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:01/20/2023

  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 Collection Agency has put something to which isn't specified nor have I gotten anything in my name since I filled bankruptcy other then my car which I pay before the due date. How do I remove this account that I have no idea what it even is off my credit. These guys are scammers how is it they still get linceses to torture people.

  Business Response

  Date: 01/23/2023

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

• Initial Complaint

  Date:01/19/2023

  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 received notification that I had a new Dept collector in my credit report. I looked into it and immediately disputed it. It was for a medical bill from ***** *** ** ********** dated for 8/22. I have never received any types of bills from either the Physicians or the debt collectors. In my dispute I tried to explain that my daughter has the same name and she has been in the hospital recently because she was pregnant and having issues with the pregnancy. I tried telling them its not me. Just look at the dob or look at what the service was because they would see I definitely am to old to have a baby. I have sent a letter asking the doctor office to look into this. But I have no means to get ahold of anyone other than googling the information of the company I have no account information or any to get this resolved. Ability Recovery states its my account but I have never been to these doctors and have tried to dispute the account stating this on my *******. I would greatly appreciate help regarding this. This company does not work with people to help resolve or correct issues.

  Business Response

  Date: 01/24/2023

  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 ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt.  Attached please find the Itemized Bill explaining whereby Consumer can ****** the medical codes for services rendered.  Our client of 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: 01/25/2023

  [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 was not in the hospital nor did I ever visit this doctor.  I will be calling them because I have not had ****** Insurance either. There’s a mistake somewhere and I want this resolved. 
  
  Regards,
  
  *******************
  

  Business Response

  Date: 01/30/2023

  Our client ******** **************** purchased the debt from the original creditor ****************************** and placed it with us for collection.  Our client is stating this matter is still due and owing and is still offering a 50% discount.  Thank you

• Initial Complaint

  Date:01/17/2023

  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.

  On October 17, 2022, and October 24, 2022 Ability Recovery Services received my dispute letters requesting verification of the debt for account numbers *************** and *********** being reported to the credit bureaus. I did not recall having any obligation to any creditor in the amount they claim I owe. As of today, I have not received a reply to my request for verification of either of these accounts the debt collector is reporting to the bureaus. In essence, the debt collector violated 392.301(a)(3) of the Texas Finance Code when they continued collection activity on accounts they failed to validate after they were notified in writing within the specified 30 days. I am respectfully requesting the prompt removal of these accounts from my credit report. I am making every effort to resolve this matter without presenting my case before a courtroom jury in my community. I look forward to their cooperation in this matter.

  Business Response

  Date: 01/23/2023

  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.  Attached please find Itemized Bills which were mailed to your current address on October 20, 2022.  Our client is offering 50% discount with deletion for these matters.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 01/26/2023

  [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 don't believe the debt collector understands my complaint.  As of the January 17, 2023 the debt-buyer had not responded to my request for verification and there is no evidence to support their claim.  Furthermore, any information and documentation presented at this point comes too little too late as they have already violated my rights as a consumer when they failed to reply to my request within the specified 30 days as setforth under the Texas Finance Code.  I am respectfully requesting they do the right thing and remove the invalidate accounts from my credit report.  I am making every effort to resolve this matter without presenting this case before a jury in my community.  I would appreciate their cooperation.
  
  Regards,
  
  *************************

  Business Response

  Date: 02/01/2023

  Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Once again, the validation was mailed to Consumer's current address on October 20, 2022 which was sent in a timely manner.  Our client is still offering 50% discount for both matters 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: 02/07/2023

  [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 response further solidifies the fact the debt collector did not respond to my request for verification within the specified 30 days as set forth under the Texas Finance Code.  They did not reply to my request within the specified 30 days as set forth under the Texas Finance Code.  Any information or documentation presented at this point comes too little and too late.  The debt buyer has already violated my rights as a consumer.  I have made every effort to resolve this matter without presenting my case before a courtroom jury in my community.  I am requesting prompt removal of the invalidated accounts from my credit reports.  I would appreciate your cooperation in this matter.
  
  Regards,
  
  *************************
  

• Initial Complaint

  Date:01/17/2023

  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.

  My identity was stolen. This company bought a collection or is serving ***** **************. This collection was deemed fraud months ago but different collection agency pick it up months later and report it. Ftc report attached ******* ******* ***** ***** ******** ***** 1180$

  Business Response

  Date: 01/19/2023

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

  Customer Answer

  Date: 01/20/2023

  [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:01/16/2023

  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 answered the call thinking it was someone I knew who may have changed their number. It turned out to be Ability Recovery. The guy notified me of a debt I allegedly owe and wanted me to take care of it right then and there. When I checked a history of the first 6-digits of the number, they've been getting blocked because it comes up as spam likely (probably because they mask the number to match your home area code). I'm not sure why it came through this time. I also have never received a letter from them, I keep track of what companies sends letters.Well, initially I was ok with the conversation. I was going to ask for proof of the debt and for a payment plan starting at a later date. What caused that not to happen was that he wanted me to post date the first payment and call back and adjust the payment if needed. I simply asked if he could call back tomorrow as I'm truly not feeling well and needed to make a sound decision on how much the payment plan would be. He kept responding with things like, "You're avoiding your responsibility", "You're not going to call us back", "Avoiding this will only hurt in the long run"... I told him to have a nice day and I hung up. Instead of actually assisting, he was attempting to pressure me. I'm hesitant to even call back tomorrow to try and get the issue resolved and gain proof of debt. The whole ordeal makes me wonder if this was this company actually calling or if someone was trying to scam me.

  Business Response

  Date: 01/19/2023

  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

• Initial Complaint

  Date:01/11/2023

  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.

  On the date of March 3rd, 2022 I was involved in a multiple collision car accident on the highway. My car was deemed as total loss and I was not at fault. I went to the hospital for X-rays and to make sure everything was on okay as well as documented on paper. I hired an injury attorney for my case and was represented by (****** * ******). They promised to take care of all expenses. I paid A total of $19,349.18. $8,679.50 (To be paid for ******* ********) plus $6,750.00 (less attorney fees) plus $1,300.50 (Less cost)plus 2,601.14 (Liens)for rehab and Hospital visits/treatment which was included in the closing statement. I have this in writing.. Majority of medical bills were covered BUT there is one company that continues to harass me for a medical bill of $198.75 by the name of ********** ***** ***, which is ******** **** ******** physicians where I received treatment for my injuries. The bill has now been passed to Ability Recovery Service LLC a Debt collector agency (******* ******* ***) located at the address *** **** ****** Dupont, PA *****. The dispute was agreed that everything will be taken care of because I showed proof of all medical records and everything was included. I have not been able to get in contact with anyone associated with ****** * ****** since the case was closed.

  Business Response

  Date: 01/26/2023

  Consumer should be advised that this matter has been recalled by our client ***********************, closed in our office.  This matter is not credit reporting.  Thank you

  Customer Answer

  Date: 02/02/2023

  [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:01/02/2023

  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.

  Please be advised I have requested "validation" {not verification} of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove:1. I had this service.2. What services I am being charged for.3. What the cost of each service I am being charged for. Furthermore, Ability Recovery Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. Should this item not be deleted within the required time allowed by law I will seek every remedy available to me. I  urge you to take this extremely seriously and have this deleted . I encourage a response from you expeditiously.

  Business Response

  Date: 01/23/2023

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

• Initial Complaint

  Date:12/22/2022

  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 Services is reporting an alleged debt on my credit reports without my consent or knowledge As of November 30, 2021, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, *******, ********, and **********, before first contacting the consumer. I'm not liable for this debt, They have failed to give me any type of response or provide me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately. I asked in my letter to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified" without providing any proof bearing my signature. As per FTC opinion letter from Attorney **** ** *******, they should be aware that a printout of a bill or itemized document does not constitute verification. The listed item is inaccurate and incomplete.

  Business Response

  Date: 12/27/2022

  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 their collection of their outstanding student debt.  Attached please find a copy of the Enrollment Agreement and Ledger whereby Consumer Consumer agreed to all of the terms and conditions of same.  Our client has advised that Consumer completed 17% of the course.  As per our client to cancel this matter would be $223.75 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: 12/28/2022

  [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 don't have a contract with this company and its illegal for them to even report anything to my credit report without my permission 
  
  Regards,
  

  Business Response

  Date: 01/05/2023

  Consumer should be advised that Ability Recovery Services is a third party debt collection agency representing our client ************************ in the collection of their outstanding student debt.  Consumer agreed to all of the terms and conditions of the Enrollment Agreement 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: 01/06/2023

  [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: *********** has violated my rights under the FCRA  thy have violated 15 U.S.C.1692b(2) and 15 U.S.C. 1692b(5) and 15 U.S.C. 1692C(A) and 15 U.S.C. 1692D(2) and 15 U.S.C. 1692C(4) I want this account deleted.
  
  Regards,
  
  ******** *****
  

• Initial Complaint

  Date:12/22/2022

  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 this debt with ****** **********  and do not have a contract with ABILITY RECOVERY SERVICE. They did not provide me with the orginial application like I asked.

  Business Response

  Date: 12/23/2022

  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 please find a copy of the Enrollment Agreement which Consumer signed electronically and agreed to all of the terms and conditions of same.  Our client advised that this matter is still due and owing and is offering a 15% discount with deletion.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you 

• Initial Complaint

  Date:12/19/2022

  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.

  After several attempts of resolving this issue with this business and even after proof was provided that the debt is false/inaccurate they continued to threaten me. Stating It doesnt matter what you say or what proof we see its staying on your credit report. It is illegal for them to list inaccuracies on my credit reports.

  Business Response

  Date: 12/21/2022

  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 please find a copy of the Enrollment Agreement and Ledger whereby Consumer agreed to all of thew terms and conditions of same.  If paid by 12/31/2022, our client is offering a 40% discount.  If not there is a long standing 15% discount.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Business Response

  Date: 12/23/2022

  Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Consumer signed the Enrollment Agreement electronically whereby agreeing to all of the terms and conditions to same.  As per our client this matter is still due and owing.  If Consumer is stating this matter is ID theft/Fraud, our client requires a police report/ID Theft Affidavit, which can be forwarded to our office via facsimile to ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 01/04/2023

  [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: There has been no proof provided which is against the law. 
  
  Regards,
  
  ********* *******