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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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Ability Recovery Services LLC has 3 locations, listed below.

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    Customer Complaints Summary

    • 453 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:01/02/2023

      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.
      Please be advised I have requested "validation" {not verification} of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove:1. I had this service.2. What services I am being charged for.3. What the cost of each service I am being charged for. Furthermore, Ability Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. Should this item not be deleted within the required time allowed by law I will seek every remedy available to me. I  urge you to take this extremely seriously and have this deleted . I encourage a response from you expeditiously.

      Business Response

      Date: 01/23/2023

      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:12/22/2022

      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 is reporting an alleged debt on my credit reports without my consent or knowledge As of November 30, 2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, *******, ********, and **********, before first contacting the consumer. I'm not liable for this debt, They have failed to give me any type of response or provide me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately. I asked in my letter to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified" without providing any proof bearing my signature. As per FTC opinion letter from Attorney **** ** *******, they should be aware that a printout of a bill or itemized document does not constitute verification. The listed item is inaccurate and incomplete.

      Business Response

      Date: 12/27/2022

      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 their collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement and Ledger whereby Consumer Consumer agreed to all of the terms and conditions of same.  Our client has advised that Consumer completed 17% of the course.  As per our client to cancel this matter would be $223.75 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: 12/28/2022

      [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 don't have a contract with this company and its illegal for them to even report anything to my credit report without my permission 

      Regards,

      Business Response

      Date: 01/05/2023

      Consumer should be advised that Ability Recovery Services is a third party debt collection agency representing our client ************************ in the collection of their outstanding student debt.  Consumer agreed to all of the terms and conditions of the Enrollment Agreement 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: 01/06/2023

      [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: *********** has violated my rights under the FCRA  thy have violated 15 U.S.C.1692b(2) and 15 U.S.C. 1692b(5) and 15 U.S.C. 1692C(A) and 15 U.S.C. 1692D(2) and 15 U.S.C. 1692C(4) I want this account deleted.

      Regards,

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

    • Initial Complaint

      Date:12/22/2022

      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 ****** **********  and do not have a contract with ABILITY RECOVERY SERVICE. They did not provide me with the orginial application like I asked.

      Business Response

      Date: 12/23/2022

      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 which Consumer signed electronically and agreed to all of the terms and conditions of same.  Our client advised that this matter is still due and owing and is offering a 15% 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:12/19/2022

      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.
      After several attempts of resolving this issue with this business and even after proof was provided that the debt is false/inaccurate they continued to threaten me. Stating It doesnt matter what you say or what proof we see its staying on your credit report. It is illegal for them to list inaccuracies on my credit reports.

      Business Response

      Date: 12/21/2022

      Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client ****** ********** in the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement and Ledger whereby Consumer agreed to all of thew terms and conditions of same.  If paid by 12/31/2022, our client is offering a 40% discount.  If not there is a long standing 15% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Business Response

      Date: 12/23/2022

      Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Consumer signed the Enrollment Agreement electronically whereby agreeing to all of the terms and conditions to same.  As per our client this matter is still due and owing.  If Consumer is stating this matter is ID theft/Fraud, our client requires a police report/ID Theft Affidavit, which can be forwarded to our office via facsimile to ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 01/04/2023

      [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 has been no proof provided which is against the law. 

      Regards,

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

    • Initial Complaint

      Date:12/15/2022

      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.
      They are trying to bill me for money not owed. They have sent it to collections although I have provided my explanation of benefits to them on several occassions. I was billed $935, but my allowable based on my medical insurance was $794.75, which was paid by insurance company **********************

      Business Response

      Date: 12/20/2022

      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:12/12/2022

      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 very disturbed and upset with ABILITY RECOVERY SERVI has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right

      Business Response

      Date: 12/13/2022

      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).  Our office mailed Itemized Statement to your current address on August 11, 2022 and has not been returned to our office.  Attached please find another 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:12/08/2022

      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 reached out to Ability Recovery Services regarding a debt that is currently reporting to the credit bureau under my name. I sent an official request, certified mail to get validation of this debt on 9/2/22 with 30 days for them to comply. We are now at over 90 days and they are unable to and have not provided any information required by the government to keep this alleged debt on my credit report.

      Business Response

      Date: 12/15/2022

      Consumer should be advised that this matter has been placed in a properly disputed status and removed from all 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 70% discount for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer.  Thank you

      Customer Answer

      Date: 12/28/2022

      [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 sent them a letter in September (and have filed a bbb complaint with their other offices) in September of 2022 requesting validation of this debt under the Fair Debt Collection Practices Act. My request for validation was made pursuant to 15 USC 1692g Sec. 809 (b) of the FCDPA. I have yet to receive any validation of the debt and this is still be reporting to the three credit bureaus. This must be removed as soon as possible.

      Regards,

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








      Business Response

      Date: 12/28/2022

      Consumer should be advised that this matter has been removed from all credit reporting bureaus on December 15, 2022.  Please allow 30 days for all bureaus to update.  Again please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 70% discount 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:12/08/2022

      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 received a notice that I have a collection from ABILITY RECOVERY SERVI on my credit report. It says it was opened on 07/01/2021 for $303 with account number starting in ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any 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: 12/14/2022

      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 this matter, showing a date of service of December 27, 2018.  Consumer should be advised that 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:12/02/2022

      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 writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R. § 226.13. See also 12 C.F.R. § 226.12(b).

      Business Response

      Date: 12/06/2022

      Consumer should be advised that this matter has been placed in a properly disputed status, along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client ************************ in the collection of their outstanding student debt.  Attached herewith please find a copy of the Enrollment Agreement and Ledger for Consumer's review. We are in receipt of your letter but the Federal Trade Commission ID theft Report was not attached.  As per our client to cancel this matter would be $32.25 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:11/28/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have never interacted with the company / agency that this person is trying to collect a frivolous and fraudulent debt for, they claim that they have evidence enough to place a mark on my credit report for over 2600 dollars. I have stated I am a victim of identity theft and tried to remove it, Ive tried multiple times to contact this business. They are a giant scam and a fraud business trying to wage a war against me for fake money. I dont owe them ANYTHING and I demand they remove this frivolous debt. I will contact every outlet imaginable and possible to make sure these people cant do this to other people. They cannot present ID, or signature or any other proof that this happened.

      Business Response

      Date: 12/02/2022

      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.  If this is a case of Identity Theft/Fraud, our client requires a police report which can be forwarded to us via facsimile ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you.

      Customer Answer

      Date: 12/09/2022

      [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: First of all, while that is my correct date of birth, I have never lived at that address or recieved medical care in the city of Houston, nor has that ever been my phone number. The address from Cincinnati is where I lived nearly 20 years ago...There is nothing here that proves that this was me, clearly it is an issue of someone either using my identity or just a complete falsification. Furthermore it is also unclear whom I am dealing with this debt seems to have changed hands a few times in its cycle. Additionally, in September of 2018 I was living in Orlando Florida, how is this even legal, without clear information or an ID, what a messed up situation.

      Regards,

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

      Business Response

      Date: 12/14/2022

      Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Our client ******** **************** (a medical debt buyer) utilized numerous third party collection agencies. As per our client this matter is till due and owing and is offering a 50% discount with deletion.  Once again, if this is a matter of Identity Theft/Fraud, our client requires a police report which can be forwarded to our office via facsimile at ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 12/16/2022

      [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 have tried to contact you and have not been able to speak to anyone who knows anything about anything beyond their script. OK you have a sheet of paper from this other company, unacceptable. You are absolute criminals. I have a fraud alert on my credit and have filed with the **** What and who the do I file a police report with, what location, YOURS? Because you people really need to be brought to justice. I cannot go into a police station and file a report for something that happened somewhere else years ago to SOMEONE with a listed address of mine from 20 years ago. Do better.

      Regards,

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

      Business Response

      Date: 12/23/2022

      Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Consumer can file a ID Theft Report with your local police station or fill our a ************************ ID Theft Report and send either to our fax at ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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