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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

    • 441 total complaints in the last 3 years.
    • 113 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:10/15/2025

      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.
      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:
      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 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:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt and I do not have a contract with ***** RECVRY plus they did not provide me with the original application like I asked.Account No: *********** Amount Disputed:$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:09/25/2025

      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.
      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:
      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 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:
      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.
      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:
      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.
      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.

    • Initial Complaint

      Date:09/09/2025

      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.
      The reporting indicates an incorrect high balance, distorting the accounts history.

      Customer Answer

      Date: 09/10/2025

      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.

      Business Response

      Date: 09/11/2025

      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 07/18/2025 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 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.

    • Initial Complaint

      Date:09/06/2025

      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 same account appears multiple times with different identifiers in my report.

      Business Response

      Date: 09/10/2025

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

      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 03/20/2025 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. 

      Once again the Itemized Bill is attached for Consumer's review. This is the only matter that is in our office. 

      Consumer should be advised that as per our client this matter is still due and owing.  ********** has settlement offers and payment arrangement available to the Consumer. 

      Consumer should also 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:09/03/2025

      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 do not recognize an account with *****************************. I have never owned a contract with Ability Recovery Services as well. It is against metro 2 guidelines to report an account as charged off and past due. Base segment 21 also states that it is against the law to display an account as charged off while carrying a balance.

      Business Response

      Date: 09/11/2025

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

      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 Penn ****** to provide collection services for all accounts placed with us.  Thus, the Company has the right to attempt to collect the debt directly with the Consumer.   

      Attached please find copies of the Enrollment Agreement and ledger 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 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.

    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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