Business Profile

Collections Agencies

Ability Recovery Services LLC

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Complaints

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

Customer Complaints Summary

453 total complaints in the last 3 years.
127 complaints closed in the last 12 months.

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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:08/25/2023
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.
This account is illegally reporting on my credit report. This collection is violating my privacy and HIPAA law. I'd like for this to be removed.
Business Response
Date: 08/31/2023
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 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:08/22/2023
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 have called several times and also sent proof that what they are reporting on my credit report with ******** is not TRUE. I called in and spoke to a gentleman that instructed me to send my ******** card to show that this medical debt did not belong to me and was already removed from my credit report prior by ****** ********* ********** before transferring the debt over to ABILITY RECOVERY SERVICES for whatever reason. They are violating my HIPPA rights by reporting information that does not belong to me on a credit report which I have ******** that clearly covers my medical. This company does not have an ORIGINAL CONTRACT that I have signed with ABILITY RECOVERY SERVICES that has me responsible for any type of debt. I am days away from my second rescheduling of closing on my home and this company is creating damages that if NOT REMOVED from my ******** credit report I will seek legal action on. They cannot report medical debt especially if I have ******** and this derogatory was already removed by ****** ********* **********. I WILL NOT let my credit get tarnished over this; this is not RIGHT. Please remove the following COLLECTION reporting on the ******** Credit report NAME: ***** ******** ADDRESS: ***** ** **** ****** BOX *** Miramar, FL ***** ACCOUNT # *********** AMOUNT ( NOT AGREED) $1,929.00 DATE OPENED: July 08,2023
Business Response
Date: 08/29/2023
Consumer should be advised that this matter was settled in full on 08/25/2023 and removed from all credit re[porting bureaus. Thank you
Initial Complaint
Date:08/17/2023
Type:Customer Service 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 with ****** ********* ********. 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: 08/21/2023
I have submitted a copy of the letter requesting the original contract and the certified mail receipt. I DO NOT have a contract with Ability Recovery Services.
Business Response
Date: 08/29/2023
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 collector 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 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: 08/30/2023
[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:08/15/2023
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. They did not provide me with the original contract I requested.
Customer Answer
Date: 08/16/2023
I submitted a letter to the company which was mailed on 6/6/2023 via USPS. I also made calls to the debit collector requesting the information. I was sent to several people with no intentions on providing the documentation. This company has violated my rights.
Business Response
Date: 08/29/2023
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 *********************** 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 to same. Please be advised that 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: 08/30/2023
[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 signature on this account is invalid. Please remove this off my credit report. My name is not ***************************. The signature on this agreement is ***************************. This is a clear indication that this account is not mine and the agreement is invalid. Photo attached.

Regards,

***************************
Customer Answer
Date: 08/30/2023
Adding to my previous compliant. The email address is invalid along with the signature name. This agreement is not consistant and invalid.
Business Response
Date: 09/01/2023
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 represents our client *********************** in the collection of their outstanding debt. Our client has advised that this matter is still due and owing. Our client is offering 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:08/14/2023
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.
After reaching out to Ability Recovery Services twice (initial letter sent June 6th and second letter sent July 19th) through certified mail (cert.no.:******************** and cert. no.:**********************), asking them to validate the debt they are reporting on my credit report and to provide proof I authorized them as a third party to receive my protected medical information, they sent me a second letter last week, dated July 28th, again verifying the debt that they are reporting on my credit report. The letter provided a response that does not indicate or prove that I had the service they are reporting a debt for, what services I am being charged for, and the cost of each service(s) I am being charged for. FDCPA requires them to validate the debt, not verify it. It also requires them to provide proof (signed HIPPA release form) that I authorized them as a third party, to receive my confidential, protected medical information. Not only did Ability Recovery Services LLC not validate the debt, but they also did not provide the signed HIPPA release form to prove I authorized them to receive my confidential information. Ability Recovery Services and their client VIOLATED my HIPAA rights. Should this item not be deleted within the required time allowed by law, I intend to pursue all options within my legal rights under the law to remedy this matter, including damages. A prompt response is highly encouraged.
Business Response
Date: 08/15/2023
Consumer should be advised that these matters have 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 copies of the Itemized Bills for these matters. Our client is offering a 55% discount for bother matters. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Customer Answer
Date: 08/16/2023
I am rejecting this response because Ability Recovery Services and their client continue to violate my HIPPA rights. They should not be in possession of my (protected) medical information without my authorization of release. Additionally, the documents they sent do not validate the debt that they are reporting on my credit report in accordance to FDCPA. I demand that they immediately discard my confidential medical information and cease reporting on all bureaus.

Regards,

*******************************
Initial Complaint
Date:08/12/2023
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.
ABLTY RECVRY (Original Creditor: ***** ***** ********** **) Account number: *********** Date Opene: 12/20/2022 Balance: $670.00 I received a notice that I have a collection from ABLTY RECRVY on my credit report. It says it was opened on 12/20/2022 for (balance) with account number starting in (account number) that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA. I would like for this collection to be removed ASAP or I will file a **** and FTC report.
Business Response
Date: 08/29/2023
Consumer should be advised that this matter has been recalled by our client *********************** on 8/24/23 and removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Initial Complaint
Date:08/11/2023
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 was contacted this morning at 11:04 am by Ability Recovery Services, apparently about collecting a debt of $600. I was in a building for work and we were disconnected upon me stepping into an elevator. I later checked my voicemails and had a rather nasty message from the account manager, to which I did not respond. I then received a rather nasty email from her calling me unprofessional and rudely demanding I call her back and to stop hanging up on reps. I wrote her back explaining I did not hang up on her and that we got disconnected. She proceeded to email me 8-10 more times over the next half an hour. Each one was increasingly unhinged. And I fought back because I'm not about to treated like that by anyone. She's getting paid to call and email and harass people? I understand contacting people is part of her job; but I'm guessing harassing people is not. She has nothing better to do that call and email and call and email little old me? It doesn't even have anything to do with collecting a debt. It's just her being a psycho. I'm a lawyer and if I conducted myself in that manner, I would have no clients and a terrible reputation in the community. Her name is *******************.
Business Response
Date: 08/29/2023
Consumer should be advised that our client *********************** has recalled this matter on 8/24/23 and removed all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Initial Complaint
Date:08/10/2023
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 with this debt ******* EMERGENCY GROUP L. I do not have a contract with ABILITY RECOVERY SERVI. They did not provide me with the original contract as I requested.
Customer Answer
Date: 08/11/2023
April 12th, 2023
Dear Ability Recovery:
I am responding to your contact about a debt you are trying to collect. After reviewing my credit I see that you have placed a collection on my credit with the original account owner being ******* ******** *****.
Please supply the information below so that I can be fully informed:
Why you think I owe the debt and to whom I owe it, including:
The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including:

A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Provide the original contract you say I have with ******* ********* *****.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation.
Sincerely,
Customer Answer
Date: 08/11/2023
Attachment sent
Business Response
Date: 08/29/2023
Consumer should be advised that this matter was closed in our office and removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Business Response
Date: 08/30/2023
Consumer should be advised that this matter was closed in our office and removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update. Thank you
Initial Complaint
Date:08/09/2023
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.
My name is ************************* and I have been contacted by Ability Recovery Services, LLC regarding a collection with an original debtor called *** ********* and when asked for proof of this claim, Ability Recovery Services, LLC only post or provides "verified". I have never done business with an original debtor called *** *********.I have not received any proof of this debt from Ability Recovery Services, LLC collection agency, only the run around, where rep. ********************* is requesting me to provide information of an original debtor, noted as *** *********.I also contacted Texas Secretary of State and Fort Bend County, Texas, whom both assisted me with showing, there is no such business entity or company in existence named *** *********, respectively. Ability Recovery Services, LLC has failed to provide proof, for over 90 days and per the Fair Credit Reporting Act, laws, Ability Recovery Services, LLC, has 30 days to provide proof for verification. Ability Recovery Services, LLC has failed to provide proof and instead, Ability Recovery Services, LLC, has been harassing me for information, in a phishing tactic to get information **** have contacted all three (3) credit bureaus, who reported that Ability Recovery Services, LLC has only provided "verified", without any information to verify. I am also attaching proof that there is no such company called *** *********, operating in the State of Texas or Fort Bend County, Texas and I have never done business with *** *********, nor heard of *** *********.I have spoken to ********************* on several occasions and am demanding this collection attempt be removed, immediately.I have not entered into any contract with Ability Recovery Services, LLC, nor *** *********.I am requesting immediate removal of any collection efforts, made by Ability Recovery Services, LLC, as this is not my debt!
Business Response
Date: 08/15/2023
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 medial debt buyer, in the collection of their outstanding medial debt. Attached please find a copy of the Itemized Bill for this matter. Our client is offering a 55% 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:08/08/2023
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.
Hello My name is ***************************. This company reported a collection account with debt owed to my ******** credit profile. I have ************** with ******* and my medical is completely covered. This company is reporting this debt which was already removed from my credit prior. They bought this debt from the original creditor ****** Emergency and now they are effecting me from purchasing my first home because this appeared on my credit I have already sent a cease and desist to this company. I need them to report this accurately and remove this debt which is not mine because I'm covered with ******** and have been. If this is not done then I will seek litigation and make sure that my attorney sues for any FCRA violations
Business Response
Date: 08/10/2023
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 for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you

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Ability Recovery Services LLC is NOT a BBB Accredited Business.