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:09/07/2023

  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.

  I received an email from ****** ***** stating this company had reported a collection on my credit report for $1,350. First, I never received any medical services in ****** County. Second, if I HAD, I would anticipate receiving a bill prior to being sent to collections- which never happened. Third, upon reviewing other complaints, it is evident this company has a habit of making false collections on credit reports. I work VERY hard for my money, working in healthcare myself, and I work VERY hard to maintain my credit. This false report is making a dent for no reason.

  Business Response

  Date: 09/13/2023

  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 50% 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: 09/14/2023

  [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 never received this bill with the option to pay. Now it is in collections reported to my credit. I want this collection removed from my credit report. 
  
  Regards,
  
  *********************
  

  Business Response

  Date: 09/18/2023

  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.  Our client is offering a 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:09/05/2023

  Type:Order 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've paid this debt.

  Business Response

  Date: 09/11/2023

  Consumer should be advised that this matter has been placed in a properly disputed status.  This matter is not credit reporting.  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 in resolving this matter.  Thank you.

  Customer Answer

  Date: 09/12/2023

  How is it that the name on this notice is incorrect. It has been for the past 9 years. All my information has been updated. Even during the time frame of said notice.

• Initial Complaint

  Date:09/01/2023

  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.

  I received a letter from Ability Recovery Services LLC in PA referring to a debt they claim is from 2019 - but I have no knowledge of. Their letter states they bouth the debt from another collector The letter reverres to a debt (no info on actual medical vendor that I can see) from 3/14/19 which they claim was $2361.67 but which has been reduced to $1797.55. I have never been billed for something I did not pay. My health insurance as of 3/14/19 was through a former employer (************** in Beloit WI). Then after my retirement in June, 2019, I was put on ********* and have a Plan G supplement. This would be very hard for me to trace, not only because 4 1/2 years has passed, but also since my house nurned down April 6, 2019, so all my paper files/records were lost; my laptop was badly damaged as well. I fear this is a hoaz - or just a bad mistake, so don't wish to reply to or engage with Ability REcovery Services and encourage their pestering me for a debt I don't understand. Can BBB find out more about this - or advise me of how to respond?Thank you,*************************

  Business Response

  Date: 09/07/2023

  Consumer should be advised that this matter has been placed in a properly disputed status.  This matter is not credit reporting.  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 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

  I am sorry, but did not receive your reply of Sept 7 about the debt details until I saw your email of today, saying you had not received my response. I am contesting this claim, since my insurance of the time should have paid it (insurance through my former employer **************) and I have not received previous bills. 

  What must I do to continue this matter with BBB and contest the claim?

  Thank you,

  *****

  Customer Answer

  Date: 09/19/2023

  I tried to respond to BBB the other day that I never received a notice from you which ( as your recent online response says I failed to respond to.

  I do now wish to contest this claim, since my insurance at the time (through ************** my former employer) took care of any medical bills from my ER visit in CA that year. The information on the invoice (provided through BBB by ******** ***************** does not say if the ambulance fee was at least partially paid by (or refused by??) my former insurer  at the time, nor why they find it not fully paid.
  Now -four years later - a retired 77 year old living on Social Security and modest payment from my retirement fund - I cannot afford to pay a formerly unknown supposed debt from that period of time  -     since I was unaware of it and do not understand why my former health insurance did not cover it. My house I rent burned down in April 2019, so I lost all records (and moved to a few temporary addresses for  a year until the house I rent from my sons was rebuilt) so that may be a factor; nut I cannot dover this unanticipated old billing. 

  What can BBB do to help me contest this - or record it as being contested? 
  I tried to respond to BBB the other day that I never received a notice from you which I failed to repsond to.

  Thank you,

  ************************* 9/19/23

  Business Response

  Date: 09/26/2023

  Consumer should be advised that this matter has been closed in our office.  Thank you

• Initial Complaint

  Date:08/31/2023

  Type:Order 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 am not liable for this debt for *** ** ********* *********. I do not have a contract with Ability Recovery Services LLC. They did not provide me with the original contract as requested

  Customer Answer

  Date: 09/06/2023

  I am not aware of owing the debt claimed by this company.  I learned of this debt when I saw a derogatory entry on my credit report from a collections agency. I sent a letter to the address listed on the credit report asking for validation but no response was received.  I would like to have this entry removed immediately from my credit report.

  Business Response

  Date: 09/07/2023

  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 40% 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: 09/11/2023

  [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: The validation information requested in the letter that I sent has not been provided. The itemized bill provided does not satisfy as validation. The response from  the company states the following:  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 40% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter."  

  I will pay the debt at the discounted rate offered with the deletion of the debt from my credit report if the company can provide the original invoice from their client that shows that the debt belongs to me. 
  
  Regards,
  
  ***********************

  Business Response

  Date: 09/18/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Our client has advised that this matter is till due and owing and offering a 40% discount with deletion.  Once again our client provided the attached 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: 09/18/2023

  The invoice being provided only shows a date of services and a total due, it does not provide enough information for me to confirm and validate that the debt belongs to me.  I have requested this information in writing from this agency and have asked in this complaint as well but it has not been provided.  Having a conversation with one of the agency's agents will not resolve the matter.  If the debt can not be validated in writing, it needs to be removed from my credit report.   

• Initial Complaint

  Date:08/31/2023

  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.

  I am writing to address a concerning issue regarding the collection activities on Account Number: ***********. On June 26, 2023, I submitted a verification request as per the ***** Finance Code, expecting a response within 30 days. However, to date, I have not received any validation from Ability Recovery Services.This lack of response constitutes a violation of the ***** Finance Code and my consumer rights. I kindly request the immediate removal of the account from collections, in accordance with the code.

  Business Response

  Date: 09/01/2023

  Consumer should be advised that this matter was recalled June 2023, returned to our client and removed from all credit reporting bureaus.  We have performed another deletion for this matter.  Allow 30 days for all bureaus to update.  Thank you

  Customer Answer

  Date: 09/08/2023

  The debt collector is still reporting the Ability account for $520.  When will they return the account and remove it from my credit?

  Customer Answer

  Date: 09/12/2023

  [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:
  

  The debt collector is still reporting the Ability account for $520.  When will they return the account and remove it from my credit?
  
  Regards,
  
  ***********************

  Business Response

  Date: 09/13/2023

  Consumer should be advised that our office has performed another immediate deletion from all credit reporting bureaus.  Please allow 7 days for all bureaus to update.  Thank you

• Initial Complaint

  Date:08/30/2023

  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.

  The claim that owe money them money but I have no signed contract with them they have sent me in the mail and I call them it's like to have my number blocked

  Business Response

  Date: 09/11/2023

  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 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 40% 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:08/29/2023

  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.

  I reviewed my Consumer Report and noticed on 07-10-2023 there is a inaccurate account on my Credit Report Ability Recovery #********** (*******)Ablty Recvry #********** (**********)Ability Recovery Service #********** (********)I have reached out to Ability Recovery Service and ask them to remove any inaccurate account reporting to my Credit Report that they are illegally reporting and ask them to show proof of my original signature and they have not been able to do so. This is in violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

  Business Response

  Date: 09/05/2023

  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 medical debt.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 75% 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:08/28/2023

  Type:Customer Service 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 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: 08/28/2023

  I do not have a physical copy from the collector, however I can retrieve the call logs and their call notes if necessary. I called into the agency to request my original contract. 

  Customer Answer

  Date: 08/28/2023

  I have the emails I have sent to them years ago 

  Business Response

  Date: 08/30/2023

  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 the 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 a 30% 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:08/26/2023

  Type:Order 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 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.

  Customer Answer

  Date: 08/28/2023

  Ability recovery services LLC has only contacted me via phone several times, each time I’ve asked them to provide me via email a copy of the original contract and they have yet to do so. It’s been years. I’ve tried googling to find an email for ability recovery services LLC to ask for the contract however, I have yet to come across any because I wanted proof in black-and-white that I indeed asked.

  Business Response

  Date: 09/18/2023

  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 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 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

• Initial Complaint

  Date:08/25/2023

  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.

  Never was aware of collections in my name till checking my credit report. Scam company never made contact through a legitimate phone number. No voicemail. No written breakdown of charges owed. Fraud company illegal collection techniques. NEGATIVE IMPACT ON CREDIT MUST BE REMOVED!/////Also the details provided on the attached letter is a "SCAM", I never OWED to code 3 emergency room anything ever or anytime on 2019 ///// they never contacted me/// All charges were steeled by my insurance.... In state of Texas Under this Act (Title VIII of the Consumer Credit Protection Act), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. The information used here is fake/ I never visited Code -3 emergency room in year of 2019/ never got a bill from them/////////in the year of 2019/////Those are all wrong/fake information/////I Haven't to be an ER in last 7 years///////--------The scam debt collector here is harassing me for nothing i owe anybody.... The statute of limitations on debt in Texas is very clear. I do not owe code -3 emergency room anything/ Please stop and have this Scam company ruining peoples credits using fake and made up incorrect information , there by acting in bad faith and practicing unfair. I would like them to stay away from my credit report and reverse ASAP anything reported as its A scam.......

  Business Response

  Date: 09/06/2023

  Consumer should be advised that this matter has been placed in a properly disputed status.  This matter is not credit reporting.  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 a copy of the Itemized Bill for Consumer's review.  Our client is offering a 45% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 09/08/2023

  [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 do not owe this company any debt, neither i recognize the fradulent outstanding charges mentioned here. I do not recall any of these services provided to me and the fradulent bill is lacking the orginal date of issue or name of the orginal service provider. Debt collection practices in Texas must comply with both Texas debt collection law and the federal Fair Debt Collection Practices Act. The Federal Trade Commission provides an excellent source of detailed information on its fair debt collection page.
  
  Texas and Federal Law
  Section 16.004 of the Texas Civil Practice and Remedies Code
  The statute of limitations on debt in Texas is four years.
  Section 392.307 of the Texas Finance Code
  This section of the law, introduced in 2019, states that a payment on the debt (or any other activity) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.
  Title 12, Section 1006.26 of the Code of Federal Regulations
  New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts.The Texas Debt Collection Act is the State of Texas’s equivalent of the federal Fair Debt Collection Practices Act (FDCPA). Both laws aim to protect consumers from unfair collection practices and do so by prohibiting debt collectors from using abusive, fraudulent, or misleading tactics during attempts to collect debts. Examples include excessive or threatening phone calls by debt collection agencies, law firms, or debt buying companies—indeed, this is a booming business—are all barred by this strict Texas law. The TDCA also places Texas limitations on debt collection by creating a statute of limitations for bringing lawsuits against borrowers.Texas Civil Practice and Remedies Code 16.004 controls the statute of limitations on debt in Texas. The statute of limitations on debt in Texas is four years. The OCCC frequently receives questions and complaints from consumers about the negative debt collection practices they experience. Examples of unlawful creditor behavior include excessive amounts of telephone calls to debtors, misrepresentation of the facts to third parties, threats of arrest, and illegal repossession.
  The collection agency must provide a copy of the creditor contract IAM ASKING FOR IT RIGHT NOW AND NEEDED IT ASAP: If the creditor has sold your debt to a collection agency, the agency is required to keep a copy of the contract between you and the original creditor on file that shows your account number with the original creditor. I WOULD LIKE TO SEE THIS AND VERIFY IT ASAP/PLEASE SEND IT TO ME
  
  Regards,
  
  ************************************

  Business Response

  Date: 09/25/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status.  Our client is advising that this matter is still due and owing.  Thia matter is not credit reporting.  Our client is offering a 45% deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 09/25/2023

  [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 do not recognize the fradulent company, neither i owe any debt or money to them. I have requested a copy of contract and agreement which the alleged orginal creditor and fradulent company which they are legally obliged to provide me under law. The only dispute here is who is this fradulent company? where is the copy of agreement or contract between them and the oginal creditor ? who authorize you to contact me? WHERE IS THAT COPY OF THE CONTRACT BETWEEN YOU AND ALLEGED OORGINAL CREDITOR WHICH BY YOU SAY YOU ARE DISPUTING SOMETHING? YOU ARE REQUIRED TO PROVIDE IT TO THE CONSUMER AS FUL DISCLOSURE AND IS REQUIRED BY LAW SO CONSUMER KNOW HAT YOU ARE NOT A SCAM/////I HAVE REQUESTED IT MULTIPLE TIMES??/ wHERE IS IT??????????  BBB please take notice of this harassing by E-mai it need to stop///// This can clear the folowing
  Using fraudulent collection tactics, including:
  using a false name or identification
  misrepresenting the amount of the debt or its judicial status
  sending documents to a debtor that falsely appear to be from a court or other official agency
  failing to identify who holds the debt
  misrepresenting the nature of the services rendered by the collection agency or the collector
  falsely representing that the collector has information or something of value in order to discover information about the consumer
  YOU ARE REQUIRED TO PROVIDE ME A COPY OF THE CONTRACT AND must prove that YOU  purchased your debt from THE ALLEGED ORGINAL  creditor. Generally, th by providing a copy of the purchase agreement when the consumer request and is required by law. THIS IS THE DISPUTE HERE////ARE YOU A SCAM???????BBB PLEASE TAKE NOTICE OF THIS UNFAIR PRACTICE AND CONSUMER INTIMIDATION//////failing to identify who holds the debt IS a fraud---------------------------------------------Under the Fair Debt Collection Practices Act (FDCPA), collection agencies cannot use abusive, unfair or deceptive practices. I would like you to stop and iam going to report you to FDCPA, the Federal Trade Commission (FTC) for harassment ans fraud, failing to identify..........I do not recognize this company and  owe no debt to them//////
  Regards,
  
  ************ ***********

  Business Response

  Date: 10/12/2023

  Consumer should be advised that this matter shall remain in a properly disputed status (Cease and Desist).  Ability Recovery Services is a third party debt collection agency representing our client Cascade Funding (a medical debt buyer) in the collection of their outstanding medical debt.  Attached again is the Itemized Bill for Consumer's review.  Our client is still offering a 45% discount.  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.  Note:  This matter is not credit reporting.  Thank you

  Customer Answer

  Date: 10/14/2023

  I AM NOT LIABLE FOR THIS DEBT WITH ABILITY RECOVERY SERVICES NOR DO I HAVE A CONTRACT WITH THEM. ABILITY RECOVERY SERVICES DID NOT PROVIDE ME ANY INFORMATION THAT I HAVE REQUESTED. THIS COMPANY DOES NOT HAVE A LICENSE TO COLLECT IN MY STATE

  Customer Answer

  Date: 10/14/2023

  [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 NOT LIABLE FOR THIS DEBT WITH ABILITY RECOVERY SERVICES NOR DO I HAVE A CONTRACT WITH THEM. ABILITY RECOVERY Please provide me with the following: What the money you say I owe is for? I TOTALLY REJECT THE MONEY AND SERVICES YOU SEND ME ON THE FAKE BILL AS I DO NOT RECIVE ANY OF THOSE SERVICE MENTIONED. Explain and show me how you calculated what you say I owe? Provide me with copies of any papers that show I agreed to pay what you say I owe: (I DO NOT AS I NEVER RECIEVED THOSE SERVICES) Please provide me a copy of agreement or contract that authorzes ablity recovery services to collect debt behalf of orginal creditor as i can be sure its not a scam.  Please Identify the original creditor and your contract and a copy of authorization: Prove/ prove that  the Statute of Limitations has not expired on this account (I need the date of service as i cannot recall anythng on the fake bill): • Show me you are licensed to collect in my state beyond statue of limitations: Provide me with your license numbers and Registered Agent or Agent of Service:

  BBB please note the ability SERVICES DID NOT PROVIDE ME ANY INFORMATION THAT I HAVE REQUESTED. THIS COMPANY DOES NOT HAVE A LICENSE TO COLLECT IN MY STATE/IAM  ALSO REQUESTING ABILITY RECVER SERVICES TO CEASE AND DESIST/ all communications regarding the fke debt and and fake bill that i do not recognize on services i never recieved.
  
  Please note-Ability recovery services to date -DID NOT PROVIDE ME ANY INFORMATION THAT I HAVE REQUESTED. THEY CONTINUE TO HARASS ME BY ACTING IN BAD FAITH AND IGNORING, NEVER PROVIDING THE REQUESTED INFORMATION BY THE CONSUMER. THEREBY  VIOLATING THE FAIR DEBT ACT PRACTICES AND STATE LAW AND SENDIND THREATINING E-MAILS AND SCARE TACTICS/ THIS COMPANY DOES NOT HAVE A LICENSE TO COLLECT IN MY STATE/IAM  ALSO REQUESTING ABILITY RECOVERY  SERVICES TO CEASE AND DESIST/ all communications regarding the fAke debt and and fake bill that i do not recognize on services i never recieved. I never recived those services and not sure how they billed it ?
  Regards,
  
  ************************************

  Customer Answer

  Date: 10/14/2023

  More InformatioI am rejecting this response because:
  I AM NOT LIABLE FOR THIS DEBT WITH ABILITY RECOVERY SERVICES NOR DO I HAVE A CONTRACT WITH THEM. ABILITY RECOVERY Please provide me with the following: What the money you say I owe is for? I TOTALLY REJECT THE MONEY AND SERVICES YOU SEND ME ON THE FAKE BILL AS I DO NOT RECIVE ANY OF THOSE SERVICE MENTIONED. Explain and show me how you calculated what you say I owe? Provide me with copies of any papers that show I agreed to pay what you say I owe: (I DO NOT AS I NEVER RECIEVED THOSE SERVICES) Please provide me a copy of agreement or contract that authorzes ablity recovery services to collect debt behalf of orginal creditor as i can be sure its not a scam.  Please Identify the original creditor and your contract and a copy of authorization: Prove/ prove that  the Statute of Limitations has not expired on this account (I need the date of service as i cannot recall anythng on the fake bill): • Show me you are licensed to collect in my state beyond statue of limitations: Provide me with your license numbers and Registered Agent or Agent of Service:
  BBB please note the ability SERVICES DID NOT PROVIDE ME ANY INFORMATION THAT I HAVE REQUESTED. THIS COMPANY DOES NOT HAVE A LICENSE TO COLLECT IN MY STATE/IAM  ALSO REQUESTING ABILITY RECVER SERVICES TO CEASE AND DESIST/ all communications regarding the fke debt and and fake bill that i do not recognize on services i never recieved.
  
  Please note-Ability recovery services to date -DID NOT PROVIDE ME ANY INFORMATION THAT I HAVE REQUESTED. THEY CONTINUE TO HARASS ME BY ACTING IN BAD FAITH AND IGNORING, NEVER PROVIDING THE REQUESTED INFORMATION BY THE CONSUMER. THEREBY  VIOLATING THE FAIR DEBT ACT PRACTICES AND STATE LAW AND SENDIND THREATINING E-MAILS AND SCARE TACTICS/ THIS COMPANY DOES NOT HAVE A LICENSE TO COLLECT IN MY STATE/IAM  ALSO REQUESTING ABILITY RECOVERY  SERVICES TO CEASE AND DESIST/ all communications regarding the fAke debt and and fake bill that i do not recognize on services i never recieved. I never recived those services and not sure how they billed it ?
  Regards,
  
  *************************************...

  Business Response

  Date: 10/16/2023

  As per our client ***********************, this matter is still due and owing.  Our client is still offering a 45% discount for this matter.  Consumer may contact our office and a representative would be happy to assist you in resolving this matter.  Thank you

  Customer Answer

  Date: 10/21/2023

  [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 I have requested "validation" {not verification} of an item reported to you by the above original creditor/collection agency.And a copy of contact along with proof that authorizes Abiity recovery services and yur licence copy to collect in state of texas.They just ignore the request and never responded to my honest enquires. I have received a response that does not indicate or prove:1. I had this service.2. What services I am being charged for.3. What the cost of each service I am being charged for. Furthermore, Ability Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. Should this item not be deleted within the required time allowed by law I will seek every remedy available to me. I  urge you to take this extremely seriously and have this deleted . I encourage a response from you expeditiously.

  Regards,
  
  ************ ***********

  Customer Answer

  Date: 10/21/2023

  More InformComplaint: ********
  
  I am rejecting this response because:
  Please be advised I have requested "validation" {not verification} of an item reported to you by the above original creditor/collection agency.And a copy of contact along with proof that authorizes Abiity recovery services and yur licence copy to collect in state of texas.They just ignore the request and never responded to my honest enquires. I have received a response that does not indicate or prove:1. I had this service.2. What services I am being charged for.3. What the cost of each service I am being charged for. Furthermore, Ability Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. Should this item not be deleted within the required time allowed by law I will seek every remedy available to me. I  urge you to take this extremely seriously and have this deleted . I encourage a response from you expeditiously. I have requested information from them include HIPPA realsea signed by me authorizing them to recieve  PROTECTED HEALTH INFORMATION fromorginal creditor. None of this has been provided in last 30-60 days other than they keep repeating the same thing. Please resolve this complaint ASAP
  
  Regards,
  
  ************ ****************...