Premium Asset Services LLC

Re: [redacted] C [redacted] ; Complaint ID - [redacted] After receiving your correspondence dated October 8, regarding a complaint your office received from Ms [redacted] formally known as [redacted] we began an internal investigationThe following will describe our findings based off the full examination conducted within Platinum Holdings Group with regard to Ms [redacted] ’ statement and her account in our office On August 31, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] ’ HSBC [redacted] account ending #***, which she opened on August 25, and paid on until it was charged off on April 30, 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 2, Additionally, a First Notice/Validation letter was mailed to Ms [redacted] ’ last known address in Louisburg, Kansas which fully described her account Our representatives first attempted to communicate with Ms [redacted] ’ at the telephone numbers associated with her account however could only leave messagesTherefore, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were also left with third-parties in hopes Ms [redacted] would receive our messagesFinally on September 23, our agents were able to reach Ms [redacted] on the phone however she claimed she did not have a [redacted] account and especially not for the current balance we had on recordMs [redacted] then requested we send he something by mail while showing no interest in settling her debtOur representative offered Ms [redacted] any and all information regarding her account as she asked but after exhausting all efforts the call was ended with no resolutionPremium Asset Services never spoke with Ms [redacted] again.In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms [redacted] ’ account were pulled and reviewedWhile 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 contactMs [redacted] is welcome to contact me, [redacted] La [redacted] , via e-mail at [redacted] @platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns With Regard, [redacted] La [redacted] Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company [redacted] @platinumholdingsllc.comPhone: (714) [redacted]

class="qowt-font4-Aparajita" Aparajita ! After receiving your correspondence regarding a complaint your office received from MsSimitria [redacted] we began an internal investigationThe following will describe our findings based off the full investigation conducted within Platinum Holdings Group, LLC with regard to Ms [redacted] statement and her account in our office On October 2, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] account ending #7003, which she opened on October 13, and paid only a few months until February 9, Consequently, our agents with Premium Asset Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms [redacted] regarding her outstanding account Balance beginning November 17, Seven days of attempts were made between November 17, and December 3, however only messages could be left including with third parties, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, in hopes Ms [redacted] would receive notification of our efforts to reach herAt no time were our representatives able to knowingly speak to Ms***Furthermore due to a lack of notification regarding Ms [redacted] complaint for reasons unknown our attempts to reach her continued until we received a Cease and Desist letter on December 8, No further contact was made and Ms [redacted] account was immediately removed from our collection floor In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms [redacted] account were pulledAlthough our offices were simply trying to communicate with our consumer, we apologize for any inconvenience we may have causedAdditionally our offices would like to apologize for our lack of a timely response as our receipt of Ms [redacted] complaint was received rather delinquentlyOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney GeneralTo further resolve Ms [redacted] complaint, we have removed and closed her [redacted] account from ALL Active databases and Ms [redacted] is welcome to contact me personally by telephone at (714) 316-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

Re: [redacted] We are in receipt of your notification regarding a complaint your office received from Mrs [redacted] [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 Mrand 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 replyTherefore, the following will summarize the context of my internal investigation.Premium Asset Services, a debt buyer, purchased Mr [redacted] account, ending in ***, in October, Pursuant to U.SCODE § 1692G – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Mr [redacted] ’s home address in Clinton, Mississippi in early November, which advised him of the outstanding balanceAfter a lack of response or dispute received by Mr [redacted] , our representatives attempted to contact him with the intent to resolve his outstanding debtOur first attempt to contact Mr [redacted] via telephone was on November 6, 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 wifeOur representative gave Mr [redacted] the option to settle his debt for the low balance of $and Mr [redacted] agreed to call back to discuss this arrangementAfter not hearing back from Mr [redacted] our agent called him back on November 10, and simply left a voicemailOn November 12, 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 callMinutes after leaving a message on the phone number we believed to be Mrs [redacted] , Mr [redacted] ’s wife, we received a call back from herMrs [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 dayWhile we understand the concept of harassment is subjective, our agency and employees have conducted themselves professionally and within the guidelines of the FDCPAHowever, we would still like to take the time and apologize for any inconvenience we caused Mrand 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] .Mrand 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 concernsWith Regard, [redacted] ***Chief Compliance OfficerPremium Asset 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 belowI am satisfied with the fact that they have removed my account from their databaseHowever, the response from the company is not correctHow could I open an account in 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 thereThey also called and asked to speak to my HR department over and over againHR was calling me asking me to handle the matter because this company was harassing them as wellRegardless if it was a true debt or not is irrelevantThe law was broken many times while they were trying to contact me Regards, [redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave #San Diego, CA 92123-Attention: [redacted] Re: [redacted] ; Complaint ID- [redacted] We are in receipt of your letter dated August 24, regarding a complaint submitted by our consumer, Mr [redacted] , to your office I have investigated the matter internally and carefully reviewed the allegations made by Mr [redacted] in his complaint with regard to his accountBased on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are baseless and without merit On 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, and paid on until July 30, As we do with all new accounts, Pursuant to U.SCode § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr [redacted] ’s last known address in Grand Prairie, TexasSubsequently, our representatives with Premium Asset Services began attempts to contact Mr [redacted] on August 3, in an effort to resolve his outstanding balance however were unsuccessful therefore, pursuant to Section 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 consumerUnfortunately 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 collectionsIn 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 reviewedWhile 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 causedWe also apologize for any alleged misconduct by our representativesOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General In order to provide Mr [redacted] with a resolution, we have removed and closed his American Web Loan account from ALL Active databases to prevent further contactMr [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-

Re: Bradley [redacted] ; Complaint ID – [redacted] Upon arrival of your notification dated February 29, 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 investigationPlatinum 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 U.SCode § 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, 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 messagesTherefore, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were also left with third-parties in hopes Mr [redacted] would receive our messagesOur agents were finally able to speak with Mr [redacted] on February 23, in which only miscommunication occurredWhile 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 familyWe 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 futureThe 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 provideWe 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 representativesOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney GeneralIn order to provide Mr [redacted] with a resolution, we have removed and closed his [redacted] account from ALL Active databases to prevent further contactShould 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]

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

Revdex.com Serving San Diego, Orange & Imperial Counties sans-serif;">Viewridge Ave #San Diego, CA 92123-Attention: [redacted] Re: [redacted] ; Complaint ID- [redacted] We are in receipt of your letter dated August 24, regarding a complaint submitted by our consumer, Mr [redacted] , to your office I have investigated the matter internally and carefully reviewed the allegations made by Mr [redacted] in his complaint with regard to his accountBased on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are baseless and without merit On 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, and paid on until July 30, As we do with all new accounts, Pursuant to U.SCode § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr [redacted] ’s last known address in Grand Prairie, TexasSubsequently, our representatives with Premium Asset Services began attempts to contact Mr [redacted] on August 3, in an effort to resolve his outstanding balance however were unsuccessful therefore, pursuant to Section 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 consumerUnfortunately 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 collectionsIn 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 reviewedWhile 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 causedWe also apologize for any alleged misconduct by our representativesOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General In order to provide Mr [redacted] with a resolution, we have removed and closed his American Web Loan account from ALL Active databases to prevent further contactMr [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-

We are in receipt of your letter dated May 9, regarding a complaint your office received from Ms [redacted] Upon receipt of the complaint, a thorough internal investigation pertaining to this matter was launched and Ms [redacted] 's account was pulled from "active collections"I have carefully reviewed Ms [redacted] 's complaint and the results of our internal investigation and in no way to we condone an account to be handled in the manner Ms [redacted] receivedTo summarize, our company, Premium Asset Services, attempted to contact Ms [redacted] regarding her WEISFIELD Account ending in # [redacted] which she opened May 30, Our business with her was detailed In the First Notice/Validation letter sent to the address we have on file in [redacted] We sincerely apologize for any alleged, unintentional misconduct by our account representativesIn an attempt to provide Ms [redacted] with a resolution to her complaint We have closed her account and removed her telephone number from our database to ensure all calls to her to ceaseWe appreciate Ms [redacted] bringing this matter to our attention: her statement has been noted and addressed with the individuals responsibleOur company is well versed In the FDCPA, as well as state and local collection regulations and all employees are required to obey and adhere to the collection laws governed by the FDCPA, the FTC, the States Attorney Generals and the CFPBIf 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] Thank you

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 meritPursuant to U.SCode § 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-or via email at [redacted] @premiumassetsvs.com With Regard,

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] [redacted]

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 complaintWe 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 RecoveriesUpon receipt of Mr***'s complaint, I reviewed the details of her statement and thoroughly Investigated the account In our officePremium Asset Services, a debt buyer, purchased Mr***' s Orchard Bank account ending in [redacted] back in August We have no direct agreement with Mr ***, 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 companyhowever 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 accountWe did receive a Cease and Desist letter from Mr [redacted] on October 16, and have since ceased all communication with himThe 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 complaintRegardless, we do want to provide Mr [redacted] with resolution, therefore, we are closing his account in our officeIf he has any further questions, I welcome him to contact me directly at [redacted] or via email at [redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties Viewridge Ave #San Diego, CA 92123-Attention: [redacted] Re: [redacted] ***; Complaint ID - [redacted] We are in receipt of your correspondence dated May 26, 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 officePremium Receivables, a debt buyer purchased Ms***’s [redacted] account, ending in ***, on April 15, Pursuant to U.SCODE § 1692G – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms***’s home address in Red Bluff, California which advised her of the outstanding balanceAfter a lack of response or dispute received by Ms***, our representatives attempted to contact her with the intent to resolve her outstanding debtUnder 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 messageOur agents were finally able to speak to Ms [redacted] with knowledge of whom they were speaking to on May 19, 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 upA second conversation occurred on May 21, in which Ms [redacted] was rude and argumentative and the call was endedMs [redacted] later called Premium Receivables requesting our company information of which was given to her without hesitationShe then began explaining that her intentions were to request her debt be redirected to the original creditor and began using vulgar languageMs [redacted] continued to show no interest in paying her outstanding balanceAfter exhausting all efforts, Ms***’s account was removed from our collection floor to prevent further confrontationWe 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***Although we have thoroughly investigated this matter internally, we were unable to validate all of the allegations made by Ms*** 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 CommunicationOur 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 withAlthough 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 creditorHowever 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***@premiumreceivables.com With Regard, [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 complaintI have reviewed Ms [redacted] statement and I would like to clarify some apparent misinterpretations of my first responsePremium Asset Services did in fact send Ms [redacted] a settlement letter stipulating specific arrangements however these arrangements were never fulfilledInstead, Ms [redacted] decided to send in payments, in the amounts and on the dates, she elected for herselfTo resolve this matter our offices decided to honor Ms [redacted] efforts and eventually closed her account as Paid in Full as of May 11, after receiving a final payment in the amount of $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 $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 industryThis being said, a refund will not be providedLastly, 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 complaintMs [redacted] is welcome to contact me personally should she have any additional questions, comments or concerns With Regard, [redacted] Compliance Officer

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 toIn 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]

[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 Attention: [redacted] Re: [redacted] ; Complaint ID – [redacted] We are in receipt of your notification originally dated May 17, regarding a complaint your office received from Ms [redacted] I have reviewed Ms [redacted] ’s statement, and conducted a thorough internal investigation regarding her account in our officeThe following will summarize the context of my internal investigationOn May 1, 2017, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms [redacted] ’s American Web Loan account ending #9003, which she opened on July 20, and soon had charged off on August 18, due to delinquency with a balance of $1, Platinum Holdings Group subsequently assigned Ms [redacted] ’s account to our in-house collection agency Premium Asset Services, LLC, whom first began efforts to reach her regarding her outstanding debt on May 10, Pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms [redacted] ’s employer prohibited calls our agents made attempts to contact her at her place of employmentAdditionally, calls were made to third parties to reach our consumer Ms [redacted] The first time our agents spoke with Ms [redacted] she was provided with her account details and possible settlement optionsMs [redacted] agreed she would call back the next day however since our representative had not heard back from her he decided to follow up himselfMs [redacted] became upset and claimed to she had an attorney yet refused to provide her attorney’s informationNo further contact was made and once in receipt of Ms [redacted] ’s complaint her account was pulled from our collection floor As a debt purchaser, the standard debt “Verification” is not always readily available, or in some cases, accessibleHowever, we submitted a request to the company from which we purchased Ms [redacted] ’s account, who subsequently may need to request from the prior owner, etc- All of which can a lengthy processAlthough we have formally submitted the request for Verification documentation, and we will forward immediately upon receipt; for the reasons stated above we are unable to guarantee the time frame of receiptDespite our discovery of inconstancies with Ms [redacted] ’s complaint, we apologize for any alleged misconduct by our representativesOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney GeneralTo provide Ms [redacted] with a resolution, we have removed her account from our collection floor to prevent further contact from our agentsMs [redacted] is welcome to contact me personally should she desire to resolve her outstanding obligation or if she has 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) 316-

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] ***sI have reviewed the details of the complaint and thoroughly investigated the account associated with Ms***s, GarciaPursuant to the results of my investigation, Ms***'s complaint that WorldWide Recoveries, LLC performed an UNAUTHOROIZED and ILLEGAL inquiry on her credit report Is 100% without meritPursuant to our Rights under the FCRA, as the LEGAL TITLE BEARING OWNER of Ms***'s US Bank DDA Overdraft Bank Account ending [redacted] we are well within our Rights to legally run her report as a collection InquiryFurthermore, our company has performed our Due Diligence by mailing Ms***'s First Notice/Validation letter to her address [redacted] which clearly advises her of our Collection attemptsMs***'s has failed to either Dispute or Request Validation within the day Validation period, and our collection representatives have made several attempts to communicate with her in an effort to provide resolution to this outstanding balanceI have acknowledged Ms***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 DEBTwe did not ORIGINATE the DEBT hence the matter of fraud becomes mootAlbeit 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 reportHowever, 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] Chief Compliance Officer Worldwide Recoveries, LLC [redacted]

Re: [redacted] ***; Complaint ID - [redacted] After receiving your correspondence dated October 2, regarding a complaint your office received from Ms [redacted] we began an internal investigationThe following will describe our findings based off the thorough analysis conducted within Platinum Holdings Group with regard to Ms***’s statement and her account in our office On August 31, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms***’s HSBC Prime MasterCard account ending #***, which she opened on June 9, and paid on until February 26, leaving a balance of $3,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, Additionally, a First Notice/Validation letter was mailed to Ms***’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 accountOur 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 workingOn September 21, Ms [redacted] spoke to one of Premium Asset Services, LLC’s supervisors and was able to reach a settlement agreementOn September 29, Ms*** called our agent and requested we run her payment however her card was declinedOur representative explained it may have been an issue with her bank and he would give her a couple days if necessary to make the paymentMs [redacted] said she was going to visit her bank and call Premium Asset Services backAfter not hearing back from Ms [redacted] our agent attempted reaching her on October 1, 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 lineMs [redacted] also explained she was unable to get a loan with her bank and therefore no longer could or would pay her outstanding debtOur agents immediately removed Ms***’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***’s account were pulled and reviewedWhile 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 causedFurthermore, in order to provide Ms [redacted] with a resolution, we have removed and closed her HSBC account from ALL Active databases to prevent further contactMs [redacted] is welcome to contact me, [redacted] , via e-mail at [redacted] @platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concernsWith Regard, [redacted] Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company [redacted] @platinumholdingsllc.comPhone: (714) [redacted]

Re: [redacted] ; Complaint ID - [redacted] After receiving your correspondence dated October 8, regarding a complaint your office received from Ms [redacted] formally known as [redacted] Pullum we began an internal investigationThe 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, and paid on until December 20, 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, at the telephone numbers associated with her accountIn 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 makingMs [redacted] explained her current living and financial situation’s and offered small payments to pay off her large debtIn 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 balanceAfter discussing various possibilities, Ms [redacted] finally agreed upon a settlement she expressed was both manageable and fairOnce the said arrangement was determined our agent explained our requirement for representation for the future payments however because of past experiences with another company Ms [redacted] was not willing to provide her personal banking informationFinally a supervisor took over the call to express Premium Asset Services, LLC’s reasoning for such requirementsConsequently Ms [redacted] placed her husband on the phone; he showed no interest in compromise and the call was terminatedThe following day our agent contacted Ms [redacted] for a second time to explain other options for providing payment such as a prepaid credit cardMs [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 reviewedWhile 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 causedOur company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General.Furthermore, in order to provide Ms [redacted] with a resolution, we have removed and closed her HSBC account from ALL Active databases to prevent further contactMs [redacted] is welcome to contact me, [redacted] , via e-mail at [redacted] @platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concernsWith Regard, [redacted] Compliance Officer