|
7137538
|
2023-06-19
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Other
|
|
|
6624122
|
2023-02-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Medical debt
|
| Date Received |
2023-02-27
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
6406469
|
2023-01-06
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2023-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I applied for XXXX University because I was working in a school and I need l CertificationXXXX. The admissions person ( XXXX XXXX XXXX XXXX ) reassured me that their program was accredited in XXXX XXXX XXXX I had just moved to XXXX XXXX from XXXX XXXX so I trusted she knew what she was talking about. After completing and paying for one class with my finical Aid I discovered that XXXX University Education program was not an accredited school in XXXX XXXX. I was advised to withdrew ASAP and I was told my funds would be returned to Finical Aid and I was told I should have a bill, but then I get hit with a collection on my credit. Please see below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Financial I withdrew from the university XX/XX/2018. please return loans to Department nof Education ASAP. Thank you On XXXXXXXX XX/XX/2018 at XXXXXXXX XXXX Financial Aid XXXX wrote : Hello XXXX, Thank you for contacting the XXXX University Office of Financial Aid. I am just following up on our phone call. Please send me back a quick message requesting cancellation of your XXXX awards and an update to the XXXX. As soon as I receive your email I will send the case over for review. If you have any further questions, please feel free to contact us at XXXX or XXXX ( XXXX ) and follow the prompts for financial aid. Have a great day! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-free : XXXX Fax : XXXX XXXX ** Please remember to monitor your email regularly for updates to your financial aid account. ** ref : XXXX : ref -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( cell ) XXXX ( home ) Support Bot XXXX XX/XX/2018, XXXX XXXX Hello XXXX, Sorry, but could you please send a new email requesting that they cancel the remaining award and update the XXXX? The wording is important here. - XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Support Effective XX/XX/2018 please cancel XXXX awards and an update to the XXXX. -- XXXX ( cell ) XXXX ( home )
|
| Consumer Consent Provided |
Consent provided
|
|
|
5901621
|
2022-08-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2022-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I would like to file a complaint of conduct for the debt collection agency, Ability Recovery Services, for their inability to follow legal requirements of providing a Debt Validation Note and/or effective communication through phone call or in person about the debt under the current FDCPA policies.
According to current FDCPA regulations, debt collection agencies are required to provide possible consumers in it's first line of communication with the following information : 1. The amount of debt.
2. The name of the current Creditor to whom the debt is currently owed to.
3. A statement unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.
4. A statement that if the customer notifies the debt collector in writing within 30-day period that the debt, or any thereof is disputed, the debt collector will obtain verification of the debt or a copy of such judgment against the consumer and a copy of such verification or judgement be mailed to the consumer of the debt collector, and 5. A statement, upon the consumers written request within 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from current collector.
If the initial communication doesn't have this information the debt collector has 5 days to provide this information.
Under current provisions, this debt collector, Ability Recovery Services has failed to even provide any initial communication. I have no record of any phone calls, voicemails, in person notification, physical or digital mail for this agency about the debt that showcased on my Credit Report from the XXXX credit report agency.
My first acknowledgement of this debt was through my credit report and my XXXX XXXX account under Derogatory marks.
The total amount reported on my Credit Report for XXXX is {$1400.00}. The debt was reported on XX/XX/2022.
According to current policies, they would need to have spoken to me in first initial contact, and then send a Debt Notice, and allow 14 business days after the notice is sent before reporting to any credit agency. I have no record of this.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5971287
|
2022-09-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Credit card debt
|
| Date Received |
2022-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am writing to dispute the Ability Recovery Service XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this keeps on reporting inaccurately in my credit report because I dont recognize that account base on the report of Ability Recovery Service . Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : XXXX ) Date when the account was opened is inaccurate, reporting and violating the FCRA laws because I havent opened any account this year in the institutions mentioned above in my XXXX credit report, please provide in writing the agreement of this account. This type of manipulation puts me in financial harm as it shows that account in collections in my credit report. Attached to this file there is a copy of my XXXX Credit Report. XXXX ) The account doesnt show payment history or monthly transactions reporter. This manipulated my credit score intentionally as the report attached do not shows updates and changes in the account. XXXX ) No credit Limit at all, no higher balance and neither payments to the account. I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!
|
| Consumer Consent Provided |
Consent provided
|
|
|
5936231
|
2022-08-31
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2022-08-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Ability Recovery Services opened a collections accounts on XX/XX/2022 of which I was never notified in writing, and I have yet to receive a debt validation and verification letter. I have no knowledge of this account and it has had a severe adverse effect on my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4713715
|
2021-09-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Private student loan debt
|
| Date Received |
2021-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX, I submitted a complaint with CFPB in regards to an old XXXX XXXX collection account that was discharged in bankruptcy. Ability Recovery Service responded on XX/XX/XXXX with " Consumer should be advised that this matter was closed due to bankruptcy and removed from all credit reporting bureaus in XXXX. We will conduct another deletion with XXXX. Do not dispute as it delays the deletion ''.
On XX/XX/XXXX, this collection account is still showing on XXXX and you have failed to remove.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6505784
|
2023-01-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2023-01-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This debt is not mine
|
| Consumer Consent Provided |
Consent provided
|
|
|
4686192
|
2021-09-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Private student loan debt
|
| Date Received |
2021-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I was notified several years ago of a debt that I allegedly owed to a school.
The name of the school is/was XXXX XXXX.Upon information and belief It was/is an online school.
The amount of the loan was XXXX. After looking at it I noticed that the date of birth didnt match mine nor was any phone number ever used by myself. The company continues to attempt to collect despite the FTC Identity theft report and my many calls and correspondences. Ive called and was hung up on on numerous occasions.
The name of the company is Ability Recovery Services XXXX XXXX XXXX XXXX, XXXX , PA This account was opened and/or loan was taken out while I had a freeze on my credit report and statement that says dont extend any credit to anyone without calling me first.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4710443
|
2021-09-10
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2021-09-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received an invoice from Ability Recovery Service for a debt from XXXX XXXX on XX/XX/2021. I disputed this debt on XX/XX/2021 as I have already settled with XXXX XXXX as of XX/XX/2021. On XX/XX/XXXX, I received my first phone call from Ability despite not yet receiving written verification of the debt. On XX/XX/XXXX, I was notified that my this debt was added to my credit reports. On XX/XX/XXXX, I received another phone call from Ability. As of XX/XX/2021 I have yet to receive written verification of the debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3066117
|
2018-11-05
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-11-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX isnt following the law.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3860044
|
2020-09-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Private student loan debt
|
| Date Received |
2020-09-22
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4164298
|
2021-02-25
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-02-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I spoke with collection agency on XX/XX/XXXX regarding an account thats no longer in collection, due to bankruptcy discharge. I was told the account would be removed from XXXX, however it wasnt removed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3041956
|
2018-10-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Private student loan debt
|
| Date Received |
2018-10-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. This collection account showed up on my credit report XX/XX/2018. I disputed and the company said the collection account will be deleted from all three Bureaus but as of today XX/XX/2018 this company is still reporting on my credit. My credit is being messed with by this company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3851114
|
2020-09-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2020-09-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have filed a FTC report and the company Ability Recovery Services responded asking for a police report. Why is that necessary when I have proved that the Date of Birth on the enrollment form does not match my Date of Birth and the signature was forged! How is this even legal to continue attempting to collect a debt that is not mine and has been proven not to be mine..
|
| Consumer Consent Provided |
Consent provided
|
|
|
3825755
|
2020-09-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2020-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-09-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This company originally tried to collect on this debt in 2017, I had it removed from my credit report because its not mine and the company had no information that concluded that it was mine. Now its back on my credit report again. Ive contacted the company by sending letters and nothing has changed
|
| Consumer Consent Provided |
Consent provided
|
|
|
2998879
|
2018-08-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2018-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$1600.00} or my account was charged off ]. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : Better Business Bureau
|
| Consumer Consent Provided |
Consent provided
|
|
|
814162
|
2014-04-17
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2014-04-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-04-23
|
| Consumer Consent Provided |
N/A
|
|
|
950112
|
2014-07-23
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-07-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-07-23
|
| Consumer Consent Provided |
N/A
|
|
|
708940
|
2014-02-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-02-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-02-11
|
| Consumer Consent Provided |
N/A
|
|
|
1724830
|
2016-01-03
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2020287
|
2016-07-19
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Medical
|
| Date Received |
2016-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3008865
|
2018-09-03
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2018-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add up.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2582980
|
2017-07-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Medical debt
|
| Date Received |
2017-07-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-24
|
| Complaint What Happened |
I recently viewed my credit report and I see that I have a collection of {$630.00} of a hospital bill that I was n't aware of at all. I did have a car accident three years ago and went to the hospital but I was told the insurance company was gon na pay for it since I was the passenger of the person driving the vehicle. And now it 's appreared on credit report 2 months ago and it 's messing up my credit and I called the company twice and they were very very rude and did n't give me enough information and hung up the phone. I need this off my credit report please.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3197638
|
2019-04-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Private student loan debt
|
| Date Received |
2019-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-04-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2905200
|
2018-05-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2018-05-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-05-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
the debt collection company has written me several times and I have told them that I didn't owe the debt. that I had cancelled the online course within 3 weeks. I had provided proof to them and I was told that I still owed the full amount of XXXX I have asked them to stop contacting me and that I only wanted to deal with the original creditor. I have reported this to the credit bureaus as well. meanwhile this company continues to update my credit file every month. I even requested that they show me proof that I owe this debt and as of today they haven't, meanwhile the company don't even have me in there system of oweing them anything
|
| Consumer Consent Provided |
Consent provided
|
|
|
2788554
|
2018-01-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2018-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-21
|
| Complaint What Happened |
ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me
|
| Consumer Consent Provided |
Consent provided
|
|
|
6992972
|
2023-05-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Medical debt
|
| Date Received |
2023-05-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1134689
|
2014-11-28
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-01
|
| Consumer Consent Provided |
N/A
|
|
|
6870351
|
2023-04-21
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Billing dispute for services
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-04-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
on XXXXXXXX XXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXX XXXX and had to move and file a police report lost everything including my XXXX XXXX and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense
|
| Consumer Consent Provided |
Consent provided
|
|
|
2987149
|
2018-08-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Ability Recovery Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2018-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-10
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have written several certified letters To ( Ability Recovery ) requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. which they claim ( I owe them {$1600.00} ) Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
|
| Consumer Consent Provided |
Consent provided
|
|
