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:02/18/2025

  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.

  Dispute letter I have not been supplied proof under the doctrine of estoppel by silence, ********** *. ******* (mo) 281 SW *******, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

  Business Response

  Date: 02/18/2025

  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:02/12/2025

  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'm filing an complaint about misinformation that's being reported on my credit report by a company called ABILITY RECOVERY LLC Located in ******, PA *****

  Business Response

  Date: 02/21/2025

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

  
  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 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.  As per our client this matter is still due and owing.
  
  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.  

  In addition, Consumer may contact us directly to discuss settlement options as an effective way to have the account removed from Consumer's credit report. 

  
  

• Initial Complaint

  Date:02/07/2025

  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 formally dispute an alleged debt listed on my credit report under your companys name for the amount of $12,322, reportedly opened on January 6, 205 nor an agreement was signed with you all.I have no knowledge of this debt and have never been contacted by your company in any way regarding its existence.Despite the serious nature of this matter, your company has made no attempts to notify me or provide me with any documentation or validation regarding this alleged obligation.This lack of communication has left me unable to verify the validity of the claim, and the appearance of this debt on my credit report has caused significant concern.I am formally requesting the following actions:1.Cease all collection activities related to this alleged debt until it is properly validated.2.Provide written documentation validating this debt, including original creditor details, transaction history, and any agreements or contracts bearing my signature.3.Remove this debt from my credit report immediately if you cannot provide proper validation.4.Notify all relevant credit reporting agencies of the removal to ensure my credit report is updated accurately.This letter serves as a formal dispute under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).As required by law, all collection activities must cease until you provide proper validation of this debt.I expect a written response addressing this matter within 30 days of your receipt of this letter. If you fail to provide adequate validation or take appropriate corrective action,i will escalate this matter to the ************************************ (****),the ************************ (***),and other relevant regulatory agencies. ************** reserve the right to seek legal remedies if necessary to protect my rights and ensure the correction of my credit report.Thank you for your prompt attention to this matter. I look forward to resolving this issue in a fair and timely manner.

  Business Response

  Date: 02/11/2025

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

  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 (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 Complaint. 
  

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

  Attached please find a copy of the Enrollment Agreement for Consumer's review.  Our client is offering a 15% discount.

  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.
  laws.    

• Initial Complaint

  Date:02/05/2025

  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 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: $935.00

  Business Response

  Date: 02/13/2025

  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 Better Business Bureau (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 Complaint. 
  

  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 from the Consumer. 
  

  Consumer should be advised that this matter has been placed in a properly disputed status and has been removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.   
  

  Please be aware that your dispute does not cancel or nullify the debt.  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:02/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notification of a new report on my credit from Ability Recovery Services LLC on Jan. 21, 2025 for $1330.00 to my email asking if it was a correct report. It didn't show immediately when I tried to view it because I was looking on the CreditKarma app and am not familiar on checking my credit ********* says the credit report was opened by them Dec. 18, 2024. I have no knowledge of what this is. I already submitted a dispute because I do believe this is fraud. I never heard of them or received anything from anyone about this. I dont even know if the 1 of 3 addresses I entered that was listed for them is the correct one.

  Business Response

  Date: 02/05/2025

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

  Ability Recovery Services, LLC is a third-party debt collection agency.

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

  Customer Answer

  Date: 02/05/2025

  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:02/02/2025

  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've been trying to get a loan and found out about a collection on my credit and there is two from these people back to back and nobody seems to know what's it's about. I need this loan or I'll lose this house. Lender tells me to not dispute but I'm not paying 3000 for a debt that's not mine. Of my girls and l lose this house I'll drive my a** across this country and knock on the office door and there will be trouble

  Business Response

  Date: 02/04/2025

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

  Ability Recovery Services, LLC is a third-party debt collection agency.

  Consumer should be advised that these matters have been recalled and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  Thank you

• Initial Complaint

  Date:02/02/2025

  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.

  Ive disputes a collection account they have posted, Which does not belong to me. Ive sent a dispute letter to the actual creditor and Experian asking for them to show me the original contract, total amount paid or exactly do they have that proves that debt is either accurate or something that can verify that the debit is mine. They keep saying they have verified the information but they have not supplied me with any of the documentation thats proves that. I am not say that this debt is or is not mine. I am simply asking for information to have that debt verified to me. Ive been asking for 60 days and still have not received anything I do not know if this is a Experian issue or a issue with the business its self but Ive emailed & mailed certified mail asking for proof.The documents I attached in the supporting documents section in the paper I mailed to both Experian and the collection agency several times and still Have not received the documentation.

  Business Response

  Date: 02/10/2025

  Complaint ID ******** ***** Story 
  
  Ability Recovery Services, LLC (ARS) is a third-party debt collection agency under contract with our client Penn ****** to provide collection services for all 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. 
  
  *** invites Consumer to contact us directly to discuss options of discount as an effective way to have the account removed from Consumers credit report.
  
  Again, ARS is here to work with the Consumer.
  

  Customer Answer

  Date: 02/19/2025

  That enrollment agreement has the wrong address on it, which is not my current nor former address. That enrollment agreement does not show where I agreed or signed a contract with ability recovery services Ive also contacted the school with this same information that the address they have on file is incorrect. This case has been reported as a case of identity theft because I have never enrolled. The picture I included of my license shows my current address as well as a bank statement that shows my current address as well.

  My address being incorrect is error #1

  The spelling of my name being incorrect is number #2
  

  There are plenty of errors on this  verification letter that proves you do not have the correct information that I am asking for.

  A

• Initial Complaint

  Date:01/24/2025

  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 was enrolled as a student in ***********************, for some classes. After several weeks of being enrolled in the class. I came down with Covid Severely bad. At this point, I was unable to withdraw from the class. I ended up failing the classes. ****** received a student loan on my behalf to pay for my classes tuition and now they are trying to make me pay for something through a collection agency, that I have no recollection of. Federal aid has been given to them on my behalf. I didn't sign a contract with this collection agency. I also requested copies of anything and they would not provide. They just place it on my credit report.

  Business Response

  Date: 01/28/2025

  Complaint ID ******** - ****** Fairman 
  
  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 placed in a properly disputed status along with credit reporting bureaus. 
  
  Attached please find a copy of the Enrollment Agreement and Ledger whereby Consumer agreed to all of the terms and conditions of same. Our client is offering a 15% discount. 

  ARS invites Consumer to contact us directly to discuss options of settlement as an effective way to have the account removed from Consumers credit report.

  
  Again, ARS is here to work with the Consumer.

• Initial Complaint

  Date:01/23/2025

  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.

  Jan 17, 2025 I was alerted by a credit reporting agency to a collections being reported on my credit report from this company. Confused, I reached out to the company only to be met with the rudest customer service and then hung up on. I tried calling again and again just for basic information as I have no knowledge of this claimed debt. I was never given an answer to the original creditor or even what the debt is from. I have never received any correspondence from this company and I do not owe any one that amount of money. This company has a history of defrauding people as you can see just by looking the business up online. I think this should be shut down before they rob others. I want the bogus collections taken off my credit report immediately as it is fraudulent and illegal. I couldn't get them to give me an account number so this is what i found on my credit report

  Business Response

  Date: 02/03/2025

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

  Ability Recovery Services, LLC (***) is a third party debt collection agency.

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

• Initial Complaint

  Date:01/16/2025

  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.

  ****** **** Birthdate ********** Dear Ability Recovery Services,I am writing regarding a debt in the amount of $2,228 that appeared on my ********** credit report on December 5, 2024. I have no prior knowledge of this debt, and you did not notify me of its existence before reporting it, which constitutes a violation of the Fair Credit Reporting Act (FCRA).Pursuant to the Fair Debt Collection Practices Act (FDCPA) 809, I am requesting validation of this debt. Specifically, I ask that you provide the following:1.Proof of the debts validity: Documentation demonstrating the original account, the nature of the debt, and how the amount was calculated.2.Proof of your authority to collect: A copy of the agreement that grants you the right to collect on this alleged debt.3.Details about the original creditor: Including their name, address, and contact information.4.Proof of proper notification: Documentation that demonstrates you fulfilled your obligation to notify me about this debt prior to reporting it to the credit bureaus.Additionally, I demand that you immediately cease reporting this debt to any credit reporting agencies until you provide the requested validation and resolve this matter in compliance with applicable laws. Reporting inaccurate or unvalidated debt is a violation of the **** and FDCPA.If you cannot provide the requested documentation, I insist that you remove this debt from my credit report and notify all credit reporting agencies of this correction. Failure to comply may result in further legal action, including but not limited to filing complaints with the ************************************ (****) and my state attorney generals office.Please consider this letter a formal dispute of the debt. I expect your response in writing within 30 days, as required by law. You may contact me at only for the purpose of confirming receipt of this letter or clarifying information directly related to this dispute.****** ****

  Business Response

  Date: 01/27/2025

  Complaint ID ******** - ****** Kerr 
  
  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.
  
  A Regulation F letter dated 12/18/2024 was mailed to the Consumer providing all information needed to identify the medical debt and to provide the Consumer his rights under federal collection laws.
  
  Attached please find a copy of the Itemized Bill for Consumers review.
  
  *** invites Consumer to contact us directly to discuss options of settlement as an effective way to have the account removed from Consumers credit report.
  
  Again, ARS is here to work with the Consumer.