Date Received: 2017-07-05
Product: Payday loan debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I noticed last year in pulling my credit reports for annual check an account listed as ” collections ” and ” Opened ” on XX/XX/XXXX by a collection company by name of Ad Astra Recovery System collecting for XXXX XXXX XXXX. It was later XX/XX/XXXXthat I started to receive numerous phone calls. I had googled the company and found a lot a people have had complaints against the company in trying to collect non existent debts/debts that were already paid in full. When I spoke with a ” company rep ” ” XXXX ” the 2 -3 times that I did, and I ‘m not sure that was even her real name, over the course of about a month or so, I told her each time that I was disputing the debt and to provide the following for my review so I could ‘formally ” submit in writing my dispute and go point by point down the list in rebutting. She would come back with quite persistently and tell me each time that she could take a credit card payment that day and that she was authorized to take xyz amount to get my account settled and closed. Each time I came back and asked her to provide me with information for my review first. After talking to her the last time, I just let the calls ring thru and someone from the company kept calling for a few months, basically 2 to 3 times each and every day ; it became predictably annoying as it would ring and then hang up, but they never left a vm. When I spoke with ” XXXX ” I asked that I be provided via snail mail, all of the following. 1. A copy of original contract with the debtor with my signature 2. The original loan amount 3. The original date of alleged default 4. The date this alleged debt transferred from the original creditor company and date it was bought by them 5. The Surety Bond information Interestingly enough I never received any written communication from them at all after my requests to provide me with my requested information and eventually the phone calls stopped and I thought the matter resolved, but I was wrong.
Flash forward a little over a year later, when I just went to do my annual credit check today, XX/XX/XXXX, my surprise that this ” collection ” status is still showing on my reports, even though I asked them to remove the information if they could n’t provide me with proof. I do know now I should be checking my credit report on a more ‘frequent basis ” and use a free service to do so from here on since I only checked 1 time a year to get my ” free annual report ”.
I am asking that this company since they could n’t provide me with the requested information showing this to be a legitimate debt to strike this off my credit reports.
Company: Ad Astra Recovery Services Inc
State/Zip: MO 657XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2566089
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