Ad Astra Recovery Services Inc

2015-08-07

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was discharged in bankruptcy
Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-04

San Antonio, TX

Disclosure verification of debt

Debt collection: Payday loan

Not given enough info to verify debt
Complaint: On XXXX/XXXX/15 I requested validation from AD Astra. As of XXXX/XXXX/15 I have not received any proof of this debt from them.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-31

Boise, ID

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I sent them my FTC fraud affidavit package and told them that I did not get a payday loan, because I have been unemployed and getting VA benefits for many years now, and I never had a checking account since I was XXXX years old. I have no checking or savings accounts and no checks. I suspect that someone stole my I.D . sometime when I lost my ID many tines when I was homeless living on the streets. But, they said they do not believe me and will continue collecting and will file a lawsuit against me for writing bad checks.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-24

Bueche, LA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-17

Glendale, CO

Communication tactics

Debt collection: Payday loan

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Forney, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-10

San Antonio, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-07-09

Winnsboro, LA

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-03

Lompoc, CA

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2015-06-30

Blue Mound, TX

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

2015-06-29

August F. Haw, CA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-27

Round Rock, TX

Payment to acct not credited

Payday loan:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-26

Bellaire, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-25

Eight Mile, AL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I WOULD LIKE TO KNOW HOW MANY LETTERS IT TAKES TO GET A COMPANY TO STOP CALLING YOU AFTER YOU DONE TOLD THEM THAT THE ACCOUNT THAT THEY ARE TALKING ABOUT DOES NOT BELONG TO YOU.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-24

Dallas, TX

Disclosure verification of debt

Debt collection: Payday loan

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

Disputed: No Timely Response

2015-06-11

AL

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

New Orleans, LA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I recently pulled my credit file and I realized XXXX XXXX was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from XXXX XXXX and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-11

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was paid
Complaint: I enrolled in a payday loan debt consolidation program XXXX ( XXXX ) in XX/XX/XXXX owing XXXX lenders @ {$300.00} each. I finished the program in XX/XX/XXXX after XXXX withdrew {$400.00} each month for 6 months. I was promised a closure letter and finally received it XX/XX/XXXX. In addition, XXXX of the lenders sent me a letter stating that they had not been paid and that the item was in collection. This is true and my credit score has been adversely affected. XXXX XXXX, manager at XXXX XXXX XXXX XXXX states that they have been paid yet I have requested a proof of payment as recently as XX/XX/XXXX and have not received it. I contacted Ad Astra/XXXX and they state they have not received any payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Moapa, NV

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I was in the process of refinancing my house and had my credit pulled XXXX XXXX/XXXX/2015 XXXX showed a collection owed to XXXX XXXX XXXX of the amount of {$450.00}, I have never done any financial business with this company. I was advised by my loan officer to dispute it with XXXX, I submitted the dispute and on XXXX/XXXX/2015 I received a letter from XXXX stating that the account was valid and it belonged me, I called XXXX and they stated that the creditor verified it was my name, social, and date of birth. They told me to call the original creditor which I did as soon as I hung up with them, I spoke to a customer service and a supervisor from AD Astra the collecting agency for XXXX XXXX XXXX listed on my report, and they could not find me in their system, they tried looking me up through name, social, dob and address and nothing was coming up for me from XXXX XXXX and they stated that the account number on the report was not even a valid account number. AD astra confirmed that I had no debts or having ever done any business with them so they told me to redispute with XXXX and mention who I talked to when I talked to them and what I was told, I immediately hung up with them and called XXXX and was told they were going to redispute it and add the additional information I was given by the creditor. I waited another 30 days and again it came back as valid, before I called XXXX I called AD astra again on XXXX/XXXX/2015 and spoke to another supervisor who again could not find me in the system they looked up name, social, dob, and address and and again. The lady I spoke to stated that she does n't see how XXXX could say its valid when I am not even in there system. I told AD Astra if they can give me something in writing saying I do n't have a debt with them and they said since I am not in their system I ca n't be giving a letter stating something I do n't have. AD Astra told me to contact XXXX and ask them how they are investigating and how they keep coming to the solution. I called XXXX XXXX/XXXX/2015 again and the customer service just kept repeating herself of redisputing I told her I already have redisputed it XXXX and that no one is helping, I asked her how they investigated that it was mine? like who they spoke to? was it electronic? etc. and she refused to answer me, she just kept repeating herself. I asked her that I wanted to speak to a supervisor and she just kept repeating herself that I needed to re dispute and refusing to get me to a supervisor, not until I mention that I could sue them for credit damages is when she transferred me to a supervisor. A supervisor got on the phone and just kept telling me that my name, social, dob and belongs to that debt. I tried explaining to him the situation and all he kept doing is repeating the same thing, I asked how they do their investigations? and he says they call the number on file the creditor and when I asked for that number he stated he could not provide that to me because the creditors have it, I said I have a right to know what number is being used for something that is affecting my credit report. I even told them I give them permission to call them while I am on the phone and he said that XXXX can not do that, and he just kept repeating himself not listening saying I just had to redispute and that my name, social, dob belong to that creditor, i hung up on them out of pure frustration it was like talking to a wall. So at this point Im going on 3 months of XXXX blaming AD Astra, AD Astra blaming XXXX and nothing getting fixed and no one is doing nothing to get it fixed, I am at a stale mate. This has affected me greatly since I locked my rate for my refinance and ended up with a higher rate just because of an XXXX points difference which Im sure I would of had, had this debt not been there to begin with or at least corrected in the last 2 months.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Skyland, AL

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-28

Plano, TX

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: Yes Timely Response

2015-05-19

Greensburg, KS

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-13

Houston, TX

Disclosure verification of debt

Debt collection: Payday loan

Not given enough info to verify debt
Complaint: I received a debt collection letter from Ad Astra Recovery Service in XX/XX/XXXX. I spoke to the representative of Ad Astra Recovery Services on the phone and asked them to verify the debt as required by law Texas Financial Code 392. 202 based on a letter that I received in the mail, the representative stated that they would. The representative stated that they hired an attorney and it would be best for me to pay the bill by the credit card invoice on the bottom of the letter. I told them again that they needed to verify the debt. I did n't receive any information from Ad Astra Recovery to verify the debt. In XX/XX/XXXX, I hired XXXX XXXX XXXX to investigate inaccuracies on my credit report. I forwarded all letters from Ad Astra Recovery Service to XXXX XXXX XXXX as instructed. The following information was requested from Ad Astra Recovery XXXX over the phone : name of original creditor, provide me with the original date of default, the date that the debt was transferred to them from the original creditor, the originate balance, the current balance, and surety bond information. Again, the representative for Ad Astra Recovery XXXX said ok that they would. I believe that I received a second letter from them which I also forwarded to XXXX XXXX XXXX as instructed. On XX/XX/XXXX, I asked XXXX XXXX of XXXX XXXX XXXX what if any inaccuracies were removed from my credit report. She pulled a copy of my credit report and indicated that Ad Astra Recovery Services, a collection agency was still on the report and this was associated with a payday loan from XXXX XXXX. I viewed XXXX entries for this collection agency on my in-house file. I asked what was being done and that I was filing a complaint with the Texas Attorney General 's Office under case # XXXX about this collection company. XXXX XXXX stated that they were still working on my file. So I said, ok. On XX/XX/XXXX, I received a congratulation letter stating that I completed the program which I questioned because their was no investigation of this collection company or any other creditors. On XX/XX/XXXX, I spoke to the XXXX XXXX XXXX receptionist and conveyed to her that I wanted the owner to provide documentation that they had requested on my behalf the documents required to verify the debt as stated by the Texas Finance Code Section 392.202 and the response given to them by Ad Astra Recovery Services. The receptionist stated that she was not sure if I could receive the documents from their investigation demanding that Ad Astra Recovery Services verify the debt before placing the entry on my credit report. To date, this collection company has not verify the debt according to the above law.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-07

Del Rio, TX

Disclosure verification of debt

Debt collection: Payday loan

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

Disputed: No Timely Response