Premium Receivables

Review: I have received starting about 3 weeks ago constant phone calls in the range of 3 per day in most instances demanding immediate payment for a debt stated to be from 2012. I have requested verification of the debt and been told it is "not their problem" and to figure it out myself else as well accusing me of committing a crime and filing charges against me should they not receive immediate payment. Upon my last contact the agent of whom I spoke with was extremely rude and continued threats of criminal charges with the states district attorney. In addition to all of this I had requested time to receive documentation from an old collector/ original debtor as to give them verification that the debt had already been paid. After about 4 business days they started with the harassment again telling me that I was lying and that I needed to just make the payments now. They refuse to verify that they are even the proper recipient of the debt, should I not have previously paid it off to a different collector, were rude, and broke the law in two instances in not sending me verification of the debt and by implications of criminal activity.Desired Settlement: I wish to receive no further contact via phone and all correspondence to be sent via the postal service, as well as to receive the verification of the debt, and information to send it to dispute the debt.

Business

Response:

We are in receipt of your letter dated September 30, 2015, regarding a complaint submitted by our consumer, Mr. [redacted], to your office. I have investigated the matter internally and carefully reviewed the allegations made by Mr. [redacted] in his complaint with regard to his account. Based on the results of my thorough assessment, I have concluded that the allegations in this complaint are in part baseless and without merit. On July 1, 2015, Platinum Holdings Group, LLC , a debt buyer based in California, purchased Mr. [redacted]’s Fifth Third Bank account ending in #[redacted], which he opened on September 29, 2011 and utilized until it was charged –off on October 15, 2015. As we do with all new accounts, Pursuant to 15 U.S. Code § 1692g – VALIDATION OF DEBT, the First Notice/Validation Letter was mailed to Mr. [redacted]’s last known address in Cincinnati, Ohio; we have recently discovered this address was incorrect as per Mr. [redacted]’s complaint. Subsequently, our representatives with Premium Asset Services began attempts to contact Mr. [redacted] on August 5, 2015 in an effort to resolve his outstanding balance however were unsuccessful and could only leave messages. On August 10, 2015, Premium Asset Services, LLC had their first conversation with Mr. [redacted]. Although Mr. [redacted] was aware of the debt he was under the impression that we were discussing a joint debt he believed to be previously paid therefore our agent requested he simply send us proof of payment so that we could properly close his account in our office. Again on August 14, 2015 Mr. [redacted] contacted our agent at Premium Asset Services, LLC to inform him he had contacted the agency to who the account was previously paid and he was waiting for them to send him his Zero Balance proof of payment via US mail. Our representative informed Mr. [redacted] he would place his account on hold while awaiting the Proof of Payment Letter. Nearly a week later, on August 20, 2015, our representative attempted reaching Mr. [redacted] for an update on his Zero Balance Letter however he was only able to leave a message. Therefore another attempt to reach Mr. [redacted] was made on August 27, 2015. Once able to speak to Mr. [redacted] he began requesting further Validation of Debt from our office and was no longer able to provide documentation stating he had previously paid the debt. The call was ended and no further contact was made nor attempted. In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Mr. [redacted]’s account were pulled and reviewed. While we have discovered some inconsistencies between the allegations in the complaint written by Mr. [redacted] and our internal records, we do apologize for any inconvenience we may have caused. We also apologize for any alleged misconduct by our representatives. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General. In order to provide Mr. [redacted] with a resolution, we have removed and closed his Fifth Third bank account from ALL Active databases to prevent further contact. Mr. [redacted] is welcome to contact me, [redacted] La [redacted], via e-mail at sla[redacted]@platinumholdingsllc.com or by telephone at (714) 316-2740 should he desire to resolve his outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted] La [redacted]Compliance Officer

Review: After receiving numerous daily calls from this business claiming to attempt to collect a debt that they have not provided evidence for, this company has begun calling public numbers at my employer pretending to be a customer and asking for me.Desired Settlement: This company must provide legal, valid evidence of the debt by mail and stop calling my employer.

Business

Response:

We are in receipt of your letter

dated March 26, 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. Premium Receivables, a debt buyer,

purchased Mr. [redacted]’ HSBC account ending in [redacted] in January of 2015. Pursuant to 15 U.S. Code § 1692g –

vALIDATION OF dEBT, we

mailed the First Notice/Validation letter to Mr. [redacted]’ home address in [redacted] in the beginning of January, 2015.

Under the assumption Mr. [redacted] had received our communiqué, our representatives,

began efforts to contact him regarding his outstanding HSBC debt at the

telephone numbers associated with his account on January 15, 2015. We were however,

unsuccessful as he was at work. Our representative’s then made an attempt to

reach Mr. [redacted] at his place of employment, yet we were not able 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

falsely represent themselves as stated in Mr. [redacted]’ complaint. 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]’ account from

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

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

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

additional questions, comments or concerns. With

Regard,[redacted]Chief

Compliance OfficerPremium

Receivables, LLCA Platinum

Holdings Group LLC Company [redacted]Phone:

Review: The first time I ever heard from this company was 3/18/2014. I spoke with a man from the company who I explained to that I am not able to work and am in the process of getting disability. I told him that I could pay twenty dollars a month and he refused, He said he wanted [redacted] that day or he would report 500 dollars to the IRS as earned income, which should be illegal if it is not. I asked again how long I would have to come up with that money because I have no income and he said "end of business today" so I told him I would not be able to come up with that money and he said well it won't go to court, we'll just report it as income to the irs because it's been charged off. Then today 3/19/2014 he called again even more mean and hateful then he was yesterday. I tell him I don't have that kind of money then he says I sound like a little bird because I asked him when he had tried to contact me previously because I have never received anything from his company. Then he got really angry and asked me where I wanted served papers because he was going to sue me. I told him he already had my address and he said I needed to act like an adult and give him my address or he would make me pay even more. I am not sure that all of this debt is even valid. He would only give me U.S. Bank's name as the original creditor and the amount that I owed them was under fifty dollars. He wouldn't give me any information as to why it was so much and seemed very angry that I had called U.S. Bank myself to try to figure this out. This also doesn't report on my credit report anywhere, I checked yesterday, so I don't know if they are trying to get money for something that is already closed out or what for sure is going on.Desired Settlement: I would like for a different representative to actually take the time to work with me instead of belittle me and threaten me. I am not unwilling to pay for this if it is all infact money that I owe. Just give me some form of proof that the entire debt is mine and also work with me and I will have it paid off in one year. I can't pay large amounts all at one time like he demanded of me, but something every month with the promise to have it paid off in one year should be better than nothing.

Business

Response:

We are in receipt of your correspondence dated March 20, 2014, regarding a complaint

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

the details surrounding her account in our office. Our company does not allow a representative to

conduct themselves in the manner described and I can assure Ms. [redacted] that this matter will

not go unnoticed. I have closed Ms. [redacted] 's account in our office in order to prevent any

further contact from our representatives.

If Ms. [redacted] has any further questions or concerns, I welcome her to contact the

Diroctor of Compliance in our office. Danielle Revis at [redacted] or via email at

With Regard,

Compliance Officer

Premium Receivables

Review: I have had multiple people from Premium Receivables calling me at my work and home and they are being very harrasing. They called my wife at home prior to calling my work, giving her information which I dont believe should have been given out such as account information. I had attempted to speak with one of the representative previously, and the end result was the man threatening my job and wages before hanging up on me. To be quite honest, I am not even sure the debt is mine. The man had mention another last name as well. I then received a call from [redacted], who claimed to be the president of Premium Receivables. I did not take the call as he was calling my work again. No message were left. He also reached out to my direct boss and asked me to call. I returned the call and had asked them not to call me at work again and that they have my phone number, as they have call my house and my personal cell phone. Today, I got back to my desk and I had a message on my voicemail. It was from a man named Edward Price. He stated specific information about my case on my voicemail and also said that he had left a message for the President of the company. I can only assume that he did the same on my bosses voicemail. This has become very harrasing and I do not appreciate it. Just now as typing this up received another call from [redacted], he once again threatened my job and when I attempted to talk and explain that I didnt want them to call my job and that I would talk to them, he interrupted me and told me to SHUT MY MOUTH and that he was going to file on me. I am irate.Desired Settlement: I would like Premium Receivables to not call my work. I have been willing to try to work with them but every time that I attempt to talk them or work something out, they always seem to threaten me once I tell them that they are incorrect in their information. PLEASE HAVE THEM STOP CALLING MY WORK AND GIVING OUT MY INFORMATION.

Business

Response:

Re: [redacted] ID; [redacted]

We are in receipt of your letter dated May 9, 2014 regarding a complaint your office

received from Mr. [redacted]. I have reviewed Mr. [redacted]'s 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]'s

KAY JEWELERS account ending #[redacted] on March 27,2014, which remained ACTIVE until July 18th,

2011. Our initial contact with Mr. [redacted]: was on April 28. 2014; our representative attempted to

reach some type of resolve with regard to his outstanding debt with KAY JEWELERS. Mr. [redacted]

stated he isn 't liable for the interest that his account has accrued and made it clear that he didn 't

want to work with us.

On May 5, 2014. we made one final attempt to contact Mr. [redacted]. yet he advised our

representative that he was at work and couldn't talk. Following the May 5. 2014 phone call, no

further attempts were made. Mr. [redacted]'s states in his complaint, that he requested that we

cease calls to his place of employment, our representative had previously removed the number

and no further calls were made.

While in no way do we condone our representatives to handle a matter in the manner

described, it appears as though Mr. [redacted]'s allegations are false or at best, exaggerated. All

recordings pertaining to this account were pulled and reviewed and at no point did our

representative's state "SHUT YOUR MOUTH". Said recordings are available should the Revdex.com or Mr. **

[redacted] would like to review.

Nevertheless we do apologize for any inconvenience Mr. [redacted] may have been

caused, and in an effort to provide Mr. [redacted] resolution, we have closed his KAY JEWELERS

account in our office, hence he will no longer be contacted by our representatives regarding this

matter.

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

Thank you,

[redacted] M. [redacted]

Chief Compliance Officer

Premium Receivables, LLC

A platinum Holdings Group, LLC Company

Consumer

Response:

There have been no further attempts to call me at my work, which is what I was asking for. There was unprofessionalism used by the business but there is no point in arguing about it any further since Premium Receivables has agreed not to call me any further and closed the account.

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: This morning I was contacted by my employer that someone was trying to contact me because they were filing a civil suit against me. The man who contacted my employer was [redacted] 714-[redacted]. I called immediately at 10AM. He demanded payment of $300+ by today but I told him that I get paid tomorrow so then he said that I would need to agree to make the payment no later than tomorrow or $500 + by the months end. I said that I could make a payment arrangement of about $50 a month being that I am a single mother of two and with only my income to support. I explained that I had just recently, back in March, got out of an abusive relationship that had left me in debt. I said unfortunately I didn't even have enough money to buy my girls Christmas gifts this year or fix my car that is desperate need of repair. I said $50 was the best that I could do but by tax return time I could hopefully pay more. I requested that first he send me official paperwork pertaining to this legal suite. He refused! He said that they already sent something out sometime ago and would not again unless I agreed to make payment. I asked that he send me the paperwork with all my options. He said that "No, because then you'll receive it and then just say you can only pay $50." I told him that I wanted official documentation and am not going to commit to paying anyone without have official paperwork so that I know who I am sending what to. He became argumentative and refused and said that he already has my wage information and that if I didn't send payment and agree to anything he would follow through with the suit. This can't be legal but I am shaking because if it is, I am not in any financial state that I could afford to pay $3000 + back, which is what he said would happen if I didnt pay immediately. I just spoke to my employer who said that he requested the payroll department but they refused to release that information. He told me that he had all this information and threatened me with a wage garnishment and that he would let Walter know. I spoke to my employer after who said that this was false information. I will lose everything that I have worked so hard to get and at the moment keep. If I request paperwork arent they supposed to send it and can they call my employer as they did today? Again this is [redacted] who said that he is an attorney and 714-[redacted].Desired Settlement: I would like to not be harassed at my place of work, threatened on the phone but refused documentation and also a reasonable payment plan that would fit my budget. I attempted to make an arrangement after receiving the paperwork but was refused on both parts.

Business

Response:

Re: [redacted]; Complaint ID - [redacted]After receiving your correspondence dated November 19, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the full investigation conducted within Platinum Holdings Group, LLC with regard to Ms. [redacted]’ statement and her account in our office. On November 12, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’ American Web Loan account ending #[redacted], which she opened on November 24, 2014 and had charged off only two months later on January 21, 2015 with an outstanding balance of $776.00. Consequently, our agents with [redacted] Services, LLC, a Platinum Holdings Group, LLC Company, attempted to contact Ms. [redacted] regarding her outstanding account Balance over the course of two days beginning November 18, 2015. Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’ last known address in Sacramento, California which fully described her account. While trying to reach Ms. [redacted], our agents made attempts to contact our consumer at her place of employment pursuant to Section 803(7) and 805(a)(3) without having knowledge that her employer prohibited calls. Our representative finally received a return call from Ms. [redacted] on November 19, 2015 therefore our agent began describing various settlement options to Ms. [redacted] in an effort to resolve her outstanding debt however no agreement could be met. In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’ account were pulled. Though some inconsistences were found; we sincerely apologize for any alleged transgressions by our representatives as well as any inconvenience we may have caused. We absolutely do not condone treatment in the manner that Ms. [redacted] has described and we actively take necessary actions to prevent similar occurrences from happening. The representative that spoke with Ms. [redacted] has been counseled and will be provided with additional training. We thank Ms. [redacted] for bringing this matter to our attention as it is our company’s goal to always provide effective service to our consumers while reaching fair resolution’s for both parties. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General.To further resolve Ms. [redacted]’ complaint, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me personally by telephone at (714) [redacted] or via e-mail at [redacted]@platinumholdingsllc.com should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted]Compliance Officer[redacted] Services, LLCA Platinum Holdings Group, LLC Company [redacted]@platinumholdingsllc.comPhone: (714) [redacted]

Review: I keep getting calls to my home and to my employer. These calls are threatening and abusive.They have also called my children and family. My wife and I started receiving call in early February.On 2/28/14 my wife received a call threatening a lean on our property. She returned called and they told her it was for a bill with hsbc. They then called her a friggin mn because she said she new of no such bill.They informed her they would garnish my wages.Then they kept calling.Now it just keeps escalating.On 5/13/14 they called my boss.On 5/16/14 they called corporate headquarters of my Employer. They informed them that I had a Civil suit filed against me.Thenthey told my employee to have me call them. ([redacted]) My wife call[redacted] next day,he called my wife a parasite.Then his supervisor Glenn Strickland left a very threatening message for my wife on our answering machine. I have never received any bill from this collection co. ever.As far as I am concerned there is no bill I have not had credit with hsbc in 7-10 years.I am alsoreceiving advice from an attorney at this time. I know that this collection agency is not following FDPCA regulations. I am also going to contact the Attorney General.Desired Settlement: I want them to stop with all of the threats.I want all of the calls to my family,employer & my wife and I stopped.I want this collection agency to leave us alone. This has gotten way out of control.

Business

Response:

Re: [redacted]

We are in receipt of your letter dat** May 22, 2014 regarding a complaint submitt** to

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

investigat** the account associat** with Mr. [redacted]'s telephone numbers.

Our company, Premium Receivables, attempt** to contact Mr. [redacted] regarding his

HSBC AMERITECH account ending in #[redacted] which he open** March 15, 2004 and remain** active

until September 5, 2008. Pursuant to FDCPA Section 809a guidelines. we mailed his First

Notice/Validation Letter to the address we have on file in Garfield Height, OH. We never received

communication from Mr. [redacted] requesting Validation, Disputing this matter, nor had we received

a Mail Return** Notice.

According to our records, on May 19, 2014, our representative received a phone call from

Mrs. [redacted]. She made it clear that she didn 't want to discuss or help resolve the matter

with regard to their outstanding balance with HSBC. Following the May 19, 2014 phone call no

further attempts we're made.

While in no way do we condone our representatives to handle a matter in the manner

described, it appears as though Mr. [redacted] allegations are false or at best, exaggerat**. All

recordings pertaining to this account were pulled and review** and at no point did our

representative state "YOU'RE A FRIGGIN mn" nor did he state "YOU'RE A PARASITE" Said

recordings are available should the Revdex.com or Mr. [redacted] would like to review and/or validate.

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

and while their HSBC AMERITECH account will remain with an outstanding balance still due, I have

clos** 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

feet free to contact [redacted] M. [redacted] at [redacted]

With Regards,

[redacted] M [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. Thank You so much for your help in this matter.Just wanted

it to be known that none of my allegations were false. As of this date, I have never received any documentation from Premium Receivables.

Regards,

[redacted] Jr.

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

Review: Contacted by this company multiple times about an account from 2007 that I am not even sure is mine. When I asked that information be mailed to me for review the person on the phone became unbelievably rude and personally defamatory. Stated they would not waste the money on a stamp for verification of the said account. They then asked for my email which I asked that the information be routed to for review and the person continued to over speak me and threaten me with financial ruin. I told them to consider their etiquette when approaching people on the telephone for a claim that could be a scam. They called back and stated that the information would be emailed within the hour. It never was. They called again this morning about the email that was never sent. I stated I was uncomfortable sending any money until I could verify the account, at that point the person became extremely belligerent so I hung up immediately and called the local police and the Huntington police departments and the local attorney generals office there in CA. They continue to call from different numbers, unknown numbers.Desired Settlement: This company needs to provide accurate information regarding this account through the US mail or stop contacting me or I will take legal action for harassment.

Business

Response:

We are in receipt of your letter dated July 3. 201-4 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.

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

US BANK account ending in #[redacted] which he opened on October 30, 2007. On July 2.2014

our representatives contacted Mr. Probby in an attempt to resolve his debt with US BANK.

He agreed to a settlement. his only request Is thct we send him a settlement letter

outlining the arrangement. he provide his email [redacted].

On July 3, 2014, we reached to Mr. [redacted] to confirm that he received our emoil

correspondence. Mr. [redacted] made clear that he longer wanted to cooperate and the

call was terminated. We never heard back from Mr. [redacted] and no further attempts were

made.

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

and while his US BANK Account will remain with an outstanding balance still due, I have

CLOSED this matter intemally so no further contact from our company will be received.

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 via email at

[redacted].

The first day this company contacted me, they called me several times back to back while I was at work. With in an hour I recieve a call from three family members that they recieved a call from the company who was looking to contact me. I've never heard of them, and they are not on my credit report as the company owning the debt they claim to own. They refused to send me proof, they claim double the amount of money last reported that I owed (which I have already disputed as innaccurate to begin) then to make matters worse they mail me a general "this is an attempt to collect a debt letter" in Spanish, and I'm a Black Los Angeles Native.

Review: I received a call three days ago from this company stating they have called numerous times with no success to reach me. They did not state they were attempting to collect a debt only that they wanted me to call them back. I looked through my calls and did not have any missed calls or messages from that number or company. I spoke with my credit counselor to ensure they are not a company who has reported on my credit reports (all three of them). They verified that they have not reported to any credit reports and said that they are required to send me a letter letting me know that they have acquired my debt. I have not received a letter. They called my work the next day. I took down their number and called them on my cell phone. I acted what it was regarding and the lady said she had to transfer me for that information. The next person I talked to said I was lying because the lady before him should have told me that information. I asked him again what it was about and he said weisfeilds and sounded annoyed when I didn't know what he was talking about. I said I wanted more information and he asked if I had the money to pay the balance of $1300. I didn't answer and he kept asking. I asked for information about the charges and he said that he was transferring me to legal and Washington was a wage garnishment state and that he had already verified my employment. I asked for his information for my credit company and attorney and he said who is your attorney and refused to answer the question. I hung up and called my credit group and again verified that they do not have my debt. I called back to say that I have passed their information to my credit group and as I was asking for them not to contact me he said "good for you". they stated that the conversation was recorded and I would like a copy of that. I would also like them not to further contact me via phone. I would like all communication via USPS. They were very threatening and I was not able to request any information.Desired Settlement: I would also like them not to further contact me via phone. I would like all communication via USPS.

Business

Response:

We are in receipt of your letter dated May 9, 2014 regarding a complaint your

office received from Ms. [redacted]. Upon receipt of the complaint, a thorough

internal investigation pertaining to this matter was launched and Ms. [redacted]'s account

was pulled from "active collections".

I have carefully reviewed Ms. [redacted]'s complaint and the results of our internal

investigation and in no way to we condone an account to be handled in the manner

Ms. [redacted] received. To summarize, our company, Premium Asset Services, attempted to

contact Ms. [redacted] regarding her WEISFIELD Account ending in #[redacted] which she opened

May 30, 2008. Our business with her was detailed In the First Notice/Validation letter sent

to the address we have on file in [redacted]

We sincerely apologize for any alleged, unintentional misconduct by our account

representatives. In an attempt to provide Ms. [redacted] with a resolution to her complaint.

We have closed her account and removed her telephone number from our database to

ensure all calls to her to cease. We appreciate Ms. [redacted] bringing this matter to our

attention: her statement has been noted and addressed with the individuals responsible.

Our company is well versed In the FDCPA, as well as state and local collection

regulations and all employees are required to obey and adhere to the collection laws

governed by the FDCPA, the FTC, the States Attorney Generals and the CFPB.

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

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

Thank you.

Review: Received a call from an ex spouse over an alleged debt that these people were trying to collect. Called number given, and after over 9 years, they tracked personal information from 3 different addresses and 4 family members. they have continually called even after requesting to cease and desist! Harassment at all levels and the major thing was the legal threats and threats for wage garnishment and they would never send out any information on what the actual debt is or was. This place is a scam so if contacted do not give any information as they will try to threaten you, harass you, and make you pay on a debt that is not yours.Desired Settlement: No further contact from any business at this address!

Review: Spoke extensively with a lady (I believe her name was [redacted]) and it was agreed that any debt owed would be split up into 4 monthly payments. A few weeks later I receive a letter in the mail with the amount owed split into 2 monthly payments. Since I am unable to afford this much per month and it wasn't the terms agreed to over the phone I did not make a payment. [redacted] called several more times. I told her that the letter I received was not broken down into 4 payments and asked her to send me that. She stated that she sent it out July 1st. I answered all her follow up calls to let her know I never received anything. I hear nothing for a month or so until Sept. 15th when I get a call from 714-[redacted] at 9:49 am from a [redacted]. In an extremely rude tone he says "You were supposed to send out a payment, what happened"?. I responded "Why don't you open up my account and you tell me what happened". At that point [redacted] gets aggressive, doesn't bother to pull up my account so we can discuss it, and yells "We will just sue your account than, have a nice day"! Extremely rude and unprofessional and I will have nothing to do with Mr. [redacted] or [redacted] in the future. If this company want's to move forward they can have someone besides [redacted] or [redacted] (someone who acts as a professional) contact me via mail.Desired Settlement: No further phone contact with these extremely rude and unprofessional/incompetent people.

Business

Response:

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

Review: I have began receiving calls from Premium Asset Services a.k.a. Premium Receivables LLC at my place of work. These calls are constant and not acceptable.

The first call I received was from a person named Ian. They were inquiring on whether or not I was at work because they wanted to schedule a time for a process server to serve me with papers. I had no idea what this could be about so I tried to ask questions and was so taken aback I hung up.

I did some research on the number and found the name of this company and that there has been numerous complaints about harassing calls. I called them back trying to obtain more information on this alleged debt. The man I spoke with was rude off the bat and very condescending. He said that I had a loan with [redacted] Loan and that they were ready to take me to court. He also said that they were willing to settle the debt but that I needed to stop pretending and just pay what I owe. I am unaware of any payday loan and told him I didn't know what he was talking about. He told me I was getting an attitude and began to raise his voice so I terminated the call. I then received several more calls on my mobile phone and several more at work about twenty minutes later. I picked up the phone again and the person (same one who called me the first time) asked for me. I would not divulge who it was they were speaking with until I had more information. He said he wanted to speak with HR or a manger so that they can arrange a time to have me served with papers at my place of employment. The call was terminated again.

1. I don't appreciate harassing and threatening calls at my job. I'm an analyst and my job is stressful enough.

2. It's against the law to impersonate anyone from a legal profession

3. You CANNOT call my job asking to speak with another co-worker and divulge personal information about me

All of these tactics are illegal and need to stop.Desired Settlement: Premium Asset Services LLC has got to stop calling my place of employment threatening me. If I do indeed owe a debt, please send me all the relevant information pertaining to the debt. This would include -

1. Proof they were given the debt to collect

2. Proof I am the original account holder of said debt

3. Original debtor information

4. Amount of original debt

Once this information has been received and reviewed I would be more than happy to resolve if I indeed owe anything. At that time we can discuss repayment options.

Business

Response:

Revdex.com Serving San Diego, Orange & Imperial Counties4747 Viewridge Ave #200San Diego, CA 92123-1688Attention: [redacted]Re: [redacted]; Complaint ID – [redacted]After receiving your correspondence dated November 17, 2015 regarding a complaint your office received from Ms. [redacted] we began an internal investigation. The following will describe our findings based off the full investigation conducted within Platinum Holdings Group, LLC with regard to Ms. [redacted]’s statement and her account in our office. On November 12, 2015, Platinum Holdings Group, LLC, a debt buyer based in California, purchased Ms. [redacted]’s American Web Loan account ending #[redacted], which she opened on December 12, 2014 and had charged off only a single month later on January 20, 2015 with an outstanding balance of $2,010.80. Consequently, our agents with Premium Asset Services, a Platinum Holdings Group, LLC company, attempted to contact Ms. [redacted] regarding her outstanding account Balance over the course of two days (November 17, 2015 - November 18, 2015). Additionally, a First Notice/Validation letter was mailed to Ms. [redacted]’s last known address in Center Barnstead, New Hampshire which fully described her account. In the process of trying to reach Ms. [redacted], without having knowledge that her employer prohibited calls, our agents made attempts to contact our consumer at her place of employment pursuant to Section 803(7) and 805(a)(3). Although our representatives left messages requesting return calls from Ms. [redacted] to Premium Asset Services, LLC; little communication occurred and therefore no resolutions were established. In order to substantiate these facts stated above, the internal monitoring and recording system was researched and all calls referencing to Ms. [redacted]’s account were pulled. Though some inconsistences were found; we sincerely apologize for any alleged misconduct by our representatives as well as any inconvenience we may have caused. We absolutely do not condone treatment in the manner that Ms. [redacted] has described and we have taken necessary actions to prevent a similar instance from happening in the future. The representative’s that spoke with Ms. [redacted] have been counseled and additional training will not only be required but provided. We thank Ms. [redacted] for bringing this matter to our attention as it is our company’s goal to always provide effective service to our consumers while reaching fair resolution for both parties. Our company is well versed in the FDCPA including other state and local collection regulations and we strive to ensure our representatives obey and adhere to all collection laws governed by the FDCPA, the FTC and the Attorney General.To further resolve Ms. [redacted]’s complaint, we have removed and closed her American Web Loan account from ALL Active databases to prevent further contact. Ms. [redacted] is welcome to contact me personally via e-mail at s[redacted]@platinumholdingsllc.com or by telephone at (714) [redacted] should she desire to resolve her outstanding obligation or have any additional questions, comments or concerns. With Regard,[redacted]Compliance Officer

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: I have told this company on numerous occasions to stop calling my work and they still insist to call. I am going to get fired if they keep it up. All my calls are recorded at my work and I will submit that information to a court of law if need be. They have threatend to show up at my work because I work near their office as well. They are stalking me online as well on LinkedIn. I am going through a divorce and this card is my ex husbands debt I am working it out at the moment. This company is very shady and does not handle things correctly.Desired Settlement: I would like for this company to stop harassing me when I have told them numerous times to stop. Especially at work. My job is my job and they need to stop. I am also getting this set up with my divorce and I need to handle this on my own. They need to leave me alone. Ive explained that to them but they dont want to take that answer.

Business

Response:

We are in receipt of your correspondence dated April 30, 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.

It appears as though the allegations made by Ms. [redacted] are false or at best,

exaggerated. Pursuant to our internal investigation, at no point during the conversation did our

representative say that "we will show up at her job". We would be more than happy to provide

the recordings to the Revdex.com and to Ms. [redacted] for review and more importantly, validation.

Ms. [redacted] was contacted regarding her HSBC- Best Buy Co BrandGold-MCG account

ending in [redacted]. Our business with Ms. [redacted] was explained to her in detail in a letter sent to her

last known address In [redacted]. CA. On April 28, 2014, our representative contacted Ms. [redacted] at

the telephone number provided with her GM-Standard MasterCard account. During that call, Ms.

[redacted] advised our representative that [she feels] "this debt was her ex-husbands"; she is currently

going through a divorce; she is trying to sort this matter out with him end that she had nothing to

offer us. However. as we attempted to advise Ms. [redacted] during the call, "a divorce decree does

NOT supersede a legal, binding contract'. Ms. [redacted] is still liable for the debt.

As noted in our investigation. our records indicate that prior to the April 28th conversation:

no calls were placed to her job. We immediately notated Ms. [redacted] account in order to prohibit

all further contact at her place of employment and no other contact had been made following

our last conversation with Ms. [redacted], on April 28th.

Regardless we do apologize for any inconvenience caused to Ms. [redacted]. If Ms. [redacted]

has any further questions or if we may be of any further assistance, please feel free to contact

[redacted] or by email at [redacted]

With Regards,

Chief Compliance Officer

Review: One week prior to an [redacted] Surgery, I was contacted by Premium Receivables. I was re-informed on a debt that was owed from 2005. Aprox $[redacted] (Original bill aprox. $[redacted]) ([redacted]) spoke to a "[redacted] who was very kind, and understanding... for the moment. Informed him I had a baby on the way, and with the upcoming surgery I would be out of work for months. Informed him that I would go home and "crunch numbers"; after review I could not afford to give anything at the moment but was willing to work in the future. After I mentioned I would not be able to make payment, I was insulted, threatened and hung up on. Approximately 5M later I was contacted by a "private number" claiming to be the CEO of the company, and if I did not pay, I would be arrested, have to face IRS charges for a "1099C For Unpaid Taxes". They have contacted my Employer on three separate occasions. Never once asking to speak to my Boss, just informing someone who was not my boss my personal information. I have a audio recording of the "CEO" threatening Jail time for "Unpaid DEBT". I Have been threatened with "getting served"; and to my understanding they have violated FDCPA law.Desired Settlement: Plan to pay off, but Cannot afford at the moment. Would Rather deal with another company then PRI.