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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

    • 453 total complaints in the last 3 years.
    • 126 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:06/20/2023

      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'm not liable for this debt with ***********************. I don't have a contract with ABILITY RECOVERY SERVICES, They did not provide me with the original contract as requested.

      Business Response

      Date: 06/28/2023

      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 and Ledger for Consumer's review.  Our client is offering a 30% discount with deletion for this matter.  As per our client the balance is the result of funds that were returned once the student was withdrawn from the university as well as one subscription where no payment or financial aid was received.  The student earned a total of 25 credits during 11 subscriptions attended.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 06/28/2023

      [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: 

      The school wouldn't allow me to attend without paying the $1,800. I wanted to pay the $1,800 in payments because I only had 2 -3 courses left to graduate. 

      When I couldn't come up with the $1,800 in full, they reversed the financial aid, amounts I never owed while I was still a student. I would love the chance to pay the $1,800 in payments because that was the real amount I owed. The only amount that was due.

      Regards,

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

    • Initial Complaint

      Date:06/20/2023

      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 Abiility Recovery Services. I do not have a contract with Abiility Recovery Services. They did not provide me with the original contract as I requested.

      Business Response

      Date: 06/22/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Attached please find a copy of the Ledger showing balance due of $97.00 plus $18.92 in collection fees totaling $115.92,  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:06/19/2023

      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 the 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: 06/23/2023

      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 and Ledger whereby Consumer agreed to all of the terms and conditions of same.  Our client is offering a 45% 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: 06/24/2023

      [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:
      I do not have any agreement with  the third party ******* **********************. 

      Regards,

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

      Business Response

      Date: 06/28/2023

      Once again, 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 licensed third party collection agency representing our client *********************** in the collection of their outstanding student debt.  Attached please find the Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same.  Our client is still offering a 45% discount with deletion for this matter.  As per our client, this matter is still due and owing.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:06/13/2023

      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 ** ************************, I do not have a contract Ability Recovery Services LLC, they did not provide me with the original contract as I requested.

      Business Response

      Date: 06/14/2023

      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 advised that this matter is 31.9% completed.  To cancel this course the fee is $444.50 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:06/11/2023

      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 services made a derogatory account appear on my credit. Never heard from them until after the account was derogatory. When they called they were so rude, screamed at me and proceeded to hang up. Then kept calling and being rude and screaming at me every time.

      Business Response

      Date: 06/14/2023

      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 20% 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 (Note: all recordings for this matter have been forwarded to our Compliance Dept.)

    • Initial Complaint

      Date:06/07/2023

      Type:Billing 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 Is in violation of falsely reporting this alleged account to the credit bureaus, ********, **********, and *******. This violates my consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions and consent. 15 U.S.C 1681c. (a)(5) Section States: no consumer report agency may make any consumer report containing any of the following item of information. any adverse item of information, other than records of convictions of crimes which antedates the report than seven years. Howbeit this is being report under such violations. I sent validation of debt letter concerning this allege debt 5/16/2023 requiring that validity of a binding contract/agreement with my signature constituting payment to Ability Recovery Services, to which no documentations of such was provided. 5/23/2023 I received a bill summary containing personal information that violates my HIPPA rights of privacy medical information. Such summary included: Diagnosis Codes, Procedure/Service (CPT CODE/MODIFERS), PRIMARY INSURANCE INFORMATION, and Rendering Doctor's Name. I did not sign a HIPPA RELEASE form with this creditor and demand resolve, as this is a legal matter! Lastly, per code 15 U.S. Code § 1605, the finance charge is an INSURANCE that protects the lender in the event that the obligor defaults. The payment status of this account is in default, meaning INSURANCE money was received. This account was illegally listed on my report as a collection/charge off. According to the IRS any amount over 600 dollars, where a creditor cancels a debt, a 1099c form must be sent to the obligor or consumer. I never received my 1099c for this canceled debt. The IRS identifies charge offs or canceled debt as GROSS or income, which does not get report. THIS IS TAX FRAUD, Delete this account Immediately!

      Business Response

      Date: 06/09/2023

      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 75% 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: 06/10/2023

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Disclaimer: I am not accepting this alleged debt as ownership but is willing to accept the settlement of 75% discount as a resolution. Be advised I'm requesting this agreement of settlement of 75% discount and deletion be email to ****************** or mailed in letter, to address: ***********************************************************Hobbs, New Mexico, ************. Any misrepresentation of this agreement will result in pursue of legal actions and complaint submission to CFPB, FTC, and Attorney General. Upon receiving of payment, immediately delete this account from all bureaus: **********, *******, And ********. Cease and desist all reporting as an requirement in this agreement.

      Regards,

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

    • Initial Complaint

      Date:06/07/2023

      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.
      Ability Recovery Services has been continuously affecting my credit causing it do drop in points. I've never heard of this company and do not recall owing them or making any kind of business arrangements with them. I need to get them off my credit report

      Business Response

      Date: 06/08/2023

      Unable to locate debtor in our database.  We require additional information.  Date of Birth or address.  Thank you

    • Initial Complaint

      Date:06/07/2023

      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 Services LLC 284 Main St, DuPont, PA 18641-1960 Account #: **********Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Ability Recovery Services LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act (F.D.C.P.A.), 15 U.S.C. 1692 (G) Section 809 (B). This notice states that your claim is disputed and validation of the account is required: * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING: REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $9-210. This authenticated record must include all tax filings (including all 1099's, 1096's, and 1098's) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report. 15 U.S. Code § 1692e - False or misleading representations (10)The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. In addition please provide the contract signed between Ability Recovery Services LLC & ** ****** **********, notarized and sworn under penalty and perjury for Ability Recovery Services LLC ability to collect this alleged debt.

      Business Response

      Date: 06/15/2023

      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 and Ledger for Consumer's review.  Our client is offering a 45% discount with deletion for this matter.  NOTE:" The balance is a result of financial aid that was returned to the lender once the student was withdrawn from the **********.  While in attendance the student completed 3 competencies and earned 1.50 credits."  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:05/25/2023

      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.
      It has been about five months since the Ability Recovery LLC Collection agency reported an account under my name to the ********** Credit Bureau. The agency randomly found my personal information somewhere online and has been continually harassing me and flagging that amount to the Credit Breau. I have never used the service they are referring to, and the collection agency never provided any evidence to show the date, type of service, and the amount I was charged. Whenever I called them to ask for evidence, they threatened me with taking me to court and destroying my credit forever. I would appreciate your help in keeping this collection agency accountable to the law to stop harassing me and remove the false account from my credit report.

      Business Response

      Date: 05/30/2023

      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 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:05/24/2023

      Type:Billing 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.
      I NOTICED AN COLLECTION ACCOUNT FROM ************************ ON ALL 3 OF MY CREDIT REPORTS ON APRIL 3RD 2023 WHICH IS INACCURATE. THIS ACCOUNT WAS PAID IN FULL THRU THE SCHOOL ************************ AND KNOW MONEY WAS ISSUED OR PAID TO THIS COLLECTION AGENCY. THE SCHOOL HAD SENT OUT THIS TO COLLECTION AND SAID IT WOULD BE REMOVED FROM MY CREDIT REPORT AND THAT I HAD PAID IN FULL MY REQUIRED PAYMENT THRU THE SCHOOL NOT A COLLECTION AGENCY. I SPOKE WITH THE SCHOOL ABOUT THIS MATTER AND THEY SAID IT SHOULD BE REMOVED. THIS COLLECTION ACCOUNT NEEDS TO BE REMOVED FROM ALL 3 CREDIT REPORTS IMMEDIATLEY AS IT'S MY RIGHT UNDER THE CREDIT FAIR ACT AND IF IT ISN'T DONE I WILL REFER THIS ISSUE TO AN ATTORNEY TO HAVE THE MATTER RESOLVED IMMEDIATLEY. AS STATED NOTHING CHANGED MONEY WISE THRU THE COLLECTION AGENCY AND I DID NOT EVEN CONTACT THEM AS I KNOW THIS MATTER WAS RESOLVED THRU THE SCHOOL. THIS ISSUE WILL NEED TO BE REMOVED FROM MY CREDIT REPORTS AND NOT SHOWING AS A PAID IN FULL COLLECTION AS I PAID A COLLECTION AGENCY BECASUE THAT DIDN'T HAPPEN. PLEASE REMOVE THIS IMMEDIATLEY AS THIS HAD NOTHING TO DO WITH YOUR COLLECTION AGENCY. AS STATED IF NOT I WILL HAVE AN ATTORNEY INVOLVED AND THIS WILL GET RESOLVED DUE TO IT HURTING MY CREDIT FOR SOMETHING THE COLLECTION AGENCY WAS NOT INVOLVED IN

      Business Response

      Date: 05/25/2023

      Consumer should be advised that our office performed an immediate deletion from all credit reporting bureaus.  Please allow 7 days for all bureaus to update.  Thank you

      Customer Answer

      Date: 05/25/2023

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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