Collections Agencies
Ability Recovery Services LLCThis business is NOT BBB Accredited.
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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
- 440 total complaints in the last 3 years.
- 120 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/21/2025
Type:Billing IssuesStatus: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.
Until today, I had never even heard of Ability Recovery Services. I discovered a collections account that had been added to my Equifax credit report and had already lowered my score by 19 points. It was clearly a veteran's medical debt for $25,337, but I have never once been in the military. Given these circumstances, my identity has been stolen and I am a victim of fraud. I have not yet attempted to contact this business since I made this discovery less than an hour ago, but I plan to do so ASAP. My credit should not be suffering because of something I did not even do. This business, if it's even legitimate, needs to be held accountable because I'm clearly not the only person who's had trouble with them before.Business Response
Date: 06/06/2025
BBB Complaint ID ******** - **** Wilkins
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with our client Tasman Credit to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
Attached please find copies of the Promissory Note and Payment History for this matter whereby Consumer agreed to all of the terms and conditions of same. If this is an Identity Theft/Fraud matter, our client will require a police report for same.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
Initial Complaint
Date:05/11/2025
Type:Billing IssuesStatus: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.
Debt has been paid but has not removed from my credit report.I was contacted by *** from Ability Recovery Services around the end of 2024 to resolve my debt - a medical bill from 2023 totaling $1,395.00. *** offered a settlement on this debt to have it removed from my credit. I agreed to pay the settlement in two payments of $418.50. The first payment was made January 15, 2025 at 7:35AM. The second payment was made February 14, 2025 at 7:35AM. Both payments were authorized to be taken automatically from my bank account and were completed. I have emailed receipts for both payments (pasted at the bottom of this description). The debt has not been removed from my credit. When trying to reach *** (extension 232), I am sent directly to his voicemail. When I dialed extension 233 after months of not being able to reach them, I was cursed at and told that no one would ever call me back by a woman who would not give me her name. Credit Card Transaction Receipt Transaction Date/Time:2/14/2025 7:35:47 AM EST Merchant Name:Ability Recovery Services, LLC Merchant Country:************* Invoice Number:Customer Account *************** Description:TEXOMA EMER PAID/CBR DELETED Subtotal:$418.50 Convenience Fee:$0.00 Total Amount:$418.50 Transaction Type:Sale Billing Zip Code:75021-4039 Billing Address:************************** Billing City:Billing State:Transaction *********** Result:Approved Message:Success Auth Code:308101 AVS Result:Y CVV Result:Credit Card Transaction Receipt Transaction Date/Time:1/15/2025 1:43:53 PM EST Merchant Name:Ability Recovery Services, LLC Merchant Country:************* Invoice Number:Customer Account *************** Description:TEXOMA EMER PAYMENT 1/2 Subtotal:$418.50 Convenience Fee:$0.00 Total Amount:$418.50 Transaction Type:Sale Billing Zip Code:75021-4039 Billing Address:***************************************:Billing State:Transaction *********** Result:Approved Message:Success Auth Code:607130 AVS Result: Y CVV Result:Business Response
Date: 06/02/2025
BBB Complaint ID ******** - ***** Stanley
Ability Recovery Services, LLC (ARS) is a third-party debt collection agency under contract with the current creditor to provide collection services for all accounts placed with us.
Consumer should be advised that this matter has been recalled by our client and removed from all credit reporting bureaus. The account is no longer with our agency. Please allow 30 days for all bureaus to update. Attached please find a copy of the deletion from all bureaus.
Again, ARS is always here to work with the Consumer.Initial Complaint
Date:05/09/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The reported debt contains incorrect information, making it invalid and disputable.Business Response
Date: 05/15/2025
BBB Complaint ID ******** ****** *****
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 3/20/2025 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer her rights under federal collection laws.
Once we receive the Itemized Bill we will forward same to the Consumer.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
Initial Complaint
Date:05/09/2025
Type:Order IssuesStatus: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 ********* EMERGENCY PHYSICIA. I do not have a contract with ABILITY RECOVERY, LLC. They did not provide me with the original contract as requested.Business Response
Date: 05/09/2025
BBB Complaint ID ******** - ******* Martinez
Ability Recovery Services, LLC (***) is a third-party debt collection agency under contract with the current creditor to provide collection services for all accounts placed with us.
Consumer should be advised that this matter has been recalled by our client and removed from all credit reporting bureaus. The account is no longer with our agency. Please allow 30 days for all bureaus to update.
Again, ARS is always here to work with the Consumer.Initial Complaint
Date:05/08/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The information being reported does not align with the original creditor's recordsBusiness Response
Date: 05/13/2025
BBB Complaint ID ******** - ******** Dorsey
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with our client Penn ****** to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.
Please be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
Initial Complaint
Date:05/07/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The reported debt contains incorrect information, making it invalid and disputable.Business Response
Date: 05/13/2025
BBB Complaint ID ******** - ******* Ashford
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with our client ************************ to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.
This matter has been placed in a properly disputed status along with credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
Initial Complaint
Date:05/04/2025
Type:Product IssuesStatus: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 dont have dealings with this business! This business have not contact me for no other company and it just popped up on my credit! They also just came out the air with that number because it was 600.i didnt sign a contact with ABILITY RECOVERY SERVICE! I dont see how they can pop up on my credit when I never had dealings with them.Business Response
Date: 05/06/2025
BBB Complaint ID ******** - ******** Williams
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with our client Penn ****** to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.
Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
review.Initial Complaint
Date:05/02/2025
Type:Billing IssuesStatus: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 disputing an invalid account reported by ******************************************* SERVI on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.Business Response
Date: 05/06/2025
BBB Complaint ID ******** ******** ********
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 1/10/2025 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer her rights under federal collection laws. Once we receive the Itemized Bill we will forward to Consumer for Consumer's review. Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.Initial Complaint
Date:05/01/2025
Type:Billing IssuesStatus: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 company is reporting an unauthorized account to my credit reports. I have reached out to them to no avail. I would like this account removed from all 3 credit bureaus immediately.Business Response
Date: 05/06/2025
BBB Complaint ID ******** - ******** Sims
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with our client *********************** to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.
Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
Initial Complaint
Date:05/01/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The collection agency failed to validate the debt within the timeframe required by law.Business Response
Date: 05/09/2025
BBB Complaint ID ******** **** ********
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 1/24/2024 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer her rights under federal collection laws.
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus.
We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations. The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter.
Again,the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.
Ability Recovery Services LLC is NOT a BBB Accredited Business.
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