Date Received: 2018-09-28T00:00:00
Product: Federal student loan debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: While I was being pre-qualified to purchase a home in XX/XX/2018, I was denied due to derogatory mark on my credit report. I enrolled in XXXX XXXX to view this negative mark and saw that a collection item placed by Ability Recovery Services, original creditor XXXX University, was present as of XX/XX/2018. Ability Recovery Services failed to send me initial communication before placing this alleged derogatory status on my credit reports violating FCRA. On XX/XX/2018 I sent letters to both Ability Recovery Services and XXXX University requesting validation of debt, dispute put on credit reports while researching and deletion of tradeline if validation can not be provided. Neither Ability Recovery Services nor XXXX University provided me with validation of debt to date. They failed to respond within 30 days of receipt of these certified mails and thus the tradelines should have been deleted. I am requesting immediate removal of tradeline from all reporting credit bureaus.
Company: Ability Recovery Services, LLC
State/Zip: AZ 852XX
Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3032306
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.
- Two Arrested in Los Angeles for Their Roles in Hospice Fraud Conspiracy - December 3, 2021
- Three Operators of Financial Services Firm Charged and Arrested in Alleged $155 Million Investment Fraud Scheme - September 17, 2021
- Better Path Financial– Scam, Complaint, Review, Or Praise? - August 25, 2021