Premium Asset Services LLC

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]

Re: [redacted]; Complaint ID- [redacted]We are in receipt of your letter dated September 9, 2015 regarding a complaint your office received Ms. [redacted]. Unfortunately I never received the original complaint however I have reviewed Ms. [redacted]’s...

statement from another complaint submitted to the CFPB, and conducted a thorough internal investigation regarding her account in our office.While I have reached out to Ms. [redacted], sending her a Consumer Complaint Resolution Letter offering our assistance in aiding to resolve her complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation.  On July 24, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s American Web Loan account ending #[redacted] which she opened on July 14, 2014 and paid on a mere two months with a final payment recorded on September 16, 2014.  Platinum Holdings Group, LLC subsequently assigned Ms. [redacted]’s account to our agents with Premium Asset Services, LLC whom began efforts to contact her regarding her outstanding American Web Loan account Balance. Premium Asset Services, LLC consequently mailed out a First Notice/Validation letter to her last known address in [redacted] Louisiana which detailed Ms. [redacted]’s said account. Our representatives began efforts to communicate with Ms. [redacted] at the telephone numbers associated with her American Web Loan account which included leaving messages at her place of employment and with third parties simply to relay a message to our consumer Ms. [redacted] in hopes we could speak to her directly. Later, the same day, on August 6, 2015 Premium Asset Services, LLC found themselves in receipt of a return phone call from Ms. [redacted]. After verifying whom they were speaking to by confirming the necessary personal information and reciting the [redacted] one of the directors from Premium Asset Services, LLC began explaining the details of Ms. [redacted]’s account and the reason for our calls. Ms. [redacted] initially seemed aware of the outstanding debt and inquired about her options. Devoid of interest in settling her outstanding debt Ms. [redacted] began expressing her frustration with regard to our attempts to reach her through her ex-mother-in-law and place of business. Ms. [redacted] then began requesting formal verification of her debt while expressing a lack of cooperation with our agent. After a continuance of miscommunication and an evident foreshadowing of Ms. [redacted]’s efforts to avoid paying her bill the call was ended and no other communications occurred.                                                                                                                                            In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. Pursuant to those recordings, at no time did our agents at Premium Asset Services, LLC ever threaten Ms. [redacted] as described or alleged in this complaint. While we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA.Nevertheless in order to provide Ms. [redacted] with a resolution, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me, [redacted], via e-mail at [redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve his outstanding obligation or if have any additional questions, comments or concerns.

We are in receipt of your correspondence dated March 20, 2014 regarding Mr.
[redacted]'s complaint of voicemails received. Upon cross-referencing the phone
number Mr. [redacted] listed on the complaint, an account for Ms....

C[redacted] was
located. Pursuant to the results of the Investigation, Mr. [redacted] has the address that was
linked to an account for Ms. C[redacted]. We do understand that receiving phone
calls for someone other than you can get frustrating and we apologize for any
inconvenience Mr. [redacted] may have been caused. In an attempt to resolve this matter,
we have removed Mr. [redacted]'s telephone number, [redacted], from our
calling database. Therefore, I can assure Mr. [redacted] that he will not be receiving phone
calls from our office again. 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] M. [redacted] at ([redacted] or by email at
[redacted]
With Regard,
[redacted] [redacted]
VIce President of Compliance
Premium Asset Services, LLC

We are in receipt of your letter dated March 21, 2014 regarding a complaint submitted
by Mr. Percy [redacted] III to your office. I have investigated the matter internally and carefully
reviewed the allegations made by Mr. [redacted]...

in his complaint. Mr. [redacted] was contacted In regards to his US Bank account ending in [redacted]. Pursuant to 15
U.S. CODE 1692G- VALIDATION OF DEBT, we mailed the First Notice/ Validation letter to Mr. [redacted]
home address In T[redacted] on January 28, 2014. Our representative also provided him information
pertaining to his US BANK account during their conversation on February 3, 2014. As discovered
during the course of our investigation, Mr. [redacted] acknowledged ownership of the debt and
terminated the phone call. While we noted in the complaint, Mr. [redacted] stated that he was "unsure
or the debt''; by reviewing our recorded cells, we were able to confirm that his statement is false.
as he acknowledged the debt during that conversation. On February 21, 2014 we reached out to Mr. [redacted] in effort to make one final effort to
resolve his outstanding balance due to his US BANK account, we were however, unsuccessful in our
attempt. In closing, we do apologize for any alleged misconduct by our representatives and tor any
inconvenience we have caused Mr. [redacted] and his family. In an effort to provide him with a
resolution, we have closed his account in our office; therefore he will no longer be receiving calls
from Premium Receivables regarding his US Bank Account. If you have any further questions or concerns, or if we may be of further assistance, please
feel free to contact [redacted]. [redacted] at [redacted] or by email at [redacted]
With Regard,
[redacted]
Chief Compliance Officer
Premium Receivables, LLC

I have requested written documentation of the original purchase with the amount charged, the date and location of purchase. I have continually requested this information without success. Over the past 5 years I have hired an attorney and tried to work with [redacted] and several debt collectors to resolve this issue. I did not acquire the charges but cannot do much without the information I have requested over the past 5 years. 
 
 
etter Business Burea
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.
Regards,
[redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]We are in receipt of your notification regarding a complaint your office received...

from Mr. Jeffery [redacted]. I have reviewed Mr. [redacted]’s statement, and conducted a thorough internal investigation regarding his account in our office.While I have reached out to Mr. [redacted] by sending him a Consumer Complaint Resolution Letter offering my assistance in aiding to resolve his complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation.On February 2, 2015, Premium Asset Services, LLC, a debt buyer based in California, purchased Mr. [redacted]’s Jared account ending #2347, which he opened on September 26, 2009 and paid on until it was charged-off on September 26, 2011. Our company, Premium Asset Services, LLC, began efforts to contact Mr. [redacted] regarding his outstanding Jared debt, which was explained in detail in the First Notice/Validation letter mailed to his last known address in Little Elm, Texas the first week of February, 2015.  Our agents first attempted to communicate with Mr. [redacted] at the telephone numbers associated with his Jared account on February 11, 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 Mr. [redacted]’s employer prohibited calls, our agent our agent left a message at Mr. [redacted]’s place of employment on February 17, 2015. Subsequently, Premium Asset Services received an incoming call from Mr. [redacted]. Unfortunately Mr. [redacted] immediately became belligerent; hence our representative passed the call to his manager to handle the escalated matter. Mr. [redacted] repeatedly questioned “who we are” and “what this was about” and although our manager attempted to inform him, the information was not received by Mr. [redacted] and the call was terminated. While we understand that there are always two sides to every story, we do apologize for any alleged misconduct by our representatives. Although we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we do apologize for any inconvenience caused to Mr. [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. In order to provide Mr. [redacted] with a resolution, we have removed and closed his Jared account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact me personally by phone at (714) [redacted] or by email at D[redacted]@platinumholdingllc.com should he desire to resolve his outstanding obligation or if he has any additional questions, comments or concerns.   With Regard,[redacted] M. [redacted]Chief Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company d[redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I am not completely satisfied with the offer.  I am requesting that not only my home telephone number [redacted] be deleted from their database, but also my personal cell phone number ([redacted] deleted as well.]
Regards,
[redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]; Complaint ID – [redacted]After receiving your correspondence dated November 17, 2015 regarding a complaint your office received...

from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the full investigation conducted within Platinum Holdings Group, LLC with regard to Ms. [redacted]’s statement and her account in our office.    On November 12, 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 December 12, 2014 and had charged off only a single month later on January 20, 2015 with an outstanding balance of $2,010.80. Consequently, our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, attempted to contact Ms. [redacted] regarding her outstanding account Balance over the course of two days (November 17, 2015 - November 18, 2015). Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Center Barnstead, New Hampshire which fully described her account. In the process of trying to reach Ms. [redacted], without having knowledge that her employer prohibited calls, our agents made attempts to contact our consumer at her place of employment pursuant to Section 803(7) and 805(a)(3). Although our representatives left messages requesting return calls from Ms. [redacted] to Premium Asset Services, LLC; little communication occurred and therefore no resolutions were established.   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. Though some inconsistences were found; we sincerely apologize for any alleged misconduct 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 have taken necessary actions to prevent a similar instance from happening in the future. The representative’s that spoke with Ms. [redacted] have been counseled and additional training will not only be required but provided. We thank Ms. [redacted] for bringing this matter to our attention as it is our company’s goal to always provide effective service to our consumers while reaching fair resolution 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 have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me personally via e-mail at s[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

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 November 6, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC account ending #[redacted], which she opened on April 4, 2002 and paid until July 22, 2008 with an outstanding principal balance of $1,456.37.
Consequently, our agents with Premium Receivables, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms. [redacted] regarding her outstanding account Balance beginning December 3, 2014. Many attempts were taken over the course of three months 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 her. At no time were our representatives able to knowingly speak to Ms. [redacted].
In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted] account were pulled. Although Ms. [redacted] expresses her concern with our calls to her family, Premium Receivables, LLC was simply trying to reach our consumer and not once was able to communicate with her. Nevertheless, we apologize for any inconvenience we may have caused. Additionally our offices would like to apologize for our lack of a timely response; our receipt of Ms. [redacted]’s complaint was received rather delinquently. 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 have removed and closed her HSBC account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me personally by telephone at [redacted] or via e-mail at [email protected] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns.
With Regard,
[redacted]
Compliance Officer
Premium Receivables, LLC
A Platinum Holdings Group, LLC Company
[email protected]
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. Thank You so much for your help in this matter.Just wanted
it to be known that none of my allegations were false. As of this date, I have never received any documentation from  Premium Receivables.
Regards,
[redacted] Jr.

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]

We are in receipt of your letter dated May 9, 2014 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] received. To summarize, our company, Premium Asset Services, attempted to
contact Ms. [redacted] regarding her WEISFIELD Account ending in #[redacted] which she opened
May 30, 2008. 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
representatives. In 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 cease. We appreciate Ms. [redacted] bringing this matter to our
attention: her statement has been noted and addressed with the individuals responsible. Our 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 CFPB. 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]
Thank you.

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, 2017 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. The following will summarize the context of my internal investigation. On 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, 2015 and soon had charged off on August 18, 2015 due to delinquency with a balance of $1,386.00.  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, 2017. 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 employment. Additionally, 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 options. Ms. [redacted] agreed she would call back the next day however since our representative had not heard back from her he decided to follow up himself. Ms. [redacted] became upset and claimed to she had an attorney yet refused to provide her attorney’s information. No 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, accessible. However, 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 process. Although 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 receipt. Despite our discovery of inconstancies with Ms. [redacted]’s complaint, 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. To provide Ms. [redacted] with a resolution, we have removed her account from our collection floor to prevent further contact from our agents. Ms. [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) 316-2740

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]

We are in receipt of your notification dated February 16, 2018 regarding a complaint your office received from Ms. [redacted]. I have reviewed Ms. [redacted] statement, and conducted a thorough internal investigation regarding her account in our office. The following will summarize the context of my...

internal investigation. On June 25, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted] Everest Cash Advance account ending #9910, which she opened on May 9, 2012 and soon had charged off on October 7, 2012 due to delinquency with a balance of $617.50.  Once in possession of Ms. [redacted] account, Platinum Holdings Group subsequently assigned the account to an in-house collection department, Premium Asset Services, LLC. Premium Asset Services first began efforts to reach Ms. [redacted] regarding her outstanding debt on September 3, 2015. Although a formal settlement arrangement was never agreed upon Ms. [redacted] decided to begin sending payments in to our offices and continued to do so through May 2017. As of May 11, 2017, Ms. [redacted] account was marked as Paid in full in our offices and therefore she should not be receiving calls from any other agencies. We, Platinum Holdings Group, are the last known legal “Owner of Record” for Ms. [redacted] account. To provide Ms. [redacted] with a resolution, we have included her paid in full Zero Balance letter. With this documentation Ms. [redacted] should be able to remove this account from her credit bureau if in fact it is still being reported by the original creditor. I can assure Ms. [redacted] that our offices never have reported to the credit bureaus therefore we would not have anything to remove on our end. Furthermore, should Ms. [redacted] continue to receive calls from another agency I can say with confidence that they are in possession of her account illegally and I would advise her to provide them with our Zero Balance letter as well as a Cease and Desist letter to prevent further contact. Finally, I would like to add that 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.     Ms. [redacted] is welcome to contact me personally should she have any additional questions, comments or concerns.    With Regard,   [redacted] Compliance Officer

Re: [redacted] C [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] we began an internal investigation. The 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 #[redacted], which she opened on August 25, 2008 and paid on until it was charged off on April 30, 2009. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding HSBC account Balance on September 2, 2015. 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 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 September 23, 2015 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 record. Ms. [redacted] then requested we send he something by mail while showing no interest in settling her debt. Our 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 resolution. Premium 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 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] 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]

Revdex.com Serving San Diego, Orange & Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123-1688 Attention: [redacted]   Re: [redacted]; Complaint ID- 1060984   We are in receipt of your notification dated May 7, 2015 regarding a complaint your office...

received from Ms. [redacted] ([redacted]). I have reviewed Ms. [redacted]’s statement, and conducted a thorough internal investigation regarding her account in our office. Therefore, the following will summarize the context of my internal investigation.     On March 9, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s JB [redacted] account ending #[redacted], which she opened on December 30, 2009 and paid on until June 1, 2011. Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms. [redacted]’s home address in  Mobile, Alabama which details all of the aforementioned Original Creditor and account information.  Operating under the assumption our written communication was received by Ms. [redacted]; Platinum Holdings Group began efforts to contact Ms. [redacted] regarding her outstanding debt at the telephone numbers associated with her JB [redacted] account. This however was in effective as Ms. [redacted] was at work. 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. Finally, on May 5, 2015 one of our agents was able to speak with Ms. [redacted] regarding her outstanding balance. Once our representative began explaining the details of Ms. [redacted]’s JB [redacted] account, more specifically her outstanding balance, she became distraught and claimed she had not received our written correspondence. Our representative tried to clarify with Ms. [redacted] we had in fact sent a letter to her and had not been in receipt of return mail which led us to believe she had in fact received our written notification. Unfortunately, Ms. [redacted] was adamant she had not received any written statements from our company and demanded we contact her solely via mail. Our agent then informed Ms. [redacted] we would not be calling her again, as she had requested.     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. While we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA.  Nonetheless, we take all complaints seriously here at Platinum Holdings Group, LLC and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Ms. [redacted].   In an attempt to resolve this matter amicably, we have removed Ms. [redacted]’s JB [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 Revdex.com and or Ms. [redacted] should feel free to please contact [redacted] M. [redacted] at [redacted] or by email at [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 Platinum Holdings Group, LLC [redacted]@platinumholdingsllc.com Phone: [redacted]

We are in receipt of your correspondence dated March 20, 2014, regarding a complaint
submitted by Ms. [redacted]. I have reviewed the details of Ms. [redacted] 's complaint and
the details surrounding her account in...

our office. Our company does not allow a representative to
conduct themselves in the manner described and I can assure Ms. [redacted] that this matter will
not go unnoticed. I have closed Ms. [redacted] 's account in our office in order to prevent any
further contact from our representatives. If Ms. [redacted] has any further questions or concerns, I welcome her to contact the
Diroctor of Compliance in our office. Danielle Revis at [redacted] or via email at
[redacted]
With Regard,
[redacted]
Compliance Officer
Premium Receivables

We are In receipt of your letter dated March 11, 2014 regarding two complaints
submitted by Mr. [redacted] to your office. I have Investigated the matter Internally
and carefully reviewed the allegations made by Mr. [redacted] In his complaint. This response is
intended to address both...

of Mr. [redacted]'s complaints. Mr. [redacted] was contacted In regards to his US Bank account ending In [redacted] that was
closed in 2008 and has an outstanding balance. He was given this information the first
time he spoke with one of our representatives on January 22. 2014. Prior to our speaking
with Mr. [redacted], we spoke with his employer in order to verify employment which is well
within our rights pursuant to the Acquisition of Location Information section of the FDCPA.
Mr. [redacted] made payment arrangements with our representatives and upon making these
arrangements. no further contact was made until he failed to honor the promised
payments. According to our records, our representatives were not told to cease calls to
Mr. [redacted]'s place of employment. In regards to the allegation that we mode several calls to his family members, this
is an exaggeration. Our records only indicate that Mr. [redacted]'s mother was called only
once and she informed representative that she would pass on a message to call our
office. Mr. [redacted] also states In one of his complaints that he was never provided a receipt.
Mr. [redacted] requested a letter from our office on February 24+h, 2014 and that letter was sent
to his email that day at 11 :38 am Pacific Standard Time. I am also sending Mr. [redacted] the
receipt request and a second letter from our office today, March 17, 2014. If Mr. [redacted]
would like fo continue to work out the matter of his outstanding US Bank Account, we
welcome him to contact our Compliance Department directly at ([redacted] within
14 days; we would be happy to assist Mr. [redacted] in resolving this matter. We do apologize for any alleged misconduct by our representatives and for any
inconvenience to Mr. [redacted] at all. If you have any further questions or concerns, or If we may be of further
assistance. please feel free to contact [redacted]. [redacted] or by email at
[redacted]
With Reagrd,
[redacted]
Compliance Officer
Premium Receivables LLC

This company has called me several times this week, leaving me messages that myself or my attorney needs to contact them ([redacted] ). When I returned the call I found out it was my brother they were looking for. I explained that I haven't seen my brother in years and if they find him to let me know since he owes me money. Today I receive a call from [redacted] and as I begin explaining that I don't no where to find him, to quit calling, etc , [redacted] gets quite hostile with me. I told her she was being very professional with me, to which she hung up on me. I called [redacted] to speak to a supervisor and he said he was. I asked to speak to someone else and he refused. When I called back to get their name and zip code however, [redacted] then did offer to allow me to speak to a supervisor. I declined and opted to file my complaint instead. I do not want to continue to be harassed by this company!