ComplaintsforAbility Recovery Services LLC

• Initial Complaint

  12/10/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have never had an account with these companies (collection company) Account #****. REMOVE from all credit reporting agencies from reporting.1. Consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code §1692a(3)2. This letter is in pursuing 15 U.S. Code §1692c (c) Ceasing communication I am the consumer mentioned in 15 U.S. code ****a(3) you are (collection company) the debt collector 15 U.S. Code  §1692a(3) you are (collection company) the debt collector 15 U.S. Code 1692a (5) I am invoking specified remedies under use 15 U.S. Code§ 1692c (c) (1) 1. I am the executor under the 15 U.S. Code §1692c (d) pursuing to 15 U.S. Code §1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

  Business response

  12/13/2021

  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 debt buyer) in the collection of their outstanding medical debt.  We have contacted our client and have requested a copy of the Itemized Bill for Consumer's review.  The

  Date of Service for this matter was 08/10/2017.  Once Consumer reviews the Itemized Bill, Consumer may contact us and a representative would be happy to assist Consumer in resolving this matter.  Thank

  you.

• Initial Complaint

  12/09/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  A person named ***************** with the company called me out of the blue/unsolicited at approx 1:45PM 12/9/21. When I answered the call, they stated my new married name and asked me to confirm if that's who they were speaking to. I asked what they were calling about and they said they couldn't tell me unless I confirmed that's who the were speaking to. So I replied confirming they reached the correct person & again, asked why they were calling. However, they then proceeded to ask me to verify my birth date and they had the correct date, but I would not confirm because I have no idea who they are or why they are calling. I simply asked what the call was in regards to and the caller was very combative. They said they couldn't tell me anything unless I verified my birthdate, social security # and other personally identifiable information. Because the caller had the correct date of birth, I am concerned that my personal data could be in jeopardy. In addition, I would like to report the call as harassingly unprofessional and extremely suspicious. I am concerned that something shady is going on and would like to report their business practices & verify my information is secure as well as to prevent others from being victimized.

  Business response

  12/20/2021

  Consumer should be advised that Ability Recovery Services, LLC is a third party collection agency representing our client **************** in the collection of their outstanding debt.  Our policy is to verify who we are

  speaking with before releasing information.  The itemized statement was mailed to Consumer on 12/14/2021.  Once Consumer reviews same, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

• Initial Complaint

  12/02/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My personal information was included in the recent cyberattack on the two telecommunication companies involved in selling information. I did not owe any amount to this company but still, they have continuously reporting erroneous information to my credit report. Please help me so that this account will be deleted already. Secondly, Section 807 of FDCPA (15 USC 1692e) was also violated, in the sense that they were using deceptive and misleading representations for collecting the debt.

  Business response

  01/05/2022

  Consumer should be advised that this matter has bee closed at client's request, and removed from all credit reporting bureaus.  Please allow 15-30 days for all bureaus to update.  Thanks

• Initial Complaint

  12/02/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with **********, *******, and ********. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. ABILITY RECOVERY SERVI bal. $261.00 Acct # *********

  Business response

  01/03/2022

  Consumer should be advised that this matter was closed at our client's request on 9/1/2021 and removed from all credit reporting bureaus.  On 12/6/2021, as per Consumer's CFPB Complaint another deletion with all bureaus was done.  Moving forward forward, Consumer should contact credit bureaus directly with the following Deletion Control Number *********.

• Initial Complaint

  11/03/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have never signed a contract with Ability Recovery Services. This company first reported to the consumer reporting agencies on 7/8/2021 for $172. I have requested through the credit agencies verification of this debt and the only response I receive from them is the debt is verified but I never received anything that shows proof of this debt being mine with Ability Recovery Services . To date the company has not provided proof of this debt that I supposedly owe them with whom I've never signed a contract. ********** and ******** completely removed the account after my request for validation and verification, ******* has not done anything except respond the debt is verified by the creditor. I don't have any supporting documents because I have not received any documentation. Account number from ******** ********** account number from ******* ######**N1. ******************** have ignored the Federal Laws in place to protect consumers. I was not notified of any negative information being reported to the credit bureaus within ****************************************** accordance with my federal consumer rights as stipulated by the Fair Credit Reporting Act, you are obligated to comply with this lawful request for elaborated documentation for the origination of the account, billings, including interest, as well as full accounting of where each bill was mailed, for the life of the account, or rescind this report from every consumer reporting agency to which you have reported. Please record that I dispute having any obligation for this debt. Your company has erroneously reported it to the credit bureaus. Please report that the debt is being disputed.

  Business response

  11/05/2021

  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 collection agency representing our client ********************************* ( a medical debt buyer) in the collection of their outstanding medical debt.  As per our client this matter is still due and owing.  We have requested an Itemized Bill to be sent to Consumer's current address for Consumer's review.  Once Consumer reviews same, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you

  Business response

  11/15/2021

  Consumer should be advised that this matter remains in a properly disputed status, along with credit reporting buraus.  Ability Recovery Services is a third party debt collection agency representing our client ********************************* in the collection of their outstanding medical debt. Attached please find copy of the Itemized Bill.  As per our client, this matter is still. due and owing.

  Customer response

  11/24/2021

  As previously stated and as confirmed with the correspondence sent to me I have never had a relationship with this company. According to the letter The company that brought my supposed debt is ************************** LLC which I also have no contract or relationship with. There is no documentation sent by this creditor that bears my signature that supports their claim that I owe them money.  In accordance with my federal consumer rights as stipulated by the Fair Credit Reporting Act, you are obligated to comply with this lawful request for elaborated documentation for the origination of the account, billings, including interest, as well as full accounting of where each bill was mailed, for the life of the account, or rescind this report from every consumer reporting agency to which you have reported. Please record that I dispute having any obligation for this debt. Your company has erroneously reported it to the credit bureaus. Please report that the debt is being disputed.
  
   Complaint: ********
  
  I am rejecting this response because:
  Regards,
  
  *****************************
  

• Initial Complaint

  11/02/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you remove this alleged debt from my credit report. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation: Complete payment history, the requirement of which has been established via ****** v ******* *** ****** ***; **** ***. App. ***** *** and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) ******* v. *************** ********* ********* **** ** ********(***********., Oct. 29, ****) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain: The source of a debt and the amount a bad debt buyer paid for plaintiff's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. I'm sure you know, under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in *************************, Plaintiff, vs. **** ***********, No. CIV ********************************** DISTRICT COURT FOR THE *******************, ****, the courts ruled that reporting a collection account indeed is considered collection activity.

  Business response

  11/03/2021

  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 collection agency representing our client ************************ in the collection of their outstanding student debt.  As per our client, this matter is still due and owing.  Attached please find a copy of the Enrollment Agreement from our client whereby Consumer agree to all of the terms and conditions (with Consumer's electronic signature).  Once Consumer reviews same, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  If Consumer states that this matter is Identity Theft/Fraud, our client requires a Police Report, which can be forwarded to our office via facsimile at ************.  Thank you

• Initial Complaint

  11/01/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a call on 11/1/2021...went to my spam on my phone. I called the number back and it was ARC. The person started right in on me saying I owed money to ***************** and would not let me speak. I tried to tell him that the contract was never valid and it was cancelled years ago. He proceeded to tell me that I was incorrect then got frustrated with me because I wasnt letting him speak and he said I will note the file and hung up on me. That was 1030 this morning. I just received another call from them and when I picked it up it rang thru to a call center and someone answered and I said yes I just received a call from this number and they hung up on me. The Company is Ability Recovery Services and it came up as Scranton PA . I also began my initial conversation by saying I have not gotten mail about this issue and this person was insisting that I have indeed received mail. There were never letters sent to me via regular mail nor certified mail. I wanted to get to the bottom of this and dispute but he hung up on me. What an awful company to be in business!

  Business response

  11/04/2021

  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 student debts.  Our client advised that this matter is still due and owing.  Attached please find a copy of the Enrollment Agreement whereby Consumer agreed to the terms and conditions.  As per our client, the cancellation fee is $899.00, which can be made in payments. Once Consumer reviews the Enrollment Agreement, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  Thank you 

• Initial Complaint

  10/26/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  ************************* had put me in collections with Ability Recovery after their representatives didn't do their job and put my payment arrangement in. When speaking with a guy he had told me that he spoken with me before and I'm not rational because I had the question on wether I could pay it off while continuing my courses. I told him I can not pay it off in full right now. This collection is not my fault…. So I will take it to court if I have to. He again told me I'm not rational he’ll leave a not on my file that I won't be paying I will be going to court. I never said I wouldn't pay. The service is terrible and they are no help. ***************** told me to call them and get the account sent back to them.

  Business response

  10/28/2021

  Consumer should be advised that this matter was closed by our client ***************** on 10/27/2021 and has been removed from all credit reporting bureaus.  Please allow 15 days for all bureaus to update.  Thank you

  Customer response

  10/29/2021

  [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

  10/22/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I contacted ************************ my self and they stated they will remove the debit because it is not my debit . Please verify or show a signature that this account belongs to me ! I have sent letters to have them verify this debt. No response .

  Business response

  10/26/2021

  Consumer should be aware that this matter had 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 student debt.  We have contacted our client and have requested the Enrollment Agreement for Consumer's review which will be mailed directly to Consumer.  Once Consumer reviews same, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter.  If Consumer is stating this matter is Identity Theft/Fraud, our client requires a Police Report which can be sent to our office via facsimile to ************.  Thank you

  Business response

  11/08/2021

  Consumer should be advised that this matter has been and shall remain in a properly disputed status, along with credit reporting bureaus.  Attached please fine a copy of the Enrollment Agreement from our client ************************ whereby Consumer agreed to all terms and condition.  Thank you

  Customer response

  11/09/2021

  [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:I received the letter , but that is NOT a handwritten signature. That is a typed name. I will take this up with the court .
  
  Regards,
  
  ************ *************
  

• Initial Complaint

  10/21/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a letter from Ability Recovery to settle a debt i had with ***************** University in September 2020, I had 30 days from the date of the letter 9/4/20 to pay 75% and my account would be closed and considered paid and to be removed from my credit report. I paid the settlement amount on 9/19/20, then I confirmed with an agent at the collections agency that i have a zero balance on 10/8/20, and they supposedly sent a deletion request to the credit bureaus back in October of 2020. In March Equifax showed a balance of $58 for Ability Recovery service, I sent another email to the company in May of 2021, asking why it was still on my credit report since I paid the settlement. The agent said that she again showed my balance as 0 and that she would send in a another request to remove it. It still shows on Equifax report so I disputed the account and sent them the deletion letter they agency sent me, and Equifax said they did a investigation and contacted the collection agency which told them I still owed the balance. I have paid my debt in good faith in a settlement with the collection agency and would like this removed from my credit report and the don't keep being pursued for the balance of $58 dollars since it was a settlement for $176.40.

  Business response

  10/22/2021

  Consumer should be advised that Ability Recovery Services represents our client ***************** in the Collection of their outstanding student debt.  Unfortunately our client ***************** reported the $58.00 (the difference in your original settlement).  We do apologize on their behalf and have closed this matter and have reported an immediate deletion to all three bureaus (A copy of which is attached for your review). Please allow 72 hours for all bureaus to update.  Should you have any further questions, please do not hesitate to contact our office.  Thank you

  Customer response

  10/22/2021

  
  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. Thank you for a quick resolution.
  
  Regards,
  
  *******************************
  
  

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