CFPB Complaint

Ability Recovery Services, LLC – CFPB Complaint ID 2886258

Consumer Complaint Submission

Date Received: 2018-04-24T00:00:00

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 1 ) XXXX College account that went into collections.

2 ) XXXX XXXX took over account and mailed letter XX/XX/XXXX for balance amount of {$460.00}.

3 ) Account statement from XXXX showing past payments and recent payment made on XX/XX/XXXX. Which also happens to be the date this account was bought by Ability Recovery Services. Amount was for {$25.00}, statement shows balance now {$430.00}.

4 ) Receipt for {$25.00} made to XXXX XXXX on XX/XX/XXXX.

5 ) XX/XX/XXXX debt verification letter received from Ability Recovery Services for XXXX College account. Balance stated on letter {$460.00}. I contacted XXXX, as well as XXXX, to find out how the payment can be credited to account. It was stated by Ability representative XXXX XXXX, it would take about two weeks for the payment to be forwarded.

6 ) XX/XX/XXXX mailed a payment resolution letter to Ability Recovery Services outlining four payments to be made that would resolve the balance of {$430.00}.

7 ) XX/XX/XXXX received threatening letter in regards to account after two checks had already been cashed by Ability Recovery Services with my banking institution.

8 ) XX/XX/XXXX sent letter in response to the threatening letter received.

9 ) XX/XX/XXXX another letter sent in regards to my ‘indebtness ‘ to the account. The last payment was delayed due to a household emergency, however, the amount stated on letter is still incorrect. It states a balance of {$220.00}, my balance was {$100.00}.

10 ) XX/XX/XXXX last payment check and accompanying letter was mailed to Ability Recovery Services, along with a spreadsheet of check numbers and payments. Check number XXXX in amount for {$100.00} still not presented to bank as of XX/XX/XXXX, mailed XX/XX/XXXX.

11 ) XX/XX/XXXX voicemail message received from representative XXXX XXXX at Ability Recovery Services, please see attached transcription.

I have included all documents referenced above in the order given above. Representative stated on XX/XX/XXXX that they never received the third check, yet, I have the check image, etc cleared by my banking facility. In her message she also states that the {$25.00} was credited to my account, but then says I have to take care that amount.

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Extremely unprofessional debt collection entity and I want this resolved so that I no longer have to deal with this company.

Company: Ability Recovery Services, LLC

State/Zip: IL 606XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2886258

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