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 4031 Wyoming, PA 18644-0031

• 

  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:05/19/2024

  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 file a formal complaint against ABILITY RECOVERY SERVICES, LLC, a collection agency, for violating Texas state licensing requirements. According to the Texas Secretary of State's Debt Collector Search, accessible at **********************************************************, ABILITY RECOVERY SERVICES, LLC does not possess a surety bond and has not filed a copy of such a bond with the ************ of the Secretary of State.This failure to comply with the bonding requirements outlined by Texas law constitutes a significant violation of state regulations governing debt collection practices. As a consumer, I am concerned about the legality and integrity of their operations without the mandated surety bond, which is intended to protect consumers from potential misconduct or financial harm.I respectfully request that your office investigate this matter and take appropriate action to ensure that ABILITY RECOVERY SERVICES, LLC complies with all state licensing requirements. Ensuring that debt collection agencies adhere to these regulations is crucial for the protection of consumers across ******Thank you for your attention to this important issue. I look forward to your prompt response and resolution of this matter.

  Business Response

  Date: 06/03/2024

  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 emails that consumer had with the Office of the President of ********************** at ************************  Our client, ***********************, is offering a one time payment of $4,825.33 (15% discount).  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. 

• Initial Complaint

  Date:05/17/2024

  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.

  Ability Collections services fraud. My credit report says I owe 1400+ dollars and I dont at all.

  Business Response

  Date: 05/28/2024

  ******************* - Last 4 of SS# **** - DOB: 1/31 - Original Medial Provider:  App of ********** - Current *************** *************** Funding

  Patient:  *******************

  Ability Recovery Services is a nationally licensed third party collection agency.  The above account was placed with us for collections by the current creditor.  Ability Recovery Services has both a contract to collect for the current creditor accounts and an ******************* Agreement that permits our company to collect under HIPAA and federal and state collection laws.  A required Regulation F validation letter was mailed to the consumer on March 29, 2024 which explained in detail what is listed above.  Further, under separate letter, Ability Recovery Services is mailing directly to ************ an itemized bill showing the amount owed and letting ************ know that both settlement offers and payment plans are available for the medical bill issue. 
  

   

   

• Initial Complaint

  Date:05/15/2024

  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.

  Involving a debt collector , this account is a debt buyer. The debt that you guys are trying to collect dont belong to me. Can you guys provide to me who is the original creditor name and address ? 15 U.S. Code 1692g - Validation of debts (b)DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Can YOU( I C SYSTEM ) provide the name and address of the original creditor of this account . If so , this account needs to be removed immediately off my consumer report .This account Is in violation to my rights as consumer . Reached out to the company on the **** , May 15th 2024.

  Business Response

  Date: 05/17/2024

  Consumer should be advised that this matter has been closed and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

• Initial Complaint

  Date:05/08/2024

  Type:Order 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.

  ABILITY RECOVERY SERVICES ******************************************************* ************** ACCOUNT# ************** U.S. Code ***** - False or misleading representations Instruction: Provide proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. In addition please provide the contract signed between ORIGINAL CREDITOR, notarized and sworn under penalty and perjury for ABILITY RECOVERY SERVICES ability to collect this alleged debt. The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I dont believe this non creditor and feel that they are not being honest . Please send all validating records through the BBB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

  Business Response

  Date: 05/08/2024

  Consumer should be advised that our office performed another automatic deletion from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

  Customer Answer

  Date: 05/08/2024

  [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:05/07/2024

  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.

  There seems to be an error in how late payments are being reported on my credit, and it's a personal concern because it's significantly impacting my credit score, which, in turn, is making it challenging for me to access loans or secure favorable interest rates. This situation is directly affecting my financial well-being.?Remove the late payment remark and accurately update it to reflect on-time payments.

  Business Response

  Date: 05/09/2024

  Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services 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 for Consumer's review.  As per our client $1,228.78 is due.  The last payment made was 8/22/22.  To cancel course is $374.68 and 30% discount to continue.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you 

• Initial Complaint

  Date:05/03/2024

  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.

  On March 5, 2024 a random collections account appeared on my credit report from Ability Recovery Services. Which I do not recognize, nor have I ever spoken with or received care from. I do not owe this company any money, as to which they attempted to use scare tactics to receive payment. I have never received any form of bill, or phone call regarding this matter. **** also follow up with a hipaa violation filing due to the use of medical information given to Ability Recovery Services.

  Business Response

  Date: 05/08/2024

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

• Initial Complaint

  Date:04/24/2024

  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 place is a joke Im including proof where I asked for the original contract theyre claiming They claim over $900, yet I have and have had health insurance with no copays as I am a military dependent with tricare I have never been to any *********************** in my life and I have never paid a bill late. This is from 2017 they claim, why didnt they send me proof before adding to my credit? Then, when they did I sent this letter certified in which they signed for it as you see and ignored me. Im on a military post now and have Jag willing to help as we cant have debt of any kind. It causes stress and undo anxiety for everyone My credit is perfect as you see minus this scam They legally had to contact me before adding this, they didnt. This is my last attempt here before *** has agreed to help me. Im not being bullied into paying something that isnt mine. I live in ********** then which Im including proof of. We move from state to state every three years usually. We are constantly reassigned and it is disgraceful to try and scam military families. If this isnt corrected or if Im not sent proof where I can get this proven it isnt me, Im done trying. Please see all attached proof of where I was then, as well as where they signed for this and I was completely covered by Tricare If it was really mine, wouldnt I have other collections from 2017?? Come on now! Scam people who arent sacrificing for others!!

  Business Response

  Date: 04/29/2024

  Consumer should be advised that this matter had been closed by our client along with credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

  Customer Answer

  Date: 04/29/2024

  [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: 21622669
  
  I am rejecting this response because:
  
  They CLOSED it on my credit report they did NOT ask for it to be deleted just got off the phone after 2 hours with all 3 companies 

  they said they were told to close it not delete it. Doesnt fix the issue and I am over spending time on this when I can get it handled legally for free 
  Regards,
  
  *********************************
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 05/06/2024

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

  Customer Answer

  Date: 05/07/2024

  [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: 21622669
  
  I am rejecting this response because:
  
  
  Regards,
  
  *********************************
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:04/24/2024

  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 ********************************** ***** Date of birth May 9, 1991 I have a collection from Ability Recovery Servi that is not mine. I'm not the person who they have in their system. I called them some many times to fix the issue but they don't find me in their system because it's a different person with a different information Account number: ******** The account was open on Feb. 10 2018 Amount $1,185 I want them to remove the collection from my credit report as soon as possible.

  Business Response

  Date: 04/29/2024

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

• Initial Complaint

  Date:04/22/2024

  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 not liable for the debt associated with the Ability Recovery Services LLC account reported on my credit report. I have no contract with Ability Recovery Services LLC, and despite my requests, they have failed to provide the original contract. This absence of documentation is critical, and as outlined under the Fair Credit Reporting Act (FCRA), my rights and their duties concerning the reinvestigation, documentation, and accuracy of the information are clearly defined in several sections: FCRA Section 611 (15 U.S.C. 1681i) mandates a detailed investigation into disputed information. FCRA Section 609 (15 U.S.C. 1681g) requires them to furnish me with all documents in their files that pertain to this disputed entry. Furthermore, FCRA Section 618 (15 U.S.C. 1681p) specifies the statute of limitations within which I can initiate this dispute following my discovery of the error. FCRA Section 620 (15 U.S.C. 1681r) stresses the requirement for credit reporting agencies to promptly correct or delete inaccurate data to maintain the integrity of the information they report. Additionally, FCRA Section 621 (15 U.S.C. 1681s) provides for regulatory oversight and enforcement, highlighting the seriousness with which these matters are regarded under federal law. In the context of Virginia law, Virginia Code 59.1-443.2 is particularly relevant if there's a potential element of identity theft or mistaken identity involved in the reporting of this charge-off. Also, Virginia Code 8.01-248 may apply if this charge-off pertains to a claim or action that should have been barred by the state's statute of limitations.

  Business Response

  Date: 04/25/2024

  Consumer should be advised that these matters have 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 copies of the Itemized Bills for Consumer's review.  Our client is offering a 75% discount with deletion for these matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving these matters.  Thank you

• Initial Complaint

  Date:04/20/2024

  Type:Service or Repair 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 notice that I have a collection from Ability Recovery on my credit report. It says it was opened on 4/10/2023 for $866 with account number starting in *********** 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.

  Business Response

  Date: 04/25/2024

  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 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 Consumer's review.  Our client is offering a 55% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you