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Business Profile

Collections Agencies

Ability Recovery Services LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Ability Recovery Services LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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    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 Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/26/2025

      Type:Order Issues
      Status:
      Answered
      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 debit with (ABILITY RECOVERY SERVI acct# ************, i do not have a contract with (ABILITY RECOVERY SERVI acct# ************ they did no provide me with the original contract as i requested. This company is violating my consumer righ TO PRIVACY PURSUANT 15 USC 1681B (2) and 15 U.S Code 1681i(a) FCRA and , Fair Debt Collection Practices Act(FDCPA) 15 USC 1692g sec.809(8), {15 U.S.C. 1692k(d) [(******** v. *****, 589 U.S. _, 140 S. Ct. 355 (2019)Absent the application of an equitable doctrine, such as fraudulent concealment, the ****** one-year statute of limitations begins to run on the date the alleged violation occurs, not when it is discovered.]} Other Legal Precedent or Case Law (****** *. *******, ************** (Ind. **. App. 2001), (****** v. ********** of *******, 626 F. Supp. 2d 1068 (S.D. **** 2009)) and (Camacho v. *************************, 430 F.3d 1078 (9th Cir. 2005)

      Business Response

      Date: 03/28/2025

      BBB Complaint ID ******** ***** Amoguea 

      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.

      Again, ARS is always here to work with the Consumer.

    • Initial Complaint

      Date:03/26/2025

      Type:Billing Issues
      Status:
      Answered
      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 formally dispute the account referenced under account number ******************************************* SERVI that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with ABILITY RECOVERY SERVI Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

      Business Response

      Date: 03/27/2025

      BBB Complaint ID ******** - **** Chapa 

      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.

      Again, ARS is always here to work with the Consumer.


    • Initial Complaint

      Date:03/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 just appeared on my credit. I have no idea who they are. Never heard of them. I want them removed immediately.

      Business Response

      Date: 04/10/2025

      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 ******************* dated 1/12/2025 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.  See attached a copy of the Itemized Bill for the Consumers review.  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.

    • Initial Complaint

      Date:03/14/2025

      Type:Billing Issues
      Status:
      Answered
      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 honestly dont get why ABILITY RECOVERY SERVI is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: ******* Amount Disputed: $1400

      Business Response

      Date: 04/02/2025

      DUPLICATE TO BBB COMPLAINT ID ******** RECEIVED ON 4/1/2025

      Business Response

      Date: 04/07/2025

      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 1/15/2025 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.  See attached a copy of the Itemized Bill for the Consumers review pursuant to Consumer's verification request.

      Consumer should be advised that this matter has been placed in a properly disputed status at the Company and with credit reporting bureaus.  The Company acknowledges Consumer's request to cease all collections activities until the attached verification has been provided.

      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:03/14/2025

      Type:Billing Issues
      Status:
      Answered
      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 honestly dont get why ABILITY RECOVERY SERVI is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: *********** Amount Disputed: $1196

      Business Response

      Date: 03/18/2025

      BBB Complaint ID ******** - ***** Gabriel 

      Response:

      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 Complaint).  The Company takes consumer complaints seriously and has written a detailed response below after the Company conducted a thorough review of Consumers account in response to the **************************** is a third-party debt collection agency under contract with our client ************************ to provide collection services for accounts placed with us.

      Attached please find copies of the Enrollment Agreement and Ledger 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.  We invite Consumer to contact us directly to discuss settlement options as an effective way to have the account removed from Consumer's credit report.  If the Consumer would like further clarification and information, we are happy to provide same.  

    • Initial Complaint

      Date:03/12/2025

      Type:Billing Issues
      Status:
      Answered
      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 honestly dont get why ***** RECVRY is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: *********** Amount Disputed: $ 1855

      Business Response

      Date: 03/14/2025

      BBB Complaint ID ******** ******* Williams 

      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.

      Again, ARS is always here to work with the Consumer.

    • Initial Complaint

      Date:03/06/2025

      Type:Order Issues
      Status:
      Answered
      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 and I do not have a contract with ABILITY RECOVERY SERVI ) plus they did not provide me with the original application like I asked.Account No: ******* Amount Disputed: 2278

      Business Response

      Date: 03/12/2025

      BBB Complaint ID ******** - ******** ****** (*****)

      Response:


      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 Complaint).  The Company takes consumer complaints seriously and has written a detailed response below after the Company conducted a thorough review of Consumers account in response to the **************************** is a third-party debt collection agency under contract with our client Penn ****** to provide collection services for accounts placed with us.

      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 executed by Consumer whereby agreeing 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 same.  We invite Consumer to contact us directly to discuss options of settlement as an effective way to have the account removed from Consumer's credit report. 

    • Initial Complaint

      Date:03/05/2025

      Type:Billing Issues
      Status:
      Answered
      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 ************************ PC and I do not have a contract with ABILITY RECOVERY SERVICE plus they did not provide me with the original application like I asked. Account No: ***********Amount Disputed: $1,416.00

      Business Response

      Date: 03/24/2025

      DUPLICATE TO BBB COMPLAINT #********

      Business Response

      Date: 03/24/2025

      BBB Complaint ID ******** Yaizman ******

      Response:

      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 medical 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 November 14, 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 their rights under federal collection laws.  See attached a copy of the Itemized Bill for the Consumers review.  We acknowledge receipt of Consumers dispute and cease-and-desist demand.  In accordance with your request, we will not be initiating further direct communication with you regarding this matter,except as permitted by law.  Furthermore,we have marked Consumers account as disputed at the Company and with credit reporting bureaus.  However, based upon our investigation upon receiving your Complaint, we are unable to remove the account from your credit report because our investigation concludes that Consumers account is due and owing.  See attached Itemized Bill.

      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 and to have the account removed from the Consumers credit report.

      Again, the Company is here to work with the Consumer to bring a satisfactory resolution to this matter.

    • Initial Complaint

      Date:03/04/2025

      Type:Billing Issues
      Status:
      Answered
      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 ********************** on my credit report. This account is inaccurate, unverified, and violates the 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: 03/05/2025

      BBB Complaint ID ******** - ******* Marshall 

      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.

      Again, ARS is always here to work with the Consumer.

    • Initial Complaint

      Date:03/03/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      Someone claiming to be a process server has called me at my place of employment threatening to come and serve paperwork. I told her to do whatever she feels she has to do, but the calls at my job will stop. Of course, she continued to call. She left the phone number of the 'legally authorized party' and it's this ARS. I don't know who they claim I owe, but I am sure it's some old debt from years ago that they have purchased. I have never received any documentation of whatever this debt is that they claim I owe. All I have is threatening phone calls at my job. I want the calls to stop and I want them to not contact me again about this bogus debt.

      Business Response

      Date: 03/05/2025

      BBB Complaint ID ******** - ******** *******

      Consumer should be advised that we are unable to locate this matter in our database.  We will require additional information.

      Thank you

      Customer Answer

      Date: 03/06/2025

      [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,

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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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