Ad Astra Recovery Services Inc
Consumer Complaints
There are over 1711 complaints on file for Ad Astra Recovery Services Inc. Dated between 2019-12-09 and 2013-08-01.
Complaints Page 6
2019-08-18
Plainfield, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Closed with explanation
2019-08-18
Jackson, MO
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-08-13
Katy, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-12
Katy, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2019-08-10
Memphis, TN
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Complaint: I submitted disputes to XXXX, XXXX, AD Astra Recovery Services, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXXXXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help.
Company Response: Closed with explanation
2019-08-10
Quartzsite, AZ
Received a loan you didn't apply for
Payday loan, title loan, or personal loan: Payday loan
Complaint: I have received over the last 12-16 months a company named XXXX XXXX trying to collect a debt. The debt recovery company is Ad astra debt recovery services. I did not realize that several hundreds of dollars was coming out of my bank account and this was a while back. I am trying to locate the information with the account number and other information important to this case. I have been a victim in two ways.
First, I had a debt collector trying to tell me I need to pay a loan which was not mine.
Second, is that I am a victim of financial fraud because some one used my identity as XXXX XXXX and stole money from my credit union account in XXXX County California.
Company Response: Closed with explanation
2019-08-09
Laredo, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-08
Fort Worth, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2019-08-07
AL
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I filed for Chapter XXXX in XX/XX/2018 and the debt that was owed to XXXX XXXX was included in my case, XXXX # XXXX. XXXX XXXX did not send a representative to the Meeting of the Creditors and I was granted a XXXX in XX/XX/2018. Earlier today I received notification from XXXX XXXX that a collection was added to my credit report in the amount of {$560.00}.
Company Response: Closed with explanation
2019-08-06
Effingham, KS
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have contacted the company Ad Astra about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.
Company Response: Closed with explanation
2019-08-05
Juniper Hills, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-05
Klein, TX
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Closed with explanation
2019-08-03
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Complaint: AD ASTRA RECOVERY SE ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$980.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft.
Company Response: Closed with explanation
2019-08-02
Laredo, TX
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-26
Buckingham, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Company Response: Closed with explanation
2019-07-26
Sacramento, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the XXXX, contacted credit bureaus, and contacted the company. AD ASTRA RECOVERYXXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
Company Response: Closed with explanation
2019-07-25
CA
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: Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX to investigate and verify the account. The account still shows derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was not being truthful. The payment history is showing unknown therefore it is an unverified account reporting to my credit report.
Company Response: Closed with explanation
2019-07-25
CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate.
OnXX/XX/XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits?
The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible.
The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account?
This company is reporting this INACCURATE information to all 3 Credit Bureaus.
I know I have rights and I feel that this company is violating them.
Company Response: Closed with explanation
2019-07-25
Los Lunas, NM
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: AD ASTRA RECOVERY SERVICES , INC has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX XXXX XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX XXXX and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
Company Response: Closed with explanation
2019-07-25
Dallas, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I XXXX XXXX am stating that Ad Astra Recovery is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Ad Astra Recovery. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed application that I agreed to pay them or any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.
Company Response: Closed with explanation
2019-07-22
Alameda, NM
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
2019-07-20
Baton Rouge, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-07-18
Pittsburg, TX
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Closed with explanation
2019-07-18
MS
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: AD Astra Recovery Services has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor.
2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
Company Response: Closed with explanation
2019-07-18
Dulac, LA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure 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. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
Company Response: Closed with explanation