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:09/21/2022

  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.

  Possibly the end of 2021 or beginning of 2022 I started receiving phone calls and letters from Ad Astra collection agency on behalf of ***********. For nearly nearly a year I received calls from Ad Astra on a regular basis. At the beginning of every call they asked me to verify my social security number.I knew Ad Astra did not have the correct social security number per my conversation with the *********** store supervisor.At first I receive collection notices with the wrong social security number then all of a sudden I started receiving notices with the correct social security number. everytime Ad Astra representative called I would ask for validation of the debt. This went on for nearly a year. In early sept I received a notice from Ad Astra after disputing the debt with the 3 credit reporting agencies. I called Ad Astra and spoke with Sam. After discussing the discrepancies with *********** he stated that I needed to send in another written request for validation of the debt because there were two loans with *********** he stated because I had two loads with *********** in their office I needed to submit another written request for validation of the debt I knew this wasn't true and asked to speak with the supervisor the supervisor said I did not need to submit another request and that there was only one loan. I told the supervisor that I was extremely frustrated with the multiple agents at Ad Astra that I had requested validation of the debt for nearly a year and never received it.I also complained about the multiple calls that I received on a regular basis from Ad Astra representatives after I asked them to cease and desist any further Communications via my cell phone and they still called my cell phone and because of the harassing phone calls I received I eventually had to change my number.I advised the supervisor of my conversation with Sam an Ad Astra employee. ******************************************* I advised the supervisor that I will be filing a com
  

  Business Response

  Date: 10/19/2022

  Business Response /* (1000, 5, 2022/09/27) */
  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 January 3, 2022, 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.
  
  After receiving the consumer's complaint and reviewing our call logs, we have confirmed that the consumer has spoken with our organization. Ad Astra found no instance of any disrespectful interactions directed towards the consumer. After reviewing our records, it would seem that the consumer may be getting phone calls from another company claiming to be Ad Astra as the last time we attempted to call the consumer took place on February 21, 2022, at which time the consumer requested us not to call anymore.
  
  Our records indicate we have never received any written request for validation directly from the consumer prior to their complaint. The consumer has sent one request 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 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. Our client confirmed the accuracy of the information as well as the amount owed for the account. 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 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 ********************.
  
  
  Consumer Response /* (3000, 7, 2022/09/28) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I dont agree with their response. Their agents have called my cell phone multiple times after I requested them to stop. Nowhere in Ad Astra response did they acknowledge what was said to me during the phone call on 09/27/2022 between the agent and supervisor. The agent clearly lied to me several times during our conversation. Time and time again their agent lied even after I told him what he said was not true. ********************************************************** Its time Ad Astra be held accountable for there agents using lying tactics to consumers
  
  
  Business Response /* (4000, 9, 2022/10/06) */
  After further investigation, Ad Astra was unable to find any indication of disrespectful or deceitful interactions directed towards the consumer. In response to the consumer's complaint, Ad Astra has reviewed its records and is unable to find any record of speaking with Ms. ******** on September 27, 2022. If the consumer will supply us with the phone number(s) that they received the calls from we would be happy to investigate this matter further. The account has been placed in a do not call status per the consumer's request.
  
  
  Consumer Response /* (4200, 11, 2022/10/10) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I have phone records dated 09/20/2022 at 10:09 am the call lasted 29m19s this is the call were the agent continued to lie after I told him several times what he was saying was untruthful.

• Initial Complaint

  Date:09/19/2022

  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 have received calls from Ad Astra. I have answered 2 of the calls. One was today, 9/19/2022. Once a human is on the phone line they ask for me by name. The demand personal information and will not share any information about the supposed debt. After the 1st call back in August, I was told they would contact me via mail. Nothing has been sent/received.
  Today's call was a woman. Again she starts a script about collecting for a personal matter and requests personal information (birthday) to verify.
  I state that if this is a valid debt and attempt to collect, they need to contact me in writing as I will not give personal information over the phone and without verification of the company and reason for the call
  

  Business Response

  Date: 10/21/2022

  Business Response /* (1000, 5, 2022/09/27) */
  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 15. 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.
  
  After receiving the consumer's complaint and reviewing our call logs, we have confirmed that the consumer has spoken with our organization previously. Per Ad Astra's policy and consumer protection laws, Ad Astra agents are required to verify who they are speaking with before disclosing any personal information.
  
  According to our records, our office sent a validation letter to the consumer for this account on August 17, 2020. 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 to the consumer a debt validation, and our response will include a copy of their validation letter.
  
  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. Our client confirmed the accuracy of the information as well as the amount owed for the account. 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 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 ********************.
  
  
  Consumer Response /* (3000, 7, 2022/10/03) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  No letter was received from the business - there is no record of it in USP informed delivery nor did I physically receive the letter in my mail box.
  
  As for verifying who they are speaking to - demanding a person verify their birthdate without explaining why or stating the reason when asked by the person answering the phone will always result in automatic denial due to the number of telephone scams doing the exact same thing.
  
  Stating the exact purpose of the call, especially when asked "For what purpose?" or anything similar is a better practice and will usually result in a more pleasant interaction
  
  
  Business Response /* (4000, 9, 2022/10/07) */
  Per Ad Astra's policy and consumer protection laws, Ad Astra agents are required to verify who they are speaking with before disclosing any personal information. The validation requested by the consumer, being the loan documents, e-sign disclosures, and pay history, were mailed via certified mail on September 27, 2022, in response to their BBB complaint *********. According to the tracking number, ******************** at www.usps.com/tracking the envelope was delivered to the consumer on October 4, 2022.

• Initial Complaint

  Date:09/16/2022

  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.

  This company took money out of my business checking account as an automatic debit. When I called them they were unable to find this charge despite having my name, the bank information, the last 4 of my social and the amount and date/time of the transaction. I now have to close a business account which will be a huge undertaking. I want to be reimbursed the money. If I don't hear back in the next 5 days I will be having my attorney contact the business.
  

  Business Response

  Date: 11/28/2022

  Business Response /* (1000, 5, 2022/09/27) */
  After receiving Ms. *********** complaint, we completed a thorough review of our records and any relation they may have with the complaint received. Ad Astra could not locate any records with the information provided by Ms. *********. If Ms. ********* could provide us with more information or a copy of the transaction from her bank we will investigate this further. Our mailing address is ******************* **************** ***************** and our fax number is ************.
  
  
  Consumer Response /* (3000, 7, 2022/09/27) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I have emailed the documents as asked, however, this is completely unnaceptable. You are a collections agency and you withdrew money from my account. The fact that you can't find me in your system is no excuse and is completely innapropriate. I have given you all of my information including name, dob, address, social security number and the last four digist of my bank account number. How do you take money out of someones account without any record and why is it my problem to fix??
  
  
  Business Response /* (4000, 9, 2022/10/06) */
  In response to Ms. *********** complaint Ad Astra has conducted an investigation into the alleged debit that she has attributed to our organization. Using all of the information supplied to us, which includes the amount of the charge, Ms. *********** banking details, and the bank statement supplied to our office, we have been unable to find any records matching the transaction at issue. Specifically, we have been unable to locate a transaction initiated by our office in the amount claimed by Ms. ********* occurring on or about September 6, 2022 which is related to Ms. ********** banking details. At this time, it would seem that the withdrawal which is the subject of Ms. *********** complaint was likely initiated by a different company operating under the name "Ad Astra". We would encourage Ms. ********* to contact her bank in order to get more information about the transaction such as the banking details used by the party debiting her account.
  
  
  Consumer Response /* (4200, 11, 2022/10/10) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  the auto deduction just came out again. AdAstra has an autodebit on my account, coming out every month on the same day in the same amount. It is clearly AdAstra as shown on my bank statement and confirmed b by the AdAstra contact information I received from my bank based on the account that pulled from mine. Absolutely unnaceptable and I will be getting an attorney involved.
  
  
  Business Response /* (4000, 13, 2022/10/14) */
  Without any more information from either Ms. ********* or her bank, it seems likely that the withdrawal which is the subject of Ms. *********** complaint was initiated by a different company operating under the name "Ad Astra". We would encourage Ms. ********* to contact her bank in order to get more information about the transaction such as the banking details used by the party debiting her account.

• Initial Complaint

  Date:09/10/2022

  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.

  15 U.S.C 1681 section 602 (A) States that i have a right to privacy
  
  15 U.S.C 1681 section 604 (A) section 2 It also states a consumer reporting agency
  cannot furnish an account without my written instructions.
  
  15 U.S.C 1692C States that without the prior consent of the consumer given directly to
  the debt collector or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
  

  Business Response

  Date: 10/13/2022

  Business Response /* (1000, 8, 2022/09/16) */
  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 November 25, 2016, 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.
  According to our records, our office sent a validation letter to the consumer for this account on November 28, 2016. 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. In response to this complaint, our office will provide to the consumer debt validation and our response will include a copy of their validation letter.
  
  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 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.
  
  The validation requested by the consumer, being the loan documents and pay history, were mailed via certified mail on June 25, 2021, in response to their CFPB complaint **************. According to the tracking number, ******************** at www.usps.com/tracking a notice was left on June 28, 2021, because no authorized recipient was available to sign for it. On July 15, 2021, the U.S.P.S. office returned the mail back to the original sender. 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:08/31/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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 not have a contract with **********. they do not provide me with the orginial application like i asked.
  

  Business Response

  Date: 09/30/2022

  Business Response /* (1000, 5, 2022/09/02) */
  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 10, 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, nor has ownership of the account changed.
  
  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.
  
  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 /* (2000, 7, 2022/09/02) */
  (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  Date:08/29/2022

  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 w/ AD ASTRA RECOVERY I have requested on several occasions for verification of this account per the account that is being reported showing that the balance is over **** due for a possible loan of *** which is totally illegal
  

  Business Response

  Date: 09/30/2022

  Business Response /* (1000, 5, 2022/09/06) */
  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 25, 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 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 disputes.
  
  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. Our client confirmed the accuracy of the information as well as the amount owed for the account. 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 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:08/15/2022

  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 not have a contract with AD astra recovery services. They did not provide me with the original application like I asked.
  

  Business Response

  Date: 09/19/2022

  Business Response /* (1000, 6, 2022/08/23) */
  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 1, 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 Recovery Services, Inc. pursuant to the contract the consumer signed with our client. Following a review of the consumer's complaint, Ad Astra could not find any instance of failing to provide validation or any other information to the consumer. 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:08/15/2022

  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.

  They are trying to collect a loan debt for a company I have never received a loan from (**********).
  

  Business Response

  Date: 09/19/2022

  Business Response /* (1000, 8, 2022/08/29) */
  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 January 20, 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.
  
  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. During this communication, the consumer expressed their desire to establish a formal payment arrangement on their account. 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. 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.
  
  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. To date, we have not received sufficient documents supporting the consumer's claim of fraud.
  
  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 ********************.
  
  If the consumer still believes this to be illegitimate after reviewing the loan documents, they may fill out the complaint form on the FTC website https://www.identitytheft.gov/ and send us a copy with the reference number. We will also accept a copy of a police report concerning the incident, a letter from our client requesting the accounts be sent back to them, or a signed affidavit of ID theft or fraudulent account. It may also be advantageous for the consumer to place a fraud alert on their credit reports. We are including the following contact information for the three largest credit reporting agencies.
  
  TransUnion:
  1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790
  Equifax:
  1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241
  Experian:
  1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9554, Allen, TX 75013

• Initial Complaint

  Date:08/07/2022

  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 and do not have a contract with AD ASTRA REC. They do not provide me with the original application like I asked.
  

  Business Response

  Date: 09/13/2022

  Business Response /* (1000, 5, 2022/08/18) */
  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 November 27, 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.
  
  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. During this communication, the consumer expressed their desire to establish a formal payment arrangement on their account.
  
  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 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:08/04/2022

  Type:Service or Repair 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.

  On May 24, 2022, AD Astra Recovery Services received my certified letter requesting validation of an
  account they are attempting to collect on account ***********. I disputed this debt after discovering
  them on my credit report. I do not have any obligation to the debt collector. I never received any
  written notification of the debt. I had no prior knowledge of them. Nor have I purchased anything from
  them. As of today, they have not replied to my request for verification of the aforementioned account.
  Under ***** Consumer Law, where a consumer has disputed the accuracy of an account in writing to a
  third-party debt-collector, the debt-collector is mandated to send a letter in writing to the consumer
  within 30 days either: (1) Denying the inaccuracy of the account; (2) Admitting the inaccuracy; or (3)
  Stating that the third-party collector has not had adequate time to investigate the inaccuracy. (See
  ***** Finance Code 392.202(a)- (e)). There is no evidence the debt collector complied within the
  specified time frame. May the debt collector be reminded that any information and documentation
  presented at this point is too little too late. They have already violated my consumer rights. I am
  making every effort to resolve this matter without presenting a case before a courtroom jury in my
  community. I am respectfully requesting the collector remove the invalidated account from my credit
  report.
  

  Business Response

  Date: 09/09/2022

  Business Response /* (1000, 8, 2022/08/16) */
  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 April 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.
  
  The consumer's loan originated online on December 11, 2017, 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 contract the consumer signed with our client.
  
  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 one request for validation via certified mail on May 26, 2022, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly on May 27, 2022. 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 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 ********************