Consumer complaint received 2018-08-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (AZ)

Ad Astra has repeatedly refused to give me an itemization of an alleged debt {$1100.00} and is reporting erroneous information to the Credit Bureaus. 

In XXXX of XXXX, I saw a collection on my credit report from Ad Astra Recovery Services. It showed the original creditor was XXXX XXXX. I called XXXX XXXX to inquire about the collection. The XXXX XXXX representative stated that it was due to non-payment of my loan. I stated that the loan had been paid in full. 

I then went to the XXXX XXXX store located XXXX XXXX XXXX XXXX. XXXX XXXX office where I made the pay-off payment and the manager on duty told me that she could not talk to me because my account was in collections with Ad Astra. I then went to the XXXX XXXX on XXXX XXXX XXXX XXXX where I initially set up the account and the manager gave me a printout statement of all the payments that had been made. 

This is when I first noticed the conflicting dates and erroneous payments. I went back to the Northern address and asked them to review the footage from the night they were paid in full and I was told they can't access the footage, only if XXXX XXXX is requested by law enforcement. In XX/XX/XXXX I returned to XXXX XXXX located at XXXX XXXX XXXX again requesting a copy of my signed contract and a itemization of the alleged debt. 

They stated that they could not give me any more details because the file had been transferred to Ad Astra. I asked if they had any documentation of my payments and the manager on duty XXXX XXXX, stated that all she had in her system was a receipt dated XX/XX/XXXX to XXXX XXXX   and a receipt on XXXX to Ad Astra. 

I stated that I have never paid Ad Astra or XXXX XXXX on the XXXX of XX/XX/XXXX or in XXXX of 2018 Ironically XX/XX/XXXX is when I paid off the loan in full. XXXX also printed down a dispute letter from Ad Astra that I never received which stated that I defaulted on the loan within a month from signing up for it. 

On XX/XX/XXXX I contacted Ad Astra and told them that the loan had been paid in full at their XXXX XXXX XXXX XXXX location in XXXX of XXXX at XXXX am. The female Ad Astra representative stated that XXXX XXXX has no 24 hour locations and they don't have on record that I paid anything on the loan. 

Ad Astra contradictory statements are as follows : 1. XXXX XXXX does in fact have 24 hour branches in the XXXX area verifiable on XXXX search. 

2. I have bank statements proving XXXX XXXX withdrew regular payments from my account that conflict with XXXX XXXX payment statements. 

3. I had no knowledge the alleged debt was sent to Ad Astra therefore I could not have paid Ad Astra, XXXX XXXX stated policy is not to discuss accounts turned over to collections. 

Please note it is possible bank fraud for XXXX XXXX to have record of an alleged payment to Ad Astra which the XXXX XXXX branch store has already submitted to me. 

I was transferred to an Ad Astra representative named XXXX. I asked about their communication with XXXX XXXX and I was told they do not call the branches directly. On the same XX/XX/XXXX phone call with XXXX I requested an itemization of the debt. 

On XX/XX/XXXX I spoke with an Ad Astra Manager who told me she had no record that I requested an itemization from XXXX who she called XXXX. She then stated she submitted my request for an itemization of the alleged debt and it would be mailed on on XX/XX/XXXX and I should receive it in 7-14 business days. 

I was not satisfied by Ad Astra handling of the matter thus far and on XX/XX/XXXX I also emailed Ad Astra President concerning this matter. As of XX/XX/XXXX I have received neither the requested itemization of the alleged debt or a response from the Ad Astra President. 

On XX/XX/XXXX I spoke with an Ad Astra representative named XXXX who said they would fax me the itemization of the debt in 24-48 hours. Ad Astra did not send the fax of the requested documentation. 

Ad Astra has failed to validate the alleged debt and is willfully reporting unverified information to the Credit Bureaus and is in violation Federal Fair Debt Collection Practices Act ( FDCPA ) and Arizona   Consumer Protection Laws.