Ad Astra Recovery Services Inc

2017-12-27

Bremen, GA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: In late XXXX I noticed a debt collection on my credit report from AD ASTRA RECOVERY. When contacted to inquire about this unfamiliar account I was told it was for a payday in the state of Alabama. I have not lived in this state in nearly 10 years and assume this is an account opened that I did not authorize. I have been working diligently for the past 3 years to get this removed from my credit report as it is hindering my home buying process.
Company Response: Closed with explanation

Timely Response

2017-12-27

Baton Rouge, LA

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-12-26

Houston, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

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

Timely Response

2017-12-25

San Diego, CA

Communication tactics

Debt collection: Payday loan debt

You told them to stop contacting you, but they keep trying
Complaint: I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.
Company Response: Closed with explanation

Timely Response

2017-12-20

San Antonio, TX

Incorrect information on your report

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

Account status incorrect
Complaint: DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Company Response: Closed with explanation

Timely Response

2017-12-20

Bellevue, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.
Company Response: Closed with explanation

Timely Response

2017-12-20

Gretna, LA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows Ad astra recovery services- over 5 years old debt not mines and was deleted because they couldnt validate and now back on experian and transunion . No contract. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
Company Response: Closed with explanation

Timely Response

2017-12-19

Salton City, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: I had an old payday loan that was sent to Ad Astra Recovery Service Inc for the amount of {$200.00}. I am trying to improve my credit score and willing to pay the debt but I want a letter stating they will stop reporting altogether the account to the collection agencies after they receive payment. The customer service rep said he could only give me a letter showing paid. I was told that it will show paid from the current date which means it will stay on my credit from the current date and not the date it went delinquent, even though it shows paid it does not help your credit score. He said they can only send me a standard letter. I will pay the debt once I receive a letter stating that they will stop reporting the account to the credit bureaus, so I can that completely removed from my credit report.
Company Response: Closed with explanation

Timely Response

2017-12-19

Huntington Park, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-19

San Antonio, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! XX/XX/XXXX{$650.00} Paid off in store! Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Company Response: Closed with explanation

Timely Response

2017-12-18

Crystal Lake, IL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-12-17

Thibodaux, LA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-17

Aldine, 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

2017-12-15

Grand Prairie, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-15

August F. Haw, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2017-12-14

Bellaire, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Company Response: Closed with explanation

Timely Response

2017-12-12

Dockweiler, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-12-11

Gretna, LA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: On XX/XX/XXXX, I received my credit report and to my surprise, I had AD ASTRA RECOVERY SERVICES listed attempting to collect a debt. On XX/XX/XXXX, I sent a certified letter to AD ASTRA RECOVERY SERVICES requesting the company prove I am the party who is by contract obligated to pay off this debt, which I have the right per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. AD ASTRA RECOVERY SERVICES did not validate the debt but indeed only sent a bill. If this account continues to report inaccurate and invalidates information to the three credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute fraud under both federal and state laws. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Company Response: Closed with explanation

Timely Response

2017-12-11

Aubrey, 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

2017-12-11

Thompsons Station, 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: Case number XXXX needs to be reopened. Request were sent for debt validation and licensure to collect in Tennessee on XX/XX/XXXX. Verification of delivery on XX/XX/XXXX. No response has been received. The debt stated on my credit report is for {$1000.00} The company 's response is for a XXXX XXXX. I am not a male, perhaps the collection is for a male by the name of XXXX. The company 's response also states that two validations letters were received in regards to this account. I have only sent one validation request with no response. perhaps the other validation came from the male XXXX whom they are referring to. Also the license number given, XXXX, is not valid to collect in the state of Tennessee per the tn.gov website for verification of collection licenses. Perhaps the license number is valid in Kansas, where the creditor is located, but this license number is not valid to collect in Tn.
Company Response: Closed with explanation

Timely Response

2017-12-10

Moreno Valley, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-08

Thompsons Station, TN

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Complaint: Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}
Company Response: Closed with explanation

Timely Response

2017-12-08

Memphis, TN

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I called the company on XXXX/XXXX/2017 and requested verification along with the original lender 's information, so I may investigate the debt said owed. I also requested a copy of Ad Astra Recovery Services , Inc 's license number to verify if the collection company had the legal right to collect in the state of TN. I was told by the representative I do not need to know that information and he was not obligated to give me information on their license to collect. He also told me Ad Astra Recovery Services , Inc is licensed in all 50 states. I have learned the company is not license in the state of TN. This account was added to my credit report and I was not provided the information I requested to validate the said debt. This collection agency is not license to collect in the state of Tennessee. Please assist me in this matter
Company Response: Closed with explanation

Timely Response

2017-12-07

Memphis, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. I sent a letter of verification and requested the original lender 's information, so I may investigate the debt said owed. I also requested proof AD Astra Recovery Services , Inc could legally collect in the state of TN. I requested this information on XXXX XXXX, XXXX by mail and did not receive a reply. On XXXX, XXXX this account was added to my credit report and I was not provided the information I requested to validate the said debt. This collection agency is not licensed to collect in the state of Tennessee. Please assist me in this matter
Company Response: Closed with explanation

Timely Response

2017-12-07

Ernul, NC

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Complaint: Ad Astra Recovery has been illegally hording my personal information without this consumer written consent. Purant to the 1974 privacy act Ad Astra Recovery has violated all privacy rights and has allowed my personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practice Act Ad Astra Recovery has collectively shared this consumers personal information to make trillions of dollars by selling it to various debt collector, employers, financial institution, and a host of others. Also, Ad Astra Recovery failed to validate a debt with this consumer and they are not abiding by the law. They have failed to provide validate made to pursant to 15 USC 1692g Sec 809 ( b ) of FDCPA. It has been more than 30 days and now I am asking that this alleged debt to be remove from all three credit bureaus. I am tired of dealing with this unprofessional people and not abiding by the law so my next steps will be to file a complaint with the Attorney General office and to file a class action against Ad Astra Recovery for violation of Fair Debt Collection Act and defamation character.
Company Response: Closed with explanation

Timely Response