Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Troy Capital, LLC
State: MA

Complaint narrative:
Recently I XXXX XXXX, formerly known as XXXX XXXX was sued for a very old collection account. I demanded a full investigation as to the age of the debt, and I won in the XXXX XXXX XXXX as the debt simply was no longer enforceable. So, I started to do some additional research pertaining to a default judgment entered against me in XX/XX/2018 by Troy Capital LLC, as assignee for XXXX XXXX XXXX. I now have a judgment against me that had no right to ever be before a judge in the XXXX District Court, XXXX XXXX XXXX, XXXX, MA XXXX. I am going one step further by stating that the original debt with XXXX XXXX XXXX had been in default for well over seven years, and for that matter the account is not even posted on any of my credit bureaus. The debt buyer known as Troy Capital LLC is protected within the XXXX of Massachusetts from even licensing as a debt collector as per recent Superior Court decisions as well as a mandate from the Massachusetts Banking Department. A law firm know throughout the XXXX of Massachusetts as XXXX XXXX  XXXX filed the lawsuit, and I was never given proof of ownership of debt from XXXX XXXX XXXX that Troy Capital LLC had the necessary assignments of debt, and/or any upset price on the purchase of said debt. I am a woman of XXXX  status, being a person of 50 % XXXX and 50 % XXXX heritage. I work a very responsible job for the XXXX of Massachusetts, and I believe that debt buyers target minorities due to their limitations within the financial system in general. I have been the target of racism and I do not believe that proper due diligence was proved on ownership in the judgment posted against me. I hereby demand a full vacatur of the judgment against me immediately, and a return of all funds seized from my payroll checks. I will take the following actions within 30-days if my  rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are not protected : 1 ) I will submit a bar complaint against XXXX XXXX  XXXX and XXXX XXXX XXXX, Esq. 
2 ) I will submit additional complaints within the XXXX of Massachusetts agencies such as the Office of Attorney General and the Massachusetts Department of Banking. 
3 ) I will submit complaint with the XXXX and XXXX XXXX, as I believe that a proper investigation will prove XXXX bias in the debt purchase scam, as well as with their lawyers that enforce these judgment actions in our district courts. 
4 ) I have three additional areas to steer this issue to that I will reserve at this time. 
5 ) XXXX XXXX XXXX XXXX violated my rights by submitting my collection information outside of legal timelines, and should be sanctioned by the CFPB. 
Please take my complaint with the Consumer Financial Protection Bureau serious and address my concerns. I do have a civil rights lawyer from XXXX who wants to come on board with my complaint, but I told him that at this time I am trying to protect my family and would like to see if the problem could be resolved peacefully without additional actions. 
I demand that the judgment taken against me be vacated immediately and all seized funds returned. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation