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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

    • 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:10/14/2022

      Type:Service or Repair 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.
      On 10/13/22 I was alerted my credit score decreased by 27-28 points due to a new collection account. I recently discharged from bankruptcy in Feb 2022 and the $1248 defaulted debt reported by Ability Recovery Services was included in that bankruptcy. I spoke with Joe M*********** at X*** who apologized and said they’d have the debt removed and email me confirmation. He said this happens often because they don’t have the “best debt buying practices.” I gave him my bankruptcy ID #******** and lawyer’s name. I’ve not received anything. It’s illegal for this company to attempt to collect on this debt, let alone impact my credit, which I’ve worked to significantly improve. We are in the process of house buying and this has been a significant setback.

      Business Response

      Date: 10/19/2022

      Consumer should be advised that this matter has already been closed in a Bankruptcy status and removed from all credit reporting bureaus.  Please allow 10 more days for all bureaus to update.  Thank you

      Customer Answer

      Date: 10/19/2022

      [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:10/14/2022

      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 a victim of identity fraud. I recently obtained my credit report and found these fraudulent accounts, an overload of addresses and even a different variations to my name of which some I have provided below. I'm only taking a wild guess by thinking my information may have been a part of a data breach as the occurrence has only been happening for these past years. I also found these accounts that I believe not mine: Acct name: ABLTY RECVRY (Original Creditor: *** ****** ****** ******* **) acct no. ********** date opened 09/01/2019 balance $84.00 Acct name: ABLTY RECVRY (Original Creditor: *** ****** ****** ******* **) acct no. ********** date opened 06/01/2020 balance $125.00 I am not liable for these debts and I do not have a contract with: Company: ABILITY RECOVERY SERVICE Address: POB 4031 WYOMING, PA 18644 Tel No: (855) 207-1892 FTC Affidavit is attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB. Please delete these accounts from my credit report at once. Any questions or concerns I can be reached at **** ********* **** SCRANTON PA ***** and email at *************@*****.com. I need a response from the company.

      Business Response

      Date: 10/20/2022

      Consumer should be advised that these matters have been removed from credit reporting bureaus.  Please allow 15-30 days for all bureaus to update.  Thank you

    • Initial Complaint

      Date:10/12/2022

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

      Business Response

      Date: 10/14/2022

      Consumer should he 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 debt.  Attached please find a copy of the Charge Off Statement for this matter.  Our client is offering a 40% discount for this matter with a deletion.  Consumer may contact our office and a representative would be be happy to assist Consumer in resolving this matter.  Thank you

      Business Response

      Date: 10/19/2022

      Consumer should be advised that this matter has been closed, settled and removed from all credit reporting bureaus.  Please allow 15-30 days for all bureaus to update.  Thank you

      Customer Answer

      Date: 10/19/2022

      [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:10/12/2022

      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.
      on October 12, 2022 I received an alert that a new collection report was added to my credit report. When viewing the report I saw the collection company so I proceeded to contact the company, the lady who answered told me they been trying to contact me since August 2022 but had no luck. I asked if they left messages she said no then she told me they sent letters about my "supposed debt owed" to an address I do not reside at. She told me I owed $800 but wouldn't tell me who or what it was for and just wanted me to pay it. I repeatedly asked for a manager to which she told me she was not going to give me a manager I had to deal with her. She stated the debt was from 2017 to which I replied with the debt is out by time isn't it? she said no and I said if you do not provide me with any information I am not going to pay to which she stated that "I need to get a job to pay my **** bills" and some other words. I then said she was being very rude to which her reply was your momma's a ***** so get off the phone. I then kept asking over and over for a manager she finally hung up. Every time I call back she is the only one who picks up the phone. Everything is "supposedly" recorded so maybe they can listen to the calls. This is not my Debt, not my address, Terrible Customer Service and not sure why I am hearing about this 7 years after it "supposedly" was charged off. it was just added to my credit report as they have not sent me anything in the mail or even contacted me via telephone.

      Business Response

      Date: 10/14/2022

      Consumer should be advised that this matter had been recalled back to our client **** *********** and has been removed from all credit reporting bureaus.  Please allow 15-30 days for all bureaus to update.  Thank you

    • Initial Complaint

      Date:09/27/2022

      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 ****** TX ********* **********  and do not have a contract with Ability Recovery Services llc. They did not provide me with the original application like I asked.

      Business Response

      Date: 09/28/2022

      Unable to locate name, address and telephone number in our system.  Common name issue.  We will need additional information.  Date of Birth or prior address.  Thank you

    • Initial Complaint

      Date:09/27/2022

      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 SERVI  PO BOX **** WYOMING, PA ***** Phone number-************** Account Number :: **************** Ability Recovery Services has violated my rights. I have asked them Validate the information and they have yet to validate it. Also they violated The United States Code Law. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Instruction: As a consumer by law this account must be deleted immediately. They also violated my rights because according to Under 15 US Code 1681a (3) this medical collection is in violation and can’t be on my credit report. (3)Restriction on sharing of medical information.—Except for information or any communication of information disclosed as provided in section 1681b(g)(3) of this title, the exclusions in paragraph (2) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is— (A)medical information; (B)an individualized list or description based on the payment transactions of the consumer for medical products or services; or (C)an aggregate list of identified consumers based on payment transactions for medical products or services. Although this account has not been validated, it's still on my credit report and two other violations were broken as well. I will give this creditor an opportunity to make this right. I demand that this account be deleted from my credit report ASAP. 

      Business Response

      Date: 10/05/2022

      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 medial debt buyer) in the collection of their outstanding medical debt.  Attached please find a copy of Consumer's Charge Off Statement for Consumer's review.  Our client is offering  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: 10/06/2022

      [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: ********

      Please do not close this dispute as I do not accept the response.  To ensure that the non-creditor report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

      I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature.  The ****** account Information they uploaded does not relate to me that's not even how you spell my name! The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA.

      In addition, please provide the contract signed between Ability Recovery Services LLC & ***** ********************* ***, notarized and sworn under penalty and perjury for Ability Recovery Services LLC ability to collect this alleged debt.

      The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents.  Were these documents mailed certified mail to my residence?  I don't believe this non creditor and feel that they are not being 100% honest. Please send all validating records through the BBB and certified mail to my address.  I have uploaded a copy of my ID showing my mailing address.  

      Regards,

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

      Business Response

      Date: 10/19/2022

      Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Once again, Ability Recovery Services is a third party debt collection agency representing our client *************** in the collection of their outstanding medical debt.  The attached Charge Off Statement is all the validation our client provides.  Our client is still offering the 50% 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:09/26/2022

      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 LLC has a debt collection on my credit bureau reports. The amount owed is inaccurate and I sent a letter disputing this to Ability asking to verify the amount or delete from all 3 credit reports. They have not sent any verification but added a line on the credit reports that I am disputing. This letter was sent over 90 days ago but I have not received any correspondence from them verifying the debt. I would like this company to delete collection item from all 3 credit reporting bureaus.

      Business Response

      Date: 09/27/2022

      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 the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement whereby agreeing to all of the terms and conditions of same.  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:09/24/2022

      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 has fraudulently placed a collection/charge off on my credit report. The report shows date opened as 5/04/2022 for $262.00. It doesn't provide original creditor information; however, I don't have any loans or credit cards. There is nothing that could have been charged off or collected. I have not received any notification regarding the debt they are claiming to collect. I want it removed from my credit report immediately

      Business Response

      Date: 10/06/2022

      Consumer should be advised that this matter has been deleted from all credit reporting bureaus.  Please allow 15-30 business days for all bureaus to update.  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.  Consumer may contact our office and a representative would be happy to assist Consumer.  Thank you

    • Initial Complaint

      Date:09/21/2022

      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 reviewing my credit report I found that I have three collections in the amounts of $761, $761, and $724 from Ability Recovery Services LLC. I am not liable for this debt with Ability Recovery Services LLC and do not have a contract with them. They did not provide me with a copy of the original application validating an agreement to partnership with on another, neither have they provided a breakdown of fees including any collection costs and medical charges. For both these reason this is a violation of the Fair Credit Report Act and this item should be removed from my credit report immediately to avoid litigation.

      Business Response

      Date: 10/03/2022

      Consumer should be advised that these matters have 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.  There are 6 medical debts that are due and owing.  Attached please find Itemized Bills for all 6 matters.  There are no fees or collection costs.  Our client is offering a 60% discount and 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: 10/04/2022

      [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 a   I am rejecting this response because: I've requested validation of the debt and the information provided does not included the following required for me to validate: breakdown of fees including any collection costs and medical charges (the document you provided only lists a charge amount and does not detail the services rendered). Any further reporting of a debt that has yet to be validated to any major credit reporting bureau may constitute fraud as well as defamation of character. I am requesting you cease any credit bureau reporting until the debt has been validated by me as allowed in the FCRA to avoid litigation.


      Regards,

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

      Business Response

      Date: 10/14/2022

      Consumer should be advised that this matter has been and shall remain in a properly disputed status (cease and desist), 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.  Consumer should be advised that there are no collection costs or fees.  The Itemized Bill has Procedure/Service CPT Codes which Consumer may ****** (look up) these medical codes to see services rendered. Our client is offering the 60% discount for these matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving these matters.  Thank you 

    • Initial Complaint

      Date:09/20/2022

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

      Business Response

      Date: 09/23/2022

      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 please find a copy of Consumer's Enrollment Agreement agreeing to the terms and conditions of same.  Our client is offering a 20% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Business Response

      Date: 09/27/2022

      Consumer should be advised that this matter has been removed from all credit reporting bureaus.  Allow 15-30 days for all bureaus to update.

      Customer Answer

      Date: 09/27/2022

      [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,

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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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