Consumer complaint received 2023-07-07
Company: Galaxy Capital Acquisitions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Galaxy XXXX I am sending a copy of the CFPB/OCC complaint I filed on XX/XX/23 against XXXX XXXX XXXXXXXX and XXXX XXXX Bank for an account owned by you or by XXXX. I tried resolving without formal complaints, but as you can see below and attached, XXXX XXXX did not feel the same way. As a heads up, I am sure this is not unique to me and a class action for such violations is in order, but as long as we reach an agreement I won't reach out to any consumer protection attorneys. 

I tried resolving your violations without involving the CFPB process, but as evidence by the response ( or I should say non-response ) from your representative today, it appears it will come to that. If necessary, I will utilize our court system to resolve the violations by your company. I could litigate these claims myself as I previously was collection manager of a creditors rights law firm and as part of my job I handled all complaints, threats of lawsuits for FDCPA violations and actual lawsuits received for alleged FDCPA violations. Not to mention by three years at XXXX XXXXXXXX where I was involved in oversight of our 50+ collection attorney firm network in XXXX XXXXXXXX XXXX XXXX XXXX But what is the point when an attorney will take the case for the attorney fees alone they would get on an open and shut case. Here is a summary of the violations and I encourage you to review the attachments. 

It is quite simple, your company was retained to collect a debt for who knows because of your deceptive, misleading and confusing tactics and identified incorrect current creditors in an act to try to deceive me into paying a debt. I received the following three letters. 
XX/XX/23 Letter o Initial Demand/Dunning Letter identifying the current creditor as Galaxy International Purchasing , LLC and the original creditor XXXX Bank XXXX XXXX XXXX with a XXXXr # XXXX XX/XX/23 Settlement Offer Letter o You list the current owner as XXXX Bank XXXX XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # XXXX o XXXX # XXXX Same as letter XXXX XX/XX/23 o You list the current owner as XXXX Bank XXXX XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # XXXX o XXXXXXXX # XXXX Same as letter XXXX and XXXX In addition to the items listed above you have another violation in the additional attached email I received on XX/XX/23. 
XX/XX/23 Email o Body of Email : You list the current owner as XXXX Bank, XXXX XXXX and make no reference to Galaxy. This is deceptive, abusive, act or practice # 3 o SIF Letter : You list the current owner as XXXX Bank, XXXX XXXX and make no reference to Galaxy o XXXX # XXXX Same as letter 1, 2 and 3 Further this is now dual collection as another agency has sent me a dunning letter for the same debt days before this XXXX email. So you are collecting on an alleged debt at the same time as another agency. 

Desired Resolution : I am willing to accept forgiveness of the alleged debt and {$3000.00} to resolve the claims against your company. I can provide a settlement agreement I have used with other creditors and agencies or I am willing to use yours upon review.

Company response to consumer: Closed with explanation