Ad Astra Recovery Services Inc

2018-01-25

AL

Problem with a credit reporting company's investigation into an existing problem

Payday loan, title loan, or personal loan: Payday loan

Their investigation did not fix an error on your report
Complaint: I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.
Company Response: Closed with explanation

Timely Response

2018-01-25

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-25

Inglewood, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-01-24

Fort Worth, TX

Received a loan you didn't apply for

Payday loan, title loan, or personal loan: Payday loan

Complaint: I have a charge for {$500.00} from Ad Astra ( a collection agency ). I have been a victim of identity theft. I never applied for this loan. I have made this clear to this company. But they demand payment. Ive even asked if I settled if theyd delete it from my credit report. Ive attempted to have this taken care of. Yet, this company refuses to work with me.
Company Response: Closed with explanation

Timely Response

2018-01-24

Lisle, IL

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-01-24

Ernul, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-01-23

Gretna, LA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Dear Ad Astra, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation. thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response. Regards, XXXX XXXX CC Attorney XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-01-22

Las Milpas, TX

Problem with a credit reporting company's investigation into an existing problem

Payday loan, title loan, or personal loan: Payday loan

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-01-22

Rochester, OH

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-01-21

TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: I sent XXXX XXXX XXXX XXXX a letter regarding account number XXXX asking to verify and validate debt. I was notified that this account was verified with no proof of original contracts with my signature. no fair and thorough investigation was conducted. this account has also been on my account for 7 years from my understanding its suppose to drop off my credit report.
Company Response: Closed with explanation

Timely Response

2018-01-19

Moapa, NV

Vehicle was repossessed or sold the vehicle

Payday loan, title loan, or personal loan: Title loan

Complaint: OnXX/XX/XXXX I called XXXX XXXX store # XXXX @ XXXX. In reference to a title loan that 's currently on my credit report with Ad Astra Recovery Service @ XXXX. I called ad astra to inquire about them removing said accounts from all 3 Bureau bc the vehicle was towed, sold and a lien release was giving for the title. While my account was n't updated with transfer of sold vehicle. Mean while Ad Astra Recovery stated, " they no longer had my account it was referred back to title customer service @ XXXX or customer relations @ XXXX XXXX Which never udated my account to different status or collection agency. Ad Astra also informed me that they cant keep the collection account for over 181 days. On XX/XX/XXXX I recieved a call back from " title customer service '' stating debt was still owed whether they have my Collateral or not. She also implied that their were 6 outstanding loans on this vehicle totalling over 6,000.00. I replied to her I never got more than 2,000.00 in any of those title loans and that their is fraudulent activity going on at XXXX XXXX i.e to all the title loans or bank loans associated with my account at XXXX XXXX store # XXXX. I ask the representative to please remove ad astra from all 3 bureau and she declined. Bottom line is ad adstra no longer has my collection account and I want it removed or with an updated balance from when the car was sold by XXXX XXXX in XXXX XXXX. They housed the vehicle for 2 yrs b4 it was sold so it should mean that XXXX XXXX XXXX owes XXXX XXXX the Title, my guess. Lastly the only reason why I knew the car was sold in XX/XX/XXXX. Ironically, I recieved an inbox from XXXX XXXX of the buyer of my XX/XX/XXXXXXXX asking if I had the original key to the vehicle to get the trunk opened. The loan number that was giving reflects my credit report and Ad Astra Recovey Service no longer has Responsibility to hold my account as a debt. I am all out of options and in desperate need of help. Thank you in Advance.
Company Response: Closed with explanation

Timely Response

2018-01-19

CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months) marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication
Company Response: Closed with explanation

Timely Response

2018-01-19

Liverpool, TX

Threatened to contact someone or share information improperly

Debt collection: Payday loan debt

Contacted your employer
Complaint: This company has my cell phone number, which is why I 'm clueless as to why they keep calling my place of employment. My boss has asked for them to stop calling and tying up the phone lines. This has become a serious issue. They call my office at least XXXX times a day and every time my boss gets XXXX off. I need this to stop immediately. They have my cellphone number for a reason, and they are n't the politest people I 've come across they are very rude and call you a liar ... etc. Please help me resolve this issue this is ridiculous. This matter has been going on for months now.
Company Response: Closed with explanation

Timely Response

2018-01-19

Magnolia, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).
Company Response: Closed with explanation

Timely Response

2018-01-19

HI

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.
Company Response: Closed with explanation

Timely Response

2018-01-19

Huntsville, AL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-18

KS

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.
Company Response: Closed with explanation

Timely Response

2018-01-18

Houston, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-18

OH

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX did not give me a receipt or a copy of terms
Company Response: Closed with explanation

Timely Response

2018-01-16

Cedar Hill, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-01-16

Houston, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-15

Fort Worth, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.
Company Response: Closed with explanation

Timely Response

2018-01-15

Scottsdale, AZ

Struggling to pay your loan

Payday loan, title loan, or personal loan: Title loan

Complaint: This was included on my bankruptcy and they will not take this off my credit report.
Company Response: Closed with explanation

Timely Response

2018-01-14

Temple, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-01-13

Lewisville, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I sent an letter to A, D, Astra Recovery Service to validate an debt. I requested the following : Date the debt was transferred from original creditor to the 3rd party. *The current balance they bought the contract for. *Copy of the contact I signed with the 3rd party not the creditor. *Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond information as required by Sec 392.101 As of date XX/XX/XXXX, I was not provide with the above mention. I was provide with the details from the creditor Speedy Cash but I was not provided with any information in reference of A.D. Astra Reovery Services.
Company Response: Closed with explanation

Timely Response