Premium Receivables

Review: On December 18, 2013, I mailed Worldwide Recoveries LLC, return receipt # [redacted], asking them "what was their permissible purpose" of their unauthorized inquiry on my Equifax credit report on August 29, 2013 (no account number). I have never applied for credit or anything else from their company.I received a letter dated December 23, 2013 under Premium Asset Services,LLC (company name on sender's envelope). Address [redacted], same address I sent my first letter to them.The envelope contained a Worldwide Recoveries, LLC letter, stating that they purchased the account on or about August 2013 and that they were the assignee success or on the account # [redacted] and that they sent me a letter on or about August 2013. I don't know if they changed their company name or if they operate under two or more different company names to do business.They also told me that they had the authorization to make this inquiry pursuant to FCRC code [redacted]), thus Worldwide Recoveries, LLC made a valid authorized inquiry on August 2013.I let go pass 30 days from my first letter then on January 23, 2014 I sent them a letter return receipt # [redacted] stating that I was I receipt of their letter dated December 23, 2013,I stated them that a)I never received such letter on or about August 2013 from them because they did not have my address until I sent them a letter on December 18, 2013, b) they are lying when they said they sent me a letter on or about August 3013, c) I did not sign any postal office return receipt stating I received such letter, d) they stated I owe them something. I asked for their lawful authority to force me to do business with them, under threat of financial harm and asked them to produce a writing agreement between them and I, I gave them 20 days to provide proper documentation which I have not received no response from them yet.Desired Settlement: They are seriously damaging my credit. If they don't respond with proper validation then they are required to cease all collection activity.As of February 19, 2014 they are still reporting a collection account on my Equifax credit report.I am confident that by channeling this matter through the Revdex.com, a more simple resolution could be made.If they delete the account, cease reporting it to any credit bureau, and provide me a written confirmation of the same, I will consider this matter resolve.

Business

Response:

Re: [redacted]- Complaint ID [redacted]

To Whom It May Concern:

Although the complaint was addressed to the wrong company we did manage

to obtain the complaint. We were able to Identify the account associated with [redacted], although Worldwide Recoveries is no longer operating: our company, Premium

Asset Services, Is under the same ownership as Worldwide Recoveries. Upon receipt of

Mr. [redacted]'s complaint, I reviewed the details of her statement and thoroughly

Investigated the account In our office.

Premium Asset Services, a debt buyer, purchased Mr. [redacted]' s Orchard Bank

account ending in [redacted] back in August 2013. We have no direct agreement with Mr.

[redacted], as his account has been sold over There is an [unfortunate] course of a debt that

once It has been charged-off by the originating creditor: debt buyers, will continue to

"buy and sell'' a debt reporting as "balance due" until It is ultimately "satisfied". So we

have no direct written agreement between Mr. [redacted] and our company. however Mr.

[redacted] can pursue a chain of title for his Orchard Bank account in order to determine

that we are in fact the legal owners of his account.

We did receive a Cease and Desist letter from Mr. [redacted] on October 16, 2013

and have since ceased all communication with him.

The letter that was sent to Mr. [redacted] regarding his account would have been

sent direct mail and would not have required a signature as he states In his complaint.

Regardless, we do want to provide Mr. [redacted] with resolution, therefore, we are

closing his account in our office. If he has any further questions, I welcome him to

contact me directly at [redacted] or via email at [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I do not accept Premium Asset Services (and or Worldwide Recoveries) response because they are only closing the account in their office, they do not mention in their response they will delete the inquiry from Equifax, therefore I demand deletion of the enquiry from credit bureau.

Regards,

[redacted].

Review: This company keeps calling me about another persons debt. I have told them that they have the wrong number and that the person they are looking for is not me. I called them back to tell them to take me off the do not call list and the lady that I talked to said that she took my number off. Apparently not because I have gotten 2 phone calls from them within 15 minutes.Desired Settlement: I would like them to stop contacting me about this debt as it does not pertain to me.

Business

Response:

Re: [redacted]; Complaint ID- [redacted]We are in receipt of your online communication regarding a complaint your office received from Mr. [redacted]. Immediately upon receipt and after reviewing Mr. [redacted]’s statement, the associated account was identified, and we made sure Mr. [redacted]’s phone number had been removed and a formal internal investigation into the matter was launched. Below is a detailed report summarizing the results of my internal investigation. Our firm, Platinum Holdings Group, LLC, a debt buyer based in California assigned our consumer’s account to Premium Asset Services, LLC. Premium Asset Services, LLC then began attempting to reach our consumer regarding a personal business matter. Our agents made a handful of phone calls to the numbers associated to our consumer’s account and one of the numbers listed as a reference led to Mr. [redacted]. While we understand Mr. [redacted]’s frustration, we were simply trying to reach our consumer. Once notified that our agents were contacting an incorrect phone number Mr. [redacted]’s number was in fact removed from our system. 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 caused to him. 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 would like to reiterate our immediate action of removing his number from our active database to prevent further contact. Mr. [redacted] is welcome to contact our compliance department personally via email at s[redacted]@platinumholdingllc.com or by phone at (714)[redacted] should he have any additional questions, comments or concerns. With Regard,[redacted]Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company s[redacted]@platinumholdingsllc.comPhone: (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. I want to add that the company hasn't called me since I told them to take me off their call list for a second time and told them that I had reported them to the Revdex.com (the guy was very rude on the phone and told me that the Revdex.com had nothing to do with their office).

Regards,

Review: Someone named [redacted] called me about an alleged debt from 2004. I told him I knew nothing about the debt. He spent the next half hour telling me it WAS mine in no uncertain terms. Told him I would call my attorney. Called again and left a message saying "I don't know if your kids are playing games with your phone or you just rudely hung up on me but you acknowledged this debt and you better call me back in the next half hour or else." A threat?! I never acknowledged this debt. Since they state all calls are recorded....play it back! This is not mine!!! Furthermore, this debt has expired according to FDCPA!Desired Settlement: Do not contact me or any persons affiliated with me regarding this issue!

Business

Response:

Revdex.com

Review: I received three calls on June 18th. First at 9am the second at 907am the third at 908am. First call was on home phone, listed on Do Not Call Registry. Second and third on cell phone, also on the Do Not Call Registry. In an effort to attempt to garner contact information for a family member of which I do not possess, I was berated and harassed by "[redacted]" who told me they will keep calling until they receive what they are looking for.

After research, I have identified them as a third party agency that purchases invalid debts and attempts to utilize scare tactics and other harassing procedures in an attempt to secure money or information. In my case, the three calls came very quickly in succession after explaining that I do not possess the information for which they are seeking and hanging up, I received the additional calls I am assuming as a way for them to prove that they could contact me.

On Monday June 16th I received a call at 530am, but was just waking up so I was not able to identify the caller, but it was under the same premise and ended with the same result. Asked to be taken off the list and hanging up.Desired Settlement: 1. Investigate company - they change their phone numbers regularly. I did some research and found that they have used over a dozen phone numbers in the last 12 months.

2. IRS Audit

3. Charges against owners for fraudulent practices and prevention of obtaining a business license.

4. Apology letter to each person who has filed a complaint

5. Public acknowledgement of their practices and subsequent shuttering of the company

Business

Response:

June 24, 2014

RevDex.com

Serving

San Diego,

Orange & Imperial Counties

4747 Viewridge Ave #200

San Diego, CA

92123-1688

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

With

Regard,

Chief

Compliance Officer

Premium Receivables, LLC

DMR/tlt

Review: This started a couple weeks ago. I got a random call from a random number saying that I owed some money to them and I could settle. However I was unsure what the debt was in regards to and I was sure that I didnt have any debt like this because I recently bought a home, a new car etc. They said it was with an old bank account I had some 8 years ago. I asked them why I was still able to open new checking accounts with me oweing this money and they ignored me. The representative was rude and yelled at me about paying this money. I asked them tos top calling me and hung up. THey continued to call and they have gotten my work number and called my job speaking to several of my coworkers and giving information regarding this "matter" which is against any FDCPA regulations. They also called my boss. THey have called my wife as well. These calls need to stop. if you google premium receivables number many US citizens have received calls from this company stating the same thing. They are rude and what they are doing is illegal and they are trying to scam people out of money.Desired Settlement: I just want the calls to stop.. thats all I want.

Business

Response:

We are in receipt of your letter dated March 21, 2014 regarding a complaint submitted

by Mr. Percy [redacted] III to your office. I have investigated the matter internally and carefully

reviewed the allegations made by Mr. [redacted] in his complaint.

Mr. [redacted] was contacted In regards to his US Bank account ending in [redacted]. Pursuant to 15

U.S. CODE 1692G- VALIDATION OF DEBT, we mailed the First Notice/ Validation letter to Mr. [redacted]

home address In T[redacted] on January 28, 2014. Our representative also provided him information

pertaining to his US BANK account during their conversation on February 3, 2014. As discovered

during the course of our investigation, Mr. [redacted] acknowledged ownership of the debt and

terminated the phone call. While we noted in the complaint, Mr. [redacted] stated that he was "unsure

or the debt''; by reviewing our recorded cells, we were able to confirm that his statement is false.

as he acknowledged the debt during that conversation.

On February 21, 2014 we reached out to Mr. [redacted] in effort to make one final effort to

resolve his outstanding balance due to his US BANK account, we were however, unsuccessful in our

attempt.

In closing, we do apologize for any alleged misconduct by our representatives and tor any

inconvenience we have caused Mr. [redacted] and his family. In an effort to provide him with a

resolution, we have closed his account in our office; therefore he will no longer be receiving calls

from Premium Receivables regarding his US Bank Account.

If you have any further questions or concerns, or if we may be of further assistance, please

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

With Regard,

Chief Compliance Officer

Premium Receivables, LLC

Review: This is an ongoing issue since September 2010 when fraudulent chargers were made in Missouri using my Best Buy credit card (I live in Kansas). They were immediately notified and I was told an investigation would be opened and I would be contacted at a later date. I never received notice that anything was done and then I started receiving letters and phone calls from collection agencies. With that began years of crying, trying to explain, and yelling each time the account was sold off to another collection agency. With each collection agency I dealt with harassment, threatening phone calls to myself and family members (even my sister's mother in law). None of the agencies have been able to provide a detailed bill. A certified letter was mailed to Premium Receivables LLC in Huntington Beach, CA on July 24, 2014. It was received and signed for and I have still not received the requested documentation. The information I requested specifically is as follows: 1) the date, time, and location of the original purchase, 2) the total original purchase amount , 3) the specific items purchased, 4)the individual cost of each item, 4) Copies of statements that were sent to me 6) documentation on how this debt has grown to $2968.23 when it began at less than $1000. I have been in contact with Best Buy and they have no record of any purchases to support their claim against me.Desired Settlement: To supply the information requested via certified mail. Close this collection account and have the fraudulent debt removed from my credit history. Prevent the sale of this account in the future. THIS IS NOT MY DEBT!!!

Review: They call 20 times a day. leave threatening messages. Call relatives and relatives of my relatives that I do not know. They act like they are with the court and trying to file criminal charges if I do not pay. I have no idea who they are even collecting on. what they are doing is illegal.Desired Settlement: to leave me and everybody I know alone

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 August 24, 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 July 24, 2015, Platinum Holdings Group, LLC , a debt buyer based in California, purchased Mr. [redacted]’s American Web Loan account ending in #6035, which he opened on May 27, 2014 and paid on until July 30, 2014. 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 Grand Prairie, Texas. Subsequently, our representatives with Premium Asset Services began attempts to contact Mr. [redacted] on August 3, 2015 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. Unfortunately Premium Asset Services still had no luck reaching Mr. [redacted]; not once did Premium Asset Services have the opportunity to speak to Mr. [redacted] and once in receipt of his complaint we immediately removed his account from open collections. 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 American Web Loan account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact my director personally by phone at [redacted] or by email at [redacted] should he desire to resolve his outstanding obligation or if he has any additional questions, comments or concerns. With Regard, [redacted] Compliance Officer Premium Asset Services, LLC A Platinum Holdings Group LLC Company [redacted] (714)316-2740

Review: Repeated collection calls, despite clear request to cease all calls.Desired Settlement: Please cease all phone calls to ([redacted]. Please direct all future collection correspondence in writing to [redacted]

Business

Response:

We are in receipt of your letter dated May 19, 2014 regarding a complaint submitted to

your office by a Mr. [redacted]. I have reviewed the details of the complaint and thoroughly

investigated the account associated with Mr. [redacted]'s telephone numbers.

I have carefully reviewed Mr. [redacted]'s complaint and the account referenced in his

statement. Our company, Premium Receivables attempted to contact Mr. [redacted] regarding his

HSBC BEST BUY Account ending in #[redacted] which he opened June 27, 2009. Pursuant to FDCPA

Section 809a guidelines, we mailed his First Nottice/Validation Letter to the address we have on

file in Naples, FL.

Although we made attempts to reach Mr. [redacted] by calling the provided contact

numbers, as well pursuant to FDCP A, Acquisition of Location Information guidelines, left

messages with third-parties. Also noted in Mr [redacted]'s complaint, he stated that he requested to

cease all calls. According to our records, our representatives were unsuccessful in making direct

contact with Mr. [redacted].

That being said, we apologize for any inconvenience we have caused Mr. [redacted] and

while his HSBC BEST BUY Account will remain with an outstanding balance still due, I have

closed this matter internally so no further contact from our company will be received. Thusly, a

written communication indicating our action was also sent to Mr. [redacted]

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

to contact Danielle M. [redacted] or via email at [redacted]om.

With Regard,

Review: I received 3 phone calls in a row... 1 after the other. A man by the name of [redacted] left a voicmail stating it is In my best interest to call hom back today. He did state that he was calling from Premium Asset Services. When I returned his call, to the direct number that he left A man answered by the name of [redacted]. I asked to speak to [redacted] and that same man said that is me. My name is [redacted]. He stated that he was calling about a bill and said that he waned to know how I was going to pay this today. WHen I stated that I couldnt pay anything today he became rude and asked me why not. I in turn explained to him that My husband is laid off and has been laid off for almost 2 years, and I am the only one working in a household of 5 and I cant afford to pay it right now. He also stated many times that my credit will be adversly affected if I dont take care of this today. I told him that I am aware that it is on my credit history but as of now I am unable to make any payments. He then began asking more questions as to why I havnt paid this before now, I again explained that I could afford to. I then requested for him to send me a VALIDATION OF DEBT. He stated that he doesnt have to send me a validation of debt every time I request one. I told him that this is the 1st time I have ever requested one and he then stated that by law he doesnt have to send me it, he proceeded by telling me that I obviously have no intention on paying this bill so how about he just take further legal action against me and hung up the phone on me. I am married with 3 children still living at home, My husband is not working due to originally being laid off and now he is unable to work due to having recent back surgery. I am taking care of 2 children that are in college as well as paying everything all on my own. Im already on medication for severe depression and all this does is just add to my anxiety and mental state. Please helpDesired Settlement: Send me the Validation of Debt as requested and have this report be on permanent record. I will be sending a certified letter to cease and desist all future contact with me except via mail.

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 June 17, 2015 regarding a complaint your office received from Ms. [redacted]. I have reviewed Ms. [redacted]’s statement, and conducted a thorough internal investigation regarding her account in our office. Therefore, the following will summarize the context of my findings. On April 15, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s [redacted] account ending #[redacted], which she opened on December 2, 2010 and paid on until April 17, 2011. Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms. [redacted]’s home address in [redacted] which details all of the aforementioned Original Creditor and account information. Operating under the assumption our written communication was received by Ms. [redacted]; Platinum Holdings Group assigned her account to Premium Asset Services whom began efforts to contact Ms. [redacted] regarding her outstanding debt. On May 5, 2015 Premium Asset Services attempted reaching Ms. [redacted] at the telephone numbers associated with her [redacted] account. This however was initially ineffective until May 18, 2015 which was the day Ms. [redacted] returned Premium Asset Service’s call and had her first and only conversation with our office. Our representative first began explaining the details of Ms. [redacted]’s [redacted] account to her and then proceeded to ask if and how should could take care of her outstanding debt. Ms. [redacted] was fully aware of her outstanding balance yet stated she wanted Validation of debt and could not offer any type of payment. Although our agent explained we had sent a letter to her home address previously stating the necessary details and status of her account, Ms. [redacted] was adamant she had not received any written statements from our company and demanded we send her a validation of debt in the mail. After exhausting all efforts our representative could identify the stall tactics Ms. [redacted] was practicing and decided to simply close her account in our office. In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. While we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA. Nonetheless, we take all complaints seriously here at Platinum Holdings Group, LLC and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Ms. [redacted]. In an attempt to resolve this matter amicably, we have removed Ms. [redacted]’s [redacted] account from database. Ms. [redacted]’s account will however remain “UNPAID”, therefore should she desire to resolve her outstanding obligation or if any additional questions, comments or concerns should arise the Revdex.com and or Ms. [redacted] should feel free to please contact [redacted] at (714) 316[redacted] or by email at [redacted]@platinumholdings.com. We thank you for your time and bringing this matter to our attention providing us the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well. With Regard, [redacted] Compliance Officer Premium Asset Services A Platinum Holdings Group, LLC company [redacted]@platinumholdingsllc.com Phone: (714) [redacted]

Review: Rude and nasty phone calls, they have given my information out to CO workers and also stated what they were calling for, I asked them to stop calling and to send me proof via the mail and they did not honor my request.Desired Settlement: I want the phone calls to cease immediatly and for any and all information to be sent via the mail only

Business

Response:

Please see attached document. 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 8, 2015 regarding a complaint submitted by Mr. [redacted] to your office. I have investigated the matter internally and carefully reviewed the allegations made by Mr. [redacted] in his complaint and unfortunately his statement was mere fabrication. Premium Receivables, a debt buyer, purchased Mr. [redacted]’s [redacted] account ending in [redacted] in February of 2015. Pursuant to 15 U.S. Code § 1692g – vALIDATION OF dEBT, we mailed the First Notice/Validation letter to Mr. [redacted]’s last known home address in [redacted]. Under the assumption Mr. [redacted] had received our communiqué, our representatives, began efforts to contact him regarding his outstanding [redacted] debt at the telephone numbers associated with his account on March 2, 2015. We were however, unsuccessful as he was at work. Therefore, pursuant to Section 803(7) and 805(a)(3), our agents attempted reaching Mr. [redacted] at his place of employment, yet we were still unable to make contact. While we understand the concept of harassment is subjective, our agency and employees have conducted themselves professionally and within the guidelines of the FDCPA. Not once did our agent’s share Mr. [redacted]’s private information with his co-workers as stated in his complaint. Also noted was Mr. [redacted]’s claim, “I asked them to stop calling and to send me proof via the mail and they did not honor my request.” Not once did Premium Receivables have the opportunity of speaking with Mr. [redacted] hence no such message was communicated. Nevertheless, we would like to apologize for any alleged misconduct by our representatives and for any inconvenience we may have caused. 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. However, Mr. [redacted]’s account will remain classified as “DEBT STILL OUTSTANDING”; therefore, he is welcome to contact me personally by phone at ([redacted] or by email at [redacted].com 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].comPhone: ([redacted]

Review: PAS as they call themselves called my job asking for human resources stating that they were having someone from Denton County Serve me papers. They even went so far as to leaving a recorded message on the voicemail of one of the employees in the corporate office in Chicago. When I spoke with [redacted] I asked him what it was in reference to he said a Neiman Marcus account ($7000). I do not owe Neiman Marcus.He gave me a bogus number to call back. When he called my job the next day I told him about it he said that it wasn't his company and good luck because they were going to HR and he hung up on me.Desired Settlement: I would like them to take my name out of their system. Stop harassing me at work. Stop leaving recorded messages all over my company. Please do something about these people they are scam.

Business

Response:

Complaint Deportment

Revdex.com

January 20, 2014

Serving Sen Diego and Imperial Counties

4747 Vlewrldge Ave #200

san Diego, CA 92123-1688

R[redacted] Complaint ID; [redacted]

To Whom It May Concern:

We ore In receipt of ** complaint submitted to your office by a Ms. [redacted].

Upon recefpt of the complaint, I researched the allegations made by Ms. [redacted] as well as

the details of her account In our office.

Ms. [redacted] was contacted In an effort to resolve her Neiman Marcus account

ending In [redacted] that she opened In 1994 in regards to the messages that Ms. [redacted] states

are being left and recorded for people In her place of business, our compliance

department would like to hear these messages to determine that the Individuals leaving

the messages are from our company. If Ms. [redacted] could provide those recordings to us, we

would greatly appreciate ft.

All telephone numbers associated with Ms. [redacted]'s employer hove been removed

from our system, but the matter of her Neiman Account Is still unresolved. If Ms. Eoly

would llke to contact us In order to set up a payment arrangement, we will gladly work

with her. We are unclear as to why our representative would give Ms. [redacted] a "bogus"

telephone number as well, as Ms. [redacted]'s retum call would assist the representative In

resolving Ms. [redacted]'s account. However. she may contact our comp6ance department

directly to set up these payment arrangements ct ([redacted].

We do apologize for any Inconvenience caused to Ms. [redacted] by our cells. 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 Attomey General.

If you have any further questions or concems, or If I may be of further assistance

please feel free to contact [redacted] at [redacted] or email ot

[redacted]@premlumassetsvs.com.

With Regards,

Compliance Officer

Premium Asset Services. LLC

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I don't have a Neiman Marcus account and have never had one in the amount of $7000. Of course I don't have the recordings and this company knows that. I am not calling to set up a payment arrangement they need to take me out of their system. I don't want them calling me at all or my employer.

Regards,

Business

Response:

Complaint Department

Revdex.com

Serving San Diego and Imperial Counties

4747 Vlewrldge Ave #200

San Diego. CA 92123-1688



Re: [redacted] File No: [redacted]

To Whom It May Concern:

We are In receipt of your correspondence date January 22, 2014 containing a

response to our past communication with Ms. [redacted].

If Ms. [redacted] believes that the Neiman Marcus account we have In our office in her

name was opened by another person under her name, she should consider filing a

police report. Again, we apologize for any Inconvenience that our calls may have

caused. In an effort to provide the best resolution, we are closing Ms. [redacted]' s account in

our office and she will not receive any more calls from our representatives. We are

closing her account in our system, however the Neiman Marcus account in her name will

be sold to another debt buyer who will also attempt to resolve this matter. This is the

[unfortunate] course of a debt once It has been charged-off by the originating creditor;

debt buyers, will continue to "buy and sell"a debt reporting as "balance due" until it is

ultimately "satisfied". So although Ms. [redacted] will no longer be hearing from our office,

other debt buyers will undoubtedly contacting her in order to collect the debt that she

owes.

If there are any further questions or concerns. either the Revdex.com or Ms. [redacted] may call

and speak with me directly at [redacted].

Thank you,

Compliance Officer

Premium Asset Services, LLC

Review: I have been called many times by different people about a debt that had been charged off. Debt is over 5 years old and in Florida is past limitations to collect. First time I was contacted and they wanted me to send items to an address so I wouldn't lose my drivers license. The next time I asked for proof of debt but was never given any. Now they have contacted my place of employment twice asking for information and leaving a number to call back. I have asked that they not call my job but was told it wasn't illegal for them to do so. They are very rude and argumentative when they call and treated to sue me. I believe what they are doing is a scam and they need to be stopped.Desired Settlement: I would like them to stop contacting my place of employment and stop harassing me.

Business

Response:

We are in receipt of your letter dated June 16, 2014 regarding a complaint

submitted by Ms. [redacted] to your office. I have investigated the matter internally and

carefully reviewed the allegations made by Mr. [redacted] in his complaint.

Mr. [redacted] was contacted in regards to his JARED JEWELERS account ending in

#[redacted] Pursuant to 15 U.S. CODE 1692G- VALIDATION OF DEBT, we mailed the First Notice/

Validation letter to Mr. [redacted]'s home address in [redacted] on March 27, 2014. Our

representative also provided him information pertaining to his JARED JEWELERS account

during their conversation on June 1 0, 2014. As discovered during the course of our

investigation, he acknowledged ownership of the debt and advised our agent that he

already paid it off. He also stated that he would be faxing over the proof of payment".

We never received said document and no further attempts were made to reach Mr.

[redacted].

Mr [redacted] states in his complaint that his debt was charged off and is past the

Statue of Limitations to collect in the state of Florida. While Mr. [redacted] may not realize, the

Statue of Limitations in Florida is five years, and is calculated from the DATE OF the LAST

PAYMENT made on the account, not from that date it was charged off. Also, the Statue

of Limitations refers only to the suing party receiving a judgment and does not apply to

the debt no longer being due, or valid. The last payment on this account was on June 7,

2011, which places the account well within the statue. Nevertheless, in an attempt to

provide resolution, we have closed Mr. [redacted]'s account here within our office; hence he

will no longer receive calls from our company.

If you have any further questions or concerns, or if we may be of further

assistance, please feel free to contact [redacted] or by email at

With Regard,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

In my complaint, they were contacting my employment about this debt . The response they gave is not true. The last time they contacted my employment was June 16 th after I have requested that they do not call my employment. I was told that this was not illegal and they can call any time they wanted. After reading other complaints that other people have been writing , it seems that they can do what ever they want. I am satisfied that they have stopped calling, but do not understand why they are still allowed to treat people they way they do.

Regards,

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

Review: It would appear this company has recently purchased an extremely old debt account that they cannot verify. They called my wife looking for me, which was strange as they had my number on file, told her they had tried to get a hold of me on numerous occasions, yet I have never received a call or bill in the mail. I believe the call to my wife was there first attempt at calling me. After she informed me of the call I called them back immediately to see what the matter was in regards to.

A man who identified himself as [redacted] got on the phone and started stating a bunch of legal terms along with " I am in breach of contract with [redacted], for a total of $1493 and some change". I disagreed with that and when I started to ask questions like who did they buy this from he got upset, he tried to verify my name, first and last, which I did. Then he asked "is the last 4 of your social [redacted], I said no because I am not going to verify that is mine over the phone. he then started to yell and call me a liar and a coward. I tried to ask him more questions but he just kept saying " if its not you then why do you care you liar, stop being a coward". I eventually had to hang up.

Validating any information in regards to this debt through this company is the only step I have in disproving that I owe anything. I am not in debt to HSBC or the debt collector. If they refuse to give me any information, make rude comments, and yell at me, how can it be resolved? This is a very unprofessional way for any man to act, especially when conducting business, whether its my business or not.Desired Settlement: I would like a breakdown of the charges , including a date of service/ or default WITH REGARDS TO HSBC AND ANY DEBT OWED TO THEM THIS COMPANY IS TRYING TO COLLECT ON. He threw out there lawsuit, I would like to see any paper work pertaining to myself and this company in regards to any past, present or future lawsuits, IF THEY ARE TRUE.

Review: I was contacted by a gentleman named D[redacted]. This person says he was working for a lawyer and he was very rued and vogler. I am bi-polar as well as have PTSD this person did not want to lessen to a thing I had to say and coused me to have a manic brake down. Do to how he was talking to me calling me stupid and crazy and he did not and would not let me talk to his boss. he has also harassed my mother father and my self I have not gotten any letters from this company at all and just got phone calls as of last week. I was also never told I was being record well he was talking to me I found out when I heard the recorder. I am in the US in the state of VA.Desired Settlement: a report sent to me as well as the fbi if any laws where broken

Business

Response:

Re: Mr. [redacted]- #[redacted]

We are in receipt of your letter dated May 12,2014 regarding a complaint your

office received from Mr. [redacted]. Upon receipt of Mr. [redacted]'s complaint, a thorough

internal investigation surrounding his account here in our office was conducted. The

audit includes reviewing all records calls as well as the account details 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 Asset Services, attempted to contact Mr. [redacted] regarding his KAY

JEWELERS Account ending in #[redacted] which he opened April 1, 2011. Pursuant the the

FDCP A Section [redacted]o. our business with him was explained in detail in the First

Notice/Validation letter sent to the address we have on file in Williamsburg, VA.

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 KAY JEWELWERS 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

Thank you,

Chief Compliance Officer

Review: The said company, Premium Receivables continues to call my place of work, which is a restaurant and I cannot receive personal calls at. I attempted to work with them in settling a credit card debt 8 years ago. The settlement arrangement they sent me was not what we agreed on. The company continues to call the restaurant I work at and harass the servers and managers when they are told I cannot take the call. They are now calling my restaurant's corporate office with harassment and telling them they are going to serve me. My corporate office is not at liberty to share my information because they are aware this is a collection agency for a credit card.Desired Settlement: This company stop contacting my work and their corporate offices. Then deal with the fact that the N.H. statue of limitations does not allow for this type of behavior from a debt collector of a debt from 8 years ago to stand up in a court of law. They have written this debt off already. They may not use my employers address as my own because it is not in the jurisdiction of New Hampshire, but Massachusetts.

Business

Response:

We are in receipt of the consumer’s complaint submitted to the Revdex.com and while we want nothing more then to provide the Revdex.com with a response to Mr. [redacted]’s complaint to shed light on what truly transpired, we find our hands tied as Mr. [redacted] filed a law suit against our company. At the advice of our Legal Counsel, we can not currently comment on the account or what transpired. Therefore, at this point in time, we can not provide the Revdex.com with a Response other than to say the account has been closed and Mr. Antonio has not been contacted. This matter is out of our control and we sincerely hope the Revdex.com understands our position and does not penalize our company. If you have comments, questions or concerns, please feel free to contact me at ###-###-####. With Warm Regard, [redacted]Chief Compliance Officer

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: On July 21, 2014 at 2:40 pm (pst) I returned a voicecall to Premium Asset Services at [redacted] and spoke with Agent [redacted]. The agent informed me that I have an alleged debt owing to [redacted] in the approximate amount of $1700.00. [redacted] stated that his company had filed an "action" to recover the alleged monies owing to US Bank and inquired about arrangements I wanted to make regarding repayment of the alleged debt. Even after inquiring about what his company was seeking to do, [redacted], nor his supervisor, ever informed me that they were a debt collector seeking to collect the debt and that any information provided would be used to collect that debt (in violation of the FDCPA). After advising both the agent and his supervisor about the violation, they discontinued the call.Desired Settlement: As this was the first violation of the provisions of the FDCPA, I would like to see Premium Asset Services assessed the $1,000 fine and to have any alleged balances owing to the creditor reduced by the same amount.

Review: This company keeps calling me. I have an old debt several years ago with HSBC. I have tried to make payments arrangements with them on what I can afford and they won't let me make the amount I feel comfortable with.

Business

Response:

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated October 8, 2015 regarding a complaint your office received from Ms. [redacted] formally known as [redacted] Pullum we began an internal investigation. The following will describe our findings based off the thorough analysis conducted within Platinum Holdings Group with regard to Ms. [redacted]’s statement and her account in our office. On October 6, 2014, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s HSBC Orchard Bank MasterCard account ending #[redacted] which she opened on November 9, 2005 and paid on until December 20, 2007. Our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, began efforts to contact Ms. [redacted] regarding her outstanding debt on September 22, 2015 at the telephone numbers associated with her account. In addition, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Middleburg which explained her account in detail. Our representative was successful in reaching Ms. [redacted] right away and once verifying she was in fact speaking to the correct party our agent began describing the details of Ms. [redacted]’s HSBC account to her while requesting possible arrangements she would feel comfortable making. Ms. [redacted] explained her current living and financial situation’s and offered small payments to pay off her large debt. In an effort to assist Ms. [redacted] in paying her settlement in a timelier manner while saving a large portion of the amount owed our representative offered a settlement arrangement with larger payments with a much smaller pay off balance. After discussing various possibilities, Ms. [redacted] finally agreed upon a settlement she expressed was both manageable and fair. Once the said arrangement was determined our agent explained our requirement for representation for the future payments however because of past experiences with another company Ms. [redacted] was not willing to provide her personal banking information. Finally a supervisor took over the call to express Premium Asset Services, LLC’s reasoning for such requirements. Consequently Ms. [redacted] placed her husband on the phone; he showed no interest in compromise and the call was terminated. The following day our agent contacted Ms. [redacted] for a second time to explain other options for providing payment such as a prepaid credit card. Ms. [redacted] considered the option said she would speak to her husband and the call was ended and no further contact was made. In order to substantiate these facts stated above, the internal monitoring and recording system were researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. While we have discovered some inconsistencies between the allegations in the complaint written by Ms. [redacted] and our internal records, we do apologize for any inconvenience our offices may have caused. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General.Furthermore, in order to provide Ms. [redacted] with a resolution, we have removed and closed her HSBC account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me, [redacted], via e-mail at [redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted]Compliance Officer

Review: I have begun receiving correspondence and phone calls from this company for a credit debt that had been settled and closed years ago when I had been previously married. I contacted the original creditor, who verified that this account is indeed settled and closed, and they are also looking into it. However, this company has been calling my ex-wife's family, other individuals, and my young daughter's cell phone, using deceitful techniques that border on harassment and unlawfulness.Desired Settlement: I am requesting that they CEASE and DISIST their correspondence and, most importantly, their harassing phone calls, especially to my daughter!

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 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]

Review: Someone from this company called my employer trying to gain wage and personal information about me. I was in my office when they again contacted my employment and I was able to speak with them. They informed me that I owed over $7000 on $3000 old debt and told me that I was going to be garnished. I asked for the court information (since I was going to be garnished) and he told me that it had not been taken to court yet and was being referred to their attorney. I asked why I had not been contacted in writing at all about the matter and they stated that they had contacted me in writing several times. This is false, I have never received anything in writing from this company to date. I told him that I would like all correspondence sent in writing and not to call me at my work. His response to me was that there would be no further communication to me in writing or by phone. He did not leave me any contact information.Desired Settlement: Stop contacting me at my office; send all correspondence in writing.

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- 1060984 We are in receipt of your notification dated May 7, 2015 regarding a complaint your office received from Ms. [redacted]). I have reviewed Ms. [redacted]’s statement, and conducted a thorough internal investigation regarding her account in our office. Therefore, the following will summarize the context of my internal investigation. On March 9, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s JB [redacted] account ending #[redacted], which she opened on December 30, 2009 and paid on until June 1, 2011. Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms. [redacted]’s home address in Mobile, Alabama which details all of the aforementioned Original Creditor and account information. Operating under the assumption our written communication was received by Ms. [redacted]; Platinum Holdings Group began efforts to contact Ms. [redacted] regarding her outstanding debt at the telephone numbers associated with her JB [redacted] account. This however was in effective as Ms. [redacted] was at work. Therefore, pursuant to Section 803(7) and 805(a) (3), without having knowledge that Ms. [redacted]’s employer prohibited calls, our agent began attempting to reach her at her place of employment. Finally, on May 5, 2015 one of our agents was able to speak with Ms. [redacted] regarding her outstanding balance. Once our representative began explaining the details of Ms. [redacted]’s JB [redacted] account, more specifically her outstanding balance, she became distraught and claimed she had not received our written correspondence. Our representative tried to clarify with Ms. [redacted] we had in fact sent a letter to her and had not been in receipt of return mail which led us to believe she had in fact received our written notification. Unfortunately, Ms. [redacted] was adamant she had not received any written statements from our company and demanded we contact her solely via mail. Our agent then informed Ms. [redacted] we would not be calling her again, as she had requested. In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. While we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA. Nonetheless, we take all complaints seriously here at Platinum Holdings Group, LLC and we apologize for any alleged misconduct by our representatives and for any inconvenience we have caused Ms. [redacted]. In an attempt to resolve this matter amicably, we have removed Ms. [redacted]’s JB [redacted] account from our collection floor. Ms. [redacted]’s account will however remain “UNPAID”, therefore should she desire to resolve her outstanding obligation or if any additional questions, comments or concerns should arise the Revdex.com and or Ms. [redacted] should feel free to please contact [redacted] M. [redacted] at [redacted] or by email at [redacted]@platinumholdings.com. We thank you for your time and bringing this matter to our attention providing us the opportunity to not only address the concerns of the Revdex.com, but the consumer’s as well. With Regard, [redacted] Compliance Officer Platinum Holdings Group, LLC [redacted]@platinumholdingsllc.com Phone: [redacted]