Ad Astra Recovery Services Inc

2019-09-05

Bellaire, TX

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Complaint: Reporting to the credit bureau as if I made a payment and I didnt.
Company Response: Closed with explanation

Timely Response

2019-09-05

Mccullers, NC

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-04

Garland, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-04

Cordova, TN

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-09-04

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have been arguing with XXXX for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail. My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the charges. Please have the accounts listed on my report removed pursuant to section 605B of the FCRA and send all needed notification to the furnishers.
Company Response: Closed with explanation

Timely Response

2019-09-04

Arco, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: I want to see if I could negotiate my debt. I have an account from XXXX XXXX that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
Company Response: Closed with explanation

Timely Response

2019-09-03

Richmond, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-03

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Seized or attempted to seize your property
Complaint: On XX/XX/XXXX, Ad Astra Recovery Services ( on behalf of XXXX XXXX ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with XXXX XXXX in XX/XX/XXXX, and subsequently worked out a payment plan with XXXX XXXX and Ad Astra in XX/XX/XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( Ad Astra claimed to have sent letters but I have received no such letters from Ad Astra ). A year later, Ad Astra charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted XXXX XXXX on XX/XX/XXXX, and was told that they had placed the account with Ad Astra and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at Ad Astra, I was told that they believe the transaction is valid and that they would not refund it. I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, XXXX XXXX and Ad Astra essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that Ad Astra did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.
Company Response: Closed with explanation

Timely Response

2019-09-03

Chicago, 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

2019-09-02

Klein, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-31

Katy, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-29

Coalinga, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
Company Response: Closed with explanation

Timely Response

2019-08-28

Santa Ana, CA

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: I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from XXXX XXXX. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
Company Response: Closed with explanation

Timely Response

2019-08-28

Moore, OK

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-08-27

Bellaire, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: Ad Astra Recovery has a negative collection item on my credit report reporting since XX/XX/15. I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 3 times.
Company Response: Closed with explanation

Timely Response

2019-08-26

Fred, VA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: During XX/XX/XXXX, I went online for a payday loan. I received a noticed I am approved for {$400.00}. I asked this company do they have licensed to lend in Virginia, they advised me they are license in Virginia. I never did received the loan in my bank. The next month, I noticed they took money from my account. I called the bank advising them of unauthorized action on my account, to close our account. I also check with the State Corporation Commission of Virginia to see if XXXX XXXX was granted license in Virginia. I was told XXXX not licensed in Virginia to do payday loans. On XX/XX/XXXX, we filed a Chapter XXXX Bankruptcy, inserting all out debts to include XXXX on our Petition. On XX/XX/XXXX, we were grant a discharge from all our debts. About two months ago, it appears XXXX, sold the fraudulent loan to AD ASTRA RECOVERY SERVIC. Now this debts is showing on all credit reporting agencies.
Company Response: Closed with explanation

Timely Response

2019-08-23

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

2019-08-23

Arco, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I called to work out a settlement offer and the company said I have to contact progressive insurance to work out a settlement. This can not be done because it was passed on to the collection agency already. My rights allow me a settlement to fix this debt. Ad Astra only gives me option to pay in full. I called them XX/XX/2019. The amount is {$610.00} for XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-21

Saint Landry, LA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was result of identity theft
Complaint: Received a letter in the mail a few weeks ago from XXXX stating that my information may have been used without my consent, XXXX I guess started an investigation, but asked me if I wanted copies from all three credit bureaus, I agreed and so far received my credit report from XXXX and XXXX, my credit report from XXXX has a negative account called XXXX XXXX XXXX ( Financial ) Pay Status : In Collection and AD ASTRA RECOVERY SERVICE # XXXX, placed for collection on XX/XX/2018 and it's listed as an individual account, I have never in my life used a payday loan company for any reason, so I know this has to be a fraud for which I missed when I order my credit report each year, I have never received anything in the mail nor have I received any phone calls about this account, if I had I would have disputed this account a long time ago, if possible I need a copy of the agreement so I can compare signatures and prove I did not open this account ever. no I do not have a clue who would do this to me, but evidently someone did open an account using my information and signed my name, yes when thinking back my son XXXX XXXX XXXX is very capable of doing something like this, if he did I still don't know how he could do it without a picture id? please investigate this as a fraud because I didn't open this account.
Company Response: Closed with explanation

Timely Response

2019-08-21

Brown Deer, WI

Written notification about debt

Debt collection: Payday loan debt

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

Timely Response

2019-08-21

Fort Pierce, FL

Written notification about debt

Debt collection: Payday loan debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-08-21

Kansas City, KS

Written notification about debt

Debt collection: Payday loan debt

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

Timely Response

2019-08-21

MO

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Complaint: Ad Astra sent me a collection letter for a loan that was previously paid to the orginial creditor. I have tried several times to dispute debt with my credit bureau with out any response from Ad Astra. I also sent them a letter asking for validation. No correspondence received. So finally I sent a payment to Ad Astra through my banks bill pay, and the next day also sent them a letter saying that they should have received payment for exact amount. Also that I was requesting validation of the debt. Did not receive. I also sent Ad Astra a copy of bank statement showing payment to the orginial creditor. I have attached all documents that I have in regards to this matter. And I want this removed from my credit.
Company Response: Closed with explanation

Timely Response

2019-08-20

Houston, TX

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

2019-08-19

WI

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Complaint: I asked them to verify and validate accountXX/XX/XXXX and XX/XX/XXXX with Ad Astra Recovery Service. I've been disputing account since XX/XX/XXXX with XXXX, XXXX, and XXXX.
Company Response: Closed with explanation

Timely Response