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:07/30/2022

  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.

  I am Not Liable for this debt with AD Astra Recovery, and do NOT have a Signed Contract with them.
  In Accordance with the Fair Credit Reporting Act (FCRA). AD Astra Recovery, Has Violated my Federally Protected Consumer Right to PRIVACY and CONFIDENTIALITY under 15 U.S.C 1681.
  Account #*******
  15 U.S.C 1681 section 602 A. States I consumer have the right to PRIVACY.
  15 U.S.C 1861 section 604A section 2: It States, A consumer reporting agency cannot furnish an account WITHOUT my Written Instructions. (a) In General, any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. States under the Federal Law. They DO NOT have my written instructions to report on my Credit report.
  15 U.S.C 1681c. (a)(5) section states: NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than Records of convictions of crimes.
  AD Astra Recovery is in direct VIOLATION of my Consumer rights, as they reported on my credit report and violated these LAWS.
  According to the (FCRA) under
  15 U.S.C 1681n. Section (1)(a) States I the consumer can seek $1000 per Violation.
  At This Time I want this Account be DELETED from my Credit report IMMEDIATELY.
  

  Business Response

  Date: 09/09/2022

  Business Response /* (1000, 7, 2022/08/12) */
  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 June 13, 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.
  
  Ad Astra's records indicate that consistent and accurate information has been reported to all credit reporting agencies to which it reports each month, and if the consumer has a complaint related to a different party's actions or practices over which Ad Astra has no control, we would encourage the consumer to direct them to the appropriate parties. Ad Astra has reported the consumer's past due obligation consistently since September 1, 2020. 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.
  
  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. 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:07/29/2022

  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.

  15 U.S.C. § 1681 section 602 A. States I Have The Right To Privacy
  
  15 U.S.C. § 1681 section 604 A Section. It also state a consumer reporting agency cannot furnish a account without my written instructions
  
  15 U.S.C. § 1692C Without the prior consent of the consumer given directly to the debt collector or the 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
  
  15 U.S. Code § 1692b not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
  

  Business Response

  Date: 08/22/2022

  Business Response /* (1000, 8, 2022/08/11) */
  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 January 12, 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.
  
  The consumer has sent multiple requests for validation via eOscar, and pursuant to the Fair Debt Collection Practices Act, we responded accordingly 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.
  
  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. 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 these debts, we have obtained a copy of the original contracts, e-sign disclosures and payment history of this 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:07/26/2022

  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 **********. They did not provide me with original application that i asked.
  

  Business Response

  Date: 08/16/2022

  Business Response /* (1000, 5, 2022/08/03) */
  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 30, 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 by 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, and it was not purchased, nor has ownership of the account 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.
  
  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 failed attempts to contact the consumer to negotiate arrangements regarding his past due obligation, his account was forwarded to our attorney's office *********************, on April 12, 2019. If the consumer has any further questions, they should be directed to *********************, and they can be reached at ************. Should the consumer feel he was not properly notified of the lawsuit filed against them, we would strongly encourage them to contact our attorney's office and the court that had jurisdiction over their case. While our office is represented by *********************** office, the consumer's account remains with our office and is currently being serviced by Ad Astra Recovery Services, Inc.
  
  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 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.
  
  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:07/26/2022

  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 viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.
  
  These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate:
  
  Alleged Creditor: AD ASTRA RECOVERY SERV
  Alleged Original Creditor Account: ********************
  Debt Collector's Account Number: ******
  Alleged Debt Amount or Balance: $******
  
  Cc: Consumer Financial Protection Bureau
  P.O. BOX 4503
  IOWA CITY, IOWA 52244
  
  Cc: FEDERAL TRADE COMMISSION
  600 PENNSYLVANIA AVE NW
  WASHINGTON, DC 20580
  

  Business Response

  Date: 08/19/2022

  Business Response /* (1000, 5, 2022/08/03) */
  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 March 16, 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 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.
  
  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, and it was not purchased nor has ownership of the account changed. Moreover, we have no record from our client that might indicate that the consumer's contract was "canceled," and if they would provide documentation of this, we would gladly investigate the matter further.
  
  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.
  
  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:07/20/2022

  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.

  On August 5, 2021. AD Astra received my certified letter requesting validation of the account number listed as ***********. As of today, they have not responded to my request for validation. Under the ***** 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. As of today, I have not received the collector's reply. And at this point, they are in violation of state consumer law392.202(a)(e). Also, I have already suffered statutory and actual damages resulting from the collector's willful negligence. I am respectfully requesting the invalidated account be removed from my credit reports at once. I am making every effort to resolve this matter without presenting my case before a courtroom jury. I appreciate your time and attention to this matter.
  

  Business Response

  Date: 08/15/2022

  Business Response /* (1000, 5, 2022/07/27) */
  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 March 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.
  
  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. 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 indirect disputes and were responded to via the internet. The consumer has also sent one request for validation via certified mail. The most recent letter was received on August 5, 2021, and we responded accordingly on August 9, 2021 . 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.
  
  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.
  
  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:07/19/2022

  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 am not liable for this debt with ***************** and I do not have a contract with AD ASTRA RECOVERY SERVIC plus they did not provide me with the original application like I asked.
  Account No: *******
  Amount Disputed: $***
  
  
  I am not liable for this debt with ***************** and I do not have a contract with AD ASTRA RECOVERY SERVIC plus they did not provide me with the original application like I asked.
  Account No: *******
  Amount Disputed: $*****
  

  Business Response

  Date: 08/15/2022

  Business Response /* (1000, 5, 2022/07/25) */
  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 accounts on July 14, 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 accounts, validation letters were mailed to the address we had on file from our client.
  
  It is important to note that the consumer's accounts were assigned to Ad Astra pursuant to the contracts the consumer signed with our client. 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 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 accounts 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 accounts. 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 accounts be reported with consumer reporting agencies as disputed.
  
  In an attempt to help the consumer determine the legitimacy of these debts, we have obtained copies of the original contracts and pay history of these loans 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 ********************.