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Consumer Affairs


Is this your Business?

Capital Management Services Collections Agency


Consumer Complaints & Reviews

I received a letter from Capital Management Services, LP on the 6th of Nov 2011 that they have been engaged by Galaxy International Purchasing LLC on the 2nd of Nov 2011. I just sent a payment to another company on the 1st of Nov 2011 that was handling my account.

This makes the third time that Galaxy International Purchasing has changed accounts with three different companies for collections. I cannot pay anything until next month. It is wonderful how this company can make your life miserable concerning trying to pay an outstanding debt. I have to wait until Monday - 7th of Nov 2011 to see what transpired. I can't do anything on a Sunday afternoon.

Well, I'm getting phone calls and letters from this collection agency for some time now. They're trying to collect on a company that folded back in 2000 by the name of Providian Finance Corp. This bank had a large number of law suits dating back to 1995. The last letter I got was from a lawyer back in June 2000, saying that they folded and we are no longer required to pay any and all loans back. I wish I still had that letter. I only keep them for 5 years.

So, as of today, they are trying to collect on a debt on a bank that doesn't exist anymore and the account is over 11 years old.

On 1/4/10 at 8:11AM, I received a call from a woman wanting my husband. I said I was his wife and could I help her. She said she was calling about a $3000 debt owed to some bank I had never heard of. I stated as much and she said she would check. She then said "Disregard the call" and hung up on me. I called back and left 2 messages wanting an explanation and perhaps, an apology. Well, it just gets better. My husband has a message from her on his phone. Two days later, my 88-year old mother-in-law told us that early Monday morning, some lady called and browbeat her into giving out our numbers. I immediately called them and the first man transferred me before I could finish my sentence. A second man came on and kept interrupting me and treating me as if I was a criminal until I told him to shut up and listen.

He finally got my story straight and looked it up. He told me I had 2 accounts that had been paid in full, but that we did not have any debt and she had made a mistake. I told him I wanted her to be spoken to and that I would proceed with whatever actions I could take. I also said I would say that he eventually was helpful. My mother-in-law was afraid that there was some emergency. She felt she had to give our numbers, as the woman would not take no for an answer. She was very worried and upset. She has never owed anyone or been late on a bill, so she had never experienced the collection mentality.

on november 29 2004 I called capital management services to settle a debt,they wanted a settlement of $3600,I told them I could only come up with $3200,the female representative told me to hold while she spoke to her supervisors,she came back on the line and told me they would accept it,I made the payment of $3200,now years later they tell me I still owe the full amount and the $3200 was taken as a payment,


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