Complaints

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

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  Ability Recovery Services LLC

  284 Main St DuPont, PA 18641-1960

• 

  Ability Recovery Services LLC

  1 Montage Mountain Rd Moosic, PA 18507-1777

• 

  Ability Recovery Services LLC

  PO Box 4262 Scranton, PA 18505-6262

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.

• Initial Complaint

  Date:04/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 has reported a collection on my credit report claiming a 2/2023 orgination date. Claims creditor *** ***** is owed $1389. I have no debit with company they claim to be collecting from. They refuse to give information on company, provide verification of debit and information of dates of dates, creditor, or even account numbers. This is suspicious as it is most likely to old to be on credit report. I will file for damages to credit in small claims court if not resolved within 30 days.

  Business Response

  Date: 04/14/2023

  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 50% 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: 04/17/2023

  [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 never saw this doctor and i have insurance it would have been associated with this visit. I have contact insurance- no services related to this doctor or any associated medical office, hospitals, or clinics. Looks like someone used a name. I demand it's imediate removal or a small claims court filing for not only harassment and damage to credit. 
  
  Regards,
  
  *****************************
  

  Business Response

  Date: 04/24/2023

  Consumer should be advised that these matters have been and will remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  As per our client these matters are still due and owing and the 50% discount is still being offering.  If this is a matter of Identity Theft/Fraud, our client requires a police report.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/24/2023

  [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 am filing small claim court on may 1st. I have given you enough time to correct it. I have removed this collection once before from my credit as it was too old to be on my credit report. you have been informed and continued to report it which shows you are knowing presuing a debit that does not have to be collected. I will file for harassment in this matter as it allowed. 
  
  Regards,
  
  *****************************
  

• Initial Complaint

  Date:04/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third parties. I do not recall giving permission to ***** ***** ******** for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore my request is this account to be removed and deleted from all the credit bureaus ********, *******, **********

  Business Response

  Date: 04/10/2023

  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 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

• Initial Complaint

  Date:04/04/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 fraudulently placed 2 collections in the amount of 1587.00 on my credit report, I have never signed any type of legal contract with them, nor have I done any business with them. I have always had medical insurance, so I don't understand why they are on my credit report. I am requesting verification of Ability Recovery Services ownership to collect these 2 amounts of 1587.00. I am requesting that Ability Recovery Services provide the necessary documents to show ownership of these collections as well as itemized bills for the 2 amounts each totaling 1587.00. If they are unable to provide documentation of ownership, and billing for said amounts reaching the 2 amounts of 1587.00, by law they must be remove from all 3 credit bureaus, within the time allowed by law.

  Business Response

  Date: 04/05/2023

  Consumer should be advised that these matter have 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.  Once again, attached please find the Itemized Bills for Consumer's review.  Our client is offering a 50% discount with deletion for these matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Than you

  Customer Answer

  Date: 04/05/2023

  [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: this is NOT a detailed itemized bill for each amount totaling, $1587.00 twice I believe this is illegal and fraudulent and I am being double billed, by Ability Recovery Services as well as *********************** *** anything reported with the credit bureaus is suppose to be accurate. And neither company has any documentation with my signature for any type of service. Please remove both of these fraudulent collection accounts from all 3 credit bureaus, because your information is not accurate. Can't see paying 50% when I don't owe Ability Recovery Services, nor do I owe *********************** ***.
  
  Regards,
  
  **********************
  

  Business Response

  Date: 04/07/2023

  Consumer should be advised that these matters have been and shall remain in a properly disputed status along with credit reporting bureaus.  Consumer should be advised that each matter has different dates of Service.  One is for 11/12/2018 and 11/15/2018.  Our client is still offering 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: 04/10/2023

  [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: Again, this is NOT a detailed itemized bill for each amount totaling, $1587.00  twice I believe this is illegal and fraudulent and I am being double billed, by Ability Recovery Services as well as *************** ******* *** anything reported with the credit bureaus is suppose to be accurate. And neither company has any documentation with my signature for any type of service. Please remove both of these fraudulent collection accounts from all 3 credit bureaus, because your information is not accurate. Can't see paying 50% when I don't owe Ability Recovery Services, nor do I owe *************** ******* ***. Because you say it doesn't make it any truer will you show the itemized paperwork telling me how you arrived at a total of 1587.00 twice. Where is the breakdown for the 2 amounts? I know I have the right as a consumer to file a complaint with the  CFPB (Consumer Financial Protection Bureau) and the FTC (Federal Trade Commission) your offer is REJECTED
  

  Regards,

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

  Business Response

  Date: 04/11/2023

  Consumer should be advised that these matters have been and shall remain in a properly disputed status along with credit reporting bureaus.  As per our client these bills have two different dates of service and are still due and owing.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/12/2023

  [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: still NO paperwork I will be looking into taking these fraudulent collections to the next level, in regards to my legal rights as a consumer. I'm only asking for the original itemized bill for each item that gives the total of 1587.00 twice. Either collection should have a breakdown for the 1587.00. I shall be contacting the attorney general's office to see what my next steps will be. I am rejecting this response. Please remove both collections from my credit report. Within the time allowed by law.
  

  Regards,
  
  **********************

  Business Response

  Date: 04/13/2023

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

  Customer Answer

  Date: 04/17/2023

  [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:04/03/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Received an alert that a collections account for nearly 3k was on my credit report but I have no idea where this came from? It says it's from my college but I never re-enrolled? Received no communication from anyone prior to this just appearing on my report years after finishing college.

  Business Response

  Date: 04/05/2023

  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 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 you

  Customer Answer

  Date: 04/05/2023

  [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: There is no date on this enrollment agreement and I had student loans to cover the academic terms in which I was enrolled and successfully completed.
  
  
  Regards,
  
  *******************
  

• Initial Complaint

  Date:04/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  On March 24,2023 I got a notification from *********** that an unfamiliar company named ABILITY RECOVERY SERVICE added a collection/charge off to my credit which made my credit score sky rocket to the low 500s. I've never been contacted by this company and they never provided me an original statement for anything. NOT too long ago this same charge popped up on my credit but a company named ********** Owned it for $790 This is not my charge. This account isn't accurate at all, it says its from ******* PHYSCIANS but the information under the account is incorrect I haven't lived in Augusta  in 4 years. How can I have a new charge? PLEASE remove this from my credit report; its destroying my life and making it hard to do anything. I've never received original documentation for any services that they claimed I did..

  Business Response

  Date: 04/05/2023

  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.  Our client is offering a 50% 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:  The Date of Service was 07/03/2019.

• Initial Complaint

  Date:04/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 SENT ABILITY RECOVERY SERVICES LLC A DEBT VALIDATION LETTER ON 1/1/23 AND RECIEVED NO RESPONSE. ABILITY RECOVERY SERVICES LLC. is Committing abusive, deceptive and unfair debt collection practices by furnishing debts to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C 894 - Collection of extensions of credit by extortionate means. They have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false collections to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2(c)(1)(i), which has the same definition as 15 U.S.C 1691(d)(6), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S.C 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S.C 6801(a) of the ********************* ****** Financial Protection Act, has been violated. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These misstatements are punishable as perjury under 18 U.S.C. 1621. This item found on my credit report isn't related to any transaction that I made. I am alleging that an unauthorized person or company used my personal identifying information to apply for goods, services, or money; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

  Business Response

  Date: 04/03/2023

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

• Initial Complaint

  Date:03/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 state they received a medical debt as a 3rd party and reported on all 3 bureaus. They would not state when they received this account and when was their first initial contact to me. Reported on my reports 2/26/23. I received no docs, no records of phone calls, stated they have no documentation. Because of this filed a claim with the **** 3/28/23. Because lack of information I want removed from my credit reports immediately.

  Business Response

  Date: 04/10/2023

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

  Customer Answer

  Date: 04/11/2023

  [This account is being paid to original creditor and should not be going back to cascade per original phone call to your office. You removed from one credit bureau right away and need removed for other two as fast as you did. Your office does not read each others notes or don't take notes however please correct immediately ]
  
   Complaint: ********
  
  I am rejecting this response because:
  
  Regards,
  
  *********************************
  

  Business Response

  Date: 04/11/2023

  These matters have been closed and removed from all credit reporting bureaus on 4/10/2023.  Allow 30 days for all bureaus to update.  Thank you

• Initial Complaint

  Date:03/29/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 recently tried to complete the dispute process with Ability Recovery Services LLC. I only received ONE initial letter simply notifying me that they were now responsible for a supposed debt I owe. After receiving the letter I immediately sent a dispute letter to begin the dispute process. I hadn't received ANY form of communication and decided to call to check on the status of their response. I was met with an invective, hateful, unprofessional, and discriminatory collector that only cared to solicit information instead of answering my questions and concerns. She also nastily commented on my linguistic skills and implied that I couldn't speak properly. When I explained that she was legally overstepping and intentionally blocking the dispute process she said she didn't care and wasn't concerned that I never received a response from them. I now have unfairly been skipped over and refused a fair process of dispute. I also now have to deal with this being unlawfully reported to my Experian account and credit report.

  Business Response

  Date: 03/30/2023

  Consumer should be advised that this matter has already 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 for Consumer's review.  This course has a completion of 37.5%.  Consumer may contact our office and a representative would be happy to assit Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:03/26/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 never heard of this company or the debt involved before in my life. I found out about it because I got an alert on my credit score A 120 point drop for a $190 debt I didnt even know existed. This company has ruined my future. Were saving up to buy a house and my credit score is now ruined. If I had known about the debt I would have paid it Thats barely anything. The credit report agency said its going to be on there for 5-7 years even if I pay it. My life is ruined over barely any money at all. I dont know if theres a way for them to retract it.

  Business Response

  Date: 03/27/2023

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

• Initial Complaint

  Date:03/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Dec 2022 i noticed a collection on my credit report from this company stating that I owe a balance in the amount of $13,000 for unpaid medical collection. I have never heard of nor does Houston, Texas have a business with this name. I have never been a patient of this said business. I called this business to confirm all information stated in my credit report and was told I would get the verification letter which I still have yet to receive verifying the debt. I am outraged and this needs to be removed immediately. I am insured so this is a mistake on many levels. The reps have such attitudes and this needs to be resolved.

  Business Response

  Date: 03/27/2023

  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 (Physicians Groups not the facility).  Our client is offering a 40% discount 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