ComplaintsforGalaxy Capital Acquisitions, LLC

Holding Company

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Initial Complaint
07/01/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
On December 23, 2021, a line of credit for a ***************** Card (wayfair purchase of ********) was fraudulently taken out using my name and SSN. No payment was made, and so the credit line closed and went to collections. Galaxy bought the debt, and then proceeded to file a judgement against my wages for the account. All fine and good, if the original line of credit wasn't opened fraudulently. When I've called, agents I've spoken to keep telling me to "wait a week" or "wait a few weeks" to come back for their records to prove fraud (they apparently needed to "update"). This is unacceptable, as I had not at that point given them any information to even look me up. Every department I've reached out to keeps sending me around, and it seems that nobody is willing to give me the details or the opportunity to report the fraudulent activity and have the judgement lifted.Whats most bothersome is that this account that has supposedly been in collections for years has NOT showed up in ANY credit report hard inquiries or otherwise.This seems like a scam. They seem like very capable and competent scammers, but scammers nonetheless.
Business response
07/03/2024
July 3, 2024
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is trying to contact us regarding an account owned by GIP.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact ******** & *******, PLC who is handling the matter on behalf of GIP at ************, or to GIP at ************ to discuss the matter.

We trust this response will satisfy your request.

Regards,

************************
Customer response
07/03/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*****************************
Initial Complaint
05/23/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
GALAXY It has come to my attention that you obtain accounts with the name "*********************** You are hereby notified that you have Violated Federal Law and I'm requesting $1000 per Violation of the **** You have Violated 12 CFR ******** (ii) The qualified lender must obtain from the borrower a signed written consent to the sale. I NEVER GAVE WRITTEN PERMISSION TO THE **** OF THIS. Further more before any information can be shared/reported on a credit reporting party such as Equifax Transunion and Experian the consumer has the opportunity to Exercise his right of non disclosure of personal information to any 3rd party.
Customer response
05/23/2024
As I mentioned in my complaint Galaxy Capital Acquisitions, LLC has Violated my rights.
Violation of the **** You have Violated 12 CFR ******** (ii) The qualified lender must obtain from the borrower a signed written consent to the sale. I NEVER GAVE WRITTEN PERMISSION TO THE **** OF THIS. Further more before any information can be shared/reported on a credit reporting party such as Equifax Transunion and Experian the consumer has the opportunity to Exercise his right of non disclosure of personal information to any 3rd party.
I was never informed of my non disclosure rights from whoever they acquired my personal information from.
I Do not have a contract or have ever initiated ant sort of communication with Galaxy Capital Acquisitions, LLC
I am not liable for this debt with DL Investment Sarl, Compartment Moonstone 1 (serviced by Lend. I DO NOT have a contract with Galaxy Capital Acquisitions, LLC.
I demand all information associated with *********************** to be removed from their records and all 3rd parties they are sharing my information with.
Business response
05/29/2024
May 29, 2024
RE: ***********************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is trying to contact us regarding an account owned by GIP.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************ to discuss the matter.

We trust this response will satisfy your request.

Regards,

************************
Customer response
05/29/2024

Complaint: 21748718

I am rejecting this response because:
I do Not Have A Contract with Galaxy and they Don't want to reply as they have Obtained my Personal Information by Violating Federal Law and I Stand by my Original Complaint. Their reply is not accepted and failure of the the deletion of my personal information from their system will result in Legal action under
1681n, or negligent non-compliance, 15 U.S.C. 1681o. Claims of willful non-compliance carry possible statutory damages of $100 to $1000 per violation.

Sincerely,

***********************
Customer response
05/29/2024
The BBB is allowing businesses to Violate consumers rights and simply doesn't even care about making sure the businesses reply to a complaint.
Customer response
05/29/2024
I Do NOT have a contract with Galaxy and they have acquired my personal information Violating my rights per my complaint, the BBB is letting them just not reply, they aren't replying because they know they are at Fault and the BBB is letting them Do so.
Initial Complaint
05/01/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Greetings. I've been trying to reach this company about a debt that I owe that was purchased by them. They never answer the phone or customer service numbers(s) or the website replies. I've tried to search for a company email contact and have come up empty. The original creditor sent me their information. I've been trying to make contact several time to clear up the debt(s).
Business response
05/01/2024
May 1, 2024
RE: *************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is trying to contact us regarding an account owned by GIP.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to again contact ****** ***** LLP as they are handling the matter for GIP if the consumer is interested in resolution. ****** ***** LLP can be reached at ************.

We trust this response will satisfy your request.

Regards,

************************
Customer response
05/01/2024
The original creditor that sold the account to ********************** was upgrade. I had an account that was charged off from them and they sold it to Galaxy and I was trying to get an update on the balance and trying to make arrangements.
Customer response
05/01/2024

Complaint: 21649540
The original creditor that sold the account to ********************** was upgrade. I had an account that was charged off from them and they sold it to Galaxy and I was trying to get an update on the balance and trying to make arrangements.

Sincerely,

***************************
Business response
05/22/2024
May 22, 2024
RE: *************************
FINAL RESPONSE

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is trying to contact us regarding an account owned by GIP. This is the second complaint filed by the consumer with similar details

Due to the public nature of this forum, we decline to post further details. We advise the consumer to again contact ****** ***** LLP as they are handling the matter for GIP if the consumer is interested in resolution. ****** ***** LLP can be reached at ************,or at **********************************; Please reference file number 4820953.

We trust this response will satisfy your request.

Regards,

************************
Customer response
05/22/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***************************
Initial Complaint
03/13/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The nature of this dispute is I never applied or received a ********************* Credit Card for ********************* with the account number ending in 0773. I have never received any statement from *********************. The email I received on 03/12/2024 from www.January.com indicates that as of August 23, 2023 I owe $2,123.88. I never accrued this debt.
Customer response
03/13/2024
I have searched my Experian.com report for any loans/credit cards that were open on December of 2020 for the amount of $2123.88 from the Original Creditor ********************* and the Current Creditor Galaxy International Purchasing, LLC. I do not find any loans/credit cards or balances.
Business response
03/21/2024
March 21, 2024
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information.

We trust this response will satisfy your request.

Regards,

************************
Customer response
03/21/2024

Complaint: 21423973

I am rejecting this response because I have not received any further proof or documentation that this debt belongs to me. Also, it is concerning that in the response back from their representative, they addressed me as ***** and that's not my name.

Sincerely,

*****************************
Business response
03/27/2024
FINAL RESPONSE:
March 27, 2024
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested. Please continue to check your mail as often the ********************* is delayed. Additionally, apologies for the previous misspelling of your first name as I did not catch the auto-correct.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information.

We trust this response will satisfy your request.

Regards,

************************
Initial Complaint
02/12/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
For the last few months this company has harassed me on a debt they have not been able to validate to me. Theyve even gone as far as serving me with court documents.
Business response
02/27/2024
February 27, 2024
RE: *********************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information.

We trust this response will satisfy your request.

Regards,

************************
Initial Complaint
08/04/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
In accordance with the Fair Credit Reporting Act. GALAXY INTERNATIONAL PURCHASING LLC has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. ****. ACCOUNT#******* U.S.C ***** Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.15 U.S.C. ****, Section 602 A., states that I have the right to privacy.15 U.S.C **** section 604 A section 2. It also states that a consumer reporting agency cannot furnish an account without my written instructions.
Customer response
08/05/2023
yes i have attempted to rectify this account. as per my attachments you can see tracking numbers and other complaints that were filed. they are selling and reselling my information without my written consent.
15 U.S.C **** section 602 A States: I have the right to privacy.
15 U.S.C **** section 604 A section 2. It also states a consumer reporting agency cannot furnish an account without my written instructions.

Business response
08/14/2023
August 14, 2023
RE: *********************************** (*****)

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested. Please note GIP does not report to the credit bureaus.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information.

We trust this response will satisfy your request.

Regards,

************************
Initial Complaint
07/28/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with, TBOM/ASPIRE. and I do not have a contract with Galaxy International Purchasing, LLC and they did not provide me with the original contract as I requested.
Business response
08/10/2023
August 10, 2023
RE: *******************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information, or ************* at **************.

We trust this response will satisfy your request.

Regards,

************************
Customer response
08/10/2023

Complaint: 20389547

I am rejecting this response because: Galaxy International Purchasing, LLC (hereinafter GIP), I have not received a debt validation letter from this agency as requested so therefore I reached out to the Better Business Bureau.

Sincerely,

************************************************
Business response
08/11/2023
August 11, 2023
RE: *******************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested. We encourage the consumer to recheck her mail as it was sent on 07/31/2023.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information, or ************* at **************.

We trust this response will satisfy your request.

Regards,

************************
Customer response
08/11/2023

Complaint: 20389547

I am rejecting this response because: I have not received a debt validation letter from this agency as requested. I have checked my email and I do not show an email from this company for a Debt Validation letter as requested.

Sincerely,

************************************************
Initial Complaint
06/14/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I know nothing about a debt , nor have a contract with galaxy . They did not provide me with the original application like i asked.
Business response
06/27/2023
June 27, 2023
RE: ***************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer is disputing a debt owned by GIP. Documentation has been sent to the consumer,as requested.

Due to the public nature of this forum, we decline to post further details. We advise the consumer to contact GIP at ************** for further information, or ************* at **************.

We trust this response will satisfy your request.

Regards,

************************
Initial Complaint
03/22/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have a collection on my credit report from TBOM ********* of Missouri) as the original creditor reporting. This collection was sold to Galaxy International. The amount of $274.36 is showing unpaid but I paid this to GIP on November 8th, 2022. It is now March 22nd, 2023 and they have not reported to any of the credit bureau's. I received a very generic letter from ********************* via email showing the creditor Galaxy International Purchasing LLC, now has a zero balance but they have not reported to the credit bureaus as they are supposed to by law. I can not use this letter to dispute or show my home loan underwriters that the debt has been cleared because it does not show where the default or collection originated. I need a correct letter sent to me ASAP with the original creditor and account number showing it has been paid. I have been fighting with GIP for 5 months now. Do I need to get a lawyer involved for lack doing their job?
Business response
03/31/2023
March 31, 2023
RE: *************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. It is our understanding the consumer desires credit bureau reporting updated due to an account resolved with GIP. GIP does not report to the CBRs; however, a letter of resolution has been sent to ****** that he may utilize.

Due to the public nature of this forum, we advise the consumer to contact GIP at ************** for further information.

We trust this response will satisfy your request.

Regards,

************************
Customer response
04/11/2023

Complaint: 19637106

I am rejecting this response because: as I stated in my original complaint the letter attached is very generic with no information regarding the original creditor, no account numbers, nothing that I can submit to the credit bureaus or even the company the bought the collection from. I noticed that the response they sent back is an auto filled generic letter as well which means they did not even read my complaint. Since then I have called the company and left a voicemail and received no call back in 2 weeks. I am not asking GIP to report to the credit bureaus. I am asking galaxy to send me a correct letter and receipt of my payment showing the original creditor TBOM ********* of Missouri) with my account number. This letter also needs to shows all original accounts and creditors, beginning balances and end balances.

Sincerely,

*************************
Business response
04/13/2023
March 31, 2023
RE: *************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. We reiterate our previous response and a letter with the information **************** requested was sent to him on March 23, 2023.

Due to the public nature of this forum, we are not attaching the requested letter here. We advise the consumer to contact GIP at ************** for further information and if he would like a copy of the letter sent to him electronically.

We trust this response will satisfy your request.

Regards,

************************
Initial Complaint
02/21/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I agreed to pay off a debt as long as interest and penalties were removed. Galaxy international said the company ************* agreed to it since the original purchase was through them. I paid off the correct amount that was due. I now received a 1099C from Galaxy International which was not agreed upon. They do not have anyone that answers the phone lines to get corrected and one of their sister companies told me to call a phone number and the number given to me was a lie as it was a phone number to an airport. Please help me rectify the situation
Business response
03/02/2023
March 2, 2023
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern.

Due to the public nature of this forum, we advise the consumer to contact GIP at ************** for further information.

We trust this response will satisfy your request.

Regards,

************************
Customer response
03/02/2023

Complaint: 19444141

I am rejecting this response because:
I have called that number numerous times and theres no one that answers the phones. One department that answers is a seperate collector and has nothing to do with Galaxy. And the person that did answer in that department ******* international. Lied to me and told me to call a number and the number she gave me was an airport! They are scammers! I want this corrected now or we can file a lawsuit!

Sincerely,

*****************************
Business response
03/03/2023
March 3, 2023
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern.

Due to the public nature of this forum, we again advise the consumer to contact GIP at ************** for further information. Test calls to the number are answered when the consumer prompt #3 is chosen. Alternatively, please contact us at our website *********************************** so we may begin secure electronic communications.

We trust this response will satisfy your request.

Regards,

************************
Customer response
03/06/2023

Complaint: 19444141

I am rejecting this response because:
they are lying. Option 3 is a department for another creditor. They have nothing to do with Galaxy international. I am not playing anymore games with them.

Sincerely,

*****************************
Business response
03/07/2023
March 7, 2023
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. We appreciate the opportunity to respond to the consumers concern. We reiterate our previous responses and encourage the consumer to again call or contact us electronically. GIP does not have an option to refer a consumer to any other entity. See below.

Due to the public nature of this forum, we again advise the consumer to contact GIP at ************** for further information. Test calls to the number are answered when the consumer prompt #3 is chosen. Alternatively, please contact us at our website *********************************** so we may begin secure electronic communications.

We trust this response will satisfy your request.

Regards,

************************
Customer response
03/07/2023

Complaint: 19444141

I am rejecting this response because:
I have done this multiple times. Once again I am stating they have no one that responds. There is no website for them as listed. Im done playing games with this company. They have had previous lawsuits against them. I will not accept anymore responses. They need to send me a corrected 1099C debt cancellation asap reporting zero dollars on the form!
Sincerely,

*****************************
Business response
03/09/2023
March 9, 2023
RE: *****************************

To Whom It May Concern:

Galaxy International Purchasing, LLC (hereinafter GIP), is in receipt of your recent correspondence. As we have stated in our prior responses on this matter, due to the public nature of this forum, we will not discuss account details here. We again urge **************** to reach out to us through our website hhtps://galaxyinternationalpurchasing.net/. Our home page has a message option for **************** to communicate with us directly and securely.

Regards,

************************

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