This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 189 complaints

Galaxy Capital Acquisitions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Complaints by issue type

What consumers report about Galaxy Capital Acquisitions, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 58.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Galaxy Capital Acquisitions, LLC ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 189 all-time complaints and a 97% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
189
CFPB complaints, all-time
97%
answered inside the CFPB window
29
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Galaxy Capital Acquisitions, LLC?

Galaxy Capital Acquisitions, LLC has accumulated 189 total CFPB complaints across 44 states, with 29 filed in the most recent 12 months against 160 historical complaints before that window. The trailing-12-month volume represents 15.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 97% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 44 states, led by Florida with 19 and Texas with 19. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Galaxy Capital Acquisitions, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

189

mid-volume (CCDB)

Last 12 months

29

15.3% of all-time complaints

Falling ↓

States active

44

multi-region footprint

Timely response rate

97%

excellent band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

58.9/100 composite

How does Galaxy Capital Acquisitions, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 39th percentile higher than 39% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Galaxy Capital Acquisitions, LLC versus the debt-collection vertical average.

Timely response within SLA 96.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 16.7%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 78.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Galaxy Capital Acquisitions, LLC compare to its peers?

How does Galaxy Capital Acquisitions, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Galaxy Capital Acquisi… National average
Complaints (last 12 mo)lower is better
29
136
268
Timely-response ratehigher is better
97%
96%
91%
Consumer-dispute ratelower is better
17%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 63
Took or threatened to take negative or legal action - 26
Written notification about debt - 25
Cont'd attempts collect debt not owed - 24
False statements or representation - 17
Disclosure verification of debt - 10
Communication tactics - 8
Taking/threatening an illegal action - 6
Improper contact or sharing of info - 4
Threatened to contact someone or share information improperly - 3

Where do complaints against Galaxy Capital Acquisitions, LLC come from?

Galaxy Capital Acquisitions, LLC's own per-state count, not a national baseline.

Top states by complaints against Galaxy Capital Acquisitions, LLC

Across 44 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Galaxy Capital Acquisitions, LLC contacts you

A grade of D signals how Galaxy Capital Acquisitions, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Galaxy Capital Acquisitions, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Galaxy Capital Acquisitions, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Galaxy Capital Acquisitions, LLC? ▼

The most common issue consumers report about Galaxy Capital Acquisitions, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 189 complaints filed with the CFPB.

Are complaints against Galaxy Capital Acquisitions, LLC increasing or decreasing? ▼

Complaints against Galaxy Capital Acquisitions, LLC are falling. The company received 29 complaints in the last 12 months, showing improvement over prior periods.

What is Galaxy Capital Acquisitions, LLC's reputation grade? ▼

Galaxy Capital Acquisitions, LLC has a reputation grade of D (score: 58.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Galaxy Capital Acquisitions, LLC respond to consumer complaints? ▼

Galaxy Capital Acquisitions, LLC has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Galaxy Capital Acquisitions, LLC operate? ▼

Galaxy Capital Acquisitions, LLC has received CFPB complaints from consumers in 44 states, with the most complaints from Florida (19 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.