ComplaintsforAbility Recovery Services LLC

Collections Agencies

View Business profile

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Initial Complaint
08/04/2023
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
i am not liable for this debt with ******* ********* ********** i do not have a contract with ability recovery services they did not provide me with the original contract as requested
Customer response
08/04/2023
Have called them several times
Customer response
08/08/2023
Have called them several times
Business response
08/10/2023
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collect ion agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer's review. Our client is offering a 70% discount with deletion for this mater. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Customer response
08/10/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

********************
Initial Complaint
08/03/2023
Complaint Type:
Billing Issues
Status:
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.
I contacted Ability Recovery Servi on 7/15/2022 and 5/12/2023 in writing and by phone, they could not confirm or provide me with any proof of validity of account or services. I also reached out the credit bureau several times and they failed to remove this erroneous account. I never applied for an account with this company they could not produce an application date or any signatures of mine.
Business response
08/08/2023
Consumer should be advised that we are unable to locate your matter. We cannot match name, address or telephone number. We will require additional information. Different name, Date of Birth. Thank you
Initial Complaint
08/02/2023
Complaint Type:
Billing Issues
Status:
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.
I have absolutely NO knowledge of this collection account or what it is for! Elaborate! I've seen multiple reviews that your a scam artist collection company and I do not need another bogus, negative mark on my credit report!
Business response
08/10/2023
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer's review. Our client is offering a 65% discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
07/28/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am disputing the accuracy of information that has been reported to my credit report. I am requesting original documentation of the account along with verifiable proof that I have been informed of the accounts being opened, late, and sent to collections. According to the provisions of the Fair Credit Reporting Act 611(a) [15 USC 1681i(a)], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 (a)(6) [15 USC 1681j (a) (6)]. I am also requesting an updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [15 USC 1681j], there should be no charge for this report. Thank you
Business response
08/01/2023
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. Thank you
Customer response
08/01/2023
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

*********************************
Initial Complaint
07/28/2023
Complaint Type:
Billing Issues
Status:
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.
July 28, 2023 ******* ***** *** ********** ** Lynchburg VA ***** SSN: *********** DOA:********** Ability Recovery Services LLC 284 Main St Dupont PA 18641 According to the Fair Credit Reporting Act, Section 609(a)(1)(A), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable account. I demand the following accounts be verified or removed immediately: ***** Thanks,*************************
Business response
07/31/2023
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client *********** in the collection of their outstanding student debt. Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same. Our client is offering the following: To cancel $589.80 or a 30% discount to continue $1,146.81. 5.7% has been completed. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
07/28/2023
Complaint Type:
Billing Issues
Status:
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.
In addition to a formal inquiry into the business practices of this company submitted to ********************* office at the Pennsylvania Secretary of State; it is my hope that the BBB can facilitate the removal of a re-aged account on my credit report. This account, WITH NO DETAILS as to account type, limit, amount due, etc has a CLAIMED amount of $1,472.00 and originated from a company only referred to as *** ***** ********* *** *. This account has a FALSE age of the account as 0 years, 1 month. I have sent request upon requests to both Red stick and previous agencies for VALIDATION or origin of this debt/bill via registered USPS mail; and they have refused by lack of action (and way over a 60 day requested term as mandated by law). In violation of the FCRA Section 623(5)(A) Re-aging is a serious violation of the Fair Credit Reporting Act, Ability is CLEARLY re-aging this account from red stick and it can be CLEARLY proven should the need for jurisprudence arise by simply printing old credit reports from the past in which the red stick debt claim will show up. Ability should be made aware that Neither creditors nor debt collectors can re-age an account. From the moment an account ages, it cannot be taken back in time. Regardless of how many times an account is sold from one collector to another, the date of first delinquency (DOFD) cannot change. If Ability does not remove this account from the profile of *********************, SSN ending in **** (amount *******) I reserve the right to seek the remedies afforded to me by both Federal laws and Statutes and Pennsylvania Laws (specific:61 Pa. Code § 60.11).
Business response
08/07/2023
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client *********************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer's review. Our client is offering a 60% discount with deletion for this matter. Our client utilizes numerous debt collection agencies. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Customer response
08/11/2023
[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: ********

I am rejecting this response because:

1.) I had full/ complete insurance coverage at the time of the claimed invoice in 2017/2018. I have sent this information to another collector as soon as the notation showed on my credit report by certified mail. I will send this information to this company as well. Should they do no more due diligence than they have done already, I reserve the right to use their responses as tangible denotation of circumvention of law and cause for juris prudence

2.) Calling this debt current is a violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act and directly falls under bills that are subject to the No Surprises Act, which protects consumers from certain unknown or unexpected medical bills. This account is showing on my report as 2023/ 2022 m; and yet their own invoice has a first late of 2018/2019. I have never been contacted by this agency or any other about a bill. It just showed up on my credit report.
I will give this company 30 days after receiving my certified notification from the USPS that they have received my insurance information concerning said bill, before I seek further remedy.

Regards,

*********************
Business response
08/16/2023
Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client in the collection of their outstanding medical debt. Attached is a copy of the Ledger for consumer's review. Please note that the Date of Service was October 2, 2018. Our client advises that this matter is still due and owing. Our client is offering a 60% discount with deletion. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
07/27/2023
Complaint Type:
Order Issues
Status:
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.
I'm 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 I requested.
Customer response
07/31/2023
I just have this dispute that I filed with Experian regarding their non compliance to provide me with the original contract as requested.
Business response
08/07/2023
Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer's review. Our client is offering a 60% discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
07/27/2023
Complaint Type:
Billing Issues
Status:
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.
I have never heard from this company, been contacted by this company, entered into any agreement with this company, and have no idea what this debt is allegedly for only that it isn't mine but has showed up on my credit report. I want this removed and resolved immediately.
Business response
08/01/2023
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached herewith please find a copy of the Itemized Bill for Consumer's review. Our client is offering a 65% discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
07/26/2023
Complaint Type:
Billing Issues
Status:
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.
This collections agency called Ability Recovery Service has had a collections account on me since 2017. I called the hospital where the bill originated and they say I have a zero balance. (I spoke with ****** ****** ********, source of collections from ** ******, and this was confirmed) I had active insurance at the time, and this hospital is non profit so charity is also offered but was not to me) I have not received a bill or itemized statement, though they say it was sent. The surprise billing act should protect me since the debt is 6 years old. This company ignores the law and is violating my rights.
Business response
07/31/2023
Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. The Date of Service for this matter was April 17, 2017. Attached please find a copy of the Itemized Bill for Consumer's review. Our client is offering a 65% discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Customer response
08/01/2023
[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: ********

I am rejecting this response because:
This is still not an itemized invoice. I never gave permission for my medical information to be released to the creditor that purchased the debt. BBB has SEVERAL complaints against ******** **************** being a predatory collections agency. I have been told conflicting information that took 6 years to get to me. That is surprise billing.
Regards,

***************************
Business response
08/07/2023
Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ******** **************** (a medical debt buyer) in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill which contains medical codes which can be googled for the actual services which were rendered. Our client is still offering the 65% discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you
Initial Complaint
07/26/2023
Complaint Type:
Customer Service Issues
Status:
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.
I am not liable for this debt with ************************, I do not have a contract with Ability Recovery Services, they did not provide me with the original contract as I requested.
Customer response
08/07/2023
This is the original cancellation notice given to the company before they transferred my debt. Their website as well as their assistance line clearly states you may cancel the program and forfeit your non refundable fee.
Business response
08/09/2023
Consumer should be advised that this matter has been placed in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client ************************ in the collection of their outstanding student debt. Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to all of the terms and conditions of same. There was 13% completed. Our client is offering a cancel fee of $573.50 with deletion. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you

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. ↩

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

Cookies on BBB.org

ComplaintsforAbility Recovery Services LLC

Need to file a complaint?

Complaint Details

Showing all complaints

Customer response

Customer response

Business response

Customer response

Business response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

Customer response

Business response

Business response

Business response

Customer response

Business response

Customer response

Business response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary