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Ad Astra Recovery Services Inc – CFPB Complaint

By on December 19, 2018
Consumer Complaint Submission

Date Received: 2018-10-18T00:00:00

Product: Payday loan debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor?
Do you have a contract between your Ad Astra and me, signed by both parties?

If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.

It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft.

Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

Do you have written consent to collect information about me and to share information about me with the credit reporting agencies – in writing, signed by me?

Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them.

Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information?
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically?

73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.

READ  Navient Solutions - CFPB Complaint

While on the phone with this company a representative even stated that I have no contract with Ad Astra.

Company: Ad Astra Recovery Services Inc

State/Zip: MO 631XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3050218

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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