Updated on January 29th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against Ability Recovery Services, LLC

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The following is a summary of complaints submitted by consumers to the Consumer Financial Protection Bureau (CFPB) regarding Ability Recovery Services, LLC. If you believe your rights under consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) have been violated, we can connect you with legal experts for a free consultation.

Key Complaints Reported by Consumers 

Failure to Validate Debt Requests

Consumers have reported that Ability Recovery Services repeatedly fails to validate debts when requested. Many individuals state they submitted formal requests for debt validation, only to receive incomplete or no responses from the agency. This is a clear violation of the FDCPA, which requires debt collectors to provide proof of the debt upon request.

What you can do under FDCPA:

• Submit a written request for debt validation within 30 days of the first contact.
• If the collector fails to provide proper verification, they cannot continue attempts to collect or report the debt.
• You may file a complaint with the CFPB or consult a consumer protection lawyer.

If you need help addressing this issue, we can connect you with a legal expert for free assistance.

Unauthorized Reporting of Debts

Numerous consumers discovered debts from Ability Recovery Services on their credit reports that they were not aware of or had not authorized. This raises serious concerns about consumer rights under the FCRA, which governs credit reporting practices.

What you can do under FCRA:

• Obtain a free copy of your credit report and check for errors regularly.
• Dispute unauthorized debt reporting with the credit bureaus and the debt collector.
• If the issue persists, consider legal action to hold the collector accountable.

Need help disputing inaccurate credit reporting? Contact us for guidance or a free consultation with a legal professional.

Rude and Abusive Customer Service

Consumers frequently complain about the behavior of Ability Recovery Services’ representatives, citing rudeness, verbal abuse, and dismissive attitudes. Many report being hung up on or subjected to intimidation tactics when questioning the validity of their debt. This conduct is prohibited under the FDCPA, which safeguards consumers from harassment and abuse.

What you can do under FDCPA:

• Document interactions with the debt collector, including dates, times, and summaries of conversations.
• Report abusive practices to the CFPB or your state’s attorney general office.
• Seek legal counsel if the harassment persists.

Have you experienced abusive behavior from a debt collector? Reach out to us for support and free legal advice.

Inaccurate and Duplicated Charges

Several consumers noted issues with inaccurately reported charges. This included cases where the same debt was duplicated or inflated, such as medical debts being presented multiple times. These practices make it difficult for consumers to identify what they actually owe, adding to their financial distress.

What you can do under FCRA:

• Review credit reports and documentation for any discrepancies.
• Dispute duplicate charges directly with the debt collector and credit bureaus.
• Preserve documentation to support your claims in case legal action becomes necessary.

Need assistance disputing inaccurate charges? Get in touch for a free consultation with an experienced consumer protection attorney.

Harassment After Requesting Cease Contact

Even after formally requesting that Ability Recovery Services cease contact, some consumers reported continued outreach. This behavior violates the FDCPA, which allows consumers to request an end to communication from debt collectors.

What you can do under FDCPA:

• Submit a written cease-contact request to the debt collector and retain evidence that it was sent.
• If communication continues, document all attempts and file a complaint with the CFPB.
• Pursue legal action to ensure your rights are protected.

If you’re experiencing harassment after asking a debt collector to stop contacting you, we’re here to help. Connect with legal experts for a free case review.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Against Ability Recovery Services, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

About the author:

stopcollections

See more posts from stopcollections