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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

    • 449 total complaints in the last 3 years.
    • 127 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:06/26/2025

      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 ABILITY RECOVERY SERVICE, I do not have a contract with them, they did not provide me with the original contract as I requested.Correction to my credit report, I demand this account be removed from credit report.

      Business Response

      Date: 06/30/2025

      BBB Complaint ID ******** - Johane Hilaire 

      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. 

      A copy of the Enrollment Agreement is attached whereby the Consumer agreed to all of the terms and conditions of same. 

      As per our client to return and continue would be $646.40.  

      Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the 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:06/18/2025

      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 includes automatic renewal for a subscription I explicitly declined in writing

      Business Response

      Date: 06/24/2025

      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 various clients to provide collection services for all accounts placed with us.   

      We have received Consumers complaint and are unclear on the specific nature of the allegation.  There is no debt with our company for this Consumer that includes an automatic renewal for a subscription.  Thus, it is not clear what the Consumer believes was done improperly, and the company believes the Consumer may be referring to the wrong debt. 

      We are committed to providing transparency and ensuring the accuracy of all information.

      Company is always here to work with the Consumer.


    • Initial Complaint

      Date:06/12/2025

      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.
      I honestly dont get why ABILITY RECOVERY SERVI is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: Amount Disputed: $

      Business Response

      Date: 06/16/2025

      BBB Complaint ID ******** - Avaney Rivers 

      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 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 with the 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:06/10/2025

      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.
      My name is ****** ****** Rolon *********, and I am filing this report because I have been a victim of identity theft. There are several accounts appearing on my credit report that I did not open or authorize, and I am requesting that they be blocked or removed as permitted under FCRA Section 605B.The accounts below are not mine, and they are negatively affecting my credit:1.ABILITY Recovery Service Collection $360 ****** of America Secured Card 3.Dept of ************************ $2,442 4.Eastern Account System I Collection $424 5.******************************* Collection $549 6.I ************ Collection 7. ************************ Collection $1,526 8.OppLoans/FEB Unsecured Loan $2,072 9.Resurgent/LVNV Funding Debt Buyer $676 10.Santander Consumer *** Auto Loan 11.NETCREDIT/TABLOC Opened 12/21/2022 Status: Collection 12.Verizon Wireless Cell Phone $350 I did not open or authorize any of these accounts. They are the result of fraudulent activity and identity theft.

      Business Response

      Date: 06/12/2025

      BBB Complaint ID ******** - ****** ****** Rolon *********

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

      Consumer should be advised that this matter has been closed by our client, closed in our office and removed from all credit reporting bureaus.  The account is no longer with our agency.  Please allow 30 days for all bureaus to update.

      Again, ARS is always here to work with the Consumer.

    • Initial Complaint

      Date:06/02/2025

      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 ***********************. 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: 06/10/2025

      BBB Complaint ID ******** - Solange Habibatur Mbah 

      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 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 and with the 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:05/21/2025

      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.
      Hello iam not aware of this company I never had busniness with them I want them to removed their collection account to my credit report even they called and ask for my information I told them that was not me they still report it to my credit report I want this to be remove immediately.Thank you

      Business Response

      Date: 06/06/2025

      **** Complaint ID *************** ****** ****  

      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 our client ************ 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 Consumers review.    

      Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the 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:05/21/2025

      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.
      Until today, I had never even heard of Ability Recovery Services. I discovered a collections account that had been added to my Equifax credit report and had already lowered my score by 19 points. It was clearly a veteran's medical debt for $25,337, but I have never once been in the military. Given these circumstances, my identity has been stolen and I am a victim of fraud. I have not yet attempted to contact this business since I made this discovery less than an hour ago, but I plan to do so ASAP. My credit should not be suffering because of something I did not even do. This business, if it's even legitimate, needs to be held accountable because I'm clearly not the only person who's had trouble with them before.

      Business Response

      Date: 06/06/2025

      BBB Complaint ID ******** - **** Wilkins 

      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 Tasman Credit 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 Promissory Note and Payment History for this matter whereby Consumer agreed to all of the terms and conditions of same.  If this is an Identity Theft/Fraud matter, our client will require a police report for same.

      Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the 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:05/11/2025

      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.
      Debt has been paid but has not removed from my credit report.I was contacted by *** from Ability Recovery Services around the end of 2024 to resolve my debt - a medical bill from 2023 totaling $1,395.00. *** offered a settlement on this debt to have it removed from my credit. I agreed to pay the settlement in two payments of $418.50. The first payment was made January 15, 2025 at 7:35AM. The second payment was made February 14, 2025 at 7:35AM. Both payments were authorized to be taken automatically from my bank account and were completed. I have emailed receipts for both payments (pasted at the bottom of this description). The debt has not been removed from my credit. When trying to reach *** (extension 232), I am sent directly to his voicemail. When I dialed extension 233 after months of not being able to reach them, I was cursed at and told that no one would ever call me back by a woman who would not give me her name. Credit Card Transaction Receipt Transaction Date/Time:2/14/2025 7:35:47 AM EST Merchant Name:Ability Recovery Services, LLC Merchant Country:************* Invoice Number:Customer Account *************** Description:TEXOMA EMER PAID/CBR DELETED Subtotal:$418.50 Convenience Fee:$0.00 Total Amount:$418.50 Transaction Type:Sale Billing Zip Code:75021-4039 Billing Address:************************** Billing City:Billing State:Transaction *********** Result:Approved Message:Success Auth Code:308101 AVS Result:Y CVV Result:Credit Card Transaction Receipt Transaction Date/Time:1/15/2025 1:43:53 PM EST Merchant Name:Ability Recovery Services, LLC Merchant Country:************* Invoice Number:Customer Account *************** Description:TEXOMA EMER PAYMENT 1/2 Subtotal:$418.50 Convenience Fee:$0.00 Total Amount:$418.50 Transaction Type:Sale Billing Zip Code:75021-4039 Billing Address:***************************************:Billing State:Transaction *********** Result:Approved Message:Success Auth Code:607130 AVS Result: Y CVV Result:

      Business Response

      Date: 06/02/2025

      BBB Complaint ID ******** - ***** Stanley 

      Ability Recovery Services, LLC (ARS) is a third-party debt collection agency under contract with the current creditor to provide collection services for all accounts placed with us.

      Consumer should be advised that this matter has been recalled by our client and removed from all credit reporting bureaus.  The account is no longer with our agency.  Please allow 30 days for all bureaus to update.  Attached please find a copy of the deletion from all bureaus.

      Again, ARS is always here to work with the Consumer.

    • Initial Complaint

      Date:05/09/2025

      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 reported debt contains incorrect information, making it invalid and disputable.

      Business Response

      Date: 05/15/2025

      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 3/20/2025 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 her rights under federal collection laws. 

      Once we receive the Itemized Bill we will forward same to the Consumer.

      Consumer should be advised that this matter has been placed in a properly disputed status with the Company and with the 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:05/09/2025

      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 with ********* EMERGENCY PHYSICIA. I do not have a contract with ABILITY RECOVERY, LLC. They did not provide me with the original contract as requested.

      Business Response

      Date: 05/09/2025

      BBB Complaint ID ******** - ******* Martinez 

      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 recalled by our client and removed from all credit reporting bureaus.  The account is no longer with our agency.  Please allow 30 days for all bureaus to update.

      Again, ARS is always here to work with the Consumer.

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

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