Ad Astra Recovery Services Inc
Consumer Complaints
There are over 1711 complaints on file for Ad Astra Recovery Services Inc. Dated between 2019-12-09 and 2013-08-01.
Complaints Page 16
2018-10-26
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LAST FOUR : XXXX XX/XX/2018 AD Astra Recovery Servic XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Ks XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
I demand the following accounts be properly verified or removed immediately.
Name of Account : Provide Physical Proof AD Astra Recovery servic, FOR THE AMOUNT OF : {$620.00}
Company Response: Closed with explanation
2018-10-26
LA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: A few months ago I pulled my credit and notice AD Astra Recovery is reporting a balance of {$610.00}. Because I honestly believe this debt IS NOT mine, I've sent letters to this company asking to verify this debt. I'm sure this company has NOTHING with my signature saying I received this money because I don't ever recall getting a payday loan with them! I have not received anything but a print out of a balance they claim I owe. A print out stating a balance IS NOT sufficient verification to prove a debt! I need documents proving this is my debt. I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Company Response: Closed with explanation
2018-10-24
Cordova, TN
Communication tactics
Debt collection: Payday loan debt
Used obscene, profane, or other abusive language
Complaint: I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
Company Response: Closed with explanation
2018-10-20
Frazier Park, CA
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Collected or attempted to collect exempt funds
Complaint: I started receiving calls from Ad Astra on XX/XX/2018. My cell phone logged 17 calls and 3 letters. I spoke to them and wrote to them explaining I am on XXXX which makes my income exempt from collections. The company that sold them the debt knew that and they should go after them for selling them an uncollectible debt. They then placed it on my credit report in XXXX and so far haven't removed it after I asked them to. I have no assets that they can seize so they are wasting their time.
Company Response: Closed with explanation
2018-10-20
MS
Written notification about debt
Debt collection: Payday loan debt
Notification didn't disclose it was an attempt to collect a debt
Complaint: Send letter to resolve debt no response.
Company Response: Closed with explanation
2018-10-19
Bellaire, TX
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: I am frustrated Ad Astra Recovery Services because they continuously to report inaccurate information to the credit bureaus. I also have been disputing this inaccurate information for well over a year now and Ad Astra Recovery Services fail to delete this incorrect account from my credit report. Ad Astra Recovery Services also did not report this account to the credit bureaus as a disputed account, and that is a FDCPA violation and thats in FDCPA section 807 ( 8 ).
Company Response: Closed with explanation
2018-10-19
Henderson, NV
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-10-18
TX
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX XXXX XXXX # XXXX in XXXX XXXX.
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
Company Response: Closed with explanation
2018-10-18
Clayton, MO
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor?
Do you have a contract between your Ad Astra and me, signed by both parties?
If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.
It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft.
Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?
Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?
Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them.
Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information?
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically?
73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.
While on the phone with this company a representative even stated that I have no contract with Ad Astra.
Company Response: Closed with explanation
2018-10-18
Irving, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-10-15
Tomball, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-10-14
Fresno, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-10-13
TX
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: I obtained what was supposed to be an installmant loan through XXXX XXXX on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about 200 dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over two thousand dollars worth of payments overtime. About half way through i had logged intoXXXX XXXX to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called XXXX XXXX to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month XXXX XXXX has had a collection agency ( ad astra recovery services ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional 1000+ dollars.
Company Response: Closed with explanation
2018-10-12
Brentwood, TN
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: I am re-opening this case due to the fact that issue was not resolved or addressed. The company in question is and used threating tactics in it's written correspondence of this disputed debt. Which is a direct violation of the FDCPA. Stating in the letter that we have not received any correspondence as it relates to this disputed debt when you have received correspondence from me and stating in both letters " if you don't pay us we will damage/negative your credit on your report ''. I would be happy to provide copies of these letters if you or the CFPB need them. I consider this wording to be very threatening and aggressive. I look forward to working with you to address this concern and issue.
Company Response: Closed with explanation
2018-10-11
LA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: I recently pulled my credit and notice AD Astra Recovery is reporting a balance of {$850.00}. I've sent four letters to this company asking to verify this debt. I have not received anything but a print out of a balance they claim I owe. I honestly don't believe this debt is mine! I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information.
Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
Company Response: Closed with explanation
2018-10-10
Fort Worth, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-10-10
Texarkana, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-10-10
Dallas, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have never done business with Ad Astra Recovery Services. I do not have a signed contract with Ad Astra Recovery Services. I am not liable for this debt from XXXX. On XX/XX/2018 I contacted Ad Astra Recovery Services asking for a proper debt validation. Ad Astra Recovery Services failed to complete this request. Ad Astra has had ample time to validate this debt. An alleged e-bill does not meet FRCA requirements for validation. If Ad Astra Recovery Services can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Ad Astra Recovery Seevices INC does not have permission to contact me by phone, e-mail, or US mail. All communication must remain in the CFPB portal.
Company Response: Closed with explanation
2018-10-10
La Vergne, TN
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have received nothing except a letter stating that I have never responded to them and that they now threating that they will report this information to all three credit reporting agency. I have pulled my latest reports and they are indeed reporting this invalidated negative tradelines to all agencies even though it's disputed and I have received nothing to validate this debt from them. I have attached the certified mail receipt sent on XX/XX/2018 as it relates to my response to this firm asking them to please validate, I even outlined the specific items needed to validate this unknown debt and I have received nothing.
Company Response: Closed with explanation
2018-10-09
Atl, GA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Company Response: Closed with explanation
2018-10-09
Dallas, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-06
Hemet, CA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-06
Valley Glen, CA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2018-10-05
Beaumont, TX
Struggling to pay your loan
Payday loan, title loan, or personal loan: Payday loan
Company Response: Closed with explanation
2018-10-05
Birmingham, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation