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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.
    • 119 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:03/02/2025

      Type:Billing 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.
      Complaint Statement: I recently reviewed my credit report and noticed an inaccurate and invalid account reported by **********************. This account is not valid, and its presence on my report is a violation of the Fair Credit Reporting Act (FCRA). Under the ****, all reported accounts must be accurate, verifiable, and legally collectible. This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt, and without sufficient proof, it should not be reported. I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of the account, it must be removed in compliance with federal law.

      Business Response

      Date: 03/03/2025

      BBB Complaint ID ******** ****** Gibson 

      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.

      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,

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

    • Initial Complaint

      Date:02/28/2025

      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 ***** ********* ****, I do not have a contract with ***** RECVRY, they did not provide me with the original contract as i requested.

      Business Response

      Date: 03/03/2025

      BBB Complaint ID ******** ****** Tapp 

      Ability Recovery Services, LLC (***) is a third-party debt collection agency under contract with the current creditor to provide collection services for all accounts placed with us.

      Consumer should be advised that this matter has been recalled by our client and removed from all credit reporting bureaus.  The account is no longer with our agency.  Please allow 30 days for all bureaus to update.

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

    • Initial Complaint

      Date:02/24/2025

      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 with 07 ***************************** 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: $1,809.00

      Business Response

      Date: 02/25/2025

      Dear BBB and Consumer (Latifia Childress),

      Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID [********].  The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers.  The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.

      The Company is a third-party debt collection agency under contract with our client Penn ****** to provide collection services for all accounts placed with us.  Thus, the Company has the right to attempt to collect the debt directly with the Consumer. 

      Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same. As per our client to cancel this matter would be $797.85.

      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:02/22/2025

      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 have contacted this company to try get an issue resolved and they will not respond. This company has 4 different collections on my credit report. I do not have any business with this company, nor have I ever agreed to pay any debts with this company. I am asking for them to provide me with the original contract in which I agreed to pay any debts with there company. And I demand the reports be removed from my credit report immediately.

      Business Response

      Date: 03/12/2025

      BBB Complaint ID: ******** ********* Halusman

      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 accounts placed with us.  Thus, the Company has the right to attempt to collect the debt directly with the Consumer.


      Regulation F letters were mailed to the Consumer on January 11, 2024 in accordance with applicable laws (the Letters).  The Letters mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer his rights under federal collection laws.  See attached a copy of the Itemized Bills for the Consumers review.

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.  

      We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations.  The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter. 

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

    • Initial Complaint

      Date:02/22/2025

      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.
      Same owners of Penn ****** Owns Ability Recovery Services and they are falsely misleading people in attempts to put them in debt. 1. Illegal Collection Practices: Penn ****** have unlawfully contracted with Ability Recovery Services (said 3rd Party) to collect a debt that I do not owe, as my contract with ************************ was canceled within the required 5-day grace ******* According to the Georgia Fair Business Practices Act(O.C.G.A. 10-1-390 et seq.), businesses are prohibited from engaging in deceptive practices. Reporting a debt after a contract has been properly canceled is in clear violation of this act. Furthermore, by hiring Ability Recovery Services to collect on a void debt, ************************ is facilitating illegal collection practices.2. Misleading Accreditation Information: I have also discovered that ************************ misrepresented itself as being properly accredited. According to the Georgia Consumer Protection Act (O.C.G.A. 10-1-393), it is illegal for any educational institution to mislead students regarding its accreditation status. It has come to my attention that ************************ either failed to disclose that it was not properly accredited or provided false information about its accreditation to students, including myself. This constitutes fraudulent misrepresentation, and I will hold ************************ accountable for this deception.I have no contract with ability recovery services and they have no right to falsify and improperly put anything on my credit report.

      Business Response

      Date: 02/25/2025

      Dear BBB and Consumer (**** ******),

      Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********.  The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers.  The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.

      The Company is a third-party debt collection agency under contract with our client ************************ to provide collection services for [insert type of account] accounts placed with us.  Thus, the Company has the right to attempt to collect the debt directly with the Consumer. 

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus.

      Once again, attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.

      We are committed to providing transparency and ensuring the accuracy of reported information. If the Consumer would like further clarification and information,we are happy to provide a detailed verification of the account and explanations.  The Company invites the Consumer to contact us directly to discuss an effective way to resolve this matter. 

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

    • Initial Complaint

      Date:02/22/2025

      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 **************. I do not have a contract with ABILITY RECOVERY SERVICES LLC. They did not provide me with the original contract as requested.Under 12 CFR ******* (CFPB's National Consumer Assistance Plan), medical debt should not be reported until consumers have had adequate time to resolve any billing disputes. If the debt is paid or settled, it must be removed from the credit report. Additionally, medical debt related to unresolved insurance issues should not be reported until the consumer is fully informed of the balance and has time to address it.

      Business Response

      Date: 02/25/2025

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

      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:02/20/2025

      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.
      ******* ***** ***************************************** Debt Collector Name - ABILITY RECOVERY SERVI Debt Collector Address P.O. ************************** Account number *********** I am reaching out to whomever this matter concerns on behalf of myself, ******* *****, a federally protected consumer. I am enforcing my rights according to 15 *** 1692g by asking your company to VALIDATE the alleged debt as well as sending me evidence that I am obligated to pay this alleged debt. I am not refusing to pay the debt but rather ask your company to validate this debt as it is your lawful duty when asked by a consumer, I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the ***** and ****. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fail to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately.If adverse action is taken against me as a consumer, I will consult my legal counsel. Please be advised that according to 15 *** 1692g - Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-Thank you for your attention in this matter ***** ******* Without prejudice, All Natural Rights Reserved

      Business Response

      Date: 02/25/2025

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

      Ability Recovery Services, LLC (***) is a third-party debt collection agency under contract with the current creditor to provide collection services for all accounts placed with us.

      Consumer should be advised that this matter has been recalled by our client and removed from all credit reporting bureaus.  The account is no longer with our agency.  Please allow 30 days for all bureaus to update.

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

    • Initial Complaint

      Date:02/20/2025

      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 ***** RECVRY plus they did not provide me with the original application like I asked.Account No: *********** Amount Disputed: $ 1832

      Business Response

      Date: 02/25/2025

      Dear BBB and Consumer (Teary *****),

      Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********.  The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers.  The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.

      The Company is a third-party debt collection agency under contract with our client Penn ****** to provide collection services for all accounts placed with us.  Thus, the Company has the right to attempt to collect the debt directly with the Consumer. 

      Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same. 

      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:02/19/2025

      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.
      To Whom It May Concern,I am writing to formally address the fraudulent claims this company (Ability Recovery Services LLC) has reported on my credit file. These claims pertain to hospital bills that have either already been paid or charges from medical providers whom I, along with several others, have never visited.This situation has negatively impacted my credit for over a year, resulting in increased interest rates on my credit cards and other loans. I am seeking reimbursement for the financial losses I have incurred, as well as compensation for the time, stress, and emotional distress caused by this matter.The damage to my credit has been both financially burdensome and personally humiliating. I really hope she his issue will be taken with the utmost seriousness and resolved promptly, with the removal of all inaccurate information from my credit report. Please take take into account that this greedy and fraudulent company is ruining not only my life but the lives of many others .Thank you for your immediate attention to this serious issue.Sincerely,****** ******

      Business Response

      Date: 02/19/2025

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

      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:02/18/2025

      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 have never had an account with company reporting to my credit. Company not responding to notices.

      Business Response

      Date: 02/24/2025

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

      Response:

      Dear CFPB 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. 

      Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. 

      Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.  

      We are committed to providing transparency and ensuring the accuracy of reported information.  If the Consumer would like further clarification and information, we are happy to provide same.  


    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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