Premium Receivables

Review: Premium Asset Services has been calling me repeatedly for several weeks. Additionally, they call my parents home phone and leave messages stating that they are calling about a civil complaint registered against me which is a gross violation of privacy as well as an outright lie. When I do speak with a representative from Premium Asset Services, they state that they are collecting a debt from July or 2014 from a company called [redacted]. I have asked specifically on two occasions for them to provide validation of the debt and they have told me that it is my responsibility to track that down and learn for myself that they are the 'rightful owners' of this debt. They have advised me that the original creditor has charged this debt off and their company purchased this debt and now owns it. Again, they state that they do not need to provide me with verification that I woe their company money, that it is my responsibility to make calls and try and determine the history of this supposed debt. Additionally, they make comments like 'obviously you are aware of this debt and have agreed that you owe it'. No, I have made no such agreement or acknowledgement to them. They are asking for almost $2000 which I don't even believe I woe. I have offered to make monthly payments even though I don't believe I owe them anything just to get them off my back, but they reject my offers and state that they are going to garnish my wages and take 25% of my income. They continue to call even after threatening wage garnishment and attempt to get various amounts of money in what they say is an effort to 'work with me'.Desired Settlement: I want this company to immediately stop all calls to me and to my family members. If they have validation of any debt I owe that they lawfully own, they may submit that in writing to my home address which they state they have. I do not want to receive one more threatening phone call from anyone associated with this company.

Business

Response:

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]

Review: My sister said they called her and I called them to find out why they were calling. They said I was being "criminally investigated" for money I owed on a account. They threaten to take me to court, used foul language and were clearly trying to intimidate me. I told them until you take me to court to "cease" all collection practices. They said they would not cease despite me telling them to.Desired Settlement: I would like them to cease and desist all collection practices and learn to work in a ethical, mature manner.

Business

Response:

We are In receipt of your letter dated April 8, 2014 regarding a complaint your office

received from Mr. [redacted]. I have reviewed Mr. [redacted]'s statement, and conducted

a thorough intenal investigation regarding his account in our office.

Premium Receivables, a debt buyer, purchased Mr. [redacted]'s HSBC Power Sports- SUZUKI

account ending #[redacted] on March 11, 2014. Pursuant to 15 U.S. CODE § 1692G- VALIDATION OF

DEBT. we mailed the First Notice/Validation letter to Ms. [redacted]'s home address in Orlando, FL on

March, 28th, 2014. Under the assumption he had received our written communication, and after

an unsuccessful attempt to contact Mr. [redacted] at home, pursuant to Title VIII of USC 1 692b (The

FDCPA. Section 804) Acquisition of Location Information, our representatives then attempted to call

third parties In an effort to reach Mr. [redacted]. Subsequently, on April 8, 2014 Mr. [redacted]

contacted our office and our representative proceeded to advise him of the outstanding balance

still due on the above referenced account. Although Mr. [redacted] stated that he is on dlsability

and is unsure of where the Suzuki Is located, he has pictures posted of himself riding the Suzuki on

public Social Media sites. Furthermore, DMV records show the bike currently registered to Mr.

[redacted] - please reference EXHIBIT A. attached ..

on April 14, 2014 we made a final attempt to resolve this matter with Mr. [redacted]

although he was uncooperative and terminated the call. No others calls were generated from our

collection department following the April 14, 2014 conversation.

In order to validate these facts stated above, our internal monitoring and recording system

was researched and all calls made in reference to Mr. [redacted]'s account were pulled and

reviewed. Pursuant to those recordings, at no time did our representatives ever threaten Mr.

[redacted] that he was being ''criminally investigated", nor did he "threaten to take him to court". I

would be more than happy to provide said recordings to the Revdex.com for review and validation.

While we understand the concept or harassment is subjective, our agency and employees

have conducted themselves professionally and within the guidelines of the FDCPA.

In closing, while Mr. [redacted]'s account will remain classified as "DEBT STILL OUTSTANDING".

our company does litigate and his account falls within the Statue of Limitations, we have removed

Mr. [redacted]'s account from our Active database within our office to prevent further contact with

him.

Mr. [redacted] is welcome to contact me personally by phone at [redacted] or by email

at [redacted] should he desire to resolve his outstanding obligation or If he has

any additional questions, comments or concerns.

With Regard,

Chief Compliance Officer

Premium Recevables LLC

(714) 845-3620- office

(714) 242·1363- fax

Review: These people are calling my home phone, cell phone, work phone and parents phone. They are harassing not only me but my family. The names of the people are as follows, [redacted] and the Phone number that comes up on my cell phone is 714-[redacted]. They are trying to rip me off for a sizable amount of money. They say if I don't pay, they will "come after me and my family". I'm considering this a threat and feel that these people should be run out on a rail. My outcome should be that they leave us alone. I don't know these people and will not pay them one red cent.

Business

Response:

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated October 2, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the thorough analysis conducted within Platinum Holdings Group with regard to Ms. [redacted]’s statement and her account in our office. On August 31, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC Prime MasterCard account ending #[redacted], which she opened on June 9, 2004 and paid on until February 26, 2007 leaving a balance of $3,353.45. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding HSBC account Balance on September 14, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Greenbush, Maine which explained her account in detail. Our representatives first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her account. Our representative spoke with Ms. [redacted] who explained she was unable to pay very much because her husband is on disability and she was the only one working. On September 21, 2015 Ms. [redacted] spoke to one of Premium Asset Services, LLC’s supervisors and was able to reach a settlement agreement. On September 29, 2015 Ms. [redacted] called our agent and requested we run her payment however her card was declined. Our representative explained it may have been an issue with her bank and he would give her a couple days if necessary to make the payment. Ms. [redacted] said she was going to visit her bank and call Premium Asset Services back. After not hearing back from Ms. [redacted] our agent attempted reaching her on October 1, 2015. Unfortunately, Ms. [redacted] was upset our agents had left messages at her place of employment and her parents’ house after not reaching her on her individual line. Ms. [redacted] also explained she was unable to get a loan with her bank and therefore no longer could or would pay her outstanding debt. Our agents immediately removed Ms. [redacted]’s account from our collection floor after gaining this knowledge and no further contact was made.In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. While we have discovered some inconsistencies between the allegations in the complaint written by Ms. [redacted] and our internal records, we do apologize for any inconvenience our offices may have caused. Furthermore, in order to provide Ms. [redacted] with a resolution, we have removed and closed her HSBC account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me, [redacted], via e-mail at [redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted]Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Review: My Wife & I both received voice mails from a "[redacted]" on 5/14/2015, claiming to be working for a lawyer named "[redacted]" (the voice mails he left, claiming to be someone he is NOT, have been recorded & saved). When my Wife returned the call to "[redacted]", he threatened her with property liens, civil suits at our local courthouse, told her "you're his Wife, so this is YOUR problem too", & told that due to her occupation & the amount of our monthly mortgage she "SHOULD be able to pay it". My Wife added me to the call, only to be further insulted, demeaned, & threatened by "[redacted]". Later that evening, we did some research on "[redacted]" & found THOUSANDS of complaints filed against him AND "Platinum Holdings"/"Premium Receivables" (the REAL company he works for, NOT a lawyer's office as he claimed in his voice mails & calls). ALL of the complaints found, including those found on this Revdex.com website, are uncannily SIMILAR.

Ironically, ALL of "Premium Receivables" Revdex.com complaint responses seem generic/pre-scripted, having similar wording, such as "harassment is subjective" & "alleged threats". Additionally, their Revdex.com responses NEVER admit wrongdoing. Bottom line is: this company is SHADY &, despite their "knowledge" of the law, their debt collecting tactics are UNETHICAL. Denying what you do & what you say to people does not mean that you are NOT doing these things! THOUSANDS of people say the SAME things about this HORRIBLE company & they have continued to conduct their business this way for YEARS. They have to be STOPPED. If their loved one was talked to the way "[redacted]" spoke to my Wife & I...if their loved one was UNFAIRLY demanded to pay debts WITH 22%-29% interest, that have been settled on their credit report...I don't think they would be okay with it. Just as they would want their loved one to be spoken to with RESPECT & treated FAIRLY, they should be treating the people they contact (with OR without merit) with RESPECT & HONESTY.Desired Settlement: "[redacted]", "[redacted]", and any other employee/affiliate of Platinum Holdings/Premium Receivables is being requested, as of TODAY, to not attempt to contact myself, my Wife, any family members, friends, associates, employers, or the like by phone, e-mail, OR fax. Additionally, "[redacted]", "[redacted]", and any other employee/affiliate of Platinum Holdings/Premium Receivables is being requested to STOP these UNETHICAL collection practices that they have been known, for YEARS, to practice.

Furthermore, this company has a very SHADY reputation. Any correspondence from this point forward should be IN WRITING ONLY.

I will decide how I proceed with settling any alleged debts with this SHADY company, if I deal with them at all ever again after all we have experienced and found out about them in the last 24-36 hours.

Business

Response:

Revdex.com Serving San Diego, Orange & Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123-1688 Attention: [redacted] Re: [redacted]; Complaint ID- [redacted] We are in receipt of your letter dated May 19, 2015 regarding a complaint submitted by our consumer, Mr. [redacted], to your office. I have investigated the matter internally and carefully reviewed the allegations made by Mr. [redacted] in his complaint with regard to his account. Based on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are based off misconception. On March 9, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Mr. [redacted]’s [redacted] account ending in #[redacted], which he opened on December 18, 2009 and paid on until September 5, 2011. As we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr. [redacted]’s last known address in Spring Valley, California. Subsequently, our representatives made attempts to contact Mr. [redacted] beginning in April, 2015 in an effort to resolve his outstanding balance. A representative was initially able to speak to Mr. [redacted] on April 24, 2015. Mr. [redacted] explained his current struggling situation and therefore our agent offered him the option to make payments. Mr. [redacted] was unable to decide how he could handle his debt right away and our representative encouraged Mr. [redacted] to analyze his finances over the weekend and advised they discuss further options the following week. Our agent tried to reach Mr. [redacted] again by leaving messages however each attempt continued to be unsuccessful. Consequently, Mr. [redacted]’s [redacted] account was referred to [redacted] and the Law Offices of [redacted] to be handled from a legal perspective. Pursuant to California’s Statute of Limitation laws Premium Receivables had a limited time frame in which to refer Mr. [redacted]’s account thus after exhausting all efforts we proceeded accordingly. After researching our company, Mr. [redacted] concluded Mr. [redacted] is merely a collector at Premium Receivables; however his assumption’s was made without merit. While it is true Premium Receivables work hand – in - hand with Mr. [redacted] and Mr. [redacted] when pursuing such accounts Mr. [redacted] was not misrepresenting himself when claiming his association with Mr. [redacted]. While we understand the concept of harassment is subjective, our agency has conducted themselves professionally and within the guidelines of the FDCPA. Nonetheless, we take all complaints seriously here at Premium Receivables and we do apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Mr. and Mrs. [redacted]. In an attempt to resolve this matter amicably, we would like to reiterate that Premium Receivables previously removed Mr. [redacted]’s [redacted] account from our collection floor. Should you or Mr. [redacted] have any further questions or concerns, or if we may be of further assistance, please feel free to contact [redacted] M. [redacted] at (714) [redacted] or by email at d[redacted]@platinumholdings.com With Regard, [redacted] Compliance Officer Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted]@premiumassetsvs.com [redacted]

Review: I received a phone call from [redacted] calling from (the name was bleeped out on the recording). She said it was important I call her back because she had attempted numerous times to call me. This was the first call I received and my phone records will prove it. I called her back. She told me to wait and I was disconnected. "Thomas" called me back as I was heading into an apt and said he was going to 1099 me if I didn't settle this debt he alleged I owe. I told him I was going into an apt and asked if would call me back, he said he'd let me call him back by 6pm EST which would give me plenty of time to return the call. At 5pm EST, he called and my phone didn't ring, I got a message saying "you were going to call me back in 2 hours and I needed to call him back." I did, I asked him if there was a way to settle this debt, when he told me my balance, I said I'm disputing this amount. I never received docs. to validate the debt and the last my credit report said, they didn't own the debt. He said "I know you don't have the money so why am I going to waste a $.50 stamp on you?" I asked to speak with his Supervisor [redacted]. I left a message. [redacted] called me back 20min later. He was just as abrasive and Thomas. I tried to explain to him that they didn't have the correct address and I was requesting proof of the debt in the mail. He said "we mailed a letter 40 days ago" but my research showed the debt was bought less than 3 weeks ago. He told me to be quiet because I had my time to talk and it was his turn. He said I needed to grow up and stop acting like a child. They never requested my updated address. I hung up on him. He called me the next day and left a message stating I had 24 hours to clear this up. I have contacted an attorney and am filing a claim with the Federal Trade Commission for harassment and unfair collection practices. I am also, in writing, requesting the validation of this debt. Also, not once did they mention they were attemping to collect a debt.Desired Settlement: I am mailing a validation request letter of this debt and a cease and desist. I am requesting no more phone calls and only expect to be contacted through the mail. Reading through the other complaints, I realize that what I expereinced is the normal type of practice for this company.

Business

Response:

We ore In receipt of your letter dated August 13, 2014 regarding a complaint your office received

from [redacted] Upon receipt of [redacted] complaint, a thorough internal investigation

surrounding her account here In our office was conducted. The audit Includes reviewing all records

calls as well as the account details and representatives' notes.

Our company, Premium Asset Services,attempted to contact Ms. [redacted] regarding her KAY JEWELERS

Account ending In #2919 which she opened October 19,2004 and made payments on until April 1,2011.

Pursuant the the FDCPA Section 809a, our business with him was explained In detail In the First Notice

/Validation Letter sent to the address we hove on file In Wesley Chapel,FL.

We truly appreciate [redacted] bringing this matter to O\X attention and understanding how [redacted] feels we have conducted ourselves, we would like to sincerely apologize for any alleged,

unintentional misconduct by our account representatives. We do not condone our representatives

to handle calls in the manner described and we are conducting ongoing training on

Proper Telephone Communication with our staff. To further rectify this situation and to ensure no

further calls to [redacted] are made, we have removed all telephones numbers from our database and

CLOSED [redacted] KAY JEWELERS account.

Our company Is well versed In the FDCPA and other state and local collection regulations end our

representatives are required to obey and adhere to all collection laws governed by the CFPB, the

FTC.and the States' Attorney Generals.

If you have any further questions or concerns,or if I may be of further assistance, please feel free

to contact me by phone at [redacted] or by email at [redacted]

Than you,

Review: I received a phone call from this agency calling themselves "Premium Services". The woman stated that they owned a debt I owed to [redacted] from several years ago. Due to some issues with identity theft recently, I asked that they send me a letter stating the current account balance including the name of their company. This is so that I can verify I am paying off the actual debt owed and not to scammers. She insisted that I can verify over the telephone with [redacted] the legitimacy of their claim, to which I replied that I needed to see the balance in writing before I can proceed and am not comfortable disclosing bank information over the phone to a company I can't confirm is legitimate. She asked me to hold and transferred me to a man who became EXTREMELY verbally abusive, threatenting to garnish wages, saying that they know where I live, etc. He said he had contacted the District Attorney and that we are NOT above the law. I continued to request a letter in writing stating the balance owed and I would pay it. He continued to be rude, threatening, and abusive. He eventually hung up on me. I called back, spoke with the woman (whose name was never disclosed to me) asking for a written account balance. She too, hung up on me after telling me that I was refusing to pay and that another department was now handling my account, one that "doesn't mess around". Both stated they had my email address but the one they quoted was decidedly incorrect. I tried to correct them but they continued yelling (my two children could hear every word and they weren't on speakerphone) They both (the man and woman) threatened to contact my husbands work which will result in his losing his job. Also, their threats of "knowing where we live" makes me frightened for the safety of my four children. I further believe that their verbal threats are contrary to what is allowed according to the FDCPA.Desired Settlement: All I need is a letter from this company stating the alleged debt amount and to whom the payments should be made and I will make every effort to resolve it. I just don't feel comfortable relaying such information over the phone. Further, their verbal abuse concerns me regarding the legitimacy of both this company and the debt they claim I owe.

Business

Response:

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]

Review: This company has called and threatened to civil suit against me thru relatives and both of my places of employment. They called my Sargent and Captain in the military even after they were told not to call they repeatedly called back and kept telling them this involves a civil suit. They have told my wife to shut up and mind her own business, but yet ask her for money for my debt which she has no part of. I have asked numberous times for an itemized bill on which a $700 credit card turned into $3200 but they refuse to give it to me. They demand payment via phone by debit card but will not tell me what this is for. They repeatedly pull my credit and harass me on what I have listed on my credit. I have indicated that I am looking into bankruptcy and was told they will get me for fraud. I have blocked their call from my phone to eliminate the harrassing phone calls but they call relatives to call them back before someone delivers papers to me. This debt is nearly 7years old

I have also asked to give the product back but they refused itDesired Settlement: would like them to stop contacting me

Business

Response:

[redacted] Serving

San Diego, Orange & Imperial Counties[redacted]Attention: [redacted]Re:

[redacted] Complaint ID; [redacted]We are in receipt of your correspondence

dated February 26, 2015, regarding a complaint submitted to your office by Mr.

[redacted]. I have reviewed

the details of the complaint and thoroughly investigated the account associated

with Mr. [redacted]. Premium Receivables, LLC, a debt buyer, purchased

Mr. [redacted]’s [redacted] account ending in 0601 on August 6, 2014, which he opened on February 12, 2009 and paid on until July 3, 2009.Pursuant

to the Default Clause in Mr.

[redacted]’s original contract, interest continues to accrue at the original creditor’s

default rate, leaving a current Balance of $3,538.73. Pursuant to 15 U.S. Code § 1692g – vALIDATION

OF dEBT, Premium

Receivables, LLC mailed the First Notice/Validation letter to Mr. [redacted]’s

home address in [redacted] in the beginning of August, 2014. Our agents first attempted to communicate

with Mr. [redacted] at the telephone numbers associated with his [redacted] account on

August 18, 2014, albeit unsuccessful as each call resulted in leaving messages

on voicemails. Although we were able to

speak with Mr. [redacted] on August 19, 2014, no form of resolution was obtained

during the call. Different representatives spoke to Mr.

[redacted] a couple more times, and while Mr. [redacted] would initially agree to a

settlement, he wouldn’t follow though with a resolution. Pursuant to the results of my investigation,

Mr. [redacted]’s complaint that Premium Receivables, LLC performed an UNAUTHOROIZED and ILLEGAL inquiries on her credit

report is 100% without merit. Pursuant

to the FCRA 604(a)

(3) (A, as the LEGAL, TITLE BEARING OWNER of Mr. [redacted]’s [redacted] Account ending 0601 we are well within our Rights to legally run

his report as a collection Inquiry.

Section 604(a)(3)(A) reads “any consumer reporting agency may furnish a

consumer report to a person which has reason to believe “intends to use the

information in connection with a credit transaction involving the consumer on

whom the information is to be furnished and involving the extension of credit

to, or review or collection of an account of….” Additionally,

Mr. [redacted] stated in his complaint that our company ran his Credit Report

several times, yet his collection profile was accessed just once on August 15,

2014. While we understand the concept

of harassment is subjective, our agency and employees have conducted themselves

professionally and within the guidelines of the FDCPA. In an attempt to provide a resolution,

Premium Receivables has CLOSED and removed Mr. [redacted]’s account from our

Active database within our office to prevent further contact. Although, Mr.

[redacted]’s account will remain classified as “DEBT STILL OUTSTANDING”, he is

welcome to contact me personally by phone at [redacted] or by email at [redacted] should he desire to resolve his outstanding obligation or if he has any

additional questions, comments or concerns. With

Regard,[redacted]Chief

Compliance OfficerPremium Receivables,

LLCA Platinum Holdings

Group LLC Company [redacted]Phone:

Review: [redacted] and [redacted] of Premium Receivables LLC have been calling myself and my job harassing multiple people and using slander in an attempt to collect information on me. They state they are calling about a debt from 2006 that has been settled. They also have used foul language and threatened to have me arrested if I didn't comply with them. They also sent a fax after hours to my job demanding information about me.Desired Settlement: I would like for them to stop calling harassing myself and others at my workplace. I would also like for them to stop sending faxes and calling after hours.

Business

Response:

To Whom It May Concern:

We are in receipt of your correspondence dated February 18, 2014, regarding a

complaint submitted to your office by Ms. [redacted]. I have reviewed the details

of the complaint and investigated the account associated with Ms. [redacted] in our

office.

The allegations made by Ms. [redacted] are exaggerated at best. Our

representatives do not use the tactics detailed In Ms. [redacted]'s complaint. Furthermore,

Ms. [redacted] never spoke directly with Ms. [redacted], so I am unsure as to how or why Ms.

[redacted] was even named In this complaint. Sending an employment verification form to

Ms. [redacted]'s employer rs well within our rights under the FDCPA as It Is o means of

acquisition of location Information; the debt was not discussed with her employer.

In regards to the settled debt that Ms. [redacted] alluded to in her complaint, we

would have been happy to close the account and contact the company that sold us

the debt if Ms. [redacted] would have provided us with any sort of proof that this debt had

been settled with the original company, US Bank.

Regardless, we do understand that there are always two sides to every story and

we apologize for any Inconvenience to Ms. [redacted]. We have closed her account in our

office. If Ms. [redacted] would like to provide us with the aforementioned proof of payment

to US Bank, we can submit that Information to the company that sold us her account

and ihls can assist Ms. [redacted] In ensuring that no other company will contact her

regarding this debt In the future. If Ms. [redacted] chooses not to provide that information

directly to us, we suggest that she speak with US Bank and have them cease collections

on an account that has already been paid to them. Again, we apologize and we thank

Ms. [redacted] for taking the time to Inform us of the matter ct hand.

If you have any further questions or concerns. or If I may be of further assistance

please feel free to contact me at ###-###-#### or email at

[redacted]@platlnumholdlngsllc.com

With Regard,

Compliance Officer

Premium Receivables, LLC

Review: The company Premium Asset Services has been calling me multiple times a day leaving messages for [redacted]. When I have answered and told them to stop calling me and that I am not [redacted] they tell me that I legally have to give his information to them. They also claimed that he listed me as a contact which is incorrect as my father would never list me as a contact and I have confirmed this with him. The man on the phone also told me that he would call me all day every day even at work until I told him [redacted]s information.Desired Settlement: I am formally requesting that all harassment and communication from Premium Asset Services to me cease immediately.

Review: I was contacted by my mother stating that a person by the name of [redacted] called her looking for my husband. She gave me the number and I returned his call . He said that it was a debt that my husband owes from back in 2009 and I had to pay something immediately or he was sending it to his attorneys (Acct [redacted]). I told him that there were payments that had already been made on that account. I told him that I would have my husband to contact him. Over the weekend we looked at my husband's credit report and saw that this debt was CLOSED AND REMOVED FROM HIS CREDIT REPORT . My husband talked with Ian guy this morning who then connected him to [redacted] who says he was the Director of the company. He was very rude . He kept hounding my husband asking him when he was going to pay. He asked my husband at what address did he want to get served at and he was not going to win this case in court . He was very unprofessional especially being the DIRECTOR of a company as he claims. This debt is CLOSED AND REMOVED from his credit report.Desired Settlement: I wish they would stop calling and harassing me and my husband as well as other family member .

Business

Response:

Please see attached documents. [redacted] Serving

San Diego, Orange & Imperial Counties[redacted]Attention: [redacted]Re:

[redacted]s Complaint ID; [redacted]We are in receipt of your letter dated

February 16, 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 with regard to Mr. [redacted]’ account. On February 2, 2015, Premium Receivables,

LLC, a debt buyer based in California, purchased Mr. [redacted] account ending in #[redacted], which he opened on July 22, 2009 and paid on

until December 14, 2009. As we do with all new accounts, Pursuant

to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First

Notice/Validation Letter was mailed via our document mailing service, Compumail

in the beginning of February, 2015. Our

representatives made attempts to contact Mr. [redacted] in an effort to resolve his

outstanding balance however were unsuccessful.

Therefore, pursuant to Section 804

of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location

Information, our representatives attempted to contact third parties, as

identified in the FDCPA as an effort to communicate with our consumer. Our

representatives were finally able to communicate with Mr. [redacted] on February 13,

2015. Our agents tried several attempts to settle Mr. [redacted]’ outstanding debt

for him by offering various options. Unfortunately, Mr. [redacted] would not

cooperate with our representative. This was the only conversation between Mr.

[redacted] and Premium Receivables as we were never able to reach him again. Additionally, Mrs. [redacted]’ mentions in her

complaint that Mr. [redacted] account ending in #[redacted] is “CLOSED and

REMOVED” from his credit report. However, [redacted] Charged-Off this account

which need not be mistaken for Closed. Although this [redacted]

account may not currently show reported on Mr. [redacted]’ credit report, he does in

fact still possess an Unpaid Balance. While there are just 5 states in our

Union with time-barred collection restrictions, Alabama is not one of them and

the Statue of Limitations applies solely to a company’s ability to obtain

Judgment for the debt. 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.

and Mrs. [redacted]. In an attempt to

resolve this matter amicably, we have closed Mr. [redacted] account

within our office and while the debt will remain “UNPAID”, we will not attempt

to collect the debt. I thank you for your time and bringing

this matter to my attention providing me the opportunity to not only address

the concerns of the Revdex.com, but the consumer’s as well. If you have any further

questions or concerns, or if we may be of further assistance, please feel free

to contact [redacted] at [redacted] or by email at

[redacted]With

Regard,[redacted]Chief

Compliance OfficerPremium

Receivables, LLCA Platinum

Holdings Group LLC Company [redacted]Phone:

Review: This company is calling harrasing me at various numbers even at work where call are not allowed and Ive asked them not to call me and contact should be made via letter to know what this is regarding./This is harrassment and against the law..Desired Settlement: Please email or mail a letter on what business you are trying to discuss and do not contact my place of employment again..

Review: On 12/15/14, I received a call from [redacted] with this company from phone number [redacted]. The person asked me for my last four and stated it before I can give an answer. He stated he was calling about a [redacted] account which is from 2005 and how would I want to handle paying for it. I told him I wasn't paying and he got very angry and started yelling in the phone. He stated he was going to turn it in to the IRS as earned income. He was very rude, I told him that I wasn't paying anything to him and not to call me again. When I got to work the next day, I noticed the same person called and left a message at my job. On 12/17/14 at 10:26 am, [redacted] left another message at my job. I called back and asked for him but the person said he wasn't available, but he was his supervisor. I asked him to not call my job again because I'm not allowed to receive personal calls. He stated that he is allowed to call my job and I can ask him to stop but he's going to continue to call until the debt is paid. I stated I would get a lawyer and he stated he didn't care.Desired Settlement: [redacted]I would like for this company to stop contacting me on my job, at home and on my cell phone.

Business

Response:

We are in receipt of the consumer complaint submitted by Mr. [redacted] to the Revdex.com. Upon receipt of the complaint, a thorough internal investigation surrounding Mr. [redacted]’s account here in our office was conducted. The audit includes reviewing all records calls as well as the accountdetails and representatives’ notes. After carefully reviewing Mr. [redacted]’s complaint and the results our internal audit, it appears as though Mr. [redacted]’s recollection was not accurately depicted in his statement. Our company, Premium Receivables, attempted to contact Mr. [redacted] regarding his [redacted] Account ending in #[redacted] whichhe opened October 21, 2004. Pursuant to 15 U.S. Code § 1692g – vALIDATION OF dEBT, our business with him was explained in detail in the First Notice/Validation Letter sent to the address we have on file in [redacted]. We truly appreciate Mr. [redacted] bringing this matter to our attention and understanding how Mr. [redacted] feels we have conducted ourselves, we would like to sincerely apologize for any alleged, unintentional misconduct by our account representatives. We do not condone our representatives to handle calls in the manner described and we are conducting ongoing training on Proper Telephone Communication with our staff. To further rectify this situation and to ensure no further calls to Mr. [redacted] or his parents are made, we have removed all telephones numbers from our database and closed Mr. [redacted]’s [redacted] account. Our company is well versed in the FDCPA and other state and local collection regulations and our representatives are required to obey and adhere to all collection laws governed by the CFPB, the FTC, and the States’ Attorney Generals. If you have any further questions or concerns, or if I may be of further assistance, please feel free to contact me by phone at [redacted] or by email at [redacted] WithWarm Regard, [redacted] Chief Compliance Officer

Review: I started receiving phone calls from this business in March 2015. When I received a phone call from [redacted] it was very rude and he demanded me to return his call by end of day. He stated in his voicemail that he would take matters further and I could have a warrant out for my arrest. I ignored it because I do not give people respect that threaten me in that way. The next day my mother called me freaking out about a rude guy calling her and telling her that she needed her daughter that needs to grow up and pay her bills to call him back or he would do something about it. He would not tell her anything about the situation but continued to threaten her to the point that the next time he called my dad answered the phone and told him not to call back, in which he responded that he will continue to call back until his dead beat daughter called him back. well this went on and on and I finally called him back and he was rude just like he was with my parents. When I asked him to send me proof of the debt before I pay anything he just kept speaking over me telling me I need to pay this or else. I told him how I felt about his attitude and hung up. People should never threaten other people and act so unprofessional as he did. Down grading me to my parents and talking about a debt that is so old (2007). This company is horrible to work with.Desired Settlement: I would like for them to stop calling and harassing me, my parents, other family members and my husband

Business

Response:

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]; Complaint ID- [redacted]We are in receipt of your letter dated April 23, 2015 regarding a complaint submitted by our consumer, Ms. [redacted], to your office. I have investigated the matter internally and carefully reviewed the allegations made by Ms. [redacted] in her complaint with regard to her account. Based on the results of my thoroughly reviewed audit, I have concluded that the allegations in this complaint are baseless and without merit. On March 9, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. [redacted]’ Jared Jewelers account ending in #[redacted] , which she opened on November 15, 2001 and paid on until December 21, 2012. As we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed via our document mailing service, Compumail to Ms. [redacted]’ last known address in Monroe, Georgia. Our representatives first made attempts to contact Ms. [redacted] on April 9, 2015 in an effort to resolve her outstanding balance however were unsuccessful. Therefore, pursuant to Section 804 of The Fair Debt Collection Practices Act (USC 1692c), Acquisition of Location Information, our representatives attempted to contact third parties, as identified in the FDCPA as an effort to communicate with our consumer. Premium Receivables was contacted by Ms. [redacted]’ mother, [redacted], after having received a message on April 14, 2015. This was our company’s only actual conversation with a third party in relation to Ms. [redacted]’ account. Once Ms. [redacted] asked for the purpose of our need to speak with her daughter, Ms. [redacted], our agent explained that under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, we could not disclose the purpose of our call, as it is a violation. This upset Ms. [redacted] and the call was ended. Subsequently, Premium Receivables was finally in receipt of a call from Ms. [redacted]. Our representative verified he was speaking with Ms. [redacted], recited the Mini-Miranda, and began disclosing the purpose of our call. Ms. [redacted] was continuously hostile and unfortunately no resolution could be made. Ms. [redacted] make’s several false accusations mostly regarding statements made by our agents such as “warrant out for her arrest,” and “dead beat daughter.” Not once did our company even speak with Ms. [redacted]’ father nor make any such comments to either of her parents. Nonetheless, we take all complaints seriously here at Premium Receivables and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Ms. [redacted]. In an attempt to resolve this matter amicably, we have closed Ms. [redacted]’ Jared Jewelers account within our office and while the debt will remain “UNPAID”, we will not attempt to collect the debt. I thank you for your time and bringing this matter to my attention providing me the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well. If you have any further questions or concerns, or if we may be of further assistance, please feel free to contact [redacted] M. [redacted] at [redacted] or by email at [redacted]@platinumholdings.comWith Regard,[redacted]Compliance OfficerPremium Receivables, LLCA Platinum Holdings Group LLC Company [redacted]@premiumassetsvs.com[redacted]

Review: This company has harassed me, my daughter, my mother in law and father in law all over a debt they refuse to provide proof of stating it's a "cash advance" loan. None of us have taken out any such loan and now they are calling my daughter's place of employment as well. They are demanding that a debit card be placed on file and state that they are filing a lawsuit and we will have to go to court.Desired Settlement: Close this place down they are harrassing people across the United States over so called "debts" that we do not owe.

Business

Response:

Re: [redacted] File # [redacted]

To Whom It May Concern:

We are in receipt of your correspondence dated April 23, 2014, regarding a complaint

submitted by Ms. [redacted]. I have reviewed the details of the complaint and

thoroughly investigated this matter internally.

Pursuant to the results of our investigation, our company Premium Asset Services

was attempting to reach both Mr. ond Mrs. [redacted] regarding their US Bank account

ending #[redacted]. which they opened on March 5, 2007 and US Bank charged off on

November 10, 2008.

However, our records indicate that no direct contact was ever made with Mr. or

Mrs. [redacted]. If they have records showing they closed their account with US Bank, we ask

that they please forward to my attention, so I am able to address this accordingly with

USBank. ln the interim, Mr. end Mrs. [redacted]'s account has been pulled from open

collections: hence they will receive no further phone calls.

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 end 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 email at

With Regard,

Vice President of Compliance

Premium Asset Services, LLC

Review: Premium Asset Services LLC 136 Soco Dr. Fullerton CA 92832 Collection Agency Manager: Cease & Desist contact except Debt Validation requested by Certified Mail within 30 days of this letter. I'm writing you in regards to an account on you claim I owe. Since I'm unaware of this debt and its origin, I'd like to formally request validation of this alleged debt. To be clear, I am unaware of this debt and according to the FDCPA, I'm disputing this alleged claim and need complete, irrefutable evidence this account is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting bureaus. I would need, at a minimum, the following information: • Proof I agreed to this debt with my signature(s) • Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor • Proof this account is within the Statute of Limitations and has not expired • Proof you are the owner of this account, which will require the contract and terms between you and the original creditor • Proof you are legally licensed (bonded and insured if applicable) to collect this debt in my state • For verification purposes, I will need your business license number(s) I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you cannot provide this basic information, and continue to report this unverified, non-validated debt, I will pursue this legally for the following reasons: • Defamation of Character • Violating the Fair Credit Reporting Act • Violating the Fair Debt Collection Practices Act • Potential for additional claims as my lawyer sees fit Until this debt is validated, if even possible to validate, I expect the above account be removed from all credit reporting agencies, since it is unverified and has not been validated. If yDesired Settlement: Debt validation requested by Certified mail

Cease and Desist all contact to myself and my family members and friends (which is illegal per the FDCPA for a collection agency to contact family members and friends with attempts to collect a debt)

Business

Response:

October 29, 2015 Revdex.com Serving San Diego, Orange & Imperial Counties 4747 Viewridge Ave #200 San Diego, CA 92123-1688 Attention: [redacted] Re: [redacted]; Complaint ID - [redacted] After receiving your correspondence dated October 19, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the full examination conducted within Platinum Holdings Group, LLC with regard to Ms. [redacted]’s statement and her account in our office. On September 1, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s American Web Loan account ending #[redacted], which she opened on September 4, 2014 and had charged off only two months later on November 4, 2014. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding account Balance on September 2, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Altomonte Springs, Florida which fully described her account. Our representatives first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her account; however they could only leave messages. Therefore, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were also left with third-parties in hopes Ms. [redacted] would receive our messages. Finally on October 6, 2015 our agents received a returned call from Ms. [redacted]. Ms. [redacted] then requested we send he something by mail while showing no interest in settling her debt. Our representative attempted to describe Ms. [redacted]’s account information however she showed no concern and the call was terminated. The last conversation Premium Asset Services, LLC had with Ms. [redacted] our agent tried seeking Ms. [redacted]’s attorney’s information as she had claimed to have obtained one. Ms. [redacted] refused to provide the attorney information and notified our representative she had submitted a complaint to the Revdex.com; the call was ended. In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. While we have discovered some inconsistencies within the complaint written by Ms. [redacted] we recognize her request for the Original documents associated with her American Web Loan account. Unfortunately, as a debt purchaser, the standard debt “Verification” is not always readily available, or in some cases, accessible. Nevertheless, we have submitted a request to the company from which we purchased Ms. [redacted]’s account, who will subsequently need to request from the prior owner, etc. - All of which can a lengthy process. Although we have formally submitted the request for Verification documentation, which we will forward immediately upon receipt; kindly note, for the reasons stated above we are unable to guarantee the timeframe of receipt. Nevertheless, we do apologize for any inconvenience our offices may have caused Ms. [redacted] and furthermore, in order to provide Ms. [redacted] with a resolution, we have removed and closed her American Web Loan account from ALL Active databases within our offices to prevent further contact. Ms. [redacted] is welcome to contact me, [redacted] La [redacted], via e-mail at [redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns. With Regard, [redacted] La [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.com Phone: (714) [redacted]

Consumer

Response:

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,

Review: Yes on Dec 1 2014 I was called by Premium Receivables. Well I didn't call right back for I was in a meeting, then this" [redacted]"started harrasting my Mother in law and another family member. They([redacted]) called my Mother in law and told her they needed me to call back because it was a civil suit matter ( MY mother has dementia and was very up set and thought this was something to do with her.. They had no right to call any of my relatives and give information that I had no idea what it was about. So I was very upset and called back on Dec 3 and talk to this rude ,unethical, threating man and unlawful tactics name [redacted] Poctor? (Probaly a fake name anyway) He started on me that he could already know I have a bad attitude and said it a few times and I was getting angry then he said HSBC wants there money in a very rude voice and that also I would be 1099 by the IRS. So I proceeded to tell him I needed paper work sent to me and I had no idea who he was then in a loud screaming voice he said SHOUT YOUR MOUTH LET ME TALK. Well this is my phone and know no will ever speak to me like that ever. So I hung up on him and I do not want that company to ever call me or my family menmbers or I will have move forward and get a lawyer and report this company .Desired Settlement: leave me and my family alone and never contact me again .

Business

Response:

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

Consumer

Response:

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] I do not want this company to contact me again and everything I indicated was the truth.

Review: Received message from 2 brother-in-laws that this company left messages for me. I returned the call to the appropriate number and immediately stated I would like them to stop contacting my family. [redacted] stated she would remove their numbers but were calling them since they had been unable to get ahold of me. I informed her that I had missed calls from this number but no messages. We continued the conversation where I stated that the debt I have is greater than just this one. I am also currently going through a foreclosure. She states that I have multiple options then proceeded to pass me to a supervisor identified as Mr [redacted] Mr [redacted] initially tried to play the empathy card and tell me about how he pays $2000 in child support. I remained calm and tried to explain my situation, his tone then became rude and intimidating. When I asked him to please stop being rude he became upset and stated that the call was being recorded and I just didn't want to pay my debts. I was not really given an opportunity to explain my situation. I too became frustrated and told him to do what he needed to do. He then became more aggitated and hung up on me in mid sentence. I understand he is doing his job but there is a way to maintain professionalism even in collections.Desired Settlement: Please counsel staff in customer relations.

Stop harassing my family!

Correct the messaging system that will actually leave voicemails so people can handle these situations before you call their families.

Review: This company called my home phone asking for my husband. When I stated I was his wife, they transferred me to another department under the pretense that they would give me information to pass on to him. Once transferred, the gentleman on the phone harassed me and was extremely rude to me. He demanded I pay him money, stating it was owed, but he would not give me information as to what the money was owed for. Additionally, he threatened to seize money from me without giving me any information. I asked him if it would be possible for him to send me information regarding the alleged money owed, and he refused and shouted angrily at me. I again said I wished only to receive more information to review, at which point he called me mean names and slammed down the phone. I am extremely shaken and fearful as he has my home address.Desired Settlement: I am certain I do not owe money to anyone, especially in the amount this man is requesting. I would like it removed from any report where he might try to seize it from me. Additionally, I would like for this man to stop calling and harassing me and slandering me to other people (he also called my sister in law's parents and harassed them about me). I also would like assurance that there will be no threat to me or my family, as again, this man has my home address.

Business

Response:

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]

Review: My grandfather, [redacted] Sr. owns [redacted]. It is a family owned and operated business so myself, my siblings, my uncle, and cousins have all worked there at one point in time. I received a phone call today from my aunt, who we do not get a long well, asking me personal questions about my credit report. Apparently, [redacted] called there looking for me, which I no longer work there, and when my aunt picked up to see what it was about, he never asked her once to verify who she was. All of our phone calls are recorded as well since we do have a sales department. HE stated my birth date, my last four digits of my social security number, and then started going over MY personal information about my credit report. My aunt is concerned about me and my health so she did continue to act like she was me however, a business should is no way share this information with anyone without verifying you they are. Now my entire family is aware of my financial situation and it is all because of [redacted] not doing what it legally required to do which is make certain he is talking to the right person before sharing this information. I am downloading this phone call and contacting problem solvers as well. Channel * will take an interest after reading how many rude, aggressive, unethical sales tactics that has been done by [redacted]. Which is fine with me if that's the way he wants to get his job done, but he should make sure he isn't sharing peoples personal identity with the wrong individuals. I was not the person you took the call today, I do not work at my grandpa's company anymore.Desired Settlement: I would like to speak to a supervisor about this because apparently I received a phone call for a reason. I owe someone something, but after listening to the recorded phone call at my grandpas shop I will not be speaking with [redacted]. I am also contacting JBR as well.

Business

Response:

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]

Review: This company has called my work phone twenty plus times even after requesting twice they stop.

They have begin calling my receptionist pretending to be someone else in order to get them to patch them through to my line.Also using/claiming they have my social security number without my consent to have such information or to share. I have several messages where they are threatening legal action and state my information will be submitted to the courts. When I called to see what this matter was about they refused to tell me and hung up on me. I shouldnt be harassed on a daily basis sometimes I'm so frustrated I start shacking.Desired Settlement: Disciplinary action for violating numerous laws against debt collection

Business

Response:

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted] Complaint ID; [redacted]We are in receipt of your letter dated April 22, 2015 regarding a complaint submitted by Ms. [redacted] to your office. I have investigated the matter internally and carefully reviewed the allegations made by Ms. [redacted] in her complaint with regard to her account. On February 2, 2015, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. [redacted] account ending in #[redacted], which she opened on July 19, 2010 and paid on until September 8, 2011. As we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed via our document mailing service, Compumail to Ms. [redacted]’s last known address in Spring, Texas. Our agents first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her Jared account on March 16, 2015; albeit unsuccessful as each call resulted in leaving messages on voicemails. Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms. [redacted] employer prohibited calls, our agent contacted her at her place of employment on April 7, 2015. The initial conversation simply consisted of our representative first identifying himself and Ms. [redacted] then hanging up. The second and final dialogue between Premium Receivables and Ms. [redacted] was fairly short as well. Our representative identified himself, our company, and the reason we were contacting Ms. [redacted]. She was extremely hostile, informed us she would be complaining to the Revdex.com, and advised us not to call her at work for the first time on April 17, 2015. Unfortunately, Ms. [redacted] would not cooperate with our representative and the call was terminated. This was the only actual conversation between Ms. [redacted] and Premium Receivables as we were never able to reach her again. Ms. [redacted] mentions in her complaint that we refused to inform her as to why we were calling which is completely without merit. Furthermore, not once did Premium Receivables’ agents call Ms. [redacted]’s place of business and falsely represent themselves. We understand that there are always two sides to every story, thus we do apologize for any alleged misconduct by our representatives. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General.We take all complaints seriously here at Premium Receivables and we apologize for any inconvenience we have caused Ms. [redacted]. In an attempt to resolve this matter amicably, we have closed Ms. [redacted] account within our office and while the debt will remain “UNPAID”, we will not attempt to collect the debt. I thank you for your time and bringing this matter to my attention providing me the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well. If you have any further questions or concerns, or if we may be of further assistance, please feel free to contact [redacted] at [redacted] or by email at [redacted]@platinumholdings.comWith Regard,[redacted]Chief Compliance OfficerPremium Receivables, LLC A Platinum Holdings Group LLC Company [redacted]@platinumholdingsllc.comPhone: [redacted]