Ability Recovery Services, LLC

I disputed to XXXX a medical debt about the validation. It hit my credit report without any notice. Either have a received any letter, phone calls, or emails from XXXX or Ability Recovery about the debt. XXXX reported that it was valid and never notified me with any information beforehand. I also challenge that this was removed from my credit report and reinserted in XX/XX/XXXX and the debt reports XXXX.

Ability Recovery Services LLC Account # XXXX Medical Debt Collection on credit profile {$1200.00} Ability Recovery Services LLC claims their investigation verified the debt belongs to me. Faxed a copy of police department on XX/XX/year> at XXXX XXXX. On XX/XX/year>, I contacted XXXX XXXX from Ability Recovery Services LLC at XXXX ext. XXXX, he assure me that the necessary steps would be taken to assist me.

I previously requested validation of this alleged debt, but the company failed to provide any supporting documentation. In their response to my complaint, they admitted that they are still requesting an itemized bill, which confirms that they do not currently have the necessary records to verify the debt. Despite this, the company has attempted to collect an amount that has not been verified and may be inaccurate. This is misleading and constitutes a false representation of the debt. Reporting or attempting to collect a debt without proper documentation is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, this reflects an incomplete and unreasonable investigation under the Fair Credit Reporting Act ( FCRA ), as no account should be reported or pursued without proper verification. Placing the account in a disputed status does not resolve the issue.…

Read full complaint at CFPB →

I am filing a complaint against Ability Recovery Services LLC regarding an alleged medical debt account ( Account # XXXX ). I previously disputed this debt and requested proper validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ). In response, the company provided only an internal account summary and billing history. This does not meet the legal requirements for validation. They failed to provide : * A signed agreement or contract showing I am responsible for the debt * A complete itemized bill from the original creditor * Documentation proving their legal authority to collect this debt, including chain of assignment * Evidence that the debt is still valid and has not been written off or XXXXischarged Notably, their own documentation references a write-off, which raises further concerns about the legitimacy and collectability of this account.…

Read full complaint at CFPB →

Medical debt from XXXX XXXX in XXXX, TN in XXXX. Under TN Law XXXX XXXX and XXXX XXXX, medical debt is banned on credit reports as of XX/XX/XXXX. This reporting is illegal. Remove this account now per TN law and FCRA. I initially called Ability Recovery Services and the XXXX XXXX for a debt information/validation letter and was told over the phone when ask in about the debt and it was told to me that I owed {$1200.00} dated all the way back from XXXX. The debt has since been adjusted. When I tried to update the dispute through XXXX where the debt was not only increased by an extra XXXX dollars from the original debt owed, I believe it to be updated. And the original dispute comment I made, I deleted it and added the new statement above reflecting TN law. I believe that XXXX aims to keep me stuck in a dispute loop to prevent me from legally exercising my rights with the Credit Bureau.…

Read full complaint at CFPB →

I am submitting this complaint and my request for immediate deletion of my personal information. The company has not verified any information associated with me, yet my personal data appears to have been collected, retained, or used without proper validation or authorization. I have not been provided with any confirmation that my identity or information was appropriately verified before being processed. I have requested that my personal data be deleted, but the company has failed to confirm that this has been completed. This raises serious concerns about improper data handling practices and the companys compliance with consumer protection and privacy obligations. I am requesting that all personal information associated with me from all systems is deleted, including stored and archived data ; Cease any collection, use, or sharing of my information ; Provide written confirmation that my data has been fully deleted. I expect prompt resolution of this matter.

Company complained about : XXXX Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Ability Recovery Services LLC, XX/XX/year>. Under the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately.…

Read full complaint at CFPB →

I am filing this complaint against Ability Recovery Services LLC for failure to provide adequate debt validation in response to a timely written request, and for continued reporting of an inaccurate and unverifiable medical debt to consumer reporting agencies. Background : Ability Recovery Services is attempting to collect {$890.00} on behalf of XXXX XXXX XXXX XXXX, which claims to have purchased this account from North Carolina XXXX XXXX XXXX. The alleged service date is XX/XX/XXXX. What I did : On XX/XX/XXXX, I sent Ability Recovery Services a written debt validation request via certified mail pursuant to 15 U.S.C. 1692g. I requested XXXX specific items : the name and address of the original creditor, a signed agreement establishing my legal responsibility, an itemized statement of charges, proof of assignment or purchase authority, and verification that the debt had not been XXXX or settled. What they sent back : On XX/XX/XXXX, Ability Recovery Services responded.…

Read full complaint at CFPB →

Received a call from the phone number XXXX. Phone only rang twice and hung up. I had called the number back to see which company was calling. The lady who answered was very witty. Asked the lady on the line if they may provide written proof that they have the legal right to collect the debt. The lady proceeds to cut me off and stated they had already sent that out back in XXXX however before I was able to relay that my address has been changed since XXXX the lady on the phone told me to have a good day and disconnected the call.

THIS DEBT IS CONSIDERED A CHARGE OFF. HOWEVER, THIS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED AN XXXX IN ORDER TO COUNT THIS AS INCOME. THIS IS NOT A CHARGE OFF. IM REQUESTIONG THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT. ABILITY RECOVERY SERVICE * XXXX, ABILITY RECOVERY SERVICE- XXXX,

I have tried to have the amount for the XXXX XXXX debt removed from my credit report with XXXX and they have denied me twice. I have already received federal documents that my debt with XXXX XXXX has been ruled illegal and should be taken from my credit report. I was XXXX of the original applicants that filed on the class action lawsuit between ( XXXX et al. v. XXXX XXXX, XXXX et al. ). In which I filed original documents back in XXXX complaining that when I attended XXXX XXXX the university misrepresented the time and cost required to complete the XXXX XXXX XXXX XXXX program and they also enrolled me into XXXX classes that I didn't request during the height of the pandemic of XX/XX/XXXX. Now there is a collection agency by the name of " ABILITY RECOVERY SERVICES LLC '' in the amount of {$1300.00} that has been on my credit report for years. Regardless of my recent appeal and proof of paperwork that names the original debtor " XXXX XXXX '', that they purchased the debt from.…

Read full complaint at CFPB →

A collection account is being reported on my credit file by Ability Recovery Service that I do not recognize and did not open. The original creditor listed is XXXX XXXX XXXX XXXX, however I have no knowledge of this account, no contract with the company, and did not authorize this debt. I previously disputed this account with the credit reporting agencies, but it was not permanently resolved and has reappeared under a different collection agency. I have now filed an FTC Identity Theft Report regarding this matter. Despite my dispute history and identity theft report, the account continues to be reported as a valid collection. I am requesting that the company provide full validation of this debt, including documentation showing proof of responsibility and a complete chain of ownership of the account. If the debt can not be fully verified as mine, I am requesting that it be permanently removed from my credit reports in accordance with the Fair Credit Reporting Act.

I am filing a complaint regarding a medical collection account being reported by Ability Recovery Services , LLC. On or about XX/XX/year>, I sent a certified debt validation request to Ability Recovery Services disputing the account and requesting full validation. I specifically requested an itemized statement of medical services, proof of insurance billing and/or an Explanation of Benefits ( EOB ), documentation showing that I am legally obligated to pay the debt, and proof of the companys authority to collect. On XX/XX/year>, the company responded but provided only a summary statement listing the alleged creditor, date of service, and balance. They did not provide the detailed documentation requested, including an itemized bill, insurance information, proof of legal obligation, or sufficient documentation of their authority to collect.…

Read full complaint at CFPB →

XXXX XXXX is attempting to collect and report a medical debt that I do not recognize as mine. This account is appearing on my XXXX and XXXX credit reports, but I have not received any signed agreement, itemized medical billing statement, proof of services rendered, insurance adjustment records, or documentation linking me to this alleged balance. I dispute responsibility for this account and request a full investigation. Reporting or collecting without proper validation is harmful and unfair.

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

Read full complaint at CFPB →

This company keeps trying to collect a debt that I do not owe to them. I have never signed any contract or agreement with them and they are hurting my credit score after repeatedly being asked not to. They are trying to collect a debt that is not owed to them. They can not show me any contract that I have with them.

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

Read full complaint at CFPB →

My XXXX XXXX account was originally being collected by Ability Recovery Services. I had been making monthly payments to them. Later, XXXX XXXX notified me in writing that my account had been transferred to XXXX XXXX and that XXXX XXXX was no longer servicing the account through Ability Recovery. ( received the email on XX/XX/year> XXXX XXXX ) After the transfer, I paid the remaining balance in full directly to XXXX XXXX and received payment confirmation showing the account was paid successfully. ( total balance was {$800.00}, paid {$320.00} on XX/XX/year>, and the remaining balance of {$520.00} on XX/XX/year> ) Despite this, Ability Recovery Services continued attempting to collect on the same debt and tried to charge my bank account again. They also refused to remove my payment method from their system.…

Read full complaint at CFPB →

I am disputing a medical collection account reported by Ability Recovery Services XXXX XXXX XXXXXXXX XXXX ( Debtor ID : XXXX, Client Ref. No. : XXXX, Account # : XXXX / XXXX ). Ability Recovery Services is treating two separate radiology services as a single combined debt totaling {$780.00} : {$110.00} on XX/XX/XXXX ( XXXX examination ) {$670.00} on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) This account stems from imaging services I received in XXXX while enrolled in the sliding fee scale program at XXXX XXXX XXXX XXXX in XXXX, XXXX. Under this program, the clinic was responsible for all referred services, including external XXXX they handled the referrals and payments. I am not personally responsible for this bill. I never received any initial bill or statement from XXXX XXXX XXXX. / XXXX XXXX or from Ability Recovery Services before the account was placed in collections.…

Read full complaint at CFPB →

I am disputing a medical debt of {$1400.00} being collected by Ability Recovery Services on behalf of XXXX XXXX XXXX XXXX This debt is invalid. On XX/XX/XXXX, my daughter received XXXX XXXX at XXXX XXXX XXXX XXXX. Following this visit, my insurance provider, XXXX XXXX XXXX XXXX, processed the claim and issued payment. The Explanation of Benefits ( EOB ) confirms that the visit was covered and processed. I never received any bill or invoice directly from XXXX XXXX for any additional charges related to this visit. In XX/XX/XXXX, I was first contacted by Ability Recovery Services regarding an alleged balance of {$1400.00}. This was the first time I became aware of any additional charges. I immediately disputed the debt and provided documentation showing that the visit had already been processed through insurance and that no balance was owed. Prior to Ability Recovery Services involvement, this same alleged debt was assigned to a different collection agency.…

Read full complaint at CFPB →

I was contacted by Ability Recovery Services regarding an alleged debt of approximately {$1700.00}. On XX/XX/XXXX, I sent a formal written dispute and request for validation of this debt via international registered mail. This correspondence was delivered on XX/XX/XXXX, as confirmed by USPS tracking. In my letter, I requested full documentation supporting the claim, including the identity of the original creditor, an itemized statement of services, proof of authorization to render the services, and proof of assignment and legal authority to collect the debt. To date, Ability Recovery Services has not provided the requested documentation or sufficient validation of the debt. Despite this, the company has continued collection efforts and has reported this account as a collection/charge-off to a credit reporting agency on or about XX/XX/XXXX.…

Read full complaint at CFPB →

XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Ability Recovery Services, Pursuant To FDCPA 15 U.S. CXXXXe XXXX, I XXXX XXXX XXXX, never gave you written permission to buy my debt from XXXX XXXX XXXX XXXX, i request you immediatly remove the negative items on my XXXX credit bureau. This means stop attacking my credit at XXXX an XXXX, the hospital charged off my bills and reciecved credit for them from the irs therfore i have requested a XXXXXXXX XXXX from the irs to prove they are trying to get paid XXXX. all your actions are being recorded for future use.

I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by Ability Recovery Services , LLC concerning an alleged debt of {$2300.00}. I enrolled with XXXX XXXX College on XX/XX/year>, and provided notice of my cancellation on XX/XX/year>, with an email response dated XX/XX/year>, in accordance with the terms of the enrollment agreement. I did not complete any classes during this period. Under the contracts refund and cancellation provisions, any balance owed should be limited to the amount permitted by those provisions. The amount being collected by Ability Recovery Services appears to represent the entire cost of the educational program, which directly contradicts the refund terms outlined in the enrollment agreement. Because I provided timely notice of cancellation and did not complete any coursework, the contract does not permit the assessment of the full program cost.…

Read full complaint at CFPB →

I am filing this complaint regarding a collection account reported by Ability Recovery Services related to a former account with XXXX XXXX, which was later acquired by XXXX XXXX XXXX. I was a customer for approximately five years and consistently paid my account on time. At the end of my service, I returned the modem as required. Around that same time, XXXX XXXX was acquired by XXXX XXXX XXXX. During this transition, it appears that the returned equipment was either not received or not properly recorded. I never received any notice that the equipment had not been received or that a balance was being claimed prior to the account being sent to collections. Once I became aware of the issue, I immediately paid the balance through the original provider and was told the matter would be addressed with the collection agency. Despite this, the collection tradeline continues to be reported.…

Read full complaint at CFPB →

On XXXX XX/XX/XXXX, I noticed a Collection Account pop up on all three Credit Reports. It was dated XXXX XX/XX/XXXX for popping up on reports. I obtained a telephone number and called the organization called Ability Recovery Service, LLC that was listed on my reports, THIS is all they told me on the call dated XXXX XX/XX/XXXX : that the alleged debt was " from XXXX or XXXX '' and they flat out refused to send me actual documents showing that it would be my debt and then they hung on the call. I have no idea what this alleged debt is and can only assume that it is Identity Theft in conjunction with other Identity Theft issues from another hack in XXXX, XXXX. I have filed a Dispute with all 3 Credit Bureau 's and they are doing nothing about removing it.

The company ability Recovery Services has been repeatedly reporting the same debt multiple times to all XXXX credit bureaus XXXX XXXX XXXX XXXX All XXXX credit bureaus are not removing the duplicates and are allowing the company to report XXXX bill multiple times. Each one has the same bill repeated XXXX times and I can not get a hold of a human to get this properly corrected

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

I sent a written request for debt validation regarding an alleged medical debt. The company responded with billing summaries but failed to provide a signed contract, proof of legal ownership, or documentation showing I am legally responsible for the debt. The information provided does not meet validation requirements under the FDCPA. This debt remains unverified. I am requesting that this account not be collected or reported without proper validation.

Formal Complaint Inaccurate & Unverified Collection Reporting To Whom It May Concern, I am submitting a complaint regarding a collection account reported by Ability Recovery Services with a balance of {$730.00} to XXXX. The information reported is inaccurate and inconsistent with federal law, including 15 U.S.C. 1681e ( b ), which mandates furnishers ensure maximum possible accuracy. I am requesting : Full validation of the alleged debt, including : Original creditor name and account number Itemization of balance ( principal, interest, fees ) Documentation proving my legal obligation to pay Chain of title / assignment records confirming Ability Recovery Services has the legal right to collect and report this debt Proof of accuracy of the reported balance, including an explanation for discrepancies with other collections reporting on my credit reports Documentation of compliance with FCRA and FDCPA requirements, including notices sent to me If Ability Recovery Services can not provide…

Read full complaint at CFPB →