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

Consumer Complaints Against Credit Control, 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 information represents a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers regarding their experiences with Ability Recovery Services, LLC. If you believe you’ve experienced similar issues, don’t hesitate to reach out for a free consultation with our consumer protection legal experts.

Key Complaints Reported by Consumers 

Failure to Validate Debt Requests

Many consumers have reported that Ability Recovery Services repeatedly fails to provide valid debt verification when requested. Despite submitting formal validation requests, individuals often receive vague responses or no response at all.

Your Rights under the FDCPA

• Demand proof of the debt the collection agency is attempting to collect. Debt collectors must provide clear validation within five days after their first contact with you.
• Dispute inaccurate debts in writing, forcing the collector to cease collection efforts until they validate the debt.
• Seek free legal support to hold the agency accountable for violating your rights.

Contact us today for a free consultation with a legal expert.

Unauthorized Reporting of Debts

Numerous complaints highlight the unauthorized reporting of debts to consumers’ credit reports. Many consumers discovered debt collections they had no knowledge of or did not authorize.

Your Rights under the FCRA and FDCPA

• Verify the debt’s legitimacy by checking your credit report. Dispute inaccuracies directly with the credit bureau.
• Demand the removal of unauthorized entries by submitting a formal complaint under the Fair Credit Reporting Act (FCRA).
• Pursue legal action if the agency continues to report unverifiable debts.

If this has happened to you, reach out for help and protect your credit report.

Rude and Abusive Customer Service

Several consumers have described interactions with Ability Recovery Services that were rude, dismissive, or even verbally abusive. People attempting to validate disputed debts were often hung up on or met with aggressive tactics aimed at coercing payments.

Your Rights under the FDCPA

• Prohibit abusive language by debt collectors. It is illegal for anyone to use profane or threatening language during communications.
• Stop harassment by notifying the collection agency in writing to cease contact.
• File a complaint with the CFPB or seek legal representation to pursue further action.

You don’t have to deal with abusive tactics. Speak with our legal team for advice.

Reporting of Duplicate or Inflated Charges

Many complaints revealed that Ability Recovery Services reported inaccurate charges, including duplicated or inflated debts. For instance, the same medical debt has been presented multiple times with inconsistent amounts, leading to confusion for consumers.

Your Rights under the FCRA and FDCPA

• Dispute duplicated or inflated debts to ensure your credit report is updated with accurate information.
• Request an itemized breakdown of the debt to validate its authenticity.
• Hold the collector accountable for deceptive practices through legal channels.

If you’re facing such confusion, connect with one of our experts for a review of your situation.

Harassment After Requesting Cease Contact

Some consumers have reported harassment, even after requesting that Ability Recovery Services cease contacting them. This is a direct violation of their rights under the FDCPA.

Your Rights under the FDCPA

• Send a written cease-and-desist request. Once received, the collector cannot contact you except to confirm they’ll stop or to notify you of formal legal actions.
• File a complaint with the CFPB or Federal Trade Commission (FTC) if a collector continues to harass you.
• Take legal action for damages caused by noncompliance.

If you’re still being harassed, get help now—our legal team is ready to assist you.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Credit Control, 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!

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