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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 4 locations, listed below.

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    Customer Complaints Summary

    • 440 total complaints in the last 3 years.
    • 118 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:10/16/2024

      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 is attempting to collect a debt from a medical bill that was removed from collections 5 years ago. They have been very hard to contact and to work with. I have never signed a contract with them. I can never get anyone on the phone. The phone continuously rings or someone picks up and immediately hang up. They do not respond to emails. Ive filed disputes and been ignored.

      Business Response

      Date: 10/21/2024

      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.

      Consumer may contact our office and a representative would be happy to discuss options of settlement.

      Thank you

    • Initial Complaint

      Date:10/15/2024

      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 business has never tried to contact me i know nothing of the debt they are referring to i have no signed contract with them i want it off my credit immediately and proof with my wet signature a contract that I have signed with them if they cannot produce that then I want it removed immediately

      Business Response

      Date: 10/22/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.

      Ability Recovery Services, LLC (***) is a third party debt collection agency under contract with the Current Creditor to provide collection services for all medical accounts placed with us.

      Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 65% discount for this matter.

      *** invites Consumer to contact us directly to discuss options that the Current Creditor has provided to us in terms of settlement of the debt as an effective way to have the account removed from Consumer's credit report. 

    • Initial Complaint

      Date:10/12/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This company is a debt collection agency and the collector I spoke to named ****** was extremely rude, abusive and abrupt when I tried asking questions about a derogatory tradeline placed on my credit history. Ability Recovery Services is collecting on behalf of a debt purchaser named ********************************* who in turn purchased a fraudulent medical account from a company called Travis County Emergency for a date of service of 02/04/2019. The derogatory trade only just appeared on my credit report 08/07/2024 reporting as a date opened as if I just opened an account. This is deceptive credit reporting and I have already sent a certified letter of dispute directly to the agency to which they replied simply with payment instructions. This is an invalid debt that doesn't belong to me. I have researched and read about countless formal complaints and lawsuits filed against Ability Recovery Services. I myself have not filed any such action but instead am desperately hoping you can help me. These actions by Ability Recovery Services are defamatory and have been so very stressful to me and my family by ruining my good credit and making things very difficult for me financially.

      Business Response

      Date: 10/21/2024

      Consumer should be advised that this matter has been closed 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: 10/22/2024

      [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:10/10/2024

      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 want to assert that I am not liable for the debt that is linked to ****************************, as there has been no contractual agreement between us. It is essential to emphasize that I have not willingly entered into any financial obligations with them. Furthermore, in my effort to address this issue appropriately and transparently, I made a formal request to ABILITY RECOVERY SERVICES for the provision of the original contract relevant to this particular debt. Regrettably, despite this request, they have not fulfilled my inquiry by providing the requested documentation. This lack of transparency and cooperation from ABILITY RECOVERY SERVICES has added to the complexity of the situation, making it necessary for me to seek further assistance and clarification to resolve this matter effectively.---------"ABILITY RECOVERY SERVI (Original Creditor: APP ************)"2/1/2023D128194****

      Business Response

      Date: 10/18/2024

      Consumer should be advised that this matter has been and shall remain in aproperly disputed status along with credit reporting bureaus.

      Ability Recovery Services, LLC (ARS) is a third party debt collection agency under contract with the Current Creditor to provide collection services for medical accounts placed with us.

      Attached please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 55% discount.

      ARS invites Consume to contact us directly to discuss option that the Current Creditor has provided to us in terms of settlement of the debt as an effective way to have the accounts removed from the Consumer's credit report.

    • Initial Complaint

      Date:10/06/2024

      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 reviewed my Consumer ReportD21013XXXXX and noticed on 10-06-2024 there is a inaccurate account on my Credit Report Ability Recovery #********** (*******)Ability 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: 10/09/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.

      Ability Recovery Services, LLC (*** is a third party debt collection agency under contract with the Current Creditor to provide collection services for medical accounts placed with us.  This means that *** has the right to attempt collection of the debt directly with the Consumer.

      Attached please find a copy of the Itemized Bill for Consumer's review.

      Our client is offering a 65% discount for this matter.

      ARS invites Consumer to call us directly to discuss options that the Current Creditor has provided to us in terms of settlement of the debt as an effective way to have the account removed from the Consumer's credit report.

      Customer Answer

      Date: 10/10/2024

      [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: 22386341

      I am rejecting this response because: This is an unauthorized report. I have no knowledge of the debt you're trying to collect. I believe this should be disputed and off of my report.


      Regards,

      ****** *****








      Business Response

      Date: 10/18/2024

      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.

      Ability Recovery Services, LLC invites Consumer to contact us directly to discuss options that the Current Creditor has provided to us in terms of settlement of the debt as an effective way to have the account removed from Consumer's credit report. 

      Customer Answer

      Date: 10/21/2024

      [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: 22386341

      I am rejecting this response because:


      Regards,

      ****** *****








    • Initial Complaint

      Date:10/04/2024

      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.
      Sent debt validation letter 09/03/2024.Debt company responded with partial information on the letter. I did request a contract on the Debt validation letter. There was no contact provided showing signatures from parties. I have paid almost $1100 in this debt. Due to financial issues I can no longer pay for this debt. Due to there being no contract with signatures please void this debt I have paid what I can. Prior to 9/03 I called and spoke to them and they do not have agreement's or contracts with prior party. ******** has not been my employer for about 4 years now. They have nothing updated correctly.

      Business Response

      Date: 10/08/2024

      Consumer should be advised that this matter has been paid in full, 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:09/30/2024

      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.
      ***** RECVRY Account #********** Date Opened: 04/5/2021 Balance: $2242.00 I reviewed my credit report and noticed that I have a collection from ABLTY RECRVY on my credit report. It says it was opened on 04/5/2021 with a balance of $2242.00 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 ***** and the Privacy Act. I would like for this collection to be removed ASAP or I will file a complaint with the **** and the ***. This account has already been included in an *** complaint filed on 09/19/2024 as someone has been using my information.

      Business Response

      Date: 10/02/2024

      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, LLC (ARS) is a third party debt collection agency representing our client  *********************** to provide collection services for all accounts placed with us.

      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 15% discount.

      *** invites Consumer to call us directly to discuss options in terms of settlement of the debt as an effective way to have the account removed from Consumer's credit report.

      Customer Answer

      Date: 10/07/2024

      [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: 22359416

      I am rejecting this response because: nor of the documentation provided shows my signature nor me having any sort of signed contract with Ability Recovery Services, which I have asked for in the past and still as of date, they have failed to send that to me.  I don't see any signed contract between Ability Recovery Services and I, therefore them having any of my non-public private information violates the Privacy Act of 1974 as well as the Family and Education Privacy Act of 1974 (FERPA).  So Ability Recovery Services can either remove this account from all credit reporting agencies or compensate me for violating my rights.  These are their only 2 options.  They will have 48 hours to respond to this BBB complaint with a letter on their letterhead stating they have sent request to all 3 credit reporting agencies to have this account removed or an invoice will be sent along with a JS 44.


      Regards,

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








      Business Response

      Date: 10/21/2024

      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, LLC, (ARS) is under contract with our client *********************** to provide collection services for all accounts placed with us.

      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:09/29/2024

      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 tried to get this unknown, not MIINE, collection off my credit report without any luck. I do not know HOW this business is verifying I have debt with them ($1,396), when I never received any medical services of any kind in over 5 years. I live in *****, where I have been living for countless years now. I am not even sure what account number is illegally attached to my name, other than it ends with 39N2. I need someone from this collection agency to respond back to me because this is not my collection and I want to know "how" you are verifying that it was actually ME. I don't know if someone stole my Info or what, but I have never ever received any services from place ever in the history of ever. Clearly whomever stolen my information also didn't know that I actually have full coverage health insurance through ********** (and have had insurance through them for years) and it would have made no sense for me to use medical services in another state far away from where I live to only let it go into collections instead of having my insurance pay for it. As mentioned before, I want PROOF of how you "verified" that this is MY debt, because I never ever when to this medical place or even knew it existed until now. I want to be either contacted by this collector to see your "proof" or want this debt REMOVED from all my credit bureaus right away. I have already disputed this with all 3 bureaus, but they keep saying "it was verified" but no one can tell me HOW.

      Business Response

      Date: 10/04/2024

      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, LLC (ARS) is a third party debt collection agency that is under contract with the current creditor to provide collection services for medical accounts placed with us. 

      Attached please find a copy of the itemized Bills for Consumer's review.  Consumer may google the medical codes to review what Consumer was treated for.  Our client is offering a 75% discount for these matters.

      ARS invites the Consumer to call us directly to discuss option that the current creditor has provided to us in terms of settlement of the debt as an effective way to have the account removed from Consumer's credit report.

    • Initial Complaint

      Date:09/27/2024

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Penn ******. I do not have a contract with Ability Recovery Services for account number ***********. They did not provide me with the original contract as I requested.

      Business Response

      Date: 10/04/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.

      Ability Recovery Services, LLC (ARS) is a third party debt collection under contract with our client Penn Foster to provide collection services for all accounts placed in our office.

      Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.  As per our client to cancel this matter is $367.40.

      ARS invites Consumer to contact us directly to discuss options of settlement as an effective way to have this account removed from Consumer's credit report.

    • Initial Complaint

      Date:09/21/2024

      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 came across this creditor trying to say I owe them 1890 but I have no idea who they are. And I came across reviews of the business and it's nothing but the same complaint I also have.

      Business Response

      Date: 09/24/2024

      Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.

      Ability Recovery Services, LLC 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 for Consumer's review.  Consumer should be advised that to cancel this matter our client is requesting $734.25.

      Ability Recovery Services, LLC invites Consumer to contact us directly to discuss option that our client has provided to us in terms of settlement of the debt as an effective way to have the account removed from Consumer's credit report.

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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