Consumer complaint received 2016-10-18
Company: Platinum Holdings Group, LLC
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
Continue to receive calls from unknown company. Has been going on for awhile now. Message left is a different person everytime. You can barely understand what they are saying but something associates. They state that they need to discuss important matter. I call back. The person refused to tell me the company but wanted my name. I gave my name anf continued asking with no response. She then transfers me. This guy refused to answer who they represent, what company. He ends up transferring me. A female gets on the phone. Very rude, nasty, disrespectful claiming they will sue my and follow through with law and the statue of limitations. Still while arguing with me in regards to what this is about. Continued saying I owe XXXX some dollars and will be proceeding to court etc. Claims to be from a debt in 2012. My mom paid bills while I was in the XXXX. As far as I knew all was paid off. I acknowledged at one point having an account with XXXX XXXX but refused to acknowledge if there was an outstanding balance. I have never recieved calls until now 4yrs later. Everytime I ask a question it would not be answered anf back to the statue of limiations. Little information was obtained but felt it was a scam. When she needed to verify my info it was very easy for me all I had to say was a yes or no. Someone could of easily got all the yes and no questions she was asking and by saying yes anyone could of called and acted like me. Not the normal security that I am very familiar with. That was another red flag. It was alot of threats with very little information and was not comforting at all. I contacted the original debt. It was sold multiple times. One debt collector asked what happened. I explained what she was saying and threatening to sue me etc. He laughed and stated well she cant in PA and thats why they are trying to make you pay. He stated he would n't give any money to them and there are alot of scams out there. All while figuring this out I am noting the security things I have to answer. None of which was done by this so called debt collector. They claimed to have sent mail and it was all in the mail that stated very clearly what would happen to me. I asked if it was certified since your threatening me with jail and lawyers etc. She stated no they did n't but it did n't matter our system says you got a letter. So i asked how was it sure I got the letter. They didnt send it certified so it could of went anywhere and considering I recieved no letter. She got XXXX and started yelling at me about the statue of limitations. It was very peer pressuing and unsure what she was talking about. I assume that was the point to try to make me pay but that is n't fair at all amd received nothing in the mail I do n't take phone calls seriously without proper documentation at which they wo n't provide. Some time passed. A restricted number calls me. He was extremely mean, rude, nasty. Stating I had my chance and wanted an address to serve me my paperwork. They already have my address so why would you need my address to serve me. He was pushing for information they already should of had. So way to many red flags. This guy was claiming instead of XXXX some if pay right away the deal will be XXXX. Or split the XXXX in half and make XXXX payments of XXXX some in a 2 month time period. This whole situation is a bit scary and feel bad for others who got these calls.

Company response to consumer: Closed with explanation