Premium Asset Services LLC

February 22, 2017 Revdex.com Serving San Diego, Orange & Imperial Counties Attention: [redacted]   Re: [redacted]; Complaint ID – [redacted]           We are in receipt of your notification originally dated for February 14, 2017...

regarding the 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. Therefore, the following will summarize the context of my internal investigation. [redacted], a California based debt buyer, purchased Ms. [redacted]’s [redacted] account ending in #[redacted] on January 4, 2017. Ms. [redacted] had opened her [redacted] account on February 25, 2013 and it soon charged off on April 2, 2013 after no payments had been made leaving a balance of $1,140.00. Upon purchase, Ms. [redacted]’s account was placed with our internal collection division, Premium Asset Services, LLC, to resolve the debt. Our agents began efforts to contact Ms. [redacted] regarding her outstanding Balance on January 11, 2017. Despite our representatives’ many attempts to communicate with Ms. [redacted] only one occasion occurred in which one of our agents was able to speak to her regarding her account. On January 16, 2017, Ms. [redacted] called into Premium Asset Services after receiving a voicemail. Ms. [redacted] initially claimed she was unaware of the debt but agreed to contact American Web Loan in an effort to verify her debt. Our agent provided Ms. [redacted] with various specifics of her account and encouraged her to call back once she was able to verify all of the facts related to the account. Unfortunately, our agents were unable to speak with Ms. [redacted] again however throughout their efforts several occasions occurred in which her husband Mr. [redacted] answered the phone yet only miscommunication occurred and profane language was spoken to our agents. Once in receipt of Ms. [redacted]’s complaint her account was permanently removed from our collection floor. Although inconsistencies were found between the allegations in the complaint written by Ms. [redacted] and our internal records, we apologize for any inconvenience our offices may have caused. Furthermore, 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 an effort to provide Ms. [redacted] with a resolution, we would like to reiterate that her account will remain off our collection floor to prevent further contact. However, at this time, her account remains in an open status. Should Ms. [redacted] desire to settle her account or have any further questions, comments, or concerns she may contact me directly.          With Regard,     [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group LLC Company [redacted]@platinumholdingsllc.com Phone: ([redacted]

named-flow="FLOW-2">Re: [redacted]r; Complaint ID – [redacted]After receiving your correspondence dated October 27, 2015 regarding a complaint your office received from Ms. [redacted]r we began an internal investigation. The following will describe our findings based off the full investigation conducted within [redacted] Group, LLC with regard to Ms. [redacted]r’s statement and her account in our office.    On October 2, 2015, [redacted] Group, LLC, a debt buyer based in California, purchased Ms. [redacted] Loan account ending #[redacted], which she opened on July 16, 2014 and had charged off only two months later on September 26, 2014. Our agents with Premium Asset Services, a [redacted] Group, LLC company, began efforts to contact Ms. [redacted]r regarding her outstanding account Balance on October 5, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]r’s last known address in Bakersfield, California which fully described her account.  Throughout the month of October Premium Asset Services, LLC was able to have four conversations with Ms. [redacted]r; unfortunately, none of these discussions resulted in a resolution.   In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms. [redacted]r’s account were pulled and reviewed. While we have discovered some inconsistencies within the complaint written by Ms. [redacted]r we recognize her request for the Original documents associated with her [redacted] 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]r’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]r and furthermore, in order to provide Ms. [redacted]r with a resolution, we have removed and closed her [redacted] account from ALL Active databases within our offices to prevent further contact. Ms. [redacted]r is welcome to contact me, [redacted] La [redacted], via e-mail at sla[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 [redacted] Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted] Re: [redacted]; Complaint ID- [redacted] We are in receipt of your letter dated May 13, 2015 regarding a complaint submitted by our consumer,...

Mr. [redacted], to your office.   I have investigated the matter internally and carefully reviewed the allegations made by Mr. [redacted] in his complaint with regard to his account. Based on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are baseless and without merit.    On April 15, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Mr. [redacted]’s HSBC MasterCard account ending in #2719, which he opened on November 17, 2002 and paid on until May 7, 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 to Mr. [redacted]’s last known address in Carleton, Michigan.  Subsequently, our representatives made attempts to contact Mr. [redacted] on May 4, 2015 in an effort to resolve his outstanding balance however were unsuccessful. Fortunately, one of our representative’s was able to speak with Mr. [redacted] on May 7, 2015 and once verifying he was in fact speaking to the correct person our agent began explaining the details of Mr. [redacted]’s outstanding HSBC debt to him. Mr. [redacted] then claimed he believed he had already paid the balance of his account. Our agent then clarified as per Mr. [redacted]’s credit report he had in fact paid off a few accounts but this HSBC MasterCard was not one of them. Thus Mr. [redacted] requested a letter from our company detailing his outstanding debt. Our agent asked Mr. [redacted] for his e-mail address in order to send the necessary information and documented Mr. [redacted]’s updated contact information in our system. The call was ended and a letter was forwarded to Mr. [redacted]. As our representative had previously agreed to do with Mr. [redacted] he began efforts to contact him again with regards to the settlement letter Premium Receivables had e-mailed. Regrettably, our representative struggled to reach Mr. [redacted] again therefore, pursuant to Section 804 of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location Information, Premium Receivables attempted to contact third parties, as identified in the FDCPA as an effort to communicate with our consumer. Finally, Mr. [redacted] returned the calls of Premium Receivables once more on May 15, 2015 and again claimed he had previously paid off his account. Therefore our agent kindly requested proof of payment in order to close out Mr. [redacted]’s account in our office. Mr. [redacted] explained he had already contacted HSBC and was currently awaiting the proper information to forward to our company. Our agent apologized for the inconvenience and expressed our gratitude for Mr. [redacted]’s effort to submit the proper documentation to Premium Receivables. He asked for an approximate time line as to when the information should be received and explained we would contact him at a later date. The following business day May 18, 2015 we were in receipt of Mr. [redacted]’s complaint and removed his account from our collection floor.   Not once did Premium Receivables use deceitful techniques as described by Mr. [redacted] in his complaint. Furthermore, our agents did in fact attempt reaching Mr. [redacted] through third parties but only one conversation occurred with each of the named third parties in Mr. [redacted]’s complaint. While we understand the concept of harassment is subjective, our agency has conducted themselves professionally and within the guidelines of the FDCPA. Nonetheless, we take all complaints seriously here at Premium Receivables and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Mr. [redacted].   In an attempt to resolve this matter amicably, we have removed Mr. [redacted]’s HSBC account from our collection floor. I thank you for your time and bringing this matter to my attention providing me the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as 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 (714) [redacted] or by email at [redacted]@platinumholdings.com With Regard,  [redacted]Compliance OfficerPremium Receivables, LLCA Platinum Holdings Group LLC Company [redacted]@premiumassetsvs.com[redacted]

They are rude, threatening and have a overall non-professional attitude. This guy called me out of my name and didn't care less about your financial situation. They are not going to work with you, they want to threaten you in to paying.

Re: [redacted]; Complaint ID- [redacted]We are in receipt of your correspondence regarding a complaint submitted by our consumer, Mr. [redacted], to your office.   I have investigated the matter internally and carefully reviewed the allegations made by...

Mr. [redacted] in his complaint with regard to his account. Based on the results of my thoroughly reviewed audit I have found the following.    On July 1, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Mr. [redacted]’s Fifth Third Bank account ending in #[redacted], which he opened on July 1, 2015 and utilized until it was charged-off on July 31, 2012.  Mr. [redacted]’s account was then assigned to Premium Asset Services, LLC and as we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr. [redacted]’s last known address in Niles, Illinois.  Our agents began leaving messages as early as July 6, 2015 in an effort to speak with Mr. [redacted]. Finally on July 16, 2015 the first verbal communication occurred between Premium Asset Services, LLC and Mr. [redacted] in which he requested we send him a settlement letter in which he can make payments to settle his account. As per Mr. [redacted]’s request Premium Asset Services, LLC sent Mr. [redacted] a settlement letter and once in receipt of the letter he claimed he would send a payment by mail. On August 3, 2015 Mr. [redacted] spoke to our agent and stated he was sending his first payment however three weeks passed and still no payment had arrived therefore our representative attempted reaching Mr. [redacted] again. Not until September 15, 2015 did further communication occur between Mr. [redacted] and our agent however only miscommunication occurred and Mr. [redacted]’s account was removed from our collection floor.   We understand that there are always two sides to every story therefore we do apologize for any alleged misconduct by our representatives. Although we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we do apologize for any inconvenience our offices may have caused. Furthermore, after reviewing Mr. [redacted]’s complaint I took notice that he still showed interest in settling his debt and therefore I have mailed out one more settlement letter to Mr. [redacted]’s address with intentions of further resolving not only his complaint but his Fifth Third Bank account.   I thank you for your time and bringing this matter to my attention providing me the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well. If you have any further questions or concerns, or if we may be of further assistance, please feel free to contact me at (714) [redacted] or by email at [redacted]@platinumholdings.comWith Regard,[redacted]

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June 24, 2014
 
 
 
RevDex.com
Serving
San Diego,
Orange & Imperial Counties
4747 Viewridge Ave #200
San Diego, CA92123-1688
Attention: [redacted]
 
 
Re:
Complaint ID: [redacted]
 
 
 
Upon receipt of the above reference complaint it
was noted the consumer states his/her name is [redacted], providing [redacted] as their contact address.  The address of [redacted] just so happens to be our business
address.
 
Albeit our policy to resolve all consumer
complaints to the best of our ability, the information contained in this
complaint has severely limited our ability to do so.  Furthermore, the consumer’s “desire
resolution” is in no way a form of resolution. 
Rather it appears to be merely a fabricated, baseless and slanderous
statement all of which are without merit. 
If this is a legitimate complaint and the consumer would truly like
assistance in resolving this issue, I respectfully request they provide me
their true name and the telephone number where they have received any calls.   At that point and that point only will I be
able to assist them by accessing an account and confirm their number has been
removed from our database.  
 
 If you
have any further questions or concerns, or if we may be of further assistance,
please feel free to contact me directly at ([redacted] or by email at
[redacted]
 
 
With
Regard,
 
 
 
[redacted]
Chief
Compliance Officer 
Premium Receivables, LLC
 
 
 
DMR/tlt

Re: [redacted]r; Complaint ID – [redacted]After receiving your correspondence dated October 27, 2015 regarding a complaint your office received from Ms. [redacted]r we began an internal investigation. The following will describe our findings based off the full investigation...

conducted within [redacted] Group, LLC with regard to Ms. [redacted]r’s statement and her account in our office.    On October 2, 2015, [redacted] Group, LLC, a debt buyer based in California, purchased Ms. [redacted] Loan account ending #[redacted], which she opened on July 16, 2014 and had charged off only two months later on September 26, 2014. Our agents with Premium Asset Services, a [redacted] Group, LLC company, began efforts to contact Ms. [redacted]r regarding her outstanding account Balance on October 5, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]r’s last known address in Bakersfield, California which fully described her account.  Throughout the month of October Premium Asset Services, LLC was able to have four conversations with Ms. [redacted]r; unfortunately, none of these discussions resulted in a resolution.   In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms. [redacted]r’s account were pulled and reviewed. While we have discovered some inconsistencies within the complaint written by Ms. [redacted]r we recognize her request for the Original documents associated with her [redacted] 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]r’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]r and furthermore, in order to provide Ms. [redacted]r with a resolution, we have removed and closed her [redacted] account from ALL Active databases within our offices to prevent further contact. Ms. [redacted]r is welcome to contact me, [redacted] La [redacted], via e-mail at sla[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 [redacted] Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Re: [redacted] Complaint ID; [redacted]  We are in receipt of your letter dated February 26, 2015 regarding a complaint submitted by Mrs. [redacted] to your office.   I have investigated the matter internally and carefully reviewed the...

allegations made by Mrs. [redacted] in her complaint. On November 30, 2012, Premium Asset Services, LLC, a debt buyer based in California, purchased Mr. [redacted]’s Citibank Health Card account ending in #[redacted], which he opened on August 15, 2007 and paid on until it charged off on April 17, 2009.  Therefore, the Citibank account Premium Asset Services, LLC currently holds in our office belongs to Mr. [redacted]. As per Mr. [redacted], Mrs. [redacted], his wife handles their finances and together they have been paying on his Citibank account in our office since December 23, 2013. The original settlement between Premium Asset Service and Mr. and Mrs. [redacted] was agreed upon over the phone on December 19, 2013. Mrs. [redacted] spoke with our agent at Premium Asset Services and gave her card information to begin a payment arrangement in an effort to settle Mr. [redacted]’s debt in our office. Payments were consistently made for several months until October, 2014 when we had a declined payment in our office.  Premium Asset Services then made efforts to reach Mrs. [redacted] regarding the declined payment and once we reached her two weeks later, on October 31, 2014, she claimed she has had similar problems in the past but directed our agent to re-run the card we had on file. Unfortunately, the card still declined and Mrs. [redacted] hung up on our representative. We then tried reaching Mrs. [redacted] again but it was not until February 10, 2015 that Premium Asset Services was able to speak with Mrs. [redacted] again. Mrs. [redacted] began to explain she no longer felt comfortable dealing with such circumstance over the phone because she had been a victim of Identity Theft. Premium Asset Services then drafted up a new settlement letter for Mr. and Mrs. [redacted] and sent it via US mail. Premium Asset Services was never were able to speak with Mrs. [redacted] again and soon we were in receipt of this complaint.                   In closing, we do apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Mrs. [redacted].  In an effort to provide her with a resolution, we have provided Mrs. [redacted] a “Paid to Date Letter,” along with a letter encouraging communication so that we may assist Mr. & Mrs. [redacted] in formally resolving their outstanding balance due.  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 (714) [redacted] or by email at d[redacted]@platinumholdings.comWith Regard,[redacted] M. [redacted]Chief Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company d[redacted]@platinumholdingsllc.comPhone: (714) [redacted]

We are in receipt of your letter dated September 30, 2015, regarding a complaint submitted by our consumer, Mr. [redacted], to your office.   I have investigated the matter internally and carefully reviewed the allegations made by Mr. [redacted] in his...

complaint with regard to his account. Based on the results of my thorough assessment, I have concluded that the allegations in this complaint are in part baseless and without merit.    On July 1, 2015, Platinum Holdings Group, LLC , a debt buyer based in California, purchased Mr. [redacted]’s Fifth Third Bank account ending in #[redacted], which he opened on September 29, 2011 and utilized until it was charged –off on October 15, 2015.  As we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr. [redacted]’s last known address in Cincinnati, Ohio; we have recently discovered this address was incorrect as per Mr. [redacted]’s complaint. Subsequently, our representatives with Premium Asset Services began attempts to contact Mr. [redacted] on August 5, 2015 in an effort to resolve his outstanding balance however were unsuccessful and could only leave messages. On August 10, 2015, Premium Asset Services, LLC had their first conversation with Mr. [redacted]. Although Mr. [redacted] was aware of the debt he was under the impression that we were discussing a joint debt he believed to be previously paid therefore our agent requested he simply send us proof of payment so that we could properly close his account in our office. Again on August 14, 2015 Mr. [redacted] contacted our agent at Premium Asset Services, LLC to inform him he had contacted the agency to who the account was previously paid and he was waiting for them to send him his Zero Balance proof of payment via US mail. Our representative informed Mr. [redacted] he would place his account on hold while awaiting the Proof of Payment Letter. Nearly a week later, on August 20, 2015, our representative attempted reaching Mr. [redacted] for an update on his Zero Balance Letter however he was only able to leave a message. Therefore another attempt to reach Mr. [redacted] was made on August 27, 2015. Once able to speak to Mr. [redacted] he began requesting further Validation of Debt from our office and was no longer able to provide documentation stating he had previously paid the debt. The call was ended and no further contact was made nor attempted.   In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Mr. [redacted]’s account were pulled and reviewed. While we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we do apologize for any inconvenience we may have caused. We also apologize for any alleged misconduct by our representatives. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General.  In order to provide Mr. [redacted] with a resolution, we have removed and closed his Fifth Third bank account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact me, [redacted] La [redacted], via e-mail at sla[redacted]@platinumholdingsllc.com or by telephone at (714) 316-2740 should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted] La [redacted]Compliance Officer

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]