orchard Bank Account ending [redacted]
we are well within our Rights to legally run his report as a collection inquiry. Furthermore,
our company has performed our Due Diligence by mailng Mr. [redacted]'s fist
Notice/Validation letter to his address on 2nd Street In Los Angeles, California back in
August 2013 which advised him of our Collection attempts. Mr. [redacted] has failed to
either Dispute or Request Validation within the 30 day Validation period. We wanted to provide Mr. [redacted] with a resolution because our credit bureau
inquiry was well within the scope of the low I am unable to remove it from his credit
report. However as we mentioned in our previous response, Mr. [redacted]'s account has
been closed In our office. Mr. [redacted] Is welcome to contact the Chief Compliance Officer personally at by
phone at [redacted] or by email at [redacted] If he has any
additional questions comments or concerns.
With Regards,

October 29, 2015 Revdex.com
Aparajita, sans-serif;"> Serving San Diego, Orange & Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123-1688 Attention: [redacted] Re: [redacted]; Complaint ID - [redacted] After receiving your correspondence dated October 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 examination conducted within Platinum Holdings Group, LLC with regard to Ms. [redacted]’s statement and her account in our office.    On September 1, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s American Web Loan account ending #[redacted], which she opened on September 4, 2014 and had charged off only two months later on November 4, 2014.  Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding account Balance on September 2, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Altomonte Springs, Florida which fully described her account.  Our representatives first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her account; however they could only leave 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 Ms. [redacted] would receive our messages. Finally on October 6, 2015 our agents received a returned call from Ms. [redacted]. Ms. [redacted] then requested we send he something by mail while showing no interest in settling her debt. Our representative attempted to describe Ms. [redacted]’s account information however she showed no concern and the call was terminated. The last conversation Premium Asset Services, LLC had with Ms. [redacted] our agent tried seeking Ms. [redacted]’s attorney’s information as she had claimed to have obtained one. Ms. [redacted] refused to provide the attorney information and notified our representative she had submitted a complaint to the Revdex.com; the call was ended. 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 within the complaint written by Ms. [redacted] we recognize her request for the Original documents associated with her American Web Loan account. Unfortunately, as a debt purchaser, the standard debt “Verification” is not always readily available, or in some cases, accessible.  Nevertheless, we have submitted a request to the company from which we purchased Ms. [redacted]’s account, who will subsequently need to request from the prior owner, etc. - All of which can a lengthy process. Although we have formally submitted the request for Verification documentation, which we will forward immediately upon receipt; kindly note, for the reasons stated above we are unable to guarantee the timeframe of receipt. Nevertheless, we do apologize for any inconvenience our offices may have caused Ms. [redacted] and furthermore, in order to provide Ms. [redacted] with a resolution, we have removed and closed her American Web Loan account from ALL Active databases within our offices to prevent further contact. Ms. [redacted] is welcome to contact me, [redacted] La [redacted], via e-mail at [redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns.   With Regard, [redacted] La [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.com Phone: (714) [redacted]

We are in receipt of your notification regarding Ms. [redacted] dissatisfaction with our initial response to her original complaint. I have reviewed Ms. [redacted] statement and I would like to clarify some apparent misinterpretations of my first response. Premium Asset Services did in fact send Ms. [redacted] a settlement letter stipulating specific arrangements however these arrangements were never fulfilled. Instead, Ms. [redacted] decided to send in payments, in the amounts and on the dates, she elected for herself. To resolve this matter our offices decided to honor Ms. [redacted] efforts and eventually closed her account as Paid in Full as of May 11, 2017 after receiving a final payment in the amount of $57.95. Again, Ms. [redacted] mentions her belief that she overpaid on this account however as previously mentioned once Ms. [redacted] account was charged off with a balance of $617.50 it began to accrue late fees and interest which is why she owed and paid our offices a higher balance than she may have found appropriate however it is standard procedure in the collection industry. This being said, a refund will not be provided. Lastly, the letter I referred to in my previous response was Ms. [redacted] Paid in Full zero balance letter which I not only included with my first response but also mailed directly to Ms. [redacted] home address listed on her complaint. Ms. [redacted] is welcome to contact me personally should she have any additional questions, comments or concerns.    With Regard,   [redacted] Compliance Officer

We are in receipt of your communication regarding a complaint submitted to your office by Ms. [redacted].   I have investigated the matter internally and carefully reviewed the allegations made in Ms....

[redacted]’s complaint.   Pursuant to the results of my investigation, which includes reviewing all the recorded phone calls and the account documentation, it appears as though Ms. [redacted]’s allegations are false, misleading and without merit. Pursuant to 15 U.S. Code § 1692g – vALIDATION OF dEBT,  Premium Receivables, a California based debt buyer,  mailed the First Notice/Validation letter to Ms. [redacted]’s home address in Merritt Island, FL.   Under the assumption she had received our written communication, and after unsuccessful attempts to contact Ms. [redacted] at home, pursuant to Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, our representatives then attempted to call third parties requesting the message be relayed.   Subsequently, Ms. [redacted] contacted our office and our representative proceeded to advise her of the outstanding balance still left on her HSBC Master Card account.    At no point during the conversation did our representative say what Ms. [redacted] alleged in her complaint nor did our representative tell her to “SHUT YOUR MOUTH AND LET ME TALK!”.  In order to validate these facts, as part of our investigation, our internal monitoring and recording system was researched and all calls made in reference to Ms. [redacted]’s account were pulled and reviewed          Nevertheless, we apologize for any perceived, alleged misconduct by our representatives and for any inconveniences caused - we have removed Ms. [redacted]’s account from open collections.   I welcome Ms. [redacted] to contact me directly at [redacted] upon receipt of this letter if she requires further assistance in resolving this matter.   If you have any further questions or concerns, or if I may be of further assistance please feel free to me by phone at (714)845-3620 or via email at [redacted]@premiumassetsvs.com.     With Regard,

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]We are in receipt of the submission of Ms. [redacted]’s complaint.  Immediately...

upon receipt of the complaint, a thorough internal investigation regarding this account was launched and a Consumer Resolution Letter was mailed to Ms. [redacted]’s home address. Although I have not received a response, I have reviewed both the details of Ms. [redacted]’s complaint and thoroughly analyzed all matters surrounding the account we have here in our office.  According to my investigation, it appears as though Ms. [redacted]’s allegations are without merit, and below is a summary analysis of our internal audit.Premium Receivables, LLC, a debt buyer based in California, was sold Ms. [redacted]’s HSBC’s Best Buy Internet Account ending in #9233 on November 6, 2014.   Pursuant to 15 U.S. CODE § 1692G – VALIDATION OF DEBT,  the First Notice/Validation letter, which provides all of the aforementioned Original Creditor and account information, was mailed to Ms. [redacted]’s home address in Miami, FL;  No Returned Mail was noted on the account.      Our agents attempted to reach Ms. [redacted] by telephone calling the numbers associated with her HSBC Best Buy account.  Although approximately a half dozen attempts were made over the course of 6 weeks, Ms. Harris never returned a call.   Therefore, pursuant to Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were left with other third-parties in hopes Ms. [redacted] would return our call.  Section 804 of the FDCPA Acquisition of Location Information identifies and encompasses calls to employers.  While we never spoke with Ms. [redacted] directly, we had attempted to reach her at her place of employment.  At no time were we advised that the consumer’s employer prohibited such calls, nor did we ever represent ourselves as Process Servers.  In order to substantiate these facts stated above, our internal monitoring and recording system was researched and all calls referencing Ms. [redacted]’s account were pulled and reviewed. While we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA.  Nevertheless, we do apologize for any inconvenience caused and in an effort to provide Ms. [redacted] with a resolution to this complaint; we have closed her account in our office.  While her balance will remain as UNPAID, she will no longer receive calls regarding her HSBC Best Buy account from any company associated with us here at Platinum Holdings Group.Should you have any further questions or concerns, or if I may be of further assistance please feel free to contact me by phone at (714)[redacted] or email at d[redacted]@premiumreceivables.com.With Regard,[redacted] M. [redacted]Chief Compliance OfficerPlatinum Holdings Group, LLC d[redacted]@platinumholdingsllc.comPhone: (714) [redacted]
[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] We are in receipt of your correspondence dated April 17, 2014 regarding Mr. 
[redacted]'s unsatisfactory complaint resolution/.
According to our account records the only number associate with Mr. [redacted], ([redacted] was removed. We can assure all that Mr. [redacted] hasn't received
any phone calls from our office, as the last cell was made on March 28, 2014. Please
note, we received this Revdex.com complaint on March 31, 2014
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.
      If you have any further questions or concerns, or if I may be of further assistance,
please feel free to contact [redacted] *. [redacted] at [redacted] or by email at
[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]

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 notification dated May 21, 2015 regarding a complaint your office...

received from Ms. [redacted]. I have reviewed Ms. [redacted]’s statement, and our company is still in the process of conducting a thorough internal investigation regarding her account in our office. Therefore, the following will summarize the context of my internal investigation to date.     On March 9, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. [redacted]’s J[redacted] account ending #[redacted], which she opened on November 18, 2005 and paid on until March 6, 2009. Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms. [redacted]’s home address in  Wyandotte, Michigan which details all of the aforementioned Original Creditor and account information.    Operating under the assumption our written communication was received by Ms. [redacted]; Premium Receivables began efforts to contact Ms. [redacted] regarding her outstanding debt at the telephone numbers associated with her J[redacted] account. This however was in initially ineffective therefore, pursuant to Section 803(7) and 805(a) (3), without having knowledge that Ms. [redacted]’s employer prohibited calls, our agent began attempting to reach her at her place of employment. Although Ms. [redacted] was no longer employed at the company it happened to be family owned and operated thus Premium Receivables was able to reach to Ms. [redacted]. Coincidently, Ms. [redacted] happened to be on site and able to speak with our agent. Unfortunately no settlement agreement could be reached and eventually we were in receipt of Ms. [redacted]’s complaint.   In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. We take all complaints seriously here at Premium Receivables, LLC and we have and do apologize for any misconduct by our representatives and for any inconvenience we have caused Ms. [redacted]. Ms. [redacted] our Vice President of Compliance has contacted Ms. [redacted] and the two are currently working together in an effort to resolve not only Ms. [redacted]’s complaint but her outstanding account as well.   In an attempt to resolve this matter amicably, we have removed Ms. [redacted]’s J[redacted] account from our collection floor. Ms. [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 BB* and or Ms. [redacted] should feel free to please contact [redacted] M. [redacted] at (714) [redacted] or by email at d[redacted]@platinumholdings.com. We thank you for your time and bringing this matter to our attention providing us the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well.       With Regard,     [redacted] Compliance Officer Premium Receivables, LLC Platinum Holdings Group, LLC [redacted]@platinumholdingsllc.com Phone: (714) [redacted]

After receiving your correspondence 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 [redacted], LLC with regard to Ms. [redacted]’s statement and her account in our office.  
 On May 5, 2014, [redacted], LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC Bank [redacted] account ending #[redacted], which was opened on July 10, 2008 and paid on until March 19, 2010.
Consequently, our agents with Premium Receivables, LLC, a [redacted], LLC Company, attempted to contact Ms. [redacted] regarding her outstanding account Balance beginning May 16, 2014.  Our agents first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her HSBC [redacted] account however were unsuccessful as each call resulted in leaving messages on voicemails. Therefore no contact was ever made between Ms. [redacted] and our agents.   
As a debt purchaser, the standard debt “Verification” is not always readily available, or in some cases, accessible.  Nevertheless, we have submitted a request to the company from which we purchased Ms. [redacted]’s account, who will subsequently need to request from the prior owner, etc. - All of which can a lengthy process. Although we have formally submitted the request for Verification documentation, which we will forward immediately upon receipt; kindly note, for the reasons stated above we are unable to guarantee the timeframe of receipt.
In order to provide Ms. [redacted] with a resolution, we have removed and closed her HSBC Bank [redacted] account from ALL Active databases within our offices to prevent further contact. Additionally we would like to apologize for our delinquent response. Unfortunately, our offices were unaware of the status of Ms. [redacted]’s complaint until recently. Should any additional questions, comments or concerns arise Ms. [redacted] is welcome to contact me personally by telephone at (714) 316-2740 or via e-mail at [redacted]@platinumholdingsllc.com.     
With Regard,
[redacted]Compliance Officer
Premium Receivables, LLC
A [redacted], LLC Company
[redacted]@platinumholdingsllc.com
Phone: (714) 316-2740

To Whom It May Concern:
We are in receipt of your correspondence dated February 18, 2014, regarding a
complaint submitted to your office by Ms. [redacted]. I have reviewed the details
of the complaint and investigated the account associated with Ms. [redacted] in...

our
office.
The allegations made by Ms. [redacted] are exaggerated at best. Our
representatives do not use the tactics detailed In Ms. [redacted]'s complaint. Furthermore,
Ms. [redacted] never spoke directly with Ms. [redacted], so I am unsure as to how or why Ms.
[redacted] was even named In this complaint. Sending an employment verification form to
Ms. [redacted]'s employer rs well within our rights under the FDCPA as It Is o means of
acquisition of location Information; the debt was not discussed with her employer.
In regards to the settled debt that Ms. [redacted] alluded to in her complaint, we
would have been happy to close the account and contact the company that sold us
the debt if Ms. [redacted] would have provided us with any sort of proof that this debt had
been settled with the original company, US Bank. Regardless, we do understand that there are always two sides to every story and
we apologize for any Inconvenience to Ms. [redacted]. We have closed her account in our
office. If Ms. [redacted] would like to provide us with the aforementioned proof of payment
to US Bank, we can submit that Information to the company that sold us her account
and ihls can assist Ms. [redacted] In ensuring that no other company will contact her
regarding this debt In the future. If Ms. [redacted] chooses not to provide that information
directly to us, we suggest that she speak with US Bank and have them cease collections
on an account that has already been paid to them. Again, we apologize and we thank
Ms. [redacted] for taking the time to Inform us of the matter ct hand.
If you have any further questions or concerns. or If I may be of further assistance
please feel free to contact me at ###-###-#### or email at
[redacted]@platlnumholdlngsllc.comWith Regard,
[redacted]
Compliance Officer
Premium Receivables, LLC

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated October 8, 2015 regarding a complaint your office received from Ms. [redacted] formally known as [redacted] 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. [redacted]’s statement and her account in our office.    On October 6, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC Orchard Bank MasterCard account ending #[redacted] which she opened on November 9, 2005 and paid on until December 20, 2007. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding debt on September 22, 2015 at the telephone numbers associated with her account. In addition, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Middleburg which explained her account in detail.  Our representative was successful in reaching Ms. [redacted] right away and once verifying she was in fact speaking to the correct party our agent began describing the details of Ms. [redacted]’s HSBC account to her while requesting possible arrangements she would feel comfortable making. Ms. [redacted] explained her current living and financial situation’s and offered small payments to pay off her large debt. In an effort to assist Ms. [redacted] 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 balance. After discussing various possibilities, Ms. [redacted] finally agreed upon a settlement she expressed was both manageable and fair. Once 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. [redacted] was not willing to provide her personal banking information. Finally a supervisor took over the call to express Premium Asset Services, LLC’s reasoning for such requirements. Consequently Ms. [redacted] placed her husband on the phone; he showed no interest in compromise and the call was terminated. The following day our agent contacted Ms. [redacted] for a second time to explain other options for providing payment such as a prepaid credit card. Ms. [redacted] 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. [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. 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.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 Officer

[redacted] and [redacted] both are rude people. First to start off [redacted] called me threatening wage garnishments and also asking questions on a car purchase and where do I get money from. He also pulled a copy of my credit report without permission. I can see how this company has so many complaints and I will look into what I can do regarding harassment and/or credit report being reviewed. I get threatening calls daily, several times a day.

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 correspondence dated May 26, 2015 regarding a...

complaint your office received from Ms. [redacted]. I have reviewed the details of the complaint and thoroughly investigated the matter here in our office. Premium Receivables, a debt buyer purchased Ms. [redacted]’s [redacted] account, ending in [redacted], on April 15, 2015. Pursuant to 15 U.S. CODE § 1692G – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms. [redacted]’s home address in Red Bluff, California which advised her of the outstanding balance. After a lack of response or dispute received by Ms. [redacted], our representatives attempted to contact her with the intent to resolve her outstanding debt. Under the assumption our written communication was received, and after unsuccessful attempts to contact Ms. [redacted] at home, pursuant to Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, our representatives then attempted to call third parties in an effort to relay a message. Our agents were finally able to speak to Ms. [redacted] with knowledge of whom they were speaking to on May 19, 2015 when she answered her phone, “This is [redacted],” and our agent confirmed it was in fact [redacted]. Once our representative began trying to explain the reason for his call Ms. [redacted] hung up. A second conversation occurred on May 21, 2015 in which Ms. [redacted] was rude and argumentative and the call was ended. Ms. [redacted] later called Premium Receivables requesting our company information of which was given to her without hesitation. She then began explaining that her intentions were to request her debt be redirected to the original creditor and began using vulgar language. Ms. [redacted] continued to show no interest in paying her outstanding balance. After exhausting all efforts, Ms. [redacted]’s account was removed from our collection floor to prevent further confrontation. We take complaints very seriously here at Premium Receivables and in no way do we condone calls to be handled in the manner described by Ms. [redacted]. Although we have thoroughly investigated this matter internally, we were unable to validate all of the allegations made by Ms. [redacted].  Nevertheless, we have formally addressed the allegations with our employees and in an effort to maintain the FDCPA compliancy, required those involved to attend recertification classes on the FDCPA and proper Telephone Communication. Our company is well versed in the FDCPA and other state and local collection regulations and our representatives are required to obey and adhere to all collection laws governed by the FDCPA, the FTC, and the Attorney General.  We appreciate the feedback that Ms. [redacted] has provided us with. Although Ms. [redacted] will no longer receive calls from our company, as we have stopped all collection efforts on her account, this [redacted] debt may still be reflected on her credit report by the original creditor. However if Ms. [redacted] has any interested in resolving this obligation and improving her credit rating, she is welcome to contact my director, [redacted], directly at (714) [redacted] or email at d[redacted]@premiumreceivables.com.    With Regard,   [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group LLC Company [redacted]@platinumholdingsllc.com Phone: (714) [redacted]