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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

    • 454 total complaints in the last 3 years.
    • 129 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:12/26/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ******** *******. I DO NOT have a contract with Ability Recovery Services. They did not provide me the orginal agreement as requested.

      Business Response

      Date: 01/04/2024

      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.  As per our client to cancel this is $430.00 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:12/23/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ***********************, I do not have a contract with the collection agency, Ability Recovery Service. They did not provide me with the original contract as requested.

      Business Response

      Date: 01/04/2024

      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 30% discount with deletion by January 31, 2024.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:12/22/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ******* ********* *******, I do not have a contract with ABILITY RECOVERY SERVICE, they did not provide me with the original contract as I requested.

      Business Response

      Date: 01/03/2024

      Consumer should be advised that this matter was closed on December 20, 2023 and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

    • Initial Complaint

      Date:12/15/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ***********. I do not have a contract with Ability Recovery Services LLC, and they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/20/2023

      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.  As per our client it is $814.30 to cancel this matter with deletion.  To continue with a 30% discount for $1,181.63.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:12/13/2023

      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.
      On October 30, 2023, Ability Recovery Service, a third-party debt collector, received my dispute letter in which I requested verification of a debt associated with account number ***************. Before I discovered this account on my credit report, I had no prior knowledge of its existence. I cannot recall having any financial obligation to them, and I am skeptical about their legal authority to collect from me. Furthermore, under the Texas Finance Code, they were required to respond to my verification request within 30 days. There is no evidence that they complied with this requirement. Therefore, I respectfully request the removal of this disputed and unverified account from my credit report. I am making every effort to resolve this matter outside of presenting this case before a courtroom jury.

      Business Response

      Date: 12/18/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed 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 35% 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: 12/18/2023

      [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 debt collector appears to be unaware of the situation. They have already breached my rights under the Texas Finance Code by failing to verify the debt within the specified legal timeframe. I have experienced both statutory and actual damages due to their deliberate negligence. Moreover, the debt collector lacks the legal authority to pursue collection from me initially. As of today, they are still engaged in collection efforts on this account, which puts them in violation of the TFC. Again, I respectfully request the removal of the invalidated account.
      Regards,

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

      Business Response

      Date: 12/27/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  On October 31, 2023 we received Consumer's dispute letter and on November 6, 2023 the validation and Itemized Bill was forwarded to Consumer on a timely basis.  Attached please find the Itemized Bill with a 35% 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:12/12/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a notification from my credit monitoring service that Ability Recovery Services has added a collection account to my report. I am not liable for this debt. I do not have a contract with Ability Recovery Services, they did not provide me with the original contract as requested.

      Customer Answer

      Date: 12/13/2023

      Hello,

      This collection just appeared on my credit report. I have no knowledge of the debt. There is no contract with this company.

      Business Response

      Date: 12/20/2023

      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

      Customer Answer

      Date: 12/28/2023

      [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 document furnished makes no mention of the disputed collection agency (Ability Recovery). According to the document the current creditor is ******** ***************** I am still requesting that the collection be removed from my reports. A signed contract has not been provided as requested.

      Regards,

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

      Business Response

      Date: 01/03/2024

      Consumer should be advised that our client has advised that this matter is still due and owing.  Our client is offering the 75% 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:12/12/2023

      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.
      This company has been calling my Phone everyday! Legally credit collection companies are only allowed to call every 7 days. The worker that has been calling me has been calling from a landline in Rhode Island. When the company is based in PA! *****************! I've never received a letter from this company or anything 12/11/23 I called ***************** and told this guy that I wanted all the information/bill they have for me mailed/emailed to me so I can see my “bill” He  only asked for the last 2 of my social which is weird. He would not mail me my Bill or Escalate (which he offered to do) my call. He actually hung up on me instead. He told me specifically the bill was from Bristol hospital and from 2017 I only have one unpaid Bill in my underaged child's name from that time and it is under $300 that ************************** has! This company is trying to charge me $946! Not only that but they are falsely effecting my credit score!

      Business Response

      Date: 12/20/2023

      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

    • Initial Complaint

      Date:12/06/2023

      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 NOTICED A NEW COLLECTION ACCOUNT ON MY CREDIT REPORT FROM ABILITY RECOVERY SERVICES FOR AN APPARENT MEDICAL BILL - AMBULANCE RIDE FOR $2,485. DOESN'T SHOW A DATE FOR WHEN THE SERVICES WERE PROVIDED. I HAVE NEVER RECEIVED A STATEMENT FROM THE AMBULANCE AND HAVE NOT BEEN IN AN AMBULANCE FOR OVER 5 YEARS. I ALSO HAVE ******** INSURANCE FOR THOSE 5 YEARS. HOW IS IT THAT MAGICALLY A COLLECTION ACCOUNT SHOWS UP ON MY CREDIT REPORT WHEN I'VE NEVER RECEIVED A BILL OR STATEMENT OR EVEN SO MUCH AS A PHONE CALL FROM THE ORIGINAL CREDITOR OR THE COLLECTION AGENCY? THESE PEOPLE ARE JUST TRYING TO SCAM CONSUMERS. THEY TRIED ASKING ME FOR AN ACCOUNT # WHICH I DON'T HAVE BECAUSE I HAVE NEVER BEEN MADE AWARE OF THIS ACCOUNT OR DEMANDED I GIVE MY FULL SSN WHICH I ABSOLUTELY WILL NOT DO JUST SO THEY CAN STEAL MY INFORMATION. SINCE I DID NOT HAVE AN ACCOUNT # AND WOULDN'T GIVE MY SOCIAL THEY WON'T ASSIST ME IN FIGURING OUT HOW THIS ACCOUNT CAME TO BE. THANKFULLY I WORK IN DEBT VALIDATION AND THIS WILL BE REMOVED IMMEDIATELY. SCREW THESE FRAUDS.

      Business Response

      Date: 12/12/2023

      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 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

    • Initial Complaint

      Date:12/06/2023

      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 recently became a single mom and checked my credit report. I saw that Ability Recovery Service is showing up as a collector as of Sept. 2023. I called and emailed proof showing I don't owe anything and never owed what they claim. My FICO score went down over 100 pts. due to them. They are trying to collect about $1,767 from an ambulance trip from 06/27/2019. My insurance, at the time, settled with the ambulance service. This was sorted years ago. I have proof from the insurance company that I do not owe this money. I need to care for my sons now that their dad left. I need to have good credit, and this company is ruining it. I don't know why it just recently showed on my credit report. When I contacted Ability Recovery, they said my account number was : ********. I need help getting this collection removed since it's negatively affecting my sons and me in a very difficult time already. I need my credit score to go up to what it should be. Please help.

      Business Response

      Date: 12/12/2023

      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 35% discount with deletion for this matter.  Regarding your receipt of paid prior, as per our client "The insurance carrier is non-contractual and any unpaid portion is patient's responsibility".  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 12/22/2023

      [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 ambulance ride fee, on 06/27/2019, was submitted to ***** in 2019 and ***** issued an Explanation of Benefits (EOB) to me and to the ambulance service provider. An ***** representative said that after the ambulance service received their copy of the EOB, they had up to one year to contact ***** and talk about the allowed amount and case rate/ per diem. The ambulance service did not do this. Because they did not do this, now they are trying to charge me for the full amount of what they want to charge without having gone through the insurance as they should have. They are In Network with *****. If they had contacted ***** again within that year from date of service, I would have then paid a certain percent of the allowed amount. The ambulance service did not do this and so now they decide to put a collection on my credit report after 4 years of having this case settled. The ***** representative said that this medical provider knows what is meant by case rate and per diem and it is their fault for not filing as they should have. They then can't force me to pay after 4 years, whatever amount they want to charge long after the EOB was issued. The EOB showed I do not owe anything. I have called ******** ******* ******** and they simply forward me to Ability Recovery Services (ARS). I have spoken many times to ARS. They told me to email proof, that is the EOB and insurance letter. I have done so, and I have not received a response from them other than to call them again. I have also called ARS several times where my call gets disconnected. They have not helped at all, and they have refused to see and acknowledge the insurance proof I have sent. My sons' dad has left, and we were recently divorced. I need to find a way to care for them and me, and a wrong collection on my credit report is being very harmful to us. I cannot agree to pay 35% less of an amount that I do not owe. If I can't get any help from ARS or the new collection agency, I might then need to show all this information to the lawyer who helped my sons and me during this separation and divorce. I need my credit score to be as it should, without this wrong collection, so I can find housing for us. The original creditor for the ambulance service did not follow through with the in network paperwork they had to do, and now they are trying to force their mistake on my sons and me. I again have submitted the EOB and insurance letter many times. I do not owe anything. The ambulance service is in network with ***** and they have an allowed amount and case rate per diem. That is how it was to be processed. I don't owe them anything. It's already been 4 years and they received the EOB in 2019, as did I. They then had one year, that would have been 2020, to reach out again to ***** and talk about the rate. 

      Regards,

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

      Business Response

      Date: 01/03/2024

      Consumer should be advised that our client closed this matter on January 2, 2024 and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

      Customer Answer

      Date: 01/15/2024


      I will continue to monitor my credit report, and if this collection is removed within the time frame mentioned (within 30 days from January 02, 2023), I appreciate the cooperation and help from the BBB and the collection agency.
      Thank you,
      *******************

    • Initial Complaint

      Date:12/01/2023

      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 have fallen victim to identity theft, where I've observed unauthorized transactions and questionable activities associated with my identity. Although I've taken the step of filing a police report, I am seeking assistance to address this problem comprehensively. My objectives are to regain my financial losses, restore my reputation, and request your aid in removing this account from my credit report. I kindly request your assistance with this matter.ABILITY RECOVERY SERVI opened on Aug 07, 2023

      Business Response

      Date: 12/05/2023

      Consumer should be advised that this matter has been closed 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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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