Platinum B. Services hit a/c before payment date

hmmm how is licensing a fine line? Unless your talking about whether or not you feel a license is needed?

Good question, jj. :D

I tried calling and email - nobody calls me back - I want to pay them off - this is crazy

dd,

Which number did you try? Someone from Platinum B has posted comments in this board and mentioned some contact information. Please go through this entire thread and collect the info. Hope this will help you to reach them. Keep us posted.

here is the first post with contact info
Quote:

if you get through ask to spaek to Josh Mitchem, Vice president

I've recently had a few run-ins with these guys. I've filed complaints with the BBB of Southeastern Florida, the FTC and I've just written up an official complaint with my local State Attorney General's office. They appear to be a "legitimate" company. They were hired by at least two "payday loan" providers named "ASAP" and "PARAGON" to collect on loans. However when I contacted both ASAP and PARAGON to relay to them the types of threats ("Someone is coming to your place of work right now to arrest you!") as well as their refusal to provide me with a mailing address, both companies quickly offered to contact the company and tell them to leave me alone. I am so appalled by the illegal tactics of this company that if my state attorney general's office does not pursue this, I am considering pursuing a suit against them myself. When I referred this company to the Fair Debt Collection Practices Act which was written to put a stop to this sort of thing, they laughed at me and hung up the phone. I advise anyone dealing with this company to do what I did - write down every word they say or (as long as you tell them you are doing this) tape every conversation with them. It can all be used to put them out of business!

Ella,

I believe you have us confused with someone else. We do not do collections for anyone. We are a payday loan company. I am not sure who you have dealt with, however I can assure it is not SJM Marketing Corp./Platinum B Services.

Josh Mitchem
Vice President

Josh, can you please help dd above with taking care of the problem stated in the message

I can. I will need dd's name and social to do so.

DD- Please call or email me at toll free 1-866-722-2770 ext. 101, jmitchem(at)platinumbservices.com

Josh, thank you for that.

I did call the 1-866-201-4603 - can somebody please tell me what is going on with this - I think they just want to call because that is what collectors do - I wonder what would happen if we started calling and visiting them on their jobs? See how it feels - I tried setting up a payment plan - you gave me two weeks and that was it - I need more time than that - you immediately went back to my bank and collected $90.00 more dollars - I know I have paid at least $700.00 on a $300.00 loan - you should call it even

dd, did you try and call josh or email him? here are his numbers aagin.. Please call or email me at toll free 1-866-722-2770 ext. 101, jmitchem(at)platinumbservices.com

and please let us know how the call goes

Yes I did try emailing him - that just gave me a number to call which is the number I have in my previous email 1-866-201-4603 - what I am saying is that I would have preferred to pay them directly but they never called - just send my name - I tried several times to contact them - I emailed mitch - I tried everything - I just want to mail $390.00 and be done with it.

did you try the 1-866-722-2770 x 101?

DD,

I have not received an email from you as of yet. My direct extention is 101. I have not received any phone calls from you either. If your account is still in active status, we do not make arrangments. You can either payoff in full on your next due date, or start the paydown process. The paydown is any $50 increment + your finance charge. If you call me it will be much easier to explain to you.

Josh Mitchem

Josh,

Do you have any connection with United Federal Bank? Today I searched BBB website for them and it showed Platinum B Services as well. UFB is listed as Collection Agency there.

I had an account back in oct.2004, My bank insure me that all payments have been made . Last week I get a call stating that my account have not been paid. The young lady I talked to (Victoria Ahand) can not be reached . I need to talk to someone about this account, so arrangements can be made.

Yes I did call the number and I was told since I didn't pay it was turned over to a third party - I called the third party - and nobody answer - I got a voice mail number - 1-866-201-4603 - I am going to try again - I emailed mitch and someone else emailed me back with a number to call - another voice mail - there is someone calling my job a Mr. Bob Johnson? but his number is not clear - so I can't call him back - he just tells me - I better call -he has a cheap cell phone because I can hear static when he calls - I just don't understand how is it that you want to get paid but you don't have an address where the person can just pay you and be done as oppose to getting phone calls - what is the sense of this - if a person has been paying you for months - $300 and $400 on a $300.00 dollar loan - they have already paid you off because they have paid $900.00 on a $300.00 loan - and you don't want to talk to them - you had no problem taking their money every two weeks - don't turn it over to an agency - send the person a letter and telling them how you can pay it down or off - Platinum is pulling everybody's leg

This is the person who contacted me from your office - Dustin Dernier - he said unfortunately your account was in default and it was sent to our third party collection company on 3/7/06 - I sent a letter and an email before then - please call our agent - 866-856-1024 to retrieve the information you need to contact the collection agency - why is it so many people and numbers to pay off such a small amount - nobody had to be contacted when you were debiting my account - I am trying to be reasonable - I just want to pay the people - and I would prefer since you turned it over - you can get it back - I don't believe that once they turn over your account - they can't get it back

it is disappointing that Josh seems to not be as proactive as we had hoped. Josh, could you please take the time to discuss this with dd instead of handing it off to someone else

I HAVE NOT RECEIVED A PHONE CALL FROM HER. SHE NEEDS TO CALL ME. Do not turn this on me as not being proactive. I have given the people in this forum 10 times the amount of information I probably should have. I have tried to help. If DD wants this resolved call my number and dial my extension. Do not talk to my employees, talk to me. I can stop giving advice, I can stop trying to help people in this forum, this is the same type of situation I was talking about when I first came on this forum. Have I not given helpful enough advice? Have I not said call me, I will work with you. Yet no voicemail from DD, but he/she said I called and talked to someone. DO NOT TALK TO SOMEONE, TALK TO ME. TRY THIS BEFORE COMING BACK ON THIS FORUM AND RUNNING YOU MOUTH ABOUT MY COMPANY NOT WORKING WITH YOU.

STANLEY,

United Federal Bank is the bank that Ellis, Crosby, and Assoc. used. Why do we have a complaint with the BBB. BECAUSED THE PEOPLE ON THIS FORUM DO NOT DO THEIR RESEARCH. They feel as though they have been cheated and run to whoever will listen to them cry foul. We do not own United Federal Bank, however some customer that did not want to pay back the loan complained to the BBB that we were UFB, and that we owned Ellis, Crosby, and BAM our good name is dragged through the mud.

DD,

As far as pulling $900 and calling the loan good. Sorry, it does not work that way. You have the same contract we have. We must follow this contract, we do not hide anything. You can payoff at anytime by simply calling ME.


MY NUMBER ONCE AGAIN IS 1-866-722-2770 EXT. 101

NOW THE LITTLE EXT. 101 MEANS THAT WHEN YOU HEAR A VOICE PROMPT, DIAL 101 ON YOUR PHONE AND IT WILL RING TO ME. IF I AM NOT AT MY DESK (WHICH SOMETIMES IM NOT) YOU WILL GET MY VOICEMAIL. LEAVE ME A MESSAGE AND I WILL CALL YOU BACK.

I TRULY HOPE THIS IS PROACTIVE ENOUGH. JJ

Josh Mitchem

Josh, thank you for responding. I truly hope that dd calls you and that you can reach a mutually satisfactory resolution. Thank you for being truly proactive.

Has anyone had any bad dealings with Pay Check Today? I owe them $300.00 and they are trying to collect $520.00 - $90.00 renewal and 30 return check - I had to cancel the check because they would not talk to me - as soon as I cancelled the check - I got three emails immediately = is there any rip-off reports out on Pay Check Today that I can perhaps read or somebody could log into this site and tell me - I don't think I should have to pay all of this - I read the contract and nothing states that - this is in the state of Maryland where I live - who can I call?

[quote=Josh]United Federal Bank is the bank that Ellis, Crosby, and Assoc. used. Why do we have a complaint with the BBB.[/quote]

I did not tell you that BBB has processed complaints against you. Your report is clean with Better Business Bureau. The thing that surprises me is that when I searched for United Federal Bank, it showed as Platinum B Services. How can this happen? BBB can start investigation based on consumer feedback, can they change business name according to consumer feedback. Josh, please clear this, really looking forward for your reply.

First let me apologize for the last post. I have a very hard time when people say they are going to do something, and either dont do it or do it half-assed. I have always lived by the motto. "If you are going to go, go all the way." Thus, if that email came off as a bit "testy" I am sorry. But, this is the type of thing that I deal with day in and day out, and to be quite honest with you all I am getting a bit unsettled.

Stanley,

I have pulled up the BBB reports on every vendor/collector we have dealt with or are currently dealing with. What causes the BBB to list our name with a completely different companies name is that the person making the complaint and the BBB inspector filing the complaint have us listed as a subsidiary company or vice versa. The customer nor the BBB can change the name of the original that was listed in the complaint, however the BBB will list any and all information that is affiliated with said company. Thus, if one of my customers is sent to 3rd party and complains to the BBB about the practices of the collection company and lists us as a contact or subsidiary, or if they give our number as contact to collection company, we are then listed in that report.

Many loan companies like us use the same collection companies. So if another collection is complained on by a speedy cash customer and the consumer lists speedy cash as a subsidiary they too will be on that charge.

It does not really effect us negatively, but enough of these complaints and any company can be in trouble.
That is the frustrating part, customers know us b/c of the deposits, next thing you know the customer decides to stop payment. Then the collection calls start, and instead of researching the company collecting them, they make a call to the BBB claiming that a Ellis, Crosby, and Assoc. Who is OWNED by Platinum B Services (or Vice Versa) is using illegal collection tactics. Now do understand were the frustration comes from. If the customer would simply ask "are you owned by Platinum B?" or "do you own P.B.?" all of this would be avoided.

Josh Mitchem

Stanley,

To show you how bad the lack of effort has gotten. You can pull up a file on Platinum B Services, however the address is not even remotely close to our location. I have read all over this forum where people have posted our address, and not one person has gotten in the same state, let alone the same zip code. Yet our address is printed on nearly every form of paperwork our customers get. Now why is it that no one can get the facts straight? I mean it is laid out in black and white. We can not make things any easier to understand, can we?

Josh

I understand your feelings Josh.

What impression I get from all the posts of members, guests and you is that, the main problem with your service is collection. collection agencies are eating your goodwill and destroying your reputation. I have read in forums that collectors often say ???I am calling on behalf of a debt with xyz company' and people develop an idea that the original lender is collecting the debt.

You have been very much professional with your approach; I think if consumers ultimately can get back to you, they can find some real help. Is there any way you can speak to the default debtors before sending their accounts to collection? JMO.

Josh,

I want to say thank you for taking the time to post on the forum. I'm sure it is frowned upon by your employer. Just a guess, can't say for sure. I can understand your frustration but we as consumers get frustrated as well. I have found that talking to the original creditor usually works and I have found great feedback from this in my situation. For you to post your personal number, is a great asset for those who do have loans with you. It amazes me that you do post your address on the paperwork to the consumer. A lot of companies try and hide this, at least some of the ones that I have dealt with. May I ask what collection agency your company does use?

edited by vikas:
Deleted the post by ipaymybills.

Please read my response to ipaymybills post on:
http://forums.debtcc.com/halloffame/shirley.html

It was a similar post and I did not want to waste my energy replying to him again over here.

Warning to ipaymybills:
Please do not test our patience. One more of such posts and we will have to ban you.

Hi Josh - me DD - the reason I have not called you is because you stated that I had to be in active status - I am not - when I tried to stay in active status - they sent my name before I could talk with someone - then I found this site so as of 3/6/06 - I was no longer active - I found that out on my voice mail message - so should I still call you to discuss - or is it too late - from what I hear once your name goes to the collection agency it is out of your hands? So let me know - I can call today - thank you

Quote:

Anyone and Josh,

It is my understanding that in some states you can only make a certain number of "Interest only" payments and then you must pay down some of the principal. I had a debit on my account and had no way of contacting the lender to do a paydown or payoff, so I stopped te debit. I admittedly defaulted on my loan and it was also my fault I lost my contact information, but the "interest only payments went beyond the four AZ allows, or so I am told. Does anyone know about this?

Josh,
I would have paid this off immediately if I had not lost my contact info, perhaps your company can email those who have taken a loan each time you debit their account or at least once a month. I am not saying any of my situation is your fault, I am just trying help out future coustomers.

thank you for doing everything you can do to try to help us. i currently went into default with a pday loan with edollarsdirect, yet i have no paper work from them nor an web addy nor a phone number in which to get in contact with them. It was sent to a collection agency when my loan was for $200.00 i think or mabey $250.00 but they want over $500.00 of which i have paid quite a bit of it back to them. the payment was scheduled to come out per our agreement on the 3rd of each month and every payment to this date has came out between the 25th thru the 31st every time causing me an overdraft in my bank. let me tell you how i went into default with this loan to start with as i tried to tell the collection agency....i ended up in the hospital for several weeks with a blood clot in my right lung and bang..here we go...default..i told them i could provide proof for them but nooooooo it did'nt seem to matter to them. all they wanted was their money as i can see because i have every intention of paying it. thus, the collection agency should take those 5 od fees of $34.00 offf of my balance because as i stated...our payment arrangements were for the 3rd of each month not the 20th 21st 22nd...thru the 31st..see what im talking about. so platinum v.p. if you handle the edollarsdirect bless your heart i would give anything to have the chance to talk to you to get this paid in full. thank you very much. you may also pm me or email me at my new email addy which is email address removed as per forum rules - Mike PLEASE if you handle that loan company private message me or send me an email..thank you from the bottom of my heart...

UMMMM why did you remove my email address when others are on here 500 times???thats cone i cant figure out mr mike? tyvm i mean why be able to have a profile that has your email addy yet ya cant type in in a letter when ya figure out something..just curious tyvm

Hi susiequeatyrservice

Email addresses especially personal emails are not kept in forums as per the rules. This is to ensure safety to your privacy. Business emails are put inactive if it has a purpose. If you want to post your email address, please do it giving a space in between so that it appears inactive and less focused. This will be a less chance of any online misuse when kept inactive.

Regards
Mike

I have been trying to get your phone number for 2 weeks my bank finally was able to pull it up.I received a call at work and you said I was approved and received the money, butI sent a loan request to a few places and was rejected, so i did not know who you were,then the fee just started coming out of my account every 2 weeks w/ out a email of when it was coming out or the chance to get info. to pay this off. All my account said was SMJ. Then money was coming out of my acount every 2 weeks so please give me the info. on a pay off or what.

Lisa, whom are you referring here as "You"

By chance if you are trying to reach SJM, their number is 1-866-722-2770 / 866-350- 5696. Platinum B number is Platinum B 732-726-5692

I've tried to email you all on Aug.24,2006 to tell you all my situation and you want to take me to court. I've tried every attempt to ask what would be my next option because my account had closed. Now I'm willing to make payment arrangements because I don't get nomore than 15-20 hours a week. I wasn't trying to avoid you all and I know I ole you all that's why I tried to email you all but no-one responded the next call I got was with a case #. I hope it don't come down to going to court because I'm gonna tell the judge the same thing I tried too contact them and I have proof but they didn't respond. And I don't get many hours and you all can verify that with my employer.Call me please too let me know what I can do to pay you all and what address please (704)740-0657 if not in please leave a message please I can't efford to get a lawyer

johnson26,

Are you trying to reach Platinum B Services. This is not the website for them...this is a forum for people who are seeking advice for debt situations. Who called you with a case number? Was it a collection agency for Platinum B?

Just got off the the phone with josh mitchem, vp of platinum b services. What a pleasure! He took care of everything, amazing what happens when you just follow his advice and call him.

I called this company just now to see if I can payoff my entire loan the first time it becomes due. Here's what happened:
1. The phone was answered with one ring;
2. They asked for my social, they confirmed the amount, and when it will be debited;
4. The person I spoke to Nikki, said I don't need to do anything else.

The phone call took 1 minute. I am so relieved because with all the talk in this forum I was sure I would be ripped off. Of course, I will still have to see whether they will really stop debiting my account.
I just wanted everyone to know that I had a good experience with this company so far.

they approved me but i said no thank god after reading this!

hi every one, these people are snakes, I never wanted a payday loan, they call my old job . I decline and they have been taking money out for two dam years, what I want to know about this compay, how do you agree on their terms and condition. What type of form do you fax over am just wondering how thiergoing to produce my signature.

I'm sorry, but you people are just silly about some of this. When you took out a loan, it was clearly explained to you the terms (I know because I myself have, and have since payed it off in full.) You AGREE by accepting the terms of the contract that you will be given "x" amount of dollars. You will have "x" amount of finance charges every 2 paychecks until you call the company (typically 3 business days prior to your next scheduled due date) and inform them that you wish to pay off the full amount of your loan. On your final payment, you pay your finance charge + your loan amount...SOOO if you borrowed $150 and your finance charge is $45, then until you arrange to pay $195 to complete the loan, you are still using the program. Even if you've paid that $45 every 2 weeks for 5 months, you MUST abide by your contract. It's business people. Don't get into agreements you don't fully understand and then tell the company THEY are wrong for fulfilling their part of your deal. Side note: if you call the person who LOANED you money in good faith, and you have a nasty attitude, how do you expect them to react? Have some respect for the people working with these companies. *end rant*

Well thanks for sharing that little nugget of advice. In the future you might want to not respond to year old threads. Thanks for Playing!

No problem, I was in need of a good rant, and a friend had been whining about this all day today, so i figured I'd troll some forums and keep things fresh. People apparently still have not come to terms with how to deal with this silliness, so rant on I shall :)

I spoke to one of the representative on Sept. 11 for payday loan for $250.00. I would like to have my pay my loan on Oct. 10. Please let know that this day is approve. I can be reach at personal information removed..Thank you

I applied for a loan but i also turned it down and all of a sudden 100 dollars was in my account and i didn't know who put it there. My bank gave me a number to sjm and i've been calling and calling and i still can't get an answer from any of them. I've left seversl messages for someone to get back with me but they never do. they are taking 30 dollars from my account every two weeks, someone please give me some advice on how to handle this situation.

[QUOTE=;][/QUOTE]
Good day!

The good vibe for everybody.
Problems of health blogging me at home (for the moment) I take of come here, participate a little good grow has all !

Peace out.