CFPB Complaint

Ad Astra Recovery Services Inc – CFPB Complaint 2017-07-05

Consumer Complaint Submission

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.

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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

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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