CFPB Complaint

Ability Recovery Services, LLC – CFPB Complaint ID 2925845

Consumer Complaint Submission

Date Received: 2018-06-04T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I’ve made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau ‘s to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation, case law is as follows XXXX vs XXXX Appeal from the XXXX Superior Court – The judge ruled the following : ” As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] XXXX, XXXX XXXX XXXX. at XXXX. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act ).

Company: Ability Recovery Services, LLC

State/Zip: NC 278XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2925845

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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