Ad Astra Recovery Services Inc

CFPB Consumer Complaint Profile

1,942
Total Complaints
0
Last 12 Months
100%
Timely Response
42
States Affected
Ad Astra Recovery Services Inc timely response rate 100.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Payday loan debt 522
Debt collection — I do not know 507
Debt collection — Payday loan 258
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 206
Debt collection — Other debt 176
Payday loan, title loan, or personal loan — Payday loan 95
Debt collection — Other (i.e. phone, health club, etc.) 72
Payday loan 56
Credit reporting 10
Debt collection — Credit card debt 10

Top Issues

1.Attempts to collect debt not owed 536
2.Written notification about debt 333
3.Cont'd attempts collect debt not owed 220
4.Incorrect information on your report 173
5.Disclosure verification of debt 142
6.False statements or representation 97
7.Took or threatened to take negative or legal action 87
8.Communication tactics 82
9.Problem with a credit reporting company's investigation into an existing problem 61
10.Taking/threatening an illegal action 23

Complaints by Year

Year Complaints
2013 21
2014 61
2015 101
2016 191
2017 568
2018 444
2019 336
2020 220

Complaints by State (Top 15)

Texas 821
California 392
Nevada 75
Louisiana 74
Tennessee 70
Missouri 59
Alabama 55
Arizona 44
Illinois 42
Colorado 36
Ohio 34
Kansas 26
Wisconsin 21
Virginia 20
Mississippi 18

Company Responses

Closed with explanation 1,929
Closed with non-monetary relief 10
Closed with monetary relief 3

What the CFPB Complaint Record Shows for Ad Astra Recovery Services Inc

The CFPB Consumer Complaint Database has logged 1,942 complaints against Ad Astra Recovery Services Inc overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 42 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Ad Astra Recovery Services Inc's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 30.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0.7% closed with some form of monetary or non-monetary relief to the consumer.

Complaint counts alone do not tell the full story — larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does Ad Astra Recovery Services Inc have?

Ad Astra Recovery Services Inc has 1,942 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.

Does Ad Astra Recovery Services Inc respond to complaints on time?

Ad Astra Recovery Services Inc has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Ad Astra Recovery Services Inc?

The most complained-about product for Ad Astra Recovery Services Inc is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Ad Astra Recovery Services Inc?

The most common issue reported by consumers about Ad Astra Recovery Services Inc is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Ad Astra Recovery Services Inc?

You can file a complaint against Ad Astra Recovery Services Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about Ad Astra Recovery Services Inc?

Consumers in 42 states and territories have filed complaints about Ad Astra Recovery Services Inc with the CFPB.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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