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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.
    • 118 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:01/02/2025

      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 LORAIN EMERGENCY PHYSICIA 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: $1400

      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 October 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 her rights under federal collection laws.  See attached a copy of the itemized bill for the Consumers review.  

      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, including mailing a second Regulation F validation letter.  The Company invites the Consumer to contact us directly 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:12/30/2024

      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.
      I went to the hospital concerned about a serious infection in my hands that could be making me sick. When I first arrived I told them I felt extremely dehydrated. I was brought in, put in a chair, and left there for about 2 hours. No one checked on me, no one gave me IV fluids or even a glass of water, and I felt barely coherent. I got up to go to the bathroom and told the nurse I wanted to leave and revoke my consent to treatment. I was told I had to go back to my chair and wait for the *** I told her I didnt want to and she said I had to wait because they cant discharge me until the ** comes in and I cant leave. I was basically told I was not allowed to revoke my consent to treatment and was held against my will. I called to complain to the hospital and insisted I was not paying the bill because they didnt do anything and all the ** said was that since I had a positive covid test that was probably the only thing wrong with me and to wear a mask there was nothing else they could do. No offer of fluids, never looked at the serious infection in my hands, no offer of medication, nothing. No point to that conversation and no point to my bill that I tried leaving to avoid. Now I have a $1500 collections on my credit for it from ability recovery services. This is unlawful and could be considered forcible confinement, or unlawful detainment as I was held against my will. I demand that this be removed from my credit.

      Business Response

      Date: 01/13/2025

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

      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 08/17/2024 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.

      Customer Answer

      Date: 01/13/2025

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: 22749346

      I am rejecting this response because:
      The itemized bill they provided does no match the dates that they have listed on my credit report. They are claiming the debt is newer than it is in order to have more impact and make it stay on my report longer which is highly illegal. Accounts with inaccurate information on a report must be removed and the documentation provided does not prove the supposed original debt to begin with.
      This information needs to be removed from my report immediately. My medical information is protected by *****. And **** requires accurate credit reporting which this is not. 


      Regards,

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








    • Initial Complaint

      Date:12/30/2024

      Type:Customer Service 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.
      The requirements to work for this company must be next to none! Never in my entire adult life have I been yelled at by someone working in customer service! A collection account for this company appeared on my credit report out of nowhere on 12/17/24. I say out of nowhere because Ive never received any form of communication from these people regarding a balance owed for services I may have received. I attempted to call the company to get details on where the debt originated from and asked why Ive never been contacted prior to a debt of $2571 appearing on my credit report and the agent on the phone yelled at me saying they received my file on 11/7/24 and a letter was mailed to my PO Box on 11/14/24. First and foremost, I dont have a PO Box and have been living at my current address for the past two years and my mail comes to my home address. I attempted to explain this to her and request that I be sent a copy of said **** from the originator and again was yelled at by the customer service agent. I refuse to pay a debt for a proposed bill that Ive never received any form of communication for!

      Business Response

      Date: 01/14/2025

      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 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 her rights under federal collection laws.  See attached a copy of the itemized bill for the Consumers review.  

      We have conducted a thorough investigation into your concerns, including a review of the two (2) phone communications between you and our representative.  Based upon our findings, we did not identify any inappropriate conduct (harassment, profanity, etc.) from our representative during the interaction that warrants corrective action.  However, we recognize that the tone of the conversation may not have met the standard of professionalism that we strive for.  We understand that your experience did not meet your expectations, and we sincerely apologize if you felt disrespected or frustrated during your call. We have addressed this matter with the representative involved and reminded them of the importance of maintaining a calm and courteous demeanor at all times, even during challenging conversations. 

      Please know that all of our representatives receive extensive training to ensure they provide professional and courteous services. We are also reinforcing training and monitoring protocols to ensure all of our representatives consistently maintain the highest standards of professionalism in their interactions with consumers. 

      Regarding the debt in question, our records indicate that your account was received on November 7, 2024, and as mentioned above, that the Letter was mailed to the address we had on file on November 14, 2024. 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 have additional questions or believe there are errors regarding this debt, we encourage you to contact us.  

      Customer Answer

      Date: 01/15/2025

      [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. However, I request to have the business send a letter to my address detailing the original creditors information and any potential offers to resolve the assumed debt since as previously stated, I never received the first one that they indicated was sent to me. My correct mailing address is ********************************************** 

      Regards,

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

    • Initial Complaint

      Date:12/26/2024

      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 recently checked my credit report and realized this account reflecting. I am not responsible for this debt with *** OF *************. I have no contractual agreement with ABILITY RECOVERY SERVICES, and they have failed to provide the original contract as per my request.

      Business Response

      Date: 12/31/2024

      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.  This means that *** has the right to attempt collection of the debt directly with the Consumer.

      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 Consumer's review.  Our client is offering a 65% discount.

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

      Again, ARS is here to work with the Consumer.

      Customer Answer

      Date: 01/10/2025

      This account does not belong to me. I have not signed any contract. The date on my credit report said is was open 9/1/2024 and the document that they presented says date of service was from 02/24/2020-2/24/2020. Not to mention there are so many inaccuracies on the account that they are reporting. I understand that by law this is supposed to be reporting 100% accurate. There are ton of missing information and discrepancies. I demand this account to be removed from my credit report.

      Customer Answer

      Date: 01/10/2025

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: 22732938

      I am rejecting this response because: This account does not belong to me. I did not sign any contract with that hospital or the collection agency. they have violated my rights in many ways. If this account is not removed; I will be seeking legal advice from a consumer lawyer and possibly pursue arbitration. 


      Regards,

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








    • Initial Complaint

      Date:12/24/2024

      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 *************** 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: $946.00

      Business Response

      Date: 01/08/2025

      Complaint ID ******** ********* Lemons 

      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 10/29/2024 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.

      Consumer should be advised that this matter has been placed in a properly disputed status.  This matter 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.

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

      Again, ARS is here to work with the Consumer.

    • Initial Complaint

      Date:12/24/2024

      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 ************************ and I do not have a contract with ABILITY RECOVERY SERVICE plus they did not provide me with the original application like I asked.

      Business Response

      Date: 12/26/2024

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

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

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

    • Initial Complaint

      Date:12/20/2024

      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 *************** 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: $985

      Business Response

      Date: 12/30/2024

      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.

      A Regulation F letter dated 02/10/2023 was mailed to 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 along with credit reporting bureaus.  

      Attached please find a copy of the Itemized Bill for Consumer's review. 

      ARS invites 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:12/17/2024

      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.
      I have no knowledge this accounts with this company dont received any proof this debt is validated I dont any contract with us I want to remover immediately this account from my report You may be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. As such, you may wish to consult with a legal adviser before your next communication with me. Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fee ABILITY RECOVERY SERVICE *************************************************************** SERVICE ******************* Please remover inmediately from my report

      Business Response

      Date: 12/18/2024

      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 our client has closed both matters, closed in our office and removed from all credit reporting bureaus.  Please allow 30 days for all bureaus to update.  

      Customer Answer

      Date: 12/19/2024

      [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:12/12/2024

      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.
      Recently I did an investigation of my credit report and found several item on there to be inaccurate: Under U.S. Code 1681e ( b) Accuracy of Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates . 15 U.S. Code 1681 i ( 5) treatment of inaccurate or unverifiable information (A). In general if, after any reinvestigation under paragraph (1) of any disputed by a consumer. an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly deleted that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the result the reinvestigation; and (ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer report.Please remove the following items from my credit report, immediately.

      Business Response

      Date: 12/23/2024

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

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

    • Initial Complaint

      Date:12/11/2024

      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 SERVICE. They did not provide me with the original contract as requested.

      Business Response

      Date: 12/30/2024

      Complaint ID ******** - ***** ****** (Shearins)

      Ability Recovery Services, LLC (ARS) is a third party debt collection agency under contract with our client *********************** to provide collection services for all accounts placed with us.

      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 for Consumer's review.  As per the Enrollment Agreement Consumer agreed to all of the terms and conditions of same.

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

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

      Business Response

      Date: 12/31/2024

      Complaint ID ******** - ***** ****** (Shearins)

      Ability Recovery Services, LLC (ARS) is a third party debt collection agency under contract with our client *********************** to provide collection services for all accounts placed with us.

      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 for Consumer's review.  As per the Enrollment Agreement Consumer agreed to all of the terms and conditions of same.

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

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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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