Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/25/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  am not liable for this debt with AD ASTRA RECOVERY and do not have a contract with **********. They do not provide me with the orginial application like i asked
  

  Business Response

  Date: 01/02/2023

  Business Response /* (1000, 8, 2022/12/07) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on February 1, 2021, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  It is important to note that Ad Astra Recovery Services, Inc. is in no way affiliated with "**********", and if the consumer has a complaint regarding this entity, we would encourage them to direct them to the appropriate individuals. The consumer's account was assigned to Ad Astra pursuant to the contract the consumer signed with our client and ownership of the account has not changed.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their BBB complaint. The consumer has sent multiple requests for validation via eOscar, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of an indirect dispute and responded to via the internet. Our response included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their dispute.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract and pay history for the loan and will send these documents to the consumer via certified mail in the next few days. The consumer can track the envelope at www.usps.com using the tracking number ********************.

• Initial Complaint

  Date:11/25/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notice that I have a collection from AD ASTRA RECOVERY SERVIC on my credit report. It says it was opened on 04/05/2019 for $***** with account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.
  
  I would like for this collection to be removed asap or I will file a CFPB and FTC report.
  

  Business Response

  Date: 12/28/2022

  Business Response /* (1000, 5, 2022/12/05) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on April 5, 2019, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  It is important to note that the consumer's account was assigned to Ad Astra pursuant to the contract the consumer signed with our client and ownership of the account has not changed. If the consumer has a complaint regarding a different entity or business practices outside of Ad Astra's operations, the consumer is encouraged to direct them to the appropriate party.
  
  After receipt of the consumer's complaint, and a review of our call logs, we have confirmed that the consumer has spoken with our organization previously. Predating receiving the consumer's complaint, we have no record of the consumer expressing concerns of fraudulent activity during any direct communication with our office.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their complaint. The consumer has sent multiple requests for validation via eOscar, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of an indirect dispute and responded to via the internet. All of our responses included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their disputes.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract, e-sign disclosures, and pay history for the loan and will send these documents via certified mail in the next few days. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************.

• Initial Complaint

  Date:11/23/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with AD ASTRA RECOVERY and do not have a contract with **********. They do not provide me with the original application like I asked.
  

  Business Response

  Date: 12/28/2022

  Business Response /* (1000, 8, 2022/12/05) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, **********, referred their consumer's overdue account on May 29, 2017, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  The consumer's loan originated on January 2, 2017, at a store front in *****************. It is important to note that the consumer's account was assigned to Ad Astra pursuant to the contract the consumer signed with our client and ownership of the account has not changed. If the consumer has a complaint regarding a different entity or business practices outside of Ad Astra's operations the consumer is encouraged to direct them to the appropriate party.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their complaint. Our office sent a validation letter to the consumer for this account on May 31, 2017. This letter advised the consumer of their right to dispute the debt. Our office was never notified by the United States Postal Service that this was a bad or invalid address, nor did we receive this or any other letter as returned mail. In response to this complaint, our office will provide the consumer a debt validation, and our response will include a copy of their validation letter.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract and pay history for the loan and will send these documents via certified mail in the next few days. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************.

• Initial Complaint

  Date:11/16/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not responsible for this debt nor have a contract with Ad Astra Recovery Services. The address shown on my credit report is also inaccurate. I have reached out numerous times to no response.
  

  Business Response

  Date: 12/27/2022

  Business Response /* (1000, 9, 2022/11/22) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on May 17, 2019, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  The consumer's loan originated on February 4, 2019, at a store front in *****************. It is important to note that the consumer's account was assigned to Ad Astra pursuant to the contract the consumer signed with our client and ownership of the account has not changed.
  
  Ad Astra's records indicate that consistent and accurate information has been reported to all credit reporting agencies to which it reports each month. Ad Astra has reported the consumer's past due obligation consistently since August 1, 2019. Our client has since confirmed the accuracy of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies.
  
  Following a review of the consumer's complaint, Ad Astra was unable to find any instance of failing to provide validation or any other information to the consumer. The consumer has sent multiple requests for validation, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, which are an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of indirect disputes, and were responded to via the internet. All of our responses included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their disputes.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract and pay history for the loan and will send these documents via certified mail in the next few days. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************.

• Initial Complaint

  Date:11/07/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ********** and do have a contract with Ad Astra Recovery Services, Inc.. They did not provide me with the original application as I have asked.
  

  Business Response

  Date: 12/16/2022

  Business Response /* (1000, 5, 2022/11/16) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on August 28, 2019, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  The consumer's loan originated online on April 19, 2019, with our client ***********, and the cash was picked up at a store front in **************. It is important to note that the consumer's account was assigned to Ad Astra pursuant to the consumer signed with our client and ownership of the account has not changed. If the consumer has a complaint regarding a different entity or business practices outside of Ad Astra's operations, the consumer is encouraged to direct them to the appropriate party.
  
  Following a review of the consumer's complaint, Ad Astra was unable to find any instance of failing to provide validation or any other information to the consumer. The consumer has sent two requests for validation, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, which are an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of indirect disputes, and were responded to via the internet. The consumer had also sent a request for validation via facsimile on May 6, 2020, and we responded accordingly on May 12, 2020. Our responses included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their dispute.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of these debts, we have obtained a copy of the original contract , e-sign disclosures, and payment history of the loan from our client. We will send these documents to the consumer via certified mail in the next few days. The consumer can track the envelope at www.usps.com using the tracking number ********************.

• Initial Complaint

  Date:11/02/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I checked my credit report and noticed I had a collection from AD ASTRA RECOVERY SERV that was opened in 12/06/2018 for $****** with account number starting in ******* that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity.
  
  I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC.
  

  Business Response

  Date: 12/12/2022

  Business Response /* (1000, 5, 2022/11/11) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on December 6, 2018, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client. It is important to note that the consumer's account was assigned to Ad Astra pursuant to the contract the consumer signed with our client and ownership of the account has not changed.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their complaint. The consumer has sent multiple requests for validation via eOscar, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in indirect disputes and were responded to via the internet. All of our responses included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their disputes.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. The account has been placed in a do not contact status per the consumer's request.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract, e-sign disclosures, and pay history for the loan and will send these documents via certified mail in the next few days. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************.

• Initial Complaint

  Date:10/24/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt with Ad Astra Recovery Services and do not have a contract with Ad Astra Recovery Services. They did not provide me with the original application as requested.
  

  Business Response

  Date: 12/26/2022

  Business Response /* (1000, 12, 2022/11/11) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on July 2, 2021, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their complaint. The consumer has sent two requests for validation via eOscar, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of an indirect dispute and responded to via the internet. Our responses included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their disputes.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract, e-sign disclosures, and pay history for the loan and will send these documents via certified mail in the next few days. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************.
  
  
  Consumer Response /* (3000, 14, 2022/11/16) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Please provide the signed contract and or agreement I have with your company.
  
  
  Business Response /* (4000, 16, 2022/11/22) */
  The validation requested by the consumer, being the loan documents and pay history, were mailed via certified mail on November 14, 2022. According to the tracking number ******************** at www.usps.com/tracking, shows the envelope is in route to being delivered to the consumer.
  
  
  Consumer Response /* (4200, 18, 2022/11/24) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I have not received your validation letter. Also please upload a copy of your license and registration to collect in the state of *****.
  
  
  Business Response /* (4000, 20, 2022/12/07) */
  The validation requested by the consumer, being the loan documents and pay history, were mailed via certified mail on November 14, 2022. We contacted the United States Post Office (USPS) to find the status of the delivery, as the tracking number ******************** showed the envelope was in transit to be delivered to the consumer on November 20, 2022 and was still in transit to be delivered as of December 1, 2022. It appears the envelope may have been lost in the mail.
  
  To remedy the situation, we mailed the loan documents and loan history to the consumer once more. The consumer can track the envelope at www.usps.com using the new tracking number ********************.

• Initial Complaint

  Date:10/12/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After multiple disputes with this company, AD ASTRA RECOVERY SERVICES INC. has failed to provide to me documents required to verify the attempts to collect a debt of $******, including the written contract with my wet ink signature along with 1099-C. The reporting charge-off collection status violates my federal protected consumer rights and conspires to tax fraud according to 18 USC 1028 Fraud and related activity in connection with identification documents, authentication features, and information while knowingly reporting misleading and fraudulent information on the consumer behalf. The malicious intent of willful noncompliance is causing my financial reputation to be tarnished without legal justification. Please note that failing to provide proper forms falls under The False Claims Act and your company is responsible for the breach of the fiduciary duty 29 USC 110. Please cease and desist all communication in regard to this matter and delete the tradeline from the reporting Credit Reporting Agencies.
  

  Business Response

  Date: 12/02/2022

  Business Response /* (1000, 5, 2022/10/20) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on August 4, 2020, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their complaint. The consumer has sent two requests for validation via eOscar, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of an indirect dispute and responded to via the internet. Our response included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their dispute.
  
  Our client has since confirmed the accuracy of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed. Ad Astra Recovery Services, Inc. has no record of the consumer asking to cease communication with them prior to their Complaint. The consumer's account has been placed in a do not contact status per this request.
  
  The validation requested by the consumer, being the loan documents and pay history, were mailed via certified mail on December 1, 2021, in response to their CFPB complaint 211123-7662303. According to the tracking number, ********************at www.usps.com/tracking the envelope was delivered to the consumer on December 6, 2021. Additional validation requested by the consumer, being the loan documents and pay history, were mailed via certified mail. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************.

• Initial Complaint

  Date:10/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I declare under penalty of perjury (under the laws of the United States, if executed outside of
  the United States) that the
  foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted
  by FEDERAL and
  STATE LAW to file this dispute. I also understand that knowing and willful misstatements or
  omissions of material
  facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.
  Additionally, these
  misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit
  report that I listed on
  the following pages are not related to any transaction that I made. I am alleging that a person or
  company - without my
  authorization- used my personal identifying information to apply for goods, services, or money;
  and, was successful in
  creating some accounts.
  

  Business Response

  Date: 10/26/2022

  Business Response /* (1000, 8, 2022/10/07) */
  After receipt of the consumer's complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue account on December 18, 2020, to attempt collections as a third party. In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client.
  
  The consumer has sent multiple requests for validation, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly. Disputes sent via eOscar, an electronic notification that the consumer disputed the debt with the credit reporting agencies, were delivered to us in the form of an indirect dispute and responded to via the internet. All of our responses included the name and address of the original creditor and other information we received from our client that may be useful to the consumer in reaching a resolution to their dispute.
  
  We have contacted our client to investigate the account for possible fraud, and they found no supporting evidence that there was any fraudulent activity. Our client confirmed the accuracy of the information as well as the amount owed for the account. We have researched our records and the current records of our client and determined that there is no inconsistency with the data we are reporting to the credit reporting agencies. In acknowledgment of this dispute, we have requested the account be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of this debt, we have obtained copies of the original contract, e-sign disclosures, and pay history for the loan and will send these documents via certified mail in the next few days. The consumer can track the envelope at www.usps.com/tracking using the tracking number ********************

• Initial Complaint

  Date:09/25/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with AD ASTRA RECOVERY SERV and do not have a contract with **********. They did not provide me with the original application like I asked.
  
  
  ******* .. Amount **** SEPTEMBER 01 2022
  ******* .. Amount **** SEPTEMBER 01 2022
  

  Business Response

  Date: 10/21/2022

  Business Response /* (1000, 5, 2022/09/27) */
  After receipt of Mr. ********* complaint, Ad Astra Recovery Services, Inc. ("Ad Astra") completed a thorough review of all loan documents, payments or payment attempts, and call logs. Ad Astra's client, ***********, referred their consumer's overdue accounts to attempt collections as a third party. Two accounts were referred to us, one on January 27, 2022 and another on May 3, 2022. In our role as a third party collector, we attempted to contact the consumer on several occasions, both by phone and mail, to negotiate repayment. Within five days of receiving the accounts, validation letters were mailed to the address we had on file from our client.
  
  Ad Astra has yet to receive anything evidencing the consumer's belief of fraudulent activity, such as a police report or identity theft affidavit. However, after receipt of Mr. ********* complaint, we asked our client's fraud department to investigate the fraud claim, and they determined that there may be indicators of fraud associated with these accounts. As a result of this determination, we have closed the accounts with our office and returned them to our client. We have also sent deletion requests to the credit reporting agencies to which we report. Once we have requested a deletion from the credit reporting agencies, it may take up to 30 days for an entry to update the consumer's credit history. The telephone number of the *********** Fraud Investigation department is ************ should further assistance be required.