Complaints

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

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  Ability Recovery Services LLC

  284 Main St DuPont, PA 18641-1960

• 

  Ability Recovery Services LLC

  1 Montage Mountain Rd Moosic, PA 18507-1777

• 

  Ability Recovery Services LLC

  PO Box 4262 Scranton, PA 18505-6262

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/29/2022

  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 have been working on my credit for years to buy a house and this popped up on my credit report. I don't recognize the charge and called to get more info. The 1st call was answered by a woman who had massive attitude while I asked for her to send proof of the debt. She then screamed my Date of birth and social out loud and took a threatening tone with me telling me I "wasn't going to talk to her crazy when I'm pretending that I don't know about a credit card" when all I asked is why she was getting an attitude with me. I hung and called back, spoke with a male who told me he didn't know why the account was on my credit and he would have to reach out to the original creditor, that call disconnected while he was trying to get my contact info. I called a 3rd time, spoke with a lady who said she would send me proof of debt, I gave her my contact info and then she began to interrogate me as to how the card opened and who would open it if it wasn't me, asking personal questions when all I needed was to get proof of the debt to make sure its mine before paying it. Like what is wrong with the employees of this company. I just want proof it's mine before I pay something that that say goes back 7 years.

  Business Response

  Date: 09/08/2022

  Consumer should be advised that this matter has been closed, returned to our client **** *********** *****, and removed from credit reporting bureaus. Please allow 10-15 days for all bureaus to update.  Thank you

  Customer Answer

  Date: 09/08/2022

  [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. I will monitor my accounts to confirm the action they detailed does take place
  
  Regards,
  
  ***************************
  

• Initial Complaint

  Date:08/21/2022

  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 company has put two $761 collections on my credit report. This drastically impacted my credit score, dropping it by 70 points overnight.Besides finding it unusual for both derogatory marks to be for the exact same sum, I have no memory of this company ever contacting me to retrieve payment. I've been very conscious of my credit score and would have taken notice of a collections warning. I want these collections removed from all credit bureaus so that my score is in good standing.

  Business Response

  Date: 08/24/2022

  Unable to locate in our database system. We require additional information.  Thank you

  Customer Answer

  Date: 08/26/2022

  [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:
  
  If you can not locate me, then I wonder in what way you could've possibly contacted me. Since I've received no communication from you in regards to this debt. My former last name is *****. I've lived in many cities throughout Florida. Including Altamonte Springs, Casselberry, Fern Park, Orlando, Poinciana, and Kissimmee. I would really loved this debt to be removed from my credit report, seeing as I've had no fair warning about your attempt to collect any such debt. Thank you so much.
  Regards,
  
  *******************************
  

  Business Response

  Date: 09/06/2022

  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 ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  Attached herewith please find copies of the Itemized Bills for Consumer's review.  Our client is offering a 60% discount with deletions.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.Thank you

• Initial Complaint

  Date:08/19/2022

  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 services is representing a debt purchased by ******** ******* ********, this is an invalid debt I never owed this debt 11/29/2017 ,I was in ********* hospital I meet my out of pocket my insurance paid this Dr what was owed , back in 2019 I got this sane debt removed , I we r through ********* ******** and **** ****** ** **** I'ms , ability recovery out this in both of my credit reports it's an invalid debt I owed no copay on this visit to Dr or hospital, they refuse to give me thw number of whom this debt originated from , called *** *******, they claim we don't give clue the info out ,but they certainly don't mind posting this fake Dr debt on my credit. I'll go through the process again with ********* hospital,**** ***** **** ****** and Dr that supposed sold this debt to ******** ******* ********. I want proof of this debt from originator of debt , I can prove this is an illegitimate debt. I have recorded my conversation with ability recovery service and will report them to the office of Attorney General of Texas. "He said we can put this debt on your credit ,and refuse to give you any number or info to contact originator of this illegitimate debt. It's illegal to report this fake medical debt

  Business Response

  Date: 08/24/2022

  ******** should be advised that this matter has been placed in a properly disputed status and has been 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 herewith please find the Itemized Bill for ********s review.  ******** should be advised that our client is offering a 50% discount in this matter.  Once Consumer reviews Itemized Bill Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 09/02/2022

  [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]

  The credit collection laws on medical billing are very strict ,in fact anything under $500 will not be allowed to BUREAUs after 2023, I have a bill from you guys that alledges I owed *** $220, FROM 11/17, as you know in 5 years I received no bill from this Dr or ***, you have the address of *** as **** ****** that's incorrect,that's ********* hospital, they've never heard of this company ***,by November 2017 I  had meet my out of pocket as I had a brain tumor , ********* and the Dr had to settle with *** ** ***** ,which they did . You guys don't even have a legit bill ,*** ******* doesn't exist ,this debt is fraudulent, I'm going to contact the Dr but I can assure ,the original creditor,The Dr has to put this on my credit  , I have no collection or medical bills on my credit,I'm on SSI $975 a month income my meds are $13,000 , it's evil what you guys have done , 5 years no bill a cheap printout from a company that no longer exist and never was or has been inside ********* hospital at **** ******. I'm finna complaint against the Dr *********,and with the govt, improper medical billing at CMS.GOV, buy a fake debt from a company that doesn't exist then include it with a wrong address , wow not good ,please drop this debt ,remove it from my credit and let me live the last years of my life in peace 
  
   Complaint: ********
  
  I am rejecting this response because:
  
  Regards,
  
  ***********************

  Business Response

  Date: 09/09/2022

  This matter has been closed and returned to our client ******** ******* ********.  this matter has already been removed from credit reporting. 

• Initial Complaint

  Date:08/18/2022

  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 company reported a collection account that is inaccurate. They took over an old debt from 2017 and listed it as opened on June 2022.

  Business Response

  Date: 08/25/2022

  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 debt.  We received this matter in June 2022 from our client **** *********** ***** for collection.  Attached please find a copy of the Charge off statement from the original creditor ******* ***.  Our client is offering a 50% discount and 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:08/07/2022

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

  Business Response

  Date: 08/17/2022

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

  Customer Answer

  Date: 08/17/2022

  [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:08/07/2022

  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.

  15 U.S.C 1681 Section 602 A: 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 a account without my written instructions. 15 U.S.C 1692C: Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. C 1692b: Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall— (1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer; (2) not state that such consumer owes any debt; (3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information; (4) not communicate by post card; (5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and (6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

  Business Response

  Date: 08/08/2022

  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 Consumer's Itemized Bill for this matter.  This matter is in a Cease and Desist status.  Once Consumer reviews the Itemized Bill Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Our client is offering a 50% discount for this matter.  Thank you

• Initial Complaint

  Date:08/03/2022

  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 is on my credit report resulting in a drop in my score. I have tried for months to get a hold of someone but the number either won't work or the call is dropped. I have called on different phones on different days at different times. I've never received a letter from them trying to collect a debt. I would like this removed on my credit report as it is impossible to pay when the co.pany does not have a way to reach them.

  Business Response

  Date: 08/04/2022

  Consumer should be advised that this matter has been closed in our office and returned to our client ******** **************** on 8/1/2022 and removed from all  credit reporting.  Allow 15-30 days for all bureaus to update.  If you would like to contact our client, ******** ****************, the number is ************.  Thank you

• Initial Complaint

  Date:08/03/2022

  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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ABILITY RECOVERY SERVICE Account #**********, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions and consent. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2(A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

  Business Response

  Date: 08/08/2022

  Consumer should be advised that this matter has been recalled by our client ************************ on 08/08/2022 and removed from all credit reporting bureaus.  Please allow 15-30 days for all bureaus to update.  You may contact our client at

  ************************ and they will advise you as to the status of your matter.  Thank you
  

• Initial Complaint

  Date:07/28/2022

  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 SERVICES is falsely reporting on my credit. Per my research ABILITY RECOVERY SERVICES is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below: A person may not procure or cause to be prepared and investigate consumer report (1) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure (A) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with ABILITY RECOVERY SERVICES. I’m requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking $1,000 per violation for: 1: Defamation 2: Negligent Enablement of Identity Fraud 3: Violations of 15 U S C 1692g

  Business Response

  Date: 07/29/2022

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

• Initial Complaint

  Date:07/27/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted *********************** to determine my balance in order to get reinstated back into school. It was at that time that ****** informed me that my account had been sold to Ability Recovery Services LLC. Upon contacting Ability, I ended up pressing zero because none of the selection was what I was looking for. The phone rang for a few seconds and the gentlemen on the phone picked up and said "William B**********, how can I help you?". I informed him that I needed my account number in order to make an online payment, without missing a beat he ran off a series of numbers to me. I thanked him and disconnected. When I went to the website it just ask for my information and my account number but never my balance. And then I started to think about how the person on the phone knew it was. I called back again, and another person answered the phone but when he answered it, he said it as if he was calling me. I explained to him my concern and he asked if I was working with an agent, I told him I was, and he attempted to connect me, but the phone disconnected. Three days later when an agent did contact me, he told me a balance, I asked him to email me the balance along with my account information. He said that was something they normally put in the mail (which I haven't received) and to this day I have yet to receive my email regarding my balance and account information. At this point Ability Recovery Services LLC is preventing me from returning to college because they won't provide me with the information, I need in order to take care of the balance.

  Business Response

  Date: 08/04/2022

  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 and Ledger for Consumer's review.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you