Consumer complaint received 2018-05-18
Company: Platinum Holdings Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2018, I began receiving repeated back to back calls from a man named XXXX at XXXX XXXX XXXX. XXXX never identified himself as a debt collector on my voice mail, nor did XXXX provide a mini-miranda. When I answered the call, XXXX never identified himself as a debt collector, nor did XXXX provide a mini-miranda. XXXX immediately asked to verify my social security number by reading to me the last XXXX of my social. XXXX never bothered to first verify that I was in fact the person he was trying to reach and he provided my social to me instead of asking for me to provide the social. to him. XXXX could have been speaking to anyone other than me and XXXX blatantly provided part of my identity without verifying it was me he was speaking to. It was after that point, XXXX informed me I was being recorded. Just 2 minutes into this call, XXXX and his employer have broken several FDCPA and TCPA laws including failure to identify himself as a debt collector, failure to provide a mini-miranda, and failure to verify that he was speaking to the proper person by having me provide and verify my information to him. When I questioned him and stated I never received and notification by mail or phone, XXXX became extremely aggressive with me, talking over me, not allowing me to ask questions, and trying to confuse me into accepting responsibility for an alleged debt that his company is trying to illegally receive payment on. XXXX would not let me speak and clearly his tactic was to scare and intimidate by stating he would contact my employer. When I asked him not to do that, he became even more aggressive and then hung up on me. After researching XXXX XXXX XXXX, I learned that it was actually Platinum Holding, LLC that XXXX was working for. On XX/XX/18, XXXX called and left me a voice mail stating we needed to get this resolved otherwise he would send case # XXXX to his management for further legal processing and " next steps ''. Once again, XXXX never identified himself as a debt collector, but used Platinum Holdings this time as the company he was calling from on my voice mail. When I called XXXX back, once again he made the statement that " we '' are getting this matter resolved before it proceeds and then after that informed me we were being recorded. Before telling me that, however, XXXX once again read me my Social Security number instead of verifying that it was me he was speaking with. I stated before we went any further, I required validation of the alleged debt. He began raising his voice, speaking aggressively and refusing to let me speak. He stated, oh you have already received so many notices and clearly you want this to proceed. He then hung up. I truly have never received anything from this company who has purchased this alleged debt. They have violated so many laws, too numerous to count. I will not be bullied into paying a bill to a junk agency who does not follow the law. It is not unreasonable to request validation and documentation of a debt that I know nothing about, not to mention an initial letter letting me know they have a debt that they have purchased.

Company response to consumer: Closed with explanation