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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

    • 452 total complaints in the last 3 years.
    • 125 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/26/2023

      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 Services, they did not provide me with the original contract as I requested.

      Customer Answer

      Date: 08/07/2023

      This is the original cancellation notice given to the company before they transferred my debt. Their website as well as their assistance line clearly states you may cancel the program and forfeit  your non refundable fee. 

      Business Response

      Date: 08/09/2023

      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 Consumer agreed to all of the terms and conditions of same.  There was 13% completed.  Our client is offering a cancel fee of $573.50 with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:07/22/2023

      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. In addition to these facts, Ability Recovery Service did not provide me with the original contract as requested.

      Customer Answer

      Date: 07/24/2023

      Good morning. I phoned the number provided and requested it on 7/16/23 and was assured it would be emailed to me. However, I have not received it. Each time I have called following this request, I have not been provided with the original document. This is a collection agency. Therefore, they will NEVER have the original document. Please assist me in deleting this from my credit report. Thanks. 

      Business Response

      Date: 08/08/2023

      Consumer should be advised that this matter has been closed in our office and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

    • Initial Complaint

      Date:07/20/2023

      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'm not liable for this debt with ************ ********* *******. I do not have contract with Ability Recovery Service Llc. They did not provided me with the original contract I was requested. Reviewed and was recorded on 5/11/2023 ***-***** by ***********  ************ Member ID ***********

      Business Response

      Date: 07/27/2023

      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 30% 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

    • Initial Complaint

      Date:07/18/2023

      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.
      FIRST I WOULD LIKE TO THANK THE BBB FOR REQUESTING MY CONSENT BECAUSE OF HIPAA VIOLATIONS ON THIS MEDICAL COLLECTION. ABILITY RECOVERY SERVICES NEVER GOT MY CONSENT OR ******** ********* *********. THIS ACCOUNT IS REPORTING AS A RESULT OF IDENTITY THEFT BY ALL PARTIES. ABILITY RECOVERY IS REPORTING TWO ACCOUNTS ON MY CREDIT REPORT THAT THEY HAVE FAILED TO VALIDATE PER FDCPA 809. THEY ARE ALSO IN VIOLATION OF FDCPA 805 AND 807. I WILL BE REACHING OUT TO LOCAL CIVIL RIGHTS ACTIVIST IN MY LOCAL CHAPTER TO DETERMINE THE BEST WAY TO HANDLE THE HIPAA VIOLATION AS THIS IS BECOMING AN INCREASINGLY HORRIBLE TREND AMONG BIG COMPANIES. ACCOUNT NUMBERS ****** AND ****** I HAVE REACHED OUT TO THIS COMPANY NUMEROUS TIMES. THEY WILL DELETE THE ACCOUNT AND REINSERT VIOLATING THE FCRA. THIS COLLECTION HAS BEEN PASSED AROUND TO AT LEAST 5 DIFFERENT COLLECTION AGENCIES AND I WOULD LIKE TO VIEW THE CHAIN OF COMMAND OF DOCUMENTS TO ENSURE EVERYTHING IS REPORTING ACCURATELY.

      Business Response

      Date: 07/24/2023

      Consumer should be advised that these matters have been placed in a properly disputed status.  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.  ID # ******* $690.00 has been disputed with credit reporting bureaus.  Our client is offering a 65% discount with deletion.  ID # ******* has been disputed with credit reporting bureaus.  Our client is offering a  65% discount with deletion.  ID # ******** the balance of the Itemized Bills our client is offering a 75% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving these matters.  Thank you  .  

    • Initial Complaint

      Date:07/17/2023

      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 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: 07/24/2023

      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 for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:07/16/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 idea what this is I have never been contacted or have done any buisness with this account. Please remove from my credit report I have began to contact all bureaus on last week due to some accounts that have been reported open without my authorization please research and remove this from my account and association

    • Initial Complaint

      Date:07/15/2023

      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 am not liable for this debt with ******** ********************* I do not have a contract with Ability Recovery Services they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/24/2023

      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.  Our client is offering a 65% 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

    • Initial Complaint

      Date:07/15/2023

      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.
      ABILITY RECOVERY SERVI is falsely reporting on my credit. I have never had a account with them. Per my research ABILITY RECOVERY SERVI is a Debt Collector. They are falsely reporting to my credit . These are the accounts : # *********** are falsey reporting to my credit file and against my rights and credit act. Under 15 U.S. Code § 1681d – Disclosure of investigative consumer is a violation. I have attached a definition so you can see the violation! (a)Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless— (1)it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure (A) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I request to provided proof of this alleged item. Specifically the original application, contract or note bearing my signature with ABILITY RECOVERY SERVI. Failing that, the items must be deleted from my credit report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Please have the creditor provide the validation documents to the BBB as well as certified mail to me. Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance. I will also be seeking $1,000 per violation for: 1.) Defamation 2.) Negligent Enablement of Identity Fraud 3.) Violations of 15 U.S.C 1692g Please have the creditor provide the validation documents to the BBB as well as certified mail to me. Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance.

      Business Response

      Date: 07/19/2023

      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 Consumer agreed to all of the terms and conditions of same.  Our client is offering a cancel fee of $603.48 with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Than you.

      Customer Answer

      Date: 07/25/2023

      Please be aware that all negative remarks found on my report is a violation of the FCRA and FDCAP when you can not furnish the validity of the remark. 

      I am not in dispute of the ownership of the account but if you not able to provide the full reports of how you validated verified and how you in compliance then you must remove it from my credit report 

      I will also be seeking $1,000 per violation for: 1.) Defamation 2.) Negligent Enablement of Identity Fraud 3.) Violations of 15 U.S.C 1692g Please have the creditor provide the validation documents to the BBB as well as certified mail to me. Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance.

      Customer Answer

      Date: 07/25/2023

      [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:

      Please be aware that all negative remarks found on my report is a violation of the FCRA and FDCAP when you can not furnish the validity of the remark. 

      I am not in dispute of the ownership of the account but if you not able to provide the full reports of how you validated verified and how you in compliance then you must remove it from my credit report 

      I will also be seeking $1,000 per violation for: 1.) Defamation 2.) Negligent Enablement of Identity Fraud 3.) Violations of 15 U.S.C 1692g Please have the creditor provide the validation documents to the BBB as well as certified mail to me. Its extremely important that the creditor provide the documents to BBB to ensure fairness and that they are not brushing me off. Thank you for your assistance.

      Regards,

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

      Business Response

      Date: 07/26/2023

      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 *********** in the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.  Our client has advised that this matter is still due and owing.  7.7% Completed.  To cancel: $603.48.  To continue with a 20% discount $1,317.26.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 07/27/2023

      [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:

      Regards,

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

    • Initial Complaint

      Date:07/15/2023

      Type:Service or Repair 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 would appreciate if I could get this account removed. I have tried to have them send me any information regarding this account to verify it is mine. Due to I have no knowledge of this account nor did I submit myself to any hospital at the time they are reporting on my credit report. I have also called the ********* ********* ***** pl. and they have no account or information regarding any debt at all.

      Business Response

      Date: 07/21/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Service 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 this matter.  Our client is offering a 65% 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

    • Initial Complaint

      Date:07/13/2023

      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 am not liable for this debt with ***********, I do not have a contract with Ability Recovery Service, nor did they provide me with the original contract as I requested.

      Business Response

      Date: 07/17/2023

      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 herewith please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.  As per our client this course has been 34.9% completed.  To cancel this matter will be $1,024.30.  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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