Ad Astra Recovery Services Inc

2017-01-07

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Houston, TX

Can't contact lender

Payday loan:

Complaint: A debt has been sold, original creditor is not on my report and I can not get in contact about the inaccurate information. However I was called several times in the last 6 months with someone pretending to be from the XXXX XXXX XXXX 's office threatening to have me arrested at my place of employment over these XXXX negatives that appear on my credit report. I also received some emails about this debt stating that I am currently in court for this but I was never served by any courthouse.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-06

CA

Improper contact or sharing of info

Debt collection: Payday loan

Talked to a third party about my debt
Complaint: The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Houston, TX

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Complaint: Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-06

Rochester, WA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: AD Astra continues to report information on my credit report that is in violation with the FDCPA, Fair Debt Collection Practices Act. AD Astra continues to violate the Fair Debt Protection Collection Act by reporting information and claiming that I owe them monies. I have never entered into any contract or agreement with this company. Because they are a 3rd party collector, they must receive my permission to furnish any information on my credit report. They did n't do that and I will never give a debt collector permission furnish information on my credit file. They also violated a cease and desist letter sent to them by me, certified mail. They continue to contact me claiming I owe them monies. I have asked over and over to send me debt validation and were not able to validate anything but continue report false and misleading information on my credit file. They are affecting by ability to obtain credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Visalia, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Lewisville, TX

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Fort Worth, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: In accordance to FCRA Section 609, these accounts was further disputed in XXXX XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, XXXX 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 removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. 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 these accounts 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/XXXX/XXXX. 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. I have also provided proof that they deleted the items from XXXX report but not from the other XXXX credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why did they remove them from XXXX credit report ( XXXX ) and not from XXXX or XXXX? 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

Disputed: Yes Timely Response

2017-01-04

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Fort Worth, TX

Received a loan I didn't apply for

Payday loan:

Complaint: I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

CA

Can't contact lender

Payday loan:

Complaint: AD ASTRA RECOVERY SERVICES is an in-house collections company owned and used by XXXX ( XXXX ) Unless I am mistaken, Payday Lenders are not permitted to report derogatory information to the XXXX credit bureau agencies They have reported information of an alleged debt to the XXXX credit agencies which, in turn destroyed my credit
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-30

Fort Worth, TX

Received a loan I didn't apply for

Payday loan:

Complaint: I 'm unaware of this payday loan, I 've disputed this account and no action has been taken. I 've also requested original documentation with my signature on it validating this alleged account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-30

OH

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened to sue on too old debt
Complaint: attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-28

Cordova, TN

Communication tactics

Debt collection: Payday loan

Called outside of 8am-9pm
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Eight Mile, AL

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this account? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-27

Chicago, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-27

Providence, RI

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was paid
Complaint: Ad Astra is still on my credit reports. I have filed complaint after complaint with them, and i have submitted proof that this was paid in full, while one credit reporting removed it not the others.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-20

August F. Haw, CA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

PA

Can't contact lender

Payday loan:

Complaint: last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Plano, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Katy, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-18

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I do not have knowledge of the debt that is attempting to be collected.
Company Response: Closed with explanation

Disputed: Yes Timely Response