Ad Astra Recovery Services Inc

2017-09-27

Austin, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.
Company Response: Closed with explanation

Timely Response

2017-09-27

Garland, 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

2017-09-27

Las Vegas, NV

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.
Company Response: Closed with explanation

Timely Response

2017-09-26

Arrowhead Farms, CA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-26

MO

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was result of identity theft
Complaint: DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
Company Response: Closed with explanation

Timely Response

2017-09-26

Los Angeles, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-26

Los Angeles, CA

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

2017-09-25

Bellflower, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-24

Fairfield, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-09-22

Del Rio, TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-09-21

North Sacramento, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-20

Mem, TN

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-19

Arlington, 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

2017-09-19

LA

Incorrect information on your report

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

Account information incorrect
Complaint: I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.
Company Response: Closed with explanation

Timely Response

2017-09-18

Orlando, FL

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

2017-09-17

Beyersville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-16

Houston, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-16

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: In accordance to FCRA Section 609, these accounts was further disputed in XXXX, XXXX, XXXX, and XXXX 2017. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. All dates in which I have stated I do not have account with AD Astra Recovery. They have continued to report inaccurate information. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed the account on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
Company Response: Closed with explanation

Timely Response

2017-09-15

Arlington, TX

Communication tactics

Debt collection: Payday loan debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-09-14

La Tijera, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-14

Warrenton, VA

Received a loan you didn't apply for

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

Complaint: In XX/XX/XXXX, I contacted the 3 credit bureaus to dispute the XXXX XXXX item on my credit reports. The loan was in in the amount of {$270.00}, however I never applied or received a loan from XXXX XXXX. The information on my credit report incorrect. I contacted AD ASTRA RECOVERY SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX on XX/XX/XXXX to inform them that I never taken a loan out with XXXX XXXX and I need this item removed from my credit report but the have not resolved the issue or removed it from my credit report. The account # is XXXX the loan date : XX/XX/XXXX. I am requesting that your office investigate this issue on my behalf. Also, XXXX XXXX was not licensed in the Mississippi in XX/XX/XXXX, therefore any loans issued in my name on XX/XX/XXXX was illegal. I can be contacted via mail : XXXX XXXX XXXX, # XXXX, XXXX, VA XXXX
Company Response: Closed with explanation

Timely Response

2017-09-13

Tarzana, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.
Company Response: Closed with explanation

Timely Response

2017-09-13

Mabank, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Hope all is well. I recently discovered a company by the name of Ad Astra Recovery Services- XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) on my XXXX, XXXX and XXXX credit report. I was a victim of identity theft in XX/XX/XXXX by a family member. For the past six years I have had to put a fraud alert on my account every three months due to the fraud alert only lasting that long with all three credit bureaus. I have disputed and contacted the credit bureaus and was directed me to contact the company. I have contacted the agency by letter and by phone and have not received a response by mail. When speaking with a representative, they are very unprofessional and threatening. In my letter I have asked for valid proof of my obligation of this alleged debt as requested and they continue to report to the credit bureaus. Ad Astra Recovery Services has no yet responded back to me and has ignored my consumer rights for validation and need to provide proof of an actual contract between them and I with full accounting of the this alleged debt, that I actually signed and they actually signed. I ask for this information to submit into my local law enforcement for evidence for identity theft. After not receiving a response from the company, I contacted XXXX yesterday and they understood my concern and saw that I have been trying to get this issue resolved and directed me to contact you all by submitting an online complaint. From my understanding I have done much as possible to get this information and I hope I can get you all to help. Thank you. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-09-12

Walnut Spgs, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-11

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response