Business Profile

Collections Agencies

Ability Recovery Services LLC

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

439 total complaints in the last 3 years.
120 complaints closed in the last 12 months.

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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:11/05/2025
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.
The account lists a payment history that extends beyond its actual active period.
Business Response
Date: 11/10/2025

BBB Complaint ID ******** ********* ******
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 8/08/2025 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer his rights under federal collection laws.
Consumer should be advised that we requested the Itemized Bill from our client. Once we receive same we will forward to Consumers current address.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company 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:10/29/2025
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.
This account is inaccurate. Remove it from my credit Report.
Business Response
Date: 10/29/2025
BBB Complaint ID ******** 0 ******** *****

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 closed by our client, closed in our office and removed from all credit reporting bureaus. The account is no longer with our agency. We have performed another deletion. Please allow 30 days for all bureaus to update.

Again, ARS is always here to work with the Consumer.
Initial Complaint
Date:10/15/2025
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.
The collectors letter used deceptive language implying legal action when none was authorized.
Business Response
Date: 10/20/2025
BBB Complaint ID ******** - ******* Boykins
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 all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A copy of the Enrollment Agreement is attached for Consumer's review. and whereby Consumer agreed to all of the terms and conditions of same.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company and removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update.
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:10/07/2025
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 reporting identity theft involving a fraudulent Ability Recovery Service collection account (#************ opened on 08/19/2025 for $1,517. I did not apply for or authorize this account. I request immediate investigation, deletion from my credit reports, and written confirmation once resolved.
Business Response
Date: 10/13/2025
**** Complaint ID *************** ****** ******* Magdariaga
Response:
Dear **** 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 **** Complaint ID ***************. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***************, to provide collection services for medical accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
Please be advised that this matter has been closed in our office and removed from all credit reporting agencies. Please allow 30 days for all bureaus to update.
We are committed to providing transparency and ensuring the accuracy of reported information.
Initial Complaint
Date:10/06/2025
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 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:$630.00
Business Response
Date: 10/13/2025
BBB Complaint ID ******** ******* ********
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 08/16/2025 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer her rights under federal collection laws.
Consumer should be advised that this matter has been recalled by our client, closed in our office and removed from all credit reporting bureaus. Please allow 30 days for all bureaus to update.
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.
Again,the Company is always here to work with the Consumers.
Initial Complaint
Date:09/26/2025
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.
This account was reported with incorrect details that misrepresent the debt. These inaccuracies should not be allowed to harm my credit history.
Business Response
Date: 09/29/2025
BBB Complaint ID ******** - ****** Martinez
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 all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A copy of the Ledger is attached for Consumer's review.

Consumer should be advised that this matter has been placed in a properly disputed status with the Company 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.
Customer Answer
Date: 10/08/2025
I cannot accept this outcome. I have already provided all necessary documents and met every requirement related to this dispute. The matter is urgent and directly impacts my financial stability. Please escalate and resolve this immediately.
Customer Answer
Date: 10/08/2025
Ive already provided everything you asked for regarding this dispute. I understand delays can happen, but this matter is very urgent and is affecting my financial progress. Please prioritize resolving it immediately.
Customer Answer
Date: 10/10/2025
[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: 23936625

I am rejecting this response because:I cannot accept this outcome. I have already provided all necessary documents and met every requirement related to this dispute. The matter is urgent and directly impacts my financial stability. Please escalate and resolve this immediately.

Regards,

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

Business Response
Date: 10/13/2025
BBB Complaint ID ******** ****** Martinez
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 ********************************* o 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.
Copies of the Enrollment Agreement and Ledger are attached for Consumer's review and whereby Consumer agreed to all of the terms and conditions of same.
Consumer should be advised that this matter has been placed in a properly disputed/cease and desist status with the Company 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.
Customer Answer
Date: 10/14/2025
[Ive done my part by providing all the required documents. Its disappointing that Im still waiting for a resolution. This matter is urgent and needs prompt attention.]

Complaint: 23936625

I am rejecting this response because:

Regards,

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

Customer Answer
Date: 11/12/2025
All evidence has been properly submitted, leaving no reason for further delay. I expect immediate closure of this dispute.
Initial Complaint
Date:09/25/2025
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.
No validation notice was ever sent regarding this debt, which is required by law.
Business Response
Date: 09/29/2025
BBB Complaint ID ******** - ****** Harrington
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 Credit ****. Solutions to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A copy of the validation documents are attached for Consumer's review.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company 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.
Customer Answer
Date: 10/01/2025
I am not accepting the resolution for this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.

Customer Answer
Date: 10/01/2025
I am not accepting the resolution for this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.
Initial Complaint
Date:09/22/2025
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 disputing the validity and accuracy of a collection account being reported by ABILITY RECOVERY SERVI. This account was never authorized by me, and I have no knowledge of this alleged debt. Reporting this account without my consent or verification is a clear violation of my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, which requires all items on a consumer report to be complete, accurate, and verifiable. The account is listed as being opened on 7/1/2025, with a balance of $645, and an account number beginning with ***********. Failure to respond to this dispute within 30 days and delete unverifiable information will result in complaints being filed with the ************************************ (****), the ************************ (***), and my state ************************* Also, under the Fair Debt Collection Practices Act (FDCPA), I am asserting my right to cease all communication regarding this alleged debt. You are hereby notified to stop all calls, emails, and written communication immediately.
Business Response
Date: 09/29/2025
BBB Complaint ID ******** ****** ******
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 07/16/2025 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer her rights under federal collection laws.
We have requested the Itemized Bill from our client. Once we receive same we will forward to Consumer at Consumers current address.
Consumer should be advised that this matter has been placed in a properly disputed/cease and desist status with the Company 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:09/19/2025
Type:Service or Repair 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.
Multiple errors and violations are tied to this account, including failure to validate and incorrect reporting. These actions have caused harm to me as a consumer.
Business Response
Date: 09/22/2025
BBB Complaint ID ******** ******* **********
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 05/16/2024 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 his rights under federal collection laws.
We have requested the Itemized Bill from our client. Once we receive same we will forward to Consumer at Consumers current address.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company 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.
Customer Answer
Date: 09/22/2025
I am not accepting the resolution for this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.

Customer Answer
Date: 10/01/2025
I am not accepting the resolution for this is very urgent matter and it is hindering me to reach my financial goal I wanted this to be resolve immediately.
Initial Complaint
Date:09/19/2025
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.
The debt has been misrepresented in both amount and status. The way it is reported misleads other creditors and ***** my credit standing.
Business Response
Date: 09/30/2025
BBB Complaint ID ******** - ****** Bartley
Dear BBB and Consumer,
Thank you for bringing this matter to our attention. Ability Recovery Services, LLC (the Company or we) files this response (the Response) to the BBB Complaint ID ********. The Company takes all consumer feedback seriously and is deeply committed to maintaining the highest standards of professionalism and compliance in our interactions with consumers. The ****************************** carefully oversees matters like this to ensure that all policies and procedures are followed appropriately.
The Company is a third-party debt collection agency under contract with the current creditor, ***********************, to provide collection services for all accounts placed with us. Thus, the Company has the right to attempt to collect the debt directly with the Consumer.
A Regulation F letter dated 04/23/2025 was mailed to the Consumer in accordance with applicable laws (the Letter). The Letter mailed to the Consumer contained relevant information to identify the medical debt and provided the Consumer her rights under federal collection laws.
We have attached a copy of the State for Consumer's review.
Consumer should be advised that this matter has been placed in a properly disputed status with the Company 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.

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Ability Recovery Services LLC is NOT a BBB Accredited Business.