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

  PO Box 4262 Scranton, PA 18505-6262

• 

  Ability Recovery Services LLC

  1 Montage Mountain Rd Moosic, PA 18507-1777

• 

  Ability Recovery Services LLC

  PO Box 4031 Wyoming, PA 18644-0031

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:04/25/2023

  Type:Billing 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.

  This is a collection debt on my credit report that is not mine.

  Business Response

  Date: 05/04/2023

  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

  Customer Answer

  Date: 05/04/2023

  [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 a bill that is not mine.  This bill is also 5 years old. They have not provided me with any information:

        The name and address of the creditor to whom the debt is currently owed and the account number used by that creditor.
  
       If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and theamount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when thecurrent creditor obtained the debt and who the current creditor obtained it from.
  
      Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created myoriginal requirement to pay?
  
  They need to get this off my credit.  This is not my bill.  I have ******** which pays all of my medical bills.   
  
  Regards,
  
  ***** ***

  Business Response

  Date: 05/11/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services represents our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  Our client purchased this debt from the original creditor *********************************).  Therefor the debt is currently owed to our client ******** ****************.  Once again my client is offering a 65% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you 

  Customer Answer

  Date: 05/12/2023

  [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: They ahve provided a type copy of something that anybody can type.  This is not an original bill and doesn't have the service or creditor.  They have not provided the original information showing of the original creditor, the account number used by that creditor, and theamount owed to that creditor at the time it was transferred.A copy of the last billing statement sent to me by the original creditor.  Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created myoriginal requirement to pay?  This is not my debt and I need this removed from my credit report.  Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
  
  Regards,
  
  ***** ***
  

  Business Response

  Date: 05/19/2023

  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 till due and owing.  The Itemized Bill has diagnosis codes which Consumer may ****** to find what Consumer was treated for .  The original creditor is also on the Itemized Bill which is ********************************* who sold the debt to our client ******** **************** (a medical debt buyer).  Our client is offering 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: 05/19/2023

  [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 not my debt.  I am not taking repsonsibility for this debt. I am not looking on ****** to find anyone because I have not been to the hospital or doctor ofice on this date.  This will be a 5 year old debt on July, 2023.  The statute of limitations will expire and this will not be a collectable debt.  I suggest you remove this from my credit.  I will be forced to contact the Fair Debt Collections to report this and take any legal action neccessary to clear this from my credit credit.  I have never incured this debt.  Please remove this from my credit report, I am asking you now.   
  
  Regards,
  
  ***** ***
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 06/01/2023

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

  Customer Answer

  Date: 06/05/2023

  [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:04/21/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was denied the dispute process about a supposed ***************** debt I owed. When they replied to the account, they showed information that did not belong to me, and they never responded to the information I had showing that the account was not mine. I now have the debt reported to my credit report. The situation is devastating, and they have made no attempt to rectify and remove the incorrect debt from my credit report.I ask that Ability Recovery Services please remove the false debt from account immediately.

  Business Response

  Date: 04/24/2023

  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.  As per our client this matter is still due and owing with 37.5% completed.  To cancel $790.80.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/24/2023

  [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:04/21/2023

  Type:Billing 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.

  11/21/17 my 4 month old child was taken to emergency room (light blood found in diaper) after being seen at an urgent care for vomiting after every feeding. X-eat dine and provided meds for vomiting. At first no one was able to get an IV into her veins to give her fluids. And they couldn’t determine what was causing the vomiting and blood. She was sent by ambulance to another hospital to prevent removing the IV. Found out she had to have an emergency surgery for intussusception. I paid all medical bills from both hospitals and ambulance. I received calls about 6 months ago for a debt from 2017. I thought it was fraud and asked to send proof. Never received proof but was told it was from a visit on 11/21/17 submitted to insurance and the remaining balance of 101.21 was directly sent to collections 2 weeks later. Again never got a bill and never heard of a remaining balance. I contacted my insurance to see if they received a claim during that time from *** ********* and they couldn’t find anything. I asked for any claims submitted where 101.21 would be my responsibility, they said no. I called *** ********* said they said have no record of me in their system.

  Business Response

  Date: 04/27/2023

  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 55% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/27/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:
  The bill attached isn’t an actual bill. I need the original bill for the date of service. It would show date of service, what service was provided, what was submitted to insurance and remaining amount. What was provided doesn’t show anything proving this is a legitimate bill. Looks made it. ***** also has no record of this. 
  Regards,
  
  ***********************************
  

  Business Response

  Date: 05/04/2023

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

  Customer Answer

  Date: 05/05/2023

  [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:04/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ABILITY RECOVERY SERVICE Account #D9713578N1 , has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions and consent. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information. ABILITY RECOVERY SERVICES is falsely reporting on my credit. Per my research ABILITY RECOVERY SERVICES is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below: A person may not procure or cause to be prepared and investigate consumer report (1) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure (A) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with ABILITY RECOVERY SERVICES. I’m requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking $1,000 per violation for: 1: Defamation 2: Negligent Enablement of Identity Fraud 3: Violations of 15 U S C 1692g

  Business Response

  Date: 04/20/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** in the collection of their outstanding student debt.  Attached herewith please find a copy of the Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same electronically.  Our client is offering a 30% discount with deletion for 30 days.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:04/13/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  March 6 2023 date of collection this is not my account this account was open fraudulently someone has been using my information I talked to a representative at ability recovery service today and was instructed to email them a copy of my ******** card that shows I've been on ******** before and on 2020 please remove from all three credit companies I wil uploaded card below

  Business Response

  Date: 04/19/2023

  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 35% 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:04/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently looked at my credit report and I have a collection from Ability Recovery Services from Wyoming PA.at ************. It states date of first delinquency was 7/15/2019 for $741.00 and $763.00. I called and spoke to customer service stating that this is a duplicate billing charge. I paid this amount on a previous bill. I asked them to send me the bill and where the bill came from. They refused to give me any documentation. I disputed this and they did not remove from my credit report. I still believe this is a duplicate bill. I need this off my credit report. I need documentation of the charges.

  Business Response

  Date: 04/20/2023

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

• Initial Complaint

  Date:04/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ability recovery has reported a collection on my credit report claiming a 2/2023 orgination date. Claims creditor *** ***** is owed $1389. I have no debit with company they claim to be collecting from. They refuse to give information on company, provide verification of debit and information of dates of dates, creditor, or even account numbers. This is suspicious as it is most likely to old to be on credit report. I will file for damages to credit in small claims court if not resolved within 30 days.

  Business Response

  Date: 04/14/2023

  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 50% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/17/2023

  [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:
  I never saw this doctor and i have insurance it would have been associated with this visit. I have contact insurance- no services related to this doctor or any associated medical office, hospitals, or clinics. Looks like someone used a name. I demand it's imediate removal or a small claims court filing for not only harassment and damage to credit. 
  
  Regards,
  
  *****************************
  

  Business Response

  Date: 04/24/2023

  Consumer should be advised that these matters have been and will remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  As per our client these matters are still due and owing and the 50% discount is still being offering.  If this is a matter of Identity Theft/Fraud, our client requires a police report.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/24/2023

  [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: I am filing small claim court on may 1st. I have given you enough time to correct it. I have removed this collection once before from my credit as it was too old to be on my credit report. you have been informed and continued to report it which shows you are knowing presuing a debit that does not have to be collected. I will file for harassment in this matter as it allowed. 
  
  Regards,
  
  *****************************
  

• Initial Complaint

  Date:04/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am allowed under the Health Insurance Portability and Accountability Act (HIPAA) to protect my privacy and medical records from third parties. I do not recall giving permission to ***** ***** ******** for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore my request is this account to be removed and deleted from all the credit bureaus ********, *******, **********

  Business Response

  Date: 04/10/2023

  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 45% discount with deletion for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:04/04/2023

  Type:Billing 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 has fraudulently placed 2 collections in the amount of 1587.00 on my credit report, I have never signed any type of legal contract with them, nor have I done any business with them. I have always had medical insurance, so I don't understand why they are on my credit report. I am requesting verification of Ability Recovery Services ownership to collect these 2 amounts of 1587.00. I am requesting that Ability Recovery Services provide the necessary documents to show ownership of these collections as well as itemized bills for the 2 amounts each totaling 1587.00. If they are unable to provide documentation of ownership, and billing for said amounts reaching the 2 amounts of 1587.00, by law they must be remove from all 3 credit bureaus, within the time allowed by law.

  Business Response

  Date: 04/05/2023

  Consumer should be advised that these matter have been and shall remain in a properly disputed status along with credit reporting bureaus.  Ability Recovery Services is a third party debt collection agency representing our client *********************** (a medical debt buyer) in the collection of their outstanding medical debt.  Once again, attached please find the Itemized Bills for Consumer's review.  Our client is offering a 50% discount with deletion for these matter.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Than you

  Customer Answer

  Date: 04/05/2023

  [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 NOT a detailed itemized bill for each amount totaling, $1587.00 twice I believe this is illegal and fraudulent and I am being double billed, by Ability Recovery Services as well as *********************** *** anything reported with the credit bureaus is suppose to be accurate. And neither company has any documentation with my signature for any type of service. Please remove both of these fraudulent collection accounts from all 3 credit bureaus, because your information is not accurate. Can't see paying 50% when I don't owe Ability Recovery Services, nor do I owe *********************** ***.
  
  Regards,
  
  **********************
  

  Business Response

  Date: 04/07/2023

  Consumer should be advised that these matters have been and shall remain in a properly disputed status along with credit reporting bureaus.  Consumer should be advised that each matter has different dates of Service.  One is for 11/12/2018 and 11/15/2018.  Our client is still offering 50% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/10/2023

  [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: Again, this is NOT a detailed itemized bill for each amount totaling, $1587.00  twice I believe this is illegal and fraudulent and I am being double billed, by Ability Recovery Services as well as *************** ******* *** anything reported with the credit bureaus is suppose to be accurate. And neither company has any documentation with my signature for any type of service. Please remove both of these fraudulent collection accounts from all 3 credit bureaus, because your information is not accurate. Can't see paying 50% when I don't owe Ability Recovery Services, nor do I owe *************** ******* ***. Because you say it doesn't make it any truer will you show the itemized paperwork telling me how you arrived at a total of 1587.00 twice. Where is the breakdown for the 2 amounts? I know I have the right as a consumer to file a complaint with the  CFPB (Consumer Financial Protection Bureau) and the FTC (Federal Trade Commission) your offer is REJECTED
  

  Regards,

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

  Business Response

  Date: 04/11/2023

  Consumer should be advised that these matters have been and shall remain in a properly disputed status along with credit reporting bureaus.  As per our client these bills have two different dates of service and are still due and owing.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 04/12/2023

  [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: still NO paperwork I will be looking into taking these fraudulent collections to the next level, in regards to my legal rights as a consumer. I'm only asking for the original itemized bill for each item that gives the total of 1587.00 twice. Either collection should have a breakdown for the 1587.00. I shall be contacting the attorney general's office to see what my next steps will be. I am rejecting this response. Please remove both collections from my credit report. Within the time allowed by law.
  

  Regards,
  
  **********************

  Business Response

  Date: 04/13/2023

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

  Customer Answer

  Date: 04/17/2023

  [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:04/03/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received an alert that a collections account for nearly 3k was on my credit report but I have no idea where this came from? It says it's from my college but I never re-enrolled? Received no communication from anyone prior to this just appearing on my report years after finishing college.

  Business Response

  Date: 04/05/2023

  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 a 40% 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: 04/05/2023

  [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: There is no date on this enrollment agreement and I had student loans to cover the academic terms in which I was enrolled and successfully completed.
  
  
  Regards,
  
  *******************