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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:08/31/2025

      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.
      On August 30, 2025, I received an attempt to collect letter from Ability Recovery Services dated August 19, 2025. The amount Ability is attempting to collect is for services rendered by WISE EMERGENCY MEDICINE ASSC PA in the amount of $593.14. The date of service was September 6, 2021, and the bill is due to services rendered by an out-of-network emergency physician. *********************** ASSC PA transferred my account to an outside collection agency two years ago (Capio). I was only made aware due to a significant and abrupt drop in my credit score. At that time, I contacted the collection agency (*****) and informed them that the services associated with this debt fall under the NO SURPRISES ACT. I was assured that the debt would be written off and all three credit bureaus informed. The next month, my credit score went back to normal. This was TWO years ago. However, it now appears that *********************** ASSC PA has sold my debt to a SECOND collection agency, well after this debt was adjusted off by the first collection agency (*****). At the time of service, my health insurance carrier was Cigna and was regulated under the ***************************** (***). The NO SURPRISES ACT for DOI plans went into effect on January 1, 2020. The services that apply to the balance were for an out-of-network Emergency Room physician at an in-network facility. This type of service/billing practice falls directly under the NO SURPRISES ACT and MUST be written off and NEVER sent to an outside collection agency.

      Business Response

      Date: 09/09/2025

      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, ***************, 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 August 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. 

      Please be advised that we have initiated an investigation into the issue you have raised.  While this investigation is ongoing, we have requested the removal of this account from all credit bureau reporting systems.  Please allow 30 days to update.  Additionally, we have forwarded your complaint to our client for review and to verify the information found in this complaint. 

      We are committed to providing transparency and ensuring the accuracy of reported information. We appreciate your patience during this process. 


    • Initial Complaint

      Date:08/21/2025

      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.
      I am submitting this complaint regarding a collection account reported by this collections company on behalf of ***********************. The account in question is not mine. Despite my repeated efforts to resolve the matter, the collection company continues to report inaccurate information to the credit bureaus, causing severe and ongoing harm to me and my family.The account associated with *********************** does not belong to me. I immediately raised this with *********************** and the collection agency.*********************** has acknowledged the mistake and confirmed that the debt is not mine.However, the collection agency has refused to remove the account from my credit reports, even after Waldens ***************** move forward in good faith and avoid delays, I paid the disputed amount directly to *********************** some time ago, even though I did not owe this debt. I did so only because:I am in the process of purchasing a home, which is critical for the stability and security of my family. A clean and accurate credit report is essential to completing this process. This wrongful entry has directly jeopardized my ability to obtain fair financing, costing me higher interest rates and threatening my familys financial future. My credit score has been severely impacted by an account I do not owe.I have been subjected to emotional stress, humiliation, and reputational ******* familys opportunity for housing stability is being unfairly undermined.Despite resolving the matter with ***********************, the collection company continues to damage my creditworthiness by refusing to remove the entry.Request for Resolution:I respectfully ask that the BBB assist in compelling ******************* Name] to:Remove this collection account from all credit bureau reports immediately.Provide written confirmation of deletion and closure of the matter.Cease any further reporting or collection activity related to this account.

      Business Response

      Date: 08/26/2025

      BBB Complaint ID ******** - ******* Wagner 

      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.    

      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.    

      Attached please find copies of the Ledger and the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same.

      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:08/16/2025

      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 submitting this formal identity theft dispute regarding the fraudulent collection account reported by ********************, LLC for the original creditor Houston County Emergency, account number ending in 39N1, with a reported balance of $1,400 and date assigned May 12, 2025.This debt was not incurred by me, nor did I authorize it. It is a direct result of identity theft following the 2017 ************ breach, which compromised my personal information. I demand that this account be blocked and deleted from all systems and credit reporting within four (4) business days in accordance with 15 U.S.C. 1681c-2(a).This letter also serves as a formal cease and desist from any further communication or collection activity regarding this fraudulent debt. Under the Fair Debt Collection Practices Act (FDCPA), continued collection efforts or reporting to any consumer reporting agency after receipt of this notice constitutes harassment and a violation of federal ****** advised: a consumer report is a form of communication. Therefore, reporting this account to ******* or any bureau after this cease and desist constitutes a continued violation.Should you fail to comply, I will pursue legal action and seek the following damages:- Statutory damages under the **** and FDCPA $1,000 minimum - Actual damages for emotional distress, loss of credit opportunities, and time lost - Legal fees and court costs $2,500+I expect written confirmation of this accounts deletion and cessation of all collection efforts.

      Business Response

      Date: 08/20/2025

      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 5/13/2025 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. 

      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 and has been 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:08/11/2025

      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.
      I am formally disputing the account listed under account number ********* that appears on my credit report. This account was opened without my consent and is the result of fraudulent activity. I have no record of applying for or agreeing to any arrangement with COLLECTION Pursuant to 15 U.S.C. 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of a judgment within 30 days of receiving this notice. I have not been provided with any signed contract or documentation showing that I authorized this account. Without a legitimate, legally binding agreement containing my signature, there is no valid basis for this account to be associated with my ******* this account was created fraudulently, I demand its immediate removal from my credit report and the cessation of all collection activity. If you cannot supply proper validation within 30 days, you must delete this account from my record and end all further collection efforts.Please acknowledge receipt of this correspondence and inform me of the steps you will take to resolve this issue.

      Business Response

      Date: 08/11/2025

      BBB Complaint ID ******** - Joycedaliz Lopez 

      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, 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:08/07/2025

      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.
      The collector has failed to comply with federal requirements for debt reporting and consumer notice.

      Business Response

      Date: 08/19/2025

      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 4/23/2025 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. 

      Attached please find the Itemized Bill for Consumers review.     

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

      Consumer should be advised that this matter has been placed in a properly disputed status along 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:07/28/2025

      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 agency failed to provide the legally required validation after I submitted a formal dispute.

      Business Response

      Date: 08/07/2025

      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. 

      The Itemized Bill is attached for Consumers 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:07/28/2025

      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 Services LLC 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: $935

      Business Response

      Date: 08/01/2025

      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 1/24/2024 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. 

      Attached please find a copy of the Itemized Bill for Consumers 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:07/28/2025

      Type:Product 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 have never been contacted by ability recovery service nor have I have received any paper notice about any details relating to this.

      Business Response

      Date: 08/07/2025

      BBB Complaint ID ******** - Liam ************   

      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. 

      A copy of the Charge Off Statement is attached for Consumer's review.   

      Consumer should be advised that this matter has been placed in a properly disputed status with the Company and 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: 08/11/2025

      [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: 23665825

      I am rejecting this response because:

       

      I was never notified of this account being sold off. Please submit all further communications via email or provide a login for a online portal. 


      Regards,

      **** ******








      Business Response

      Date: 09/09/2025

      BBB Complaint ID ******** Liam *********************** 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. 

      A copy of the charge off statement is attached for Consumer's review.  Also attached please find the letter advising Consumer that this matter had been sold to our client.

      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: 09/19/2025

      This is not closed. I contacted the company via the email they provided and they said they no longer handle the debt. They need to stop reporting it as such. 

      Business Response

      Date: 09/29/2025

      BBB Complaint ID ******** Liam *********************** 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. 

      A copy of the Charge Off Statement is attached for Consumer's review.  As per our client this matter is still due and owing.       

      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

      [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: 23665825

      I am rejecting this response because:

      this was not communicated and I have received no communication via email regarding this account. I am not assuming ownership of the debt but am willing to negotiate a pay for delete. 

      Regards,

      **** ******








      Business Response

      Date: 10/17/2025

      **** 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 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 her rights under federal collection laws. 

      A copy of the Itemized Bill is attached for Consumers review.   As per our client this matter is still due and owing. 

      Consumer should be advised that this matter has been placed in a properly disputed status with the Company and have been 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:07/25/2025

      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.
      The Ability Recovery Services LLC has contacted me regarding to the amount I owed from ***************** regarding to my education services. They give me two options, paid off the full amount of $1,352. or pay the cancelation fee of $465.3. I paid off the cancelation fee on July 10, 2025. The Ability Recovery Services LLC took my credit score of ********************************************************** to pay another fee for the dispute fee of $270 to gain my 11 points back to my credit score otherwise I have to wait for 7 years to gain my 11 points back to my credit score.

      Business Response

      Date: 07/29/2025

      BBB Complaint ID ********* - Ester ******************************************* LLC (ARS) 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 recalled 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:07/17/2025

      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 account contains mismatched dates and payment history, making the report inaccurate.

      Business Response

      Date: 07/17/2025

      BBB Complaint ID ******** - ******* Rojas 

      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.  We have performed another deletion.  

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

    Ability Recovery Services LLC is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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