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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:05/18/2023

      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.
      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: 05/19/2023

      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.  As per our client this matter is still due and owing.  Attached is another copy of the Enrollment Agreement and Ledger.  8% of this course was completed.  The cancellation fee is $448.40 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:05/17/2023

      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.
      Ability Recovery Services LLC 284 Main St DuPont, PA 18641-1960 Account # *********** My name is ***** ***** and I'm a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. Ability Recovery Services LLC is using extortionate means to collect on alleged debt. I do not owe that result 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 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 it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Ability Recovery Services LLC. Please be advised that providing a memorandum or other statement from your agency, stating that Ability Recovery Services LLC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. A fair resolution would be to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by Ability Recovery Services LLC.

      Business Response

      Date: 05/18/2023

      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.  There is a cancellation fee of $533.40.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:05/14/2023

      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 and do not have a contract with Ability recovery service. They did not provide with the original application like I asked.

      Business Response

      Date: 05/19/2023

      Consumer should be advised that this matter has been recalled by our client, 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:05/12/2023

      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 Ability Recovery Service and do not have a contract with Ability Recovery Service. There is no agreement that bears my signature where I agreed to pay the creditor, and, as this is a medical account, there is no copy of any HIPAA authorization. There is no copy of HIPAA release that releases my medical information to them, therefore by providing such information, they are in VIOLATION of my HIPAA rights. There is no agreement with Ability Recovery Service that grants the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES; and SEC. 13407(1) BREACH OF SECURITY. The term “breach of security” means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Enforcement of penalties against Ability Recovery Service is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. Date reported on my credit report 2-6-2023 (**********) and 2-1-2023 (******** & *******) Account number ***********. I am not sure if the listed address is correct for them because it's not in your system This is the information they have listed on my credit reports: PO BOX **** WYOMING, PA ***** 

      Business Response

      Date: 05/17/2023

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

    • Initial Complaint

      Date:05/09/2023

      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.
      This company was notified to send me an itemized report on this debt and told me they could not do that,they are also reporting the same debt more than once I want it removed next step is attorney general to deal with these scam artists

      Business Response

      Date: 05/09/2023

      Consumer should be advised that this matter was recalled by our client on 4/21/2023, closed in our office and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

      Customer Answer

      Date: 05/10/2023

      [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. 

      Regards,

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

    • Initial Complaint

      Date:05/09/2023

      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 am not liable for this debt with *********** and do not have a contract with ABILITY RECOVERY SERVI. They did not provide me with the original application like i asked

      Business Response

      Date: 05/09/2023

      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 *********** 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.  To cancel it will be a one time payment of $617.88 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: 05/09/2023

      [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:that agreement proves nothing i never lived at that address or signed any agreement with said company and if a original contract with my wet signature isn't furnished or presented to me within 30 days i will be taking legal action against ability recovery services under fcra as follows 
      As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. And if you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

      Regards,

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

      Business Response

      Date: 05/19/2023

      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.  Your electronic signature along with Consumer's initials.  Our client has a cancellation of $617.88 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: 05/19/2023

      [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:not my debt and company is still trying to harass me to convince me to pay a balance that im not responsible for

      Regards,

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

      Business Response

      Date: 06/01/2023

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

      Customer Answer

      Date: 06/05/2023

      [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,

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

    • Initial Complaint

      Date:05/08/2023

      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 have attempted, on several occasions, to settle a debt with Ability Recovery Services. Ive requested all communication be limited to mail only, for my records, but these representatives continue to call me. They have refused to provide me with settlement options in response to the letters I have sent them.

      Business Response

      Date: 05/10/2023

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.  This matter is also placed in a mail only status.  As per Consumer's request attached please find a copy of the Settlement Letter for your review.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 05/11/2023

      [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,

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

    • Initial Complaint

      Date:05/08/2023

      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 (Original Creditor: ****** ********** ** ****) Account number: **********Balance: $517 Date Opened: 03/09/2023 I received a notice that I have a collection from ABILITY RECOVERY SERVI on my credit report. It says it was opened on 03/09/2023 for balance of $517.00 with account number starting in ********* that I am not aware of nor I am responsible for. I never went into business with this company or signed agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed ASAP or I will file a CFPB and FTC report.

      Business Response

      Date: 05/12/2023

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

    • Initial Complaint

      Date:05/02/2023

      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 is on my credit report for an old debt. Called the company back in February 2023, settled on the payment and paid the same day. I was then told that I would receive a letter from them in the mail and that the debt would be cleared off my credit report within 30 days. When I call I get nothing but attitude and hung up on. The debt is still on my report and has been paid since February of this year.

      Business Response

      Date: 05/03/2023

      Consumer should be advised we have performed another immediate deletion from all bureaus.  See attached.  Please allow 7 days for all bureaus to update.  Thanks

    • Initial Complaint

      Date:04/25/2023

      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.
      I am not liable for the debt with ABILITY RECOVERY SERVICE. I do not have a contract with ** ****************************. You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person. They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well, they are in major violation.

      Business Response

      Date: 05/04/2023

      Consumer should be advised that this matter has been closed and removed from all credit reporting bureaus.  Please allow 7 days for all bureaus to update.  Than you

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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