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

  PO Box 4262 Scranton, PA 18505-6262

• 

  Ability Recovery Services LLC

  1 Montage Mountain Rd Moosic, PA 18507-1777

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:03/22/2023

  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 1-5-2023, I sent a certified letter to Ability Recovery Services requesting the 1. Copy of the application for credit so that I can understand exactly what debt you are trying to collect. 2. Copy of the cardholder agreement (the contract) and any amendments that outlines what the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me. 3. Monthly statements from when I last had a zero balance up to the final statement so that I can become aware of all the charges, payments, and credits to compare with the cardholder agreement to see if the amount you are claiming is correct. 4. Prove your authority to collect this debt because I have never done business with you. If you claim to own any debt(s) you are stating I owe, provide me with the full purchase agreement so that I can see if you really own this debt. Sometime after that I received a print out of general information that does not include any of the information that I requested. I have a right to an accurate credit history and Ability Recovery Services has not provided the requested information to even minimally prove that they have the authority to collect any alleged debt from me. All information should have been researched, obtained, and or verified prior to their response to my important letter. I am requesting that Ability Recovery Services contact any and all bureaus that they have sent derogatory information to about me and any alleged account for debt requesting that it be deleted from my credit history.

  Business Response

  Date: 03/23/2023

  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 Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same.  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

• Initial Complaint

  Date:03/22/2023

  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.

  This debt has been removed from my credit report and is too old to be reported on, it was purchased by Ability and they put 2 charges on my credit for $1850! I have never worked with them, they made no attempt to reach me and again the debt is too old to be reported. I have disputed it but this practice is disgusting. This is a medical bill which makes no sense as I had ******** at the time and still do! They have not provided any documentation as to this debt, it just showed up on my report.

  Business Response

  Date: 03/29/2023

  Consumer should be advised that these matters were 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 the Itemized Bills for all four (4) matters.  The two for $1,805.00 are credit reporting.  Our client is offering a 55% discount with deletion for these matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 03/29/2023

  [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:
  You need to recheck your dates. These have been removed and are past the timeframe legally allowed to be reported, you purchasing them doesn't make the clock restart. You are not going to be receiving money for bills that 1. Are past the date legally allowed to be reported on my credit report. 2. I have had ******** for 15 years, ******** who covers EVERYTHING, and there would be no bill to me but only to them. 3. I still have not been provided with any proof of this debt. Please provide them asap. I will be speaking to an attorney about this next week and would like to have all the documents at that time. 
  
  Regards,
  
  *******************************
  

  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.  Consumer should be advised that we do not own the debt.  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.  Our client is still offering the 55% discount 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:03/22/2023

  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.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  Business Response

  Date: 04/06/2023

  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 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:03/20/2023

  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 Service has added an old debt that was previously removed from my credit report back to it. The debt was never mine in the first place. My insurance (through the state) was supposed to cover it. It was removed from my credit report over a year ago and Ability Recovery Service reopened it as a new debt back in January and added it back to my credit report. This is illegal and I want it removed from my credit report! If it is not removed, I will be getting a lawyer and filing a lawsuit against them.

  Business Response

  Date: 03/29/2023

  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.  Please be advised that our client utilizes numerous collection agencies to collect their debts.  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

  Customer Answer

  Date: 04/03/2023

  [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:

  
  

  As you can clearly see in the attached documents, this debt is 5 years old. It was previously dropped from my credit report. My insurance company (at the time of the bill) was responsible for the debt, not me. I refuse to pay for a debt I was not responsible for. If it is not removed from my credit report, I will be forced to take legal action against the collection agency. 
  
  Regards,
  
  *********************
  

  Business Response

  Date: 04/04/2023

  Consumer should be advised that this 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 medial debt buyer).  As per our client, this matter was not paid by insurance and is still due and owing.  Our client is still offering 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

  Customer Answer

  Date: 04/07/2023

  [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 refuse to pay for a debt that isn't mine.

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

  Business Response

  Date: 04/07/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  If Consumer is stating that this matter is Identity Theft/Fraud, our client requires a Police Report which can be sent to us via facsimile ************.  Thank you

• Initial Complaint

  Date:03/17/2023

  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 service has placed two different collections on my account for $985 in the same amounts. I do not owe money on either of these accounts. Both were open fraudulently as ******* Hospital already has a collection open for one hospital bill through **** ******** ********

  Business Response

  Date: 03/27/2023

  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 the Itemized Bills for these matters.  Please note that there are two (2) dates of services.  Our client is offering a 35% 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:03/15/2023

  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.

  Have no knowledge of this account that's on my credit from this company I have disputed it and it was removed from 2 of my credit reports have never received any correspondence or debt validation via mail would like this removed from the final credit report any medical bills I've had in the past were paid

  Business Response

  Date: 03/21/2023

  Consumer should be advised that these matters 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.  Attached please find copies of the itemized Bill for Consumer's review.  The $1,450 is now credit reporting.  Our client is offering a 50% discount with deletion for these matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you  

  Customer Answer

  Date: 03/31/2023

  [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:
  My signature is nowhere on this paperwork I've never received anything for this bill I had no knowledge of it til it showed on my credit report last year but supposedly it has an original date.of  March of 2018 if that's true statue of limitations to collect medical debt in Virginia is  5 years 
  
  Regards,
  
  ***********************
  

  Business Response

  Date: 04/04/2023

  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

  Customer Answer

  Date: 04/04/2023

  [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:03/10/2023

  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.

  I spoke to a representative today and was inquiring as to why the $205 that was from a medical bill was being reported to the credit bureau, i.e., ************ and ********. The lady stated that they had reported anything since January 2023, and it will be removed from the credit report as of April 2023? I had advised the representative that that wasn’t correct because I have proof that it was reported as early as February 23 of 2023 and asked why was this even reported in the first place? The representative indicated that my file was now moved to another company and they no longer have it in their office again asking her then why was it reported still had not received an answer as well as why would it be removed in April and not now since my account is no longer in your office. The representative became very irate when I stated that the representative indicated that that’s not true, they can report anything to the credit bureau even including medical bills. I told her that wasn’t correct. The representative indicated that I need to pay my bills and that they’re gonna do whatever they need to do and she disconnected the call

  Business Response

  Date: 03/15/2023

  Consumer should be advised that this matter has closed, recalled by our client (******** ***************** and removed from all credit reporting bureaus.  Please allow 10 days for all bureaus to update.  If you would like to reach our client the telephone number is ************  Thank you 

  Customer Answer

  Date: 03/15/2023

  [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:03/03/2023

  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.

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

  Business Response

  Date: 03/09/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Attached is a copy of the Enrollment Agreement with Consumer's electronic signature agreeing to all of the terms and conditions of same.  68% of this course was completed and our client advised that this matter is still due and owing.  Cancel fee $250.00.  Thank you

• Initial Complaint

  Date:03/02/2023

  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.

  This collection company called me out of the blue, stating they are attempting to collect a monies from a bill that was over five years old from the time when I had an Emergency Room visit on July 31, 2017, stating that I owed $2247.25. I had never received any bills from the ER nor any correspondence from the collection company. This phone call was the first time I have ever heard that I owed any monies. This collection company threatened to report me to the credit bureau to ruin my credit so out of fear, I went ahead and gave them my credit card first. After contacting my insurance company, Aetna, regarding this emergency room visit, they told me they already paid the Emergency Room and the only thing I owed was $24.41, which I had already paid the day of my visit (07/31/2017) at the ER as my copay. They sent me a copy of my explanation of benefits (EOB) clearly stating that my patient portion for this visit was $24.41. This $2247.25 amount is fabricated by this collection agency and does not exist. I have attempted to contact them multiple times and have either been unable to connect with the person in charge of my account (I keep getting the voicemail) or I am in touch with someone who is very rude and unhelpful. This collection call and behavior from Ability is bordering on fradulent at this point and I am demanding a complete refund of $2247.25 that I do not owe anyone. Below is the information from Ability regarding my account (which shouldn't even exist) with them: Original Acct #********-882619 Debtor ID ********

  Business Response

  Date: 03/16/2023

  Consumer should be advised that this matter has 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.  Attached please find a copy of the Itemized Bill for Consumer review.  We are in receipt of Consumer's EOB.  Consumer should be advised that this EOB is the same date of service but is not for the same original creditor.  The original creditor for the debt in our office is ***** ****** ********* **** **********.  The original credit on Consumer's EOB is ******** ****** ************* ** *****, ****.  Therefore with Consumer's backout of $1,328.59 + $25.00 fee, Consumer's balance is $1,353.59.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you   

  Customer Answer

  Date: 03/17/2023

  [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:
  
  

  This response makes no sense and this solicitation is clearly fraudulent. This collections company says, "Consumer's balance is $1,353.59." Then why does the bill they attached say $2247.25, and why was I charged that amount? This company can't even get its numbers or story right. 

  
  

  Also, how is there a different creditor? If there's a different creditor, that is because it is made up. I went to the emergency room that day and the Aetna EOB (attached once again) is the emergency room I went to. People don't go to multiple emergency rooms in one day. This collections is saying there is "another creditor" involved and that is simply not true, as reflected in my Aetna EOB, which clearly shows which emergency room I went to on that date. The insurance company has clearly indicated that I only owed $24.41. There were no other emergency room visits that day.

  
  

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

• Initial Complaint

  Date:03/01/2023

  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 not liable for the debt collection this business has added to my report due to having medical insurance

  Business Response

  Date: 03/09/2023

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