Premium Receivables

Review: I received a called from a Mr. [redacted] and he insisted that I take care a collection matter that was done back in 2005 which I inform him that I filed it under my bankruptcy which he went on to tell me about my credit history and that I had not file bankruptcy then he resource further while I was on the phone with him and discovered that I filed bankruptcy back in 2000 which did not include the debt I owe to his company so I ask him if I could call him back after I resource this information I call him back and he advise me of 2 option I could do for repayment I advise him that I would have to seek help from my mom who is out of town he said that's fine to call him back which I told him I would call him back next weekI received a call today from Mr. [redacted] on my work phone doing a follow-up call so I proceed to advise him not to call me at work but he could reach me on my cell phone he begin to get upset with me and talking rude and disrespectful and I hung up the phone.he then calls me on my personal phone treating me about taking legal action against me.I never felt so threaten from his tone on what his company is going to do to me legally he contacted my job and had them fill out a employment verification form without my authorization and begin to read off to me my personal information (such as hourly wages, supervisor etc..) I want to have this company reprimanded for harassment when I clearly want to take care of the debt but make some type of arrangement which Mr. [redacted] agree to do with me but today he states they are no longer going to since I ask him not to call me at work.Desired Settlement: I would like to owner of this company to call me personally handle this matter since I would like to set up arrangement to settle the debt but with their representative not willing to talk to me with respect or work with me it's hard to handle such obligation.

Business

Response:

We are in receipt of your letter dated March 21, 2014 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.



Premium Receivables, a debt buyer, purchased Ms. [redacted]'s US Bank account ending in [redacted] in

December of 2013. Pursuant to 15 U.S. CODE§ 1692G-VALIDATION OF DEBT, we mailed the First

Notice/Validation letter to Ms. [redacted]s home address in Wichita KS on January 17, 2014. Under the

assumption she had received our communique, our representatives contacted Ms. [redacted] on January 30,

2014 and proceeded to advise her of the outstanding balance still due. During the course of that

conversation Ms. [redacted] made payment arrangements with our representatives and advised that she would

call back the following day to provide payment information. No further contact was made until she

failed to honor the promised arrangement. According to our records, our representatives were told to

cease calls to Ms. [redacted]'s place of employment and no other calls were made.

We apologize for any alleged misconduct by our representatives and for any inconvenience we

may have caused. Furthermore, we have noted Ms. [redacted] stated in her complaint that she is willing

resolve her outstanding US Bank Account. Therefore we welcome her to contact our Compliance

Department directly at [redacted] within 14 days; we would be happy to assist Ms. [redacted] in resolving this

matter.

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

free to contact me directly at [redacted] or by email at [redacted]

With Regard,

Chief Compliance Officer

Premium Receivables, LLC

Review: This company has been hounding us with calls at home. And we have no idea why, they wont tell us why or if its is for me or my father. Businesses get me ([redacted]) and my father ([redacted]) mixed up all the time, since we have similar names except for our middle names.Desired Settlement: stop contacting me period.

Review: This company called multiple family members including my former mother in law that I have not spoken to in years. Two of the family members stated that the representive were looking for me regarding property . Another stated that I listed them as a contact number back in 2012 which was untrue. They called my work and cell several times. They called my co worker also numerous time and told them they had legal documents to drop of to me. The call was transferred to me and told me that they needed to drop legal documents to my work or another location of my choosing. I asked what it was in reference to, I was given a case number. And a number to call. I was told that he would change a work order so I could call and get more information. However the number was the same number that person was calling from. When I called the number I spoke to a lady and then transferred to a guy who claimed to be a director. He was confirming my information and I asked him before I do what was this in reference to. He told me this was for a debt with payday loan. I asked what options do I have and was told I had until the end of the month to pay, or they would come to my work. I stated very calmly can I have proof that the company was legit. The man balk at me and acted like I was getting upset and not wanting to pay my debt. He got upset and said I was getting agataited. I restated again that I wanted proof or conatact a lawyer. He said he was going to push the order through because I was talking over him.. He treated me horribly just because I asked questions and requested information.Desired Settlement: I want the company to leave me alone and stop calling my work, me, and my family. I want them to leave me only and send whatever documents to verify this debt by mail.

Business

Response:

Re: [redacted]; Complaint ID- [redacted]We are in receipt of your letter dated September 9, 2015 regarding a complaint your office received Ms. [redacted]. Unfortunately I never received the original complaint however I have reviewed Ms. [redacted]’s statement from another complaint submitted to the CFPB, and conducted a thorough internal investigation regarding her account in our office.While I have reached out to Ms. [redacted], sending her a Consumer Complaint Resolution Letter offering our assistance in aiding to resolve her complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation. On July 24, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s American Web Loan account ending #[redacted] which she opened on July 14, 2014 and paid on a mere two months with a final payment recorded on September 16, 2014. Platinum Holdings Group, LLC subsequently assigned Ms. [redacted]’s account to our agents with Premium Asset Services, LLC whom began efforts to contact her regarding her outstanding American Web Loan account Balance. Premium Asset Services, LLC consequently mailed out a First Notice/Validation letter to her last known address in [redacted] Louisiana which detailed Ms. [redacted]’s said account. Our representatives began efforts to communicate with Ms. [redacted] at the telephone numbers associated with her American Web Loan account which included leaving messages at her place of employment and with third parties simply to relay a message to our consumer Ms. [redacted] in hopes we could speak to her directly. Later, the same day, on August 6, 2015 Premium Asset Services, LLC found themselves in receipt of a return phone call from Ms. [redacted]. After verifying whom they were speaking to by confirming the necessary personal information and reciting the [redacted] one of the directors from Premium Asset Services, LLC began explaining the details of Ms. [redacted]’s account and the reason for our calls. Ms. [redacted] initially seemed aware of the outstanding debt and inquired about her options. Devoid of interest in settling her outstanding debt Ms. [redacted] began expressing her frustration with regard to our attempts to reach her through her ex-mother-in-law and place of business. Ms. [redacted] then began requesting formal verification of her debt while expressing a lack of cooperation with our agent. After a continuance of miscommunication and an evident foreshadowing of Ms. [redacted]’s efforts to avoid paying her bill the call was ended and no other communications occurred. In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled and reviewed. Pursuant to those recordings, at no time did our agents at Premium Asset Services, LLC ever threaten Ms. [redacted] as described or alleged in this complaint. While we understand the concept of harassment is subjective, our employees have conducted themselves professionally and within the guidelines of the FDCPA.Nevertheless in order to provide Ms. [redacted] with a resolution, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me, [redacted], via e-mail at [redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve his outstanding obligation or if have any additional questions, comments or concerns.

Review: In June 2014, this company contacted my daughters on their personal cell phones. They had all sorts of personal information about my daughters. Where do they get information on my children. They are married and live at different addresses. They told my daughters that they were listed on the debt and they had to contact me. They told them both that I had to contact [redacted] at [redacted] or they were going to issue a summons and take me to court. I found out from friends that they had called my former employer. I spoke with an attorney and he told me to call them and ask for documentation. When I called, there was no [redacted] there, but I spoke with some man. I asked for some documentation of what this debt was, and he wanted me to submit a payment right there over the phone. He told me that this was for a debt from 1999, that the company had written off. When I said that I wanted some documentation before I paid any money, he passed me over to another man who said he was vice-president of the company. I didn't even know what company it was. They never told me. This man said my call would be recorded, and proceeded to berate me for asking for documentation. Said he didn't work for me and began yelling at me. I kept telling him that I needed some documentation. He said I could talk to a judge about that. I said I sure hope to hear this tape when we're before the judge because all I have said is that I want some documentation of this. He hung up on me. A few minutes later, the first man called me back. He tried to be realpolite and said that he would send the papers I wanted but I needed to make some sort of payment now, over the phone. I said I needed to see paperwork first. I received a letter today, July 1, and all it is is another demand for payment, This letter is how I found the name of Premium Receivables.Desired Settlement: To not call my children or employer.

Business

Response:

Please be advised the attached Response was sent via mail and fax on July 9, 2014.

Thank you!

RevDex.com

Serving

San Diego,

Orange & Imperial Counties

4747 Viewridge Ave #200

San Diego, CA

92123-1688

Attention: [redacted]

Re:

We are in receipt of your letter dated July 1,

2014 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] complaint.

Pursuant to 15 U.S. Code § 1692g – vALIDATION

OF dEBT, Premium

Receivables, a debt buyer mailed the First Notice/Validation letter to Ms. [redacted] home address in Rootstown, OH. 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] allegations are without

merit. At no point during the

conversation did our representative release any of her “personal information” to her daughter. It was only after unsuccessful

attempts to reach Ms. [redacted], as stipulated in the FDCPA under Acquisition of

Location Information, our representatives made contact with 3rd

Parties in an attempt to get a message to Ms. May.

Our representatives spoke with Ms. [redacted] regarding

her balance due to HSBC Metris on June 26, 2014. While a

settlement offer was agreed to, Ms. [redacted] requested documentation of the

arrangement to be sent to her first. The

letter outlining the Settlement terms, the original creditor, account number

and balance was mailed to Ms. [redacted] on June 26, 2014. Although Ms. [redacted] indicated that she received

our letter, her daughter called our office on July 3rd stating that

Ms. [redacted] would like to send in a money order to close out the account but she

hasn’t yet received our letter.

While we apologize for any alleged misconduct by

our representatives and for any inconveniences caused, we have noted Ms. May

statement that she is willing resolve her outstanding HSBC METRIS account. Therefore I welcome Ms. [redacted] to contact me

directly at [redacted] upon receipt of this letter. I am more than happy to assist Ms. [redacted] in

resolving this matter.

If you have any further questions or concerns, or

if I [redacted] be of further assistance please feel free to me by phone at [redacted] or via email at [redacted]

With

Regard,

Consumer

Response:

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

Regards,

What does allowing access to my personal medical information have to do with settling this issue??? This is just an illegal and unethical attempt to obtain personal information protected by HIPPA regulations. Apparently they intend to use this information to harass employers and former employers of family members in order to convince they that they have some liability to this company.Previously when they contacted my children, they told them that they were co- debtors on the bill (an outright lie), but refused to tell them what the bill was about. I refuse to allow this company any access to my personal medical history. And do people actually accept this proposal??

Review: A man by the name of [redacted] has been calling my cell phone and leaving threatening messages. They have also been calling my job. They have spoken to another woman I work with by the same name as myself and have also spoken to the HR department twice. I am a temporary employee and I am not able to take personal calls at work. I called them back at [redacted] and spoke to [redacted]. I told him I didn't want them contacting me at work. He transferred me to a gentleman named [redacted]. I told him I would like something in writing regarding the debt and that I was not able to take personal calls at work. He then began yelling at me and threatening me. He told me he would still contact me at work because he had verified I was gainfully employed in the state of California and he wasn't going to play games with me. I repeated to him that he could not contact me at work and said bye. He then continued to yell, however, I am at work and cannot engage in this argument with him.Desired Settlement: I would like a letter in writing stating what this debt is that they are calling about. I would also like them to stop contacting me at work or speaking to anyone at my office regarding this debt.

Review: Business continuous to call my employer screaming and threatening me, even after I have asked Director([redacted]) not to call my employer. I made him aware that I will contact the credit bureau in regards to the unknown debt, and the director continues to call my employer harassing me.Desired Settlement: I would like this company to stop call me regarding this matter, especially at my place of employment. If there is anyway that the Director can be reported regarding his irrational behavior, I would like that done as well.

Business

Response:

We are In receipt of your correspondence dated March 10,2014, regarding a complaint

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

absolutely, in no way do we condone any representatives of our company to handle a call in the

manner described. This matter has been brought to the attention of our company executives and

the Director that Ms. [redacted] spoke with will have repercussions.

The unknown debt that Ms. [redacted] alludes to is her HSBC Metris account ending In [redacted]

that was opened on June 14, 2007 that to date has an unpaid balance of $1,929 .72. Our records

indicated that our dealings with Ms. [redacted] lasted for 3 days. March 4th through March 6"', 2014

and in the course of that time our representatives were not told to cease contacting her at her

place of employment. Regardless we do apologize for any inconvenience caused to Ms. [redacted].

When we received the complaint from your office, we immediately notated Ms. [redacted] account

in order to prohibit all further contact at her place of employment.

On the 6th of March. Ms. [redacted] informed our representative that she did not want to

resolve her HSBC Metris account with him and at that time, her account was forwarded to our

legal department. Necessary documents have been ordered and our legal department will move

forward with this matter. If Ms. [redacted] would like to call in and amicably satisfy the unpaid

balance with the head of the legal department. she may do so by calling [redacted] at [redacted]

Our company is well versed in the FDCPA Including other state and local collection

regulations and we strive to ensure our representatives obey and adhere to all collection laws

governed by the FDCPA the FTC and the Attorney General. We take these complaints very

seriously.

If Ms. [redacted] has any further questions or if we may be of any further assistance. please

feel free to contact [redacted] or by emai at

With Regard,

Compliance Officer

Premium Receivables

Review: My husband received a call for me today from someone at Premium Receivables. At first they thought they were calling my work and when my husband said I was not available they then asked for a manager or supervisor. This immediately aroused suspicion and he told them he was part of the business and could speak to him. Then the person on the phone started saying that unless [redacted] comes to the phone they will proceed with lawsuit. When asked what this lawsuit was regarding he said he could not tell me as it had nothing to do with the company he thought he was calling. He started becoming threatening regarding taking me to court unless I called him right away. At this point my husband said good by and hung up. Immediately they called back at which point my husband identified himself as such. This seemed to make the caller more belligerent and re intensify his efforts to threaten me with a lawsuit. My husband informed him unless he was told who made this claim etc. then the conversation was over. He was then told that he got a note from their attorney regarding an HSBC/Best Buy account that I owed money on. I clearly remember disputing this several years ago, and the last time I had an HSBC/Best Buy account was in 2005 which is way beyond the statute for pursuing further. When asked to provide details of the alleged debt he refused to give information and continued to threaten a lawsuit, he even implied they will go after my company. First off it is completely unethical for him to call, what he thinks is a business and harass the person on the phone to get my manager, etc. Then to just keep threatening and threatening lawsuits was ridiculous.Desired Settlement: I would like Premier Receivables to cease and desist all contact with me, my company, and my husband. If in fact they have legitimate proof of debt still owed I require debt verification from the original creditor within 30 days as required by the FDCP Act. If I find out they have contacted other people and told them about this alleged debt and/or harassed them in anyway I will be forced to pursue further legal action.

Business

Response:

We are in receipt of your correspondence doted June 19, 2104, regarding a complaint

submitted to your office by Mrs. [redacted]. l have reviewed the details of Mrs. [redacted]'s

complaint as well as investigated into what took place in our office.

Mrs. [redacted] was being contacted regarding her HSBC Orchard Bonk Account ending in

[redacted]. Our business with Mrs. [redacted] was explained to her in detail in a letter sent to her last known

address in [redacted]. June 19. 2014, our representative attempted to locale Mrs. [redacted] at the

telephone numbers associated with her HSBC Orchard Bank Account.

Our sole intention wos to speak with Mrs. [redacted] and resolve the matter of her

account in our office; unfortunately. we were unable to do so. However, we did come in contact

with Mr. [redacted] in an effort to reach Mrs. [redacted]. Our oftemptwas unsuccessful and the call was

terminated. We do understand that there ore always iwo sides to every story and we apologize

for any alleged misconduct by our representatives. In an effort to resolve this matter with Mr. & Mrs.

[redacted], we've removed ALL telephone numbers associated with Ms. [redacted] from our system

and notified our represen·tatives they were not to contact Mr. & Mrs. [redacted] for any reason.

However, most consumers do not realize· or understand that a debt is purchased and sold

rather quickly, they often times make assumptions that any call relating to a specific account, is

from the same company. 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 repotting as

"balance due'' until it is ultimately "satisfied". So although Mrs. [redacted] will no longer be heoring

from our office. other debt buyers will undoubtedly contacting her in order to collect the debl that

Mrs. [redacted] owes.

That being said, we opologize for any inconvenience we have coused Mr. & Mrs. [redacted]

and while their HSBC Orchard Bank account will remain with an outstanding balance still due. I

have CLOSED this motter internally so no further contact from our company will be received. Thusly,

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

Our company is well versed ln 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 these complaints very

seriously.

If you have any further questions or concerns, or if I rnoy be of further assistance please

feet free to contact [redacted] M.

With Regard,

[redacted] M [redacted]

Chief Compliance Officer

Review: Premium Receivables LLC CONTACTED ME BY MY JOB AND STATED THAT THEY WERE GOING TO START GARNISHING MY WAGES FOR A OLD BANK ACCOUNT FROM 5YRS AGO. NOW I TOTALLY FORGOT ABOUT IT.MAYBE BECAUSE IT WAS 5YRS AGO. ANYWAY I CALL THEM UP AND SPEAK TO A PERSON NAMES EIN TATE WHO CONTINOUS CALLED MY JOB AND PHONE AFTER I ADIVISED HIM THAT I WOULD CALL HIM WHEN I HAVE TIME TO SPARE. I INVENTUALLY MADE A PAYMENT OF 243. 45 OF SOMETHING LIKE THAT. I SET UP A PLAN AND EVERYTING BUT WHAT THEY FAILED TO DO IS TO SEND ME A RECEIPT. I ALSO RESEARCHED THEM AS WELL AND THERE NOT A VERY PLEASENT GROUP OF PEOPLE. SO I TOLD THEM IF THE DIDNT SEND ME A RECEIPT, I WILL NOT BE MAKING ANYMORE PMTS. THEY DIDNT SEND IT, I STOP PAYING. THE PROBLEM NOW IS THEY CALL ME JOB 4 TIMES A WEEK AS WELL AS HARASS MY FAMILY MEMBERS. THEY ONLY THING I WANT IS FOR THE CALLS TO STOP. THATS ALL I WANT BECAUSE NOW THERE BREAKING LAWS CONCERNING THE FDCPA.Desired Settlement: WANT CALLS TO STOP.

Business

Response:

Be; [redacted]

We are in receipt of your letter dated March 11, 2014 regarding two complaints

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

and carefully reviewed the allegations made by Mr. [redacted] in his complaint. This response is

intended to address both of Mr. [redacted]'s complaints.

Mr. [redacted] was contacted in regards to his US Bank account ending in [redacted] that was

closed In 2008 and has an outstanding balance. He was given this information the first

time he spoke with one of our representatives on January 22, 2014. Prior to our speaking

with Mr. [redacted], we spoke with his employer in order to verity employment which is well

within our rights pursuant to the Acquisition of Location Information section of the FDCPA.

Mr. [redacted] made payment arrangements with our representatives and upon making these

arrangements, no further contact was made until he failed to honor the promised

payments. According to our records, our representatives were not told to cease calls to

Mr. [redacted]'s place of employment.

In regards to the allegation that we made several calls to his family members, this

Is an exaggeration. Our records only indicate that Mr. [redacted]'s mother was called only

once and she informed representative that she would pass on a message to call our

office.

Mr. [redacted] also states in one of his complaints that he was never provided a receipt.

Mr. [redacted] requested a letter from our office on February 24th, 2014 and that letter was sent

to his email that day at 11:38 am Pacific Standard Time. I am also sending Mr. [redacted] the

receipt request and a second letter from our office today, March 17, 2014. If Mr. [redacted]

would like to continue to work out the matter of his outstanding US Bank Account, we

welcome him to contact our Compliance Department directly at [redacted] within

14 days; we would be happy to assist Mr. [redacted] in resolving this matter.

We do apologize for any alleged misconduct by our representatives and for any

Inconvenience to Mr. [redacted] at all.

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

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

With Regard,

Compliance Officer

Premium Receivables, LLC

Review: This company has continued to contact my prior employer while I was employed and even afterwards after being told at least two times that I cannot receive calls there.Desired Settlement: Cease all communication.

Business

Response:

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]We are in receipt of the submission of Ms. [redacted]’s complaint. Immediately upon receipt of the complaint, a thorough internal investigation regarding this account was launched and a Consumer Resolution Letter was mailed to Ms. [redacted]’s home address. Although I have not received a response, I have reviewed both the details of Ms. [redacted]’s complaint and thoroughly analyzed all matters surrounding the account we have here in our office. According to my investigation, it appears as though Ms. [redacted]’s allegations are without merit, and below is a summary analysis of our internal audit.Premium Receivables, LLC, a debt buyer based in California, was sold Ms. [redacted]’s HSBC’s Best Buy Internet Account ending in #9233 on November 6, 2014. Pursuant to 15 U.S. CODE § 1692G – VALIDATION OF DEBT, the First Notice/Validation letter, which provides all of the aforementioned Original Creditor and account information, was mailed to Ms. [redacted]’s home address in Miami, FL; No Returned Mail was noted on the account. Our agents attempted to reach Ms. [redacted] by telephone calling the numbers associated with her HSBC Best Buy account. Although approximately a half dozen attempts were made over the course of 6 weeks, Ms. Harris never returned a call. Therefore, pursuant to Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, messages were left with other third-parties in hopes Ms. [redacted] would return our call. Section 804 of the FDCPA Acquisition of Location Information identifies and encompasses calls to employers. While we never spoke with Ms. [redacted] directly, we had attempted to reach her at her place of employment. At no time were we advised that the consumer’s employer prohibited such calls, nor did we ever represent ourselves as Process Servers. In order to substantiate these facts stated above, our internal monitoring and recording system was researched and all calls referencing 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. Nevertheless, we do apologize for any inconvenience caused and in an effort to provide Ms. [redacted] with a resolution to this complaint; we have closed her account in our office. While her balance will remain as UNPAID, she will no longer receive calls regarding her HSBC Best Buy account from any company associated with us here at Platinum Holdings Group.Should you have any further questions or concerns, or if I may be of further assistance please feel free to contact me by phone at (714)[redacted] or email at d[redacted]@premiumreceivables.com.With Regard,[redacted] M. [redacted]Chief Compliance OfficerPlatinum Holdings Group, LLC d[redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Review: Good Afternoon, Beginning March 2014, I have received numerous phone calls from the following contacts and phone numbers I have listed below. They have left numerous "intimidating" voice messages that do not pertain to me. I do believe the Company harassing me is a Collections Agency. With that said, I am confident that I have kept up and managed all of my personal bills in order to maintain a healthy Credit Score. There is no reason for them to continue harassing me. [redacted]PAS Associates1[redacted]Desired Settlement: If there is anyway to block or prevent this Company from contacting me, I would greatly appreciate it.

Business

Response:

We are in receipt of your correspondence dated March 20, 2014 regarding Mr.

[redacted]'s complaint of voicemails received. Upon cross-referencing the phone

number Mr. [redacted] listed on the complaint, an account for Ms. C[redacted] was

located.



Pursuant to the results of the Investigation, Mr. [redacted] has the address that was

linked to an account for Ms. C[redacted]. We do understand that receiving phone

calls for someone other than you can get frustrating and we apologize for any

inconvenience Mr. [redacted] may have been caused. In an attempt to resolve this matter,

we have removed Mr. [redacted]'s telephone number, [redacted], from our

calling database. Therefore, I can assure Mr. [redacted] that he will not be receiving phone

calls from our office again.

Our company is well versed in the FDCPA Including other state and local

collection regulations and we strive to ensure our representatives obey and adhere to all

collection laws governed by the FDCPA, the FTC and the Attorney General.



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

please feel free to contact [redacted] M. [redacted] at ([redacted] or by email at

With Regard,

VIce President of Compliance

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 am not completely satisfied with the offer. I am requesting that not only my home telephone number [redacted] be deleted from their database, but also my personal cell phone number ([redacted] deleted as well.]

Regards,

Business

Response:

Re: [redacted] Complaint ID: [redacted]

We are in receipt of your correspondence dated April 17, 2014 regarding Mr.

[redacted]'s unsatisfactory complaint resolution/.

According to our account records the only number associate with Mr. [redacted], ([redacted] was removed. We can assure all that Mr. [redacted] hasn't received

any phone calls from our office, as the last cell was made on March 28, 2014. Please

note, we received this Revdex.com complaint on March 31, 2014

Our company is well versed in the FDCPA including other state and local

collection regulations and we strive to ensure our representatives obey and adhere to all

collection laws governed by the FDCPA. the FTC and the Attorney General.

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

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

Review: This company has contacted my husband and I multiple times over the last week. It is regarding a debt that is over 8 years old. It is solely in my husbands name, so they should not be contacting me at all. We have not received anything in writing verifying the original debtor, original amount, or account number. The person I spoke with on the phone threatened to come to my house and pick up valuables to settle the debt. He also stated that they will contact our employers and begin wage garnishments. In a voicemail he left, he stated that a claim has been made in Hinds county, but did not mention any type of claim when I called back. I just want my number removed from the account for collection purposes and something in writing to at least verify these claims. Why would any intelligent person pay a bill over the phone without anything verified? Why would a collection agency refuse to send something in writing?Desired Settlement: Or contact via mail.

Business

Response:

Re: [redacted] We are in receipt of your notification regarding a complaint your office received from Mrs. [redacted]. I have reviewed Mrs. [redacted]’s statement, and conducted a thorough internal investigation regarding her husband, Mr. [redacted]’s, account in our office.While I have reached out to Mr. and Mrs. [redacted], sending them a Consumer Complaint Resolution Letter offering my assistance in aiding to resolve Mrs. [redacted]’s complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation.Premium Asset Services, a debt buyer, purchased Mr. [redacted] account, ending in [redacted], in October, 2014. Pursuant to 15 U.S. CODE § 1692G – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Mr. [redacted]’s home address in Clinton, Mississippi in early November, 2014 which advised him of the outstanding balance. After a lack of response or dispute received by Mr. [redacted], our representatives attempted to contact him with the intent to resolve his outstanding debt. Our first attempt to contact Mr. [redacted] via telephone was on November 6, 2014. Our agent was successful and was able to speak to Mr. [redacted]. Although Mr. [redacted] expressed interest in paying his debt he also mentioned he would have to check his current finances with his wife. Our representative gave Mr. [redacted] the option to settle his debt for the low balance of $553.22 and Mr. [redacted] agreed to call back to discuss this arrangement. After not hearing back from Mr. [redacted] our agent called him back on November 10, 2014 and simply left a voicemail. On November 12, 2014 our agent still had not heard back from Mr. [redacted] and therefore, under Federal law Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, began to leave messages with third-parties in hopes Mr. [redacted] would return our call. Minutes after leaving a message on the phone number we believed to be Mrs. [redacted], Mr. [redacted]’s wife, we received a call back from her. Mrs. [redacted] explained that this debt had nothing to do with her and encouraged our agent to do what he had to do and we then received this complaint the very same day. While we understand the concept of harassment is subjective, our agency and employees have conducted themselves professionally and within the guidelines of the FDCPA. However, we would still like to take the time and apologize for any inconvenience we caused Mr. and Mrs. [redacted]. In closing, while Mr. [redacted]’s account will remain classified as “DEBT STILL OUTSTANDING”, we have removed Mr. [redacted]’s account from our Active database within our office to prevent further contact with him or his wife Mrs. [redacted].Mr. and Mrs. [redacted] are welcome to contact me personally by phone at (714) [redacted] or by email at [redacted]@platinumholdingllc.com should they desire to resolve this outstanding obligation or if they have any additional questions, comments or concerns. With Regard,

[redacted]Chief Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company

[redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Review: [redacted] continues to call my job and family members, when I try to tell him not to do this he talks over me and threatens to have me served at my place of employment, clearly this is harassment. He calls the main number at my job and calls several times a day, I've tried to get a fax number but he won't give it. When messages are left no company name is given or who is calling it's just [redacted] call me back when you get this. Who does business like this? This person is rude and unprofessional.Desired Settlement: Stop calling my place of employment and my family members and leaving threating voicemail messages on everyone's phone. I want the harassment to stop.

Business

Response:

Revdex.com May 12, 2015 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 correspondence dated April 28, 2014 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. While we have reached out to Ms. [redacted] by sending her a Consumer Complaint Resolution Letter offering our assistance in aiding to resolve her complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation. On March 9, 2014, Premium Receivables, LLC, a debt buyer based in California, purchased Ms. ([redacted]’s Jared account ending #[redacted], which she opened on May 21, 2008 and paid on until April 29, 2010. Subsequently, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation Letter to Ms. [redacted]’s last known address in Crosby, Texas. Our agents first attempted to communicate with Ms. [redacted] at the telephone numbers associated with her Jared account on March 16, 2015, however were unsuccessful as each call resulted in leaving messages on voicemails. 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. Additionally, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Ms. [redacted]’s employer prohibited calls, our agents left a message at her place of employment. However, pursuant to 15 U.S. Code § 1692c(c) – COMMUNICATION IN CONNECTION WITH DEBT COLLECTION, our representatives were unable to leave any account details when leaving messages which may be overheard by unrelated Third Parties. The first conversation our agents had with Ms. [redacted] she pretended to be a third party, claimed that [redacted] formally known as [redacted] was not in and took down a message. It became evident we were actually speaking to Ms. [redacted] after listening to each recording. The second and last time Premium Receivables was able to speak to Ms. [redacted] she immediately became upset and only miscommunication transpired before Ms. [redacted] decided to hang up. While we understand the concept of harassment is subjective, we understand that there are always two sides to every story as well and we apologize for any alleged misconduct by our representatives. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General. In order to provide Ms. [redacted] with a resolution, we have removed and closed her Jared account from ALL of our Active databases to prevent further contact. Ms. [redacted] is welcome to contact our compliance department personally by phone at [redacted] or by email at [redacted].com should she desire to resolve her outstanding obligation or if she has any additional questions, comments or concerns. With Regard, [redacted] Compliance Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted].com Phone: [redacted]

Review: They are constant calling my work and my supervisor told them not to and they still continue and has been very rude on the phone my supervisor told them not to call and they are leaving messages like this has to do with the property on [redacted] Dr and they have been leaving messages for me and my attorney they are going to get me fired if they don't stop callingDesired Settlement: leave me 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 correspondence dated April 23, 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]. Platinum Holdings Group, LLC, a debt buyer, purchased Mr. [redacted] account ending in 4604 on February 2, 2015, which he opened on December 23, 2006 and paid on until November 18, 2009.Pursuant to the Default Clause in Mr. [redacted]’ original contract, interest continues to accrue at the original creditor’s default rate, leaving a current B[redacted]ce of $5,180.06. Pursuant to 15 U.S. Code § 1692g – vALIDATION OF dEBT, Platinum Holdings Group, LLC mailed the First Notice/Validation letter to Mr. [redacted]’ home address in Little Elm, Texas. Our agents first attempted to communicate with Mr. [redacted] at the telephone numbers associated with his [redacted] account on February 11, 2015, albeit unsuccessful as each call resulted in leaving messages on voicemails. Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Mr. [redacted]’ employer prohibited calls, our agent left a message at Mr. [redacted]’ place of employment on February 24, 2015. Subsequently, Mr. [redacted] returned our call and our representative explained the details of Mr. [redacted]’ account to him. Mr. [redacted] refused to provide alternate contact information and stated he would need to speak to his wife and call back. Although we were able to speak with Mr. [redacted], no form of resolution was ever obtained. 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 Mr. [redacted]. We absolutely do not condone treatment in the manner that Mr. [redacted] described and we have taken necessary actions to prevent a similar instance from happening in the future. We thank Mr. [redacted] for bringing this matter to our attention as it is our company’s goal to always provide effective service to our consumers while reaching resolution for both parties. 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 [redacted] account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact our Compliance Department 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] Compliance Officer Platinum Holdings Group, LLC [redacted].com Phone: [redacted]

Review: Someone from this company has started calling the cell phone of my supervisor. Today the caller threatened to call the HR department of the company I work for to tell them that my supervisor was lying about who he was. In the last 2 days they have called my supervisor's cell 3-4 times. Their practices are rude, unethical and down right criminal.Desired Settlement: If I owe them a debt they need to contact me and only me via mail. I need to receive something proving this debt. Once receive I will take the necessary steps to verify it myself and if the debt is truly mine and I owe, I will then make arrangements to pay this debt. Until then another calls to my employer, my supervisors cell or to anyone who may know me need to cease.

Business

Response:

We are in receipt of your letter dated July 1, 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 ourlntemal 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 JB

[redacted] Account ending in #8471 which he opened March 27, 2009. Pursuant the

EDCPA section 809a out business with him was explained in detail in the First

We truly appreciate Mr. [redacted] bringing this matter to our attention and

understanding how Mr. [redacted] feels we hove 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 employer are made, we have removed all telephones numbers

from our database and CLOSED Mr. [redacted]'s JB [redacted] account.

Our company is well versed in the FDCPA ond other state and local collection

regulations ond our representatives ore required to obey and adhere to a !I collection

laws governed by the CFPB, the FTC, and the States' Attorney Generals.

If you have any further questions or concerns, or if I mqy be of further assistance,

please feel free to contact me by phone at (7[redacted] or by email at

Thank you

Review: After receiving notification that this company was trying to collect a debt, I sent a CERTIFIED letter requesting validation of said debt within 30 days. I received the certification back that was signed and dated by this company but they are still calling and leaving messages, in fact they have called my employer as well searching for information on me. It has been almost 2 months now since I received the signed certification card! Nothing has been received regarding the validation and they have violated the FDCPA at least 4 times with phone calls. 1/9/2014 letter from Premium Asset Services LLC [redacted] ste [redacted] mailed certified letter disputing debt and requesting validationRECEIVED GREEN CERTIFICATION CARD addressed to Premium Asset Service [redacted] ste [redacted],92648 Signed by [redacted] date of delivery 1/15/141ST VIOLATION: 1/29/2014 received phone message from [redacted] from Premium Receivables [redacted] threatening "We don't need your cooperation to resolve...will be taken into Legal Action"2nd VIOLATION: 2/11/2014 [redacted] left message Premium Receivables "this an attempt to collect a debt..."[redacted]3rd VIOLATION: 2/24/2014 Received recorded message from "Premium Receivable with important information" [redacted] VIOLATION: 3/11/2014 [redacted] left message "...move forward" 5th VIOLATION: 3/12/2014 [redacted] from Premium Receivables contacted my employers personnel dept to verify employment then left message with personnel on shift that day leaving a message that the call was about a "civil suit" [redacted]CALL RETURNED AND LEFT MESSAGE FOR E. [redacted] to tell him NOT to call my employer, NOT ALLOWED! Also reminded him of written request for VALIDATION.[redacted] returned call and says he doesn't no of any dispute letter received.3/13/2014 Returned call to E. [redacted] to give name and date on Certification card of who received the letter.Desired Settlement: I would like Premium Asset Services/Premium Receivables to follow the FDCPA, and stop calling me and stop threatening/pursuing with escalation of a civil suit on a claim where they did not send validation of ownership. I don't believe this debt belongs to me and I followed their request of disputing this debt within 30 days with a request for validation. They did not respond in writing with a validation within 30 days so they need to drop this matter immediately. I sure could use $1000!

Business

Response:

We are in receipt of your letter dated April 18, 2014 regarding a complaint your office

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

thorough internal investigation regarding his account in our office.

Premium Receivables, LLC, a debt buyer based in California, purchased Mr. [redacted]

HSBC account ending #4249 on December 4, 2013, which he made payments on until August 20

2011. Our initial contact with Mr. [redacted] was on January 13, 2014, he advised our representative

that before he can make any arrangements he needs to speak with his wife. On March 13, 2014

Mr. [redacted] called in and told our representative that he ls disputing the charges duet to his card

being stolen and he should have an answer by the following week. Our representative took

another call from Mr. [redacted] a few hours later, he stated that he sent a letter requesting

validation and it was accepted and signed by someone name [redacted]. We're unsure who that

person is and that explains why we never received such document. Mr. [redacted] requested that

we cease calls to his place of employment, our representative removed the number and no

further calls were made.



With regard to Mr. [redacted]'s claim he was never provided with written verifiication of

debt, as previously stated, our First Notice was mailed December 14, 2013. Albeit very common,

most consumers do not realized that once a debt is charged-off and "SOLD''.It can be purchased

and sold several times over a 2-3 year period. As a debt buyer, PREMIUM RECIVABLES purchases

large portfolios. from other debt-buyers not from the CREDITOR directly and at times, there are

delays with our receipt of such documentation commonly referred to as "MEDIA". That being said,

pursuant to FDCPA Section 809a guidelines. we are not restricted by any specific time frame to

provide "VALIDATION" to a consumer. Along with this response, as requested. I have attached

validation that we purchased Mr. [redacted] HCBC account and additional documentation is

forthcoming.

Last, we would lie to provide Mr. [redacted] with a resolution for this matter, so we are

closing the above reference account in our office. Mr. [redacted] will no longer receive phone calls

from our office.

If you have any further questions or concerns, please contact [redacted]

Thank you,

Chief Compliance Officer

Premium Receivables, LLC

A Platinum Holding Group, LLC Company

Review: I had a credit account with [redacted] in 2007 (8 years ago long over statues). Well between me and them I defaulted I'm sorry life had changed and I just was unable to save my credit due to circumstances. Life changed well Premium Receivables is now harassing my 93 year chronically ill father dying of cancer and my 77 year old fragile mom. So as of today 5/21/15 a man (mouse) from this company called my home asking if my social security was such and such and do I live at at such and such my response is who is this and again who is this I don't care about being recorded. Well after He started yelling at me said he was going to give all this personnel information that would hurt me with my boss Kevin. Ok so I became pissed off and told them I have no business with them they yes because they bought the account from [redacted]. Well their practices are totally illegal. I did make a police report of harassment and will see them in small claims court if the call my boss and give personnel information that is not legally theirs to share openly on account that has no legal standing from my understanding after talking with FTC and consumer affairs and the state attorney general, And they also told me they would serve me legal paperwork at my place of employment and that they would be sure to humiliate me in front of people (I was told the only service that could be done in OUR STATE is certified mail. I want this harassment to stop I will not deal with this company and they said they had recorded me that's ok show that to the judge. They need to e out of business and I want their contacting me to stop NOW!Desired Settlement: If they continue to harass me I will go for maximum in state of California small claims court. My parents don't need the harassment, my chronically ill daughter that lives with me doesn't need it and my blood pressure and anxiety cant deal with it!!!!

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 correspondence dated May 26, 2015 regarding a complaint your office received from Ms. [redacted]. I have reviewed the details of the complaint and thoroughly investigated the matter here in our office. Premium Receivables, a debt buyer purchased Ms. [redacted]’s [redacted] account, ending in [redacted], on April 15, 2015. Pursuant to 15 U.S. CODE § 1692G – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Ms. [redacted]’s home address in Red Bluff, California which advised her of the outstanding balance. After a lack of response or dispute received by Ms. [redacted], our representatives attempted to contact her with the intent to resolve her outstanding debt. Under the assumption our written communication was received, and after unsuccessful attempts to contact Ms. [redacted] at home, pursuant to Title VIII of USC 1692b (The FDCPA Section 804) Acquisition of Location Information, our representatives then attempted to call third parties in an effort to relay a message. Our agents were finally able to speak to Ms. [redacted] with knowledge of whom they were speaking to on May 19, 2015 when she answered her phone, “This is [redacted],” and our agent confirmed it was in fact [redacted]. Once our representative began trying to explain the reason for his call Ms. [redacted] hung up. A second conversation occurred on May 21, 2015 in which Ms. [redacted] was rude and argumentative and the call was ended. Ms. [redacted] later called Premium Receivables requesting our company information of which was given to her without hesitation. She then began explaining that her intentions were to request her debt be redirected to the original creditor and began using vulgar language. Ms. [redacted] continued to show no interest in paying her outstanding balance. After exhausting all efforts, Ms. [redacted]’s account was removed from our collection floor to prevent further confrontation. We take complaints very seriously here at Premium Receivables and in no way do we condone calls to be handled in the manner described by Ms. [redacted]. Although we have thoroughly investigated this matter internally, we were unable to validate all of the allegations made by Ms. [redacted]. Nevertheless, we have formally addressed the allegations with our employees and in an effort to maintain the FDCPA compliancy, required those involved to attend recertification classes on the FDCPA and proper Telephone Communication. 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 FDCPA, the FTC, and the Attorney General. We appreciate the feedback that Ms. [redacted] has provided us with. Although Ms. [redacted] will no longer receive calls from our company, as we have stopped all collection efforts on her account, this [redacted] debt may still be reflected on her credit report by the original creditor. However if Ms. [redacted] has any interested in resolving this obligation and improving her credit rating, she is welcome to contact my director, [redacted], directly at (714) [redacted] or email at d[redacted]@premiumreceivables.com. With Regard, [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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.[redacted] was aware of the conversation in her office as she took the phone call from me when I called to explain what happened and her behavior was no better. So my opinion training classes need to start from the top and work down and NO I will not be doing any transactions with this company and I do not believe any remedy of behavior has been corrected. I can believe from my personal educate expierence that this behavior is regularly practiced and this was not a first or last time this company will act in this matter. I just feel because I knew my rights is why the one call to my boss only was made and the laws in which OUR government has set in place WAS VIOLATED and confidentilality was compromised.

]

Regards,

Review: even after they were told not to call they repeatedly called back and kept telling them this involves a civil suit.

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 4, 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. Platinum Holdings Group, LLC, a California based debt buyer, purchased Mr. [redacted]’s [redacted] Jewelers account ending in # [redacted] on March 9, 2015. Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, we mailed the First Notice/Validation letter to Mr. [redacted]’s home address in Baytown, Texas which details all of the aforementioned Original Creditor and account information. We then assigned the account to Premium Receivables to proceed in resolving the balance; Operating under the assumption our written communication was received by Mr. [redacted] Premium Receivables first attempted calling him the beginning of April 2015 but could only leave voicemails. Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Mr. [redacted]’s employer prohibited calls, our agent’s attempted reaching him at his place of business. Once we spoke to Mr. [redacted] on April 29, 2015 he requested we stop calling him at his place of employment and we immediately removed the number. We did however continue trying to reach Mr. [redacted] through alternate phone numbers one of which he provided for us the day he asked us to stop calling his work line. We were never able to speak to Mr. [redacted] again. 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 [redacted] Jewelers account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact my director personally by phone at (714) 316-2720 or by email at [redacted]@platinumholdingllc.com should he desire to resolve his outstanding obligation or if he has any additional questions, comments or concerns. With Regard, [redacted] Compliance Officer Premium Receivables, LLC A Platinum Holdings Group LLC Company [redacted]@platinumholdingsllc.com Phone[redacted]

Review: Agency contacted me via phone regarding a US Bank account over 8 years old. They indicated I open an account and owed money. They also indicated my file was being sent to the district attorney for suit. I've advised this agency and the other 4 that tried to collect I never opened an account with US Ban. In fact I advised I've held an account else where for many years. I also questioned why on 1/3/2014 did they make a HARD inquiry on my credit report. The supervisor got nasty threatened me legally and hung up the phone. I called back to get her name and they were more rude.I asked for the fax for Affadavitt of Forgery. I also asked again why they made a HARD I Inquiry without first contacting me in writing as required by law. Rude hung up again. I have no record of receiving any written formal communications advising me I had 30 days to respond. Agency has not provided signed contracts binding me to this debt.Desired Settlement: Remove the unexplained HARD INQUIRY from my credit report. I will also contact the Attorney General as they are not following CA Collection laws by making threats, hard inquiries and no written communication.

Business

Response:

Complaint Department

Re: [redacted] - Cast No. [redacted]

We are in receipt of your correspondence dated March 5, 2014, regarding a

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

the complaint and thoroughly investigated the account associated with Ms. [redacted]s,

Garcia.

Pursuant to the results of my investigation, Ms. [redacted]'s complaint that WorldWide

Recoveries, LLC performed an UNAUTHOROIZED and ILLEGAL inquiry on her credit report

Is 100% without merit. Pursuant to our Rights under the FCRA, as the LEGAL TITLE

BEARING OWNER of Ms. [redacted]'s US Bank DDA Overdraft Bank Account ending [redacted] we

are well within our Rights to legally run her report as a collection Inquiry. Furthermore,

our company has performed our Due Diligence by mailing Ms. [redacted]'s First

Notice/Validation letter to her address [redacted]

which clearly advises her of our Collection attempts. Ms. [redacted]'s has failed to either

Dispute or Request Validation within the 30 day Validation period, and our collection

representatives have made several attempts to communicate with her in an effort to

provide resolution to this outstanding balance. I have acknowledged Ms. [redacted]s

statement that she feels this is fraud, however, this account was opened with US Bank

and remained open for more then seven months prior to US Bank charging-off the debt.

Furthermore, this account has been sold, meaning that although we are LEGAL TITLE

HOLDER of this DEBT. we did not ORIGINATE the DEBT hence the matter of fraud becomes

moot.

Albeit our policy to resolve all consumer complaints to the best of our ability,

because our credit bureau inquiry was well within the scope of the law I am unable to

remove it from Ms. [redacted] credit report. However, I have close Ms. [redacted] account with

In our office, meaning she will no longer receive calls from our company regarding her

US Bank account.

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

by email at [redacted] If she has any additional questions, comments

or concerns.

With Regard,

Chief Compliance Officer

Worldwide Recoveries, LLC

Review: WELL ONE DAY I WAS AT WORK AND THE RECEPONIST CALLS ME AND TELLS ME THAT WORLD WIDE RECOVERIES AND A MAN BY THE NAME OF EIN TATE WAS TRYING TO SET UP GARNISHMENTS OUT OF MY CHECK SO I CALL THEM AND TRY TO FIGURE OUT WHATS WRONG AND THEY SAY THEIR COLLECTING ON A FILE THAT I DID 6YRS AGO THAT I REMEMBER NOTHING ON. SO I FIGURE IF I MAKE A PMT THEY WOULD LEAVE ME ALONE,. I ADVISED THEM NOT TO EVER CALL MY JOB AGAIN.EVER. GUESS WHAT? THET KEPT CALLING AND CALLING MY JOB. THATS A FORM OF HARRASSMENT AND I WANT IT TO STOP. THEY ARE NOT A LEGIT COMPANY AND I FEEL BAD FOR MAKING THAT FIRST PAYMENT. THEY KEEP HARRASING ME, FAMILY MEMBERS, AND COUSINS. I WANT THIS TO STOP AND STOP NOW.Desired Settlement: I WANT MY 234 THAT I PAID RETURNED BACK TO ME.ALSO, I WANT THE CALLS TO STOP. MY MOTHER SHOULD NOT KNOW ABOUT MY DEBTS. ITS RIDICULOUS. THEY BROKE ALOT OF LAWS. ESPECIALLY WITH THE FDCPA.

Business

Response:

We are In receipt of your letter dated March 11, 2014 regarding two complaints

submitted by Mr. [redacted] to your office. I have Investigated the matter Internally

and carefully reviewed the allegations made by Mr. [redacted] In his complaint. This response is

intended to address both of Mr. [redacted]'s complaints.

Mr. [redacted] was contacted In regards to his US Bank account ending In [redacted] that was

closed in 2008 and has an outstanding balance. He was given this information the first

time he spoke with one of our representatives on January 22. 2014. Prior to our speaking

with Mr. [redacted], we spoke with his employer in order to verify employment which is well

within our rights pursuant to the Acquisition of Location Information section of the FDCPA.

Mr. [redacted] made payment arrangements with our representatives and upon making these

arrangements. no further contact was made until he failed to honor the promised

payments. According to our records, our representatives were not told to cease calls to

Mr. [redacted]'s place of employment.

In regards to the allegation that we mode several calls to his family members, this

is an exaggeration. Our records only indicate that Mr. [redacted]'s mother was called only

once and she informed representative that she would pass on a message to call our

office.

Mr. [redacted] also states In one of his complaints that he was never provided a receipt.

Mr. [redacted] requested a letter from our office on February 24+h, 2014 and that letter was sent

to his email that day at 11 :38 am Pacific Standard Time. I am also sending Mr. [redacted] the

receipt request and a second letter from our office today, March 17, 2014. If Mr. [redacted]

would like fo continue to work out the matter of his outstanding US Bank Account, we

welcome him to contact our Compliance Department directly at ([redacted] within

14 days; we would be happy to assist Mr. [redacted] in resolving this matter.

We do apologize for any alleged misconduct by our representatives and for any

inconvenience to Mr. [redacted] at all.

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

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

With Reagrd,

Compliance Officer

Premium Receivables LLC

Review: I have not talked to this company, nor do I know who they are. A "[redacted]" (probably a fake name) contacted my employer, reached my manager by saying they had a complaint against me, informed my employer that they were trying to reach me repeatedly (apparently on an old phone number I do not use anymore) and, after being asked by my employer if this was business related, they said no, it was personal. My manager asked why they would contact my office if it wasn't a business matter, much less state that they were calling because of a complaint. They informed my manager that they had talked to me before and that I would know what this was about. I did not. When I called, one of the first things "[redacted]" said was, "You probably have no idea why we are trying to reach you, do you?" No, I did not, nor did I know they were trying to reach me and they lied to my manager stating that I would know what this is about. Today, 2/17/15, I have orally notified them that they are never to call my work again. After doing some research about them, these aggressive tactics are what they are known for and the lawyer associated with them lost his license last year. I am submitting this complaint as additional record against them.Desired Settlement: I will not interact with this company for any reason. I will handle whatever debt this is directly with the company.

Business

Response:

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]We are in receipt of your notification regarding a complaint your office received from Mr. Jeffery [redacted]. I have reviewed Mr. [redacted]’s statement, and conducted a thorough internal investigation regarding his account in our office.While I have reached out to Mr. [redacted] by sending him a Consumer Complaint Resolution Letter offering my assistance in aiding to resolve his complaint; to date I have not received a reply. Therefore, the following will summarize the context of my internal investigation.On February 2, 2015, Premium Asset Services, LLC, a debt buyer based in California, purchased Mr. [redacted]’s Jared account ending #2347, which he opened on September 26, 2009 and paid on until it was charged-off on September 26, 2011. Our company, Premium Asset Services, LLC, began efforts to contact Mr. [redacted] regarding his outstanding Jared debt, which was explained in detail in the First Notice/Validation letter mailed to his last known address in Little Elm, Texas the first week of February, 2015. Our agents first attempted to communicate with Mr. [redacted] at the telephone numbers associated with his Jared account on February 11, 2015; albeit unsuccessful as each call resulted in leaving messages on voicemails. Therefore, pursuant to Section 803(7) and 805(a)(3), without having knowledge that Mr. [redacted]’s employer prohibited calls, our agent our agent left a message at Mr. [redacted]’s place of employment on February 17, 2015. Subsequently, Premium Asset Services received an incoming call from Mr. [redacted]. Unfortunately Mr. [redacted] immediately became belligerent; hence our representative passed the call to his manager to handle the escalated matter. Mr. [redacted] repeatedly questioned “who we are” and “what this was about” and although our manager attempted to inform him, the information was not received by Mr. [redacted] and the call was terminated. While we understand that there are always two sides to every story, we do apologize for any alleged misconduct by our representatives. Although we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we do apologize for any inconvenience caused to Mr. [redacted]. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General. In order to provide Mr. [redacted] with a resolution, we have removed and closed his Jared account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact me personally by phone at (714) [redacted] or by email at D[redacted]@platinumholdingllc.com should he desire to resolve his outstanding obligation or if he has any additional questions, comments or concerns. With Regard,[redacted] M. [redacted]Chief Compliance OfficerPremium Asset Services, LLCA Platinum Holdings Group LLC Company d[redacted]@platinumholdingsllc.comPhone: (714) [redacted]