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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:11/30/2023

      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 am attaching my letter. This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed.

      Customer Answer

      Date: 12/02/2023

      No its not the same complaint 

      Customer Answer

      Date: 12/05/2023

      I am ejecting this response because: Great you just admitted that you are not my creditor on my credit report. You are breaking 15 U.S. Code § 1692e. False or misleading representation, as only creditors can report on my credit report.
      You admitted per last response that you aren't a creditor of mine and haven’t provided any validating documents that i previously requested. You are also breaking Code § 1692g. Validation of debts. As in ****** vs ***** ***** Corp ., No ******* (C.D. Cal. Nov.14 1995) you are liable for your willful non compliance. This is my SECOND documented request with BBB asking you to provide any contact signed between you DEBT COLLECTOR and the original creditor notarized  and sworn under penalty and perjury for you DEBT COLLECTOR for the ability to collect this alleged debt. You obviously ignored my first request which have been documented and sent to the FTC and CFPB for willful non compliance. You are taking advantage of consumers and this isn’t right. Please remove yourself from my credit report

      Business Response

      Date: 12/18/2023

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

    • Initial Complaint

      Date:11/29/2023

      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 Service, They did not provide me with the original contract as I requested.

      Business Response

      Date: 12/06/2023

      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 55% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:11/29/2023

      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, they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/06/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party 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 45% 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:11/21/2023

      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 requested

      Customer Answer

      Date: 11/22/2023

      I don’t have a contract with this creditor and It wasnt me that delt with them can y’all please remove names that aren’t mine from my credit report there is like 4 names that thanks

      Business Response

      Date: 12/01/2023

      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 ***********************, e 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 40% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 12/01/2023

      [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:
      Like I said I do not have a contract with who ever they think they are they did not provide me with the original contract as requested.
      Regards,

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

      Business Response

      Date: 12/05/2023

      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 representing our client *********************** in the collection of their outstanding medical debt.  As per our client this matter is still due and owing.  Our client is offering a 40% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this mater.  Thank you

    • Initial Complaint

      Date:11/19/2023

      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 service. They have not provided me with an original contract as instructed.

      Customer Answer

      Date: 11/20/2023

      This account is over 10 years old and was paid by my insurance to ********* ********* **********. I don't have the initial email I sent to them requesting an itemized bill, and I am no longer employed by the company that was offering insurance. Is there another way to verify that this was satisfied and does not belong to me because I do not have a contract with these people

      Customer Answer

      Date: 11/24/2023

       I never signed a HIPAA release for them to receive my information and for that information to have been released to them. This is a direct violation of the “HIPAA privacy act“ 

      Business Response

      Date: 12/06/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client ***********************, 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 60% 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:11/14/2023

      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.
      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

      Customer Answer

      Date: 11/15/2023

      I don't necessarily have a document because I couldn't find a email but I did call twice to get the hung up on then once I talk to them they said they are going to send never got anything back 

      Business Response

      Date: 11/17/2023

      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 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: 11/27/2023

      [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:

      Hey I filed a complaint on this before but I don't know anything about this bill they put on my credit score haven't got any letters on this and hard to talk to anyone about without them getting a attitude or hanging in my face

      Regards,

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

      Business Response

      Date: 11/27/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client in the collection of their outstanding 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.  As per our client this matter is still due and owing.  Consumer may contact our office and a representative and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:11/13/2023

      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.
      I trust this letter finds you well. I am writing to address a matter of significant concern regarding the violation of my federally protected consumer rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C 1681. The account details in question are as follows: Account Name: ABLTY RECVRY Account Number: ******* It has come to my attention that my rights to privacy and confidentiality, as outlined in 15 U.S.C 1681 Section 602 A, have been compromised. The FCRA expressly grants me the right to privacy, and I expect that my confidential information is handled with the utmost care and compliance. Moreover, according to 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency cannot furnish an account without my written instructions. To the best of my knowledge, I have not provided such instructions, and I am concerned that this provision may have been violated concerning the specified account. Additionally, I draw your attention to 15 U.S.C 1681c (a)(5), which prohibits consumer reporting agencies from including adverse information in a consumer report, with exceptions for records of convictions of crimes that antedate the report by more than seven years. I request clarification on any adverse information reported on my account, as it may be in violation of this provision. Furthermore, under 15 U.S.C. 1681s-2 (A)(1), it is stated that 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. I urge you to promptly review the accuracy of the information related to my account and take corrective action if any inaccuracies are identified. I trust that Ability Recovery Services LLC will conduct a thorough investigation into this matter and take the necessary steps to remedy any violations of the FCRA. Your prompt attention to this issue is appreciated. Thank you for your cooperation in resolving this matter.

      Business Response

      Date: 11/20/2023

      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, ***********************, 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  20% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you.

    • Initial Complaint

      Date:11/13/2023

      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.
      They address that is on file is not my address and IAM A VICTIM OF IDENTITY THEFT AND I DO HAVE A IDENTITY THEFT REPORT FILED AND I HAVE NOT HAD PHYSICAL THERAPY ANYTIME RECENTLY AND 3,414 was tooking out my account and I want it refunded back AS SOON AS POSSIBLE

      Business Response

      Date: 11/17/2023

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

    • Initial Complaint

      Date:11/10/2023

      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.
      This company is harassing me and have fraudulently obtained my personal information.

      Business Response

      Date: 11/21/2023

      Consumer should be advised that this matter has been placed in a cease and desist status.  There will be no calls or mail for this matter.  Than you

      Customer Answer

      Date: 11/21/2023

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

      Regards,

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

    • Initial Complaint

      Date:11/09/2023

      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 been checking over my Credit Report and Noticed some Incorrect information on it . In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name: Ability Recovery Service LLC , Address PO Box 4031 Wyoming,Pa 18644 or 284 Main street. Dupont ,Pa 18641-1960 : Open start Date : Nov.10,2022 , Last reopening Date: Oct.27,2023 , Amount : $879.00 , has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1681 c. (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. 1681 s-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: 11/10/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********** in the collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.  Consumer may cancel this matter for $297.20 with deletion.  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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