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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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Ability Recovery Services LLC has 4 locations, listed below.

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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:01/14/2025

      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 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: $647

      Business Response

      Date: 01/22/2025

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

      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 and has been removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  

      Attached please find a copy of the Itemized Bill for Consumers review.

      *** invites Consumer to contact us directly to discuss options of settlement. 

      Again, ARS is here to work with the Consumer.

    • Initial Complaint

      Date:01/13/2025

      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.
      According to my research, your company is not authorized to collect debts in the state of ********, as required by applicable state laws and regulations. As such, your attempts to collect this debt are in direct violation of the law.

      Business Response

      Date: 01/22/2025

      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 ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.  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 original and 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. 
      A debt validation letter dated January 16, 2023 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the debt to provide the Consumer her rights under federal collection laws. 

      We acknowledge receipt of your correspondence through the Complaint in which you requested that we cease all communications regarding the debt referenced in our previous correspondence.  We take your cease and desist request seriously and are committed to compliance with the Fair Debt Collection Practices Act (FDCPA) and all applicable laws. To address your requests and clarify the matter, please note the following:  

      Authorization to Collect Debts in *********  The Company is fully registered and compliant in the State of ********.

      Validation of Debt and Enrollment Agreement.  Our records indicate that this debt originated from an unpaid fee owed to our client, ***********************, as per the terms of the Enrollment Agreement.  See attached Enrollment Agreement.  The Enrollment Agreement explicitly states that Consumer understands, that as a condition of her enrollment, that she is financially responsible for any or all charges incurred including tuition, program, and collections fees.  As stated above, Consumer was notified of the debt with *********************** via the Letter.  As the agency responsible for collecting this debt, we have complied with all legal requirements in contacting you to recover the outstanding balance.Cease and Desist Request.  We respect your right to request that we cease communication.  Please be aware that your request to cease communications does not cancel or nullify the debt.  The debt will continue to be reported as a disputed account to credit reporting agencies as permitted by law.  If you continue to believe this debt is inaccurate or you wish to resolve it, we encourage you to contact us to discuss your options.

      We are committed to providing transparency and ensuring the accuracy of reported information.  The Company now notes the following:  This communication is from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.  The Company invites the Consumer to contact us directly to discuss a [15%discount] off of her remaining balance to close their account 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:01/12/2025

      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.
      This was a medical procedure done on 11 April 2023, an ear irrigation. The patient is my wife, ***** ********. Several months later we received an invoice with no insurance payment noted. I enquired into this and found that the clinic (WellNow) had not submitted this to insurance. As can be seen on my handwritten notes on the uploaded documents, I contacted the clinic in June 2023 and gave them the correct insurance information. ******* never submitted this to insurance. I can prove this based on the The Health Plan claims information. Later notes are payments to a Dr. ******** for the same service that ******* was not able to do on the date noted. We paid our bill to Dr. ******** which is a different invoice that I noted on the same paper. The ******* clinic did not follow up with this and then probably sold their debt to this collection agency. Since they did not follow up with insurance or with invoices to us, they must drop this issue. Bad business practice. We would be willing to pay half of this bill, which would be fair.

      Business Response

      Date: 01/27/2025

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

      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.

      A Regulation F letter dated 12/25/2024 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.

      This matter has been placed in a properly disputed status.  This matter is not credit reporting.

      Attached please find a copy of the Itemized Bill for Consumers review.  Our client is offering a 20% discount for this matter.

      ARS invites Consumer to contact us directly to discuss options of settlement. 

      Again, ARS is here to work with the Consumer.

      Customer Answer

      Date: 02/07/2025

      The offer of a 20% discount is not sufficient.  The fact that ******* did not submit this claim to our insurance at the time, means that the approximately 50% that the bill would have been reduced was lost.  We will not pay 80% of this bill.  We agree that we owe approx. 50% of the current bill.  Thank you.

      Business Response

      Date: 02/13/2025

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

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

      Consumer should be aware that this matter has been recalled by ********************************* and closed in our office.  Thank you

    • Initial Complaint

      Date:01/12/2025

      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.
      An alleged debt has been reported to a major credit bureau under my name with "Ability Recovery Ser" as the creditor. I do not recognize this debt nor this company. "Ability Recovery Ser" is listed as the original creditor yet I have not done business with this organization and do not have a contract with them. I have not been contacted by this company nor informed of the origins of this alleged debt.

      Business Response

      Date: 01/27/2025

      Complaint ID ******** - Xaun Wilson 

      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.

      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.

    • Initial Complaint

      Date:01/11/2025

      Type:Service or Repair 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.
      ABILITY RECOVERY SERVICE THEY HAVE NOT CONTACTED ME IN ANY FORM OR FASHION. THERE FORE *** HAS NO LEGAL RIGHT TO REPORT SAID CLAIM. There either changing dates and altering old medical bills, or some other entity, (Possibly have been transcribed false information by another fraudulent institution/entity.) in a fraudulent manner to acquire financial gain at the sake of my loss, my familys loss, and my suffering. This is a ENTIRELY FALSE report! Report shows November 2024. And December 2024? Its very apparent that this is completely fabricated and fraudulent! I see where they have responded and handled or appears to have satisfied another victim/person. Im contacting and using every form possible to resolve and report this transgression. If I truly owed it, Id do my best to pay it, depending on what debt is for. Forgive us our debts just as we forgive our debtors. But this isnt a debt this is theft. I do not authorize or give consent to BBB to alter my information or sale my information to a 3rd party or any party. BBB or ARS may in no way act in a vicious malicious manner towards me, my mind, my body , my family, my spirit , my soul, or my ALL CAPS NAME OR MY TRUE NAME!

      Business Response

      Date: 01/20/2025

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

      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 11/14/2024 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 Cosnumers 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.

    • Initial Complaint

      Date:01/09/2025

      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.
      On 03/17/2020 my twin brother (***** *****) went to er at ****************. And for some reason on 09/01/2024 I had the bill go into collections on my credit report. The amount of the bill was *****. I called the business and they sent me the receipts in the mail. I made a dispute on the Experian but they told me the information that I provided was incorrect. Its effecting my credit score tremendously and Id like it removed. Ive attached a copy of the bill with all the information on it.

      Business Response

      Date: 01/20/2025

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

      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 placed in a properly disputed status along with credit reporting bureaus. 

      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.

      Customer Answer

      Date: 01/22/2025

      [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. Please email me in written form when this is resolved. 

      Regards,

      ***** *****

    • Initial Complaint

      Date:01/09/2025

      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: $4490

      Business Response

      Date: 01/23/2025

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

      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 ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.  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 original and 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. 
      A debt validation letter dated March 21, 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 debt to provide the Consumer her rights under federal collection laws. 

      We acknowledge receipt of your correspondence through the Complaint in which you requested that we cease all communications regarding the debt referenced in our previous correspondence.  We take your cease and desist request seriously and are committed to compliance with the Fair Debt Collection Practices Act (FDCPA) and all applicable laws. To address your request and clarify the matter, please note the following:  

      Validation of Debt and Enrollment Agreement.  Our records indicate that this debt originated from an unpaid fee owed to our client, ***********************, as per the terms of the Enrollment Agreement.  See attached Enrollment Agreement.  The Enrollment Agreement explicitly states that Consumer understands, that as a condition of her enrollment, that she is financially responsible for any or all charges incurred including tuition, program, and collections fees.  As stated above, Consumer was notified of the debt with *********************** via the Letter.  As the agency responsible for collecting this debt, we have complied with all legal requirements in contacting you to recover the outstanding balance of $4490.  See attached Ledger.

      Cease and Desist Request.  We respect your right to request that we cease communication.  Please be aware that your request to cease communications does not cancel or nullify the debt. 

      The debt will continue to be reported as a disputed account to credit reporting agencies as permitted by law.  If you continue to believe this debt is inaccurate or you wish to resolve it, we encourage you to contact us to discuss your options. 

      We are committed to providing transparency and ensuring the accuracy of reported information.  The Company now notes the following:  This communication is from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.  The Company invites the Consumer to contact us directly to discuss a 15% discount off of her remaining balance to close their account 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:01/07/2025

      Type:Customer Service 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 ABILITY RECOVERY SERVICES LLC, I do not have a contract with ***** EMERGENCY PHYSICIANS L, they did not provide me with the original contract as I requested

      Business Response

      Date: 01/14/2025

      Complaint ID ******** ****** Jones 

      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.

      A Regulation F letter dated 10/14/2024 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 Cosnumers 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.

    • Initial Complaint

      Date:01/06/2025

      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 with OLEANDER EMERGENCY MED AS, I do not have a contract with ABILITY RECOVERY SERVICES, LLC, they did not provide me with the original contract as requested.

      Business Response

      Date: 01/15/2025

      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 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 (a medical debt purchaser) 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 7, 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 her rights under federal collection laws.  See attached a copy of the itemized bill for the Consumers review. 

      It is the Companys goal to ensure that all consumers are satisfied with their interactions with us and to provide clear and accurate communication about their accounts.  If you believe there are errors regarding this debt, we encourage you to contact us. 

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

    • Initial Complaint

      Date:01/06/2025

      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 with *** OF *******************. I do not have a contract with ABILITY RECOVERY SERVICE. They did not provide me with the original contract as requested.

      Business Response

      Date: 01/14/2025

      Complaint ID ******** Alyssa ***************************************** 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.

      A Regulation F letter dated 02/13/2024 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 Cosnumers 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.

    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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