Ad Astra Recovery Services Inc

2015-10-02

Kelly Usa Br, TX

False statements or representation

Debt collection: Payday loan

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-30

Damascus, OR

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-30

Lewisville, TX

Received a loan I didn't apply for

Payday loan:

Complaint: There is a loan on my credit report for XXXX XXXX and a duplicate for Ad Astra for the same debt. I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. My identity was compromised during an employment layoff XX/XX/XXXX by the XXXX XXXX XXXX and this is the only way they could have gotten my information. I have contacted the credit bureau more than 10 times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-29

Arco, CA

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: Hi, I originally spoke with a manager XXXX XXXX at AD Astra Recovery Services and made an arrangement to pay off my debt ( XXXX ) in exchange for them removing the debt. So I paid off the debt {$310.00}, but they are refusing to remove them from credit reports. When I paid the debt I sent a letter ( below ) with a cashier check and in the memo line of the check I wrote ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ). They cashed the cashier check on XXXX/XXXX/15. But again they will not remove it, they say I did n't pay it in time. ( This is a copy of the letter I sent Ad Astra Recovery Services minus my name, account number and address ) XXXXAD ASTRA Recovery ServicesXXXX XXXX XXXX XXXX XXXX XXXX . XXXX, KS XXXXAc XXXX To whom it may concern, ( CASH ATTACHED CHECK ONLY IF YOU WILL DELETE ACCOUNT FROM ALL CREDIT REPORTS ) To whom it may concern, As per my conversation with your customer service representative, I am following through with my pledge to settle this debt in exchange for its removal from my credit report. Henceforth, I am attaching a check for $ XXXXto pay off the referenced account under the condition that the account will be removed in entirety from all the credit bureaus your company has reported this account to. If the implied conditions to delete or not verify are not acceptable to you, please kindly return my check. In the event that you cash this check and not remove the collection from my credit report, I will proceed to take this matter to the Attorney General 's office and proceed with filing suit. Truly, XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-27

Lewisville, TX

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Complaint: Said if i did n't pay they would have a sheriff at my house within minutes to arrest me
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-26

Lewisville, TX

Received a loan I didn't apply for

Payday loan:

Complaint: AD ASTRA is containing to report a fraudulent account to my XXXX credit report. I have letters and documentation stating that the account is not mine and that they would be removing it from all XXXX bureaus. They had removed it at one point, but have recently pout it back on. This is breaking the law in so many wat=ys. Once an account is removed it can not be put back.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-25

Arco, CA

Improper contact or sharing of info

Debt collection: Payday loan

Contacted me after I asked not to
Complaint: I took out a loan from XXXX XXXX in the amount of {$300.00} and it went unpaid and this is from 2009. The debt was sold to a collection agency and they reported negative information to my credit profile. According to the FCRA all debts can only be reported for 7 years and I have written numerous letters and the are refusing to remove the negative information.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-18

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all three Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-17

Mabank, TX

Charged fees or interest I didn't expect

Payday loan:

Complaint: I received numerous harassing calls from Ad Astra on behalf of XXXX many of which have been from unknown numbers. I was receiving calls from XXXX, XXXX, XXXX as well as Unknown numbers from various representatives from Ad Astra stating that my " File was in there office ''. I inquired as to what file and what they meant when they said it was in their " Office ''. I believe these representatives were misrepresenting themselves in an effort to scare me. In general this company has been predatory from the start of the loan from APR to their collections tactics. In keeping with CFPB 's disparate Impact rulings as it relates to the Payday loan industry I can attest that Ad Astra/XXXX is in violation of predatory lending practices. Their practices and policies are discriminatory and disproportionately have " adverse impact '' against minorities including race, national origin, color, religion, sex, familial status, and XXXX. I believe there is no legitimate, non-discriminatory business need for Ad Astra/ XXXX to practice these policies.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-16

College Park, NV

Improper contact or sharing of info

Debt collection: Payday loan

Talked to a third party about my debt
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-12

Grover Beach, CA

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened arrest/jail if do not pay
Complaint: I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-11

North Hollywood, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I would like to request an investigation into the practices of Ad aAstra. I have repeatedly asked them to remove their account from my credit report as it is not valid an they simply refuse and are putting me through loops. I do not require any further action against this account that has been placed against me for years. It is amazing to me how they continue to deny deny deny ever harassing me via telephone, they are refusing to acknowledge my dispute of these accounts fro the past XXXX months, they are refusing to accept the fact that I am aware that they break laws that affect consumers ' lives and they do not care! I am not going to go forth with any more communication with this company. I have files every necessary document and I have forwarded everything through the XXXX credit reporting burrows asking them to forwards my findings and my dispute to this company. I have also filed a dispute via fax and mail with Ad Astra and have NEVER heard back from them after they kept verifying the inaccurate an fraudulent accounts to me over and over again and never ever telling any of the bureaus why, how and when these were verified or how they were accurate. I do not understand how and why they continue to make me relive this nightmare and this horrible account under my name. I am a new graduate I am trying to get my life back together and I have run out of options and this company is trying to shut me up shut me down and push me into a corner over an account that was never opened by me. I have to start my life and they are holding me back. I have been denied credit cards from XXXX, XXXX and a car loan because of this collection! I am so appalled at their practices and I will absolute take this case as far as I can go. I am certain I am not the only XXXX in this situation. And please DO NOT deny the fact that you use robotic machines to leave message after I refused to pick up your phone calls. You are certainly guilty of that and in my state, of California, that is not something you are allowed to do. And thank XXXX for this website an their twitter account, or else how would i know!?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

Highland Park, CA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-10

Dallas, TX

Improper contact or sharing of info

Debt collection: I do not know

Contacted employer after asked not to
Complaint: XXXX XXXX from XXXX XXXX XXXX called my job and work issued phone. I told her not to call either phone. She threatened to call my HR department. I told her that she is not to call my place of employment and my work issued phone. She told me that she can call if she wants. Then she continued to call, spoke to my coworker then she called my work issue phone from an unknown number. It got to the point where she was hanging up. I called the number back that showed up on my personal and work issued phone, she refused to talk to me and had her supervisor speak to me. He tried to verify my information on me which I refused to agree to. He never told me what the call was for. I told him that they are harassing me at this point and need to stop calling. I blocked the number from both of my phones. They attempted to call from an XXXX number and I blocked that as well. The supervisor told me that they can legally call my job and work issued phone. I got extremely angry and pretty much let him know that I will file a complaint against this company along with him and XXXX XXXX. I believe the supervisor 's name is XXXX. When they called my personal phone, they did not leave a message. They just kept calling all XXXX numbers. They are extremely harassing. If I had not blocked them from calling. I am sure they will continue to call me. The phone number to this company is XXXX XXXX XXXX and XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-04

Reno, NV

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-09-03

Kissimmee, FL

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

2015-08-28

North Hollywood, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I just received a response from Ad Astra and they claim that the account i have placed under fraud alert is mine. I have had no luck trying to dispute this item for many months now and I have explained to all parties involved, even the XXXX credit reporting bureaus that I have had fraudulent accounts opened under my name, starting with XXXX XXXX. Somehow this company is abusively calling me regarding this debt that has nothing to do with me, and I even told them that all of the machine messages they left on my cell phone were against the law in my state of California. They refused to place this account in dispute when I challenged its validity and they claimed to have sent me paperwork which is also nonexistent. I have never received anything from them. I have suffered so much at the hands of this company. They choose to pretend I do not exist until I bring my case here to your portal. They have absolutely no right to report to my credit files and try to make me pay for something that is not mine and this company whom they work for is apparently accepting applications from fishy people. What is more hurtful is that they did n't even wait XXXX day to attack my concerns and my complaint. they just responded like I do not matter and as if my case has not been in dispute since XX/XX/XXXX. They are the ones who are the problem. How am I supposed to defend myself? They send me a ridiculous link on fraud protection when I have told them many times that there ALEADY is a fraud alert on my credit reports, so how are they allowed to keep this up? How was their client allowed to pull my credit? i do not understand this. I have a XXXX different things I will say until this company is investigated for violations against consumer rights. I will not stop fighting this company an their client, no way.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-26

Chicago, IL

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

North Hollywood, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company continues to call an harass me after I have told them that there is NO way that this account is mine. I have disputed this account numerous times and I have received absolutely no paperwork or any form of validation, even though they claim to have sent it. This account is not associated with me and this company has continued to annoy me with their voicemails regarding a debt that I supposidely owe and they use annoying machines to leave these messages. I have never even spoken to their agents. they only answered me when I brought my concerns to the CFPB and they are trying to scare me by quoting laws against me to intimidate me but I will not be intimidated. I doubt that Ad Astra follows the law, so I will complain until the federal government does something about their fishy tactics. They have nothing against me, I do not even know what they are calling about and I have repeatidly asked the credit bureaus and AD ASTRA to remove any derogatory marks off of my credit reports. They are damaging my credit and my life and they do not even follow any laws themselves. I have disputed this account since XXXX and I will only bring this matter to the CFPB until this obviously fraudulent account is deleted from all three of my credit reports. DO NOT CALL ME ANYMORE! You have surpassed your requirement to responding in the appropriate amount of time because I disputed this item in XXXX with your company. Why did you only respond on this portal. Also, I would like the CFPB to know that they have discussed the supposed debt that i " owe '' with my parents, who were shocked and hurt by their claims that this will continue to damage me until I pay. What is this company about!? I have placed a fraud alert on my credit report. There were fraudulent accounts opened at XXXX Bank under my name. So if this is another fraudulent account and you keep collecting on it and reporting to my XXXX credit repeorts then I will escalate this
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-21

Houston, TX

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened arrest/jail if do not pay
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Gastonia, NC

Disclosure verification of debt

Debt collection: Payday loan

Not disclosed as an attempt to collect
Complaint: I was under the impression I had satisfied this loan XX/XX/XXXX when I paid {$1000.00}. I moved XX/XX/XXXX ; and never received any further correspondence from original creditor XXXX therefore, I was n't aware that I owed anything further. I discovered the debt on my credit report on XX/XX/XXXX, from XXXX Recovery Services , Inc. indicating I owed {$580.00} more. I called the debt collection agency on XX/XX/XXXX, after checking my credit report. I explained that I had paid all that was due ; and I had moved XX/XX/XXXX ; and had not received any correspondence regarding the further debt. I requested the agency send me out proof of the debt and they agreed to do so in a few days. I have yet to receive the information. I mailed a Certified, Return Receipt Letter to XXXX Recovery Services , Inc., postmarked XX/XX/XXXX, requesting proof of the debt and the debt be immediately removed from my credit reports until I have valid proof the debt is owed since, I never received any previous correspondence via mail or otherwise.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Lakewood, CA

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-14

North Hollywood, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have repeatidly disputed account number XXXX with the credit reporting bureaus about Ad Astra Recovery Services and their aggressive and frightening collection tactics. I have asked doth bureaus to investigate and validate this debt that I have paid in full with XXXX XXXX and delete it from my account. I do NOT owe Ad astra anything and they have recently been calling my cellphone at late hours and leaving voice messages with a machine regarding this supposed debt that I know i do not owe them. Please investigate their aggressive and illegal attempts at taking money i do not owe them. they have not even provided any valid evidence nor have they communicated properly with me regarding my disputes and request for them to stop contacting me, especially with automated systems. They are so embarrassing and annoying. They need to delete their account from my credit reports immediately or I will contact an attorney. This is my last warning to them. Please help me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-11

Eagle Pass, TX

Can't contact lender

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Dallas, TX

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: I received a copy of a payment demand letter from Ad Astra Recovery Services that was included in forwarded mail from another address. I did not live at this address at the time this payday loan was applied for. I requested validation of this debt under the Texas Finance Code Section 392.202. Ad Astra did not respond to the request but they continue their collection activity by continuing to report the account to the credit reporting agencies. They also verified the account as accurate XX/XX/XXXX and XX/XX/XXXX but were unable to provide copies of contracts, agreements., etc.
Company Response: Closed with explanation

Disputed: Yes Timely Response