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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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Ability Recovery Services LLC has 3 locations, listed below.

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    Customer Complaints Summary

    • 453 total complaints in the last 3 years.
    • 127 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:08/07/2023

      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 writing this letter to urgently request the removal of inaccurate and unjustly reported debt information from my credit history. The reported debt from Ability Recovery Services LLC is incorrect and has severely impacted my credit score and financial well-being. I have already taken all necessary steps to address this matter with the original creditor, ***********, and have confirmed that my school balance has been paid in full. Account number *********** Despite having settled my outstanding balance with *********** the reported debt from Ability Recovery Services LLC remains on my credit report. This inaccurate reporting is unjustly tarnishing my credit history, causing undue stress, and hindering my financial prospects. I am formally requesting the following actions to be taken without delay:Immediate removal of the inaccurate debt information related to Ability Recovery Services LLC from my credit history.I cannot stress enough the urgency of this matter. The inaccuracies on my credit report have already had significant negative consequences, and I am determined to restore the accuracy of my credit history as swiftly as possible.This letter serves as an official request for the removal of inaccurate information under the provisions of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am well aware of my rights as a consumer, and I am committed to ensuring that my credit history is a true reflection of my financial responsibility. I expect an immediate response to this matter and a confirmation of the actions taken to rectify the inaccuracies within 15 days from the receipt of this letter. Failure to comply with this request will leave me with no choice but to take necessary legal actions to protect my consumer rights. Please treat this request with the utmost urgency and professionalism. I have retained copies of this letter and all relevant documentation for my records.

      Business Response

      Date: 08/16/2023

      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.  This matter is not paid in full as all of the payments made had been charged back.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:08/04/2023

      Type:Order 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.
      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 requested

      Customer Answer

      Date: 08/04/2023

      Have called them several times

      Customer Answer

      Date: 08/08/2023

      Have called them several times

      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 collect ion 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 70% discount with deletion for this mater.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 08/10/2023

      [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:08/03/2023

      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 contacted Ability Recovery Servi on 7/15/2022 and 5/12/2023 in writing and by phone, they could not confirm or provide me with any proof of validity of account or services. I also reached out the credit bureau several times and they failed to remove this erroneous account. I never applied for an account with this company they could not produce an application date or any signatures of mine.

      Business Response

      Date: 08/08/2023

      Consumer should be advised that we are unable to locate your matter.  We cannot match name, address or telephone number.  We will require additional information.  Different name, Date of Birth.  Thank you

    • Initial Complaint

      Date:08/02/2023

      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 absolutely NO knowledge of this collection account or what it is for! Elaborate! I've seen multiple reviews that your a scam artist collection company and I do not need another bogus, negative mark on my credit report!

      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 65% 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:07/28/2023

      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.
      I am disputing the accuracy of information that has been reported to my credit report. I am requesting original documentation of the account along with verifiable proof that I have been informed of the accounts being opened, late, and sent to collections. According to the provisions of the Fair Credit Reporting Act 611(a) [15 USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 (a)(6) [15 USC 1681j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [15 USC 1681j], there should be no charge for this report. Thank you

      Business Response

      Date: 08/01/2023

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

      Customer Answer

      Date: 08/01/2023

      [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:07/28/2023

      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.
      July 28, 2023 ******* ***** *** ********** ** Lynchburg VA ***** SSN: *********** DOA:********** Ability Recovery Services LLC 284 Main St Dupont PA 18641 According to the Fair Credit Reporting Act, Section 609(a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable account. I demand the following accounts be verified or removed immediately: ***** Thanks,*************************

      Business Response

      Date: 07/31/2023

      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 *********** 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 the following:  To cancel $589.80 or a 30% discount to continue $1,146.81.  5.7% has been completed.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

    • Initial Complaint

      Date:07/28/2023

      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.
      In addition to a formal inquiry into the business practices of this company submitted to ********************* office at the Pennsylvania Secretary of State; it is my hope that the BBB can facilitate the removal of a re-aged account on my credit report. This account, WITH NO DETAILS as to account type, limit, amount due, etc has a CLAIMED amount of $1,472.00 and originated from a company only referred to as *** ***** ********* *** *. This account has a FALSE age of the account as 0 years, 1 month. I have sent request upon requests to both Red stick and previous agencies for VALIDATION or origin of this debt/bill via registered USPS mail; and they have refused by lack of action (and way over a 60 day requested term as mandated by law). In violation of the FCRA Section 623(5)(A) Re-aging is a serious violation of the Fair Credit Reporting Act, Ability is CLEARLY re-aging this account from red stick and it can be CLEARLY proven should the need for jurisprudence arise by simply printing old credit reports from the past in which the red stick debt claim will show up. Ability should be made aware that Neither creditors nor debt collectors can re-age an account. From the moment an account ages, it cannot be taken back in time. Regardless of how many times an account is sold from one collector to another, the date of first delinquency (DOFD) cannot change. If Ability does not remove this account from the profile of *********************, SSN ending in **** (amount *******) I reserve the right to seek the remedies afforded to me by both Federal laws and Statutes and Pennsylvania Laws (specific:61 Pa. Code § 60.11). 

      Business Response

      Date: 08/07/2023

      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 with deletion for this matter.  Our client utilizes numerous debt collection agencies.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

      Customer Answer

      Date: 08/11/2023

      [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:

      1.)  I had full/ complete insurance coverage at the time of the claimed invoice in 2017/2018.  I have sent this information to another collector as soon as the notation showed on my credit report by certified mail.  I will send this information to this company as well.  Should they do no more due diligence than they have done already, I reserve the right to use their responses as tangible denotation of circumvention of law and cause for juris prudence   

      2.) Calling this debt current is a violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act and directly falls under bills that are subject to the No Surprises Act, which protects consumers from certain unknown or unexpected medical bills.  This account is showing on my report as 2023/ 2022 m; and yet their own invoice has a first late of 2018/2019.  I have never been contacted by this agency or any other about a bill.  It just showed up on my credit report.  

      I will give this company 30 days after receiving my certified notification from the USPS that they have received my insurance information concerning said bill, before I seek further remedy. 

      Regards,

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

      Business Response

      Date: 08/16/2023

      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 is a copy of the Ledger for consumer's review.  Please note that the Date of Service was October 2, 2018.  Our client advises that this matter is still due and owing.  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:07/27/2023

      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'm 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: 07/31/2023

      I just have this dispute that I filed with Experian regarding their non compliance to provide me with the original contract as requested.

      Business Response

      Date: 08/07/2023

      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 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

    • Initial Complaint

      Date:07/27/2023

      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.
      I have never heard from this company, been contacted by this company, entered into any agreement with this company, and have no idea what this debt is allegedly for only that it isn't mine but has showed up on my credit report. I want this removed and resolved immediately.

      Business Response

      Date: 08/01/2023

      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 herewith please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 65% 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:07/26/2023

      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.
      This collections agency called Ability Recovery Service has had a collections account on me since 2017. I called the hospital where the bill originated and they say I have a zero balance. (I spoke with ****** ****** ********, source of collections from ** ******, and this was confirmed) I had active insurance at the time, and this hospital is non profit so charity is also offered but was not to me) I have not received a bill or itemized statement, though they say it was sent. The surprise billing act should protect me since the debt is 6 years old. This company ignores the law and is violating my rights.

      Business Response

      Date: 07/31/2023

      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.  The Date of Service for this matter was April 17, 2017.  Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 65% 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: 08/01/2023

      [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:

      This is still not an itemized invoice. I never gave permission for my medical information to be released to the creditor that purchased the debt. BBB has SEVERAL complaints against ******** **************** being a predatory collections agency. I have been told conflicting information that took 6 years to get to me. That is surprise billing.

      Regards,

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

      Business Response

      Date: 08/07/2023

      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 which contains medical codes which can be googled for the actual services which were rendered. Our client is still offering the 65% 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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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