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:12/15/2022

  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.

  They are trying to bill me for money not owed. They have sent it to collections although I have provided my explanation of benefits to them on several occassions. I was billed $935, but my allowable based on my medical insurance was $794.75, which was paid by insurance company **********************

  Business Response

  Date: 12/20/2022

  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

• Initial Complaint

  Date:12/12/2022

  Type:Order 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 very disturbed and upset with ABILITY RECOVERY SERVI has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right

  Business Response

  Date: 12/13/2022

  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 ******** **************** (a medical debt buyer).  Our office mailed Itemized Statement to your current address on August 11, 2022 and has not been returned to our office.  Attached please find another 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.

• Initial Complaint

  Date:12/08/2022

  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 reached out to Ability Recovery Services regarding a debt that is currently reporting to the credit bureau under my name. I sent an official request, certified mail to get validation of this debt on 9/2/22 with 30 days for them to comply. We are now at over 90 days and they are unable to and have not provided any information required by the government to keep this alleged debt on my credit report.

  Business Response

  Date: 12/15/2022

  Consumer should be advised that this matter has been placed in a properly disputed status and removed from all 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 70% discount for this matter.  Consumer may contact our office and a representative would be happy to assist Consumer.  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 sent them a letter in September (and have filed a bbb complaint with their other offices) in September of 2022 requesting validation of this debt under the Fair Debt Collection Practices Act. My request for validation was made pursuant to 15 USC 1692g Sec. 809 (b) of the FCDPA. I have yet to receive any validation of the debt and this is still be reporting to the three credit bureaus. This must be removed as soon as possible.
  
  
  
  Regards,
  
  
  
  ******* ******
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 12/28/2022

  Consumer should be advised that this matter has been removed from all credit reporting bureaus on December 15, 2022.  Please allow 30 days for all bureaus to update.  Again please find a copy of the Itemized Bill for Consumer's review.  Our client is offering a 70% discount 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:12/08/2022

  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 received a notice that I have a collection from ABILITY RECOVERY SERVI on my credit report. It says it was opened on 07/01/2021 for $303 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 FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 12/14/2022

  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 ******** **************** (a medical debt buyer" in the collection of their outstanding medical debt.  Attached please find a copy of the Itemized Bill for this matter, showing a date of service of December 27, 2018.  Consumer should be advised that 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

• Initial Complaint

  Date:12/02/2022

  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 writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R. § 226.13. See also 12 C.F.R. § 226.12(b).

  Business Response

  Date: 12/06/2022

  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 herewith please find a copy of the Enrollment Agreement and Ledger for Consumer's review. We are in receipt of your letter but the Federal Trade Commission ID theft Report was not attached.  As per our client to cancel this matter would be $32.25 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:11/28/2022

  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 have never interacted with the company / agency that this person is trying to collect a frivolous and fraudulent debt for, they claim that they have evidence enough to place a mark on my credit report for over 2600 dollars. I have stated I am a victim of identity theft and tried to remove it, Ive tried multiple times to contact this business. They are a giant scam and a fraud business trying to wage a war against me for fake money. I dont owe them ANYTHING and I demand they remove this frivolous debt. I will contact every outlet imaginable and possible to make sure these people cant do this to other people. They cannot present ID, or signature or any other proof that this happened.

  Business Response

  Date: 12/02/2022

  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 ******** **************** (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.  If this is a case of Identity Theft/Fraud, our client requires a police report which can be forwarded to us via facsimile ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you.

  Customer Answer

  Date: 12/09/2022

  [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: First of all, while that is my correct date of birth, I have never lived at that address or recieved medical care in the city of Houston, nor has that ever been my phone number. The address from Cincinnati is where I lived nearly 20 years ago...There is nothing here that proves that this was me, clearly it is an issue of someone either using my identity or just a complete falsification. Furthermore it is also unclear whom I am dealing with this debt seems to have changed hands a few times in its cycle. Additionally, in September of 2018 I was living in Orlando Florida, how is this even legal, without clear information or an ID, what a messed up situation.
  
  Regards,
  
  *****************************
  

  Business Response

  Date: 12/14/2022

  Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Our client ******** **************** (a medical debt buyer) utilized numerous third party collection agencies. As per our client this matter is till due and owing and is offering a 50% discount with deletion.  Once again, if this is a matter of Identity Theft/Fraud, our client requires a police report which can be forwarded to our office via facsimile at ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 12/16/2022

  [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 have tried to contact you and have not been able to speak to anyone who knows anything about anything beyond their script. OK you have a sheet of paper from this other company, unacceptable. You are absolute criminals. I have a fraud alert on my credit and have filed with the **** What and who the do I file a police report with, what location, YOURS? Because you people really need to be brought to justice. I cannot go into a police station and file a report for something that happened somewhere else years ago to SOMEONE with a listed address of mine from 20 years ago. Do better.
  

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

  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 can file a ID Theft Report with your local police station or fill our a ************************ ID Theft Report and send either to our fax at ************.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  Date:11/28/2022

  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.

  This company is CONSTANTLY putting things on my credit report that aren’t mine!! They tried to add something from **** that I had sent over MANY times documentation relieving me of the debt, now that’s not something they can do to mess up my credit they go add 2 other accounts THAT ARENT mine to my credit report that I also have spoken with a representative about! I emailed her documentation that the debt doesn’t belong to me. No one sent a letter or even called me about this giving me opportunity to dispute it before adding it to my credit report for a SECOND TIME!!! When you call there you get NOWHERE the reps AND MANAGEMENT ARE RUDE, and DISRESPECTFUL even hang up on you. The law says the company needs to contact the consumer by mail BEFORE add anything to my credit report and they HAVE PROVE THE INFORMATION IS ACCURATE!!! I want this company to stop finding loop holes to HARASS ME!!
  

  Business Response

  Date: 12/02/2022

  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 Consumer's Enrollment Agreement whereby Consumer agreed to all of the terms and conditions to same.  To cancel this course our client is requesting $478.20 with a deletion from credit reporting bureaus.  As per our client, this matter is still due and owing.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Customer Answer

  Date: 12/06/2022

  [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 also have an email thread from **** ***** confirming my request to cancel. I never attended any classes at this school. 
  
  Regards,
  
  *****************************
  

  Business Response

  Date: 12/14/2022

  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 course was 9.10% completed with no withdrawal request.

  Please send a copy of your emails with **** ***** and we will forward to our client for an investigation.  Our facsimile number is ************ with your account ID# ******* attached to same. Thank you
  

• Initial Complaint

  Date:11/28/2022

  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 SERVI (Original Creditor: **** *********** **** ** ** **)- Account number: ***********- $1267.00- DO: 09/08/2022 - please Remove this unknown medical account for violations. I did not give permission for my personal or medical information to be included on my credit report. Plus, I do not owe anything to this company. This medical account does not belong to me. You're violating my privacy, and technically someonelse privacy. This violates HIPAA!!! Please block and remove this unknown account from my credit report.

  Business Response

  Date: 12/05/2022

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

• Initial Complaint

  Date:11/28/2022

  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.

  for the BBB complaints for collection accounts: I received a notice that I have a collection from ABILITY RECOVERY SERVICE on my credit report. It says it was opened on 05/18/2022 for $401.00 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 FCRA and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 12/02/2022

   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 ID# ******** - $$401.98 and ID# ******** - $177.47.  Our client is offering a 50% discount for both matter with full deletion from credit reporting bureaus.  Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you   

• Initial Complaint

  Date:11/27/2022

  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.

  The basis for my dispute Ability Recovery Services LLC, ******,ABILITY RECOVERY SERVICE Account ,***********, $914 - was required to notify me prior to 10/11/2022, or no later than 30 days after. ABILITY RECOVERY SERVICE Account failed to notify me about reporting derogatory info. to *******, ********, and ********** In section 603(p) 15 U.S.C. ss 168s-2(a)(7)(A)(I); The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after 10/11/2022, furnishing the negative derogatory information to a consumer reporting agency described in section 603 (p), 15 U.S.C. ss 1681s-2(a)(7)(B)(I). Plus broke commercial law under UCC § 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, ABILITY RECOVERY SERVICE Account " failed to give me my "Mini-Miranda" five days prior to placing this derogatory item on all of my credit reports, per Section 807(11) & FDCPA §809, which is $1000 per violation and the state of TX allows treble damages. Under § 809. Validations of date and Mini-Mirandi under Section 807(1)Ability Recovery Services LLC, ****** failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to $2500 and can be enforced by the FTC, and that my state attorney general can also enforce this with a $1000 penalty as well. I attached a copy of the law and the actual document from the federal reserve ABILITY RECOVERY SERVICE Account is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. ***** v. ***** 980 S.W.2d693(Tex.App-San Antonio 1989 reh.den.) citing ****** v. ***** 936 S.W.2d 654(Tex.App-Dallas 1996 

  Business Response

  Date: 12/02/2022

  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. The validation was mailed to Consumer on October 13, 2022.  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