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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

    • 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:09/27/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company has placed a debt on my consumer report, and I have never had a contract or done any business with them. The company they are trying to collect for has settled a class action lawsuit in court dissolving the debt or any person affected by the ruling. Please remove this account from my consumer report immediately.

      Business Response

      Date: 10/10/2023

      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 and Ledger whereby Consumer agreed to all of the terms and conditions of same.  Also attached please find our client's response to your BBB Complaint.  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

      Customer Answer

      Date: 10/11/2023

      [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:

      Under FDCPA(fair debt collection practices act) you must be given written permission to report or collect from a consumer. I’ve never given ****** or ability recover any permission to do either. They failed to provide proof supporting their claims and they lied in this responds about a class action lawsuit that is very easy to find. So I’ve attach a free images from the class action lawsuit that they claim doesn’t exist. 

      Regards,

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

      Business Response

      Date: 10/16/2023

      As per our client *********************** this matter is still due and owing.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:09/26/2023

      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.
      To whom this complaint goes to. My name is ********************************** and I am filing a complaint against Ability Recovery Services. I was seen at ********* *** emergency room on 12.28.2021. I have never received a billing statement from ********* and all bills were paid in full. ********* provided ****** Physician Services with my medical insurance information, but no claims were ever received from ********** **** ******. I am now receiving collection calls from Ability Recovery Services for ****** Physician services for the full charged amount of $972.00. I was completely unaware that I even had a bill, nor did I receive one in the mail, email, or even a phone call. I have tried to provide billing information, but they would not accept. When speaking with the Ability Recovery Services representative, she did not even know the correct company she was trying to collect for. If ****** Physician Services did not properly bill my insurance, I should not be responsible for the full amount 2 years later. I also have provided my ********** **** ****** claims history report. I would like this to be removed from collections if there is any questions, please contact me at ************. I appreciate your time.

      Business Response

      Date: 09/29/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 35% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:09/25/2023

      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'm a Disabled Veteran and was hospitalized by the ******************************. They ordered an ambulance to transport me to the hospital. They are supposed to pay for the transport but now I'm getting billed the amount of $1,794.00. Its terrible how veterans that fought for this country get treated

      Business Response

      Date: 09/28/2023

      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 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:09/24/2023

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

      Customer Answer

      Date: 09/25/2023

      I have requested multiple times over the phone and was hung up on the first time the second time I requested no one wanted to give me any information.

      Customer Answer

      Date: 09/26/2023

      I have requested multiple times over the phone and was hung up on the first time the second time I requested no one wanted to give me any information.

      Business Response

      Date: 09/28/2023

      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.  Please be advised that our client is offering a 35% discount 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: 10/09/2023

      This was not handled the company did not provide proof of any of the following I do not have a contract with this party and they are breaking the law on this issue what do I need to prove so

    • Initial Complaint

      Date:09/20/2023

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

      Customer Answer

      Date: 09/23/2023

      Hello, 

      I mailed in my original document and did not make a copy. I am asking for your assistance in removing this account from my credit report as they did not provide me with validation of debt within 30 days, legally required documentation.

      Business Response

      Date: 09/27/2023

      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 60% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 09/28/2023

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: ********

      I am rejecting this response because: Please be advised this is not a refusal to pay, but a notice that your claim is disputed in its entirety and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of debt. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. This is not a request for verification or proof of my name, dob or physical address. I am requesting documents/contracts baring my signature supporting your claim. 

      Regards,

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

      Business Response

      Date: 10/05/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  As per our client, this matter is still due and owing.  Attached is the Itemized Bill with all pertinent information for Consumer's review.  Our client is still offering a 60% 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: 10/11/2023

      [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: I am writing in response to the recent communication I received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the FDCPA. As I stated previously, I do not have nor have ever had a contract with **** or ******** ******* ********.  I dispute the validity of the debt and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request any/all contracts or agreements baring my signature, demonstrating my obligation to pay. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. 

      Regards,

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

    • Initial Complaint

      Date:09/18/2023

      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.
      Four accounts were placed on my credit without an initial demand letter being sent. When disputed the validation still was not sent to me, including the demand letter. I have zero knowledge of these debts and am not getting the correspondence I am entitled to. 

      Business Response

      Date: 09/27/2023

      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 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 Billing for Consumer's review.   Our client is offering a 60% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving these matters.  Thank you

    • Initial Complaint

      Date:09/15/2023

      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.
      FTC report is attached I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. ********** ***************** *** ** *******. PRESUME THAT NO PROOF OF THE ALLEGED DEBT IN FACT THEREFORE EXISTS.

      Business Response

      Date: 09/18/2023

      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:09/12/2023

      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.
      Ability Recovery Services LLC has a collection account on my ******* credit report. I have asked them on more than one occasion to send me certain documents to verify the debt. They refuse to send me the information and its been over 60 since I first sent them a dispute letter. They are constantly reporting to the credit bureau despite my request and despite violating my rights as a consumer. I have no agreement or obligation to pay them. Attached is proof of delivery of last dispute letter.

      Business Response

      Date: 09/15/2023

      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 and Ledger whereby Consumer agreed to all of the terms and conditions of same.  Our client is offering a 45% 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: 09/18/2023

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your 

       Complaint: ********

      I am rejecting this response because:
      The company still has not provided me a contract or terms of condition with my signature agreeing to pay Ability Recovery Services LLC. *********************** is a separate entity with separate conditions that has been addressed. Ability Recovery  Services LLC is in clear violation of 15 USC 1861. Please remove from my consumer reports. 

      Regards,

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

      Business Response

      Date: 09/26/2023

      Consumer should be advised that this matter has been closed in our office and removed from all credit reporting bureaus.  Please allow 7 days for all bureaus to update.  Thank you

      Customer Answer

      Date: 09/26/2023

      [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:09/11/2023

      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.
      March ,06,2023 this account appeared on my credit this not my account I do not owe ability recovery services any money or I have never had an contract with them the original creditor on my credit says ****** *** **** I do not have a contract with and never had one ever I do not owe them money please remove I've asked multiple times and it's still there

      Business Response

      Date: 09/15/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client, a medical debt buyer, in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 35% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:09/09/2023

      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 the debt with Ability Recovery Service. 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: 09/14/2023

      Attached is the letter sent to Ability Recovery Services in which I got back no response

      Business Response

      Date: 09/18/2023

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

      Customer Answer

      Date: 09/28/2023

      The response Ability sent has not answered the attached letter I sent them a few months back. All they sent over was a sheet of paper that could have been manufactured by someone. I think they should read the letter, thoroughly, that I sent them. I don't believe I owe them or anyone a debt.

      Customer Answer

      Date: 09/29/2023

      [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:

      Regards,

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

      Business Response

      Date: 10/02/2023

      Consumer should be advised that this matter has been and shall remain in a properly disputed status.  Our client ************************ is offering a 60% discount 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: 10/04/2023

      You've sent the same document over, which could have been manufactured. Again, may be please send everything requested in the attached letter and I will be happy to pay the sum if owed. The document you sent seems doctored. 

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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