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Business Profile

Collections Agencies

Ability Recovery Services LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Ability Recovery Services LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 454 total complaints in the last 3 years.
    • 129 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/16/2024

      Type:Billing Issues
      Status:
      Answered
      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 never heard of this credit collection until it showed up on credit report. Never knew I owed anything.

      Business Response

      Date: 01/19/2024

      DUPLICATE TO ********

      Business Response

      Date: 01/22/2024

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 55% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 01/22/2024

      This is not a itemized bill from original creditor This is from the collection agency that is trying to scan

    • Initial Complaint

      Date:01/07/2024

      Type:Billing Issues
      Status:
      Answered
      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 notification from Ability Recovery Services for a debt of $985 to which I had no knowledge of and have never received a validation letter or a notification that they had this debt against me that they claim I owe but I do not owe . I was trying to buy a home and now thanks to them that will not be over a false debt they are claiming I owe with no proof , validation or notification . They violated many laws in doing so .

      Business Response

      Date: 01/11/2024

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 60% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you 

      Customer Answer

      Date: 01/18/2024

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: ********

      I am rejecting this response because:
      The information for Address , phone number are incorrect and there is no proof that is my actual debt other than they claim it is . I had this removed once already and they placed it back on to my credit which is causing my hardship to provide my family with a permanent home 

      Regards,

      *************************

    • Initial Complaint

      Date:01/01/2024

      Type:Order Issues
      Status:
      Answered
      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 a liable of this debt of this company collection ABILITY RECOVERY SERVI they have my name wrong and also my date of birth. I don't have a contract with this company. I have not been to this company

      Business Response

      Date: 01/09/2024

      Consumer should be advised that these matters have been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find Itemized Bills for Consumer's review.  Our client is offering a 50% discount with deletion for bother matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:12/31/2023

      Type:Billing Issues
      Status:
      Answered
      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 no knowledge of this collection and I demand this collection be removed.this is a fraudulent accusation and refuse to have this on my credit history for a collection I did not create.

      Business Response

      Date: 01/10/2024

      Consumer should be advised that these matters have been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find copies of the Itemized Bills for these matters.  Our client is offering a 35% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving these matters.  Thank you

    • Initial Complaint

      Date:12/31/2023

      Type:Order Issues
      Status:
      Answered
      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 ****** ******************************* I do not have a contract with Ability Recovery Service and I have filed for medical financial assistance before it has been reported.

      Customer Answer

      Date: 01/03/2024

      I was unable to get a proof of contract from ability recovery service as they are difficult to work with and have years of bad reputation amongst the community and has been sued numerous times for their negligence.

      Business Response

      Date: 01/16/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill for Consumer's review.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:12/28/2023

      Type:Customer Service Issues
      Status:
      Resolved
      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.
      Ability Recovery Services flagged my credit score account as of today, 12-22-23, as collections. I have no unpaid medical bills. Everything is filed with Alabama State ********* If this is not removed from my account, I will take further action against this company.

      Business Response

      Date: 01/08/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, ***********************, a medical debt buyer, in the collection of their outstanding medical debt.  Attached is a copy of the Itemized Bill for Consumer's review.  Our client is offering a 40% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 01/09/2024

      I have had Alabama State ******** for insurance since the year 2016. I currently still have the same ************* ********. The ** at the ******************** Hospital in *****, ** is supposed to file with the ************* ******** and they have to code it correctly for ******** to accept payment. There is Workmans comp showing on an older insurance that is no longer active. Any claims have to be coded as such due to the workmans comp claim to show that the older insurance is no longer active, and the only active insurance that I have is ************* ********. This has to be coded correctly, and ******** will accept payment and I will not owe $505.00. That is why I went to the ** because they accept ********. The hospital did not have a claims medical coder at that time that knew how to code this correctly. ******** has never rejected a claim. This has to be fixed. I do not owe $505. ******** will pay it if coded correctly. 

      Customer Answer

      Date: 01/09/2024

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: ********

      I am rejecting this response because:

      I will call Ability Recovery Services on Thursday, 1-11-2024 to see if I can pay amount at a 60% discount, totaling $200 payment in full on 1-11-2024, and that it is also removed off from my credit, and I will not owe any remainder. This is due because I contacted the collection agency and also contacted ******** and ******** only pays services up to a year - not 6 years ago. This is at no fault of mine. The claim was not filed correctly to override an open workers comp claim. And I no longer live at the address the collection agency said they had mailed several letters to. So I was never contacted and was never aware of this matter; otherwise it would have been handled with me contacting ******** or the on-call physician’s medical billing office to have them code the claim to override the open workers comp claim so that ******** would accept the claim to make payment rather than rejecting the claim. I am low income, and I do not have this kind of money and also caring for 2 children all on my own. So again, I am at no fault, but this will put me in a really hardship financially and is very upsetting. Please accept my offer in this response. Thank you. - ***********************

      Regards,

      ***********************

      Business Response

      Date: 01/10/2024

      Our client has countered with a 50% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 01/18/2024

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: ********

      I am rejecting this response because: I called on 1-11-2024 with an offered amount to pay off the debt at $250. This payment of $250 will also remove the negative mark off of my credit report. I have paid $175, and setup an auto payment of the remainder $75 to be paid on 1-31-2024. 
      I have not been successful in reaching anyone at Alabama ********* I have called, left voicemails, and an email asking for a letter stating I had Alabama ******** in 2018-2019. This on-call physicians bill of $505 is separate from the hospital bill where I was treated for sickness in 2018. The hospital bill was paid by Alabama ********. Had the on-call physicians medical billers coded this claim correctly to Alabama ********, then it would have been accepted and paid by Alabama ********* And it shows I had Alabama ******** in 2018 with the hospital bill being paid by Alabama ******** where this physician treated me in 2018. I still have Alabama ******** in 2024. 
      But you got your money. A low income mom paid the bill when the physician's medical billing employees failed to do their job correctly.
      Now, remove this negative mark off of my credit report. Per the Fair Credit Reporting. 

      Regards,

      ***********************

      Business Response

      Date: 01/29/2024

      Consumer should be advised that once this matter is paid, this matter will be removed from all credit reporting bureaus.  Thank you

      Customer Answer

      Date: 02/01/2024

      Complaint: ********

      I am rejecting this response because: 

      My account is settled. i have attached the final receipt of payment.

      Remove from credit report. 

      Regards,

      **********************

    • Initial Complaint

      Date:12/28/2023

      Type:Order Issues
      Status:
      Answered
      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 *** ********* ***** ** ****. I do not have a contract with *** ********* ***** ** ****. They did not provide me with the original contract I requested.

      Business Response

      Date: 01/05/2024

      Consumer should be advised that our client closed this matter on January 3, 2024 and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

    • Initial Complaint

      Date:12/28/2023

      Type:Customer Service Issues
      Status:
      Answered
      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 ***********************, I do not have a contract with Ability Recovery Service, they did not provide me with the original contract as I requested.

      Business Response

      Date: 01/04/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** in the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement whereby student agreed to all of the terms and conditions of same.  Our client is offering a 25% discount with deletion if paid by January 31, 2024.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank yoiu

    • Initial Complaint

      Date:12/27/2023

      Type:Billing Issues
      Status:
      Answered
      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.
      Account Number: *********** Date Opened: November 07, 2023 Account Type: Collection Status: Collection account. $1,180 past due as of December 2023. Status Updated: November 2023 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 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 which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. No credit collection shall furnish information unless it releates to crime commited in the collection stated in us statue

      Business Response

      Date: 01/08/2024

      As per our client, ***********************, this matter is still due and owing.  Our client is offering a 40% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank yoiu

    • Initial Complaint

      Date:12/26/2023

      Type:Order Issues
      Status:
      Answered
      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 ** ********* ********** ****.I do not have a contract with ABILITY RECOVERY SERVICE, they did not provide me with the original contract as requested.

      Business Response

      Date: 01/09/2024

      Consumer should be advised that these matters have been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find copies of the Itemized Bills for these matters.  Our client is Consumer may contact our office and a representative would offering discounts of 60% and 75% respectively with deletions.  Consumer could contact our office and a representative would be happy to assist Consumer in resolving these matters.  Thank you

      Customer Answer

      Date: 01/09/2024

      Hello 

      Thanks for getting back to me so quickly

      I Reviewed the attachment sent below and as you can clearly see my signature or proof of ownership is not on that document.

      Nor is my correct Address, or Correct Employer, Nothing of this attachment below indicated that the person they are trying to bill is me,

      I requested multiple times for a ordinal copy of the contract stating i am in charge or i am indeed the account holder of these charges and nothing as been sent to me.

      I request this get taken off of my credit report as you guys have also failed to properly prove this debt is actually mine.

      without a signature or any type of verification that i indeed made myself accountable for this debt it would only be right that it gets taken off my credit report.

      thank you again

      and have a great day

      Business Response

      Date: 01/17/2024

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  As per our client this matter is still due and owing.  Our client is still offering a 60% discount with deletion.  If Consumer is stating this matter ID Theft, our client will require a police report.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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