Date Received: 2018-12-14
Product: Payday loan debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.
Company: Ad Astra Recovery Services Inc
State/Zip: TX 774XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3100669
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.