| 07/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NOTICE From : DATE:XX/XX/XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Hereinafter collectively referred to as Claimant To : ABILITY RECOVERY SYSTEMS Hereinafter collectively referred to as RESPONDENT, you, your company RE : Alleged account that is not mine XX/XX/XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern I RECENTLY PULLED MY CREDIT FILE AND SEEN THAT THIS ACCOUNT DOES NOT BELONG TO ME. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as DELETED ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally DELETED ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on thisXX/XX/XXXX by, __ XXXX XXXX XXXX XXXX
|
| 08/01/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Affidavit Of Truth Notice to all, I am that I am, the consumer in Fact, natural person, Original creditor, lender, executor, administrator, holder in due course for any and all derivatives there of for the surname/given name XXXX, XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/h/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Fair Debt Collection Practices Act is intended to secure my privacy and my privacy has been breeched so be it, and ; Fact, I am sure removal of my information from your website, company records, or any and all derivatives, therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and herein unrebutted Affidavit of Truth being serviced to you and therefore as truth of commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in attachment labeled as Exhibit A Ability Recovery willfully and knowingly violated { 15 USC 1692a } abusive practices there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies to martial instability to the loss of jobs and to invasions of individual privacy. You invaded in my privacy even knowing where I stay, and I havent done no business with your company my personal identifier my privacy is expose did I consent for your company to have that Fact, affiant is aware and has proof in the attachment labeled as Exhibit A Ability Recovery willfully and knowingly violated of { 15 USC 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit B Ability Recovery willfully and knowingly violated { 15 USC 1692d ( 4 ) ( 4 ) The advertisement for sale of any debt to coerce payment of the debt Fact, affiant is aware and has proof in the attachment labeled as Exhibit A Ability Recovery willfully and knowingly violated 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) a statement that unless the consumer within 30 days after receipt of the notice disputes the validity of the debt or any portion thereof the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty -day period that the debt or any portion thereof is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty day period, the debt collector will provide the consumer with the name and address of the original creditor if different from the current creditor.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A Ability Recovery willfully and knowingly violated { 15 USC 1692b ( 5 ) not use any language or symbol on any envelop or in the CONTENTs of any communication effected by the mails or telegram that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Fact, affiant is aware and has proof in the attachment labeled as Exhibit A Ability Recovery willfully and knowing { 15 USC 1692d ( 2 ) } the use of obscene language or language the natural consequence of which is to abuse the hearer or reader Fact, affiant is aware and has proof in the attachment labeled as Exhibit B Ability Recovery willingly and knowingly violated { 15 USC 6802 ( 1 ) ( 2 ) ( 3 ) } GRAMM LEE BLILEY ACT. furnished my personal credit data to a nonaffiliated third part ( consumer reporting agencies ) without furnishing my disclosures.
Fact, Affiant is aware and has proof in the attachment labeled as Exhibit B Ability Recovery willfully and knowingly violated { 15 USC 1681b ( 2 ) } your company stole my identity and furnished misrepresentation of me to my consumer report without my written instruction definition of identity theft is with out written consent { 15 USC 1692k } Civil Lability ( a ) amount of damages Except as otherwise provided by this section any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such in the case of any action by an individual such additional damages as the court may allow but not exceeding XXXX THIS AFFIDAVIT HAS TO BR REBUTTED POINT BY POINT WITH AFFIDAVIT OR SWORN STATEMENT UNDER THE PENALTY OF PERJURY ANY PARTIAL RESPONSE IS NOT ACCEPTED AND TAKEN AS A NONRESPONSE Now I understand economic hardships however I want to try and settle this amicably and peacefully I sent you the pre arbitration demand letter I would like settle for XXXX dollars before I take this to the arbitrator I thought I should give you opportunity to cure since your company purchase the debt that hold your company subjected to their clause and if you dont want to arbitrate or dont feel like you under their clause this will be a federal case I will pursue.
XXXX. I want to be compensated XXXX for your noncompliance to the 12 violations under FDCPA 2. and my pain and suffering and defamation of character.
XXXX. I want this account deleted immediately.
XXXX. Cease and desist all communications through all mediums including Consumer reporting agencies only communication through via mail to know if your company wan na settle the and a response to this affidavit Thank you!
I swear to all information provided herein, I do so under the penalty of perjury that the information so affirms to be true, correct, accurate to the best of my ability and knowledge, so be it ; I DO NOT ACCEPT THIS OFFER TO CONTRACT.
I DO NOT CONSENT TO THESE PROCEEDINGS.
I DO REQUIRE SUBROGATION OF THE BOND TO SETTLE.
INVOICE From : XXXX XXXX To : Ability Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Term : check Description : 12 Fair debt practices act violations and defamation of my character.
XXXX XXXX XXXX : XXXX XXXX this is a Notarized affidavit of truthXXXX ability recovery quoted that they do not do affidavit of truth sworn under penalty of perjury which put them in default i have given them opportunity to cure however i called ability recovery regarding them all of the sudden deleting this alleged account off my consumer report as of Tuesday XX/XX/2023, around XXXX XXXX XXXX the lady said that XXXX XXXX said delete it and send back to XXXX college. Ability recovery injured me by Infringing on my privacy, reporting invalidated information on my consumer report and more according to the affidavit and deletion is admission. Admission is defined : In evidence. A voluntary acknowledgement, confession, or concession of the existence of a fact or the truth of and allegation made by a party to the suit. Ability Recovery should not be able to damage my credit and all of the sudden delete it and not compensate me for my injuries. Even after i cease and desist Ablitiy Recovery they still reported on my consumer reports In violation to the Gramm Lee Bliley Act Have not provided me nobody disclosure Pursuant to 15 U.S.C 6801 and 15 U.S.C. 6802 My privacy has been infringed on and Breech
|
| 07/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE SENT THIS COMPANY SEVERAL LETTERS IN WHICH THEY HAVE IGNORED BUT ALLOW THE ACCOUNT TO REPORT ON MY CREDIT PROFILE .I MAILED THEM 4 TIMES IN THE COURSE OF 2-3 MONTHS NO REPLY, CALLED THEM TOLD THME THIS ACCOUNT DIDNT BELONG TO ME, BUT IT WAS A HARD AND DESPERATE TIME MY GRANDMOTHER PASSED SO I WAS GOING TO TRY TO PAY IT EVEN AFTER EXPLANING TO THEM THIS WASNT MY ACCOUNT THEY STILL DDINT CARE IN MY DEPSERATE SITUION TRIED TO TAKE ADVANTAGE OF ME .I ASKED THEM IN accordance with the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] TO SEND ME VALIDATION BY SENDING 1. ) The original or certified copy ( NOT a photocopy ) of the parse syntax grammar document contract signed by the authorized representative of your agency and autographed by myself, that each individual entered into knowingly, intelligently, with full disclosure, and with a meeting of the minds saying that I owe you or your agency payment of this alleged debt, with both your agencies authorized representatives wet ink signature and my wet ink signature.
2. ) Proof that this debt has not been wrote off to an insurance company and claimed as a business loss and redeemed through an insurance claim by the original creditor.
3. ) Proof that this debt has not been sold to your agency for a lesser amount, and if so the amount your company purchased the alleged debt for.
4. 4. ) Your agencies license to lawfully and legally collect debt in the state of LOUISIANA and provide me with your agencies license number. ) 5. ) Validation of the alleged debt ( the actual accounting showing a loss to your agency ) and the CUSIP number of the alleged debt along with a copy of a completed W-9 and Total Amount Due statement.
6. ) Verification of your agencies claim against me ( either a sworn affidavit or a hand-signed invoice ) 7. ) The original or a true and certified copy ( NOT a photocopy ) of the Original Note or Promissory Note ( Credit Agreement ) under penalty of perjury, that I have with your agency showing my agreement to pay to your company this alleged debt.
8. ) The name of the authorized representative from your agency who has carried out due diligence and what actions s/he has taken in regards to this alleged debt.
9. ) The contract between your agency and the original alleged creditor saying they gave your agency authority to collect the alleged debt with both agencies authorized representatives wet ink signature.
10. ) Proof that I was given FULL disclosure of any contract signed between your agency and myself, and/or proof I was given FULL disclosure of any contract signed between your agency and the alleged creditor.
11. ) Also, pursuant to P.L. 93579, Approved XX/XX/1974 ( 88 Stat. 1896 ) Privacy Act of 1974 SEC. 7. [ 5 U.S.C. 552a note ] " ( b ) Any Federal, State, or local government agency which requests an individual to disclose his/her social security account number shall inform that individual whether that disclosure is mandatory or voluntary, by what statutory or other authority such number is solicited, and what uses will be made of it. '' I, hereby demand FULL disclosure of why the social security number assigned to me is used by this agency and what the purpose is this agency uses the social security number.
12. ) The process of how your agency calculated in the fees and interest attached to the alleged debt, if any, and the proof of where I agreed to pay such fees and interest.
13. ) Proof the Statute of Limitations has not expired on this account.
14. ) Verification, if any, that your agency did or did not purchase alleged debt from another debt collection agency.
15. ) Verification, if any, of tax deductions and/or tax-write offs made by your agency or any alleged creditor in regards to this alleged debt.
16. ) Any derogatory reports made by your agency to any credit bureau agency.
17. ) Verify that there is available lawful money to actually pay alleged debt as per the Constitution for the United States, Article 1 section 10 Clause 1.
18. ) If the original creditor is a government agency, ( i.e. County, state, municipal court ) please provide proof that they are following their oath of office to uphold the Constitution for the United States of America by only asking for gold or silver coin for payment of this debt as per Article 1 section 10 Clause 1 of the Organic Constitution for the United States of America.
19. ) Please send me information on my common-law remedy to lawfully pay this alleged debt if found that I do lawfully owe any debt to your agency, and my remedy to lawfully pay this debt.
20. ) Please send me any verification that Federal Reserve Notes is lawful money that can be used to pay off this alleged debt.
Please be advised, if your agency has reported invalidated information to any of the major Credit Bureaus, said action might constitute fraud under your Federal and State Laws. If any negative marks are found on any of my credit reports by your agency, this may result in a legal action against you or your agency for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Also, if your agency continues to attempt to collect any alleged debt, that I do not legally or lawfully owe to your agency that could constitute as : Violation of U.S.C. title 18 Section 872 ; attempts to extort Violation of U.S.C. title 18 Section 1341, 1342 ; Fraud and swindles, use of fictitious names through postal services ( Addressing alleged debtor by improperly spelled name/ALL CAPITAL ) NOTICE TO CEASE AND DESIST : Notice is hereby given that, until your agency can provide ALL requested documentation and information to validate this alleged debt, your agency must cease and desist from any further collection activities on this alleged debt in accordance with the Fair Debt Collection Practices Act laws of your United States Codes.
If and when your agency provides me with ALL of the information requested above, I will require at least 30 days to investigate and verify ALL information provided.
NOTICE : The use of any statutes, codes, rules, or regulations by this alleged debtor, shall not be construed by your agency or any other person ( s ) or agencies that alleged debtor has submitted to, or entered into any jurisdiction of any agency or other person ( s ).
I do not give your agency consent to contact me by phone, I will be in contact with your agency only by mail.
If your agency can not produce all said information stated above and/or does not respond to this letter within 21 days, a dishonor has occurred, and you agree to the following, 1. ) The alleged debt did not exist in the first place ; OR 2. ) The alleged debt has already been paid in full ; 3. ) There is not and never was a contract binding your agency and myself that was entered knowingly and intelligently stating I owe such alleged debt ; 4. ) Any negative remarks made to a credit reference agency in regards to this alleged debt will be immediately remove
d ; 5. ) You or your agency will no longer pursue this matter, you or your agency will offset the balance of this alleged debt to zero ( 0.00 ) and close this account ; 6. ) I reserve the right to discharge this debt for an amount I believe is satisfactory for closing this account, the amount I send will be non-negotiable by your agency, you agree not to dishonor and refuse payment, you agree to accept for value the amount paid unto you to close this account, ONLY if your company can produce the information requested above ; 7. ) You or your agency agree to pay all fees and interest ; 8. ) Any liens against alleged debtor will be removed immediately and verification of removal will be sent to alleged debtor notifying alleged debtor of removal.
THEY IGNORED ME
|
| 09/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX & XXXX Dispute results report # XXXX for XX/XX/XXXX ARS Account Resolution Services XXXX XXXX XXXX XXXX, PA XXXX Ability Recovery Service XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Tax ID : XXXX Patient account # XXXX I reviewed XXXX response to my dispute in which XXXX determined my dispute was not sufficient to make any changes or deletions I requested. I want to ask XXXX what exactly was insufficient about my dispute when I asked the collection agency for additional details validating the alleged debt of {$910.00} for XXXX XXXX, a level 3 emergency room code for a bruise on my leg that did not get treatment of any kind.
ARS Account Resolution has not written to me to properly validate this debt. They have not responded to the second letter I sent them via certified mail ( first letter and second letter both signed by XXXX XXXX ) asking them to provide additional details to validate this debt that claims I received level-3 emergency treatment by the provider XXXX XXXX XXXX.
I believe the reason Ability Recovery Service or ARS Account Resolution are unable to validate this debt precisely because the creditor can not justify the level-3 CPT code used ( XXXX ). The provider can not substantiate having administered treatment at that CPT code level ( level-3 ). The amount billed goes together with the level-3 code requiring the provider to use level-3 criteria ( moderate complexity ) in treating what was simply a bruise. The code equals the cost of treatment. I was not treated for anything.
The doctor did not even touch me and hardly spent more than 5 minutes looking at it and said I would be fine. For these reasons, I believe this provider and creditor has inflated this bill by using diagnosis billing codes that indicate the patient experienced medical complications and/or needed more expensive treatment, for example, billing for when only simple services or even only an evaluation was performed. Listing treatment as having been for a more complicated medical diagnosis than was actually the case or billing for brand-named drugs when generic drugs were provided or no drugs were provided is fraud.
I did not receive level-3 emergency treatment as evidenced by use of the CPT code XXXX, a code used for patients with problems of moderate severity. If I had a problem of moderate severity, there should also be a corresponding hospital code/bill. More serious codes demand higher payments. In my letter to XXXX/Ability Recovery Service, I asked the creditor to provide additional documentation of the alleged services I received under the level 3 CPT code XXXX. The reason they have not provided this information is because they can not. If this bill is valid, then I ask, what exactly was I treated for at a level-3? Therefore, why am I to pay for level 3 emergency evaluation and management I never received? What protects people who have no insurance from such exploitation? The provider must understand that individuals have little or no recourse. Insurance companies would challenge a bill without supporting medical documentation. I am asking for transparency in this matter from the provider and collection agency otherwise I will be stuck paying a debt that is not valid.
This is a type of fraud called " upcoding '' which is billing for a higher level of care than was provided. Upcoding is illegal. It is a way of cheating the system. Intentional upcoding violates the False Claims Act. As a patient, I expect that when a provider bills me, the provider certifies that every code billed is supported by medical record documentation - which is impossible if the provider has upcoded - which is my suspicion in this case.
I wonder how this bill compares with similar bills covered by insurance companies. I believe this provider ( XXXX XXXX XXXX ) has overcharged the patient ( {$910.00} XXXX XXXX eval and management - lvl 3 ) for " evaluation, management '' and treatment that were never given or consented to during the ER visit. Level-3 equals a problem of moderate medical complexity. A minor injury- a bruise - is being reported as a level-3 condition making it a more serious condition for the provider to treat and thus, the provider charges higher fees. A review of the information from the provider will examine the services rendered by both the provider and hospital to ascertain the said services were indeed at a level 3 category for the provider to have used the correct procedure code, XXXX which is the code used in this case. This is a predatory form of fraud exploiting those of us who do not carry health insurance. A insurance company would scrutinize the bill and would not accept such vague coding for nearly {$1000.00} without supporting documentation and doctors notes to back up the medical necessity of treatment provided.
By law a patient is obligated to pay the rate of the emergency room charges for services if : 1. the patient consented ( by signature ) to receive the services ; and 2. the patient actually received said services ( I never got any treatment ) It is my understanding from research that a patient is not legally obligated to pay for any emergency room services that they did not actually receive or consent to. If the patient was overcharged during the emergency room visit, what recourse does the patient have? The provider, in this case, is taking full advantage of the fact that I likely can not perform the same billing scrutiny as an insurance company. Is the {$910.00} charged comparable to how the provider would bill an insurance company for the services/treatment rendered? How would the provider justify the use of the XXXX CPT code if I was XXXX or XXXX?
This is why the only way an individual can find overcharges is to : 1. Request an itemized statement of the bill to see if the charges correspond to the treatment ( if any ), given ; 2. Establish whether signature consent for said procedures or treatment was given by the patient ; 3. Have my personal doctor review the billing statements/doctors notes, 4. Ask for the hospital to audit the providing doctors statements ; ( why is there no corresponding hospital/facility bill for the same? ) ; 5. Determine if treatment/procedure was medically necessary ; 6. Ask the provider/hospital billing department for adjustments for anything the patient did not consent to via signature ; 7. Have a patient advocate negotiate with the hospital/provider over inaccuracies.
Question : Should I be denied a detailed explanation of charges simply because I am not a big and powerful insurance company? If XXXX XXXX XXXX, XXXX would fail to overcharge an insurance provider, why should they succeed in overcharging an individual? It is an abuse of power. The principle of billing and applying medical billing codes accurately should be equivalent to how much insurance companies pay for the same treatment/care. XXXX has advised me to either file a complaint against XXXX or the debt collector or the provider with the Consumer FinancialProtection Bureau which is the purpose of this complaint.
I have requested that XXXX re-evaluate the validity of this bill from XXXX XXXX XXXX, XXXX a bill now pursued by ARS/Ability Recovery Services debt collection agencies. I stand by the fact that if I was a patient in an emergency room, I should only be charged for treatment I actually received. I believe I have been charged for treatment that was never rendered to me. My treatment records could be mixed up with another patient who was a level-3 patient or are the result of clerical error or provider fraud ( upcoding ).
Sincerely, XXXX XXXX XXXX
|
| 03/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. XXXX XXXX XXXX bal. {$950.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. Please cease and desist all collection activities until you can properly validate this alleged debt. I have not done or agreed to do any business with Credence nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. This is a direct violation of my rights 15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE Credence ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Copy of link to Law Attached https : XXXXXXXX XXXX/ XXXX violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. Accuracy and fairness of credit reporting. The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
|
| 12/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that ABILITY RECOVERY SERVICE had illegally posted alleged medical collection accounts to my credit report. I have never started nor an opened account with this company. My report shows that ABILITY RECOVERY SERVICE open account was opened on XX/XX/XXXXXXXX with a balance of {$2000.00}, {$1500.00}, and {$1700.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute these accounts. I never received a letter stating that I have an alleged debt with this company and owe a balance on an account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package.
They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA, FDCPA, and HIPPAA ( Health Insurance Portability and Accountability Act of 1996 ) laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously. Please help me get these accounts removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. ABILITY RECOVERY SERVICE XXXX XXXXXXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 11/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. ABLTY RECVRY balXXXX {$820.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than fouXXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good afternoon : I reviewed my credit report and noticed inaccurate reporting and possible fraud. While reviewing my credit report, I observed the collection company in question- Ability XXXX XXXX XXXX XXXX XXXX reported on my consumer credit report on behalf of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX also reported the same debt at or about the same time. I have attached a copy for your review. What's interesting is they are the same company. I have attached my letters written to them and the notices I received from the collection company. This violates the Fair Credit Collection Practice Act, prohibiting this from happening to consumers. On XX/XX/XXXX, I sent a certified letter to Ability Recovery Service aka XXXX aka XXXX XXXX XXXXe and requested debt validation according to the Fair Credit Collection Practice Act, 15 USC 1692g Sec. 809 ( b ). On XX/XX/XXXX, I received a letter from Ability Recovery Service, aka XXXX, aka XXXX XXXX XXXX. That stated they verified the debt with their client and provided NO proof of debt validation such as but not limited to contract, signature, or any documentation demonstrating facts proving this debt belongs to me, which is a violation of the Fair Credit Collection Practice Act. On XX/XX/XXXX, I sent a certified letter to XXXX, XXXX, and XXXX disputing this debt because I believed this was fraudulent and inaccurately being reported to my credit report. I received a response from XXXX and XXXX that stated, " debt validated and will remain. '' Still, they both failed to provide debt validation, such as but not limited to contract, signature, or any documentation demonstrating facts proving this debt belongs to me or an explanation of how they validated the debt, which is a violation of the FCRA and FCCPA. I sent another certified letter by mail on XX/XX/XXXX to XXXX XXXX XXXX, aka XXXX, aka XXXX XXXX XXXX, and requested debt validation according to the Fair Credit Collection Practice Act, 15 USC 1692g Sec. 809 ( b ). with no response. Again they violated the Fair Credit Collection Practice Act. On XX/XX/XXXX, I sent certified mail as a SECOND attempt to XXXX and XXXX requesting validation of the debt. Both XXXX and XXXX failed to respond within 30 days and produce facts, documentation, or evidence to prove this debt belongs to me. On XX/XX/XXXX, I sent by certified mail a THIRD request letter to XXXX that the unverified items remained on my credit report in violation of the Federal Law and they are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the information is in fact mines and correct. I demanded to know who verified these accounts and the method of verification and requested the account to be deleted from my account. XXXX failed to respond and produce evidence this debt belongs to me within 30 days. On XX/XX/XXXX, I sent by certified mail to XXXX a THIRD attempt letter requesting physical proof of the original signed consumer contract-any an all documents proving this debt belongs to me per the Fair Credit Collection Practice Act, Section 609 ( a ) ( 1 ) ( A ). I received no proof again validating that this debt belongs to me, violating my consumer rights under FCRA and FCCPA. On XX/XX/XXXX, I received a letter from Ability Recovery Service, aka XXXX, aka XXXX XXXX XXXX, that stated : " they have verified the information with their client. '' They failed to provide physical proof of the original signed consumer contract verification. All documents prove this debt belongs to me per the Fair Credit Collection Practice Act, another violation. On XXXX, I sent another certified mail letter to XXXX XXXX as a THIRD attempt. I exercised my right under the FCRA 611 ( a ) ( 7 ) to request a complete description of all the methods used to investigate my aforementioned dispute and requested this account be deleted because they failed to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), and must delete this account if it could not be verified under Section 611 ( 5 ) ( A ) of the FCRA. I informed them they would be in noncompliance per Section 617 of the FCRA if they failed to comply ; it's considered " negligent and noncompliance '' I did NOT receive a proper response. On XX/XX/XXXX, I sent a certified letter to XXXX as a FOURTH attempt to exercise my right under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute mentioned above. I asked for the account to be deleted because they failed to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and must delete this account if it could not be verified under Section 611 ( 5 ) ( A ) of the FCRA. XXXX did not provide a proper response and violated my consumer rights again. On XX/XX/XXXX, I sent a certified letter as a FOURTH attempt by mail to XXXX demanding verifiable proof and if the debt could not be proven, it MUST be deleted again if they failed to comply with FCRA and FCCPA. On XX/XX/XXXX, I sent a certified letter as a FIFTH attempt by mail to XXXX demanding verifiable proof, and if the debt could not be proven, it MUST be deleted, again they failed to produce any evidence this debt belongs to me and violated the FCRA and FCCPA. On XX/XX/XXXX, I sent a certified letter as a FIFTH attempt by mail to XXXX demanding verifiable proof, and if the debt could not be proven, it MUST be deleted again ; they failed to produce any evidence this debt belongs to me and violated the FCRA and FCCPA.
I have exhausted my attempts to resolve this matter at this point. I felt it was necessary to file a complaint.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This complaint is being filed against third party collection agency Ability Recovery Services and XXXX consumer reporting agency. This collection agency and XXXX have REINSERTED a medical account on my consumer file WITHOUT a NOTICE in writing no later than 5 business days after the reinsertion which is a VIOLATION of the FAIR Credit Reporting Act 611. [ 15 U.S.C 1681i ( a ) 5 ) ( B ) and ( C ) for failure to give me proper notice and maintain REASONABLE PROCEDURES DESIGNED to PREVENT the reappearence in a consumer file. The account number changed from XXXX to NOW XXXX but has the SAME balance {$640.00}, SAME company name ABILITY RECOVERY and SAME original creditor XXXX XXXX XXXX leading me to believe this is the SAME account. I feel like I have already took the proper steps with this collection agency DIRECTLY and XXXX refused to delete this item from my report after the reinsertion.
XX/XX/XXXX I sent Ability Recovery a letter DIRECTLY at there address Ability Recovery Service, XXXX XXXX XXXXXXXX XXXX XXXX XXXX requesting for proper Validation as well as notifying them of the HIPAA violations being committed on my consumer file by them. Tracking XXXX. Ability Recovery RECIEVED my request on XX/XX/XXXX. Attached is a copy for your viewing.
XX/XX/XXXX Ability Recovery responded and sent me a letter stating that the additional letter enclosed was VERIFICATION and they had INCLUDED a DIFFERENT third party collection agency XXXX XXXX XXXX XXXX in there same letter saying that XXXX XXXX XXXX XXXX has PURCHASED the debt from XXXX XXXX XXXXXXXX. They also state the the balance is still outstanding and DUE TO XXXX XXXX XXXX Enclosed with that letter is a piece of paper created by XXXX XXXX XXXX that reflects NO Proper Validation. The ORIGINAL CREDITOR is NOT even listed no were on the Validation they claim to have proved. I was also confused on why a third party collection agency ABILITY RECOVERY was listing ANOTHER third party collection agency XXXX XXXX on there same letter claiming that I owe XXXX XXXX but Ability Recovery was the current owner? This is a VIOLATION of the FDCPA 1692e ( 14 ) because this third party collection agency has included another third party collection agency company other than there true identity and company name. XXXX XXXX is based out of Pennsylvania and XXXX XXXX is based out of Florida. There should be no reason why 2 different third party collection agencies should be listed on the same letter claiming validation on this alleged debt. Attached is a copy for your viewing.
XX/XX/XXXX i sent Ability Recovery a 2nd letter tracking XXXX and they received my letter XX/XX/XXXX. In this letter I notified them of all the FDCPA violations they have committed by accusing me of owning them or XXXX XXXX this alleged debt that has NOT been proven to be legal. Attached is a copy for your viewing.
XX/XX/XXXX I even took it upon myself to send XXXX XXXX a DIRECT VALIDATION REQUEST to there mailing address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, since Ability claims that I owe XXXX XXXX. Tracking XXXX. My request DID NOT get to them leading me to believe that there address is NON DELIVERABLE.
XX/XX/XXXX XXXX DELETED this account from my experian file.
XX/XX/XXXX I noticed that this same company ABILITY RECOVERY has flagged my XXXX file. XXXX or this company has REINSERTED this SAME account with the same balance {$640.00}, same original creditor XXXX XXXX XXXX BUT now they are reporting a different account number XXXX. I sent XXXX a dispute notifying them of the Violation of Reinserting this account without proper written notices from XXXX in regards to the reinsertion 611. 15 U.S.C 1681i ( a ) ( 5 ) ( B ).
XX/XX/XXXX XXXX generated me with results report # XXXX and XXXX results outcome was the company that reported the information has CERTIFIED to XXXX that information is ACCURATE.
If Ability Recovery or XXXX XXXX simply could not provide proper validation in order to make this alleged debt legally valid BEFORE then how is it possible to report the same debt claiming that I owe them still NOW?
I want this account IMMEDITELY DELETED. My consumer rights are being VIOLATED.
VIOLATIONS COMMITTED BY ABILITY RECOVERY and XXXX XXXX. 611. [ 15 U.S.C 1681i ( a ) 5 ) ( B ) and ( C ) Requirements relating to Reinsertion of Previously Deleted Material.
2. 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business company or organization.
3. 1692g ( a ) Notice of debt, contents 4. 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
5. 1692g ( b ) Disputed Debts 1692c ( c ) per my consumer rights I REFUSE to pay a alleged debt without proper legal document PROOF of VALIDATION that will be accepted by the court. My Hipaa rights are being VIOLATED when Hipaa is suppose to PROTECT third party collection agencies from using private medical information without my consent. I have never signed a Hipaa release form with Ability Recovery or XXXX XXXX to assume this debt is legally valid and by these third party collection agencies claiming they have my alleged private medical information WITHOUT my consent, that is a direct Hipaa violation. Since XXXX decided to NOT take reasonable procedures DESIGNED to PREVENT reappearance on this account I am now requesting the Certification from the data furnisher or the person who Certified the account in regards to the reinsertion.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX. XXXX XXXX XXXX. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concern, Please see below letter sent certified mail to Ability Recover Services. Reading the below letter will best outline the definition and content of my complaint. PLEASE NOTE that this complaint is in tandem with complaint # XXXX that i sent today XX/XX/XXXX but I am just correcting the dates of the altered or " re-aged '' DOFB dates by the collection agency to XX/XX/XXXX not XX/XX/XXXX.
Documents are attached showing original service dates of XX/XX/XXXX which Ability recovery sent me by request and then pictures of my XXXX credit reports showing repeated inaccurate and illegal re-aging posted dates of ONE year later starting XX/XX/XXXX sent by Ability Recovery Services to XXXX. Please read below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX Ability Recovery Services LLC XXXX XXXX XXXX XXXX, PA. XXXX Re : Acct # XXXX or acct # XXXX XXXX ( both are listed ) To Ability recovery services or whom it may concern, This letter is in conjunction and direct follow up to the preceding letter dated XX/XX/XXXX.
It is responding to Account 's XXXX or acct # XXXX XXXX ( both are listed ), which you claim 12 charges TOTAL = 6 " duplicate/repeated '' charges of {$XXXX} ( 6 X the same charges ), 1X {$XXXX}, 1X {$XXXX}, 2 X {$XXXX} and 1 X {$XXXX}.
I am further disputing this claim as your company has clearly altered as " re-aged '' or what is called " illegally re-aging '' these accounts from the original date of debt as the above stated accounts reflect a new, different or altered date to the credit reporting agencies ; specifically XXXX.
The copies of the original 10 debt charges that you sent on XX/XX/XXXX reflect original service dates ranging from XX/XX/XXXX through XX/XX/XXXX and your reporting of " date of first delinquency '' or DOFB to the collection agencies ALL reflect a RE-AGED dates ranging in XX/XX/XXXX. The DOFD dates were re-aged almost 360 days ( 1 year ) in your reporting.
FCRA guidelines Section 606 states : " The date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. '' NO payments were made on these accounts. " The FCRA Compliance Date is the official beginning of first date of delinquency ( DOFD ) which can not be changed once an account is charged-off. " This is a serious " illegal '' offense as considered by the Federal Trade Commission and SEVERE violation of FCRA guidelines Section 606 C which specifies " that any entity that reports information to credit bureaus about a delinquent consumer account that has been placed for collection or written off must report the actual month and year the account first became delinquent ''.
Be aware that I am making a LAST and FINAL goodwill attempt to have you clear up this matter. These 12 listed items are dated incorrectly representing a very serious illegal reporting error and must be removed immediately.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I am also in the final stage of process filing a civil claim against you in XXXX XXXX XXXX XXXX XXXX XXXX, FL.
I further remind you that you may be liable for your willful non-compliance as well.
I have also filed a direct complaint with the Consumer Financial Protection Bureau with a full detailed account of this case in its entirety including violations. Listed below is the filed complaint information as you will be contacted accordingly : Consumer Financial Protection Bureau Complaint Number XXXX Failure to respond satisfactorily within 30 days of receipt of this certified letter AND removal of ALL 12 items from ALL credit reporting agencies including XXXX will result in a small claims action I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation Financial Injury US XXXX XXXX XXXX, XXXX XXXX, No. 00- 15946, Nelson vs.
Chase Manhattan 2. ) Negligence 3. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 606-b ) 3. ) Violation of Consumer protection afforded by the FCRA Section 605 ( c ) When the case is filed you, will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX SSN : XXXX ** ( For the record, there are now 12 reported debt charges reported specifically to XXXX and only 10 copied charges were furnished at the time of your XX/XX/XXXX letter )?
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX As this is illegal and unethical, please assist in having Ability Recovery Services remove these charges form my credit report.
Thank you for you king consideration and help on this very stressful and concerning matter.
Best regards, XXXX XXXX
|
| 07/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services ( XXXX, XXXX ) was hostile to me as someone erroneously assigned debt that was not mine. The companys representatives have been hostile, misled me, refused to help me remove an erroneous collections account, and hung up on me repeatedly. I did not receive any documentation or notifications addressing this debt until I received a notification from credit monitoring services that a collections account had been placed on my credit reports. I called ARS to clear my name, but never received a call or letter from ARS before the account was placed on my credit reports. I was hung up on by 3 separate representatives at various points during calls, and repeatedly interrupted by them also. In particular, representative XXXX XXXX was hostile and unhelpful once I informed him this was not my debt and I would not be paying it. XXXX XXXX ( XXXX ) at Ability Recovery Services ( ARS ) was incredibly rude and activelyprevented me from clearing my name by : -not furnishing the PO box or fax number for ARS to provide documentation for my dispute, even when specifically asked what documents to provide and how -continuously insisting that the hospital could NOT help me in any way ( indeed, it was the hospital that helped clear things up because their billing error caused this issue ) -repeatedly interrupted me, yelled at me, and hung up on me -would not work toward resolution and instead insisted it was my debt after repeated claims it was n't -Specific examples of hostile practices : -During conversation, I asked for the steps to take to remove this erroneous account from my credit. Instead of providing a fax or PO box , XXXX 's response : " I 'm sorry sir, we do n't have a way for you to not pay your bills. '' This is further illustration of his unwillingness to assist in resolving the matter. This call eventually descended into a yelling match, as he kept interrupting me and I kept trying to talk over him. -On my third call to XXXX , the morning after our yelling match, I asked for more clarification, and I specifically said I did n't know if it was ID theft, etc., and that I " would appreciate more understanding and less outright hostility from him, '' he immediately hung up on me with no response - the exact opposite of what I plead for -XXXX was not the only rude representative, I was hung up on by at least 2 others after asking them not to interrupt me. This is a culture of bad behavior at ARS. -When I asked for a supervisor after the first of the hangup incidents, I was told they would take my name and number and call me back. I never received that promised call, even after a week and a half. Additionally, XXXX XXXX XXXX ( XXXX ) violated the FDCPA by knowingly furnishing incorrect information to a debt collection agency that has caused me undue stress and wasted significant amounts of working hours to resolve. I never received any notification of debt from XXXX, but was notified of this mistaken identity when credit monitoring services alerted me to a collection account added to my credit report. Upon investigation with the collection agency, I learned that XXXX initially held the debt and sold it to XXXX XXXX XXXX after attaching it to my name. The actual debtor shared my birth date, last name, first name ( spelled differently ), and had a different middle name. Upon further investigation with XXXX at XXXX ( reference # XXXX ), XXXX informed me that the account contained notes already stating the debt was in the wrong name and had erroneously been attached to the wrong person. Indeed, an individual at the correctional facility ( XXXX XXXX ) that housed the original debtor called to resolve the issue with XXXX, who did not resolve this mistaken identity. Instead of resolving the issue, XXXX knowingly furnished incorrect information to the collection agency, who then added it to my credit report and wasted my time trying to resolve this issue. The only information XXXX used to assign this debt to my name was a different name from my own and a shared birthday between myself and the actual debtor. There was no social security number ever used in the course of this debt handling. Indeed, in the debt verification letter, the address is a correctional facility - in no way does it match any of my information beyond having a matching birth date. Knowingly furnishing incorrect information and posting it to an individual 's credit report violates the FDCPA and causes undue hardship on the individual, not to mention the hostile practices of the debt collection agency. I filed a formal complaint by mail to ARS at the PO box provided and have received no response after over 4 weeks. Attached is the debt validation letter ARS provided me with, obviously containing a differently spelled first name, and an incorrect address in a state I never resided in. This case of mistaken identity should never have happened ( XXXX XXXX XXXX ' fault ), and I should have not been treated in such a hostile manner in the course of resolving the issue ( ARS ' fault ).
|
| 04/16/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
Servicemember |
|
Ability Recovery Services is handling a debt that I accrued through XXXX XXXX. I had set up an automatic monthly payment plan of {$50.00} to pay off the debt.XX/XX/XXXX I received a voicemail asking me to call back at my earliest convenience as my payment was declined. Unfortunately I did not check my messages untilXX/XX/XXXX at which I phoned back. I reached XXXX, my account manager, at which time I explained I had lost my debit card and had to get a new one then asked if I could give her my new debit card number and set the payments back up on the first of XX/XX/XXXX. At this point she stated in a hostile voice that she would not allow me to go 60 days without payment. I asked when the payment was due, she answered " XX/XX/XXXX ). I was extremely thrown off at her tone stated that I would call back to speak with someone else, she let me know that she is handling my account so I would just get her anyways. I let her know that I was hoping to get someone that was not as rude ; at this point she asked if I was giving my card number, which I wanted to speak with someone else, she responded that she will note this as a failure to pay. Through this she informed me that she will be putting this on my credit report, even though I never stated I was refusing to pay. After I got off the phone I went into my email to check the receipts and attempt to find a different way to contact the company, Ability Recovery was taken out at various times of the month and usually twice a month. Never consistent. I phoned back later in the day at which I received another worker, she stated that my rep was right there and put me on hold ; came back on the line and stated she was going to see if my rep was off the phone ; came back on the line and stated that my rep had apparently left for the day and asked what she could help me with. I explained that I was looking to gain information on the dates that my payment plan had been set up for. She informed me that I was not on a payment plan. I stated that I understood, but was looking for the due date on my prior payment plan. At this time this rep would only answer me with the amount I owed. I stated that I understood that, but it was calling about my prior payment plan. She continued to only answer with my amount due. I explained that again I understood and that that was due to my rep making the decision to note me as a failure to pay. At this time the rep on the phone informed me that she is reading a note that the current amount she was telling me was not correct as that was a discounted rate and that my rep was not offering me that anymore. I again stated the reason I was calling was because I was looking for the prior payment arrangement due date. The current rep on the phone then read me the dates that I missed payments (XX/XX/XXXX ) and let me know that if she was my rep I would have never made it this far. The rep then continued to let me know that it was my fault that I chose to fail to follow through on my payment arrangement ( understood ), and that somehow I got lucky. At this point I asked to speak with someone else ; this rep informed me that XXXX was my accounts manager and that is who I needed to deal with. I asked to speak with someone higher than XXXX and this rep stated that XXXX is the only one I can speak with. I asked if XXXX owned the company and was told no. At this point this rep asked if I was going to give her my card number to pay off the balance at which I stated, " absolutely not. '' She then ended the call. I attempted to research and find out how to contact someone else at the company with no luck. I did however find hundreds of complaints ranging from the customer service to payments not coming out correctly. The BBB alone has 183 complaints. I did receive a call the following week from my rep, XXXX, returning my call from the previous week. At this point she offered me to pay {$25.00} this day and then {$50.00} on XX/XX/XXXX I asked XXXX what my prior due dates were and she answered with the dates that payments came out. ( Payments due every 30 days. ) I asked why the dates were inconsistent at which she stated that every time they billed my card was declined so they would bill again. Note : if taken out on the first this is impossible as that is the date myself and my husband are paid, as well as having overdraft coverage. She asked if I was going to make a payment at which point I stated I needed to speak with my husband as XXXX herself as well the other rep, who was very rude, told me this was not an option. XXXX simply stated that I needed to call her by XXXX the next day. I did not, as I am extremely hesitant to work with this company and honestly flabbergasted that they are even in business, nevermind a billion dollar company. Myself and my husband are working very hard to work our way out of debt, and unfortunately when our future is put in the hands of companies like this it feels impossible.
|
| 05/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You Ability Recovery Services , LLC You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST Ability Recovery Services , LLC.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION Duty : a moral or legal obligation ; a responsibility 15 USC 1681 s-2 Says you Ability Recovery Services , LLC Inc are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if 60 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Account # XXXX, Account # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concern, Please see letter below sent to Ability Recovery Services dated XX/XX/XXXX. The specific details in this letter will/can best explain my ONGOING case : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX Ability Recovery Services LLC XXXX XXXX XXXX XXXX, PAXXXX XXXX Re : Acct # XXXX or acct # XXXX XXXX ( both are listed ) To Whom It May Concern : This letter is in conjunction and direct follow up to the preceding letter dated XX/XX/XXXX.
It is responding to Account 's # XXXX or acct # XXXX XXXX ( both are listed ), which you claim 12 charges TOTAL = 6 " duplicate/repeated '' charges of {$130.00} ( 6 X the same charges ), 1X {$96.00}, 1X {$100.00}, 2 X {$27.00} and 1 X {$28.00}.
I am further disputing this claim as your company has clearly altered as " re-aged '' or what is called " illegally re-aged '' these accounts from the original date of debt as the above stated accounts reflect a new, different or altered date or assigned date of debt to the credit reporting agencies ; specifically XXXX.
The copies of the original 10 debt charges that you sent on XX/XX/XXXX reflect dates ranging from XX/XX/XXXX through XX/XX/XXXX and your reporting an date of reported debt to the collection agencies ALL reflect a RE-AGED date of XX/XX/XXXX. XXXX. ** This is a serious " illegal '' offense as considered by the Federal Trade Commission and SEVERE violation of FCRA guidelines Section 606 C which specifies " that any entity that reports information to credit bureaus about a delinquent consumer account that has been placed for collection or written off must report the actual month and year the account first became delinquent ''.
Be aware that I am making a LAST and FINAL goodwill attempt to have you clear up this matter. These 12 listed items are dated incorrectly representing a very serious illegal reporting error and must be removed immediately.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
I am also in the final stage of process filing a civil claim against you in XXXX XXXX XXXX County Circuit Court, FL. I further remind you that you may be liable for your willful non-compliance as well.
I have also filed a direct complaint with the Consumer financial Protection Bureau with a full detailed account of this case in its entirety including violations.
Failure to respond satisfactorily within 30 days of receipt of this certified letter AND removal of ALL 12 items from ALL credit reporting agencies including XXXX will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation Financial Injury US Court of Appeals, Ninth Circuit, No. 00- 15946, Nelson vs.
Chase Manhattan 2. ) Negligence 3. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 606-b ) When the case is filed you, will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Fl. XXXX XXXX : XXXX ** ( For the record, there are now 12 reported debt charges reported specifically to XXXX and only 10 copied charges were furnished at the time of your XX/XX/XXXX letter )?
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX I think as you can understand and clearly see, Ability Revover services has re-aged this account by almost 2 years.
I am attaching a 1. copy of the itemized billing statement of debt from the collection agency showing original date of service. ( which was XX/XX/XXXX ). 2.Pictures of the dated reporting on my XXXX Report XXXX a different original debt reporting date of XX/XX/XXXX.
Please let me know what additional steps can be taken here to rectify this situation and clear this mistake from my credit history.
Thank you and best regards, XXXX XXXX 4 ATTACHMENTS ENCLOSED
|
| 06/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an alert that ABILITY RECOVERY SERVICES placed a medical collection account on my credit report on XXXX, XXXX, and XXXX in the amount of {$600.00} on XX/XX/XXXX. I did not receive any notice of this debt in writing prior to them putting this account on my credit reports. Putting this collection item on my credit reports without my knowledge violates the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. This letter is required under law and state my right to dispute the validity of the debt within 30 days. They took this legal right that I am owed under law away from me. I contacted an attorney for assistance. I contacted this company to try to resolve this matter on XX/XX/XXXX, while it was being investigated by my attorney and authorized ONE payment to be made on XX/XX/XXXX for {$50.00} only. On XX/XX/XXXX this account was then removed from XXXX, XXXX, and XXXX because ABILITY RECOVERY SERVICES was unable to validate the debt they claimed that I owed. If a debt can not be validated, under FDCPA laws the debt collector can not continue to attempt to collect on the supposed debt. On XX/XX/XXXX I contacted ABILITY RECOVERY SERVICES and spoke to the associate that originally took my information, XXXX XXXX, and asked that she remove my card information out of the system and I did not wish to continue making payment with them through this card either as I owe no debt with them and XXXX XXXX agreed to do so. I asked that they please send me proof of debt and ownership, Ex : a bill, contracts that I signed, my state issued ID, and any related documentation to prove this supposed debt was in fact valid. As I awaited their response via mail or email, I received letters in the mail dated XX/XX/XXXX and XX/XX/XXXX stating that they will process no amount, no payment ( $ ) as agreed to under prior correspondence from XXXX XXXX. This was not an issue as the letter stated no amount was due as the debt was not validated and I asked XXXX XXXX to remove my card information. On XX/XX/XXXX the same card I asked XXXX XXXX to remove from the system was charged an UNAUTHORIZED {$50.00}. This caused a financial hardship. I contacted ABILITY RECOVERY SERVICES on XX/XX/XXXX and complained that they made an unauthorized charge on my card. I was transferred around several times before speaking to management whom did not resolve the issue satisfactorily as the damage was done. They also added an additional {$5.00} to the balance they claimed that I owed which they didn't disclose on XX/XX/XXXX. I DID NOT AUTHORIZE the transaction on XX/XX/XXXX and this is a violation on my rights under the Truth in Lending Act. I will also be filing a complaint with the Federal Trade Commission if need be. They have committed fraud and deceived me by not disclosing an additional charge to the balance they claimed I owed for transaction on XX/XX/XXXX as well as the UNAUTHORIZED transaction on XX/XX/XXXX for {$50.00}, which is a violation of the Federal Trade Commission Act, Section 5 : Unfair or Deceptive Acts or Practices. They then sent a generic letter in the mail dated XX/XX/XXXX which is not adequate validation that this debt belongs to me. This sheet does not contain a contract, signatures by me, chain of custody giving them ownership of this debt. However it does violate HIPPA to access a patient 's information such as procedures and procedure codes by a 3rd party not authorized to that information. All around, ABILITY RECOVERY SERVICES has violated a number of my rights. ABILITY RECOVERY SERVICES is committing fraudulent activity on my credit report and " supposed debt '' that I owe. They called several times in XX/XX/XXXX not disclosing whom they were then adding this account onto XXXX, XXXX, and XXXX consecutively, yet again, each time they called and hung up on me as a scare tactic to get me to pay for an non-validated debt that was removed a year prior. This bullying has to end. I fear that they are trying to abuse me financial and deceptively. I fear for my financial safety against ABILITY RECOVERY SERVICES whom have a few hundred complaints for the same reasons. The associates are rude, hang up on you, do not disclose their identity, and do not provide an atmosphere where I am comfortable discussing any matter with this company. They need to remove this account from XXXX, XXXX, and XXXX.
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Account ( Company ) Name : ABILITY RECOVERY SERVICE Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status Updated XX/XX/XXXX Balance {$2500.00} First Reported : XX/XX/XXXX Original Creditor XXXX XXXX Collection Agency Address : Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX My credit report shows a collection from Ability Recovery Services that I do not owe.
I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. I have been challenging this with all three credit bureaus since it was first reported. I have informed Ability Recovery Service that I do not owe the debt. They were no help. The person I spoke with in the past was rude and unhelpful instead I received a debt settlement reduced amount request for a debt that I do not owe. I responded to debt dispute in XX/XX/XXXX prior to the 30 day deadline.
They continuously update the account in a unethical practice attempt to lower my credit score. Ability Recovery Services just recently updated the account this month. The original company is listed as XXXX XXXX. The original debt supposedly was from XXXX. They are claiming I owe ( {$2500.00} ) from classes? I enrolled in XXXX XXXX online XXXX course back XXXX, and disenrolled beginning of XXXX before XXXX in which the debt is stated as opened. I am XXXX veteran. I began having major medical issues from my military service prior to the start of XX/XX/XXXX classes. I disenrolled out of the program. I took all the proper steps to disenroll properly as informed by the college. In XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX sent me emails stated that they have not seen participation in my classes. I contacted them and informed them that I was no longer enrolled in the college. I was informed that I received the notification in error and everything was ok. I did research online and find out that XXXX XXXX has been sued with two class action lawsuits for unethical practices. Prior students complained about XXXX XXXX automatically enrolling students no longer attending the college in to classes that they have no knowledge of. The Department of Education have also fined them for receiving federal student loan funding for students no longer enrolled. I am a victim of enrollment of classes that I did not attend. In XX/XX/XXXX, I was not enrolled in any college. I even tried to recently clear this matter up with the college. I have not received any assistance with deleting this college debt that is not mine.
I also researched Ability Recovery Services on the internet. Ability Recovery Services have abundance of complaints along with a lawsuit for violating the collection laws with contacting a consumer to include the extreme rude customer service like I received. I do not know what else to do. I need this debt removed from my credit reports. All my other accounts on my credit report has great payment history and this one account that is not my debt is preventing me from purchasing a car or a house for myself and my XXXX children. I three accounts open and closed shortly after extending me the credit and one account that the creditor reduced my credit limit down drastically to {$100.00} due to Ability Recovery Services continuous reporting this debt that is not mine. I am doing everything right with paying my actual creditors and on time and this collection agency is destroying my life financially. I feel very tramped. I have followed all the correct procedures with disputing and Ability Recovery Services re-reports the debt. I am now a XXXX veteran who is trying to raise my kids and provide transportation and housing for my kids and I can not do that. I can not utilize my VA XXXX XXXX XXXX a veteran benefit that I have earned because of the malicious and unethical practices of Ability Recovery Services of a debt that is not mine. I have serviced my Great country. Why do I have to come home and fight seamless debt battle that is not even mine? I do not know what else do. Can you please investigate and have this debt that is not mine removed, so the credit abuse on my credit report can stop? All I want is to have this debt that is not mine removed from my credit report, so I can have a part of the same American Dream that I served for especially when it is not my debt.
|
| 09/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I answered a call on XX/XX/XXXX in in which the number was not familiar. I have seen the number on my phone before but it was a missed call. I answered the phone and a representative from ability Recovery Services let me know that I had a debt that was outstanding I'm at let them know that I am not received any letter or information about a debt. They said they had sent the letter in XXXX and I told him that if they accept the letter it may have not reached me or may have gotten lost or in the wrong mailbox because I've had that happen. They let me know that they said I had a building a bill outstanding for {$530.00} for a old medical bill I let them know that I have not seen a letter for medical bill and I said that there was their final call to let me know that if I didn't pay this bill that they would put it on my credit report and I let them know that I needed to work something out with them because I did not have the total amount to pay. They told me to pay in {$200.00} a month for 3 months even though that first they said the bill was XXXX and also said the bill was another amount from another representative. I let them know that the bill could have been as long as 2 years ago and I had paid on a bill and the amount disappeared. This was after they gave me a hospital date but they insisted that they want me to pay but made it so difficult to send me a verification letter for who the bill was from and the details of the bill. If they had a hospital date, I would think they had all of the details that they could supply me with over the phone but they did not. They told me that they had sent the letter and if I didn't pay or make a payment plan that they would put it on my credit I told them that I needed to talk to someone to see if I can get the money to pay because I was going through medical issues and it was going to be difficult to pay the whole amount. I also asked him for a verification of debt letter to know who they were and who bought the debt from and they told me that if I wanted that letter, it was going to take them 6 weeks to send me that letter which I have not seen I don't know if I missed it but they were supposed to send me a letter. The first individuals I spoke to on the XXXX were out of an XXXX call center out of XXXX for Ability Recovery Services and by that XXXX they had already placed the derogatory claim on my credit report. I called on the XXXX to speak to another individual this time within the United States by a number obtained on their website. The first number that called was XXXX ( XXXX ) XXXX, the number I called after the derogatory claim was XXXX. During the call about the derogatory claim the representative said that he was going to suppress the claim but the claim is still on my credit report they have done nothing about it. I also let him know that I wanted a verification that is to verify that I had that debt and who the debt was from and he also told me they will take up to 6 weeks to get a verification letter. I let them know that if it was a medical debt that the state of Tennessee had passed a law that a company could not place medical debt on an individual 's credit report. He said that the company knew the laws of Tennessee and that they could proceed with it and I told him that it was only a few days after I answered the phone that they put this claim on my credit report. I also informed him over the company reviews that even after paying a lot of consumers had still not getting the mark removed from your credit reports and he told me that it would be removed after the whole amount was paid. After doing some research about the company this company has a habit of almost extorting consumers by marking their credit reports and trying to collect debts that may or may not even belong to them, mostly older debts that may or may not have been settled. This claim on my credit report is already cost me up to XXXX points on my credit report for one XXXX score.
Their website is ( www.abilityrecoveryservices.com ). There have been many lawsuits and rulings against this collection service.
|
| 01/24/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/2023 To Whom It May Concern : I am writing this letter to validate a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The following information is required. Please fill out the form below in its entirety.
11. Name and address of Alleged creditor : 12. Name on the file of the alleged debtor : 13. Alleged Account # : 14. Address on file for alleged debtor : 15. Amount of alleged debt : 16. Date this alleged became payable : 17. Date of original charge off or delinquency : 18. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 19. Amount Paid if the debt was purchased : 20. Commission for the debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Ability Recovery Services , LLC the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for Ability Recovery Services , LLC, in case legal action becomes necessary : Date : ________________ Authorized Signature of Creditor_________________________ You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You.
|
| 06/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ability Recovery Service, XXXX XXXX, Owner XXXX, XXXX on behalf of, who is collecting on behalf of was required to notify me prior to, or no later than 30 days after XXXXfailed to notify me about reporting derogatory info. to XXXX, XXXX, In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. First, I never received any correspondence from Ability Recovery Service, XXXX XXXX, OwnerXXXX.
A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. Atty Gen., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ).
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented.
See, e.g., XXXX v. XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) .Please see attached pdf documentation EXHIBITS.
Second the FDCPA ( 15 U.S.C. 1692C ( a ) states Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. Furthermore in the letter sent the name spelled is XXXX XXXX my name is spelled XXXX XXXX. I have no known relationship with these companies Ability Recovery Service, XXXX XXXX, OwnerXXXX, and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent.Also, did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights.Also, XX/XX/XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ), Owner failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
|
| 12/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have repeatedly tried to fix this problem with Ability Recovery Service. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received none of the information I requested.
|
| 06/07/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( SECOND NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) ABILITY RECOVERY SERVICES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : Your office has contacted me about a debt you claim I owe but which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a lawful notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed, and validation is requested.
Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents with my wet ink signature, that prove without a doubt I agreed to pay what you say I owe ; 4. Identify the original creditor, the original date of the account and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process.
I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense.
Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act.
Also, be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as Experian, Equifax or TransUnion, then you must immediately inform them of my dispute with this debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Thank you for your cooperation, XXXX XXXX ; XXXX All rights reserved
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX ending XXXX, XXXX XXXX phone # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX phone # XXXX Account numbers : XXXX {$6500.00} showing paid but I have not ... been in forbearance. Loans opened XXXX.
XXXX {$25000.00} and {$40000.00}, {$54.00}, XXXX shows 120 days past due and shows I am paying XXXX monthly. Loans opened XXXX.
-Spoke with 4 people at this company. XXXX, XXXX, XXXX, XXXX on XXXX XXXX. I explained to them that I was evicted from my apartment in XXXX of XXXX because of a clause in my lease about pest infestation so the landlord cancelled the lease. I am currently living in my car looking for work. I have been denied on apartment applications because of my credit. I would like them to correct this with the credit agencies XXXX, XXXX and XXXX. They all said that their company has a " XXXX XXXX XXXX XXXX, '' and they will not do it. I applied over the phone with XXXX for another forbearance but he said that I may not get it to basically be prepared. However, if you are enrolled in school, military, or active duty service it can be corrected for those people. I feel like I am being discriminated against. What makes those profession better than my profession of teaching? There is nothing in my original loan paperwork than mentions a " XXXX XXXX XXXX XXXX. '' I think that people have life circumstances in which rules can be bent especially after a pandemic.
Ability Recovery Services XXXXXXXX XXXX XXXX XXXX PA, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke to XXXX and XXXX on XXXX. I explained to them about my homelessness situation as mentioned above. They said there was nothing they could do about it. I explained to them that this is a bill from XXXX now showing on my credit. When I went to XXXX that day in ER the lady there said that she would re-apply for my XXXX on the system not to worry. Now this is on my report. I would like them to take this off. I have been on XXXX since my divorce as a single mom since XXXX.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke to XXXX XXXX on XXXX. She said she put in the dispute with the company for me. I explained to her about my homeless situation. This company was someone I rented from before moving to Alabama. ( XXXX XXXXXXXX XXXX in XXXX XXXX, Louisiana ) and I had one month left to my lease and I left early. The reason is that my unit had the entire wall gutted and replaced because XXXX was leaking through the pipes form the apartment above me. They had to renovate everyone 's units there at the time when XXXX XXXX managed the office there. My child was XXXX and so was I from this. There was no instillation when they gutted and I saw rats. It was the worst place I have ever lived for a Section 8. I want this off my credit..
XXXX and XXXX XXXX.
XXXX XXXX XXXX.
XXXX XXXX, SC, XXXX phone # XXXX Account number : XXXX opened XXXX. I spoke with XXXX on XXXX. I explained to her my homeless situation and not receiving my mail. She said she can not remove it from my credit. I would like the negative information taken off my credit file and to make payments on this bill that I can afford.
In summary, I feel that I am being discriminated against concerning my student loans. Also, I feel that these companies should understand my homeless situation and how the credit file affects whether you can find housing for your family. I plan to repay them on terms I can afford but right now I am in survival mode. Companies need to be understanding of this and not so cold hearted.
|
| 12/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA and or NEW JERSEY ; 5. proof of the last payment made on the account.
6. Itemized statement of charges.
7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Thank you for your cooperation,
|
| 06/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I was working with Ability Recovery to resolve a debt issue. It started out good and I did not hear from them. I received 2 calls I did not get a clear message the first time. The second live call I returned the person on the other end extremely rude and unprofessional. Kept hanging up and telling me get a hobby laughing demeaning behavior. Scolding me for correcting the pronunciation of my name. Got me so worked up although the agent that was working with me knows I have XXXX XXXX that also affects my XXXX XXXX. I kept trying to get my rep handling my account. She eventually charged a card used previously for an amount she decided without my authorization or consent as payback. Finally hours later I got another representative that said that a request was put in for a supervisor and they will reverse the charge and report my debt on my credit report. NOTE : We have a verbal agreement if I settle the debt they do not report to the credit bureaus. I have a small balance which the lady used as a weapon to hurt my credit because of her personal attitude. Debt collection is not a weapon it is a form of remedy to a financial breakdown between the creditor and consumer. They should be accountable and held in the same responsible standard as any other firm in this country. With XXXX complaints how can they continue to operate without accountability. Consumer are HUMANS we are not to be treated as animals or objects but as people. They are responsible for maintaining agreements, providing valid information and using respectable forms of communication to initiate, execute, and close situations on behalf of a creditor PERIOD! Disrespectful, demeaning, rogue, mental abuse, cooersion, discrimination should be punishable with fines and operating abilities. Threats are threats and are illegal in any context. Dishonoring an agreement should be held accountable not only in the case of a consumer but for a Collection Agency. My agreement was violated by Ability Recovery and my credit file should not be the Collateral Damage. They need to collect my balance agreed by the form of payment I agreed to and not help themselves to any account of their choice. The abusive agents need to be held responsible for their actions. This has to end. I do not want anyone else to suffer from what is happening to me with this company. A manager is the only one who can resolve this because the representatives seem to have forgotten their roles and it is only on a management level that they will be reprimanded, held accountable, retrained if an option or released if this is not their first formal incident. My voice is my situation but a growing epidemic with Ability Recovery. This is my formal declaration or call to their being held ACCOUNTABLE FOR DISCRIMINATORY AND UNETHICAL practices. I have attached proof with the exception of the others the payment charged yesterday was not agreed, permission not requested when I called later in the day after being hung up and told off earlier I was threatened that the payment will be reversed we will report the entire debt to your credit report. No, I have a right to select the payment method and amount as our original agreement I would pay at least but not less than {$50.00}. The rep. would call me every month for a payment. The rogue rep. who charged the card to spite me is not my original representative. She I will say was professional, informative, surprisingly concerned and treated me as a human.
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Dating back to XX/XX/XXXX, I had signed up to attend classes at XXXX College in XXXX, Ga. However, when I found out that any credits earned could not be transferred because of their non-accreditation status, I had cancelled the registration, which I thought was the end of this. But for years to follow, I had received collection letters from agencies trying to collect on the full tuition. Needless to say, letters of explanations had gone out and no further contacts were received. I even called the school again to remind them that I cancelled my classes before they ever began.
A few years later, on XX/XX/XXXX, I had gone to my PO Box to find a letter from Ability Recovery Services , LLC stating they were collecting on this old frivolous claim. Well, due to my work schedule, I could n't respond right away.
On the evening of XX/XX/XXXX, I received an ALERT from XXXX stating I had a new collection added to my credit file.
On Saturday XX/XX/XXXX, I called XXXX College and spoke to a rep in the billing office to discuss what is going on. the conversation ended-up resulting in a discovery that their employee never updated the records when they should have, and I should have paid an early termination fee of {$110.00}. Needless to say, I paid them the {$110.00}, which allowed the women to update the notes to reflect there was no outstanding balance on the account.
On Monday XX/XX/XXXX, I called Ability Recovery to update them on the information and to inform them on not only the misuderstanding of what happened with XXXX College, but also instruct them to remove their collection notices on my credit file. A copy of the receipt paid to XXXX College was forwarded to them.
In communication with the rep from Ability, I was told they could not and will not remove the account until further investigation is conducted and that it could take a few weeks once they determine whether or not the account is valid or not. And at that point, I reminded them of the penalties that could be imposed for them reporting inaccurate information on credit files, which did n't seem to matter.
On XX/XX/XXXX, I joined XX/XX/XXXX and noticed that Ability Recovery Services , LLC had placed a collection notice on my credit file back in XX/XX/XXXX, which indicated that the account was closed, but still showing an upaid balance of {$1000.00} On XX/XX/XXXX, I opened-up disputes with XXXX and XXXX XXXX XXXX against Ability to have them remove these negative marks on my credit files.
On XX/XX/XXXX, XXXX sends me a noticed indication a change on my credit file. That said, I logged into my account and saw that Ability had flagged the collection as UNPAID, which still shows a negative balance of {$1000.00} ; this mark is shown on both my XXXX and XXXX credit files.
In summary of this, Ability is fraudulently placing collection notices on people 's credit files ( 1 ) without giving them a chance to dispute it, and ( 2 ) keeping collection notices with balances on credit files when proof is provide that the collection is invalid.
At this point, because Ability Recovery Services is falsely report a collection that does n't exist, I am demanded that they remove all collection notices and balance completely off my credit files, and to furthermore, cease and dismiss all collection efforts. Additionally, this company should be investigated for potentially violating the Fair Debt Collection Act.
|
| 04/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
About XXXX XXXX , I contacted Ability Recovery Services regarding a debt that was owed to XXXX University. I spoke to XXXX and advised him I had not received any notices from Ability Recovery regarding the debt. He advised that I would have had 30 days to validate the debt from receipt of notice. I asked since I was not given this time, would I be able to research the debt and make arrangements to pay in full to remove the debt from my credit bureau reports. He said yes. I affirmed that the debt would not be listed as paid and full, but instead removed from all reports. XXXX said yes. I provided him my bank information for payment of {$440.00} which was withdrawn on XXXX / XXXX / XXXX . The debt was not removed. I received an update indicating that the debt was " paid in full '' from XXXX . This was not what we agreed. Below is a timeline and synopsis of what has happened as I tried to reach out to XXXX regarding the issue. XXXX Called XXXX and spoke with a female who advised that XXXX was not in. She advised she might possibly help. I told her XXXX told me the debt would be deleted not updated to " paid in full ''. She indicated they do not delete debts. I told her what our arrangement was. She transferred me to a woman who indicated she was the manager, and the manager rep eated the same. I asked her when XXXX would be in. She advised me to call XXXX / XXXX / XXXX . XXXX XXXX -Called and pressed on to reach an operator. Was disconnected as soon as someone picked up. XXXX XXXX Called and pressed one to reach an operator. Woman answered and said she would transfer me. I was disconnected. XXXX Called and pressed one to reach an operator. A woman answered and said XXXX was at lunch. Advised I would call back in an hour. I was busy at work and could not call until XXXX . XXXX Called and pressed one to talk to an operator. I asked to be transferred to XXXX . This time I connected to XXXX who told me XXXX was not at his desk. XXXX said he can help. I told him the debt should be deleted, and he advised it would just be updated as paid in full. I asked when XXXX was coming back. XXXX said he was looking at his desk and does n't know where he went. I told him I would call back. XXXX Called and pressed one to talk to an operator. A woman advised she would transfer me to XXXX . I was transferred to XXXX again. I asked to speak to a manager. He said he can not just transfer me. I told him I was transferred to a manager without asking for one yesterday. XXXX advised me he can put me on hold and I can wait till one becomes available. I tried asking the name of the manager. He put me on hold and I hung up. XXXX Called and pressed one to talk to an operator. Tried to get manager ' s name from the woman who answered. The woman said it depends on what I want it for. I said to report and employee. She placed me on hold and disconnected me. At this point, I was frustrated and felt it was necessary for me to get intervention. I wish that I was able to get the names of the female employees. I really need help with resolving this issue. I even have a receipt for payment with a code for credit bureau report delete coded cbr delete. This is why I assumed everything me and XXXX discussed would be honored.
|
| 09/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a phone call from XXXX XXXX stating I owe a debt and that I should pay it BEFORE it goes to collections. I denied owing any company any money and avoiding any debt. I asked for proof of debt but she claimed it was sent already on XX/XX/XXXX without me even requesting it. I ask her for proof she sent it because I do n't have it and apparently neither do they have it, as you will read below..
I tried to resolve the matter anyway. XXXX informed me it was a medical bill for a XXXX XXXX Facility on XX/XX/XXXX, that it was " probably a medical group ''. She had no further information. She put me on hold to talk to her supervisor. I had no knowledge of any medical bill from any medical facility prior to this call and considered it a possibility it could be a bill that was a workers compensation claim sent to my job for payment and asked for a debt validation letter.
I hung up with XXXX and consulted the office manager at my job about my comp claim from last year. They do n't have anything on file but if it is indeed their responsibility they promised they will pay the bill. I called XXXX back and told her IF it is indeed a bill from my work incident they said they would pay for it, XXXX explained they do n't have it and it will take up to 10 days to get a copy from the origin of debt and a few more days to get it sent to me from there.
Today XXXX/XXXX/XXXX I received notice that XXXX XXXX XXXX reported a Collections Debt to the credit bureaus. Yet I feel I tried to put the best effort to resolve this matter and they misrepresented themselves to me about " avoiding credit report '' and they still reported it on XXXX XXXX, XXXX which is AFTER my phone conversation with XXXX requesting a debt validation letter they do n't have and ca n't provide yet. Plus, I discovered she is stating it takes more time is then allowed by law to provide me debt validation letter that they do n't have and never sent, nor have proof sent. Both these actions violate federal Fair Debt Collection Practices Act. I can provide and do permit the CFPB the permission to access my USPS informed delivery account which the USPS records all mail sent to my address, either the USPS is wrong or there is no letter. I do not want this information on any of my Credit Reports.
Also, I just contacted XXXX of XXXX as I write this, they will not let me pay them directly. The address they had was wrong ( I corrected my address with them today ), they claim the address they had on file was provided by the hospital, hence never getting the bills or collection letters and explains why Ability Recovery Services cant provide proof they mailed it to me.
I am in distraught because of a spelling and claim error Between the Hospital ( which had all the right info and did get paid by comp ) and the XXXX XXXX XXXX ( which claims received their information from that hospital ) that likely passed onto collections, I am in a situation I should n't be in.
This still does n't excuse Ability Recovery Services violation for reporting to the Credit bureaus without me receiving a debt validation letter or proof they sent one to the correct address. Then requesting an excessive amount of time to acquire one as well. ( middle of XX/XX/XXXX she told me )
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ABILITY RECOVERY SERVICES # XXXXNOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM XXXX ABILITY RECOVERY SERVICES # XXXX To Whom It May Concern This letter is being sent to you in response to a computer generated, INFORMATION and letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
|
| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
See attachment. Inaccuracy number 1. The debt you claim I have shall be paid to XXXX XXXX XXXX not 'Ability Recovery Services LLC ' .
Also, it is against the law for your clients to constantly call and harass XXXX XXXX XXXX and rudely at that.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ABILITY RECOVERY SERVICE XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A. states I have the right to policy.
15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instruction 15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S.C 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681c ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S. Code 1681s2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
|
| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have recently received a copy of my credit report and noticed Ability Recovery placed private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : XXXX XXXX - XXXX ( COLLECTION ACCOUNT ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately.
XXXX XXXX - XXXX ( COLLECTION ACCOUNT ) As the consumer, I did not give any written instructions to have this account reported on my consumer reports. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.
They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company XXXX XXXX XXXX of XXXX XXXX, XXXX. sent me to " collections '' according to credit bureaus over a non-existent account hurting my credit score. No due process was followed, they never contacted me. I definitely do not owe them a penny.
I called the number of this company shown in website here : XXXX : XXXX and the person said that I don't owe anything but they reported me to the credit bureaus regardless and won't fix this. Then she said that they are not related to XXXX XXXX XXXX of XXXX XXXX, XXXX. even though the number of the website shows that company 's name. I dont know what to do.
Supposedly ABILITY RECOVERY SERVICES is acting on their behalf to collect {$64.00} dollars that according to XXXX XXXX XXXX XXXX XXXX, I owe to them. This is absolutely incorrect. I paid all my bills immediately, I don't owe anything to no one.
Also, Ability Recovery Services has no option for a consumer to contact them. The contact info appears to be for prospective clients. So, XXXX doesn't make it easy on me to find out what is happening and why they came up with this bogus claim that I owe them.
XXXX XXXX XXXX of XXXX XXXX, XXXX. and ABILITY RECOVERY SERVICES need to be monitored by Federal Regulators for the following : 1- Causing financial damage to U.S. citizens without any regards to due process. I am trying to renegotiate my mortgage and then this happened!! I can not believe it. I have now a derogatory mark on my credit score record for something that is just not true.
2- Lack of business sound practices, such as producing documentation and communicating with the person that supposedly owes them money and communicating to such person that if no attention is given to the claimed amounts, that they will subsequently proceed with collections. I was NEVER contacted by any of these companies, they just didn't bother. They just proceeded to hurt my credit score and spoiled my chances of renegotiating my mortgage. Had they contacted me, I would have proven to them that their accounting and processes systems are deficient and sub-par because whatever they think they have about me is incorrect, meaning I have not used their services and I don't owe them a cent, nothing.
By common sense, before you send someone to collections you first perform and document the intent to collect the alleged debt. You send letters, emails, make phone calls, leave messages. Many things could have been done and they did NOTHING. Had they contacted me I would have told them how wrong they are, but they didn't give me the chance. I dont even know how to effectively contact them and who in their organization can effectively repair this damage.
3-Having a website with incorrect contact information so people can not easily find out what is going on and why these company have hurt their credit. These companies doesn't provide a clear path to communicate and agree on a solution.
|
| 11/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX university is sticking me with a tuition bill for classes the university administratively withdrew me from. This is a scam and a way to get money.
I began a XXXX with XXXX Uni on XXXX XXXX, 2015. I was shocked to receive an email from the Financial Aid office stating that they will be sending some of my aid back to the US Dept of Ed because I had not been participating in class enough. I was then informed that the university was Administratively withdrawing me from the class. I immediately balked at this assertion. I also asked how the university even knew about my online activity for my class and asked if " big brother '' was watching my clicks and logins. I also argued that the university had no right to take my financial aid and then withdraw me from class. Once the financial aid was sent back to US ED, XXXX stuck me with the bill for the class they had already withdrawn me from. It was the university ( Not me ) who initiated and completed the administrative withdrawal. It clear that they XXXX is using shady practices to commit fraud and get money out of unsuspecting Americans. They know that once they send financial aid back to the US ED, a tuition bill will result. Additionally, how can I be expecte to complete a course that I am withdrawn from? I asked if they were concerned about my clicked and logins to the online class, why didnt someone contact me to see what they issue was BEFORE initiating any adverse action. The university has all of my contact info, name, SSN, address, email, etc and could have easily contacted me about any attendance concerns. Instead, they hastily withdrew me from class without any regard to me as a student. I asked why wasnt I contacted and was told by a staffer that " no one has to contact you, it 's not a requirement. '' I was dumbfounded by that statement. It is clear that this " university '' has very shady business practices and is only concerned with getting money from students ; not in actually ensuring that students get a good college education or even graduate. They are, after all, a " For profit university '' ( emphasis added )! The university has not acted in good faith throughout this ordeal. How could I complete the coursework if I did not have access to the classwork and class assignments after the withdrawal? I still have yet to get a response to that question.
I did a little research on line and found that several other thousands of people have experienced the same thing from XXXX University. So apparently, this is a business practice. This is away they get money ... off the backs of unsuspecting students who are blindsided by being withdrawn. Well, this student is taking a stand and will not allow this faux " university '' to continue to prey on people 's real goals and ambitions to get an education, only to be railroaded by this company. My outstanding tuition bill is bogus and I do not owe it.
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Complaint ID XXXX XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her.
He company responded saying : This matter has been removed from all credit reporting bureaus, as Consumer disputed this matter during the 30 validation period. We have requested the Itemized Bill for Consumer 's review. All Communication with Consumer has ceased. Once Consumer reviews the Itemized Bill, Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you.
Communication has not ceased. On XX/XX/19 at XXXX MST, I got a phone call from XXXX XXXX, she left a message and did not disclose that it was a call from a debt collector, just that she was calling about my XXXX XXXX schooling. I have not received an itemized bill from the original creditor, and the matter was ADDED to my credit last week. Additionally, I was contacted again today XX/XX/19 by another person from this company at XXXX MST.
I want the company to uphold their statement by sending me an itemized bill and ceasing communication. I will only communicate with them via mail. XXXX XXXX is also not identifying herself as a debt collector. I also want this debt immediately removed from the credit bureau ( as stated from the companys response ) as I am disputing this matter.
|
| 10/17/2016 |
No |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I have been attempting to work on my credit for nearly 2 years now. I have been contacting creditors who I owe money to to try to pay what I owe. There are however a few creditors who are attempting to collect money from me that either I do n't owe or am unsure that I owe the amount they state I owe. Ability Recovery Service is XXXX of the collection agencies who say I owe money I am unsure I owe.
Ability Recovery Service popped up on my credit report about a year ago. Well into the process of me rehabilitating my credit report. At first I attempted to dispute the account because The amount they were showing was outrageous. When I received investigation results from the XXXX bureaus stating this debt was " verified, '' I decided to contact Ability Recovery Service. At first I tried simply asking the representative at Ability Recovery Service for an itemization of the charges. However, when he told me that they added a {$600.00} collection fee I was furious.
I argued with the representative as the amount they were trying to collect was {$3200.00} therefore nearly a XXXX of that balance was just a collection fee. Since I was now sure that there was definitely something odd going on with this account I asked for an actual itemization of the debt and gave them my e-mail and my fax to forward it to. I also asked for any original contracts and signatures they had on this debt. That conversation was back in XXXX of 2016. When I did n't get the documentation as I was told I would, I called again. They claimed they sent it. However, because it was supposed to be sent to me by e-mail or fax, I know for a fact that it was never sent as I never received any documentation from them. I even made sure to check my spam folder.
After waiting patiently for documentation that never came, I then decided to send them a written request for validation which I will attach a copy of to you. This was done XXXX XXXX of this year. We are now in XXXX XXXX of 2016 and it 's been 90 days since my original request and XXXX since my written request. Ability Recovery Service has not provided me with any proof of debt yet they are still reporting this on my credit report as a collection. This is a clear violation of collection and credit reporting laws.
Since I have been working so hard for years now attempting to fix my credit I am beyond outraged that this company would collect and credit report a debt they ca n't prove I even owe. If they continue to do so without providing me any proof of debt then my only recourse would be to simply sue them. I am hoping that I wo n't have to go trough a lengthy court case over something which should be obvious to a trained collection agency. Either provide me proof of debt or stop collecting and reporting it. Please assist me in this matter before I have to sue.
XXXX University is the school.
|
| 07/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ability Recovery - a collection agency for XXXX University has been reporting a false debt to my credit report. I applied to go to that university and filled out all the documents per their instructions. They made it seem like I was being enrolled, but then told me they could n't accept my high school transcripts because the state of Indiana sends them electronically and they can only accept official hard copies of the transcripts from the state. After explaining this to them and even conferencing someone from the Indiana Dept of Education on the phone with them, they still said they could not accept my transcripts. They waited until I participated in an online class setting to tell me this. I 'm guessing this was to try to trap me into this debt by saying I participated. That was shady and should be illegal if it 's not already. Now, I 'm stuck with a debt that I have no idea is legal to be there. I never attended their university. They collected my government financial aid, but never accepted me or fully enrolled me. This is damaging my credit report and I will not pay a debt to attend a school I never attended - by their own admission when they said my transcripts were denied. I 've tried to dispute this through all of the credit bureaus, but to no avail. I have spent time and money for shipping costs to these credit bureaus and they are n't able to help me. The blemish on my credit is preventing me from obtaining credit from other places ; including getting a mortgage. I would urge you to request correspondence from XXXX regarding our conversations. They have them in their emails. They explained to me on multiple occasions that I was not fully enrolled because of my transcripts. The amount they 're trying to collect is {$2400.00} and I will not pay one penny to them. I 've been told this wo n't be removed from my credit report until 2023 and that is unacceptable. I do n't understand how a university can fraudulently collect debt this way and they already got federal financial aid in my name, as well. I need help in this matter. XXXX has been underhanded, greedy, and dishonest. Please help. I 'm enclosing an email stating they received an unofficial transcript and them requesting another. This is after I had to pay for the state to send the " unofficial '' ones. You can see clearly in the email that they REQUIRE an official hard copy, but per the state of Indiana Dept of Education, they do n't provide hard copies. I was never fully enrolled according to what they ( XXXX ) say that they REQUIRE hard copies of a document that I never provided. How can they collect on an account that never truly existed? Thank you
|
| 04/16/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
per the last complaint on XX/XX/2022 complaint number XXXX the company stated, " Ability Recovery Services is a third-party debt collector ''. I never gave Ability Recovery Services any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt I owe. I have attached a copy of the debt validation letter, along with the cease-and-desist notice. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Ability Recovery Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Ability Recovery Services any right to collect on this alleged debt. I have never received any documentation requesting validation from Ability Recovery Services, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Ability Recovery Services, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Ability Recovery Services, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Services, continues its collection efforts, I will file for litigation for actual damages caused and Ability Recovery Services, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/14/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I was a full-time student at XXXX XXXX until about XX/XX/2018. In a History of Public Health course, a faculty instructor in fact discriminated against several assignments that were completed in his course. I was graded poorly and this caused me to remove myself from the program.
I was in a course that caused a bit of confusion by their faculty and staff concerning the discipline of online students. I believe that I was being grade unfairly and that the problem internalized errors mistaken by net neutrality. According to XXXX ( XX/XX/2018), net neutrality rules require internet providers to treat all online content the same, preventing them from favoring- or withholding - access to certain websites, services or apps ( para. 2 ). This concept frees the information in the classroom and all other matters that effects the principle to restrict any form of discrimination or interference in the treatment of content.
I have several emails where the actions of the other party at XXXX XXXX have enforced unfair accounts and inaccurate information concerning grading, grading appeals, and netiquette ( appropriate language for online learners ). I went through a formal administrative hearing and based on their decision, I did not feel I was accurately defended in my case or adequately supported by FERPA educational rights. I withdrew from the school without any formality or well wishes from the staff on my continuation to grow and learn with their university, and basically I felt like I was dismissed from the institution.
I have email exchanges with my instructor and all grading components which lead me to believe I was poorly being graded and discriminated against on several assignments that led up to an assignment on a specific racial population. The policy was taken from APA manuals, 6th ed. concerning the detail of anthropomorphism in writing concerning my instructor.
I have communication exchanges with the staff concerning the actions of meeting student responsibilities and requirements to the classroom by administrative appeals. I was also sent a correspondences that shares my public records and information with the university and a debt that I need to pay back. I do not feel my rights have been fairly provided in this matter and the university is in violation or in other attempts for causing a debt.
XXXX XXXX, XXXX ( XX/XX/2018 ). XXXX now has the 'world 's strongest ' net neutrality rules. https : XXXX
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted the Ability recovery inc XX/XX/2023 at around XXXX on a Wednesday this company has a collection on my credit for {$790.00} that I was not aware of when called I went thru prompts to speak with someone which was not easy they don't tell you to press XXXX but I figured that part out and when I did speak to a woman she asked me for my social security number to confirm a account I had no knowledge of I refused to give her my ssn because why would I give my social to someone I don't know or heard of ... I asked the lady who can I speak to who was the company she's collecting debt for she asked me for a account number I expressed I dont know the original creditor to have account number she got snappy and said I need a social security number or account number or she couldn't help me and I do not have an account number because I'm not aware of this company as I expressed to the woman and I was not going to give somebody I do not know or have done business with my social security number especially after she couldn't tell me the company she was a collector for if it is a legit company she could tell me what company she has a collection contract with im aware ppl have more than one but she was not making me feel ease with her responses or she could at least just took my name and my date of birth to find whatever it was that they had on me if they had anything on me so I feel this a scam because I've never received anything in the mail from this company a bill a letter nothing even from the original creditor so to get further help with the matter I asked the lady that I was speaking to to transfer me over to a supervisor or manager so I can see what this is posted on my credit as a collection and the lady stated to me that she was the manager and the owner and that was another red flag to me for a company that's supposed to be a collection agency the first person that I speak to on the phone is the owner and the manager it just didn't make no sense overall the lady was rude and I have no acknowledged of this collection its hurting my score and I just discovered all this trying purchase my first home my credit report didn't have telephone number on the original creditor so I XXXX them and look them up and to my surprise I seen it was a lot of people all over the world have reported this company for putting false information on their credit and I'm just hoping that I'm not one of those victims
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court, XX/XX/XXXX..
Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.
At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
|
| 08/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is a fraudulent company. They are fraudulent, their dealings are fraudulent, they are engaging in fraudulent activities, government should take note.
I was looking for a program to sign up and take classes online. I got XXXX College online. for XXXX XXXX XXXX XXXX XXXX Immediately I called to verify about their program. The guy on phone with me said the price for the program will increase the next day when I told him I was going to think about it and call back the next day. He kept me on phone that when I call back the price will increase that he was going to call me that evening. He called, but was still not ready to enroll. He persuaded me to just sign up with him on phone just for {$10.00} deposit. I said no, but he continued that I have 7 days to cancel. I then allow him. They charge my account {$10.00}, but never refunded as promised. I reported the issue to my bank.
The program was about {$1000.00} that day, that I can finish in less than 2-3 months.
I check the site the next day, the price reduced to about {$670.00} thereabout. I called them to cancel that I was not interested anymore, they promised to reduce the price by {$150.00}, I told them no because I began to become suspicious of their activities and dealings. I wanted to cancel they said no, that they can not allow me to cancel, that I must have to pay them {$150.00}. I did not accept any enrollment. I did not even receive any service, materials, nothing from them. Another person that I talked to said since I didn't receive any service and called to cancel the next day, said that I don't owe anything.
Less than 2 weeks ago, I received a collection letter from Ability Recovery Services LLC to reply, that I owe {$220.00}. That I have 30 days to dispute. This letter is dated XX/XX/2018. On XX/XX/XXXX, my Credit Profile indicated a new item of {$220.00} has been added to my account. less than 3 weeks.
I have rejected this fraudulent bill but they kept calling my phone that I must pay it. I called them, they said is my bill that I must pay it. XXXX College is fraudulent, the Ability Recovery Services LLC is Fraudulent, the government should look into their activities immediately. Please publish this online to prevent people falling victims to their activities, their preys, and their scamming tactics, especially those living out the United State seeking cheap online program in the USA.
|
| 05/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.
Items : Ability Recovery Service Opened XX/XX/XXXX + Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately!
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.
I have forwarded a copy of this letter to the Federal Trade Commission.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX alleges that I signed up for classes with their institution. This could not be further from the truth. I have never been to their website until recently, when Ability Recovery Services , LLC stated that I owed XXXX XXXX an alleged debt of {$1600.00}. I disputed this fraudulent debt with XXXX XXXX and Ability Recovery Services, only to be provided with documents purporting that I signed up. However, I filed all the required and necessary affidavit and reports to show that this is and was a fraudulent account.
Nevertheless, XXXX XXXX is still, by and through ability, attempting to collect on this fraudulent debt. Moreover, they are using a company that is not registered in the State of Michigan as required. Ability Recovery Services , LLC ( a Pennsylvania LLC ), doing business in Michigan, is attempting to collect on an alleged debt, which I have clearly stated is a fraudulent debt. Ability, through the XXXX in PA, sent me multiple documents from XXXX XXXX to validate the debt, but, as I stated, it is not my debt and I have filled out all the required paperwork, affidavits and reports. They are also reporting the fraudulent debt to my credit reports, which has caused my score to drop. They have multiple addresses listed, which I have attempted to send certified mail to their address with the PA Secretary of State, but they have been returned. Ability lists three physical addresses.
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Ability Recovery Services , LLC is not registered with the State of Michigan to conduct business here. I am not saying that they need to be a licensed collection agency, but they do need to be registered with the state in order to transact business here, and they have not. Their website clearly states that they collect in all 50 states, and further claim that they are bonded and insured nationwide. They have never filed for an Application for Certificate of Authority to Transact Business in Michigan, they have no Registered Agent in Michigan, and yet they continue to flaunt the laws of this state and the State of Pennsylvania.
Their illegal business practices need to be investigated at once, so more Michiganders are not put in the situation of dealing with such an unscrupulous company, who willingly, willfully and knowingly violates numerous Federal and State Statutes.
|
| 03/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Todays daye : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICES , LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
|
| 07/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ABILITY RECOVERY SERVICE XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 04/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In review of my XXXX credit report on XX/XX/XXXX, I noticed a " collection '' account being reported by a company by the name of Ability Recovery Services LLC. I do not know who this company is and why they have placed a collection on my credit file. I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights.
* Contract : provide me with a contract agreement between Ability Recovery and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc.
* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). * Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted.
Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).
Furthermore, the Fair Debt Collection Practices Act Regulation F effective XX/XX/XXXX, does not give you the right to report a Collection on a consumers credit report without prior notification! The following action must be taken before you can report this erroneous item to my credit file : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer.
YOU HAVE BROKEN THE LAW! YOU HAVE NOT DONE ANY OF THE ABOVE AND I DEMAND THAT YOU REMOVE THIS ILLEGAL ITEM FROM MY CREDIT REPORT IMMEDIATELY!
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ABILITY RECOVERY SERVICE XXXX XXXX {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICE OpenedXX/XX/XXXX {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 12/30/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debt with ability recovery services, they have yet sent ant validation as required by 809. Validation of debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
I would like also to address that Ability Recovery services is in violation of Oklahoma laws as well, Oklahoma laws requires that a business such as collection company must register with the : Oklahoma Secretary Of States and/or have a registered agent - in which Ability recovery service has not and does not, Ability Recovery service can only collect, and do business in the State of Pennsylvania, IF Ability Recovery services would like I will bring these issue up in small claims court, I would not like to file in court but they are forcing me to, so to make clear if filing in court is my last option then I will, at this time cause I have dispute with out response several times I know can file in court the same as I have done against Account Resolution Services, please find there court case attached. I will Give Ability Recovery Services Until, XX/XX/XXXX to remove there trade line name before I file, but once I file I will let court make there decision, with no settlement option.
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
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.
Extremely unprofessional debt collection entity and I want this resolved so that I no longer have to deal with this company.
|
| 05/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am constantly receiving communication from Ability Recovery regarding an account through XXXX that should not be reporting to my account. Ability reports that I owe from them returning funds however there is no contract from the beginning stating that I have a contract through this company. I applied for financial aid and this was covered. As reported in a previous report I was given more than what I needed. I never signed a agreement with this school so in no way should this agency continue to report to credit bureaus. I have attempt on many occasions for this agency to provide validation regarding this However this has not occurred yet. I recently completed another complaint and Ablility failed to provided the information request by running numbers. In the complaint it was even mention about emails and that they would be attached but this did not occur. This agency has fail to validate and this is against the FCRA. Ability Recovery is currently reporting as a UNSECURED LOAN to the credit bureaus. Again no contract, signature has been provided to confirm this information. AGAIN this is a violation of the FCRA. I have proof from my student loan agency confirming that the funds were not return on behalf of XXXX so referring this account to a collection agency as Ability is a violation. My previous complaint with the agency is XXXX. Again as mention in the previous compliant based on the statute of limitation in SC this company is legally not able to continue to contact me after three year. The limitation has been reach even though none of the reporting debt has ben verified or validated as mines. I am currently working with an attorney working to get this case in court based on the many violation this agency has committed. This will be my last and final attempt to give this agency a chance to removed and delete from all credit bureaus before finalizing legal actions. The proof I currently have confirming the funds that Ability Recovery states in complaint XXXX were return were NOT return and are included in my legal action. I will not stop until this matter is handled. This is the last of many attempts for this agency to validate the debt or delete all accounts from all credit bureaus. At this time I will attach proof of this account being falsely reported as a unsecured loan to the credit bureaus.
|
| 06/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX ABILITY RECOVERY SER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
|
| 06/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ablty Recvry Opened XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Ablty Recvry Opened XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of Identity Theft and was reported back in XXXX XXXX I have been in the XXXX since for the past 2 years and the IRS got a hold of me and told me I have been a victim of Identity theft, they were the one that caught it. I have reported this to IRS, Social Security, Identytheft.gov . FTC, XXXX Credit Bureaus, the local sheriff department, and much more. It has been an ongoing thing ever since and evidently it has also screwed up not just my credit report but also my background. Now I have been trying to fix as much as I could on my Identit y, and one was with my credit. There is one company that has put me on collections and put me on derogatory mark on there. I have reached out to them several times trying to let them my situations. Th e company is called ABILITY RECOVERY SERVICE XXXX XXXX XXXX XXXX , PA XXXX Phone number : ( XXXX ) XXXX , thats the collections agency and the original debt was towards a college, called XXXX XXXX . They said that the account was opened on XXXX XXXX , XXXX . They did not provide any account number or anything.I have spoken to them numerous times I have explained my situation and all they have said was they can not remove my account out of the credit report and forcing me that this is my account. They told me to get a police report I hav e a sheriff department to make my report because in my area that is the jurisdiction on where I live and not police I did go to the police department and they told me to go to the sheriff office. Again they did n't tell where to submit my documents and also they have been so ride and make degrading remarks. They finally got fed up listening to me and they got mad they said I was yelling an d screaming hen all I was doing was explaining myself in a nice civil manner and they hung up the phone. Then when I call back they just dont pick up and forward me to a voicemail. I have been harass from these people put down an been degrade talked down too. I feel I dont deserve that kind of treatment, especially for something I dont know nothing about, I am trying to clear my name and make things better for me. I am a single mother of XXXX kids, and I cant get anything because of these people. Please help me if you can not hep me please send me to someone who can thank you so much.
|
| 06/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} +Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a
debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious XXXX XXXX Opened XX/XX/XXXX + {$2100.00} +As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 11/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah.
On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe.
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX.
As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files.
In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt.
A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it.
This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.
|
| 08/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
For months, well before XX/XX/XXXX, I have been receiving multiple, harassing phone calls from a debt collector named Debt Recovery Solutions. For a while this company was calling several times a day, rudely demanding for a " XXXX '' to speak to, leaving long voicemail messages with loud background noises. As I believe the debt in question is over 7 years old & no longer valid. However i have seen several companies re-open a dept before it hits that 7 year mark. After months of my phone constantly going off, I sent a Certified First Class letter to DRS asking them to provide validation of the debt. The letter was mailed XX/XX/XXXX in XXXX, Texas to DRS 's address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The letter was delivered XX/XX/XXXX. XXXX XXXX # XXXX I waited for the required 30 days for the response from DRS. However none was ever received from DRS. My understanding at this point is that the company could not verify the debt & dropped the case. In this letter & I told them to cease the all phone calls & voicemails. This did happen for a time, it started happening again after about a week after the 30 day response time ended. I continued to ignore these calls as I do not have the time to answer multiple calls from a company that is harassing me.
I also checked my credit report to notice that DRS opened up the same debt amount under another time frame to keep the debt on my credit report. This is not the first time I have seen this happen from this company or several other companies that claim debts.
The harassment from DRS has started again in the middle of XXXX. Since then, I have been trying to get to the bottom of this harassment & I have begun to answer a few calls to see if it is DRS. Since doing so, I have been told that Im stupid & a hog. Both of which I'm not & am considering their name calling a verbal assault.
Then today XX/XX/XXXX XXXX I got a phone call from XXXX & say hello twice. Then the phone rings several times & am i transferred to a women who answers " Debt Recovery Solutions ''.
I want to formally submit a complaint of harassment for Debt Recovery Solutions. As they have repeatedly ignored me asking them to cease & desist their phone calls & verbally assaulting me.
|
| 08/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I would like to file a complaint of conduct for the debt collection agency, Ability Recovery Services, for their inability to follow legal requirements of providing a Debt Validation Note and/or effective communication through phone call or in person about the debt under the current FDCPA policies.
According to current FDCPA regulations, debt collection agencies are required to provide possible consumers in it's first line of communication with the following information : 1. The amount of debt.
2. The name of the current Creditor to whom the debt is currently owed to.
3. A statement unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.
4. A statement that if the customer notifies the debt collector in writing within 30-day period that the debt, or any thereof is disputed, the debt collector will obtain verification of the debt or a copy of such judgment against the consumer and a copy of such verification or judgement be mailed to the consumer of the debt collector, and 5. A statement, upon the consumers written request within 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from current collector.
If the initial communication doesn't have this information the debt collector has 5 days to provide this information.
Under current provisions, this debt collector, Ability Recovery Services has failed to even provide any initial communication. I have no record of any phone calls, voicemails, in person notification, physical or digital mail for this agency about the debt that showcased on my Credit Report from the XXXX credit report agency.
My first acknowledgement of this debt was through my credit report and my XXXX XXXX account under Derogatory marks.
The total amount reported on my Credit Report for XXXX is {$1400.00}. The debt was reported on XX/XX/2022.
According to current policies, they would need to have spoken to me in first initial contact, and then send a Debt Notice, and allow 14 business days after the notice is sent before reporting to any credit agency. I have no record of this.
|
| 11/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.
|
| 10/23/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Re : Account # XXXX Dear Ability Recovery Services OnXX/XX/2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX, verification requires all of the following : 1 ) Proof of my agreement to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor ; 3 ) A breakdown of the total amount due, showing principal, interest, and other charges ; and 4 ) For all other charges, the date of and the basis for each charge.
I dispute this collection because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, I have disputed this account with you numerous times and its still reporting on my credit report XXXX and XXXX.
Ability said that they deleted the collection but after waiting more than 14 days this collection is still reporting. That is a violation. I will have no choice but to report your company to the FTC if this collection isnt deleted off XXXX and XXXX in 30 days.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section 5-77 ) require that you honor this request.
Sincerely, XXXX XXXX XXXX Cc : Ability Recovery Services Federal Trade Commission Consumer Response Center XXXX XXXX XXXX Department of Community Affairs
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Any creditor to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. All accounts in dispute listed below : Ability Recovery Service XXXX XXXX XXXXXXXX XXXX PA XXXX
|
| 08/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Ability Recovery Services contacted me on XX/XX/19. the representative did not disclose her name, company name, the recording of the call, or mini-miranda. She asked if I could make a payment and I stated no. She then hung up. I called back and requested to speak to a supervisor. I was hung up on. I called again and made the same request. I was told I needed to find something better to do and was hung up. I called back and repeated my request a 3rd time. I was told that just because i was a collector ( untrue ) I didn't know all the laws and was hung up on. I called again and the same request for a 4th time. I was told supervisors and managers were unavailable and was asked why I needed to speak to one. I informed the rep that I had been called earlier and not mini-mirandized and the rep had not identified herself or her company. The rep stated a supervisor or manager would call back within 48 hours. Ten days later, I have still not received that call. Ability Recovery Services violated the FDCPA.
A complaint with XXXX was filed.
Re : Complaint ID XXXX ; Ability Recovery Services LLC Dear XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days.
The text of your complaint may be publicly posted on XXXXs Web site ( XXXX reserves the right to not post in accordance with XXXX policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language.
Sincerely, XXXX XXXX XXXX MESSAGE FROM BUSINESS : This matter has been placed in a properly disputed status, along with credit reporting bureaus. The Compliance Department has been advised to pull all recordings for this matter and address the collector for reprimand and retraining. Our office will have a Supervisor contact to assist Consumer in resolving this matter. Thank you
|
| 09/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The purpose of this letter is to inform you that I disputing my debt with Ability Recovery Services XXXX LLC of {$2000.00}. The debt that I owe originated from XXXX University XXXX " the School '' ). The reason why I am disputing this debt is because my outstanding debt to the school is {$1600.00}. However, upon receiving a collection notice from the Ability Recovery Services XXXX LLC ( " the Company '' XXXX, the outstanding debt increased by {$400.00}.
On XXXX XXXX, 2015, I spoke to XXXX XXXX XXXX a representative of the Company to request the actual amount I owe to the School. During my conversation with XXXX XXXX, I informed her that the collection amount sent to me was incorrect and that I was told by the School to ask them how much they were charging me over and above my outstanding debt. XXXX XXXX 's response was that her company was not going to disclose that information as I did not have a need to know about my outstanding debt and that the Company had a right to profit off of me. After writing the attached letter to the Company on XXXX XXXX, I received an Account History Report from the Company on XXXX XXXX, which I have included.
There are few issues that I would like investigated. The reason for the investigation is that I believe the Company is conducting an unethical business.
The XXXX item I would like you to investigate is the excess charge of {$400.00} over and above my outstanding debt with the School. The XXXX issue deals with the threats and harassment by XXXX XXXX. XXXX XXXX became threating and started harassing me during the conversation in which she told me it did not matter that I was working with the School as they were going to report my outstanding debt to the credit bureau regardless of the efforts I was taking to address my debt. At that point, I asked to speak to a manager and was not allowed to do so. In fact, XXXX XXXX told me that was not going to talk to me and that they had no reason to do so. She proceeded to hang up the phone on me.
In closing, I am still striving to work with the School to see if we can settle my outstanding debt and set up payment arrangements.
|
| 09/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
After several attempts of trying to legally communicate and validate a debt that Ability Recovery Services is trying to collect they are negligent and less than professional in responding to the issue.
Ability Recover Services has reported to my credit report without validating a debt they purchased. It has come to the point that it is just harassing them avoiding the issue then dealing with the matter.
They are using a false instrument 'contract ' which does n't contain my signature. This contract also is a contract for a period of " 2 '' months. There report to the credit bureau 's state the XXXX delinquency as of XXXX/2014.
1. I have provided proof of payment for months including the month XXXX/2014 they claim late as report to the credit bureaus.
2. I have fully satisfied this contracts " 2 '' months agreement and vacated premises before XXXX/XXXX/2014 with proof of payments3. Within the contract " Customer agrees to all terms listed below '' must give 10 day notice in writing before vacating ... Please provide a copy of the letter I submitted.
4. Provide me a real document containing my signature " XXXX XXXX ' not someone else 's signature.
I will advise you at Ability Recovery Service to run your business in a professional manner, you on going XXXX word replies and being stupid are getting rather lame to me. Please provide FACT proof to your so called collection or get it off my credit report.
I have submitted documents with this complaint ; 1. The false instrument 'contract ' you submitted to me that does not contain my signature.
2. Receipts of payments for the debt you 've reported to the credit bureau 's ( receipt XXXX XXXX rent ) Paid3. Copy of Credit report for the month of delinquency XXXX/2014I have validated your claims " invalid '' and have satisfied this money you so called seek with the information above. I will not submit anything with my real signature to you to avoid anymore fraudulent activity.
My signature proof will be submitted if need be to the Attorney General with such item 's as:1. car registrations2. Checking account checks3. Deed to home purchase
|
| 08/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$1600.00} or my account was charged off ]. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : Better Business Bureau
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I applied for XXXX University because I was working in a school and I need l CertificationXXXX. The admissions person ( XXXX XXXX XXXX XXXX ) reassured me that their program was accredited in XXXX XXXX XXXX I had just moved to XXXX XXXX from XXXX XXXX so I trusted she knew what she was talking about. After completing and paying for one class with my finical Aid I discovered that XXXX University Education program was not an accredited school in XXXX XXXX. I was advised to withdrew ASAP and I was told my funds would be returned to Finical Aid and I was told I should have a bill, but then I get hit with a collection on my credit. Please see below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Financial I withdrew from the university XX/XX/2018. please return loans to Department nof Education ASAP. Thank you On XXXXXXXX XX/XX/2018 at XXXXXXXX XXXX Financial Aid XXXX wrote : Hello XXXX, Thank you for contacting the XXXX University Office of Financial Aid. I am just following up on our phone call. Please send me back a quick message requesting cancellation of your XXXX awards and an update to the XXXX. As soon as I receive your email I will send the case over for review. If you have any further questions, please feel free to contact us at XXXX or XXXX ( XXXX ) and follow the prompts for financial aid. Have a great day! Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-free : XXXX Fax : XXXX XXXX ** Please remember to monitor your email regularly for updates to your financial aid account. ** ref : XXXX : ref -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( cell ) XXXX ( home ) Support Bot XXXX XX/XX/2018, XXXX XXXX Hello XXXX, Sorry, but could you please send a new email requesting that they cancel the remaining award and update the XXXX? The wording is important here. - XXXX XXXX XXXX XXXX XXXX XX/XX/2018, XXXXXXXX XXXX to Support Effective XX/XX/2018 please cancel XXXX awards and an update to the XXXX. -- XXXX ( cell ) XXXX ( home )
|
| 08/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom It May Concern,This is in response to CFPB: XXXX requesting for a police report and stating that my affidavit is not sufficient enough. Also, I still have not received any information I have previously requested for validation purposes.Your company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportinStating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block; c) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed [or request another specific change] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in questionPlease send me all document regarding such record, court documents] supporting my position.] Please reinvestigate [this/these matter(s)] and [delete or correct] the disputed item(s) as soon as possible Thank you.XXXX, XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 11/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery services have created a derogatory account on XX/XX/2019 and XX/XX/2019 according to XXXX. On XX/XX/2019 I have sent them, through mail, a letter explaining why I believe that the debt is not owed by me. The company has not responded to the letter. You can also note that there are multiple lawsuits against this company, with the complainants winning their lawsuits.
The letter was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2019 CERTIFICATE OF MAILING Ability Recovery Services , LLC XXXX XXXX XXXX XXXX, PA XXXX Re : Your Abusive and Malicious Conduct Dear Sir/Madam : I am disputing the alleged debt to XXXX XXXX. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge.
I dispute this debt because I do not owe this debt. As someone who currently attends University XXXX Pennsylvania XXXX XXXX, it is highly unlike that I would attend XXXX XXXX, a school that is often attended by those without high school diplomas.
Because I am disputing this debt, please notify the credit reporting agencies that the debt is disputed and delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 15 U.S.C. 1692, et seq.
Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request. 47 U.S.C. 227, et seq. Thank you.
Sincerely, XXXX XXXX
|
| 01/22/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Subject : Formal Notice of Violations and Request for Remediation Dear Ability Recovery Service, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Ability Recovery Service has handled my credit information.
It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.
Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.
I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.
Moreover, I insist on Ability Recovery Service providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.
This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights.
I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Done in good faith.
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ability Recovery Services, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, XXXX, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by Ability Recovery Service with a last report date of XX/XX/year>, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/year>, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice.
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from Ability Recovery Service, where there is no clear permissible purpose under the FCRA for accessing my credit report.
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws.
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action.
Thank you for your prompt attention to this matter. I await a timely and compliant response.
Sincerely, XXXX XXXX XXXX
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I sent the following letter to Ability Recovery Services disputing a collection account that showed on my credit report for a debt that I did not recognize.
XX/XX/XXXX ATTN : ABILITY RECOVERY SERVICES , LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX Dear Ability Recovery Services, I am responding to a collection notice from your company that is reflected on my XXXX credit report.
I do not recognize this claim and do not believe I am responsible for this debt. Please provide me with written documentation via mail at the address below to validate this purported debt : An itemized statement showing the amount you claim I owe.
A copy of the written agreement or contract I signed relating to this purported debt.
Proof of the last action taken on the account.
Proof that you are licensed in the state of XXXX to pursue this debt.
Kindly suspend all further collection activity until you are able to validate the above-referenced claim.
Thank you. I will await your reply.
SINCERELY, The letter was sent via certified mail and receipt was confirmed on XX/XX/XXXX. In response, Ability Recovery Service sent a photocopy of a letter dated XX/XX/XXXX that stated : As per your correspondence, please find the information that you have requested. After reviewing please contact me at ( XXXX ) XXXX. '' The second page included a print out of an online college application. There was nothing that showed that I had any type of monetary account, no proof that the debt existed, and no itemized information on the activities they have taken on my account. In fact, there was nothing dated within the receipt time frame requested in my XXXX letter. I also disputed the collection account with XXXX.
Instead of removing the debt after failing to provide the information to validate the debt, they reported the debt again with XXXX. I was told that I would need to file a new dispute from XXXX in order to have the duplicate account removed. Presently, I have not received a response dated within 30 days of when my letter was sent.
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX / XXXX / XXXX I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC. and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On XXXX / XXXX / XXXX I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On XXXX / XXXX / XXXX I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On XXXX / XXXX / XXXX I call ed Ability Recover Services Again, Talked to the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over
|
| 10/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ability Recovery Services is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the three credit bureaus ( XXXX, XXXX, and XXXX ) is incorrect.
The company states they are collecting on behalf of XXXX XXXX Department. The accounts that Ability Recovery Services are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX Emergency Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX Emergency Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile.
In an attempt to help this matter, I provided documentation to the Gainesville Emergency Department showing that I was covered 100 % during the service dates. The XXXX Emergency Department agreed and confirmed this information upon receiving copies of my approval letters. The XXXX Emergency Department said they would forward the information to Ability Recovery Services. I have called several times and Ability Recovery Services have said that they are not sure if the information have been received and was not sure ig if corrections were applied yet. I took it a step further and decided to send the documentation via certified mail to Ability Recovery Service myself.
I feel this is unfair and I would like this fixed immediately. I want to ensure that Ability Recovery Services corrects this error, remove this information, and cease reporting this incorrect information to all three credit bureaus.
I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.
|
| 02/17/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015 I enrolled in a online course through XXXX University. I enrolled in this class with a Federal Student Loan Credit. It was a Direct Unsubsidized Loan. XXXX XXXX XXXX did not provide for any other means of payment for the course, other than this student loan. According to the student loan, the student must be enrolled for a certain amount of days for the loan to pay off. I withdrew from the course on XXXX XXXX, 2015. The financial aid office was aware of this ( the payment date of the loan ) ; they made me aware of this. Still, they made no further provision for payments. The days of which I participated on-line was to be paid through financial aid. It is my understanding that I had the jurisdiction to withdraw without penalty/payment expected, because the payments was set up under the guidlines of the rules of the U. S. Dept. of Education Federal Student Loan. And no other provision was expected, nor signed for. XXXX University has placed a debt of {$910.00} on my credit report and I deny that this is my bill. I believe that this should be removed from my credit report. With the exception of the weekend days, I only had less than 10 days of on-line opportunity of which to work on line for the course. XXXX was aware as to when the student loan was to pay off and did not request any payments for the days prior to the payment from the student loan company. They did not make this request at the time of registration and should not be allowed to do so after the withdrawal. The instructor kept complaining that I was not submitting my work in the proper format that he could receive it. I tried many times to correct this issue and it did not resolve. Therefore, this online course was not appropriate for me and there was not a need to waste the Federal Student Loan. I have discussed this issue with the financial aide office at XXXX University many times. I have discuss this situation with the credit reporting agency - XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX - via a response mail.
|
| 06/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection Agency : Ability Recovery Sercives LLC Original Debt Holder : XXXX University Written Notification Complaint # 1 : I have received numerous bills in the mail ( last one dated XX/XX/XXXX ) about a {$2600.00} debt thats supposedly owed to XXXX University. I have asked the collection agency ( last phone call on XX/XX/XXXX ) to send me an itemized bill. I have NOT received a bill. A representative for Ability Recovery Services LLC told me during a conversation on XX/XX/XXXX, that I had previously requested a bill and should have already received the statement in the mail.
Just recently, I was told by a representative with Ability Recovery Services that it would take 30 days to receive the bill and that her company policy requires that she receives the bill first, then she will send it in the mail to me. If the bill was previously requested by me and sent to me, why doesnt the collection agency already have a copy of the bill to forward? The 30 day waiting period is ridiculous.
False Statements Complaint # 2 : It has been reported to all three credit bureaus that I have defaulted on a loan thats in the amount of {$2600.00}. The original debt holder is reporting a different amount. There is a massive discrepancy in the amount being reported by XXXX and Ability Recovery Services.
Communication Tactics Complaint # 3 : Ability Recovery Services LLC rep XXXX ( last name ) was extremely unprofessional. He hung up on me while I was requesting an itemized bill. Told me that he didnt want to waste his time sending me the itemized bill because he knew I wasnt going to pay it. He took a prejudice/bias accusatory stance by stating your not going to pay this bill anyway, so why did you call.
After being hung up on, I called back and XXXX hung up the phone again, after I requested to speak to a different collections rep. Again, refusing to accept my request for an itemized bill. I had to call back a third time to talk with a professional collections agent.
|
| 10/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX To whom it may concern : I need assistance from your agency.
I recently obtained a copy of my XXXX credit report, and I saw where a collection agency, named Ability Recovery Services LLC, has placed a fraudulent {$64.00} medical collection onto my credit file.
This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine.
I do not owe this fraudulent debt, and I want it immediately removed from my credit files, FROM ANY, AND ALL credit bureaus that they have placed it on.
About 8 years ago this collector did this same thing through XXXX, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known.
This collector has placed XXXX XXXX onto my credit files, for a deceased person, a XXXX XXXX, along with addresses that I do not know, nor have I ever lived at.
They have had XXXX to add a XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to my credit file.
I have never lived at this address, and I want this fraudulent address information removed from my credit files, as well.
If your agency can do something about this collector who does not even verify the fraudulent information that they ruin peoples credit with, it would be greatly appreciated.
On top of damaging my credit with debt that isnt mine, they are also breaking Texas statute of limitations law.
They claim that this debt from whomever became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX.
I want this collection agency to remove my name and information from their agency files, and I want hard copy written proof that this has been done.
As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that, that has been done.
cc : Attorney XXXX XXXX cc : The Federal Trade Commission
|
| 01/09/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX Ability Recovery Services XXXX XXXX XXXX.
XXXX, PA XXXX Subject : XXXX University, XXXX Outstanding Balance- delayed XXXX completion XXXX UNIVERSITY XXXX ID # XXXX I am writing to dispute the subject debt. Please provide a verification of the debt and related details as required by law. 809. Validation of debts. I enrolled in the XXXX program XXXX and continue affiliated with XXXX XXXX program. This debt appears to be " old '' and not longer applicable. Approx. $ XXXX {$10000.00} is now being demanded before even being allowed to graduate with my XXXX after completing coursework thru dissertation stage. I am a low income mature citizen with chronic medical 'challenges ' on a fixed income/pension.
Also, I am disputing the debt and efforts to collect because I feel that Ability Recovery efforts violated provisions of the United States XXXX provision the Fair Debt Collection Practices Act ( FDCPA ) in XXXX including 806. Harassment or abuse -- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
Your efforts and XXXX University have oppressed and abused/delayed my seven year efforts to complete and graduate with a XXXX XXXX XXXX XXXX XXXX.
I have been denied employment, housing, a peaceful enjoyment at various residencies and continue to suffer attempts to publicly humiliate, XXXX, XXXX and age related domestic terrorism. I am taking legal action as a consequence and hope to resolve matters with XXXX University and your firm to expedite the process.
I hope for a rapid response and can be reached at XXXX XXXX XXXX XXXX and/or the address above.
Regards, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID # XXXX CC : XXXX XXXX XXXX XXXX XXXX University
|
| 04/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, Ability Recover service, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). Please cease and desist all calls and contact with me, immediately. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
|
| 11/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Date of Service : XX/XX/2013 Amount Owed : XXXX Since XXXX I have been trying to have this erroneous reported debt removed from my credit report. It has had adverse affects, especially at a time when I am trying to get a home loan.
I was part of the hospitals financial assistance program and my date of services was XXXX out and covered by the program : XXXX.
The hospital sent word that : " Ive just heard back from XXXX XXXX. Theyve confirmed that the account has been closed from ARS ( Ability Recovery Services ) per the financial assistance approval. They have also removed any derogatory credit reporting that was done as a result. '' Yet when I contacted the credit bureaus recently, they say the removal happens immediately once it has been reported and it has not been removed.
I feel I have very little control over what is happening to my credit. The credit bureaus don't care about the proof I have submitted or what I have to say or what the hospital has to say. They only want to take the side of the creditor which is a 4th party at this point. I can not live with this type of unnecessary stress and now am having negative repercussions for something that never should have been sent to collections and on my report to begin with.
The hospital has been amazing and has done all they can do. I am extremely impressed and thankful for their help. This is now up to Ability Recovery Services to remove this account from my report immediately. Not when they feel like it, but immediately.
I'd also like to send a complaint about the bureaus for not performing proper investigations into this and for not accepting the word of the hospital and proof I sent in. This could have and should have been handled immediately once they received all of these documents. They also refused to contact Ability Recovery Services. So tell me, how can they perform investigation on disputes without proper communication?
Thank you in advanced for your help in this matter.
|
| 10/14/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 02/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I attended XXXX University in XX/XX/2015. I eventually dropped out of classes. While in classes I used federal student loans to cover my courses. However XXXX University now has a collection agency Ability Recovery Services reporting I own a balance of {$3200.00}. At no point did I have a contract with XXXX University for them to now report to the credit bureaus stating that I owe them any money. I attempt to complete this issue with XXXX as well as Ability Recovery but I still have not recieve anything stating that I directly own them any money. I am currently passing my loans back including XXXX through XXXX XXXX, the student loan company that I have been working with with all of my student loans. On top of XXXX and Ability Recovery not being able to provide validation of a contract that I had directly with them they did not return the funds back to XXXX services that originally was posted to my accounts for course in advance. This has still not been explain. This is an account that should immediately be deleted from all three credit bureaus. The actions that XXXX has taken is illegal and Ability Recovery as a collection agency is in the wrong for not having the proper paperwork as well also due to I never I completed a contract with them so at no time should they be contacting me regarding any debt. Further more based on the statute of Limitation in South Carolina the limit is three years for collection of debt. Even though there is no validity to this debt above is another reasons as to why I am requesting this debt be removed from all three credit reports immediately.
Attach I have a statement from XXXX services confirming that the funds were not return. This is against the law and XXXX or Ability Recovery is able to explain but they are requesting funds from me that finiancial aid would have covered, which I why Im currently making money payment with a legitimate student loan agency, XXXX XXXX.
|
| 06/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ABILITY RECOVERY SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from ABILITY RECOVERY SERVICES LLC. I am not responsible for this debt with ABILITY RECOVERY SERVICES LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
|
| 10/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recover Services, LLC has repeatedly reported to the XXXX credit bureaus that I owe a debt that was paid to the original creditor by insurance. I have called them 4 times to resolve the issue and after they stated they would remove the debt from my bureaus, it has now reappeared on XXXX. When I call them to ask them why, they tell me that I " probably '' still owe the amount even though they have sent me an invoice that shows it was paid by insurance to the original creditor. The original creditor submitted an invoice to me that shows that it was paid as well as their payment company, XXXX. My last communication with Ability Recovery Services was today XX/XX/2016, over the phone where the Manager stated to me that I needed to speak to the person who is handling the account who is under here and that she believes that I still owe the money even though there are " paid '' invoices on file. When I tried to explain to her that I had received an invoice from the original creditor as them showing that there was a XXXX balance, she put me on hold for over 20 minutes. I have sent this company a request for validation of the debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g SEC. 809 ( b ) by USPS mail with signature required delivery but they have not responded to that request. They have only sent a generic letter or verification which ironically had the invoice that shows the debt was paid. On XX/XX/2016 their representative XXXX stated that the error would be removed from my credit reports and that it would not be put back on them. On XX/XX/2016 I received a notice from XXXX that the debt was placed back on my report by Ability Recover Services LLC. To date, they have continued to tell me that I need to contact the credit bureau 's and dispute with them and the credit bureaus tell me that I need to call the company that is reporting the negative file to have it removed.
|
| 06/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This will be my third complaint submitted regarding this company. XXXX XXXX XXXX, a credit agency working behalf of XXXX University. In my last complaint I explained how the information provided was inaccurate. I requested that the information regarding a collection account on my credit report reporting negatively be validated. Until this day this information still has not been done. The company however did send a letter that I will have attached to this compliant. This letter states information that AGAIN I want to VALIDATED. Due to the lack of cooperation with this agency I went to the source. My XXXX provided to get them to validate the information. This could not be done. Due to XXXX services not being able to validate this information this loan along with other loans have been deleted from all three credit bureau. I will provide a copy of the deletion from XXXX credit bureau to this complaint. If this was case that XXXX services could verified and validate I would cooperate with the company how this could not be done. At this point and time I am considering the actions by Ability Recovery Services and XXXX University as harassing and will continue to go as far as needed to settle this matter. I am currently working with my attorney to see what is needed to take this case to court if this account is not delete from my credit report. This company has failed to provided the necessary information and the main source of their information XXXX has step up and deleted the account from all credit bureaus due to it being inaccurate.The company is reporting funds were returned to XXXX XXXX however XXXX XXXX has deleted this account along with other due to inaccurate information. I will allow 30 days for this company to respond appropriately by deleting this account from my credit report. If this action is not taken I will move forward with the next step in the legal process.
|
| 08/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have made complaints on ability recovery service for not validating my debt they say they have but have not provided break down of cost or any contractual agreements or even a hippa release and nothing was done but this compliant is about something much worse they have deceived me 3 times now first time I called I was told there was no debt attached to my name the second time was when I called them back and let them know the new law passed will remove all medical debts below XXXX from credit reports they tried to convince me that wasn't true witch is lying to me to get me to pay a debt witch is illegal and a violation subject to XXXX $ fine and when I got their response back today I found out not only have they hid who bought the debt they also have a false company that doesn't exist anywhere any my credit report witch the fdcpa clearly states only accurate info is to be reported the alleged debt came from XXXX XXXX but is listed on my credit report as XXXX XXXX XXXX witch they told me they represent then just today I found out the true debt buyer was XXXX XXXX so now you know they have decived me multiple times have failed to give me 30 days to validate or show any contratual agreement or hippa release to validate anything reported inaccurate information hid the real debt collector and lied to me about the law if this isn't enough to fix this problem then no one is even trying at this point and you know they are lying due to seeing my first compliant and thier response naming a whole new debt collector it's all there I have also submitted a compliant the the XXXX and sent a validation letter to the company so we will see what supporting documents the really have ( I doubt any at all ) I will submit complaints on XXXX to if I have to but I would like the ones who lied to be and violated the laws to do what's right after being so unprofessional
|
| 04/13/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
This is my 3rd attempt with filing against this company for blatantly placing an item on my report when they did not in fact send me a dunning letter prior to placing this erroneous, inaccurate item on my report. By law I was supposed to receive a letter from them and then I would have had 30 days to dispute the validity of the account. In their previous response they indicated that they sent me a letter. Why then did they not attach the letter to their response. They then went on to state that they mailed a letter on XX/XX/XXXX. As of today, I have not received any correspondence from them. I am escalating my complaint to the FTC as well as the Attorney General and BBB. This company has and continues to violate my consumer rights. I sent this company a letter in XX/XX/XXXX ( see attached ), certified with return receipt requesting the following ( all of which validates a debt in the state of Texas ) : Proof that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Prove the Statute of Limitations has not expired on this account ; To date, this company has not responded. How too then by them responding and contradicting themselves by saying they have sent me debt validation is this item reporting not in violation of my rights and not in violation of the Fair Debt Collections Practices Act ( FDCP ) of which they are regulated as a third party collection agency?
|
| 12/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was contacted by Ability Recovery Service XXXX XXXX, Wyoming, XXXX XXXX by phone concerning a medical debt from XXXX XXXX XXXX in 2017. When they first contacted me, I explained to them that I am a XXXX Veteran with a service connection rating of 100 percent by the US Department of Veterans Affairs and if they would mail me a statement verifying the debt of {$2000.00} that I would turn it in so the VA could pay it. They demanded that I pay something on it now. I explained to them again that I needed something in writing and updated my mailing address with them so they could mail me a written statement. The person put someone in management on the phone and he eventually told me that they would mail me a statement. After this no statement ever came in the mail and they continued to call me in a harassing manner demanding that I make payments on this debt. I tried explaining again every time they called to mail me a statement. Finally I received a notification from my XXXX account that they reported this as a negative account to XXXX and XXXX. I then contacted my credit advisor at XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX and explained what happened and she advised me to file a consumer complaint with FTC. The Department of Veterans Affairs will pay this debt for emergency medical services but they always need written verification of the medical services provided to veterans at civilian hospitals. Also I asked for written verification by mail to avoid identity theft because earlier this year my debit card information was stolen and I had to file reports with FTC and local law enforcement. The actions by Ability Recovery was harassing in nature by the repeated phone calls and vindictive by reporting me to the credit reporting agencies because I was trying to work with them to get this debt paid. Thank you for your assistance on this matter.
|
| 12/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I received multiple calls in one day, and per the caller, I was being sent to a collection from an unknown medical visit, to which I have heard nothing about from 4 years ago. I said the debt is NOT mine and that they were harassing me by calling me multiple times. the man speaking to me threatened me and told me I was wrong. I informed them that I am protected by law for surprise billing and to contact my congressman, the man did not know what a congressman was. I questioned his authority and that he was even a legitimate citizen of this country. he belittled me by saying that XXXX XXXX, who passed this law along with my congressman, was not to be called XXXX. I told the man I was not going to argue with him about this and that if he called me anymore and did not let this go, I will file harassment against him. I then got a letter saying it is in collection and this company is Ability recovery services, in XXXX XXXX for {$340.00} I also would like to add that if this was a real bill that belonged to me, why did it take 4 years to be brought to my attention?
Also, it says the company claiming I owe them from something 4 years ago, I have never done any business with.Why would I try to work something out with either of these companies when I don't even believe that this is my debt? I have Identity Theft affidavits on file both with my state and through the Federal level. How do I know if someone tried to falsely use my identity. Is this even a legitimate medical bill? Explain to me how XXXX XXXX XXXX is associated with a medical bill? I have never heard of such a place. I asked Ability Recovery to give me an itemized bill for this claim and they did not provide it to me. Who would pay a bill that sounds like some sort of extortion mafia who can not even prove that a bill belongs to me or what it is for. This reeks of FRAUD!!
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status.
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor.
I contacted the Collection Agency whos handling the account ( Ability Recovery ). Ive made an agreement with Ability to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to Ability Recovery. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being Ability stated it wasnt received. Per the Post Office not only it was received but cashed.
On XX/XX/2019, I was notified by my credit monitoring service that Ability Recovery increased the amount and not deleted it. I tried contacting Ability in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, XXXX, XXXX, and XXXX Credit Bureau informed me until Ability Recovery sent something to them the charges will not be removed. Please assist!
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of this year, I saw where I had a couple of medical collections on my credit report. One for {$170.00} and one for {$200.00}. Both of these collections were with the same collection agency called XXXX. I called in XXXX and I paid both of these accounts even though I had no idea they ever existed. In the beginning of XXXX of this year, I noticed these two collections along with another collection for {$470.00} suddenly reported with a new collection agency named Ability Recovery Services. Myself and my wife have called Ability Recovery and we've provided proof that the collections have been paid. This was done almost 2 weeks ago. When I first sent in the letter to show the account was paid in full, they responded asking me for the account number even though the account number from the original creditor was on the letter showing the account was paid in full. At that time I didn't have the full account number for Ability Recovery because it was listed on XXXX XXXX and XXXX XXXX doesn't show the account numbers. My wife called everyday last week asking if they could escalate this because we are in the middle of trying to purchase a home and these collections suddenly reporting have caused scores to drop. Noone at this company was helpful or attempted to escalate the problem for a quicker resolution but instead told my husband on yesterday that it would take another 60 days for a resolution. We do not have 60 days and this is not our error. We paid these accounts as soon as we knew they existed and they should've never made it into Ability Recovery office. With the way the interest rates are rising, we don't have 60 days to wait for them to take their sweet time investigating information. There is nothing to investigate. I clearly sent them a receipt showing the accounts had been paid in XXXX.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, CONSUMER, and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that Ii will CONSUMER, XXXX and autograph as the agent, attorney in fact, so be it.
I sent Ability Recovery Services documents requesting validation of the debt this company assumes I owe. Ability Recovery Services received these documents on XX/XX/2021, and has not responded to any of the documents, which all must be answered and sent back.
Ability Recovery Services is in violation, 15 USC 1681a ( 3 ) IDENTITY THEFT- The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
Under 15 USC 1681b Permissible purpose of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I never gave Ability Recovery Services permission to report any information on my consumer report. No consent is IDENTITY THEFT.
Fact, FDCPA 15 USC 1692, NO third-party debt collector ( Ability Recovery Services ) is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy.
Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it.
Fact, I am sure this information will be removed and that my privacy rights will not be violated again due to my lack of consent.
|
| 07/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to file a complaint against Ability Recovery Services Collection Agency who has failed to investigate fraudulent accounts opened under my name at a school that I've never attended. This school is an online program which I have never attended nor signed up for education. They have added ( 2 ) account to all ( 3 ) credit bureaus and even after sending proof of police reports and identity theft, as well as disputing these accounts, they have failed to remove them from my credit reports. The accounts are {$370.00} and {$460.00} and are hurting my ability to obtain credit.
I have been since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX. I did not sign up for any educational services with XXXX XXXX as I am a current XXXX XXXX at XXXX XXXX University and have been since summer XXXX, enrolled in a XXXX program which requires a XXXX XXXX, which I obtained in XXXX from XXXX University where I initially enrolled in XXXX of XXXX. This can be verified thru the XXXX XXXX XXXX or by contacting either university directly.
With that being said, I have absolutely no reason to sign up for any services with XXXX XXXX as Id already had ( 2 ) XXXX degrees ( during the time youre stating I was enrolled at this school ) and will be graduating soon with a XXXX XXXX. There is absolutely no way I could have combined universities with the workload I carried during my XXXX classes at XXXX University as I was already a XXXX XXXX taking XXXX credits per term. Whoever signed up for classes with this school did so in a fraudulent manner.
I am requesting that this agency investigate this matter and correct this as soon as possible as this is hurting my ability to obtain employment in my field of degree.
|
| 04/21/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX , XXXX I submitted a lette r to Ability Recovery Services request ing validation of a past debt . Ability Recovery Services acquired a collection account from XXXX XXXX which claimed that I owed them {$410.00}. I have since contacted XXXX XXXX , requesting debt validation, the company mailbox is closed, and the account is also closed. In XXXX XXXX , Ability Recovery Services offe red to settle the account at a 20 % discount. On XXXX XXXX , XXXX , I paid {$330.00} via credit for a debt your firm claimed that I owed. On XXXX XXXX , XXXX , I received a letter from XXXX XXXX XXXX XXXX , with reference account # XXXX , and the same creditor of XXXX XXXX XXXX , XXXX , stating I owe them {$82.00}. That account number of # XXXX is the same account number listed on a letter I received fro m Ability Recovery Service on XXXX XXXX , XXXX . Now, if I paid Ability Recovery Services w hy is XXXX XXXX XXXX XXXX attempting to collect the balance of the same debt for the same creditor? Ability Recovery Services is refusing to remove this item from my XXXX credit reports and holding me accountable for {$82.00}. XXXX XXXX sold the account t o Ability Recovery S ervices, transferring my information without my knowledge. Ability Recovery Services s hould have proof of this debt, to provide me. I requested a debt validation, and as on XXXX XXXX , XXXX , the company has failed to response to my notice. I have a copy of the digitally certified mail delivery proof showing my registered letter was delivered. All I am asking for is the proof of the debt, under the Fair Debt Collection Practices Act, I am entitled to this proof. If they do not have this proof, they will need to refund me back my money, and I will seek legal actions.
|
| 09/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I filed a complaint very much similar to this same complaint with this exact company wth exact amount and account number. I requested debt validation and to have this removed from my credit file untl futher notice or the amount alleged that is owed was paid. On XX/XX/2018 the company responded with the following statement " The matter has been placed in a properly disouted status along with credit reporting bureaus. We have requested from our client XXXX, the itemized Bill and Signed Admission Form for consumers review. '' Subsequently the item was removed from my credit file as per my request. On XX/XX/2018 The item has been once again added to my credit file which has caused my credit score to drop significantly which displeases me tremendously. First I thought the companies wording " The matter has been placed in a properly disputed status ... '' was a play on words. There was never any intention of verifying this debt with me and it was simply a bid for additional time to once again add it to my credit file I have attached a copy of the previous complaint dated XXXX, XXXX Complaint # XXXX Under the circumstances I now am requesting this entire file be deleted from my all reporting credit reporting bureaus and closed. If not I will be forced to contact an attorney for violation of FDCRA. I was told I would receive information regarding this debt and I have NOT. I was told it would be removed from my credit file and it has NOT. I am now saying that this will be my last request that I process for FREE. Any additional complaints will be charged to Ability Recovery Services at a rate of no less than {$120.00} per hour with a mininum of 1 hour or {$120.00} charge.
At this point I am NOT requesting for verification, I am demanding a Total Deletion.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Services contacted me by phone several times, the most recent being XX/XX/XXXX for a debt owed to XXXX University. As of XX/XX/XXXX this debt has been fully paid to XXXX University through their online portal payment system. As a result, the balance with the University has been satisfied and is no longer owed. I spoke with XXXX XXXX and another rep who identified herself as XXXX XXXX on Thursday, XX/XX/XXXX at XXXX and XXXX. I notified the collector that I had made a payment with XXXX University via their online system in the amount of {$1600.00}. These payments were made on XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$1300.00} and covered the total debt I had with the University. The representative was very short with me and extremely rude. She hung up on me and denied me access to speak with a supervisor regarding my account. I inquired about the process for removing the account from credit report once the balance has been paid. The representative stated that the account will first report as paid in full and then two weeks later it will be removed from all three credit reports. I asked could I get a statement in writing confirming this and she noted that Ability Recovery Services would not be able to furnish a written statement. I have repeatedly asked to escalate mt concerns to a supervisor and the representative continued to say " I am not going to go back and forth with you or transfer you ''. The representative has noted that unless I am calling to make a payment she will not speak to me. I also have reason to believe that the representative who identified herself as XXXX XXXX, lied about her name. Based on the voicemails I have received from " XXXX '', her voice and accent sounds exactly the same.
|
| 11/17/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I applied to enroll at XXXXXXXX XXXX XX/XX/16 and completed document submission on XX/XX/16. On XX/XX/16 they received theofficial transcript from my previous university. On XX/XX/16 I submitted the XXXX XXXX Mastery Promissory Note ( MPN ) XXXX XX/XX/16 I received an email that said my payment was past due. I spoke with someone in the Financial Aid office and was told to disreard the email as i had just completed the MPN. Classes began on XXXXbut i was unable to attend or even begin the classes. Because of this I sent an email to my academic advisor about dropping and unenrollin. On XX/XX/16 I received an email from my academic advisor that said I could drop and unenroll because I had not participated by simply replying to the email. I replied to email on XX/XX/16 and was unenrolled and withdrawn from the course.On XX/XX/16 I received an email to complete the Student Loan Exit Counseling Request and completed it on that same day. Per the Department of Education the loan was closed with a XXXX balance. I never received any correspondence that there was outstanding debt until XX/XX/16 and the account was then sold to Ability Recovery Service ( ARS ) in the amount of {$6700.00}. ARS placed this debt on my credit report in the amount of {$8100.00}. I have requested a validation of this debt directly from ARS by certified letter including the MPN with my signature and they only send an itemized sattement of the classes totaling {$6700.00}. I have since learned that ARS is not registered in my state to collect debt. I have also disputed the item with the credit agencies and ARS keeps validating the debt with them. I am filing this formal complaint as this is not a valid debt and should not be reporting on my credit profile.
|
| 03/20/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl RE : Account XXXX XXXX aka working for XXXX university To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ).
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights.
Thank you in advance for your attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello I have a Collections company named Ability Recovery Service on my XXXX & XXXX XXXX reports. I disputed this account on XX/XX/XXXX, sent a certified letter with a Debt Validation Request on XX/XX/XXXX, the letter was delivered to the companies post office subs the address is a PO Box XXXX On XX/XX/XXXX. The company claims I owe this debt but I know I dont because I never heard of the original creditor XXXX XXXX. The collections company keeps actively flagging my credit report for collections from XX/XX/XXXX - XX/XX/XXXX. After the opening a complaint with Ability Recovery Services local XXXX. They Ability Recovery first stated that the client XXXX XXXX recalled the account on XX/XX/XXXX. However I have proof the account remained on my credit report after. Since they flagged my report in XXXX, Ability Recovery Service then responded that same again except they added their client XXXX XXXX sent the debt back to them in which they placed it back on my report on XX/XX/XXXX. Now I must be missing something or can Ability Recovery Service explain. If the debt was removed on XX/XX/XXXX and placed it back on my report on XX/XX/XXXX, how could I have disputed it on XX/XX/XXXX, mailed a letter on XX/XX/XXXX and the letter arrived at their post office on XX/XX/XXXX? They also tried to same that the account # on the report was new from XX/XX/XXXX but if you look at the pictures in include the account number goes back to XXXX. Also if I actually owe this debt to XXXX XXXX why did XXXX XXXX recall it. Why is Ability Recovery Service lying so much about the account? Why? Ill tell you why because I dont owe the debt I never heard of XXXX XXXX or Ability Recovery Service until the day XXXX checked my XXXX & XXXX XXXX reports.
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ability Recovery Services LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
|
| 10/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have contacted XXXX XXXX and have obtain proof that XXXX XXXX has paid this bill according to the contact enclosed is the form that was sent to me. I advised this collection agency the same information and they still place account against my credit. I feel this collection agency violated rules and regulation and should be punished to the full extent of the law this collection agency CEO and staff feel there above the law and do not have to obey rules. Rules and laws are there for everyone to obey, and what XXXX XXXX XXXX have done in this action is with disregarding all rules place by the Fair Debt Credit Act and should be fined. Enclosed is the verification that XXXX XXXX has sent me that the account is only XXXX invoice for {$1500.00} however again violating Fair Debt Credit Act Ability Recovery Service placed XXXX account same opened date of XXXX/XXXX/XXXX and same amount of {$1500.00} and same company which is XXXX XXXX XXXX XXXX. This bill to XXXX XXXX XXXX XXXX were paid in full. XXXX enclosed payment verification. I will also be filing complaint against XXXX XXXX XXXX XXXX to XXXX for the stress that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have placed on a person with XXXX XXXX, XXXX, and XXXX XXXX and XXXX XXXX replacement.
Because of the stress your agency has caused me with the phone call and letters although I told your collector that this bill was paid with amount and date payment was paid to XXXX XXXX XXXX XXXX and faxed a verification of the payment to XXXX XXXX XXXX and they failed to call their client and verify the information.
Your agency and your client XXXX XXXX XXXX XXXX has caused me to get readmitted. I will also speak to the XXXX XXXX for Florida XXXX
|
| 04/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFBP Officers : I am writing you to complaint about an illegal or even a fraudulent debt collection attempt by Ability Recovery Services LLC and thus destroying my credit history which is denying me credit opportunities and this fact is even more exacerbated by this trying times.
- First of all, this company never notified me in writing that I owe any debt to them. This a clear FDCPA violation.
- Without any notice to me they send such fraudulent information to credit reporting agencies. This a clear FDCPA violation.
-Failed to send me a validation of debt which is a clear FDCPA violation.
Credit reporting laws ensure that bureaus and collection agencies are obligated to report only 100 % accurate credit information. Every step must be taken to assure the information is reported is completely accurate, correct and belong to the right person. Clearly Ability Recovery Services LLC has failed in reporting my credit file accurately.
Therefore, the following information bellow must be removed as soon as possible. I respectfully request that you provide me the proof that these items belong to me and were authorized with an instrument bearing my signature and supported with IDs and any other legitimate supporting documents. Failing to prove that, unauthorized, inaccurate and most likely fraudulent items must be removed from my file immediately : 1. ABILITY RECOVERY SEVICE - Account number XXXX I also need to inform you that in XXXX, I notified all 3 credit reporting agencies and CFBP that similar attempt was made and investigation by credit reporting agencies proved that I never authorized such a purchase or service and was removed immediately from my credit report.
|
| 11/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company that called me was Ability Recovery Services. I left several messages for a supervisor to return my call.
On XX/XX/XXXX and XX/XX/XXXX the phone # XXXX called me and they hung up when I answered the phone. On the XXXX I called the number back and they gave me my name and an address asking me to verify the information. I told them they needed to identify themselves before I gave them any information and she hung up on me. I figured it was a scam.
On XXXX XXXX I received a call where the caller did the same thing- say my name and an address and asked me to verify that information without identifying themselves at all. When I told her I would not give her any information until I knew who she was she identified her company as a debt collection agency ( did not give the name ) - and did finally say her attempt to collect a debt disclaimer. She quickly listed 2 debts and became rude when insisting that I needed to pay them immediately. When I told her that it was the first time I had heard about these particular debts and I was not ready to pay them today she said to me " It 's not like it 's going to matter, your credit is terrible anyway if you want to know what they are check your credit report next month, '' and she hung up on me again. I called the number back immediately and asked to speak to a supervisor. I was told that a supervisor was not available, but I could leave my name and number and someone would call me back. They did not. On XXXX XXXX I called again to speak to a supervisor. The person that answered the call put me on hold and then picked up the phone again and gave the name XXXX XXXX but it was OBVIOUSLY the same person I had just spoken to.
|
| 08/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
When applying for a new credit card on XX/XX/XXXX, I was declined and advised of a recent collections entry on my XXXX and XXXX credit reports. There is a collection showing for {$650.00} from Ability Recovery Services referencing XXXX XXXX XXXX on XX/XX/XXXX. This was the first I had heard from either company. I contacted Ability Recovery Services via the XXXX, since I was afraid this was some sort of scam and didn't want to contact them directly. I advised them on XX/XX/XXXX that I would like some sort of proof regarding this alleged debt and that I had not received anything from them via writing or phone call as is required under federal law under the FDCPA.
Ability Recovery Services sent me a letter on XX/XX/XXXX with a copy of a non-itemized statement from XXXX XXXX XXXX showing a balance of {$650.00} as past due with a different date of service, XX/XX/XXXX. This does not serve as verification of the debt as there is no indication as to what services were rendered or that I have agreed to pay any such services. They did not send this within the 5 day timeframe as required by FDCPA 809.
This is not my debt. I received no services from XXXX XXXX XXXX on either XX/XX/XXXX or XX/XX/XXXX and I am concerned that the company has provided differing dates to different organizations. Ability Recovery Services has not only failed to provide the required notice prior to placing collections activity on my credit report, but they have failed to provide itemized debt validation as well as failed to respond within the 5 day period required by law. This needs to be removed from my credit report immediately or I will be seeking legal remedy up to the maximum allowed by law.
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received phone call from Ability Recovery Services ( XXXX ) on XX/XX/XXXX. Also received calls on XX/XX/XXXX and XX/XX/XXXX. The company claims that I owe a debt to the XXXX XXXX XXXX for {$100.00} from XXXX.
The first time I had any phone contact with this company was on XX/XX/XXXX. At that point, they made a claim that they had sent me multiple letters since XXXX attempting to collect this debt. I have received none of them. I told them I was able to make arrangements to settle the debt on XX/XX/XXXX. I did not give them any credit card information.
On XX/XX/XXXX I called XXXX XXXX XXXX personally. The person I spoke with said according to their records my account did not show any outstanding balance and that my information was never forwarded to a debt collection agency. Also on XX/XX/XXXX, Ability Recovery Services attempted to contact me and left a voicemail because I was unable to answer the call.
On XX/XX/XXXX, I received another phone call from this company ; this time with a very threatening tone. The woman I spoke to began by telling me that I owe this money and that I should " stop lying about not receiving any of their letters. '' She also threatened to add it to my credit report and refused my request for a certified letter. In addition, she made disparaging remarks about my financial situation and told me I " was a scam. '' She also refused multiple requests for information necessary to dispute said claim.
Finally, on XX/XX/XXXX, I once again reached out personally to the XXXX XXXX XXXX. Once again, I was reassured that my account was up to date and no further action had been taken against me in regards to my account going into collections.
|
| 06/01/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again.
If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.
|
| 06/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, Ability Recovery Service responded stating they sent documents to validate this alleged debt, which was never received. However, Ability Recovery Service still did NOT send me any of the documents that I requested about this alleged debt. The forms they submitted was not validating the debt and because they refuse to send the documents I requested, this account needs to be deleted from all of my consumer reports. 15 US CODE 1692g Validation of debts Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| 06/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX I mailed collection company certified letters disputing debt and asked to see documents showing that I owe the debt. I received nothing except a bill I sent a second letter XX/XX/XXXX I sent a second letter Based on what The bureau says I should ask regarding debt collection Original furnisher, Contract they own debt etc.
45 days went by and I received nothing except a bill from them from their client a data furnisher.
I personally contacted the original company they said that they did not work or deal with debt collectors. And that I was not in a position they could speak to me do to HIPAA This is not proper debt collection or debt validation practices.
The company also sent me a medical record which was a HIPAA violation My father never signed a release.
Also my father passed away around that time. I have tried to tell these collection companies this.
We had the same name.
I noticed on the bills they had his old addresses on them not mine. I am assuming they did a search and randomly posted addresses to it.
I can prove this by the attached consumer report from a smaller consumer reporting agency see attached this company ran my name a few times.
I have not lived in Florida since XXXX My XXXX page can prove that as well.
Also The medical records sent to me were for someone on life support its quit obvious its a mistake.
However they have been notified of it and still refuse to remove according to what the law states They have also have had a history of removing and reinserting on my credit report. which is also illegal I should be notified and was never notified i have printed copies of credit reports from past 8 months
|
| 06/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX, 2015 I received a call from XXXX XXXX of Ability Recovery Services LLC about a possible debt. She sent me a bill for the amount of {$400.00} and a letter notifying me I could dispute the charges. On XXXX XXXX, 2015 I replied to XXXX with fact information regarding the account in questions claims that I had paid for the services rendered.
A few weeks later I received another call from XXXX that she could not validate the account. She also claimed that 'Store It All ' whom claims this debt was to submit her contract information which I had asked her to send me when she received it.
On XXXX XXXX, 2015 while trying to refinance my home it was brought to my attention that Ability Recovery Services reported this so called debt to the credit bureaus without validating the debt.
On the evening of XXXX XXXX I tried getting in touch with XXXX but spoke with a XXXX XXXX of Ability Recovery Services whom was verbally aggressive and refused to validate the debt and demand I just pay this debt. I will not tolerate this abusive behavior from any business. I strongly believe Ability Recovery Services is in violation of the FDCPA and needs to be investigated.
On XXXX XXXX, 2015 XXXX XXXX from ARS LLC returned a call I made and made me aware she has take over this debt and XXXX is no longer there. XXXX also gave me a hard time about validating the debt and I advised her of violating the FDCPA. I explained to her she legally has to provide proof of validation. She told me " that it will remain on my credit report and I have to pay the debt '' and then she hung up on me like everyone else there when I strongly ask for debt validation.
|
| 01/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( ARS LLC ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( ARS LLC ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.
|
| 09/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up.
I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me.
She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her.
|
| 09/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX, XXXX Debt Settled in a lawsuit by attorney XXXX XXXX XXXX with XXXX XXXX on behalf of XXXX XXXX XXXX XXXX in the amount of {$750.00} ( original amount $ XXXX- cancelled check available ) XX/XX/XXXX - XXXX removed/deleted their entry of {$1100.00} from all credit reporting agencies as this debt was satisfied. ( Email available ) XX/XX/XXXX, I refinance my home only to receive a higher interest due to the fact that Ability Recovery Services , LLC ( ARS ) has added this debt of {$1100.00} back to my XXXX Credit report.
XX/XX/XXXX, I applied for an loan as was denied the original amount request and informed that I needed to include the collection debt of {$1100.00}.
I have been disputing this debt on and off since XX/XX/XXXX to current.
XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX who informed that XXXX XXXX is their collection agency. I was referred to this collection agency as the debt was closed in XXXX XXXX XXXX XXXX and that they actual showed I was due a refund for overpayment.
XX/XX/XXXX XXXX XXXX representative for XXXX XXXX informed me that the debt was settled and that notification was to Ability Recovery Services. ( Group # available ) XX/XX/XXXX XXXX XXXX XXXX has failed to comply and has now added this collection debt of {$1100.00} to my XXXX Credit File in addition to updating it on XXXX.
I am seeking the maximum amount in punitive damages of {$1000.00} per section 616 of the FCRA for this collection aggressive measure to collect on a debt not owed and continues to ruin my credit worthiness.
I have emails, cancelled checks and legal supporting documentation to support my claim.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Between XX/XX/XXXX - & XXXX XXXX Ability Recovery Ser. illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX XXXX XXXX ( Auto ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry.
XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
The collection agency received a debt from my college that was supposed to be paid by financial aid. I called this morning. Without verifying my information ( other than my name ), the collector gave me the information, and then was very verbally abusive, rude, and even threatened to end the call. She refused to send me information stating that she would delete from my credit report even though she advised that she would over the phone. I advised her that she had been calling a number that was similar to my mothers number, but not hers. ( I have had the same number for 13 years ) she advised that I should have updated the information with the school. I tried to explain that I already had my degree and that I did n't know I needed to update the information. I never expressed a problem paying just wanted to have proof that what she said would happen would happen before I paid and that I had record since correspondence and calls were apparently going to the wrong place. She was very hostile. She refused to let me talk to someone else. she threatened to hang up in my face. She told me that she could email me if I paid when I asked for something while on the phone she started yelling at me for my address. I tried to redirect a few times to calm the call and she continued abusing me and threatening to hang up because I was not going to have it my way. I advised her that I was a bill collector and she advised me that I should know the fdcpa or something of that sort. Her name was XXXX and we spoke today at between XXXX and XXXX am today. I tried to explain that this was supposed to be paid by financial aid.
|
| 01/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Ability Recovery Service XXXX has called me far too many times that it is bordering on harassment and they refuse to listen to any explanation I give them because all of my student loans are in repayment plans. However they Say that they represent XXXX for a repayment of a loan that is in a repayment plan, and every time they call me they are rude and unwilling to accept the truth and their calls end with threats and an abrupt hanging up on me. And I have Explained to them many times that my student loans are in repayment plans but they refuse to listen to that or accept it - they say I am playing games and then threaten legal lawsuits. And, I do n't know why they have this but I have heard that this company buys accounts that have passed the Statute of Limitations in order to make false claims in order to make people believe that money is owed and collect money that is not owed under false pretenses. In Addition I am not even sure what loan they are talking about because they do not specify the debt type or the amount all thy said is that they had this since XXXX of 2015 and my student loans have been in repayment plans long before this time, so something is not right about this company because of the claims they make and the harassment and threats because a Professional or legitimate business would not harass or threaten people and they would be willing to listen to you instead of dismissing anything you say as excuses, lies, or games, and I have spoken with XXXX before a they said that Ability Recovery Service is not a company the school uses because they have their own service for that purpose.
|
| 12/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I contacted the company after numerous contact from the company to asked them why they were sending a dent collection. i also stated that i did not take any course from them after the 1st attempt. They continued to state that i will have to pay the dollar amount owed. The gentleman whom i spoke with around earlier months XX/XX/XXXX to XX/XX/2019 stated that i needed to pay the dollar amount.
A few months later i contacted the agency after all contacted me, to asked me to pay for the dollar amount owed. ( i never saved their number ) which is why I wanted to know who was calling me i spoke with ARS - XXXX XXXX who stated that I was responsible for a XXXX $ and XXXX . i was willing to set a payment plan. Though I explained that i was not responsible for the debt because i never finished the course and i made the payment twice when i was still taking the course.
ARS XXXX XXXX stated that i needed to set up a payment plan. In the process of cleaning my credit, i felt obligated to set it up. Then i had family obligations which affected my ability to follow through with payments. I contacted the company and asked for an extension and XXXX XXXX refused. I should not pay for a full amount that i did not use. That is not ok.
Today on XX/XX/2019. Ability Recovery rep XXXX XXXX contacted me and stated that i was a liar and she is seeing that i am challenging the items. I do not think that she has the right to contact me and use such obscene language towards me.
Whether i am challenging the account or not, she should not determine my actions towards the false claim that is hurting my credit unnecessarily.
|
| 02/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I called Ability Recovery Services Llc, on XX/XX/XXXX because I have alerts set up concerning my credit report due to identity theft. I asked to speak with a supervisor and advised them that this isnt a valid debt and please remove this from my records. The supervisor XXXX then asked me to send proof and I did and he said he can have it removed the same day. After spending {$15.00} faxing and printing paperwork for them, I called to see if they received it and they said yes. I asked how long will it take to show as removed and he advised me to call and check at the end of the month because they report once a month. I called today XX/XX/XXXX and asked to speak with a supervisor and I explained my situation and the agent was very rude and stated that supervisors don t just come to the phone. I called back again and got another agent who hung up on me and said they mailed me an updated bill, and then finally after calling a few times I got a professional agent who got me in touch with XXXX when the other agent stated he was out of the office. I also told XXXX that his agents arent professional and he said he will deal with that and apologized. He also stated that his client hasnt responded back yet and to call in another week. I dont feel I should have to wait this long on a fraudulent account and I never did business with either companies. This company is very unprofessional and they feel as if they dont have to follow the laws. I can say that XXXX was nice, but his whole staff needs to be re trained and they need to remove this fraudulent account immediately because its really affecting my credit.
|
| 07/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
XXXX XXXX calls and leaves voicemails at least once per week. On XX/XX/2022 at XXXX EST, XXXX XXXX called and I answered. She informed me she was calling to collect on a debt from XXXX XXXX and asked if I wanted to setup payment arrangements. I said no and asked her to send me records of the debts.
She said the company would not send me anything, that Ive been disputing the account for years and began calling me names and screaming. She hung up. I called back and asked her to add me to the do not call list and to instead communicate via written letters. I asked her what address she had on file and to update it with my current address. She again began calling me names and yelling telling me to not call her place of employment again. She then hung up after refusing to update the account per my request.
I called back and she hung up. I called again and she answered and threatened to sue me if I called again, then hung up. I called again and this time was met by a supervisor. I repeated my request in accordance with the FDC act and he said he would add my number to the list. I asked to make a complaint against XXXX XXXX and he said the office was closing up for the day.
I do not own this debt. Ive supplied the credit bureaus with proof that the debt is resolved with the original owner of the debt and the collection was removed.
Please see attachments. I was offered a reduced tuition payment and I accepted. My student status was then restored without restriction.
The collection is not being reported to any of the 3 credit bureaus but this company continues trying to collect.
|
| 04/27/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Previously on XXXX XXXX XXXX XXXX made a claim tha t I have enrolled into a School that provide with a High School Diploma , named XXXX XXXX as I made a complaint to that collection agency to validate and verified, that I owed that debt and alone with my signature stamp. That estate that I owed {$1600.00} debt to the school and to please send me a copy of that debt, there were lots of discrepancies for one I d id not live in the address they said i live in witch I did not ever live in that address XXXX XXXX XXXX XXXX , TX XXXX . And I made it clear that I would place a complain to the CFPB so we agree that they were going to make an investigation and notified the School about these ledge debt I do n't owed, so their resolution after a few weeks was to notified the school that they were going to STOPPED COLLECTING and that they will returned the file to their client, XXXX XXXX XXXX THE XXXX XXXX , XXXX XXXX XXXX , GA XXXX . Account # XXXX Reference # XXXX , And they did stopped reporting to the credit bureaus, but apparently now the school give these debt to another collection agency name ABILITY RECOVERY SERVICES, OPENED DATE AS IT APPEARS ON MY CREDIT REPORT XXXX XXXX FOR {$1600.00}. Please I am tired of these allege XXXX XXXX to stop harassing me about these debt. I send a certified letter to these Ability Recovery Services to va lidate me with the debt and to make a final decision to their investigation, and to stopped immediately reporting to all credit bureaus and to delete such a false and fraudulent accusation of these debt.
|
| 01/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Your company broke the law!!!!
Your company is in violation of the following subsection of the Fair Credit Reporting Agency.
Pursuant to 15 USC 1681 the accuracy and fairness of credit reporting. Congress makes it clear that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Pursuant to 15 USC 1681a ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Ability Recovery Service assumed this role and because of your assumption, you have negatively affected my life and caused hardship.
15 USC 1681b. Congress also makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report.
As a consumer reporting agency, Ability Recovery Service used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter dated XXXX XXXX 2017, and called the Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I XXXX another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the XXXX XXXX XXXX . After talking to the XXXX XXXX XXXX XXXX XXXX , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.
|
| 02/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I previously reached out to credit bureaus in regards to this item. Every time is stayed as verified. I contacted you guys CFPB a few weeks ago and you closed out case because they responded. The issue is the information that was sent to me was not valid. 1. The address this on what they sent me which looks like an application was from an address that never was associated with me. 2. The signature there isnt one listed. There is not a personal signature only shows electronic. I have rights and there this isnt legal proof. There should be a signature that shows prof that it is my account. Also the bank account numbers that show on document had never been associated with me either.
Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.
There is no proof that this is my account and this company is violating my rights.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ON XX/XX/23 I SUBMITTED TO YOU ABOUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX IT WAS TAKING OFF THE CREDIT BUREAU.THEY BACK DOOR AND PUT IT BACK ON CREDIT REPORT CHANGING UP NUMBERS AND I CAUGHT IT THEY PUT THE BILL UNDER A DIFFRENT COMPANY BUT NUMBER IS THE SAME AND THE AMOUNT IS XXXX DOLLARS NOW # XXXX .TRYNG TO CHANGE THE NUMBERS UP. BUT I CAUGHT IT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS CHANGING THE AMOUNT AND MY NAME ON BILL THEY HAD XXXX XXXX ON XXXX NOW THEY HAVE XXXX XXXX NOW THE BILL IS SHOWING XXXX XXXX XXXX XXXX ACCOUNT # XXXX IN THE AMOUNTOF XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAD XXXX XXXX XXXX # XXXX AMOUNT WAS XXXX. PULL CREDIT REPORT YOU WILL SEE IT .THE FIRST BILL I SUBMITTED TO YOU WAS # XXXX. ALL ACCOUNT NUMBER FOR THAT ACCOUNT HAS BEEN DIFFRENT NUMBERS BUT THE SAME FORMAT USING BEGINING AND ENDING NUMBERS THE ACCOUNT IS STILL THE SAME. # XXXX, XXXX .OTHER COMPANY NAMES THEY WILL USE IS XXXX XXXX XXXX XXXX XXXX LAST TIME THEY TAMPPERED WITH MY CREDIT REPORT AND THE AMOUNT. # XXXX. I KNOW ITS A LAW AGAIN TAMPERING WITH SOMEONE CREDIT REPORT AND CHANGING AMOUNTS AND PUTTING DIFFRENT NAMES TO REPORT THIS. I HAVE SENT IN MY DRIVER LICENCE FOR THEM TO TAKE OFF ALL THE MISS SPELL NAMES THEY WILL NOT DO IT ON BIRTH CERTIFICATE I HAVE XXXXXXXX XXXX XXXXXXXX I ALWAY WRITE XXXXXXXX XXXX XXXX AND XXXX MARRIED NAME XXXX XXXX THEY HAVE MY CREDIT REPORT WITH 21 NAMES THAT IS RIDICULOUS AND NOT RIGHT THAT IS WHY I PUT A FRAUDLENT ALERT ON CREDIT REPORT FOR THAT REASON.PLEASE HELP IF YOU NEED COPYS I HAVE EVERYTHING YOU NEED
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
OPPORTUNITY TO CURE Dear [ Ability Recovery Service ], I am writing in response to your recent communication regarding the alleged debt owed to Ability Recovery Service. I would like to take this opportunity to provide you with an opportunity to cure the alleged violation.
Firstly, I would like to reiterate that XXXX XXXX XXXX disputes the validity of this debt as XXXX XXXX XXXX doesnt have contract or agreement with Ability Recovery Service . Therefore, I do not acknowledge any debt owed to them.
Furthermore, as previously stated in my previous letter, I have alleged that Ability Recovery Service has breached my trust and my copyright, and I have requested that you agree to pay {$500000.00} for the breach of trust. In addition, Ability Recovery Service agrees to the terms and conditions of the living man XXXX : Sovereign.
If you are willing to agree to these terms and conditions, and pay the {$500000.00} for the breach of trust, or you can cease and desist on all media.. I will consider the matter resolved and will not take any further action.
I hope that we can resolve this matter amicably and without any further action. Please let me know if you have any questions or concerns.
Thank you for your attention to this matter.
Sincerely, [ XXXX XXXX Sovereign ] XXXX If you ignore this message and continue to harm my property I will be seeking payment for my time I do not have a contract with you For the record you have been put on notice of my fee schedule copy right and terms and conditions XXXX : Sovereign Silence is acquiescence
|
| 12/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Please send me a letter explaining your findings and actions. Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of Information
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
To Whom It May Concern, You are breaking the law!
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, XXXX, and XXXX.
ABILITY RECOVERY SERVICE Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy.
On XX/XX/2022 I received an email from XXXX stating that a new collection account was added to my XXXX report. This was the same account that was already deleted by XXXX and XXXX ABILITY RECOVERY SERVICE Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once!
XXXX XXXX XXXX
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX dispute number XXXX Federal law prohibits XXXX providers from billing beneficiaries who are enrolled in the XXXX program for XXXX XXXX XXXX and XXXX XXXX deductibles, coinsurance, or copayments.
If you erroneously bill an individual enrolled in the XXXX program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid.
Billing of XXXX Is Prohibited by Federal Law Federal law bars XXXX providers and suppliers from billing clients enrolled in the XXXX program for XXXX XXXX XXXX and XXXX XXXX cost-sharing under any circumstances.
The XXXX program provides XXXX coverage of XXXX XXXX XXXX and XXXX XXXX premiums and cost sharing to low income XXXX clients.
XXXX is an eligibility category under the XXXX Savings Programs and providers and suppliers may bill State XXXX agencies for XXXX cost-sharing amounts. However, as permitted by Federal law, States can limit XXXX cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the XXXX program have no legal liability to pay XXXX providers for XXXX XXXX XXXX or XXXX XXXX cost-sharing.
XXXX providers who do not follow these billing prohibitions are violating their XXXX Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ).
PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY
|
| 09/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I contacted Ability Recovery LLC in regards to a medical debt on my credit report. According to Ability Recovery I had an unpaid medical bill of {$100.00} which was the same amount that was reporting on my credit report. I spoke with a agent ( guy ) who told me that if I pay the debt now it can be deleted from my credit report. I agreed to pay the debt in return for a written letter stating that debt will be deleted once paid in full. The agent agreed to send the letter via email to XXXX stating that debt was paid in full for deletion. In XX/XX/XXXX I viewed my XXXX credit report and noticed that Ability Recovery LLC was still reporting the debt so I filed a dispute through XXXX but the results only revealed that the account was updated to paid in full but not deleted. I continued to call Ability Recovery LLC to request that they delete the debt from the credit bureaus and each time i called a rep will say they already sent it to be deleted but as of now it still shows on my credit report as a paid in full collection. Ive contacted XXXX to dispute multiple times and I even sent it the email that I received from Ability Recovery llc saying that debt was paid in full for deletion but they too refuse to delete it. I dont understand how a recorded and monitored conversation on XX/XX/XXXX is not being used in the manner that it was discussed on that call. I am left to seek legal counsel if this collection from Ability Recovery Llc is not deleted from my credit report as agreed upon on XX/XX/XXXX.
|
| 05/24/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
XX/XX/2009, I went through a divorce my husband took everything. Looking to better myself I signed for some online courses. Came across the online school XXXX XXXX. I spoke with a representative, ask questioned like was the school accredited?. All my questions were answered falsely. They told me school was accredited. Signed up and I found out the next day, that the school was not accredited. I was not happy about that and I called to cancel my classes. I was told that my classes would be cancelled since I have been in classes for less than 7 days. They told me I could withdraw as long as XXXX % of the course work was not completed. If I recall correctly I only completed XXXX % of the work. I attended another local university and never logged on again. Now I am in a position to buy a home and this XXXX XXXX XXXX is on my credit report preventing me from doing so. I have called XXXX XXXX they told me they sold my account and have no information of my case. So I called the collection agency and they told me that they only have records of me attending for the one day noted above but they could not take it off my credit report and I need to pay them the XXXX.
If I had in fact completed that course I would have no problems paying the money, But I did n't. Furthermore it 's really sad that organizations like this exists praying on the weak and less fortunate. Who in there right mind would spend time and money on a course that is not accredited and you will not be able to gain employment afterwards?
|
| 11/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX XXXX ( C.D.cal. XX/XX/1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. {$710.00} {$1300.00} THEY NEVER RESPONDED they also stated that the medical facility stated I authorized other medical providers to access my account. I informed them THAT THEY ARE NOT A MEDICAL FACILITY, THEY ARE A COLLECTIONS AGENCY. I ASKED THEM TO PROVIDE ME WITH THAT INFORMATION OF A RELEASE TO THEM AND THEY SAID THEY WOULDNT
|
| 08/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I just seen a account from Ability Recovery Services LLC pop up on my credit report randomly one day ( Back in XXXX-XXXX of 2019 ). So a few months go by then I decided to write them a letter around XX/XX/XXXX or so XXXX ishh and let them know my concerns regarding the bill and I would like VALIDATION not Verification of the item on my credit report. They then sent me a letter back saying basically you owe this debt to us and we bought it from the original creditor XX/XX/XXXX. They then have an attached document to go with it showing some doctor or so they say I went to they claim, and just an amount? I then sent in a letter letting them know if thats the case they're violating HIPPA Law by releasing medical documents without a hippa release form and a suit will be filed by me and my attorney if it is not removed from my credit profile.
Also detailing the guidelines under the FCRA. It's been 2 weeks with no response of validation, full break down of the bill, bill of sale, or proof of a Hippa Release form. The 2nd letter regarding the violation was sent out XX/XX/XXXX & received XX/XX/XXXX. Today is XX/XX/2019. 2 weeks from the day. I dont want to have to take legal action. And it's best for everybody if its just removed from my credit profile. If not I will sue for monetary damages, loss of wages, and legal/lawyer fees. I have just spoken with my Attorney today and we're ready to take all courses of action but would rather not to avoid senseless situations like this but will if need be.
|
| 01/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call from, Ability Recovery Services, reciting incorrect info. They asked for me to verify the last 2 digits of my social. They stated that the numbers were " XXXX '' which is incorrect. So I explained to them once again, that they are to delete this account from my credit report due to incorrect information. They then proceeded to state that the debt was for someone by the name of " XXXX ''. I do not know anyone by the name XXXX. I am not XXXX. I asked the supervisor I was speaking with how someone could absorb another 's debt as such. He stated that it could be a relative or child. I have two daughters neither of which are named XXXX. I also explained that this was another reason to remove this account completely, also that I need an email stating that they will remove it from my credit report. The response I was given was, '' We don't have the ability to do that ''. This is not the first call I've had with them in regards to this so called account. I have been hung up on before and left on hold for hours just for them to hang up. I advised them that I would be making a complaint against them in regards to this matter. The account number I was given is, # XXXX. According to XXXX ( the manager I spoke with ), there is two accounts attached to that number I was given. Both of which have the wrong social security number. XXXX is their contact number. As of writing this email I am yet to receive a dispute email from Ability Recovery Services, as promised by the manager.
|
| 09/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am writing to dispute the Ability Recovery Service XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this keeps on reporting inaccurately in my credit report because I dont recognize that account base on the report of Ability Recovery Service . Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : XXXX ) Date when the account was opened is inaccurate, reporting and violating the FCRA laws because I havent opened any account this year in the institutions mentioned above in my XXXX credit report, please provide in writing the agreement of this account. This type of manipulation puts me in financial harm as it shows that account in collections in my credit report. Attached to this file there is a copy of my XXXX Credit Report. XXXX ) The account doesnt show payment history or monthly transactions reporter. This manipulated my credit score intentionally as the report attached do not shows updates and changes in the account. XXXX ) No credit Limit at all, no higher balance and neither payments to the account. I have previously disputed this account on my credit report and you VERIFIED these to be 100 % accurate on my credit. 1681of the FCRA states if any information after reinvestigation is found inaccurate, the account must be DELETED!
|
| 12/28/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of XX/XX/XXXX I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.
|
| 12/28/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or around XXXX I was alerted by XXXX XXXX that I had a change to my credit. When I checked the change I was informed that Ability Recovery Service had added a collection to my credit report. I immediately contacted them about this collection. I explained to them that I spoke with XXXX a few months earlier and was denied the right to try and fix the issues. I was informed by one of the reps that because of the delinquency there was nothing they could do. I was not allowed to get on a payment plan or dispute it, or anything. So I submitted a disputed through XXXX XXXX and requested that they showed me evidence of them informing me of this debt. According, to the rep that was assigned my collection. XXXX did not submit supporting evidence to prove I owed them any money. In winter of 2018 I attended XXXX University, maybe two weeks into my program I emailed the academic advisor and informed her that the program was not for me. Instead of her dropping me immediately from the class because I was still within my grace period. She waited two weeks which caused my loans to have to be returned to lenders, and balances I was quoted when I called are totally different than the ones reported. XXXX XXXX the rep that is working on my collection contacted me directly and informed me that XXXX did not submit verification and the collection would be removed. However, now when I spoke with him hes trying to convince me that paying a debt that I do not owe is the best thing.
|
| 03/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I deserved in XX/XX/XXXX that I had two accounts on my credit report from the same collection agency with two different accounts with different amounts. When I called the company I paid off one that I knew was mine and asked the company to provide documents on the second account so that I could verify if the account belongs to me, because I knew for fact it was not mine account.The company never sent me any documents but continue to report this debt to my file .This account was deleted on XX/XX/XXXX off my credit file. On XX/XX/XXXX this company turned around and reported this same collection as a new account, when in fact it's not new and the account is not mines. I understand that I have the right to validated information that is being reported on my file and I have did that, and I ask that you step in on this matter and figure out why they are reporting false information and have them provide poof of documentations for the account they reported. Also on the day of contact with this company they guy was very rude, they had my cell phone number programmed in their phone directory. I asked for documents again and the guy refused to send them to me. By law if this company can not provide documents for debts they place on people '' the collection is to be removed '', which was done. How is this company able to keep reporting collections that are removed due to their lack of documents be placed back on? This company is causing a disturbance to my credit file.
|
| 03/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This company started reporting a debt they claim was owed to XXXX XXXX in the amount of {$670.00} I tried to ask the collection ( Ability Recoveries ) to provide proof of the debt along with any supporting documents from the original debtor the representative proceeded to argue with me and threaten to " get their money '' and that the debt was my debt, then proceeded to hang up on me.
I called back and asked to speak with a manager and was told it would take 48 hours to speak with a manager or supervisor, I was then again hung up on and told to stop calling regarding this matter as " they were going to get the money they were owed '' I continued to demand to speak with a supervisor regarding the matter and was again hung up on several times.
I called back 4-5 additional times and was hung up on each time and then eventually spoke with someone else who told me that the person who was constantly hanging up on me and threatening me was one of the managers.
I informed them that i would be filing a complaint with reporting agencies and credit bureaus as this information had not been verified but was being reported on my credit as an open collection, however the debt has been more than 7 years old and I stated that to the collection agency and they continued to argue with me and hang up on me, i asked them to stop reporting the inaccurate information and they stated they would not do that as they had already verified the debt without my verification.
|
| 02/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a letter from Ability Recovery Services LLC. I called and asked about the details of the debt. Spoke to XXXX XXXX, this debt doesn't belong to me but it's someone else. I asked him to mail me the information and told him that this debt is not mine & disputed it right away. He told me he will request the information & it will come as junk mail. That call was on XX/XX/XXXX lasted for 3 minutes & 19 seconds at XXXX Since he asked me to mail the information, I waited for good 10 days but nothing came in.
I decided to make another follow up call on XX/XX/XXXX at XXXX, call lasted 6 minutes 18 seconds. When I spoke to him, He seemed frustrated and said how come you haven't received it, it was mailed etc. I informed him that this is a follow up call for the documentation, that he is claiming i used medical services. He said, I will request again. I informed him clearly this is not my debt and i am disputing this no negative action should be taken till i receive the documentation. He agreed.
On XX/XX/XXXX they reported it to my credit. My credit was exceptional. I lost XXXX points because of Ability Recovery services LLC. It takes lot of efforts to keep your credit history clean but companies like this mess up everything.
This is not legal, I have proof of calls and call records with date and time. Better communication, patience, providing the documentation via email I am not receiving via mail. Don't put it on XXXX or send it like junk mail.
|
| 05/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
At the end of XX/XX/2019, I received a letter in the mail from Ability Recovery Service attempting to collect a debt, from XXXX XXXX for {$4300.00}, that does not belong to me. I never attended this school. This makes the second time that they have tried to collect on fraudulent debt. I sent them a police report a few months ago stating that my identity was stolen and they are now trying again but on a different account. Their letter clearly states that I have 30 days after receiving the letter to dispute the debt in writing. Their letter was dated for XX/XX/2019 and I received it a few days afterwards, however they went ahead and placed the item on my credit report before the 30 days are up. Today is XX/XX/XXXX and it was placed on my credit between XX/XX/2019 and XX/XX/2019. That is not 30 days. I did dispute the letter in writing that will arrive to them on tomorrow XX/XX/2019 ( delivery confirmation included ). I also left a message with XXXX XXXX at XXXX. I have not heard back from her. I called again on today XX/XX/2019 at XXXX cst and spoke with a representative that would not provide his name. Placing this item on my credit before receiving my dispute and before the 30 day deadline is very unprofessional and underhanded. Add this to them collecting on a fraudulent account is a recipe for disaster for any consumer. I am in the middle of buying a home and this wrongful action by XXXX XXXX XXXX, XXXX has dropped my scores drastically.
|
| 06/16/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Hi there, Last year in XXXX I had joined the online college program through XXXX XXXX because I had previously went to XXXX XXXX XXXX XXXX online program. Right when the course started Covid had hit and I was working at XXXX so with covid our company took a big loss. We were all losing hours and i couldn't afford the program so I called and told them the pandemic was causing a shortage in my pay. So i needed to cancel the program this was so early in the start of my program I didn't receive any materials, books or anything for the course. I talked to a few people at the online campus about it to make sure it wouldn't affect my credit or name negatively and we were all under the influence that it wouldn't. A couple months after I received a bill from collections during the pandemic and it was XXXX dollars. For a course that I didn't even get to take .I called the school and they told me I could get it taken off of my credit. This debt is causing me troubles I can not apply for apartments or homes, I can not put my own car in my name I needed a cosigner because of the debt on my credit and it's putting my credit score lower than it needs to be I pay everything on time I have nothing else on my credit negative besides this. This is really starting to affect my life, I have a child and I have things that I need to provide like a home and a reliable car I can't apply for anything with this on my credit I am very frustrated with this situation.
|
| 07/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a robo / spam call on XX/XX/2021. I called the number back, spoke to XXXX at Ability Recovery Services on XX/XX/2021 at XXXX pm and had the following conversation regarding the following collection account being reported by your Company to the Credit Reporting Agencies. In my conversation with XXXX, which she said was recorded, we talked about an account you are reporting on my Credit Report regarding the aforementioned account. I old her I do not know who she was and the alleged account is disputed in its entirety.
XXXX told me to pay it in full or Ability Recovery Services will report and continue to report the account to the Credit Reporting Agencies even though the account is disputed in its entirety. No address or contact information was given to me to contact the original creditor other that the name of a hospital. I was not given any further assistance in resolving this matter by XXXX. When I explained to her my only other alternative was to file a complaint in court, serve your company, the hospital and the Doctor and she told me to go ahead. She also laughed and said go look at your credit report.
I have contacted the Original Creditor by phone and they do not have any records they can forward me.
The XXXX Practices of Ability Recovery Services use intimidation, threats and causes intentional damage to consumers like me in order to collect monies they do not even know are owed.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Debt collection account : Account Name : Ability Recovery Services Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXX XXXX Being reported to XXXX and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions.
Validation requests were also sent to the reporting collection agency, Ability Recovery Services and have been ignored with no response.
|
| 12/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This collection company does n't abide by the laws set forth by the FDCPA and have made clear violations of FDCPA 809 ( b ). I was never contacted by this company regarding a debt they were collecting on. I found out by credit monitoring service that reported new collection activity. After reviewing my credit reports I disputed this collection account with the XXXX of the XXXX major credit reporting agencies ( XXXX and XXXX ) as XXXX was not reporting such account. Both disputes with XXXX and XXXX came back as verified so I sent a letter to Ability Recovery Services requesting validation of the alleged debt on XX/XX/2016. They failed to respond yet continued to update their collection status on XXXX and XXXX and even started reporting to XXXX. I had to file an initial complaint with the CFPB regarding their lack of response to my request and their continued reporting of alleged debt. They responded with their documentation and claimed that they mailed a response to me on XX/XX/2016. I never received such response. They attached the documents they claim they sent me and both documents are dated after XX/XX/2016. Regardless, their continued and new credit reporting and collection efforts occurred between the time they received my request for validation and the time they claim they responded to my request. I am hereby filing a complaint against this company for their violations of FDCPA 809 ( b ).
|
| 09/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is ABILITY RECOVERY SERVICES # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABILITY RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ABILITY RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ABILITY RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ABILITY RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 03/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In 2015 I was going to a clinic for XXXX called XXXX XXXX XXXX XXXX XXXX XXXX, PA and they told me they accepted the insurance i had at that time. I believe the main office is located on XXXX XXXX XXXX in XXXX, PA XXXX. Soon after I started getting bills in the mail. So i talked to the reception lady up front and she told me it would be taken care of. I kept getting bills, so i questioned them again i was again told they would wipe the charges off my account since they wrongfully told me the insurance was being accepted. Soon after i quit going to the clinic. I now have 16 different accounts of {$240.00} that are in collections and is affecting my credit. I tried contacting the billing department for XXXX XXXX XXXX and there was no answer and nobody attempted to reach me back. I think this situation is completely wrong and I know of other patients that have ran into the same problem with the company. They are trying to charge me what my insurance should have paid but would not while telling me they were. I feel i was being told false information, I was told the problem was taken care of several times, and now it is affecting my credit and there is absolutely nothing i can do. The debt collection company doesnt want to hear anything about it and XXXX XXXX XXXX is such an unprofessional clinic it can not take care of a simple billing problem. The collections company is XXXX XXXX XXXX.
|
| 12/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX a {$350.00} debt appeared on my credit report from Ability Recovery. I contacted the debt collector explain that I did not owe this debt as I was a XXXX patient and the originator of the debt was a hospital who had my XXXX information on file. Ability Recovery refused to help resolve this issue. As such, I contacted the hospital billing department and was advised they no longer had information regarding the debt so I contacted the phone number on the back of my XXXX card ( XXXX ) and explained the situation. The representative from XXXX/XXXX confirmed that I was covered by XXXX/XXXX on the date in question and instructed me to write a letter to XXXX XXXX explaining the situation and attach the information regarding the medical bill so that it could be researched. XXXX XXXX determined that on the date of service XX/XX/XXXX I was a CT XXXX XXXX XXXX recipient and that the provider in question was enrolled in CT XXXX. XXXX XXXX indicated in their response that the provider has been contacted and advised that they can not balance bill a CT XXXX recipient. I submitted the response from XXXX XXXX to the debt collector and filed a dispute with the credit bureaus, but all that happened is the debt collector confirmed a debt that I can not legally be billed. I am attempting to prepare for a house purchase and want this debt that I do not owe off of my credit report.
|
| 04/20/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX Ability Recovery Services LLC placed debt on my credit report. I immediately contacted them to inquire what this debt was and why was it put on my report. When I spoke with them they stated it was an unpaid medical collection in the amount of {$1200.00} from XXXX. I told them I am not aware of any medical visit around that time and believe it was an error. They stated there was nothing I could do but pay for it! So in XX/XX/XXXX, I requested a debt verification letter giving me the details of this matter and to show proper proof that I agreed to pay them. Instead what I got was an alleged copy of a bill on another companies letterhead with private medical info on it. Not only did this letter NOT meet proper debt verification standards, but it also was NOT accompanied by a HIPPA release form. This is a violation in which I intend to file a lawsuit. I have since sent the same debt verification letter to the credit bureaus. As of today, Transunion is the only one that has removed this debt because it was unverified. I'm confused doesn't all 3 credit bureaus receive the same information?? So I am forced to file a complaint. This debt has NOT been properly verified and needs to be deleted from my credit report! Once this is done I am also requesting a deletion letter be sent stating that Ability Recovery Services LLC is no longer trying to collect on an invalid debt.
|
| 06/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In late XXXX or Early XXXX i received a notification regarding my XXXX account, Ability Recovery Services has listed an account on my reports. XXXX XXXX XXXX XXXX i called them and spoke with a agent there i let him know this account was previously removed due to being within my Bankruptcy XXXX XXXX. This information was also listed under the account information under my XXXX account.
The agent stated I do not see you under Bankruptcy and demanded i send him my bankruptcy documents.
I do not have those documents on hand and with the XXXX effecting the courts it would be difficult for me to get them in a timely manner. At that point i called XXXX and the agent there, seen the Bankruptcy status on the account as well and submitted a dispute.
The account was removed from XXXX.
XXXX XX/XX/XXXX i checked my XXXX report and it is listed on this report still, after i have submitted a dispute. This account was removed from all reports previously Ability Recovery Services XXXX XXXX XXXX {$820.00} Account Opened XXXX XXXX Account Updated XXXX XXXX This credit agency is reporting false information, they are literally putting false dates in order to collect funds again for accounts that are closed. This is hurting my credit. i am in the process of becoming a mortgage broker and striving to repair my credit but this company is making it hard.
Please investigate and help ASAP
|
| 04/06/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.
This company has not sent any not even 1 piece of information to my address. I only noticed this account on my credit report when I pulled it. If they sent me something to indeed prove this then why did n't they include it with their response. This company is lying and in direct violation of my rights. I sent them a letter on XX/XX/XXXX. How then did they send me a letter in XX/XX/XXXX and XX/XX/XXXX yet they just reported this account in XX/XX/XXXX. It is obvious they are lying. I am requesting that this account be removed because they are in no way telling the truth. Had I received any documentation from them, I would have disputed prior to XX/XX/XXXX. I have a credit monitoring service that notified me on this day of this account being added ; hence, my reason for disputing with them in writing on XX/XX/XXXX.
|
| 02/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I wrote a letter to Ability Recovery Services asking them to validate the debt they say that I owe. I sent a certified letter to them and it was received and left with an individual on XX/XX/2020 per the USPS tracking. They responded and sent back verification which is not what I requested. Per the FCRA, I have a right to request VALIDATION, which is documents that bear my signature binding me to the debt they say I owe. They never sent anything bearing my signature. Per FCRA, they must do this within 30 days or the item must be completely removed from all reporting bureaus.
Please see my attached letter asking them to VALIDATE not VERIFY. Again, validation bearing my signature was never received. I have a right to have this negative item deleted from all my reports and I am requesting that this be removed ASAP as the law allows 30 days for removal.
In addition, if you are a collection agency, you have to be licensed in the state where the debt incurred to even be able to collect funds from someone. Per XXXX, Ability Recovery Services , LLC is not licensed in the state of IL to collect on debts.
These are two ( 2 ) reasons that I am asking this debt ( and anything associated with this company ) to be completely removed from all credit reporting agencies asap.
Failure to do so will result in me exercising my legal right to pursue action against them.
|
| 01/09/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I had filled out an auto loan application and was denied. So I went and checked my credit. On my credit was Ability Recovery Services who I have never ever heard of. They were saying they were collecting for a medical bill from XXXX XXXX XXXX. I have never recieved a bill from XXXX XXXX XXXX because I am on XXXX and the XXXX program. My XXXX should of paid the invoice. So I called up Ability Recovery and a XXXX answered. She was so rude. I explained to her I have no record of them sending me an debt collection notice nor had I ever recieved a invoice from XXXX XXXX. She told me to bad and that if I would take care of my bills then I would not have to worry about Debt Collectors. She kept interupting me. I also tried to tell her that according to there record the bill was a new bill and I believe there is a no surprise act toward medical bills. The XXXXXXXX XXXX can not turn over to a collection agency until they send me a bill I believe it is called the NO SURPISE ACT. I asked this XXXX to please provide me with a copy of the bill and a copy of the Debt Collection paper the sent me. She told me that I need to look around my house and find it and then she hung up on me. I am XXXX and I tell you this lady made me cry. .She really did. I noticed on some reviews of this place this lady is pretty awful to seniors. They want remove the debt from my credit reports.
|
| 02/11/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX of XXXX submitted a debt to collections that was paid by my insurance company. I spoke to my health insurance company and confirmed check # XXXX was sent to XXXX XXXX XXXX on XXXX/XXXX/15 and cashed on XXXX/XXXX/15. I spoke a representative name XXXX with Ability Recovery Services in XXXX and explained the situation. She stated there is nothing she can do that XXXX XXXX XXXX has to close out the account. I spent two weeks attempting to reach a representative with XXXX and each time I called I received a voicemail with a recording stating the mailbox is full. I called back to Ability Recovery Service and spoke with XXXX who stated there is nothing she can do and that the account has to be closed by Advance Urgent Care. I advised her that is unacceptable and that she needed to do something about this. I told her that this is account is reporting on my credit and therefore affecting me in obtaining licensing needed for work. She said she " does not need to do anything '' and that she is " getting paid either way ''. I asked for her manager and she said " no '' she would only transfer me to the voicemail. I told her I will hold to speak with a manager. She said " that is not how it works '' and blind transferred me to the voicemail of XXXX XXXX. I left a voicemail message for XXXX XXXX the " manager '' and have not received a response at all.
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness.
I am highly requesting as a part of your investigation : Which Neighbor did personally interview?
Which Friend did you personally interview?
Which Associate did you personally interview?
The name of the original creditor The creditors ' address and telephone number.
The persons name they verified the dispute with The Valid documentation used to validate the dispute.
Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
|
| 04/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint against ABILITY RECOVERY SERVICES ABILITY RECOVERY SERVICES has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ).
All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to ABILITY RECOVERY SERVICES to FURNISH this account/item.
The DATE OPENED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND ABILITY RECOVERY SERVICES to delete this account/item within 4 business days ( Exhibits provided ) ABILITY RECOVERY SERVICES duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
|
| 08/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hello my name is XXXX XXXX DOB XX/XX/XXXX. Ability Recovery Services LLC ( XXXX ) contacted me on my cell phone. The first I heards of this debt was in XX/XX/XXXX/XX/XX/XXXX. I attempted to gather information regarding this debt ( {$1300.00}, account ID XXXX ) because I know very well what my family owes and this debt is not one of our debts. As I began to ask questions regarding the debt the representative told me this was a visit to XXXX XXXX XXXX XXXX XXXX on the first few months of the year XXXX. I informed her I XXXX XXXX have not visited a medical place in XX/XX/XXXX much less located in XXXX XXXX. The representative then asked me are you not XXXX XXXX DOB XX/XX/XXXX and this was a visit to this clinic in XX/XX/XXXX???? I responded absolutely NO! She then began to ask me what my date of birth was and I was very suspicious of these people trying to pin this debt on someone with the same name so i did not offer any personal information ( please do not share any of my personal information to them ). I did state to them this was not my debt and i was not paying for it, her response was then will see what you 'll do when it gets on your credit reports. I am outraged at his company and how they are trying to pin this debt on me and i did not even get sick in XX/XX/XXXX and i have not visited an urgent care center or nothing alike in XX/XX/XXXX.
|
| 02/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2019 I received a letter from Ability Recovery Services , LLC in reference to an alleged debt with XXXX XXXX. I called Ability Recovery Services and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by Ability Recovery Services, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX Township Police Dept. This is not my account, I want it deleted from all of my credit reports. I would file suit immediately in the XXXX Federal Court, but Ability is NOT registered with the state of Michigan and they have a history of default judgments in this district.
|
| 04/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Services is a debt collection Agency, located at XXXX XXXX XXXX, XXXX, XXXX or XXXX. XXXX XXXX in XXXX, XXXX, XXXX. The collect for XXXX XXXX located in XXXX The XXXX XXXX XXXX XXXX XXXX, GA XXXX. Sometime last year 2017 around XXXX, I was considering attending XXXX XXXX for their travel program. My mom got deathly ill and I never started. Well I received a bill from Ability stating that I owed {$800.00} ( and some change ) to them on behalf of XXXX. I told them I never started so I did not owe anything. They said since I didnt cancell, I owed but I could settle for {$310.00}. So I paid the {$310.00} on XX/XX/XXXX ( which was before 30 days ), so it would not go on my credit report. Once I received my credit report it showed I owed {$800.00}. I called Ability to ask them for a receipt to be sent to me via email to show I no longer owe any money on this account # XXXX. My account rep began to say he could not remove the {$800.00} off my credit report and lied to me that I would receive a paid receipt. Luckily I paid with a credit card and can show proof. He refused to update my credit report with the damaging information and was very nasty and rude and hung up on me. I have filed a dispute but am filing a report for fraud. I work in the legal capacity and this company should be shut down. A lot of complaints from others.
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This debt was previous disputed and removed by another collection company " XXXX XXXX '' because the original lender could not prove that I legally owed this debt, so after I disputed and resolve this debt. It was sold to another company " Ability Recovery Services '' and I ask then to do the same. XXXX did not do their due diligence in their investigation, if they did, then XXXX would have recognize that I disputed this debt before and it was removed cause the original creditor could not verify this debt and months later it was sold to another collection agency. I requested the collection agency 'Ability Recovery Services '' to provide me with several documentation : 1. What do I owe this money for?
2. Explain and show me how they calculated what they say I owe?
3. Provide me with copies of any papers that show I agreed to pay what they say I owe?
4. Provide me with any judgement, if applicable?
5. Identify the original creditor?
6. Prove that statue of limitations has not expired on this account?
XXXX has said they verified this information. I believe they never contacted the original creditor and they never provide me with a letter or letters from the original creditor.
I attached all the necessary documents as proof, to further prove that XXXX did not do their due diligence in verifying if this information is correct.
|
| 03/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/XXXX, the debt collector threatened to add this medical debt on my credit file, and stated my score would go down. I inquired about the debt collector sending me Proof of the debt. I received the document and reached to the creditor. I advised due to the Presidents XX/XX/XXXX, Executive Order on strengthening access to affordable, quality health care coverage, that the debt could not be added to my credit file for 2 reasons : 1. The medical debt is under {$500.00} ( {$480.00} ) and that the collection agency has had the debt less than 6 months ( They received it in XX/XX/XXXX ). In the Executive order the President 's Administration also noted the following, the Consumer Financial Protection Bureau ( CFPB ) will investigate credit reporting companies and debt collectors that violate patients and families rights and hold violators accountable. The CFPB has already issued a bulletin to prevent unlawful medical debt collection and reporting. A month before the Executive order was signed, the three largest credit reporting agenciesXXXX XXXXXXXX, and XXXXannounced that they will no longer include certain forms of medical debt on credit reports, removing XXXX of dollars in debt from consumer reports. This change covers borrowers with already paid debts, unpaid debts less than a year old, and debts paid or unpaid under {$500.00}.
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The fact that XXXX is the Worse Company to assist you with disputing Fraudulent accounts from your credit Is not even the big problem at this point besides all the times I've contacted them and the agents where very rude even requested a supervisor and had some hang up on me I provided them police reports waited 30 days for them to say the accounts are. A few months ago I noticed 4 fraud accounts on all 3 credit reports. I called all three CRA 's and they told me to file a police report if I think the accounts are not mine. I picked the police report up from the police department. I made copies and sent it to all CRA 's, I also included a statement saying that the fraud accounts are not mine, that they should be blocked immediately. XXXX and XXXX removed ALL fraud accounts, but XXXX started the '' dispute " process. The 4 Companies are Ars llc opened date XX/XX/XXXX XXXX XXXX opened date XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX and the fact that XXXX XXXX wrote a letter years back and had it notarized that he was responsible for this account and the fact that even with that XXXX still wouldn't assist with removing this debt the last company is XXXX XXXX date opened XX/XX/XXXX. The Companies all want to do pay to deletes They were trying to assist but besides me advising them that it was fraud they referred me to XXXX.
|
| 10/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been disputing with a collection agency by the name of Ability Recovery Services that has reported a bill in the amount of {$870.00} to the credit bureaus that is inaccurate. The company was contacted numerous times in writing and by telephone. I had submitted certified letters to the company dating XX/XX/2019, XX/XX/2019, and XX/XX/2019 and the company has refused to reply to any of the correspondence within 30, 60, and now 90 days.
In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Ability Recovery Services. And if this is a medical account, I have requested a copy of any HIPAA authorization that was allegedly provided by me.
Also, I had informed them that any negative marks found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Ability Recovery Services can not validate the debt, they must request that all crediting reporting agencies delete the entry.
Again, they have not sent any evidence nor have they responded to any of my letters.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file.
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file.
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 06/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was alerted by my bank last year that this company put a collection on my credit report. I contcted the business they were collecting for, XXXX XXXX, and I was told that XX/XX/XXXX could not do anything to erase this report even though they had the wrong person ( me! ) I finally received a notice about 4 months ago and got a phone number. I called and talked to a " supervisor ''. I explained that they have me confused with my son. After checking social security numbers on the account, they confirmed it was not me. This liar of a lady assured me she was going to contact the credit bureaus and send me a confirmation letter stating that this was not me and it should be erased from my reports.
I never received a letter, nor was it removed from my credit reports.
I contacted them this past Monday, XXXX XXXX, 2016. I talked to this oh so pleasant lady. Once we confirmed that my Social Security number was no where in the system and I had nothing to do with the account of my sons, she told me it was not their problem to call the credit bureaus and have it removed. It was my problem. She proceeded to tell me I was a no good parent for not teaching my son to put XXXX at the end of his name and then she hung up on me when I got loud with her.
This piece of horse dung company thinks they can bully people.
Not me!!!
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today XX/XX/2020 I reached out to Ability Recovery to satisfy a debt. This debt was accrued due to false, misleading information from XXXX University which led to me attending classes. After learning of the misleading, false information I ended my relationship with the institution. At that time {$5000.00} was charged to my account. To prevent negative information from reporting to my credit I began making payments as I can recall, because XXXX will not provide me with billing information I paid the account down {$3700.00}. XXXX sold the account to a collection agency and they are charging in access of {$700.00} I am still making payments and inquired in the {$700.00}. The representative immediately became rude and said I was giving him a hard time and hung the phone up. No one will tell me where the {$700.00} was applied. REP. XXXX informed they do not charge any fees and to contact XXXX to see where the money was applied. I attempted a conference call XXXX informed he cant do third party calls. No on will provide me with any information on the money I already paid towards the account and they are tellling me its just cheaper if you pay 2700+. Also I am currently making payments towards the account they continue to hang up as soon as they answer the phone and XXXX told me to get a life and pay my bills.
|
| 12/28/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2021, XXXX violated my consumer rights by reporting false and deceptive information to my consumer report from XXXX XXXX XXXX being the original creditor. Pursuant to 15 USC 1692a ( XXXX ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. I was also violated as a federally protected consumer pursuant 15 USC 1692c ( XXXX ) Communication with third parties -- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector ; meaning I did not give them permission to contact me nor did I give them consent to report anything to the reporting agencies ( XXXX, XXXX, & XXXX ). According to 15 USC 1692f Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing
|
| 02/27/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
Ability Recovery Services placed a collection account on my credit report. I received notification from XXXX on XX/XX/XXXX. On the collection account they listed XXXX as the original account holder. They listed recent dates on my collection account. They stated account was opened on XX/XX/XXXX and was updated on XX/XX/XXXX. I called them and they stated this was from over 5 years ago or more. They confirmed this was from XX/XX/XXXX at the earliest. I have lived at the same address for almost 4 years, and have had the same phone number for over 3 years. I have never ever heard from this company. I was under the impression my course was cancelled with XXXX because I beame totally and permanently XXXX. I think that Ability Recovery waited until I applied for a mortgage ( XX/XX/XXXX XXXX and then listed the account on my credit report because I was applying for a FHA mortgage and would have to pay before closing. I have also reported this to the Federal Trade Commission. With the reputation of XXXX being untruthful with students and issues with Ability Recovery Services, I think further investigation should be warranted. I have attached the listing from my credit bureau and also my total and permanent XXXX student loan information stating all my loans were forgiven due to permanent and total XXXX.
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX was contacted by the Attorney General in their state in 2020 to do the following : XXXX ) not contact me about a school debt due to the pandemic.
Additionally, I have received no correspondence from this company.
The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect during a pandemic.
They placed a collection on my credit report without communication with me.
According to the Bureau of Consumer ProtectioXXXX their collection process is erroneous and XXXX must prove they have a right to : XXXX ) Add fees of their own to the payment believed to be owed XXXX ) Collect from a consumer with no job during the pandemic in the state of Florida.
XXXX ) Attempt to collect any monies after the Attorney Generals office interrupted the process.
XXXX ) Prove they provided documents to me from a letter they wrote to their Attorney XXXX office in 2020.
If they continue to do illegal practices I will sue them in small claims court. Colleges and universities are canceling debt due to the 3 year pandemic. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit. This is harassment and illegal.
|
| 02/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Ability Recovery Services LLC is continually tarnishing my credit by reporting a " collection '' account to the credit bureaus which causes me adverse negative actions.
Ability Recovery Services LLC is attempting to collect a debt for XXXX XXXX from a name similar to my own.
I have submitted FTC Identity Theft Affidavits to the CRAs years ago and they deleted the fraudulent Ability Recovery Services LLC collection back in the year XXXX.
I have called Ability Recovery Services LLC back in XX/XX/XXXX and told them that I never done any business with the original creditor, never signed any contract. I also informed the debt collector that the debtor 's name is misspelled or similar to my name.
It is now XX/XX/XXXX, Ability Recovery Services LLC has again continued to tarnish my credit by reporting a collection account to my XXXX credit report with a {$1800.00} balance.
Despite telling Ability Recovery Services LLC that this is a fraudulent account and despite having to waste my time getting the credit bureaus to remove this information, Ability Recovery Services LLC continues to harass me, tarnish my credit report negatively impacting my life and forces me to waste my precious time making complaints to the CFPB, calling the credit bureaus, faxing information to the credit burueas, ect.
|
| 05/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XXXX / XXXX / XXXX a person called me from XXXX Abiility Recovery Services. Attempting to get pa yment from an ER visit for my son that took place o ver two years ago on XXXX / XXXX / XXXX . I have received no bill, no written communication, nothing in two years. He claims the doctors that treated my son were from a doctors group, they failed to bill and now could not bill as they were no longer associated with the hospital.
I became irritated with him as my son was fully insured and if they did n't bill him that 's their problem, additionally, why I am being bothered with this two years later?
He began berating me because I used the S word ... ..telling me that " I was speaking to a " legal professional '' with 20 years experience '' Then he said " I understand you are in a bad place, but it 's a bout to get much worse, ''. I asked him if he was threatening me and he said " if that 's how you want to play this ... yes I am. '' This is in direct violation of the law, I would like them fined and sanctioned immediately, Additionally, I 'm in a bankruptcy, The hospital where my son was treated was notified and filed no claim. When I told him this he said " How was I supposed to know that?? I 'm done with you ... .have your lawyer call me. '' And slammed down the phone in my ear,
|
| 11/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received notification Ability Recovery Services , LLC is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against Ability Recovery Services , LLC, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, Ability Recovery Services , LLC and XXXX XXXX. I will be retaining legal council! Ability Recovery Services , LLC is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
|
| 02/14/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability recovery services has reported an inaccurate debt collection account to my consumer report and while i have already tried disputing with the credit bureaus that they are listed on, ( XXXX, XXXX verified as accurate ) i have further researched about this company to make sure that they are in compliance with the fcra, national, and state laws reporting this account to my consumer report and found that Ability Recovery Services is UNLICENSED as a collection agency in the State of Florida. Per The FCCPA, it requires all debt collectors to be registered with the State of Florida. XXXX XXXXe XXXX stateXXXX XXXX of consumer collection agencies required ; exemptions. ( 1 ) A person may not engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( 2 ) Each consumer collection agency doing business in this state shall register with the office and renew such XXXX annually as set forth in s. XXXX Referenced from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am a resident of Florida and currently my rights are being XXXX. I have attached my drivers license and utility bill as proof of residency.
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Ability Recovery Services claims that their client XXXX XXXX XXXX ( who they " represent '' ) has bought this debt, so a person would not owe this alleged debt to Ability Recovery Services, their client or the assumed original creditor ; Ability Recovery Services just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave them permission to have my personal information, that is a violation of my right to privacy pursuant to 15 USC 1692a. Furthermore, Ability Recovery Services just admitted to participating in conspiring against my rights with their client, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028, by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Delete this alleged debt from all of my consumer reports immediately and terminate all further collection efforts.
|
| 04/11/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). I am legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Ability Recovery Service can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts, I will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A. extortion, theft by deception, securities fraud, and mail fraud. Also do you have a SSA - 89 Form can u please tell me you have this on file. Upon the receipt of documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are both requested and required. Ability Recovery Service # : - XXXX
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is inaccurate information on my credit report being reported by Ability Recovery Services. I have contacted the company on various occasions about the account in question, and the company has failed to respond within the required 30-day time limit. I am requesting yet again that the account in question be deleted from my credit report immediately. I have sent multiple validation letters to this company, none of which the company has responded to with validation. I contacted the company on several times. I have no agreement with the company or any of its affiliates. In addition, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX dispute letters were sent to XXXX and XXXX. As of XX/XX/XXXX, no documentation has been sent to validate this account. It has been more than 30 days without receiving an accurate response from the company. The company has failed to comply with the requests for validation letters I sent, and in failing to validate this account within the 30 days. The company is reporting reporting false and inaccurate information on my credit report. I am requesting removal from my credit report. This company is continuing to violate my rights and causing me undue hardships mentally, emotionally, and financially by continuing to do so.
|
| 12/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My First Issue : I pulled my credit and found this collection on all three credit reports. I have never received any paperwork or a call, from this company, nor do I know what this collection is for. I tried to call the number on my credit and I get voicemail. The account shows the original creditor is for XXXX XXXX XXXX. I have state insurance for my girls and XXXX XXXX/ XXXX XXXX, So I would have never received a bill from this original for anywhere near this amount. I would have like to be billed properly and have a chance to dispute any amount claimed that I owe.
My Second Issue : This collection company is reporting differently on all three credit reports. For example : on my XXXX, the name of the company or what the account is for does n't come up. It states that is a collection for XXXX. On XXXX XXXX, it reports a completely different company with the same account number and address as on XXXX. On XXXX, is shows the full account. I 'm about to purchase a home, and the mortgage company wants to know why it shows three different companies have the same collection. Because of this incorrect reporting by the collection company, I show that I owe a total of XXXX in collections not the XXXX. I want all of the accounts removed off my credit reports.
|
| 10/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I tried to reach a settlement for some type of medical bill that hit my credit last week but was dated back to 2015. I can tell its a small office because I kept getting the two same rude employees. The guy said his name was XXXX and the girl said her name was XXXX, but I dont believe either of them. She kept hanging up on me when I asked for a supervisor after she was refusing to give me information on the bill and wouldnt give me a settlement amount. She said, Nope, {$830.00} Im full, have a good day ( sarcastically ) and she hung up in my face. Even when I told her she was being recorded she still hung up. The guy was just as rude and when he picked up and I asked for a supervisor he transferred me to her I guess trying to be funny. I need to reach a settlement amount with this company and once its paid I need to make sure they dispute it off of my credit. The employeees there are NASTY, and those two need to be terminated. I remember the womans voice distinctively. Can someone please help me resolve this issue! I went on the BBB website they had one positive comment, and 146 complaints. And many recent. And they were complaining about the same two people! Something isnt right. The name of the company is ABILITY RECOVERY SERVICE in Wyoming, PA.
|
| 02/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX, 2023 : I received a debt collection letter from ABILITY RECOVERY SERVICES and XXXX XXXX XXXX XXXX.
XXXX XXXX, 2023 : I mailed a letter to ABILITY RECOVERY SERVICES, XXXX XXXX XXXX XXXX, disputing the debt and denying that I owe it to XXXX XXXX XXXX. Also in this letter, I demanded that ABILITY RECOVERY SERVICESXXXX XXXX verify the validity of this debt in writing within 30 days and submit a copy to me at the address below. I also asserted my rights under HIPPA and demanded a copy of the HCFA-1500 used to make decisions on my behalf and made part of my designated record set, within the next 30 days. I further requested these items : 1. Provide a billing statement which matches the balance being claimed.
2. Provide an itemized list of services with the charges that XXXX XXXX XXXX XXXX claims to have provided, that total {$4000.00} OR provide the itemized list of services with their charges and any partial payments my health insurance company and I have already made towards these charges.
My letter was not returned from sender, so it would have arrived. Further, this company ignored my dispute, provided no documentation to me and recently reported this debt to major credit bureaus without stopping collection and validating the debt.
|
| 08/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A false debt appeared on my credit report from ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX for a medical bill that I never had. I was never a patient at this practice, never received care from This practice and even the XXXX determined that this company is illegitimate. This medical bill is fraudulent and fictitious. This bill is not real. No one ever tried to contact me or send me any information. This just randomly appeared on my credit report for no reason at all. Completely fake. My insurance covers All of my medical expenses! This is a fraudulent account that does not exist. Please remove this from my credit reports. It is not real. One of the credit companies has already removed the information from my report because it is not real! It is fraudulent! Please Help! This company is creating false debt using clinics that went out of business and no longer exist, they steal your information and create false accounts and then place the accounts in collections! They never contact you, they just destroy your credit and try to trick you into paying XXXX of dollars for fictitious accounts that they created by stealing your information! The accounts are not real, they are created illegally! A class action lawsuit should be the next step!
|
| 12/06/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My chapter XXXX bankruptcy was XXXX in XX/XX/XXXX, I contacted fastunsecured.com around XX/XX/XXXX for help in cleaning up credit, at the time they said I would need about XXXX ( I did n't have ) for them do do any work on my credit. They said they might be able to help me get the funds for them to do the credit repair work. They ended up applying to a bunch of credit card companies on my behalf ; Like XXXX express, XXXX ... I 'm not sure how many in all might have been XXXX or more companies. I received not XXXX single approval form any of the companies they applied to. XXXX now want me to pay them {$11000.00}, they have turned my so called account they claim I have over to XXXX XXXX XXXX XXXX, a collections company ... XXXX has now further damaged my credit report by placing this Scam {$11000.00} on my report. XXXX claim that because I did not forward to them all the denial response I received from the numerous companies they applied to, I owe them this obscured {$11000.00}. I want/need this company to remove their garbage collection from all XXXX of my credit reports now. Like I said I just got my bankruptcy XXXX and I am trying to get my life together I do not have time or energy to be dealing with this nonsense from them. So please help me.
|
| 03/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted my 1st complaint with Ability Recovery Services ( XXXX ) asking for VALIDATION as I'm entitled to. They stated in their response that they sent me itemized bills, which does not qualify as VALIDATION per the FCRA. I then submitted complaint number 2 ( XXXX ) letting them know that the itemized information they sent me does not qualify as validation and per the Federal laws concerning the FCRA, they are supposed to send me information bearing my signature that proves that I am the one that owe the alleged debt. This erroneous reported information has negatively affected my credit score and my inability to purchase a home. It has been over 30 days since I submitted complaint number 2 and Ability Recovery Services stated they would send me proof of VALIDATION. They have not done this and because of that, by law they have to delete all negative reporting accounts from all credit reporting agencies. If this goes unanswered, I will be contacting the XXXX and my attorney is on standby to get involved. I can no longer have items that do not belong to me reporting negatively affecting me. Below is a link to the federal laws concerning the FCRA.
https : //www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services , LLC has been violating me as a consumer under the FDCPA as follow : 15 U.S.C 1692b ( 2 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC STATING THAT I OWE A ALLEGED DEBT.
15 U.S.C 1692c ( 1 ) - ON XX/XX/2021 ABILITY RECOVERY SERVICES , LLC DID NOT HAVE PERMISSION TO CONTACT ME.
15 U.S.C1692d ( 2 ) - I DID NOT LIKE ABILITY RECOVERY SERVICES , LLC TONE WHEN I READ THE LETTER IN THE MAIL.
15 U.S.C 1692d - ABILITY RECOVERY SERVICES , LLC IS ADVERTISING MY DEBT TO COECRE PAYMENT OF THE DEBT ON MY CONSUMER REPORT.
15 USC 1692B. ( 5 ) - ABILITY RECOVERY SERVICES , LLC IS ARE USING LANGUAGE AND SYMBOLS TO INDICATE THAT THEY ARE IN THE DEBT COLLECTOR BUSINESS.
15 USC 1692g- FAILED TO SEND ME THE REQUIREMENTS/ABILITY JUST SEND ME A CONTRACT. DID NOT GIVE ME ENOUGH INFORMATION TO VALIDATE A DEBT.
15 USC 1692k - ABILITY RECOVERY SERVICES , LLC NEEDS TO COMPENSATE ME FOR RUIN MY CONSUMER REPUTATION AND MY FINANCIAL INJUry.
ALSO, THEY ARE SAYING THE XXXX IS THE Original creditor but in reality, I am the original credit according to 15 USC 1602 ( f ) and I do not owe this alleged debt. See attachments for proof that Ability is in violation of FDCPA and Affidavit of Truth was sent to Ability recovery services.
|
| 02/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I called Account Recovery Services on XX/XX/XXXX to inquire about a Collection Placed on my Credit Report. They told me it was from a XXXX XXXX in XX/XX/XXXX and for a total of {$310.00} They claimed to have sent me a notice about this but I never received anything via mail or phone calls. I was then told they had the wrong phone number, either way I was never given a chance to dispute this and it just came up on my credit report out of nowhere on XX/XX/XXXX They gave me information over the phone but refused to send any actual physical paperwork to me. I'd be willing to pay to clear this up if it is indeed my debt, but I was told I won't be sent any paperwork saying that until I pay. And they will only send it via email and not a physical hard copy. They then wanted credit card payment over the phone right away and I'm not entirely sure this collection is even accurate.
I've contacted the original facility that Account Recovery Service said this debt is from and they have no records showing any outstanding debt or even a visit from me during this time frame. I also contacted the hospital 's internal and external billing departments and no one shows any recorded visits from XX/XX/XXXX or any past due bills from that time frame
|
| 03/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Starting in XX/XX/XXXX I started receiving calls from ability recovery solutions regarding a Medical bill they claimed wasn't paid and I told them I was approved for SSI and Medicaid in XX/XX/XXXX. I had been fighting for XXXX for a few years altogether, and they backdated the Effective date for Medicaid back to XX/XX/XXXX they told me to call the hospitals and have them pull the accounts they had sent to collections back and file them with Medicaid instead. The hospital that the bill came from told me they pulled them all back and they were paid and closed. Well, I started getting calls from the collection company, and when I said to them that debt was paid they got rude and said to send proof to them, then they might close it. But when I tried to communicate with them about it they got hateful on the phone and threating towards me, and I called the hospital the bill came from, and they said they shouldn't be collecting on that debt, and they tried to contact them. but they refused to take it off my credit report and kept calling multiple times daily threating legal action and hurting my credit and because of them, my credit score dropped down really low. Also, they never sent proof in the mail about the debt when requested
|
| 02/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company has been calling me incessantly for months now. They call and as soon as the call connects to a representative, they hang up ... as though they are trying to force you to call them back. I spoke with an agent on XX/XX/XXXX and asked who they were. They advised me that they were calling regarding a debt from XXXX where I owed {$130.00}. I advised them that their claim was fraudulent as I have been insured for the past 15 years through the same company and my maximum co-pay amount is {$100.00}. I further advised them that this debt was settled through another company XXXX XXXX. They hung up on me and have proceeded to call me multiple times daily since. I contacted XXXX regarding they debtor. XXXX conducted an investigation and found their claims to be fraudlent and deleted the collection from my credit report. Today, XX/XX/XXXX, the same thing happened. I spoke with a representative and advised her that I was going to report them to the XXXX XXXX XXXX and the representative told me to go ahead and hung up on me. I am tired of being harrassed by this agency, who clearly does not own this debt!!! They are scammers who are trying to bully me into paying a false debt ... and damaging my credit to make matters worse!
|
| 01/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX/XXXX/2016, I received a debt collection letter from Ability Recovery Services , LLC, in XXXX. The letter was addressed to a similar name to mine. However, there is no one residing with me ( and never has been anyone residing with me ) by the name on the letter. Through my work, I know that Identity Thieves do not always get the names correct and felt that I was a victim of Identity Theft. Therefore, I checked my credit report through XXXX and found that this debt collection had been reported to the Credit Bureaus. After contacting Ability Recovery Services ' client, XXXX XXXX, it was found that a person with a similar name to mine had enrolled, but the address was in XXXX, XXXX ( a PO box ). Also, there were no Social Security numbers associated with the XXXX XXXX account.
My complaint is : 1 ) Ability Recovery Services reported this debt collection to my Credit without a Social Security number that would link this debt to me ; 2 ) this debt is not my debt ; 3 ) Ability Recovery Services degraded my Credit score, dropping my score from " XXXX '' to " XXXX '' ( XXXX points ) ; 4 ) as of this complaint, 5 ) Ability Recovery Services has not removed this from my Credit, which they advised me would occur by this date.
|
| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is ABLTY RECVRY was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ABLTY RECVRY failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of FLORIDA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ABLTY RECVRY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ABLTY RECVRY is held liable as well for defamation and in the state of FLORIDA allows for serious fines ABLTY RECVRY is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. ABLTY RECVRY has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
|
| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I called the company to try and get more information about the debt because I felt that this debt had been paid through a Federal Student Loan. The account manager, XXXX XXXX, felt differently. She was very hostile, raising her voice and insisting that she was not removing it from my credit report. I advised her I made the dispute through XXXX XXXX because of this reason and she flew off the handle. I asked her to not be so hostile, that it wasnt necessary and she insisted that she wasnt. However, when she continued to accuse me of trying to not pay the debt and I kept trying to explain that, I am just trying to get more information, she agreed that now she is getting hostile because she doesnt need to hear me say it one more time. I told her, at XXXX months XXXX, I dont need to be treated this way or be yelled at in such manner and she continued to tell me she wasnt going to sit on the phone because I am XXXX and she doesnt want anything to happen because of her. Overall, she said shed send me a letter from the school certifying the debt, which if she had been kinder and more forward about that from the start, it would have been what I was asking for. I dont think this behaviour is acceptable or productive.
|
| 10/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX, XXXX I received a collection for 1200 something dollars so i began to dispute it. Next time i checked my credit report it was gone, but XX/XX/XXXX the collection reappeared. I contacted to original creditor that was listed on my report and was told they couldn't help me, that i needed to contact the collection agency. I continued to do so and recieved very unprofessional rude service. The account they reopened has a amount of XXXX XXXX When i spoke to them they claimed i owed pennfoster, i was confused because it was a pay as you go course cancel anytime which i did. They only required you pay in full once completed in order to recieve your diploma, which i never recieved because i never completed it and canceled. For one the course was XXXX $ so i don't know why their claiming XXXX XXXX I never signed any paperwork for said course, it was only required upon completion for the diploma. This was not a loan. I never recieved anything from these people. They admitted to me they open multiple accounts for this same debt. I just sent out a validation/verification letter to the agency on the XXXX of this month. If you could please assist me it would be much appreciated!! Thank you for your time!
|
| 06/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
hello my name is XXXX XXXX I am a XXXX year old male with very limited funds. i thought about pursuing a career in XXXX at XXXX College online school. i only enrolled but i never started the courses or used any materials and their system will show that i have never used their services. the class once finished was supposed to be priced at a cost of {$870.00} for full tuition yet Instead of cancelling my account after noticing i havent started the class or used any materials they send the full tuition debt to collections for {$870.00} which i feel is unfair and unethical practice and I paid an initial cost to enroll but never used anything so why would they pursue payment for a service that wasnt used at all .their system shows proof that i never used it. i am now being contacted multiple times daily by a company called Ability Recovery Services LLC. I could understand if i even started and read the first page of the course but the fact that i only enrolled but never used anything yet they expect full tuition is outrageous. I think any company that is selling a service such as pace by pace course online should never charge a consumer for materials or courses never used at all. i only enrolled.
|
| 06/24/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was down to owing XXXX XXXX XXXX back in spring/summer of XXXX when I had a death in the family. In XXXX of XXXX, XXXX XXXX contacted me and said if I pain 80 % of the remaining balance, {$280.00}, they would mark the loan as paid in full and close the account, so I did and they sent me a receipt. Now suddenly, 6 months later in XX/XX/XXXX, a collection agency Ability Recovery Service starts reporting to all 3 credit bureaus that I owe THEM the {$360.00}. I have tried to call the number that they list, but it comes up either busy like it's off the hook, or no one answers.
THIS IS FRAUDULENT and unfair and an attempt to collect on something that has already been paid. I WILL NOT pay twice and the fact these people NEVER WROTE to me, called me or contacted me says it all.
I want it taken off my credit report. And I want credit reporting businesses like XXXX XXXX, XXXX and XXXX to be held responsible. Apparently they will just take ANYONE 's word WITHOUT ever ACTUALLY verifying information. I could send them a letter saying my ex-husband owes me {$36000.00} and they would put THAT on his credit report. SHAMEFUL!!!!! Goes against EVERYTHING the FCA is suppose to protect consumers from.
|
| 12/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently, I noticed that there was a collection account on my credit report. I reached out to the company and asked for a validation of the debt. I received the letter, however, the letter comes from Ability Recovery Services LLC but the current creditor is showing as XXXX XXXX XXXX, XXXX. This seems very scammy. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.
Additionally, I am allowed under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is XXXX folded and as follows : Validation of Debt and HIPAA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me
|
| 02/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
THIS COMPANY KEEPS REPORTING TO MY CREDIT FILE THAT I HAVE A DEBT COLLECTION WITH THEM, HOWEVER THAT IS INCORRECT. I ASKED THIS COMPANY BACK IN XX/XX/2019 TO PROVIDE ME WITH DOCUMENTS THAT PROVE THIS IS MY ACCOUNT, WHICH THEY DID NOT DO AND I KNOW THAT I HAVE RIGHTS TO ASK FOR THESE DOCUMENTS AS WELL AS I KNOW THAT CREDIT BUREAUS ARE SUPPOSE TO VERIFY THAT THE ACCOUNT IS MINE, HOWEVER IF THE CREDIT BUREAUS ARE GETTING THESE DOCUMENTS WHY HAVE I NOT SEEN THEM. I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY WITH DIFFERENT CREDIT BUREAUS AND THE DEBT GETS DELETED BUT THEN THE DEBT COLLECTOR ADDS IT AGAIN AS ITS A NEW COLLECTION WITH A NEW OPEN DATE BY THE SAME COLLECTOR ( THE ACCOUNT WAS NOT SOLD TO ANOTHER COLLECTOR SO HOW IS THIS POSSIBLE? WHEN IN FACT IT IS NOT. CREDIT BUREAUS NEEDS TO PAY MORE ATTENTION TO WHAT THEY ARE DOING TO PEOPLES CREDIT FILE BECAUSE THERE ARE PEOPLE OUT HERE WHO DEPEND ON THEIR CREDIT. I REFUSE TO KEEP LETTING THIS COLLECTOR RUIN MY CREDIT WITH DEBTS THAT ARE NOT MINE. I WANT TO SEE PROOF AND I HAVE THAT RIGHT TO.AFTER YOU INVESTIGATE THIS MATTER PLEASE FIND A WAY TO HAVE THIS AGENCY STOP REPORTING FALSE DEBTS THAT I DO NOT OWE. THIS COMPANY HAS REPORTED THAT T
|
| 02/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I sent Ability Recovery Services a certified letter requesting information on a collection of {$610.00} that is on my credit report. I asked for proof showing that this is my debt and I also asked that if they couldn't provide me with this information, to please remove the collection from all 3 credit reports so that they can reflect accurate information.
On XX/XX/XXXX, Ability Recovery Services responded with a bill from their company and also a bill from the XXXX XXXX XXXX , XXXX, the collection agency that they purchased this account from, but I didn't receive anything from the original creditor where it shows that this is my account/charge/bill.
I then submitted all of this information to all 3 credit bureaus, XXXX, XXXX and XXXX. The credit bureaus disputed this with Ability Recovery Services as well and they couldn't provide the credit bureaus proof that the account was indeed mine. On XX/XX/XXXX, I am writing CFPB to get them to remove this {$610.00} charge off of all 3 credit bureaus since they don't want to voluntarily do it and they can't provide me with proof.
My certified letter was sent to : Ability Recovery Services XXXX XXXX XXXX.
XXXX, PA XXXX XXXX
|
| 11/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Good Day, Thank you very much for allowing me to register this complaint with the CFPB on my behalf regarding the debt collection company Ability Recovery Services , LLC. This company has repeatedly sent me a copy of a contract agreement that does not contain any agreement to pay XXXX, XXXX for an alleged debt.
I have requested that they forward me a signed contract, by me, to pay XXXX, XXXX and they have refused to do so. Additionally, I have asked for proof that this company is authorized and licensed to operate in my state to attempt to collect this alleged debt.
I have requested to receive information regarding how they obtained my personal information without my signature to provide permission to obtain my personal data, which they have ignored as well.
I have informed XXXX, XXXX that without proper VALIDATION, which has not been provided regarding this matter, they must stop all of their illegal attempts to contact me via email, mail, or phone and discontinue reporting this alleged debt to the credit bureaus immediately because they are committing a violation of my privacy rights and they are engaging in character XXXX.
Thank you for your assistance in this matter.
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from Ability Recovery Services, dated XX/XX/XXXX, regarding tuition payment I owed to XXXX University. The letter I received stated that I owe {$2900.00}. Because of medical issues I was not able to pay the bill until XXXX. I started paying every week as I got paid. Based on the letter, I only owe {$470.00} to pay the account off. I have already paid {$2500.00}. I have submitted a dispute with XXXX and XXXX because the amount I owed on my credit reports were not correct. On XXXX XXXX, I contacted the collection agency about correcting the amount owed on my credit report. They informed me that I owed XXXX XXXX plus dollars because of charges XXXX added to my account. However, the letter they sent me does not reflect that. I contacted XXXX they can not pay me the amount I owe. They are saying whatever the agency says I owe, that is what I owe. They could not even tell me the amount of charges that may have been added. I should have been told in the letter and up front when I call The collection agency to settle the account the amount if extra charges and fees were added. I have attached the letter I received and the records of my payments I received from XXXX.
|
| 07/05/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.
|
| 08/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Collection agency has been harassing me since XX/XX/XXXX. This debt was expunged from record by XXXX in XX/XX/XXXX.
Same agency sends more notices but under different agency name, same phone numbers on letter. I called several time. They told me to send them copy of my insurance card that I have had since XXXX. I have XXXX and XXXX XXXXXXXX. I sent this to them by email.
I have requested medical records from hospital and have never received my records. Requested in beginning of XXXX and called several times to follow up and see where are my medical records from XXXX for this bill they say I owe. Have received nothing by USPS. Nothing!!!!
XXXX expunged this in XXXX. Completely removed!
Now it is listed on my report again that I owe {$830.00}.
XXXX ) Sent them collection agency XXXX card.
XXXX ) Requested medical records by emailing and calling and spoke to person. Nothing has been received at all.
XXXX ) I do not even know what I am being billed for since I have not received complete medical records from hospital. My insurance info was sent to collections. I do not owe this bec I have received nothing from hospital!!!!
This fake debt was removed by XXXX in XXXX!!!!!
|
| 08/05/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I enrolled in XXXX University XX/XX/2017. I was only in the class for three days and requested to be withdrawn from the course. My adviser received the email but failed to withdraw me. XXXX tried to get me to pay even though I withdrew before payment was necessary. They admitted the mistake but continued to claim that I owe {$1400.00}. It has now been reported to Ability Recovery Services. I tried to talk to XXXX and get the matter resolved but they would not help me. When I was added to the course I was added late according to XXXX. Upon being added late XXXX now states that I was added after the date and am not entitled to a window of withdrawal. XXXX did not inform me of this when I signed up for the course. When I spoke with my adviser on the phone she stated that I would not have to pay and that late add students are entitled to the equal opportunities that regular students are. I am now being attacked by this debt collector after being lied to by XXXX. I proceeded with due diligence and read the policies and it did not have a policy for late add students. All I want from XXXX is for the debt to go away and to have equal opportunity in their educational entity.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to call me or commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and a collection activity, of this and any alleged debts until Ability Recovery Service can provide sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts. I will file for litigation for actual damages caused and Ability Recovery Service will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 01/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by Ability Recovery Services over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.
I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it.
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred.
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license.
I told them that I dispute the debt.
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything!
They refuse to show the collections reported to the bureaus as being in dispute.
|
| 10/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
on XX/XX/XXXX I received an alert that a new collection report was added to my credit report. When viewing the report I saw the collection company so I proceeded to contact the company, the lady who answered told me they been trying to contact me since XX/XX/XXXX but had no luck. I asked if they left messages she said no then she told me they sent letters about my " supposed debt owed '' to an address I do not reside at. She told me I owed {$800.00} but wouldn't tell me who or what it was for and just wanted me to pay it. I repeatedly asked for a manager to which she told me she was not going to give me a manager I had to deal with her. She stated the debt was from XXXX to which I replied with the debt is out by time isn't it? she said no and I said if you do not provide me with any information I am not going to pay to which she stated that " I need to get a job to pay my XXXX bills '' and some other words. I then said she was being very rude to which her reply was your momma 's a XXXX so get off the phone. I then kept asking over and over for a manager she finally hung up. Every time I call back she is the only one who picks up the phone it seems like a scam.
|
| 07/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$750.00} and {$340.00}, in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agencies phone representatives hang up in my face if I do not acknowledge the debt, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency refuses to assist with a validation in efforts to run out the time to request validation. This agency should be fined and ashamed as I have seen this agency do this to multiple people violating the rights we have as debtors and limiting the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what could potentially be older, non-obligated debts.
|
| 09/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received eight alerts from different sources informing me that there had been a change to my credit report. I logged in to find that there was an erroneous collection account from Ability Recovery Service for an alleged ambulance service with XXXX XXXX XXXX dating back to XX/XX/2019. I contacted the collection company and they would not provide me with any information as to where I was supposedly picked up from or where I was supposedly transported to. I spoke with an attorney and as was advised that this information is not a violation of HIPAA even though the collection agency said that it was. I called the ambulance company directly and they said that they dont have records dating that far back. This negative information has been placed on my credit in the amount of {$1000.00}, and I have never received a bill from either company or a phone call from either company and I find this extremely suspicious and want this information investigated immediately. I spoke with a supervisor at the collection agency and when I mentioned that I would be involving an attorney, he became very defensive and said that he was going to end the conversation.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to dispute the validity of the debt associated with Ability Recovery Services. I recently became aware of this collection entry on my credit report, and I believe there may be errors or inaccuracies in the reporting.
I am formally requesting that Ability Recovery Services provide me with the following information : 1. Verification of the debt, including the amount owed.
2. Copies of any documents proving that I am legally obligated to pay this debt.
3. Details of the original creditor and their contact information.
I also request that you provide me with a written statement confirming that the debt is not being reported to any credit bureaus during the investigation period.
Please note that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt and request verification. I expect Ability Recovery Services to comply with this request within 30 days.
If you are unable to provide the requested information, I demand that you remove the collection entry from my credit report promptly.
Your cooperation in resolving this matter is appreciated. I look forward to your prompt response.
|
| 12/14/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I withdrew from XXXX University in late XX/XX/XXXX/early XX/XX/XXXX ( see attached ) due to misrepresentation on the part of the University regarding cost and attendance at residencies. I submitted the withdrawal form requesting any further contact from them be via my personal email, home address and/or home phone. I never heard from them.
At the end of XX/XX/XXXX I received a letter from Ability Recovery Services stating they had been retained by XXXX University to collect a debt of {$4500.00} and that I had 30 days to dispute the claim. I sent a letter ( see attached ) return receipt requested ( see attached ) requesting information. I never received a response. At the end of XX/XX/XXXX I sent another letter ( see attached ) also return receipt requested XXXX see attached ) stating since they had not furnished the requested materials to not contact me. On XX/XX/XXXX, I received a 10-day letter from Ability stating they were going to " commence the collection process ''. Additionally, I have received two calls from a XXXX XXXX at Ability, which I have not returned as they did not furnish the documentation requested regarding the debt allegedly owed.
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had my credit report pulled from the credit bureaus, to see what was on my report as I was in the beginning stages of a homeowner program. I noticed that there was a collection debt reported by a Company called Ability Recovery services for the amount of {$1000.00}. I have no knowledge of this debt so I sent Ability Recovery a validation of debt letter, this letter was sent to them on XX/XX/XXXX and I waited 30 days and received no response from them, regarding the validity of the debt. I again sent out validation of debt letters again on XX/XX/XXXX and XX/XX/XXXX, with both resulting in no response again from Ability Recovery Services in regards to the validity of this debt. The homeowner program advise me to send a admission of silence letter to them, which was sent on XX/XX/XXXX and they did not respond to that letter either. However they continue to report this debt to the credit bureaus as verified while they have repeating violates my request for proof of validation of this debt. I would like Ability Recovery Services to remove this debt from my credit report since they have denied me my right to receive proof of validation of this debt.
|
| 08/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
THESE ACCOUNTS WERE OPEN BY THIEF AND NOT ME. There has been multiple collections placed on my account from XX/XX/19 for {$130.00} XXXX XXXX, XX/XX/19 for {$840.00} Ability Recovery, XX/XX/19 for {$760.00} ( XXXX XXXX XXXX ), XX/XX/19 for {$1600.00} XXXX XXXX ( XXXX XXXX XXXX ) with no valid documentation provided!!!. IVE REACHED OUT TO THE COMPANY TO INFORM THAT IM UNAWARE OF THE DEBT, IM FULLY INSURED AND HAVE NOT BEEN HOSPITALIZED TO OCCUR SUCH DEBT OR TREATMENT. IVE EVEN WENT AS FAR AS DISPUTING ON MY CREDIT REPORT TO NO RESPONSE..I AM PUNISHED WITH A LOW SCORE THAT HAS IMPACTED MY LIFE TREMENDOUSLY, I CANT EVEN GET MY FIRST CREDIT CARD BECAUSE OF THE MALICIOUS FRAUDULENT INFORMATION ON MY CREDIT REPORT! I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT OF THE REPORTING ITEMS AFFECTING MY SCORE MY LIVELY HOOD IS IN SHAMBLES DEALING WITH THIS. VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT IS REQUESTED, I DEMAND TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A INK SIGNATURE ON IT. COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE PROOF I SIGNED AND CONSENT!
|
| 06/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX was a school i was attending to online for a month. After the one course was over they decided to update the website and would not work with my XXXX that i just purchased in order to attend school because they said that will work for all classes. Once the update was done i could not attend to any part of the classes, i could not get to any part of the class work or homework. I was unable to take exams. I reached out to them many times to state that this was happening and all they told me was to go purchase a laptop. I decided after that to withdraw from the entire program within their tie period of dropping the program so i do not owe money. They continue to charge me, even when they knew i was not attending. I have also emailed them say i should not be charged because i withdrawn within the appropriate time frame given. From there they sent everything off to collections without proper acknowledgement that that was happening. No phone call, no email, no written statement. I have been trying to get this written off my collections and gone because i have no knowledge of the collection and should not owe a school any type of money.
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, Back on XX/XX/XXXX I did a tenant screening with XXXX XXXX and found that a Company named Ability Recovery Services is claiming that I owe XXXX University. I was at XXXX University for one semester and Financial aid covered the cost and made my account balance for the school XXXX. The Financial aid loan is also through XXXX my student loan provider and since I am actively in school the loan is in deferment. Fast forward to three to four years later and this company is trying to capitalize on a student loan that is already with a provider. When I reached out to XXXX I was told my balance was XXXX and have the screenshots of the balance and proof showing financial aid did their disbursement and I was only there for one semester then left with a XXXX balance. I was never enrolled in any classes. I disputed this with credit bureaus and when tried to contact no one is answering and I am ready to take this as a legal matter because it shows this loan is clearly loan Letter I number 11 on my Department of education XXXX student loan. Someone needs to look into this company as well as XXXX University for reporting false information.
|
| 11/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I recently had a Collection appear on my XXXX Credit Report as of XX/XX/XXXX from Ability Recovery Service. I have never spoken with this company prior to this date, nor have I received any written correspondence regarding alleged debt.
I contacted the company and I was hung up on and was spoken to rudely when I attempted to get information as I have no knowledge from this alleged debt from this company or the original creditor. After reviewing my records, the date of service that they alleged is not one that is in alignment with the last time I was in the hospital after an automobile accident in which that debt was paid so this appears to be an error. I also received nothing from the original creditor. I received no notice or validation of this debt from this agency or the original creditor. I have no knowledge of this debt. Upon finally being able to speak with someone, they confirmed they in fact allegedly sent information to the incorrect address so I have no knowledge of this debt. They said the debt is from XX/XX/XXXX but have it listed as XX/XX/XXXX on my credit report so they are also modifying dates to reage the account.
|
| 02/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I woke up this morning with a credit alert in my email. The alert was from XXXX about an account by Ability Recovery Services. The original debt supposedly was from XXXX XXXX. They are claiming I owe {$1200.00} from classes? I dealt with these people years back, before 2012. I had cancelled the program. Now they contact me 5 or more years later and just listed this on my credit report. Its interesting to note that this is the first time I have ever heard of this. I would like to see proof of my original signature and other information to prove this debt is mine. Like I said, years ago I had contacted them about a program, but cancelled it because credits would not transfer to a state university. I was XXXX with a XXXX XXXX in 2012, and know I would have not signed up for a school program. Half the time, a can not even see to read books and other information. XXXX XXXX was also involved in a class action lawsuit for deceptive and misleading conduct. Maybe the governement should look into the relationship between Ability Recovery and XXXX XXXX. I think they are trying to scam people. Do the research, it is all over the internet.
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
XXXX
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Ability Recovery Services has violated FDCPA by reporting a debt they could not validate to credit bureau 's. Ability Recovery Services is using a false instrument to collect a debt that does not contain my signature. I would also like to point out that the instrument they use is also a contract of an agreed XXXX months which I have already have submitted proof of payments. They have also reported to XXXX " Status as of XX/XX/XXXX - Unpaid : Date of 1st Delinquency XX/XX/XXXX ''. I have enclosed 'FACT ' information to their 'Delinquency claim of XX/XX/XXXX ' that it was paid the month prior and after XX/XX/XXXX.
Since I 've contacted Ability Recovery Services of their shady practice of submitting a false instrument to collect a debt they have ceased contact with me but the information still remains on my credit report.
I 'm submitting FACTS:1. A contract that does not contain my hand writing signature2. Proof that I paid for services of the two months in the contract they submitted.
3. XXXX Report containing delinquency they reported as of XX/XX/XXXX, along with my proof of on time payments of XX/XX/XXXX
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have encountered with a collection agency Ablility Recovery. Despite sending them a debt validation letter requesting proof of the debt on XXXX they are attempting to collect from me, I have not received any response from them even though it has been more than 30 days since I sent the letter. I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires collection agencies to respond to debt validation requests within 30 days of receiving them. I am concerned that this collection agency is attempting to collect a debt from me without providing me with the proper documentation to prove that the debt is legitimate. Furthermore, I am requesting that the collection agency delete this debt from their records as they have failed to comply with the FDCPA. I believe that this is a fair request given the circumstances, and I ask that you investigate this matter and ensure that the collection agency in question is held accountable for their failure to comply with the law.
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
|
| 03/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I am writing to you because I noticed there is a needed correction on my credit report a name of XXXX XXXX and any other Person under the surname XXXX is using my social security number and my credit I need this investigated I never lived in XXXX XXXX or anywhere in XXXX ever only XXXX and XXXX XXXX. I also am not responsible for a debt that is being owed and it has hard inquiry on my credit report I am a victim of identity theft and it has been over a year this inquiry should no longer be on my credit report.
Ability Recovery for XXXX and they continue to send me mail for the payment of a loan so they claim I did. It request for to have taken out And for another company for the amount of XXXX Please help me I am a single mother working hard and all I want in the future to retire comfortable and live something for my kids once Im gone I really need you guys help please I know Im reaching out to the right people Remember its Covid and everyone is scamming with other people information Please reach out to me if you need me to do anything further for you guys to help me out
|
| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX the following violations have been discovered and commited in fact by, Ability Recovery Services LLC. These violations include to the following : Title 15 U.S.Code Subchapter 5 : Debt Collection Practices in its entirety, Title 15 U.S. Code 1692A through Title 15 U.S.Code 1692 ( P ) ( C ) 3 and Title 15 U.S.Code Subsection 1681b, Permissible purposes of consumer reports in its complete entirety.
As these violations are in fact proven as per physical mailed evidence, I the Consumer, am entitled to damages as stipulated by Title 15 U.S. Codes 1692 K.
on XX/XX/2019 via Notary Presentment, I have sent correspondence to the alleged debt collector and have not received a response. In the event Ability Recovery Services LLC has documents or verifies that these violations are inaccurate, I as a Consumer, demand that they verify via Sworn Notarized Affidavits so I can know the person who has handled my dispute and to state That the alleged inquiry is in fact Compliant and is not Subterfuge.
|
| 10/31/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON.
SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE.
THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY.
XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance.
They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX.
They said I called them and now it is showing on credit report they reinstated it XXXX.
I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.
|
| 03/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I spoke to Ability Recovery Services and asked to settle my account, I was told I could settle my account and I requested a letter with information in order to do this. They assured me they would send me a letter with information regarding my account.
One week later I still had not received a letter, I called Ability Recovery Services again, I was then told they sent it to the " wrong address '' I gave them my address again and they assured me they would send me a letter.
One week later I still had not received a letter. I called Ability Recovery Services a third time and this time was told that they could not send me a letter legally and would have to speak to their lawyers in order for me to get a letter? I was very confused by this as they had said they sent one.
I told them since I was working with a financial advisor I needed my debt settlement in writing before paying, they told me they could not provide that to me until AFTER I paid them not before. This seemed fishy to me ... as I have been paying off all my debts and every other debt collector had no issue sending me a letter.
|
| 02/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Yesterday I submitted a complaint, please see ( XXXX ) for Ability Recovery Services , LLC. They did not respond to my right for them to have valid proof that they are licensed to collect debts in IL. Per the XXXX site, they DO NOT have an active license to collect debts in this state. Please provide proof of your active license, as per the Fair Credit Reporting Act you must be licensed in the state you are attempting to collect a debt.
In addition in that same complaint, they responded stating they sent me an itemized bill. As stated in my original complaint, AN ITEMIZED BILL IS NOT PROOF OF VALIDATION. Proof of validation requires you to provide me with a document bearing my signature to show proof that I am obligated to pay this debt you say I owe.
Please provide proof of your active license to collect debts in the state of IL and also please provide proof of Validation, not an itemized bill as that is verification, not validation that I requested. Again, if you can not provide proof of both of these requests, I will be pursuing legal action and my lawyer will be contacting you.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to file a complaint against Ability Recovery Services LLC regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to Ability Recovery Services LLC. I included my identification, credit report, and supporting documents with the letter.
Although it has been nearly 30 days since I mailed the validation letter, Ability Recovery Services LLC has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt.
I firmly believe that Ability Recovery Services LLC has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations.
Thank you for your attention to this complaint and for your efforts in protecting consumer rights.
|
| 07/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Ok I call the ability recovery service to talk about paying the payment but I wanted to know what the payment was for, the guy had a attitude and really did not give me much info and I wanted to know what the payment was for before paying it, XXXX is a lot of money to send to a debt collector without checking first who billing me, the guy gave me alot of attitude after asking and even threaten me by saying he would ban my number from calling them, I even asked for supervisor and told me there no supervisor there and he could not help me at all and then hung up the phone and now I am ban from calling this debt collector phone number ( XXXX ) and now this debt is sitting on my credit report and I dont know who put it in and I even called the place that is showed as the ordinary creditor ( XXXX XXXX XXXX XXXX in the credit report and they said there no billing thru there department as far as they know of, so now I wondering what to do since now I cant call them and figure this out since now my number is block from them, I need help figuring it out because I am lost in what to do now!
|
| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/XXXX. A call was placed to XXXX in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX.
I have not also been able open up an investigation to XXXX XXXX XXXX, XXXX who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XX/XX/XXXX.I aquired XXXX in XX/XX/XXXX.
|
| 11/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am a XXXX veteran and have 100 % community care, I went to receive care from XXXX XXXX XXXX and when the hospital billed, they billed my private insurance which left a balance after speaking with them I informed them they needed to bill the VA, the bill was denied by the VA and sent them instructions how to resubmit for payment correctly. They never did and 4 years later I get a bill from a collection agency Ability Recovery Services. I contacted them and the initial individual I spoke with hung up on me and did not want to listen to anything I had to say. The second individual shared that the VA needed to send something showing I was approved for care in the community, they did provide it because I sent it in myself, I have tried calling them since then and no one answers or return my calls and the collection after I filed a dispute with the credit bureaus the result came back as correct and the account was to stay on my credit. I am not responsible for the debt, and it was the actions of the initial collector to not request payment the resulted in the bill not being paid.
|
| 03/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a debt was on my XXXX account in XXXX of XXXX of {$960.00}. I disputed it online and with a certified letter, and within 30 days it was removed. The creditor, Ability Recovery Services, and the credit bureau has now reinserted it back on my credit as of XXXX, XXXX XXXX, and I was not notified of the reinsertion. I spoke with XXXX, and they understand that it has been reinserted and that I was not notified, but refused to remove it from my report. Ability Recovery Services, and the original creditor has never sent me a bill, statement, or documents stating that I owe this. I have no proof that this is my debt whatsoever. Furthermore, the dispute agent from XXXX seemingly accused me of this debt, stating that either it was indeed mine, or I was victim of identity theft. Either way, this was reinstated and I was not notified in writing within the 5 day time period. It is now XX/XX/XXXX and this was reported XX/XX/XXXX, so they have had plenty of time to send me a letter, but when I spoke with them, they disregarded that and stated they would only dispute it again.
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX is falsely reporting on my credit. Per my research XXXXXXXX XXXX XXXX is a debt collector. Under 15 U.S code 1681d disclosure of investigation violation violation below : A person may not procure or cause to be prepared and investigate consumer report ( 1 ) It is clearly and accurately disclosed to the consumer that and investigative consumer report including information as to his character general reputation personal characteristics and mode of living whichever are applicable may be made and such disclosure ( A ) is made in writing mailed or otherwise delivered to the consumer not later than 3 days after the date on which the report was first requested I requested to be provided proof of this alleged item, specifically the original contract bearing my signature with XXXX XXXX XXXX. Im requesting that this is deleted from my credit report as soon as possible. Under federal law you have 30 days for reinvestigation I will also be seeking {$1000.00} per violation for : 1 : Defamation 2 : Negligent Enablement of Identity Fraud 3 : Violations of 15 U S C 1692g
|
| 11/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There was a collection on my credit report through another credit collection company, which I disputed and it was then removed only to be bought by another collection company called Ability Recovery Service. I have requested the original credit application with my signature and any other information that would allow me to verify the debt is mine. Furthermore, the previous company told me it was a XXXXXXXX XXXX XXXX through XXXX XXXX, I do have a XXXXXXXX XXXX with XXXX but it is in good standing and paid every month. Also, according to the letter sent by ability recovery service this debt is almost 6 years old. Isnt the statute 3 years in NY state? I would like for this to be removed from my credit report as it is not my debt and I have not received anything verifying its my debt.
I also went through all my debt two years ago and paid everything that was showing as a collection or negative account so I dont understand how this can surly show up out of no where.
I have attached the letter that was sent to me from ability and I sent back on XX/XX/XXXX with no reply.
|
| 12/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/XXXX. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.
|
| 01/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an old medical debt at XXXX XXXX XXXX in XXXX XXXX, Kansas. They sent the debt to XXXX and XXXX. I paid it on XX/XX/XXXX. Just after XXXX, a new company called Ability Recover Services reported the same old hospital bill that I paid off as a new debt on my credit report. I disputed it with my credit reporting agencies and XXXX of them has already removed the collections from my report, but the other XXXX haven't. I've called them 3 times and can't get them to stop doing this. I just got off the phone with them AGAIN because at XXXX, I got an email that they'd put this debt back on my credit report after just getting it removed again. Now I've had enough! I don't owe this debt and I'm not about to give them money. I paid what I owe. This is illegal. They know I don't owe that debt and they keep coming after me trying to milk me out of money I don't owe. They know I'm trying to buy a house and they just destroyed any hope I have of doing that now. I want this company to get what's coming to them in the form of a fine. They shouldn't be doing this to people.
|
| 12/07/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was contacted by Ability Recovery Service after this debt was recorded on my credit report in XX/XX/XXXX. I spoke with a representative inXX/XX/XXXX to inform them that I did not owe XXXX University anything. I ask for a debt validation and they sent me a statement from XXXX University that showed that I had a balance on my account. I asked for documentation that provided a detailed breakdown of what the amount was for and nothing new was sent. I reached out to XXXX University and they said that it was a student loan refund check sent to me but because I did n't finish the quarter I owed them that money back. I have never been informed before this year that I owed a balance. I withdrew from school because of a XXXX and as a result in XX/XX/XXXX all of my student loans were forgiven by the government. They say that I owe {$1800.00} because the money that I received in the amount of a refund is owed to them because I withdrew from school but that money was included in my forgiven loans. They never sent any student loan documentation in support of their claim
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies.
XXXX XXXX XXXX XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX
|
| 02/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I set up automatic payments with Ability Recovery Service ( XXXX ) that was to begin XX/XX/XXXX and {$50.00} XXXX payments were supposed to come out automatically. The company however decided to take the payments out on days that were not authorized. The first payment was taken out of my account on XX/XX/XXXX however, the next payment were taken out XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. When I called the company to inquiry why the payments were taken out on these dates and not the dates that were authorized, the representative called me a liar and begin to yell at me. when i asked to speak with a supervisor, the supervisor stated they will take the information and look into it but the issue at hand is repaying the debt and begin to pressure me to discuss repayment. The supervisor completely disregarded the issue and my complaint. I asked the company to stop all auto payments and submitted a complaint to the attorney general. By running payments on dates that were not authorized this company did not comply with the XXXX law nor did they care to fix the issue.
|
| 08/26/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
When I was trying to login my classes online XXXX XXXX XXXX XXXX XXXX. I was able to open the online classes because it was turn over to a collection agency. So, it was a number there for me to call the collection agency ( Ability Recovery Service Center ). When I call and was trying to talk to her ( XXXX XXXX ) she was very rude I was trying to tell her I am unemployed and I would n't not be able to pay in full ( {$2500.00} ). She start yelling on the phone with me getting smart. I was trying to ask her if I can come up with a {$150.00} to open my classes back up. She would n't listen to what I had to say and when I call her XXXX XXXX ) back the second time she said I have already talk with you once but I was trying to tell her the school ( XXXX XXXX XXXX ) said I would n't have to pay in full ( {$2500.00} ) to open my classes back up but ( XXXX XXXX ) said it not what ( XXXX XXXX XXXX XXXX say it what she say. She was still yelling on the phone you would have to pay in full but I am unable to pay the full amount cause I do not have a job at this time.
|
| 03/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, I'm not turning to the CFPB to aid me in finally recovering from this nightmare. I'm being asked for {$430.00} for a hospital bill that does not belong to me. I have not been to any hospital and ever since XXXX, me and my local police department have been trying to remedy the situation.
I'm not sure what's going on, but I've gone back and forth with the hospital. Following sending them my I.D . and documents, they ceased to respond. What's going on now globally does not make this any better.
Please aid me in recovering from this tragedy! At this point I am just ready to sue the bureaus and collectors involved. I've reached out to the creditors as well as to the bureaus. What 'was incorrect ' was removed, excluding this 1 creditor. I did send a certified letter with tracking in XXXX. And aside from that, have sent it to the bureaus.
Please remove this ridiculous account from my credit report immediately. It's such a ridiculously small amount, if it were mine I would've paid it! I base a salary of {$70000.00} a year. This is NOT my account!
|
| 11/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this message finds you well. I am writing to inform you that on XX/XX/2023, I disputed an item on my credit report regarding a debt that was reported by Ability Recovery. I patiently waited for a response from your office regarding this matter.
In the letter I sent, I explained that I do not recall signing a contract or having any dealings with Ability Recovery. It is possible that they purchased a debt from my original creditor, but I am certain that I owe them nothing. According to my knowledge, the original creditor has written off the debt and filed it as a loss, which, by law, means I no longer owe the debt.
Given the importance of this issue and my desire to fully understand the situation, I kindly request that you provide me with documentation that clearly shows why I owe this debt to the current collector. Having such information will help me resolve this matter and ensure the accuracy of my credit report.
I appreciate your attention to this matter and look forward to your prompt response.
Thank you for your assistance.
|
| 08/08/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I enrolled in XXXX XXXX XXXX XXXX program in Accounting I was unsure whether I would like the online learning format, so I asked the enrollment counselor with whom I spoke on the telephone what date I would have to withdraw by in order to not incur tuition charges. And I was been told you will receive student grant financial add you don't have to pay anything I hated the online format, and was absolutely certain to withdraw by the date I was told by the advisory. However, I was subsequently billed by XXXX, nonetheless. I disputed the matter back and forth with XXXX, informing them of the conversation I had with the enrollment adviser, but they insisted I withdrew past the deadline. Since the conversation I had with the adviser took place over the telephone, I have no proof -it is merely word against word. But I am certain I withdrew by the deadline in order to not incur charges. XXXX turned the matter over to collections Agency and they, in-turn have now reported a derogatory remark on my credit report, resulting in a lowered credit score.
|
| 02/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently pulled my credit report from all XXXX agencies. I noticed a collection listed from Ability Recovery Services with 2 accounts that I did not recognize. Acccount ID : XXXX for {$52.00} and XXXX for {$52.00}. On XX/XX/XXXX I sent a certified letter to the Ability Recovery Services requesting validate the debt. On XX/XX/XXXX, I received a letter from the company with a printout of a bill. On that bill it states that the XXXX XXXX Due amount is XXXX. Then under that it states under creditor information that the current balance is {$52.00} for both accounts. The printout does not state what the charge of {$52.00} for both accounts is for. I sent another certified letter which was picked up by someone at Ability Recovery Services XX/XX/XXXX at XXXX. In that letter I requested that the company provide me a breakdown of the fees, what the fees were for, who and how it was verified and verification of a HIPPA authorization. I have not received any documentation or response from my letter since it was received by the company XX/XX/XXXX.
|
| 01/06/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX violated my rights as a federally protected consumer. Pursuant to 15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Upon reaching out to them, I requested VALIDATION of the ALLEGED debt. In return I received VERIFICATION the ALLEGED debt. Pursuant to 15 U.S. Code 1692c ( b ) I demand that XXXX XXXX cease any and all communication with myself and ABILITY RECOVERY SERVICES and the 3 major credit reporting agencies. I also demand that the account is removed from my credit report.
|
| 11/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX failed to properly submit student loan documentation causing student loan to fail to be approved when it should have been. This failure by XXXX caused cancellation of enrollment. After cancellation, XXXX fraudulently charged a " technology fee '' which their attached letter states " Designates CHARGE not yet due ... This bill does not reflect pending financial aid. '' The XXXX letter also states " Previous Balance : {$0.00}. Current Balance '' {$0.00}. Amount Due {$0.00}. '' However, after XXXX XXXX failed to properly process the Financial Aid application and enrollment was cancelled, it properly canceled the " Future Balance : {$1700.00} '' and increased its phantom " XXXX XXXX Fee {$150.00} '' to {$180.00}. XXXX University and its unethical collection agency are inaccurately reporting to the credit bureaus that {$180.00} is due when no money is due after XXXX XXXX 's failure to process the financial aid package which directly resulted in the cancellation of enrollment in the XXXX Fall Semester and all subsequent semesters.
|
| 09/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when Ieft Texas XXXX and XXXX years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$120.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.
|
| 01/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a complaint against Ability Recovery Services located in XXXX, PA. This company has continuously disregarded my consumer rights under the Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental worry. For starters, they're reporting a wrong & unverifiable account on my credit report and not to mention an account in which I've requested for evidence of claim and which they were not able to furnish, per the FCRA & FDCPA. In spite of my endeavors to fix this unfortunate problem for quite a few months now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ability Recovery has completely dismissed my communications and multiple requests to delete this mistaken information from my credit report. This company 's negligent conduct has caused lots of great harm, not only to my capacity to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me. I really appreciate your time and guidance in this matter and hope to hear from you very soon.
|
| 06/16/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability recovery is trying to collect {$530.00} from me for ash worth college for a bill they stated I owe. I have written a letter to verify the debt and it was removed from the credit reporting agencies from and now has come back. When I originally wrote the letter I requested them to comply with the fair debt collection practices act and fair credit reporting act:1 ) providing me a contract or bill with my signature on it as follows : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 08/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I had a missed call from them I called back she started off with an attitude I told her that my computer is broken so I could n't do my schooling I work to much to get to a library and my friends do n't have an extra computer to borrow she told me the balance and she offered {$15.00} a month I said that 's fine no problem but I had to get back to work told her to call me back after XXXX. She called back and I had my boyfriend answer they one did n't asked him to verify my info and they disclosed to him that the call was about a debt. I gave them my okay to speak to him after they disclosed. they were giving him a hard time and he asked to speak with a supervisor or manager and they said no they said that they are not gon na be calling and any more communication will be written .. I never said I wanted that the lady ended call after. we called back and was pretty much begging for a supervisor the male kept saying we were very rude and he wont assist us. and kept hanging up on us. I have recordings of this going on also.
|
| 03/24/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. The date opened, date of last payment made is wrong, credit limit, high balance amount, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. There is also inconsistent information being reported to different bureaus. Why isn't your data consistent between various credit bureaus if the information is supposed to be 100 % accurate and complete? How can you tell the credit bureaus you verified this information when your own information being reported is wrong and inconsistent. The furnisher reported doesn't even have a record of this information or account. I called them and they have no record of anything you are reporting. What did you do with the money you said was paid? Who did you report this to and do you have proof? What account was this applied to?
|
| 09/08/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2023 I contacted XXXX XXXX due to a collection item that appeared on my credit. XXXX XXXX representative transferred me to financial department. I spoke with representative resolve issue by paying balance. XXXX XXXX told it will take a couple of days but I will receive the letter by email. four days later, I did receive the letter confirming they received my payment, and it was resolved and paid in full. Three weeks later, I reviewed my credit report. The item is still appearing unpaid and credit score decreased XXXX more points. After reviewing it, I had submitted a dispute when it was completed the credit bureaus reported back Account information disputed by consumer, meets FCRA requirements. I contacted them again and told them that it continues to be reported incorrectly to my credit. They told me they have already contacted the collection agency but they told me it should not have an ever been sent to a collection agency. And my score keeps decreasing because of this and they refuse to correct the error.
|
| 12/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX/XXXX ( amount= 0 ) Account Status= Negative the account was closed and paid in full with no late payments XXXX XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX/XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account
|
| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification from my credit managing company that 'Ability Recovery Services ' has stated that I owe {$750.00} from a 2016 hospital visit and has put this account in collections. This is now affecting my credit score. I spoke with a rep at this Ability company and the woman stated that I could 'pay {$300.00} for this to all go away '. I stated that this debt is not valid and that this hospital account was closed 5 years ago.
After further research I discovered that this specific company buys closed medical accounts and attempts to collect money from unexpecting people. I have requested my medical records through a medical release form to prove the validity of my statements. I have also discovered via a XXXX search that Ability Recovery Services is involved within several law suits due to their fraudulent activity. I am disputed these claims and I am filing this complaint because my credit manager with XXXX recommended I do so. Please feel free to contact me if there is further questions. Thank You
|
| 07/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB THIS ISNT a DUPLICATE TO PRIOR COMPLAINT COMPANY NEVER VALIDATED DEBT AND IS COMMITTING PREJURY LYING
|
| 04/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX placed a couple of medical collection on my account that had been placed by a different collection agency in the past, but had to be removed because they did their research and this was not my debt. I have never done business with XXXX XXXX XXXX and I don't owe XXXX XXXX XXXX XXXX anything. I wrote a letter asking XXXX XXXX to remove the debt because its not mine. 3 months past by so then I reached out via phone and they were very rude and keep hanging up on me. I don't owe these collections to XXXX XXXX XXXX and I definitely don't owe it to XXXX XXXX. If you have any medical records with my name on it, I will be extremely upset because there is a Hipaa Law that protects us. You should not be holding any of my medical records from anyone. I don't have an outstanding balance with XXXX XXXX XXXX. If XXXX XXXX has proof that this is my debt, then please send it like Ive asked over the phone and in the letter that I mailed out. There is a reason why the previous collection company removed it.
|
| 12/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am beyond exhausted with all my efforts to resolve this matter with ability recovery services for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery services has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
|
| 07/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as Ability Recovery Services had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX, XXXX Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
THE DISPUTED ACCOUNT REMAINS ON MY CREDIT FILE : ABILITY RECOVERY SERVI Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute.
COMPLAINT My complaint is this is wrong information. They have deliberately increased the balance of a student account. I have been XXXX XXXX since XXXX. I withdrew from school and the financial aid payment was returned to the Federal agency in XXXX my last payment to the school would have been in XXXX before I got sick This can easily be verified by last date of enrollment. Ability Recovery Services has added {$400.00} to the collection amt reported by the school. that should be illegal. not only that the date the account was opened is clearly incorrect XX/XX/XXXX and this is old enough to be removed immediately. I need info on how to file a lawsuit. i have asked them to verify this amount and dates of enrollment with no response. copies attached
|
| 06/24/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hi, I contacted Ability Recovery Services this morning about a debt on my credit report that I had previously disputed with both the agency and XXXX University where the debt originated. I clearly stated to XXXX the issue and provided proof, this was improperly transferred to collections. When I tried to communicate that this morning an exceptionally rude woman at the collections agency told me the debt was dispute but she knew it was legitimate. I explained it was not legitimate which is why I disputed it. She told me I had to prove it. I explained I had, and asked for the contact information for the university to see if there was another office I needed to go through. She was exceptionally rude and abusive and should be addressed as that is not the proper way to collect a debt. Additionally, she never verified any information, I never gave her any information and she never gave any disclosure that is given about " this is an attempt to collect a debt any info will be used for that purpose..etc ''.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I wrote and mailed a dispute letter to XXXX, XXXX, and XXXX in XX/XX/2018 pertaining to a collection account that had been placed on my credit report from the collection company Ability Recovery Associate for {$930.00}. XXXX, XXXX, and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. Ability Recovery Associate did not provide any documents or evidence to verify the account. I sent another dispute letter to XXXX, XXXX, and XXXX in XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX, XXXX, and XXXX reported the debt was verified at the previous amount. Of {$930.00}. Under the Fair Debt Collections Practices Act. I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX, and XXXX or provide me with physical proof. Such as a signed legal binding contract. Your immediate response will be greatly appreciated.
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.
|
| 08/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good morning.
I am here complaining about company that goes by ability recovery services. They put 3 different collection accounts under my name which I paid off back in XXXX I was told all the accounts will be deleted and that it'll be reported to all the credit bureaus as complete and will be taken off any report However, spoke to them back in XXXX of XXXX XXXX and I was told that they will send the status update to the bureaus again and that it could take 30 days for that to update in their system Coming today after over a month, the bureaus are still showing all 3 of the debt collection accounts and are not deleted. I tried calling the company and they asked me to dispute the charges with the bureaus directly with no better solution I have had no help from them! I am trying to close on a home and I am getting pushed back cause of this company not doing thier work of actually submitting the account status as they are supposed to. Instead asking me to take this up directly with the bereaus.
|
| 04/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XXXX identified a discrepancy with account listed under Ability Recovery Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 03/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of 2022, I received notification via mail that Ability Recovery Services acting on behalf on XXXX was attempting to reinstate an old debt back onto my credit report.
It has been several years since the XXXX and all debt collectors have reached out regarding this debt being removed from my profile. The notification from Ability Recovery Services laid out a few options that I had before the debt was replaced back on my profile. One which included Verification of Debt. The notification provided a date in which the dispute or request for additional documents were to be submitted. Two days after receiving the notification via mail, a debt validation letter was sent to Ability Recovery Services to request hard copies to prove that the debt belonged to me. I have received no additional follow-ups from the debt collection company and the debt was placed on my profile regardless.
I have noted that this company apparently has been notorious for this happening in the past with other clients.
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I tried to attend an online education program back in XXXX by XXXX XXXX. After like 3 weeks I felt the program was a waste & advised them to close my account. Well the account ended up in collections in XXXX. I don't know if this even is the same company that tried collectiing before or a different one. This collection company that this debt was sold to is reporting it as a new debt opened up in XX/XX/XXXX. This is not the case. Maybe that's the day they acquired the debt but the debt is approxiatemately going on 3 years old. I've disputed the accuracy of these dates on my credit report multiple times to no avail. I have not received any proof as to when this account was closed and/or opened by Ability. Both XXXX XXXX & Ability have multiple complaints against them on the XXXX website about their collection antics! I want the correct dates on my credit report as to when this acct went into collections not when it was bought & sold to a collection agency! XXXX XXXX will be my next complaint.
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My ex-husband agreed to pay for medical services from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1300.00} and he did not pay. He provided my information and I was not present nor agreed to pay for such debt. I have no financial responsibility whatsoever because I was not even aware.
Last year a the collection showed up in my credit report and I contacted XXXX for an investigation. They only verified the accuracy of my identity but not the origin of the debt nor the correct debtor. I contacted the collector, Ability Recovery Services LLC ( the account was purchased by XXXX XXXX XXXX ) by certified mail on XX/XX/XXXX and instead of contacting/collecting from the correct debtor, they sent me another collection letter. I called them today XX/XX/XXXX and instead of investigating they hang up on me twice.
Again, I never received medical services from XXXX XXXX XXXX XXXX nor I engaged in any financial transaction with them, therefore they should remove my name from such debt collection.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
While attempting to enter the United States XXXX in 2021, I attempted to attend XXXX University and begin the process of completing my XXXX XXXX. In the course of my time at XXXX though, my schedule began to conflict with the timing and scheduling of the classes I was enrolled in and forced me to not be able to complete them. At the time, I had no way of submitting paperwork to begin the withdrawal process from the University. Inevitably, I failed the semester and was then told afterwards that I owed not only the University, but the collections agency. It was determined in the following years that XXXX University was found to be a predatory institution by the U.S. Department of Education. Currently, Ability Reovery Service has claimed responsibility of the debt repayment, even though I have attempted to reach out to the University to rectify this situation. As a servicemember reentering the military, I was not and still am not sure if I was covered by the Servicemember 's Civil Relief Act.
|
| 05/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services I requested a validation on XX/XX/2019 as this was an account that I did not recognize but should have been covered in full by Medicaid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid. I do not believe the account belongs to me as it should have been paid by Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct and that the charge is not covered in full by Medicaid.
|
| 11/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX the response was " Consumer should be advised that this matter has been and shall remain in a properly disputed status along with credit reporting bureaus. Ability Recovery Services is a third party debt collection agency representing our client XXXX XXXX XXXX, a medical debt buyer, in the collection of their outstanding medical debt. Attached please find a copy of the Itemized Bill for Consumer 's review. Our client is offering a 40 % discount with deletion for this matter. Consumer may contact our office and a representative would be happy to assist Consumer in resolving this matter. Thank you '' This collection agency has admitted that they purchase debt from creditors yet they are trying to CHARGE ME for the same debt that was CHARGED-OFF from another creditor. Which is ILLEGAL. The original creditor has already charged the debt and gave me a 1099 form which states the debt is written off. Either remove this account permanently or litigation is the next steps. Thank you
|
| 12/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am beyond exhausted with all my efforts to resolve this matter with ability recovery for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
|
| 12/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not sure where to turn. I received notification from XXXX XXXX about a new collection that is reporting on my file that I knew nothing about. It's a company called Ability Recovery Services. It shows it was for a medical provider XXXX XXXX XXXX XXXX XXXX and opened XX/XX/XXXX. I have not been to the hospital in years so I called them to find out what this is or if this was a mistake. They told me it was from a debt back in XX/XX/XXXX. I never received anything in writing about this from Ability Recovery or anyone else for that matter. I asked the customer service person what location it was and she didn't know. I asked what they would settle for and she said {$700.00} I know had I was made aware of this at the time I would have been able to get help from the provider on the cost. The women told me that I should have done it then when it was with the provider. Again I was never told or I would have. She was extremely rude and all I was trying to do was get information.
|
| 04/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The complaint is with Ability Recovery Service. I was involved in an auto accident in XXXX. There was a medical bill that was PAID. It went to collections by accident, and I was able to successfully dispute it, as it was already paid. Ability Recovery Services contacted me on XXXX about a medical bill that they would not fully disclose. They informed me that if I did not pay them, they would have the police come and arrest me. They also insulted me in several terrible ways, calling me a financial failure and telling me that I belong in jail for not paying my debt. I told them that I had already successfully disputed this, then they told me they would be sending the police to determine whether I was a liar. I was at work during this time, minding my own business and it really upset me because I was not expecting someone to call and talk to me like that. They keep calling and I just want them to stop. Every time, they progress with the insults. This is not even a real debt!
|
| 04/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX Last reported XX/XX/2019 Reported balance {$680.00} Opened XX/XX/2019 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX NOW THIS COLLECTION HAS ALREADY BEEN TAKEN OFF MY RECORD AND HANDLED! NOW THIS COLLECTION AGENCY THAT NEVER TRIED TO CONTACT ME AT ALL HAS PLACED THIS BACK ON MY RECORD CLAIMING I OWE THEM IN WHICH I DON'T!!
AND I HAVE PROOF!
THIS IS THE AGENCY THAT HANDLED IT FIRST! COPIED FROM MY CREDIT REPORT Accounts In Collection Removed ABILITY RECOVERY SERVICE Collections Account Removed This is great news! Collections accounts can do a lot of damage to your credit score, so getting one removed is often great for your credit health. Collections accounts are typically removed after seven years, or could be removed due to a dispute or settlement.
Between XX/XX/2019 and XX/XX/2019, your ABLTY RECVRY collections account was removed from your credit report.
|
| 09/28/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
|
| 12/27/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I attended XXXX University online using my post XX/XX/XXXX GI bill. I filled out the proper forms with the schools VA Representative to be sent for validation by the VA education department. The school allowed me to attend the spring semester of XXXX and never informed me that there was an issue with my funding from the VA. Recently I was contacted by Ability Recovery Services from which I replied by mail with a debt validation letter. In turn they immediately sent another letter stating I failed to respond and that I had ten days to give them {$4100.00} or adverse actions would affect my credit.
The company has been reported to the States Attorney General and now I am filing a complaint with you. This debt is between the school and the VA. Evidently my correspondence with Ability Recovery Services LLC XXXX. XXXX XXXX XXXX, PA XXXX was not enough to have them investigate who the debt belongs too. Their telephone number is ( XXXX ) XXXX EXT XXXX Attention XXXX XXXX.
|
| 01/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Ability recovery services, has repeatedly called myself, family, and my mother and father in law about a very old debt. they have threatened saying that i will be in severe legal trouble if i do not call them or pay back this debt. i do not even know how they got my in laws numbers. but they call and harass at all times of the day and night. it is getting stressful and harassing at this point. They call from many different numbers, so it doesnt matter how many times i block a number they just call from a new one. and then when i try to call back the number it is some random person who answers, it is like their cell phone or landline. so it is like ability recovery services is rerouting their calls through other peoples phone numbers. the most recent call was today from ( XXXX ) XXXX at XXXX XXXX.
yesterday XX/XX/20 calls from XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX and this one calls the most ( XXXX ) XXXX i get a call from that number almost on a daily basis.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
ACCOUNT NAME ABILITY RECOVERY SERVI Account : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX : XXXX ABILITY RECOVERY SERVICES , LLC : XXXX has violated my rights.
XXXX U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.
15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 08/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my XXXX report and noticed that I was being penalized for owing a debt that did not belong to me. The representative from XXXX informed me that the debt was in the name of a " XXXX XXXX '' and my name is XXXX XXXX. They told me that I could dispute the claim and that they would get in touch with Ability Recovery Services , LLC to correct the issue. I also called ARS and gave them my name, DOB and Social Security number and they informed that there were no debts that I owed them. They also told me that the " XXXX XXXX '' did not have a birth date nor social security number on file. I received an email from XXXX today saying that ARS replied to my dispute and stated that there was no error and that I owed them money. I am struggling to understand how it is ethical to ruin someone 's credit report when there is no bill with my name, DOB or social security anywhere in their records but they report to XXXX that I owe them money with absolutely no proof.
|
| 07/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$370.00} in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agency will not provide it and hangs up saying if I do not acknowledge the debt they will not assist me, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency limits the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what ia an older, non-obligated debt outside the statute of limitations
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I enrolled at XXXX University when I spoke to the advisor he advised me on the course work that was to be done ahead so I dropped the class ahead of the drop/add deadline. XXXX received money from the Federal Government and failed to return the money to Federal Student loan they in turn start calling to collect to XXXX from me that I did n't owe double charging stating that I did not drop in time the class was dropped on XX/XX/2015 and they did not drop me out the system until XX/XX/2015 along with that they added another class. At first I was going to pay just to get them off my back so I tried to settle they refused on several occasions to accept a settlement stating they would never accept a settlement. So I reached out to the federal government and they stated they had been paid in full on XX/XX/2015 for the one class in the amount of XXXX which was more than what the actual class was. The collection has refused to remove debt and XXXX has to as well.
|
| 02/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 10/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I reached out to ABILITY RECOVERY SERVICE via phone on XX/XX/XXXX at XXXX XXXX after disputing false charges that they reported on my credit to XXXX, XXXX and XXXX. I reached out to this creditor to discuss a debt that was reported falsely on my credit three times to XXXX, XXXX and XXXX in XX/XX/XXXX. The original account was opened in XX/XX/XXXX and removed in XX/XX/XXXX and ABILITY RECOVERY SERVICE re-opened this account in XX/XX/XXXX as a new account which its not. The representative proceeded to tell me that the charges weren't false and that I went to the doctor three days in a row and acquired 3 separate bills for the exact same amount which is XXXX with in those three days. Which is ridiculous. While im trying to explain to the representative that what he is saying is incorrect, he began to speak over me. I told him that i would like proof of these three separate bills with a total of XXXX for each on 3 separate occasions and he hung up on me.
|
| 12/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Starting XXXX of this year, I got a alert on all 3 credit bureaus that I have a new collection from this fraudulent company. I looked up this company to inquire & was immediately verbally harassed & hung up on for trying to gather information on this collection. Ive never had a collection or unpaid anything IN MY LIFE & it is ruining my credit as of XX/XX/2023. Ive dispute w/ all 3 credit bureaus and only XXXX confirmed to me that this debt isnt even under my name or social security! Complete Fraudsters taking advantage of hard working citizens for profit. As a young armed forces veteran I expect better care but respect & honor only goes so far for many. I want this collection removed indefinitely, Ive tried contacting multiple times over the last few months & constantly I get harassed & verbally abused & hung up when I try to get receipts or concrete info detailing anything! Please, by XXXX help me get rid of these hasslers off my credit. Blessings
|
| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was mailed a pre-collection notice from XXXX XXXX of XXXX for {$1200.00} for services on XX/XX/XXXX. The letter is not in my name, and I have not visited XXXX or taken an ambulance ride. I called the company, and they verified it was not me.
I have since received additional letters from other collections agencies for this same charge. The last letter was from Ability Recovery Services dated XX/XX/XXXX. Ability Recovery Services stated that I owed this debt to XXXX XXXX XXXX XXXX who purchased the debt from XXXX XXXX XXXX. I did not respond and this week, I have a collection account on my XXXX credit report for this fraudulent charge. This is a fraudulent charge because this is not my name and I never received this service and I have never spent time in XXXX, Arizona.
I am putting a freeze on my SSN and filing a fraud alert with my bank and the credit agencies. I am working with a XXXX XXXX to ensure my identity is not compromised further.
|
| 11/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On my credit report it states that i have an outstanding balance of {$2000.00} owing to XXXX University from the time i was enrolled in early XXXX. I have sent them multiple letters and proof showing that the stated amount was paid by my financial aid and yet they still refuse to fix my credit report and every time i dispute it they confirm that it is correct .Ability Recovery Services, LLC XXXX Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Educational ; Client XXXX University XXXX Amount {$2000.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$2000.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX : ( XXXX ) XXXX Department of Education XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Balance {$2100.00} Amount {$2100.00} Items As of XX/XX/XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XX/XX/XXXX
|
| 01/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These 2 collections were taken off my credit in XXXX of XXXX. Myself and the instance I had at the time contacted the collection agency and my insurance told them the company had a year to bill them and after that they could not. I disputed these collections and they were taken OFF my credit. XX/XX/XXXX. The same collection agency has put them back on there XX/XX/XXXX. I have contacted them several times only to be yelled at saying Im responsible and that they did not take them off because of what insurance told them back then that they sold it to another agency and that was the reason when thats false. The lady saying that didnt work there then and it was taken off as soon as i disputed it then and after the insurance lady spoke to them. We were told it was gon na be taken off which it was. In XXXX. I need these taken off. I have the dispute results from XX/XX/XXXX which shows they were taken off and I did not owe and was not responsible.
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
For about 6 months, I have been disputing an collection account placed with the credit bureaus by ABILITY RECOVERY SERVICES , LLC.
This is not my debt. I have previously called the public phone number for Ability Recovery Services and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me.
I have disputed with XXXX and XXXX and they have still not removed the account from my credit report.
I have filed a CFPB complaint ( # XXXX ) against Ability Recovery Services and their response was they will be requesting validation and send it to me.
In the meantime, they are tarnishing my credit.
CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. Ability Recovery Services is responsible for me being denied for a credit card solely based on a collection account they reported.
|
| 10/09/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Ability Recovery is a debt collection agency reporting illegally to the bureaus under their own name which is illegal on a MA Consumer credit report. MA state law says that an account may only be reported by the original creditor ( law below for your records ). They have been informed of their illegal activity via certified mail three times. They have failed to reply to take action for removal.
209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. However, a debt collector may, with the express written authorization from the creditor, report to a consumer reporting agency in the creditors name.
|
| 01/12/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX I visited the XXXX XXXX XXXX XXXXXXXX XXXX twice : once to receive XXXX to a small lXXXX XXXX injury, then again a week or two later for a XXXX XXXX XXXX. I believe the bills must have been sent to the wrong address. I did not have insurance and the bills went to collections, eventually popping up as two collections accounts on my credit report. One was in the neighborhood of {$1200.00}, and the other maybe {$800.00} ( it seems so long ago ).
In XXXX of XXXX, I negotiated and resolved these two collections accounts, which were removed from my credit report.
XX/XX/XXXX, I noticed the {$1300.00} collection from Ability Recovery Service on my credit report. I contacted them and asked for something like a medical billing statement or some kind documentation that shows the services I was originally charged for, which they said they could not provide. I contacted the original creditor and they could not find my account.
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.
I will be listing some dates below that I have sent out to them : XX/XX/2020XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
|
| 12/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The last time, I have responded to this debt collector was on XX/XX/2018 n response to their letter on XX/XX/2018.
I have responded to this debt collector asking them to show proof of the original debt in the amount of {$380.00} and the second one {$890.00} for services rendered by XXXX XXXX XXXX of XXXX and that it belongs to me. They have not done so, yet they keep reporting it to the credit bureaus. It's been affecting my credit score and my overall credit health. I have asked them multiple times, kindly, in writing to supply proof, but they have not.
I have no knowledge of this medical bill and would gladly pay it if I was fully aware of its original existence. The next step will be to file a complaint with the Pennsylvania Attorney General 's office to make them aware of the unfair business practices of this company, followed by filing civil charges against Ability Recovery for violating my credit history without solid proof.
|
| 03/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The original date of the debt incurred was on XXXX XXXX of XXXX, for {$300.00}, where I was in a XXXX XXXX and hospitalized against my will. Because it was against my will, I told them the state was responsible for the debt.
The debt has since been transferred from XXXX XXXX XXXX XXXX Texas XXXX, to XXXX XXXX XXXX XXXX, which then sold it to XXXX, and apparently XXXX sold it to Ability recovery services, which has falsely reported it on my credit, causing damages by interest rates/lack of transfer offers on my cards, lower than appropriate pre-approvals for loans for the house I'm trying to buy, and significant XX/XX/XXXXfrom this which I'm having to talk to my XXXX about, and expect them to pay for.
I attempted to dispute the debt with XXXX, however, they will not remove it saying the creditor is providing appropriate information. That's clearly not true since it's showing on my credit report as a new debt from XXXX of XXXX.
|
| 04/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by a company called Ability Recovery Service fora medical debt that they say I owe from several years ago to a hospital here called XXXX XXXX. I contacted XXXX XXXX and talked to someone named XXXX in patient services or billing. She told me that I don't owe the hospital anything. I believe this company is fake and bought my address from another company. They are calling me from XXXX PA from this number. ( XXXX ) XXXX. The lady will not give me her name. They are abusive. She gave me the wrong address when she called. And the phone number goes straight to her not to an operator. The bill said {$150.00} at first and now it says {$150.00}. I want to report Ability Recovery Services for fraudulent collection activity. They put this as debt on my credit report from XX/XX/2017 and I want it removed now. They brought my credit report down 20 pts and the lady that keeps calling me said I need to pay it to get it removed.
|
| 02/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Back in XX/XX/2017 ARS ( Abilty Recovery Services ) for XXXX XXXX was deleted off of my XXXX report because I had never attended school there and this was a fraudulent account. Today I received an alert from XXXX monitoring as well as XXXX stating that this account was back on my report. Ive nevee received notification from XXXX advising within 5 days that this account would be Inserted back on the report. According to FCRA SEC 611 The reinsertion restrictions of section 611 ( a ) ( 5 ) ( B ) apply only to those situations where a dispute was resolved with a determination that the information was either incomplete or inaccurate or if the accuracy of the disputed information could not be verified as accurate at the time of the dispute.
Information for which the accuracy was disputed and was not verified at the time of the dispute remains challenged, unverified.
Im requesting that this account be removed from my XXXX report.
|
| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX I went to my local emergency room for care. I was sent via ambulance to XXXX, AZ for an XXXX. Since XXXX I have submitted my bill to the XXXX XXXX XXXX at the local XXXX XXXX XXXX for payment. This bill has yet to be paid. In XX/XX/XXXX I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX for {$2200.00}. In XX/XX/XXXX I received a higher amount bill of {$2700.00} from a different creditor- Ability Recovery Services LLC . I requested for an explanation as to why the bill increased since the original amount was {$2200.00}. I disputed the amount. I never have received any written explanation from them.
Similarly, in XX/XX/XXXX I received another bill for {$2700.00} from XXXX XXXX XXXX. Again, I requested for a written explanation and disputed the amount as well. Thus far I have yet to receive any explanation from either company even though they claim that no interest has been included on their billing statements.
|
| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was covered under XXXX XXXX back in XXXX for my pregnancy and all my visits and scans were covered. i had a high risk pregnancy for the entire 9 months. i lived in the hospital trying to save my baby. My daughter was born XX/XX/XXXX and the insurance was terminated effective XX/XX/XXXX. Now in XXXX i have these bills in my credit report for the delivery and in my husband credit report as well. This issue has affected us tremendously. I contacted all 3 credit bureaus and provided proof of insurance and eligibility and had the accounts DELETED and slowly they come back again. I contacted the reporting agency and are constantly reselling the accounts. This is FRAUD. I'm trying to buy a house and this is blocking my family blessings. You must delete this from my record. I work too hard and pay taxes and INSURANCE for this mess. I HAVE COPIES OF ALL MY CREDIT REPORT FROM XXXX AND THESE ACCOUNTS HAVE BEEN RESOLD OVER AND OVER.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I want to make another complain on this collection. This debt was claimed by another collection agency XXXX in the amount of {$900.00} in XXXX and then they closed it because this is not my account. Then Ability Recovery took over the debt again and reopened it in XX/XX/XXXX for the amount of {$1500.00}. This LLC is a scammer and I won't stand for them tarnishing my name and credit. I need something to be done about this because this is against the law to report false information like this. I need this bad debt out of my life from all three credit Bureau 's. This is not my debt as I explained. If you have a paper with a digital signature that doesn't mean it's me until I see proof with my real signature this is a scam. Remove this immediately from my credit reports.1510.This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. Please REMOVE this from my credit report IMMEDIATLEY.
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I filed complaint against Ability Recovery Service, who was representing XXXX University. ( # XXXX ). I had paid them {$2400.00} of {$2900.00} for a debt owed to XXXX University. They were reporting my payments wrong to XXXX and to the credit bureaus. At the time of filing the complaint I only owed them {$570.00}. On XX/XX/2020, I paid {$230.00}. On XXXX XXXX, I paid {$230.00}. I paid {$100.00} on XX/XX/2020. That is a total of {$570.00} dollar, which is all that I owed. They are now telling me that I owe them {$50.00} and refuse to credit my account as Paid in Full and correct my credit report. The bill stated that I owed them {$2900.00} dollars and that is what I paid them. I am not paying them any more money. I have attached Complaint XXXX, the original letter I received with the amount of debt owed, and a screen shot of the payments made since the last complaint to prove that the account is paid in full.
|
| 08/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I AM A USA VETERAN WHOM IS XXXX % XXXX THAT HAS JUST DISCOVERED THAT I AM A VICTIM OF IDENTITY THEFT. AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICE THAT A MEDICAL BILL IS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. FIRST OFF ALL OF MY MEDICAL EXPENSES ARE PAID IN FULL BY THE United States OF AMERICA. I HAVE NEVER DEALT WITH ABILITY RECOVERY OR ANY COMPANY THAT THEY REPRESENT. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Not only is this debt does not belong to me due to fraud but your company could have also been in violation of HIPPA if it was mine.
|
| 10/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I went to Florida Hospital XXXX XXXX XXXX in the year XXXX with a XXXX insurance. I was provided service and I gave my XXXX details. In XXXX, I was monitoring my credit report and saw collections from ability recovery of an amount of {$850.00}. When I called them to explain that I had XXXX and that the provider was responsible for claiming the money from XXXX, they were mean and rude to me, called me a liar and refusing to take responsibility. They will not listen to me or even give me any information. They only want my credit card details. They have been calling my phone constantly, threatening to hit my credit. I have contacted the credit bureau to get this resolved but the collection agency keeps putting it on there. I'm totally not liable for this debt. The provider failed to claim payment from the insurance I had at the time. I don't use that insurance anymore and i'm not responsible for the said amount. Thank you.
|
| 07/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, ABILITY RECOVERY SERVICES , LLC, with a mailing location of, XXXX XXXX XXXX XXXX, PA XXXX claimed I have a debt with them in the amount of {$710.00} for computer schooling. I sent a certified letter to them requesting the debt be validated.
That certified mailing came back as deliverable. I disputed the debt with 3 credit reporting agencies and 2 removed the alleged debt as not validated.
In XX/XX/XXXX, I applied for a loan and the loan officer questioned me about the debt. She called the alleged debt collector and put them on speaker phone. Many questions were asked of them and they had a lot of bad information on me including spelling of my name and and wrong address.
The alleged collector was argent, ignorant and out right verbally abusing calling me a deadbeat.
I have no knowledge of this as already know how to fix XXXX and have been working with XXXX since XXXX when was XXXX them in high school.
|
| 08/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted Ability Recovery several times throughout XXXX & XXXX respectively. Most recently I spoke with their representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided the collection agency with dispute letters, fraud reports with local law enforcement as well as an FTC fraud report.
Ability Recovery has reported this debt under different account numbers with various dates of assignment and first date of delinquency all of which conflict with one another indicating that not only has Ability Recovery attempted to collect on an invalid debt but that they are also in violation of the fair credit reporting act in that they have intentionally re-aged this debt.
This debt was also concurrently attempted to be collected in XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX however the agency sent a letter of correction both to myself and the credit reporting agencies.
|
| 01/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and I have been fighting for the deletion and blocking of fraudulent accounts on my credit reports. I disputed and successfully was able to get several fraudulent accounts deleted and blocked from my credit file. One of which was XXXX University. I have never attended XXXX University and I have never had any account with them. I even requested information from XXXX as to how they had my information and received nothing. In 2017, I disputed the XXXX University account and it was deleted and blocked from my credit file as it was fraudulent. On this month, I now have a collection on my credit file from Ability Recovery for the fraudulent account at XXXX University! This is not my account and this negative account is tarnishing my credit file that I am repairing from the identity theft. I have had no contarct EVER with XXXX University or Ability Recovery as these accounts are fradeulent!
|
| 08/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all XXXX credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported XXXX XXXX , 2017 Collection Agency ABLTY RECVRY Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on XXXX XXXX , 2017 {$330.00} Account Details Last Reported XXXX XXXX , 2017 Collection Agency ABLTY RECVRY Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection
|
| 07/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company reported a debit that i have no knowledge about from XXXX. They reported this debt in XX/XX/XXXX. I never received an original copy of an contract or verification of debt between me and this company and theyre reporting this collection illegally doing so. I will need an ORIGINAL CONTRACT with me AND THIS COMPANY ABILITY RECOVERY stating that I owe a debt. This is a medical debt meaning that HIPPA is involved and I didnt authorize any release of information to this company that im unaware of. Legal actions will be taking if this company dont cease and desist and remove reports from credit bureaus I DID NOT AND WILL NOT AGREE TO ANY SETTLEMENTS AND COMMUNICATION WITH THIS COMPANY. This company need to stop with the antics lying when responding to this complaints & if theres any original contract with me and ABILITY RECOVERY PLEASE DISCLOSED THIS INFORMATION AND DOCUMENTS AS WELL AS MYSELF TO CFPB
|
| 11/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt appeared on my credit report and I have no knowledge of this debt and no one has sent anything to verify this debt. I have seen several reviews about this company attempting to collect debt that has not been disputed. I have not received anything in writing about this debt and It has been falsely placed on my credit report. Under the FCRA a client is supposed to receive notice about what goes on their credit report and the credit bureau is supposed to thoroughly review and verify these items. According to the FCRA If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This DEBT was listed as XX/XX/2018 and nothing has been received.
|
| 04/27/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Received Validation of debt around XX/XX/XXXX. On XX/XX/XXXX called and settled the debt that I received Validation on. Used account number to pay debt. On XX/XX/XXXX, called Ability Recovery Services due to account still reporting to credit bureaus as unpaid. I was told it may take a little longer due to Covid. Called back on XX/XX/XXXX, because I felt that it should not have taken this long. This is when I was told that the account paid was not the account I received the bill/Validation for. Was told they would have someone to contact me. On XX/XX/XXXX I called again about this account because I only authorized my card to be run for the account I received the bill/validation for and any other accounts was unauthorized. I was told there is nothing he could do, he would have to send the dispute to someone else and I should expect a response in 30 days. 30 plus days has come and gone and no communication.
|
| 03/13/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services is trying to collect a debt from XXXX XXXX schools to which I do not owe. I previously sent a complaint in from XXXX XXXX and they indicated they had the wrong person and deleted the marks off my credit. However with Ability Recovery Services, I have gone around with them on the phone and the last person I spoke to named " XXXX '' said they are right across the street from XXXX XXXX, and if I would pay the reduced amount of XXXX that they would remove it from my credit. I told her as I told other representatives at the company, I only went to XXXX XXXX one time in 2007 and now all of a sudden i have two different collection agencies saying I owe XXXX XXXX!!! This school is a fraud, and they claim someone signs up for classes and then tries to charge people for an entire amount of their program. If anyone has collection agencies from XXXX XXXX submit a complaint on here!!
|
| 05/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I submitted a complaint with CFPB about Ability Recovery. Ability Recovery stated that they are only the 3rd party trying to collect. XXXX XXXX XXXX are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. XXXX had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now XXXX XXXX XXXX hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.
|
| 01/17/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just found out by a XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I owe more than one thousand in a school I never signed into as part of a contract. I never had auto payments deducted because I never signed on to auto pays and the collector known as Ability Recovery Services has been found as a fraudulent company who harasses and attempts to collect amounts with discrepancy and not accurate. I sent a formal letter to this collection company asking for information that goes to as how I owe anything to that school and they could not provide by Law any documents except an enrollment not signed by me papers. That is how this company is going by. That by Law is fraud. They have not rights at all in the state of Florida to attempt to collect any un accurate debt. The papers this collection agency has, does not show nor proof I owe debt to this school nor are the papers a contract signed by me.
|
| 12/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company is still being lying scammers they are as Ive already complained about this company & fully explained the situation.
My new issue currently is the fact they lied to you guys ( CFPB ) claiming that they deleted the collection off all 3 credit bureaus. Its been over 30 days & it is still showing on my credit when they said to wait merely 10 days for the change to be adjusted. Im afraid they were lying because as I read theyre response it raises a red flag Why would claim to have cleared the matter & in the same response to ( CFPB ) & consumer say that you can contact our clients & were offering 50 % discount for deletion! These guys are professional fraudsters.
That itemized bill is complete fraud.
I hate that I even have to go through this! After all the blatant disrespect & slander Ive taken from this company in the last few months I deserve better man seriously.
|
| 06/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I didn't receive enough information to validate MEDICAL DEBT.
Date : XXXX XXXX Sent Debt Validation Letters for account numbers XXXX ( XXXX, XXXX And XXXX ) Sent letters to Ability Recovery Services LLC ; XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/2022 Response : Ability Recovery Services llc has sent back documents containing only charges, no other acceptable documents providing validation of debt.
I requested the follow A thorough breakdown of all alleged charges.
Dates of alleged services rendered.
List of services/procedures performed.
Provide a copy of my signature from the provider showing my request to release information to them.
They send me the following attached documents. They have not provided me with the thorough breakdown of all alleged charges, provided me a copy of my signature from the provider showing my request to release information to them etc..
|
| 11/15/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services is trying to collect a write off debt of XXXX for XXXX University. A XXXX University Instructor hid the students grade until the end of the semester. While submitting every assignment on time throughout the course, the grade reflected an A grade average without any missed assignments. Without indication that any assignments were not received by the instructor, the final grade was posted, the instructor gave the student a grade below average and refused to allow the student to resubmit the assignment. The financial aid office returned the studentss federal payments accusing the student of not completing course work causing a negative balance on the students account. XXXX University has refused to give the student an unofficial transcript and have posted student federal refunds on the account not verified by the student or validated by the course work.
|
| 11/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have requested an itemized validation of the debt because it is a hospital bill that I would like to know if I have already paid a portion of or that I didn't owe to begin with. I got one statement from them that had a one line total, date and who it was for, nothing else. Every time they call me, they ask for my date of birth, last four of SSN and my street address. They call from different numbers and I do not feel comfortable giving any of that info out. I have asked them to quit calling me while I am at work ( I XXXX XXXX XXXX ) and that they can reach me after XXXX XXXX, but not only do they continue to call, they called 2 hours after I told them not to call me at work. I have started paying down the smaller debt directly to the XXXX. These people are nasty and rude and I do not want to pay them anything. I have proof of my last three payments to the hospital ER.
|
| 10/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received notification from the credit bureaus about a collection that was reported by Ability Recovery Services LLC on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a XXXX XXXX XXXX.
I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with XXXX XXXX. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus po box XXXX Wyoming PA XXXX, the XXXX, FTC & Massachusetts AG office . Thank you!
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I attempted to attend XXXX University with a student loan. While awaiting student loan approval, XXXX University registered me in a class and charged me tuition without my knowledge. I was unsure of the process and never completed activities beyond a survey. Some months later I was approached by a counselor who told me I was at risk for not finishing my class. I advised that I had never signed up for a class. They told me to contact the school. I did, but no resolution came from it. Some months later, when my loan was approved, I contacted my admissions counselor to begin courses. She was no longer employed by the school. I emailed the person who they told me was now responsible. That person never responded. Some time later I started getting collection notices. I have disputed every one and every one has been found to be fraud, but they just send it to a new agency.
|
| 05/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have insurance and so does my wife. The point I am making is out of no where an account from Ability Recovery Service, appeared on my credit. I reached out to them immediately because the debt does not belong to me and I never received a collection notice from them. I have yet to hear back from the- but they communicated to the bureaus and verified the account belong to me.
I have enclosed a copy of the insert from my credit that report the account. I was in the middle of financing when this account popped up on my credit and I have never received any communication from them what so ever.
As you can see it says the account was Opened on XX/XX/2020 and it was First Reported on XX/XX/2020- MY POINT IS WE ARE IN XXXX ... XXXX WHEN DID THEY SEND ME A NOTICE OF DISPUTE???
IT APPEARS AS SOON AS THE RECEIVED THE DEBT IN XXXX THE PUT IT ON MY CREDIT IN XXXX!!
|
| 12/30/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This amount was for bail and the person went back to jail so the bond should not have been called. There was not skipping of bail. The person the bond was written on did appear in court as per the agreement. Beyond that, it was not clear to me that I ever signed any of their paperwork as I live in another state and was not involved in the transaction. They claim to have my signature but I do not know how they would have gotten that. I tried to work with them but it is my feeling that bail bondsmen feel as they answer to no higher authority and could do whatever they please. The original amount of this debt was around $ XXXX and now they are adding interest at a completely undisclosed and unknown rate and date of inception and means of calculation. The whole thing is unnerving. No one ever has the same answer and no one knows what anyone else is doing there.
|
| 08/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, an affiliate of Ability Recovery Services, has been soliciting a payment from me relating to a medical bill I paid last year.I called them and was not given any information relating to the bill or why I was being contacted by this third party. The person on the phone told me they were aware the call was being recorded then told me I was breaking the law by recording it.The representative then told me that I had said that I was refusing to pay the bill, which I did not do, and that they would be reporting me to the authorities for this infraction.This is a total scam, these people have bought my information with the expressed intention of intimidating me into paying a fraudulent debt.I cannot believe companies are allowed to put their names on paper and operate with impunity.I am writing my senator about this.I hope action is taken.
|
| 05/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Ability Recovery Service reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with ARS AND the credit bureaus ( mainly XXXX and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.
|
| 01/17/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023 and XX/XX/2023, I submitted dispute letters and reported disputes to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$610.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received a satisfactory response from the debt collector.
ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus.
I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.
|
| 09/16/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Ability Recovery Services is reporting a collection account in violation of FDCPA.
I have never received a notice from this collection agency. By law, I should have been granted 30 days to dispute the debt. I became aware of this account as I checked my credit report. I am requesting this collection agency to provide proof that I have received their letters or any other communication that they may be falsely claiming to have mailed to me. The reason I emphasize this matter is because I lived XXXX for a very long time and I have recently relocated back to the States. I know for a fact that I did not have the opportunity to dispute.
2- I am requesting a valid/legit proof of debt written contract or agreement.
Please note that this agency has not listed a phone number on the credit report and has only listed the following address : XXXX pa XXXX
|
| 03/19/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/2020, I submitted a dispute to XXXX regarding an erroneous debt placed on my credit file. Even after submitting my identification to verify myself, which is required because I have been a victim of identity theft presumed by a relative more than 15 years ago. XXXX is reporting the debt of XXXX XXXX / Ars LLC / Ability Recovery Services , LLC of {$860.00}. This item does not belong to me ; I have never had any business dealings with these companies. In a prior dispute, this item was removed from a different credit file ; however, there was no XXXX response. This account is fraudulent not belonging to me I have not had a relationship of any kind. As a result of the false information or accounts obtained falsely, it negatively impacts my credit, and the bureaus or the collection agencies have NOT done due diligence to verify and rectify.
|
| 04/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!!
email address is XXXX XXXX
|
| 04/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICES , LLC I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT XXXX XXXX XXXX I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT
|
| 05/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability Recovery Services ( ARS ) placed a derogatory item on my XXXX and XXXX credit file in XX/XX/2018. I sent a letter to ARS to validate the debt and they provided a print out from XXXX University that looks doctored. I also followed up twice requesting the same validation and they have not responded.
I have attached all of the correspondence and proof of delivery for each request.
This derogatory item must be removed because ARS has not followed FCRA or FDCPA guidelines to validate the debt. In addition, my credit report for XXXX has not been updated with " Consumer Disputes This Account Information ''. Also, they have not responded to my previous requests in the time allowed.
Please help me get this negative item off of my XXXX and XXXX credit file due to the ARS violation of FCRA and FDCPA guidelines.
Thank you, XXXX XXXX
|
| 02/19/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Ability Recovery Services is trying to collect a debt that isnt mine. I never lived at the address they provided on the itemized bill. I never signed up for XXXX XXXX XXXX. I never received a collection bill from this company. The email address is wrong, wrong number, wrong address, wrong credit card information, wrong everything. The name is the same but Im not the person that signed up. I attend XXXX XXXX XXXX University for the past two years. I only lived at 2 addresses in XXXX and now I live in Pennsylvania. I want this removed until XXXX can show proof its mine. Show my ID given to the company, SSN, date of birth, break down of assignments and payments, billing information, etc.. I will be suing for defamation, emotional distress, financial hardships, and wrongful credit reporting. Do the right thing and remove this illegal debt.
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is a follow up complaint, as prior complaint was closed without addressing actual issues. In the attached documentation it is clear that inaccurate information is being reported and illegal duplication accounts being reported.
No validation response has been received from ability recovery. The documentation attached to the response to the complaint does not provide any justification for incorrect and inconsistent dates, or the illegal duplicate reporting. Again, the information reporting is false and defamatory and needs to be removed immediately.
The response is incomplete at best and provides false information. Stating that I have been provided documentation is an absolute lie, I have never received any documentation from Ability Recovery. I provided proof of the dating inconsistency and duplicate reporting, which is illegal.
|
| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I called them telling them that I had been trying to get debt validation and they sent over printouts from when I attended the school the debt came from. I called them telling them that this does not show me how the amount is what it is. She said well thats all the University sent over. I said well you need to take it off my credit report if you are not going to send sufficient paperwork showing how this amount is owed because printouts of the work I did in the classes is not sufficient. She started yelling at me and cursing saying well the debt has been validated we aren't taking XXXX off your XXXX report then hung up the phone in my face.
Ive been asking for this info for months and they only provided printouts of the work I submitted while I was at XXXX University but nothing validating debt. I do not owe any money to this school.
|
| 11/12/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ability Recovery Services debt collection company are trying to obtain double payment from me on the same account by listing them under two separate account numbers when there is only one. I have disputed this with ability and they are not cooperating. The allege I owe XXXX college XXXX. They also posted another account to my credit report saying I owe XXXX college XXXX. I am currently in deferment on a 2 student loans used to cover college expenses they appear on my credit report also. I should not be charged these expenses as my student loans have already covered them. Ability recovery services is reporting inaccurate information and is fraudulently over charging me. I would like these items deleted off my report but they refuse to do so and continue to break law under the fair credit reporting act. Please help me resolve this issue
|
| 07/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not believe this debt belongs to me. I am not sure where this debt came from. The statement on my credit report says that the original creditor is APP XXXX but that company does not exist. I would like to be sent an itemized copy of this bill as well as the actual name of the company who charged me if in fact it does belong to me. I have disputed this and asked for an itemized bill before, but they sent me an automated message back saying that it was verified, but didn't send me what I asked for. I have looked at my insurance portal and this isn't an amount that matches what they say I owe. The date that the collection came on my credit report is XX/XX/2023. The only thing close to that is a service date of XX/XX/2023, and that wouldn't have even been run through the insurance company, much less been submitted for collections.
|
| 07/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not believe this debt belongs to me. I am not sure where this debt came from. The statement on my credit report says that the original creditor is APP XXXX but that company does not exist. I would like to be sent an itemized copy of this bill as well as the actual name of the company who charged me if in fact it does belong to me. I have disputed this and asked for an itemized bill before, but they sent me an automated message back saying that it was verified, but didn't send me what I asked for. I have looked at my insurance portal and this isn't an amount that matches what they say I owe. The date that the collection came on my credit report is XX/XX/2023. The only thing close to that is a service date of XX/XX/2023, and that wouldn't have even been run through the insurance company, much less been submitted for collections.
|
| 03/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Ability Recovery Services is trying to collect a debt that isnt mines. I disputed this debt a million times. The first time they said it has been deleted since XX/XX/XXXX. Then its still on my credit report. They tried validated the debt to an old address that I havent lived since XXXX. The person took pictures and sent it to my mothers address. The debt has my name but not my correct address ( I never lived at that address ). A credit card ending with 4 digits that I dont own and some other things thats not affiliated with me. I dont have no email address associated with XXXX XXXX account. I have no email as XXXX. My phone number starts with XXXX. I never had one with a 404 area code. I never went to XXXX XXXX. I been at XXXX XXXX XXXX University school since XXXX getting my XXXX. This debt doesnt belong to me.
|
| 12/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 09/13/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This account is not mine I have never attended or enrolled with XXXX XXXX. I have supplied them a copy of the incorrect information on my credit bureau. Showing XXXX XXXX XXXX XXXX hired by XXXX XXXX. There is also an account number showing on the report. XXXX XXXX can contact Ability Recover and find out the name and social security number associated with the account in collection. I have provided XXXX XXXX with the last XXXX digit of my social XXXX. I do not feel comfortable providing them with copy of my Social Security Card. They have stated in email they have no student record matching my name and address. But still have made no effort to remove incorrect information from my credit Bureau ( XXXX ). I would lie this removed immediately and XXXX XXXX needs to be fined/reprimanded for their poor business practices.
|
| 01/17/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2024, I sent a dispute letter and reported a dispute to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$980.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received any response from the debt collector.
ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus.
I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.
|
| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021, I received an email about a decrease in my consumer report. When I checked my report I noticed my score had dropped tremendously. Ability Recovery Service has reported that I somehow owe them money. I have never done business with this company. I never gave permission. I did not authorize which is fraud-related.
To whom it may concern Under 15 U.S. Code 1681b -- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I, XXXX XXXX never gave ABILITY RECOVERY SERVICE, XXXX, XXXX, OR XXXX any written consent to report anything on my consumer report, No consent is identity THEFT.
|
| 07/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I contacted a loan officer at my bank and attempted to take a small personal loan to pay bills until my unemployment went through. I was denied on XX/XX/XXXX, and told that as a new collection account had recently been opened, I was deemed to great a credit risk. Within a few days, my auto insurance renewal premium also went up. After checking all 3 major credit bureaus, I became aware of an account listed as " Opened XX/XX/XXXX, by Ability Recovery Services , LLC. '' This account is actually from XXXX. The fact that Ability is not even the first 3rd party agency to own the account, shows that they intentionally misrepresented the age in an attempt to " revive '' the account. This is a violation of WIS 427.104 ( 1 ) ( c ), and therefore by being illegally represented, a violation of FDCPA and FCRP.
|
| 11/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I sent a certified letter ( tracking # XXXX to Ability Recovery Service which was received on XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Ability Recovery Service. Ability Recovery Service is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date ( which is invalid ). I communicated that I am disputing that and I want the item removed. I called the company shortly afterward to communicated with them directly regarding the account. The representative hung up on me when I told him that he was in violation of the law. As a remedy I would like this complaint filed and the item removed from my credit file.
|
| 10/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello! My name isXXXX XXXX. I was looking for interior design school online and found XXXX XXXX company, I started to see info about that course in their website and wrote them that I may apply for the program, but after a few days I called them and said that I will not study in their online school because it was a bad reviews about them and I started to look for another school. After 3 weeks I received a collection Ability Recovery Service letter that I owed XXXX XXXX {$780.00}. I was in shock because I didnt attend even one day of their school online and now I understand why it was a bad reviews about that school who is filing for collections as a fraud. Please help me to resolve that problem, because I called them and they didnt care, they repeated that I owed money. Its a real fraud what they are doing.
|
| 07/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt collection notice in the mail to my previous address in XXXX, Pennsylvania for {$1100.00}. I called the debt collector phone number that was on the paper to figure out where the stat has come from because I had not had any previous notification of the debt. Upon speaking to somebody on the phone, I was told that all correspondence regarding the stat was being sent to XXXX XXXX XXXX XXXX I have never lived on XXXX XXXX XXXX, but have lived on XXXX XXXX XXXX. After this information was found, I sent a letter asking for verification of the debt. The correspondence I received from the debt collector, showed the wrong address on top of the debt, thus indicating that I have never been made aware of this debt until I went to collections, and that they still can not verify that the debt was mine.
|
| 06/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a notification from my credit monitoring service, XXXX XXXX XXXX, that a new collection/charge off account had been reported to XXXX. The company reporting the derogatory account is called Ability Recovery Service located in XXXX PA XXXX. The original creditor listed on this account is XXXX XXXX XXXX, a company that I have never heard of, in a town that I have never lived in. The amount of the debt reported is {$500.00} and the age is listed as 0years/1 month. The violation is that this company, Ability Recovery Service, never contacted me, I never got any mail from this company, the only notification that i had came from XXXX when the erroneous account was reported. I am sending a certified letter to the company, disputing the account that they reported. I have yet to hear back.
|
| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was notified via credit monitoring of a collection account and called the company listed. I was informed of the original creditor and amount owed. I immediately told the agencies representative I felt this debt was not valid and requested they investigate. He verified my personal information and stated based on that matching they believed this debt to be valid. I stated again I felt it was invalid and request they investigate per FCRA regulations. Representative refused to submit any investigation and proceeded with his collection attempts and advised to me " this account will continue to be reported and your credit score will continue to drop every month this goes unpaid. '' The statute of limitation has also already expired. There is multiple violations that is company has done within one phone call.
|
| 06/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost XXXX years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had medicaid during the time this was even a factor.. XX/XX/XXXX the state of XXXX law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/XXXX.
|
| 07/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost 5 years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had XXXX during the time this was even a factor.. XX/XX/XXXX the state of virginia law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/XXXX.
|
| 01/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.
|
| 01/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services is attempting to collect a fraudulent debt and reporting illegally on my credit report. In XX/XX/XXXX I sent, via certified mail, a 93A Demand Notice requesting validation of debt and informing Ability of their illegal reporting. They failed to reply. In XX/XX/XXXX I sent a second 93A Demand, via certified mail. They failed to reply however they did remove their listing from my credit reports. In XX/XX/XXXX I sent a third request for validation of debt. They failed to reply.
In XX/XX/XXXX Ability fabricated the same account, claiming it was a new account, then again reported to the bureaus. They failed to provide me with my rights under federal and state law. They also added this " new '' fabricated account illegally to the bureaus in violation of federal and state law.
|
| 03/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This debt is from XXXX XXXX of XXXX XXXX XXXX daughter signed up for the online high school in XXXX. It said in the agreement if you complete less than 50 % of the program ( that was paid monthly ) and cancel you will not have to pay anymore and entitles to a refund. She completed only 10 % of the entire program and decided to go back to public high school and they charged us for the entire cost. It's been five years and they have not refunded but put the account in collections and after 5 years. We should not have to pay for what what she did not use.
I got a certificate from them in XXXX under the career school and paid in full. They used my information to attach to my daughter 's account to report a collection. She was XXXX at the time she signed up and they took advantage of her situation.
|
| 09/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I sent a debt verification letter on XX/XX/2023 that was never responded to. I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. t claims it was opened in XXXX of XXXX but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS.
|
| 04/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection reporting to my credit report that is not mine and fraudulent. This company has made may reports to my report please see the time line below.
XXXX I was alerted by Ability Recover Services LLC that I have a debt dated XXXX
XXXX Ability Recover Services LLC reported to my credit reports as derogatory ( they did not give time to validate ) XXXX I sent a letter ask for validation of the debt, as it is not mine. I still have not received a response.
XXXX I sent a letter to the Credit Bureaus asking them to validate the debt. No response.
XXXX Ability Recover Services LLC reported to all of the credit bureaus as a major derogatory ( I still have not received verification of it being my debt ) XXXX I sent a 2nd letter to the Credit Bureaus asking them to validate the debt.
|
| 10/29/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ability Recovery Services LLC ( ARS ) continues to try and collect funds for XXXX University when the debt was paid under a settlement agreement. ARS refuses to post a XXXX balance and continues to slowly report increments of lesser amounts. A representative XXXX said she was going to remove the account from XXXX do no one could see the previous previous balances and know what they are doing to costumers when they pay off their debt. The debt was already charged of but collection efforts continued to be made by ARS. XXXX was paid to settle the account but XXXX reported XXXX was due. Then the representative XXXX said XXXX was due. They are gradually decreasing the amount ant I was denied credit. Therefore, the way they are processing payments and reporting the XXXX is creating a hardship.
|
| 11/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The ability debt collection continues to try and collect a fraudulent debt. I had services at the hospital.that were paid in full. The hospital said that any amounts outside of what they charged is fraud and that they can't legally charge anything outside of the hospital 's fees. If you continue to try to bill me for an amount that was paid to the hospital for that date of service with a XXXX balance I will file a fraud claim with the Connecticut Attorney Generals office. I didn't sign anything to pay and XXXX XXXX XXXX a different amount than the contacted amount allowed by the state. XXXX XXXX XXXX is a subsection of XXXX and also states the balance is XXXX. I never had any private provider services. If you have proof that I requested different services from this provider please mail them.
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I consumer XXXX XXXX of the U.S as defined under 28 USC 3002 a federal corporation. And anything with my credit card pursuant to 15 USC 1601 is obligation of the U.S. I XXXX XXXX never entered a consumer transaction or gave any content with Ability Recovery Services ( third party debt collector ) to obtain any of my information. Pursuant to 15 USC 1692b Ability Recovery Services has violated many federal laws they states i owes a debt which is clear violation of 15 USC 1692b ( 2 ), they sent mail with there symbols and logo which is violation of 15 USC 1692b ( 5 ) I sent company Affidavit of Truth, along with Cease and Desist, attached with invoice for federal violations under FDCPA, along with with validation of debt letter!! Company calls and harassing me during time I am not available!
|
| 12/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide a breakdown of fees, including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. Send me proof that you are licensed to collect debt in my state. Send this information to my email address below and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will respond. My email address is XXXX. Sincerely, XXXX XXXX
|
| 07/06/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debt with the school and debt collector and they are still reporting it on my credit report. The documentation they provide to support billing is not only confusing but it also lists a statement date that covers the year XXXX in the top right corner and I did not attend until XXXX.
XXXX is showing loan disbursement amounts totals of {$3600.00} disbursed on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
XXXX XXXX XXXX is showing loan disbursement totals of {$3600.00} disbursed on XX/XX/XXXX and XX/XX/XXXX.
There is also a discrepancy with the statement indicating that it covers Winter Quarter XXXX at the top right.
Please remove this from my credit report as this debt does not appear to be mine.
I have attached copies of my loan details as supporting documentation.
|
| 02/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and accounts were listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me.
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ability recovery has erroneously re-aged a debt reporting on my credit files after request for validation and dispute.
I filed an initial complaint with CFPB in XXXX of XXXX on lack of response to a debt validation request from Ability Recovery Services LLC for a debt in the amount of {$730.00} originating from XXXX University. After receiving the validation information sent from Ability Recovery Services I filed a dispute for erroneous information. The date of the original account on the letter they sent me reads XX/XX/XXXX. The debt was being reported to the credit bureaus as having an opening date in XXXX.
Instead of correcting these dates the company has re-aged the debt to XXXX in violation of the Fair Credit Reporting Act!
This type of predatory action should be stopped.
|
| 12/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX/XXXX/XXXX I received a response to a letter that I sent to Ability recovery service asking for Validation of a debt they alleged that I owed of {$430.00}. Not only was the company unable to provide me validation of the debt they sent me a generic peace of paper that doesnt have my Signature on it nor does it have me listed at as the patient who received these services which was the information that I requested for validation purposes. I also asked them for their method in which they verified the debt was mine and I owed for those services. They have reported this incorrect information on my credit file which has hindered me from obtaining financing. I asked that if this company can not provide me with validation of this debt that they remove this debt from my credit file!
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ability Recovery somehow refuses to acknowledge that validity of debt does not allow them to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money. I requested debt validation in XX/XX/2020, and received no response. I was not given any opportunity to validate, verify or ( if valid ) satisfy the debt prior to credit reporting.
The attached shows clear inaccurate date, inconsistencies, and duplicate reporting all violations of the FCRA.
|
| 08/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have responded and sent out dispute letters to company Ability Recovery Service for XXXX College. XXXX College stating that I owe them {$1300.00} in payments for classes that I never attended. I was a victim of identity theft and have present an police report to the credit bureaus to put on my file. They have my phone number and mailing address that they are sending this information to and I have not done any business with them. I have explain in my letter to Ability Recovery Service collection agency that I do n't owe the money for this debt. Per the collection agency XXXX College wants me to call them and explain the situation to them, but I sent dispute letters to them and the credit bureau to get this collection debt off all three credit bureau and I have not had any luck.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to XXXX XXXX XXXX in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed.
On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them.
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
|
| 06/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Ability Recovery Service has damaged my credit terribly with duplicated collections that they refuse to verify with my signature, list of services, dates, and amounts. I've called and emailed them about removing these fraudulent collections and they tell me that I have to pay or have bad credit forever. The staff is very rude and kept insisting that I owe this debt. I even told them how the same exact amounts were duplicated multiple times and that there's practically no way that can happen with several visits to the hospital as they are claiming I did. I've fought with them for over 2 years and this has impacted my family and business tremendously. I've been denied resources because of this on my credit. Please investigate them and remove these items from my credit reports.
|
| 01/25/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under medicaid/ caresource but the companies refused to resubmit it and caresource has no record of it being submitted.
|
| 10/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I faxed a cease and desist letter to ability recovery services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against ability recovery services. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from ability recovery services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX.
Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired.
I need signed documentation with my signature on it.
|
| 09/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I mailed 2 letters to Ability Recovery Services , LLC requesting that either they provide me with proof of this collection account on my XXXX credit report or remove it immediately and stop all collection practices. I gave them 30 days from XX/XX/2023 and 30 days from XX/XX/2023 to send me full details of this debt including my signature on their application or contract agreeing to do business with Ability Recovery Services LLC or any of its affiliates. They did provide me with a responses from either letter nor did they cesse collection practices. They continue to report inaccurate information to the credit bureau XXXX every month as if I have an agreement to do business with them when in fact that I do not. Attached is a proof of receipt of my letter from the USPS.
|
| 11/22/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this same issue in XX/XX/2022. XXXX College continues to send {$1000.00} as a collection on my credit report through different third party collection agencies. The first collection agency I disputed this with sent no proof and harassed me over the phone that I owed {$1000.00} to them. I filed a complaint and they deleted the collection. I now have the same collection on my credit report from a different agency called Ability Recovery Services. I called in XXXX and still have not received any proof from this collection agency about the {$1000.00}. I researched Ability Recovery Services and they are not even licensed to collect debts in the state of Arkansas, so why are they harassing me? I want this taken off my credit report and I want it to stay off.
|
| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I checked my credit last month and discovered a new collection. I had never received any letters stating I had a balance from the original creditor or the company that bought the debt. I called and spoke with Ability recovery service who told me the account is from XXXX XXXX XXXX emergency from XX/XX/16. On XX/XX/16, I did have a visit with XXXX XXXX. The visit was billed to my primary insurance XXXX and my secondary insurance XXXX XXXX. The visit was billed past timely filling and both insurances denied the claim as timely filing and left XXXX patient responsibility. XXXX XXXX, in particular, is a government plan and it is illegal to bill amounts not approved by XXXX XXXX on the explanation of benefits. I have attached my Explanation of Benefits from my insurance.
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me.
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 01/25/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX word generated letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under XXXX but the companies refused to resubmit it and XXXX has no record of it being submitted.
|
| 10/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a phone call from XXXX XXXX calling about I debt I do not owe. I explained to him that i have health insurance and that the bill was never presented to my insurance carrier after calling XXXX medical and telling them that I had insurance and that I gave it to them during my emergency room visit and I gave them the information again. It's a violation of law to bill a consumer because the hospital didn't bill my medical insurance. After I spoke with XXXX XXXX explaining that I never received any information from his company he explained that they had an incorrect address on file. He corrected the address and started that they would send the information again. He also stated that its scheduled to go on my credit report even though I disputed it with him.
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am filing a complaint against Ability Recovery Service ( ARS ). This collection agency started reporting an item from XXXX XXXX on my XXXX and XXXX credit reports some time in XX/XX/XXXX, as noted on XXXX credit report # 1, dated XX/XX/XXXX The date of first delinquency is reporting as XX/XX/XXXX. On XXXX credit report # 2, dated XX/XX/XXXX, you can see that the item is no longer reporting. But on XXXX credit report # 3, dated XX/XX/XXXX the item has re-appeared with a new account number and a new date of first delinquency. This is a serious violation of the Fair Credit Reporting Act pertaining to Section 623 ( 5 ) ( A ) and has caused me a hardship with obtaining a home loan due to the fact that the item is reporting as n new collection less than a year old.
|
| 08/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company is called ability recovery services, the continue to call and harrass me over a debt I have no knowledge of. They have contacted my employer multiple times trying to collect a Debt I have no knowledge of! The dinged my credit report as they said they would. The very first calls started at this beginning of 2022 and haven't stopped. They said they would make whatever attempts necessary to collect. Everytime they call its nothing but angry people making threats. It is really crazy because I do not have any knowledge of this account. They have dinged my credit with all 3 major credit bureaus. They even have the wrong address listed on my credit report. An address in XXXX. I have never ever lived anywhere else but ohio in my adult life. Please help me!
|
| 03/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2018 I went to check my credit and to my surprise a medical bill that I knew nothing about was listed. It was from XXXX XXXX XXXX XXXX for {$890.00} and the creditor was Ability Recovery Services. Well from my understanding I signed a HIPAA form when I go to the doctor or a hospital, which states that I only allow them to discuss my medical information with whomever I put on the form. That medical debt collection agency does not have permission to access my medical information. Im asserting violation of HIPAA based on improper disclosure of the medical procedure, and to get a resolution pertaining to the disclosure of the medical procedure. violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and bureau.
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is in regard to Ability Recovery Services phone number XXXX in regards to XXXX XXXX the supervisor and XXXX. I have sent them multiple documentations that proved that the debt was paid off. They keep telling me that they have to wait till they hear from XXXX before they take it off my credit but I spoke to cascade and they gave me the documentation that is needed as it was settled in full by my insurance company and that ability recovery services has never reached out to them regarding this debt. I have disputed this with my credit bureau and it came back with the debt was verified even though I have the documentation that I can attach. They also keep saying that it is my credit that will be continued to be ruined. They have hung up on me multiple times
|
| 12/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have disputed info with this company and it was removed by XXXX XXXX that I owe them nothing.Well I got an alert and contacted XXXX this debt XXXX has reappeared as new collection on my credit as it came off last week plus this company told me I would have to get it removed that they disnt do that.please help me get this company to again remove this fraud from all of the credit bureaus.every time I get fixed they reappear. This is affecting my health to the point I'm going to have a nervous break down.please help me with this immediately today.its important as I have to be at the bank and its awlful I have to repeat what I've had to endure for two years now.please make them remove all there info from my credit report and leave me alone please.thanks.XXXX
|
| 03/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Ability Recovery Services apparently states that they are collecting for XXXX XXXX XXXX XXXX, a debt that is not mine as I was never seen by those physicians. I disputed the debt when it first appeared on my 3 credit bureau reports in XX/XX/2017 as well as with the company. It was removed from my credit reports during that time. Then the debt was sold to XXXX XXXX who placed it on my credit report, it was again removed. It is now appearing a 3rd time being reported this month as a debt that is owed. The amount of {$180.00} appears each time. It is not a debt that I owe. I consider this harassment to have it removed each time. It should be illegal that they can keep reporting the same debt that is not mine in the first place and affecting my ability to buy.
|
| 08/07/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
What I follow your line from suggesting that there is information that is incorrect in my credit reports to the fact that I find that it is not correct first the 3 office that gives fact information concerning the credit repair even when I keep them informed this one is not doing its job properly. He continues to put information that is fair in my credit report for which I am not guilty is that I see what any service at as if the right to put information that is unfair to the fact in my credit report and which means that my credit can not advance and that my score is really stupid or else a credible one who will not be able to allow me to take credit or want to work on my credit so that it can advance and that I was waiting for the level I am wishing for.
|
| 02/24/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.
|
| 09/02/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was notified several years ago of a debt that I allegedly owed to a school.
The name of the school is/was XXXX XXXX.Upon information and belief It was/is an online school.
The amount of the loan was XXXX. After looking at it I noticed that the date of birth didnt match mine nor was any phone number ever used by myself. The company continues to attempt to collect despite the FTC Identity theft report and my many calls and correspondences. Ive called and was hung up on on numerous occasions.
The name of the company is Ability Recovery Services XXXX XXXX XXXX XXXX, XXXX , PA This account was opened and/or loan was taken out while I had a freeze on my credit report and statement that says dont extend any credit to anyone without calling me first.
|
| 03/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I contacted ability recovery services on XX/XX/2023 to follow up regarding a direct dispute I submitted to there company requesting evidence of the collection item that's appearing on my consumer credit report, I also informed them that the item or collection item is the result of identity theft and I have not established this medical bill in my name I was informed by them that they sent an invoice to an address that I have never been associated with and that was the proof and I was hung up on by there representative I submitted an identity theft affidavit and formal dispute letter on XX/XX/2023 and was informed by XXXX that the information provided was accurate and correct as result the fraudulent collection item still remains on my credit report.
|
| 06/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have filled a dispute several times through XXXX explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my XXXX credit report and XXXX is agreeing with the company on this bogus proof or debt they are providing. Is XXXX an accomplice? I am happy to add them to the lawsuit as well.
|
| 07/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by Medicare. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by Medicare and that all information is correct.
|
| 02/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
ability recovery services has altered the date of an account opened from XXXX XXXX on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on XXXX times. the woman I spoke to XXXX, informed me that this debt was from a buckle credit card opened in XXXX but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.
|
| 03/21/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/2020 I paid {$500.00}. I have a balance due of {$1900.00} after paying the {$500.00}. Prior to XX/XX/2020 I made smaller payments ; I lost my job and I was unable to make the payments. I called on XX/XX/2020 to make a payment and I was told I would have to make the payments to a collection agency in the amount of {$2300.00}.
I asked to make monthly payments to cover the amount for {$1900.00} but they would not accept it. I believe the sent the debt to the collection agency prematurely and that they should work with me to continue paying on the debt.
They destroyed my credit rating ; and the payments would have been made in larger amounts now that I have a job.
Companies involved : XXXX University, XXXX XXXX XXXX XXXX, XXXX, MD XXXX
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2020, I sent a third party letter to Ability Recovery Services, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Ability Recovery Services has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C. Section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
|
| 03/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive reached out to this company and provided paperwork that this is a fraudulent account. Ive also made multiple calls and spoke to reps and supervisors. I have fraud alerts on my account because someone has been using my information. Upon investigation I noticed that this account has been deleted off my records 4 times and resold. If this collection company doesnt remove this off my records immediately I will be forced to take legal action because theyre in violation of the FCRA and theyre breaking the law. I would like a phone call from the company that says I owe them and I want to know that this is off my records because its destroying my credit. Im giving them one week to respond and get this removed or I will get attorneys involved.
|
| 10/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by XXXX and that all information is correct.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As per 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
So please tell me who you spoke to regarding this debt to take it upon your self to add this information to my reporting violating me ans resulting in Identity theft as per 15 USC 1681a4, and 15usc 1681b permissible delete immediately and cease and desist all this mess.
|
| 02/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I was a student at XXXX University and placed my education on hold due to XXXX parent illness. The school was notified and information was shared of the situation where a leave of absence would be required.
However, the school did not update my status and blocked me from returning when I tried to complete the degree. In addition, The school stated the returned funds to the department of education which has not been founded. Therefore, since this was a statement they applied they charged my account for monies in which they stated that was returned. In addition they have blocked me from receiving my transcripts to continue education elsewhere.
now they are attacking my credit report with a falsified bill of service that never occurred.
|
| 01/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this account since I have never been do the hospital where the collection came from. After months of sending them information I was told my the collector that the account would be deleted. Two weeks later is was deleted.
Now, months later, the debt has reappeared and they tell me it was just updated and was never deleted and now they want more information. They are super rude and even harassed my mother at her address for years with letters and phone calls before they finally asked her for my phone number. Very unprofessional and are not willing to listen to logic. They just want money, don't care if their information is correct or not. They won't and probably can't even confirm is this doctor even saw me.
Disgusting.
|
| 07/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have tried to fix this debt with this company, I sent them letters. I called them the account comes from identity theft, I got into a desperate situation where I was going to pay it because my grandma passed away and I needed a loan to pay for funeral at a very sad and hard time in a desperate situation I called this company and theyve tried to take advantage I told them I was a victim of identity theft this isnt my account but I needed to have a funeral for my grandma and They tried to get me to pay money I dont have for an account I am a victim of identity theft and Ive been a victim of this debt collector trying to take advantage of me please helpThey are ruining my credit profile causing me pain on top of pain. This is wrong
|
| 07/16/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I attended XXXX university back in XXXX ; I only attended the college for a week. The policy stated that if you withdraw from the college the first week, then the balance owed Is XXXX. about two years after withdrawing from the institution, I received a bill from Ability recovery services for XXXX dollars. I reached out to them about the debt I tried to dispute the debt with an account representative, they argued with me about the debt and refused to help me. I then reached out to XXXX University for help ; they told me there was nothing they could do. I would have to contact the collection agency. This year I submitted a dispute to the collection agency once again ; they took {$5.00} off the bill when the balance should be XXXX.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
on XXXXXXXX XXXX XXXX I opened a account trying to finish my education with XXXX XXXX but couldn't because I was being XXXX XXXX XXXX XXXX XXXX and had to move and file a police report lost everything including my XXXX XXXX and losing my apartment 3 months later I couldn't pay to finish my education I had to put everything on hold and get me and my kids to a better place I called an told them this but no one wanted to listen I even send letters and proof of what was going on they still charged me and left me with a balance of {$350.00} and as up today the account still say opened and its suppose to say closed and removed I tried calling them and they told me to call a 3rd party who owns the account which doesn't make any sense
|
| 07/10/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I called the company for 2 days trying to speak with someone about the debt. I was hung up on by a man. I called back and was talked to disrespectfully. called for the 3rd time and was able to get a rep to listen to me as I stated to here that that debt was made in fraudulent act by someone who compromised my identity. but being that I didn't want to give my current address or detail about myself I was told she couldn't help me. But then company is aware that the debt bought is a fraudulent debt that was not made by me.
ability recovery services XXXX XXXX XXXX XXXX, PA XXXX XXXX original creditor. XXXX XXXX XXXXXXXX WHICH IS NOW PERMANTLEY CLOSED AS I RESEARCHED COLLECTION : XXXX, XXXX, XXXX XXXX # XXXX {$3400.00} XX/XX/2022
|
| 05/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
at XXXX XXXX EST XX/XX/20 I called them at ( XXXX ) XXXX from my secondary line ( XXXX ). I spoke with a male who tried to advised me about the debt details over the phone. I requested Validation of the debt as i have never received written notice nor a phone call. The agent/representative began to become irate when i requested " Full validation '' saying that an " itemized bill '' is the same thing. I said if its the " same thing then i don't know what the big deal is when i request full validation from you since i never received written notice ''. The agent then stated " you know what? we're not doing this today '' and disconnected the call. Never obtaining my new address nor assisted me with my concerns/Validation request.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX has been on my credit report for years for a debt from XXXX XXXX XXXX, however, I notice that they keep re-aging the open date of the collection accounts causing this to never disappear from my credit report. I called the offices of XXXX XXXX XXXX and they immediately denied any wrongdoing after I advised them that re-aging collection accounts is a highly illegal practice. They agreed to send me any documentation in regard to the liability of the account as well as relevant collection information. The rep advised me that the service date was back in XXXX, but none of the collection account information is listed that far back, it's all new information from a few months ago and this information is inaccurate.
|
| 01/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Last year, I asked for written verification with a handwritten signature of proof of debt. I submitted a complaint through CFPB on XX/XX/21 ( complaint ID XXXX ) stating, I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal.
However, today, I seen it has been put back on my credit reports without receiving any written notification in the mail and the company removed the it from my report last year.
|
| 06/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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 ).
|
| 10/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Good evening, On XX/XX/2022 between XXXX and XXXX I received a series of 5 calls from XXXX XXXX that I attempted to answer more than once and also received a voicemail at XXXX asking me to call same number at extension XXXX. I called back and was transferred to XXXX XXXX at Ability Recovery Services who asked me to verify the last 4digits of my SSN without advising me of the purpose of her call. Once I requested the reason for the call she advised me that it was regarding a debt from XXXX or XXXX on behalf of XXXXXXXX XXXX I advised her that I had no idea who XXXX or XXXX company was and that I needed a report of the charges from the original creditor to verify.
I can be reached at XXXX XXXX or by email at XXXX XXXX
|
| 09/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/2018, I submitted a letter to Ability Recovery Services LLC, offering full payment with conditions to be met ( See attachments ). The company agreed to the conditions and an agreement was entered into. I submitted full payment, however, the company did not honor its end of the signed and dated agreement in regards to XXXX. I have attempted to contact the company on two separate occasions after I submitted full payment via certified mail, which the company received each post-followup letter. However, the company has continued to ignore my letters and to the date of this complaint has refused to honor the agreement. I am making this complaint as one of the advisable options prior to any elevation of this matter.
|
| 02/28/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services has a collection on my acct for an XXXX XXXX for XXXX XXXX. I have not applied for this school in over 8 years. No payment was made on this particular acct. I have went to this school twice before. Once as a minor and once as an adult and all fees were paid in full and has been off my credit report for a few years. Then another acct comes up with me owing them {$1400.00} which I feel was a mistake on their behalf. I have not been a student of this school in I know over 8 years. I have asked serval times for proof of this acct. None given to me. No one would just apply for a school in someone else name with no benefit to them. I think the company has applied someone else debt to me by mistake.
|
| 08/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ability recovery services is listed on my credit as the collector for XXXX XXXX, I never attended XXXX XXXX. I filed a dispute 4 times over the past 3 years about XXXX XXXX and/or Ability Service Recovery Service and have told them that I never attended the school, I never physically signed an agreement with the school. They have ignored my attempts to get the negative remark removed from my credit. Ability Recovery Services is listed on my credit as {$1700.00} and again as {$1700.00}.
The amount listed as {$1700.00} was opened on XX/XX/2019 The amount listed as {$1700.00} was opened on XX/XX/2019 I have never attended XXXX XXXX or ever called for information let alone signed an agreement to attend their institution.
|
| 02/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
- In XXXX, XXXX I noticed a collection on my credit file I did not recognize from Ability Recovery Services , LLC.
- On XXXX XXXX, XXXX I requested the collection agency validate that debt or remove from my credit file if they could not validate. I also disputed the debt with the credit bureaus. It was removed from XXXX, but not XXXX. I an not sure of the status on XXXX currently.
- On XXXX XXXX, XXXX, Ability Recovery Services sent me a settlement offer with no validation or explanation of the debt.
- On XXXX XXXX, XXXX I again requested validation of the debt or that it be removed from my credit file.
- On XXXX XXXX, XXXX Ability Recovery Services again sent me a settlement offer with no validation of the debt.
|
| 12/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.
|
| 11/27/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Consumer received written notice from Ability Recovery Services , LLC ( " ARS '' ) demanding {$2300.00} on or about XX/XX/XXXX. In connection with the collection of a debt, ARS represented, directly or indirectly, expressly or by implication, that Consumer owed {$2300.00}. The representation was, in fact, false or was not substantiated at the time it was made.
In XX/XX/XXXX, ARS furnished this false information to each major consumer reporting agency ( " CRA '' ). ARS communicated to third parties that Consumer was several months delinquent on a debt owed to XXXX University in the amount of {$2300.00}. ARS furnished this information post notice of inaccuracy by Consumer at the specified address for such notices.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ability Recovery Services llc is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( XXXX and XXXX ). This is a violation of FCRA and if Ability Recovery Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
|
| 05/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2021, ABILITY RECOVERY SERVICE increase my balance by {$20.00}. On XX/XX/2021, I sent a debt validation. On XX/XX/2021, I received my original contract from the agency & that states that my original account balance is {$870.00}, not {$890.00}. Per 808. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
|
| 12/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt through XXXX XXXX XXXX XXXX XXXX in 2020. I have receipts proving I did. Because I paid this over XXXX years ago, the charge was less because it had accrued interest. Now the charge has been jacked up and I refuse to not only pay this charge again, but I refuse to overpay. I have been in contact with the former CEO/founder of XXXX. The company no longer exists and has closed, so I am unsure who is even following up on this debt ( that again, was paid ). The CEO didn't know either.
I have tried to send Ability proof of payment, but every time I do, the emails bounce back as I am only provided with bogus email addresses. XXXX time I spoke with them on the phone and they yelled at me and hung up.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In complaint XXXX dated XX/XX/2017 this company responded to a complaint I filed with your bureau and advised that they would be removing the account from my credit as promised in the next credit cycle. To date that has still not happened. I have both contacted the company directly, and disputed online at least 5 times and each time the company replies that it is reporting correctly. This is still negatively affecting my credit, and stopping me from obtaining new credit/credit increases. It has negatively affected my interest rates. I don't know what other recourse I have. This is my third time reaching out to this bureau for this account to be removed as the company told me they would do, and then you as well.
|
| 11/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Years XX/XX/XXXX & XX/XX/XXXX I have tried multiple times to contact this place in addition to the credit bureaus to let them know that I am not responsible for this debt I have been a victim of identity theft My car was stolen in XX/XX/XXXX, my home was vandalized in XX/XX/XXXX among other issues I encountered with my taxes where someone tried to file an amended tax return in my name This Place XXXX XXXX will not budge and continue to say I owe them the money when I did not sign up for any school or education assistance with them The Credit Reporting agencies does not believe and will not remove it I did not even receive any kinds of billing which would have alerted me earlier than when I first found out
|
| 02/02/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2024 I called Ability Recovery Services LLC. XXXX answered the phone very pleasant at first. I informed him what I was trying to do with a payment plan and he stated that I need to ask family or friends for some money and to call back with a reasonable payment plan and just hung up the phone. so I called back again and the phone got disconnected called back a third time and asked for a supervisor. They stated that they still had to connect me to XXXX but just ask for a supervisor. When I did that all XXXX broke out. He stated I was wasting his time and what part do I not understand. I stated this is being recorded right? and all I want to do is talk with a supervisor. He then hangs up the phone.
|
| 12/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
|
| 04/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
My credit report shows a collection account by XXXX XXXX XXXX for something called " XXXX XXXX ''. I sent the attached letter to XXXX XXXX XXXX requesting proof in the form of a signed document by me stating that I am responsible for this account and to date no one has responded to my request. I believe this is a violation of the Fair Credit Credit Reporting Act. My identity was stolen and I am only finding out about it now as I went to apply for a credit card. I am demanding strict proof that this is my debt and I want to see where I signed for this loan/credit card or whatever the original debt is. It has been over XXXX since since I made my request and this is hindering my approval for an apartment.
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1.ability recovery services llc 2XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX these following companies are in violation of the fair credit reporting act ive reach out to these companies multiple times and the have refuse to respond in a timely fashion... the violation are including but not limited to..
15 usc 1681b permissible purpose.. I never gave none of these companies permission to use my information. 15 usc 1681 s-2 states if a company is notified that the information they are reporting is inaccurate they must remove it or do a full investigation and show proof that information is accurate 15 usc 1681 c-2 any furnisher shall not report any information that the consumer deems to be identity theft
|
| 12/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 08/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery had a collection agency on my XXXX credit report NOW they put it on my XXXX REPORT as of XX/XX/XXXX after they said they would remove from all 3 bureaus, original company XXXX XXXXXXXX XXXX XXXX owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by advanced recovery at all, and statue of limitations have passed for a XXXX account, I WILL BE SEEKING LEGAL ACTION ON THIS COMPANY ASAP they re aged a XXXX account to appear XXXX, this is illegal. I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to obtain credit. Thank you
|
| 08/16/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am composing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently familiarized myself with US laws . I am aware that, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I have the right to safeguard my privacy and medical records from third parties. It is important to clarify that I do not grant any third-party collection agency access to my personal financial information. While I acknowledge that HIPAA allows for limited disclosure of information about me, such details may only be disclosed with the patient 's explicit authorization. Consequently, my request comprises two aspects as outlined below :
|
| 02/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not owe this debt and the balance date is inaccurate. They formerly had this account.They reported the debt to my credit on XX/XX/XXXX, NOT in XX/XX/XXXX. I have historical proof! I have recorded alerts via XXXX XXXX portal that shows when the agency first reported to the credit bureaus about this debt. The collection agency is practicing illegal acts : Ability Recovery Services , LLC located at XXXX XXXX XXXX XXXX, PA XXXX. They have been on my credit file before XXXX but they are reporting the account in their office as new as of XX/XX/XXXX. The account they have is more than a year old. That is illegal. Please have them to stop harassing me, as I do not owe this debt. Thanks in advance!
|
| 06/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability Recovery has failed to provide proof that there is some contractual obligation which is binding on me to pay this debt. Ability Recovery has also failed to provide copies of any HIPAA authorization since this is a medical account or copies of any agreement that bears the signature of the alleged debtor wherein he or she agrees to pay the creditor agreement that I have with their client that grants them the authority to collect on the alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES : and SEC.13407 ( 1 ) BREACH OF SECURITY.
|
| 07/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am filing a complaint today against the above company because I have asked for debt validation and have yet to receive anything saying that I owe a debt to the actual company. Also I have never signed a contract nor had any services through Ability. Not to mention they appeared in my credit report before but was disputed due to not having validation of me owing their company any money. I recently checked my credit reports and saw they were back on there without giving me the proper notification of them putting the debt back onto my reports. I do not have any knowledge of me owing Abilitly for any services through them and when I requested validation of the alleged debt, they did n't respond.
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( Ability Recovery Services & XXXX ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1656B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I had an account to become pass due with XXXX University.
They sent it to Abillity collection services whom then sent it to credit XXXX and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due.
It have made calls to both XXXX and Ability services they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Ability Recovery Services keeps calling me about an outstanding debt. I attempt to talk about the debt and recieve very hostile treatment from the agent. The agent 's name was XXXX. I called and asked what this was about, she said I had an outstanding debt with XXXX XXXX ( somewhere I do not recalll attending ). She bluntly states " Do you want to do anything about this, or not? '' and I said " What can i do? '' the agent then says of course not, you'll have an outstanding report on your credit in full, and hung up. This particular company has attempted to collect on this debt many times and everytime the agent is very hostile, and has threatened law enforcement action in the past as well.
|
| 07/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a complaint against XXXX XXXX and their collections agency they use. I have used XXXX XXXX only once, to pursue a online certificate. I paid in FULL. I now have 3 different collections on all 3 of my credit reports with 3 different amounts and 3 different dates. I have disputed non stop since XX/XX/XXXX asking for proof and original documentation of these " collections ''. Nothing works. They keep it on my credit reports which is damaging my credit horribly. First account with XXXX XXXX was in XX/XX/XXXX. That is all. No other accounts. I never received any letters or phone calls stating there was a problem. Please help me fix this and get all 3 of these off my credit. Thank you.
|
| 07/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year.
These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : ***Add Collection Details for the company ( Furnisher/Original Creditor XXXX Account Number ) Account Number : XXXX Collector : XXXX Original Creditor : XXXX XXXX XXXX Status XXXX XXXX Balance Amount : {$XXXX}
|
| 06/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICES , LLC reported a collection on XXXX for the amount of {$640.00}.
Agency Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Agency Phone : XXXX Original Creditor Name : XXXX XXXX XXXX Ability Recovery Services is a third party debt collection agency representing XXXX XXXX XXXX. I never signed a contract with neither of these companies. I never gave consent for these companies to use my private information. I never received a notice or method to opt-out or prevent the disclosure of my private information to third parties pursuant 15 U.S. Code 6803 Company refuses to obey consumer protection laws, which is negatively harming my nonpublic personal information.
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX Ability Recovery Services , LLC opened an account in the amount of {$1800.00}. This was a collections account for educational services. On XX/XX/XXXX Ability Recovery Services closed the first account and opened a second account for the same educational provider. This new account was in the amount of {$1900.00}. On XX/XX/XXXX the second account was closed and a third account was opened by Ability Recovery Services LLC for the same educational provider. The new amount was for {$2000.00}. This is a blatant attempt to re-age the debt. As seen in the attached images, each time the new account is opened the original amount of the debt is also changed, which is incorrect.
|
| 06/03/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability recovery I called they hung up on me three times. Was even told by one agent I dont have time to deal with people like you. Because I was stressing the fact they had to take off my report.
I even mailed a copy of the report to them.
I told them this debt is being disputed thru the department of education. I have a reference number to give them they didnt want it. It clearly states this means the federal government or debt collection companies will stop attempting to collect on the loans until the borrower of defense reviews the process and my application is completed.
They would not listen and kept stating it will stay on my report.
Amount is XXXX XX/XX/XXXX 2015
|
| 10/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
When requested validation of debt a rep by the name of XXXX XXXX screamed at the top of her lungs and told me to pay my bills after calling me XXXX I requested twice for debt to be validated still no response requested this within 30 days allowed. This company placed on my credit report without validating debt with me and also I stated I do not deal with third party collectors. They have still harassed me to the point I had to block their number. And mail a letter stating that if they continued to contact me I would file a complaint and or seek legal counsel. I do not owe this debt I advised original creditor to validate the debt and they refused to validate debt in writing.
|
| 10/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. This collection account showed up on my credit report XX/XX/2018. I disputed and the company said the collection account will be deleted from all three Bureaus but as of today XX/XX/2018 this company is still reporting on my credit. My credit is being messed with by this company.
|
| 07/23/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
|
| 07/23/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
|
| 12/02/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I contacted the company to confirm the debt and it was accurate and the amounts they were suggesting I owed. I offered to pay what was set to be paid, even though all services were not provided to me. They threatened instead of resolution to file with the credit reporting agency instead of verifying the debt, confirming the amounts were owed, in fact saying they did not have that type of communication available to me. My only option was to pay the full amount in payments or credit reports. They then reported my credit against the Fair Debt Collection. https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A few years ago I signed up to take a course with XXXX XXXX. I made one payment and received one book and I called the school letting them know I will not be able to continue the course and after that phone call I never heard back from the college no emails, no phone calls, no mails. When I check my credit report and I notice Ability Recovery Services states that owe this XXXX money. At some point they remove the debt and then add it back on which is totally illegal.
If I owed XXXX XXXX any funds, why didn't the school reach out to me or sell me my debt for whatever percentage it was sold to Ability Recovery Services.
This Company is a scam and they need to be stop.
|
| 01/31/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
Ability Recovery Services LLC had sent a piece of mail to my home in regards to a debt from XXXX XXXX in the amount of {$1800.00}, this was paid in full through their website towards the end of 2023. However, since then the collection has come off of my XXXX credit report, but they are refusing to remove it from my XXXX credit report. I need this removed please. I am growing a small business and taking care of my mother and this is affecting me getting the help that the business needs and my mothers needs. I filed a dispute through XXXX and they were unsuccessful at getting it removed. I appreciate anything you can do to help me with this matter.
Sincerely XXXX XXXX
|
| 08/26/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was at XXXX XXXX XXXX My acct became past due for 3 months I made a payment back in XXXX of XXXX which brought my acct down to XXXX with accounts receivable my acct went to debt collection last year around XX/XX/XXXX and it went to acct receivable management so it got transferred this year in XX/XX/XXXX almost a year later stating I owe XXXX they added fees to the original balance of XXXX my acct was already with a debt collector so how can they charge me almost XXXX I don't owe that and if they transfer from one debt collector to another how can they add that to my original creditor bill your original debt stays the same they can't go back a year later and add XXXX
|
| 12/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account from ABLTY RECVRY account number XXXX has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company which the claim {$690.00}.
|
| 02/02/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ABILITY RECOVERY SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXX RE : Disputed Account # XXXX I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
|
| 05/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to request validation of a debt that is appearing on my credit report. The debt in question is from an unknown collector ( ABILITY RECOVERY SERVI ), posted this XX/XX/2023 and I would like to verify its accuracy and legitimacy.
As per my understanding of the Fair Credit Reporting Act, I have the right to request validation of any debts that appear on my credit report. Therefore, I am requesting that you provide me with the following information : The name and address of the original creditor.
The original account number.
The date the debt was incurred.
The amount of the debt.
Any other information that will help me identify the debt in question.
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by Ability recovery services and made arrangements to pay them .I did set up payments to come out of my account on both bills, Then I called agin and left a message that I would be making payments of a different amount on the XXXX of XXXX not the second. I did make the payments on XX/XX/XXXX. On XX/XX/XXXX they took XXXX dollars from my account and said it was a arrangement. I told them I made the payments So why are you Taking more money. They told me there was nothing I could do. So I had to block my card. The lady name is XXXX who I talk with. This has been a nightmare for me. I am willing to pay them but do not want them taking money from me.
|
| 05/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Ability Recovery Service LLC has continued to harass me about debt that is not mine. I sent a validation letter to the company post dated XX/XX/2022 to stop contacting me unless they can show me evidence that I am responsible for this debt and their authority to collect this debt. They have failed to respond to my letter but rather continue to harass me with unjust communication tactics which is in violation of the fair debt collection practices act. I am disputing all of debt and would like all communication from this company to cease once and for all. No more phone calls or letters. I also would like any of this incorrect information removed my credit report.
|
| 01/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On today, Friday XX/XX/2022, I received an ALERT from my, Credit Monitoring Service that my XXXX XXXX had dropped XXXX Points. When I called the phone number associated with this debt that, I know nothing about ( XXXX ) the person who answered the phone, HUNG UP ON ME!!! These people, Ability Recovery Service are a, SCAM. All of a sudden a debt pops up on my Credit Monitoring Service for {$5900.00} that I know nothing about. I have NEVER received anything in the mail from these people. I want this DEBT Removed Immediately!!! I want all of the Documents associated with this Fraudulent debt mailed to me so, I can forward it to my Attorney. Thank You. XXXX XXXX
|
| 03/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This agency has been harassing to pay a debt that has already been paid. The debt was paid in XX/XX/XXXX. They are still harassing me. I had to block their number and I am still getting letters. I told a man in XXXX, I would take care of it. I did not even remember the debt and I took care of it like I said I would. I found out today XX/XX/XXXX that they added the debt to my credit report, falsely. They are not managing their accounts correctly or trying to make me pay the debt twice so that they can make money off of me. I am literally in the process of looking for a home and they are messing with my credit score and ability for my family to buy a home.
|
| 09/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
JUNK DEBT BUYER - YOU ARE IN VIOLATION OF THE FDCPA- YOU ARE IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS Ability Recovery Services at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices and they are reporting a collection account - Account # XXXX - in the amount of {$180.00} the collection has been reported as a positive balance and a collection account. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. This is Aggravated Identity Theft. I have included several violations that you, Ability Recovery Services, owe me in my Bill of Particulars.
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A payment was made to XXXX XXXX in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
|
| 12/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect.
To make matters worse In XX/XX/2018 XX/XX/2018 I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.
|
| 12/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect.
To make matters worse In XX/XX/2018 XX/XX/2018I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.
|
| 05/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Correspondence was sent t o ARS LLC o n XXXX / XXXX / 2017 inquiring about a {$1700.00} medical debt reported to XXXX , XXXX & XXXX . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. I believe that this debt is not mine and the fact tha t ARS h as never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for ARS to contin ue reporting this debt.
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This account was back fromXXXX. The original creditor is XXXX XXXX XXXX now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.
|
| 02/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I dont know know this company, and they have harassed me several times ; I have repeatedly asked to them explanation of the collection and to send a letter to my current address validating the debt and explain the charges. They have not done so. I have offered to pay this debt in full if they are willing to remove this derogatory remark even though I dont believe I owe us this debt, they have however, refused to answer me after that as well. They continue to harass me without explanation or whom the original creditor was. I believe they have reported to my credit twice from different company names XXXX XXXX XXXX And Ability Recovery Services
|
| 10/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called ABILITY RECOVERY SERVICE on XX/XX/2020. To request validation of debt.
.which is showing on my credit report as being opened on XX/XX/2020. which is incorrect. I requested original creditor name, contract signed, and the amount of debt.
I received no response. On XX/XX/XXXX I disputed this debt with credit bureaus ( XXXX, XXXX, and XXXX stating needed original creditor, and validation of debt. XXXX responded on XX/XX/XXXX stating debt remains and its listed as accurate.
Account Name ABILITY RECOVERY SERVICE Account Number XXXX Date Opened XX/XX/2020 ( incorrect ) Status Collection account. {$2000.00} past due as of XX/XX/2020.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am in the process of closing on a house. The mortgage lender detected an outstanding balance of {$450.00} on my credit report. After speaking to a representative named XXXX XXXX at Ability Recovery Services ( the debt collector ), I have discovered this balance belongs to a person named XXXX XXXX whose date of birth is XX/XX/XXXX and whose address is XXXX XXXX XXXX EE, XXXX, Tx XXXX. I was told XXXX XXXX purchased an online course through XXXX XXXX on XX/XX/XXXX, which resulted in the balance. I am not sure how this balance came to be on my credit report, but it does not belong to me. This balance must be removed from my credit reports.
|
| 06/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have mailed 3 letters trying to resolve this matter. every letter stated that this was not my account. I have repeatedly ask for proof that this is my account. I have ask repeatedly for something bearing my signature. And in reply ive been told they are not required. To show proof of anything with my signature. they only send a print out of a bill nothing with my signature on anything!!!!. the first letter was sent by certified mail on XX/XX/XXXX. the second sent by certified mail as well on XX/XX/XXXX this was in response. too their print out of a bill as proof that this is my account. once again they sent nothing bearing my signature.
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found a collection company on my credit report called XXXX XXXX XXXX. I called them and they said that the City of XXXX said I owed them for an account that was my mother 's. She XXXX XXXX XXXX of 2016. This was not my debt it was hers. They told me to call the City of XXXX. The City of XXXX said they were charging me because I was her power of attorney. Power of attorney ends at XXXX. I explained that and they said that they knew that, but someone had to pay the debt. I was not responsible for her debts and could not pay them after she died. They said they refused to remove it, even though they knew my power of attorney ended at XXXX.
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have recently been looking into repairing my credit. While doing so, I came across a collection on my credit from Ability Recovery Services which stated that I have a balance of {$2400.00}. I have no knowledge of this debt, It has been on my credit reportedly since XX/XX/XXXX. I have not received one letter or call about this debt. On XX/XX/XXXX, I sent a certified letter requesting the validation of this debt. On XX/XX/XXXX is when they sent me a letter responding with a breakdown of charges related to this debt, no contract binding by me and this creditor, no signatures exchanged, or nothing of the sort. I am not aware of this debt.
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Services submitted a false claim to the credit reporting agencies that I owe them {$570.00} and have not paid. They state this originates from XXXX XXXX XXXX. Currently, I am on a payment plan with XXXX XXXX XXXX XXXX XXXX I have never been late and made my most recent payment on XXXX. I called XXXX 's billing department representative, XXXX, at XXXX on XXXX & confirmed that my account was current after receiving a payment demand letter from this debt collector.
They filed this false report on XXXX. I can provide proof that I have made all payments in full and am on a payment plan. My payment plan concludes in XXXX.
|
| 10/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Fastunsecured.com submitted my information to the Ability Recover Services, which is a collection agency. They have stated that I owe a total of {$15000.00}. I have never received any monetary value what-so-ever. I have submitted disputes to the credit bureaus and results came back as remaining on my credit report. The collection agency said that I owe {$3000.00} per account. Those accounts are as follows : XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had a conversation with XXXX and they do not have any of my information on file, which only makes me think that these are fraudulent claims.
|
| 05/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
the debt collection company has written me several times and I have told them that I didn't owe the debt. that I had cancelled the online course within 3 weeks. I had provided proof to them and I was told that I still owed the full amount of XXXX I have asked them to stop contacting me and that I only wanted to deal with the original creditor. I have reported this to the credit bureaus as well. meanwhile this company continues to update my credit file every month. I even requested that they show me proof that I owe this debt and as of today they haven't, meanwhile the company don't even have me in there system of oweing them anything
|
| 10/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2018 a medical collection account appeared on my credit report. I called the collection agency and told them that the account was not mine and that is was someone using my identity ... I disputed the account several times with the credit bureaus and also with the creditor ... And they are saying its my account ... the account name and address are different than mine .... please help me i don't want to pay for something i had nothing to do with ... .The balance on the account is {$3400.00} ... i sent dispute letters on XX/XX/2018 and XX/XX/2018 ... I also called the credit bureaus and disputed the account over the phone ....
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a call from XXXX XXXXXXXX on an account for XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX a year after the agency called me on a bill for XX/XX/XXXX. This date of service was for XX/XX/XXXX, on the call for XX/XX/XXXX date of service I gave Ability my health insurance info which was XXXX XXXXXXXX and inform Ability staff to please also bill XX/XX/XXXX account. Ability staff gave info to XXXX XXXX XXXX and XXXX XXXX XXXX failed to bill XX/XX/XXXX date of service to XXXX XXXXXXXX. When I spoke to XXXX XXXX XXXX they advised me that they would like have account removed from collection and written off. But that has not been done.
|
| 02/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a collection account showed up on my XXXX credit report. I called the debt collector to tell them it is not my account and I never used those services. The representative asked me for my address, but I refused to give my address, as I have been a victim of identity theft before. The representative started using abusive language and threatened to report the debt to all three credit bureaus to damage my credit. I hung up the call as she started becoming more abusive. I have not used those services, and I can prove that that is not my debt, but I did not want to give out my personal information to that collection agency.
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
It shows on my credit report that on XX/XX/2019 a amount of {$710.00} is owed to ABILITY RECOVERY SERVI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else ... It appears on my XXXX and XXXX Report. The debt was once removed and now its appearing back on my credit.
|
| 11/18/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was put on an account with XXXX college. I was sent a collection letter from Ability Recovery Services. After multiple attempts to get this taken care of through both the college and collection agency. I have gotten nowhere. I have gotten cursed and hung up on by the collection agency. I have also been hung up on repeatedly by the the school itself. This is not my account. I finally spoke with XXXX person at the school that agreed to send me an email stating that my name would be removed from this account. Months later It is showing on my credit report. I disputed this with the collection agency and never heard anything back.
|
| 05/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
As of XXXX I was sick from XXXX and by that time cancelled my enrollment from " XXXX XXXX XXXX XXXX XXXX then was told I owe a balance of {$770.00}, which I do not due to the fact I did not pursue to further my education at that time through being sick. So my spouse emailed them for cancellation Therefore my information was transferred to " Ability Recovery Services '' and I am being harassed by early and late night calls repeatedly and it has a neg impact on my credit report saying I owe {$900.00}. I have tried other legal actions that have not worked. I would like this problem solved to get my life back on track. Thank you
|
| 05/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A company by the name of Ability Recovery Services LLC placed 4 collections on my credit report with no explanation ( aka no notices or letters ). I attempted to resolve this and still have not received any information. Which does not surprise me since I have not been to the ER in 8 years and I have great medical insurance. I recently had issues with things of this nature appearing on my credit and have had to file a complaint against XXXX & XXXX, and surprise, these are the 2 agencies reporting this false information. It seems like harassment from the credit reporting agencies as well as Ability Recovery Services LLC
|
| 03/18/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a debt collection on my credit reports from Ability Recovery Services, in the amount of {$710.00}.
This debt was transferred back to XXXX College on XX/XX/2018, where it was paid in full in two separate transactions of {$350.00} on the same date.
Per XXXX College on XX/XX/2018 by a XXXX XXXX my debt is to no longer be with an agency, my debt was paid in full.
I have disputed the debt to the Credit Buraus but Ability Recovery Services claims the debt is still active though I have receipts and ticket transcripts with XXXX College proving that it is not and refuses to remove the debt from my credit reports.
|
| 07/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 ( XXXX ) XX/XX/2018 ( XXXX ) and XX/XX/2018 ( XXXX ) I sent an electronic disputes for Ability Recovery Services stating that I owe them {$1000.00}. I received my credit reports back from all three credit bureaus stating it is " verified ''. I have sent two letters to Ability Recovery Services asking them to validate the debt that they are claiming on my credit report. I haven't received any written correspondence from them since I sent my letter ( s ) to them. The first letter was sent on XX/XX/2018 and the next one was sent on XX/XX/2018. No letters were sent to my home stating the debt is even mine.
|
| 08/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
on Monday XX/XX/2022. I XXXX XXXX contacted them to let them know the account REPORTED is not mine. I ask them why they are still reporting XXXX and XXXX when XXXX deleted and remove my credit report, WHICH I HAVE DOCUMENTS TO APPROVE!. I was giving a sum of {$190.00} of debt owe over the phone. When its reported {$900.00} on credit report via XXXX XXXX XXXX. Under 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. THERE ARE IN VIOLATION OF COSUMERER LAW AND PUBLIC LAW.
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
It shows on my credit report tht on XX/XX/2019 a amount of {$1200.00} and another amount of {$1700.00} is owed to XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX OF TX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
|
| 01/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The hospital did not file the claim within the timely filing period. I contacted the billing department and they cleared the debt because it was being reported wrong and is not my responsibility. This debt is not mine and should not be in my credit report. I disputed the debt through the credit bureau and the company did not do the research. So they are continuing to report an invalid debt. Had they done the reasearch they would know that the debt is paid in full and never was my responsibility. This account has been sold over and over again and is now with Ability. They need to follow suit and delete this account.
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information.
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines
|
| 05/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
During the last week of XXXX , I was notified by a credit monitoring company that Ability Recovery placed a collection on my credit report. I both wrote to them and filled out the complaint form with CFPB. The only response I received was that I did not provide them with enough information for them to research my complaint and debt validation/verification. I gave them my address, phone number and social security number - the same information they apparently used to gain access to my credit reports. Despite all of this, they are still attempting to collect the debt via placing a negative mark on my credit report.
|
| 03/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
1. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Phone # ( XXXX ) XXXX Unlawfully, falsely submitted my annual income up higher than it was, to get credit cards and loans approved. Without any written verification, documentation nor signature by me.
Due to this unfair.unjust act i had to file Chapter XXXX Bankruptcy Date:XX/XX/2016 Court Type : Federal District, Responsibility : Individual Debt and Discharged, Docket # XXXX.
2. Collection /Attorney : Ability Recovery Services # XXXX XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX Placed for Collection:XX/XX/2016 Original Amount : {$4300.00}
|
| 12/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Collection account. {$1100.00} past due as of XX/XX/.
Status Updated : XX/XX/XXXX demand that [ XXXX ] correct or remove these inaccuracies promptly.
Additionally, I would like to bring to your attention the relevant credit reporting laws governing this matter, including : 15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information to consumer reporting agencies when the information is known to be inaccurate.
15 USC 1681i ( 5 ) : Requires consumer reporting agencies to modify or delete inaccurate or incomplete information.
|
| 03/17/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I enrolled in a course from XXXX XXXX, 5 days later I called them to let them know that my sister has passed away overseas and I will be overseas for a while and because of the family emergency i will not be able to focus and internet as well as electricity in XXXX are difficult, therefore, i asked to be withdrawn, i was told yes that my request is sent. I went overseas, 3 months later when i get back i found out that i was sent to collection and my request was never sent. I contacted the school they said that they will process my request and removed the collection and i am still receiving phone calls and mail.
|
| 08/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written several certified letters To ( Ability Recovery ) requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. which they claim ( I owe them {$1600.00} ) Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
|
| 08/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have seen a collection on my credit from Ability Recovery Services for {$990.00}. It is the only collection on my credit and I 've never taken out anything for that amount. It was dated for XX/XX/XXXX . I disputed it and asked the company to provide me with proof that the debt belongs to me. They ignored my request and re-reported it on my credit stating the debt was from XX/XX/XXXX which was when I had initially disputed the debt. Instead of providing me with adequate proof, they instead reported it to the credit bureau incorrectly saying I had opened this debt on the date I attempted to dispute the debt.
|
| 08/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX XXXX at approximately XXXX XXXX I contacted a debt collection agency after receiving notification from XXXX that a collection was added to my report. I inquired about the debt and was told that its on my credit and I need to pay it now to have it removed. I asked why wasnt I notified about the debt and he said they mailed letters to my old address and its not his fault that I moved. How can a collector report a debt to the credit bureau without first confirming that I owe the debt. The name of the agency is Ability Recovery Service and I spoke with XXXX XXXX x210 who was extremely rude and contentious.
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/2011 I enrolled in XXXX University and to cover tuition took out approximately {$6800.00} in federal student loans ( loan information attached ). In XX/XX/2011 I withdrew from the University ( withdrawal confirmation attached ). I recently received notice that the tuition amount, despite being covered by Federal student loans which I am paying, was sent to collections and is attempted to be collected on by a collection agency ( see attached credit report ). Not only is this debt illigitimate, it is being incorrectly reported on my credit report for a much higher amount as well as an incorrect date.
|
| 05/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was contacted by Ability Recovery services in regards to a debt that is said to be owed by me From XXXX XXXX the original company who filed the claim. I have never received any services from XXXX XXXX and furthermore I have no business with Ability Recovery Services. I contacted Ability Recovery Services on XX/XX/XXXX in regards to a collection letter disputing the matter. Until date I have not received any correspondence back. On XX/XX/XXXX I sent a follow up letter to the disputes department informing them that I have not received any response and per the Fair credit act they were now out of compliance.
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Abilityjy recovery XXXX. XXXX XXXX premier credit card wish was payed off because there card was so high intrest I closed it payef and closed it I claimed about them XXXX I never used but one for XXXX dollars closed that then they tell years later someone used the card its been closed it still on my credit ability I don't even know what its for I don't have anything g with them then I have inquiry s on me credit and loan I have never done now my daughter is XXXX XXXX but o e the address is hers try to repair this and they also have me with XXXX I have been divorced for XXXX yrs we have nothing together
|
| 06/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
I was wrongfully XXXX and sent to ABILITY RECOVERY SERVICE, they held me in a holding room for 3 or more hour against my will. They didn't provide me with any documents to advise me of my civil rights. I refuse to provide them with any medical Insurance information or sign any documents. So they sent me to another facility called XXXX XXXX XXXX
XXXX XXXX XXXX provided me with documents the next day, so I filed a Witt Of XXXX XXXX, then they evaluated me and declared I had no medical condition in order to keep me there. So the XXXX 's apologized then released me and stated there will be no charges.
|
| 10/09/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability Recovery Services Collection agency removed a debt from credit report in XXXX for creditor XXXX College. Received an alert on my credit report that this agency added this debt back on my report on XX/XX/XXXX with no written notice. I contacted the company the same day to ask to speak to a manager to ask about the validation of a debt with no written notice. I was spoken to rudely and was told I can not speak to anyone else. This file is currently listed under investigation with the credit bureau. Ive still yet to receive written notice to validate this debt to be placed on my credit report
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 ABILITY RECOVERY SERVICE add a derogatory mark on my credit report pre XXXX XXXX Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contact or signature for this accused debt at all. All bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
|
| 09/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have called Ability Recovery services multiple times for a debt on my credit that is not my responsibility to pay as it was paid by insurance for a medical claim. I have requested supervisors, none return my call. The representatives I do speak with are extremely rude in tone, and verbage. I have been trying for 6 months to have this debt removed from my credit. I have disputed, because it was paid by insurance and they confirmed my reason for disputing but did not remove it. I have been hung up on when requesting a supervisor as well. I have not had any success with this debt being removed.
|
| 08/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Ability Recovery Services re-aged the date of delinquency to XX/XX/XXXX, when the actual date of delinquency was between XXXX. The amount of the re-aged debt shows an amount owed of {$5600.00}. Attempts were made to request documentation for said debt to show the date of delinquency in XXXX of XXXX and in XXXX of XXXX. With a dispute also being filed in XXXX of XXXX, which I am still waiting on notification of outcome. The agency has avoided and evaded all attempts to provide any documentation. The illegal actions committed by said agency have impacted my ability to obtain federal employment.
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Originally contacted by Ability and was told I was owed {>= $1,000,000} by the City of XXXX. I contacted Ability and let them know they made a mistake. Ability later notified me in writing they sent XXXX with incorrect information. Later Ability sent me a knew notice, an attempt to collect {$130.00}. I contacted Ability and disputed. However, Ability resolve.
Failed to answer my dispute with anything other than the same form letter.
Ability refuses to provide supporting information to the account they 're attempting to collect.
Ability fails to recognize they 're original correspondence.
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Service is still reporting that I owe {$360.00} to them. I have done all my research and the so called debt was with XXXX XXXX, which I paid in the amount of {$260.00} as my final payment for the semester. I have provided receipts, bank documents and a letter from XXXX XXXX saying it was paid in full. So, my complaint is now against XXXX XXXX, Ability Recovery, and XXXX because they are allowing this to continue. Other credit reporting agencies show this closed and are no longer reporting, which is correct and accurate. Why XXXX continues to allow it is UNFAIR and ILLEGAL.
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company ignored my request for debt validation, reported a wrong debt on my credit report, they fail to identify themselves when they contacted me through this site, they did not provide me with any updated information and They did not provide a detailed information at all that could help me identify the debt in question. This actions violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act.
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law.
|
| 10/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have paid {$100.00} per month after setting up a payment plan since I finally heard from Ability Recovery. In total I have paid {$300.00} to date. The original creditor was XXXX XXXX XXXX XXXX XXXX. I was in the process of moving and received no notification of not only my right to dispute, but even that there was a debt. I found out about it pulling my credit report to find why my score had dropped.
The reason for not knowing there was a debt was that I had confirmed with the hospital my debt had been cleared due to income. As far as I had been told, I had no outstanding debt.
|
| 04/18/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
Ability Recovery Services agent XXXX XXXX was rude when spoke to me regarding a debt. I was not aware of the debt and asked her to indicate that as my response. She told me she would write " I refused to pay ''. I then asked her to speak to a supervisor and she told me she would not transfer me to a supervisor to tell them the same thing I told her. I attempted to call the company back in hopes of getting someone else but I kept getting her. Each time she would hang up on me. I have filed a complaint with the XXXX hoping to have them cease communication with me but they continue.
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Company stated that it would provide a detailed information in its response about this debt but there was no information at all that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violates my consumer rights.
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law.
I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.
|
| 10/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I began receiving notices from Ability Recovery Services who is or represents XXXX. when I received the initial contact it was months ago via voicemail messages left stating that I owe them XXXX and I need to pay or else. Months have passed and now they pop up on my credit report. On XXXX XXXX I sent a formal request to send proof of my ownership of debt, their response was just another collection letter not responding to my request for proof. They are now reporting to all XXXX bureaus me owing {$22000.00}. It 's been over 31 days and they have not marked my account as disputed.
|
| 04/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have never attended an XXXX XXXX. I have disputed this debt with XXXX XXXX as well as Ability Recovery Services for the last 2 years. If you check my federal student database you will see I graduated college in XXXX from XXXX University. After that I went to XXXX XXXX, XXXX XXXX XXXX, and now XXXX XXXX. I have never enrolled in XXXX XXXX and yet I have 3 reports of debt owed in the amount of {$930.00}, {$920.00}, and {$820.00} supposedly having taken place all in XXXX of XXXX. This is incorrect and damaging information and is prohibiting me from being able to purchase a home.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I noticed a collection on my credit report. When looking into it, it was unpaid medical expenses that should have been covered when I obtained healthcare from the state. It was sold to a third party debt collector. I reached out to the company who is holding the collection and asked how to show proof I have medical coverage, I provided the information needed to have it taken off the report. Six months later, it is still there. I have disputed it numerous times and it still stays on my report, preventing me from buying a home, a car, and getting credit cards to build my credit.
|
| 06/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Se rvices is reporting accounts on my credit report that do not belong to me. After checking my credit reports I noticed several invalid accounts being reported. I immediate disputed the accounts. XXXX fraudulent accounts reported by Ability were removed however they continue to report on another account. I filed a complaint with the Better Business Bureau and they responded requesting i submit a document confirming my identity. I submitted the document but company has not responded. They are continuing to report this erroneous account on my credit report.
|
| 09/09/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Credit collection agency reporting medical bill due. I did not have XXXX XXXX XXXX XXXX this year. They show I had XXXX charge in XX/XX/2023. I did not go to XXXX XXXX and I have medical insurance anytime I go to XXXX. They are incorrectly showing collection and date of balance. They are violating FCRA rules of reporting medical collection before 365 days have past and I do not owe debt. In addition, they are violating my HIPAA rights. If it was for treatment on some other date, they have failed to provide information and bill, more importantly billed my health insurance.
|
| 06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
XXXX XXXX XXXX has two accounts on my credit report. One from XXXX XXXX XXXX and the other from Ability Recovery Services. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!
|
| 04/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been contacted multiple times by a collection agency that goes by Ability Recovery. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
|
| 03/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I noticed a collection account on my credit report several weeks ago. The original creditor was XXXX College, They sent a file to Ability Recovery Services. I contacted XXXX College and they stated the balance was zero and it was supposed to removed from my credit. It is still there. I call XXXX, and they say that I owe nothing. I call Ability Recovery and they claim I owe money. There is no communication between these two. I am getting frustrated. I am in the middle of buying a house and this could not have come at a worse time. I guess my next option is the court system,
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022 I sent XXXX a certified letter to send me the proof they have for account # XXXX which they failed to do by sending me an email saying it was verified and accurate. without showing or telling me how. Which I asked in my letter and which is my right to receive.
In accordance with the Fair Credit certerfied act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
|
| 10/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Today I received notifications that new collections accounts were added to Cbr reports ... I called Ability Recovery and was informed that they had been reviewing my BK filled in 2014 and stated I was still responsible for charges from dates of service XX/XX/2014!! My ch XXXX was discharged XX/XX/2014 .. I am not liable or responsible to pay this debt.. I do have 1date of service for XX/XX/2014 that they indicate Im responsible for ..
I would like the verification of debt for the file associated with date of service XX/XX/2014 And removed the other to accounts off my CBR
|
| 05/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : " most provided a signed contract between me and the creditor to validate this account '' an itemized statement does not validate any account, so dont provided, third party is hear say, my be a signed contract, NOTICE GIVEN PRIOR TO FILING SUIT IN XXXX XXXXXXXX, OK
|
| 11/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was checking my credit report last week on XX/XX/19 when I noticed a hard decline in my score. I noticed that a collections agency was on my credit report and I have no knowledge of the debt. I reached out to the Hospital that was listed under the credit agency and they advised me that they have no balances associated with me and they never sent anything to collections with my name. I have tried calling the collections agency and have yet been able to reach anyone there. This is a fraudulent debt and I need this to be removed from my credit report as soon as possible.
|
| 12/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a fraudulent account. Ive never signed up for anything with XXXX XXXX or XXXX XXXX. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with ABILITY RECOVERY SERVICES , LLC, several times to no avail. ABILITY RECOVERY SERVICES , LLC, refuses to provide me with the documentation Ive demanded them to provide me with, ABILITY RECOVERY SERVICES , LLC, refuses to remove this account out of my name and off my credit report.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 11/22/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX agreed that I would not owe anythingXXXX Fraudulently made me redo XXXX test that I completed.I told XXXX XXXX I would sue them if the test where not recovered. The customer service agreed to let me out of my contract without an debt if I did n't take them to court it was a computer error.They sent me to collections after we agreed to end the contact with out a debt.I contacted the collection agency and the lady said they are still going to put this debt on my credit even though it was not valid.This is breaking the law and so is the letter they sent to me.
|
| 03/31/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.
|
| 04/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor XXXX XXXX XXXX on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from Ability Recovery Services is still showing on my XXXX report in spite of all other collections from XXXX being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.
|
| 08/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I bought a car in XXXX XXXX with excellent credit. On XXXX XXXX I went purchase another vehicle and found out I owe a medical bill to Ability Recovery Service LLC. This was placed on my credit on XXXX of XXXX. I have sent a letter to Ability Recovery Service and faxed a letter to them on XXXX XXXX have called XXXX XXXX XXXX on this matter and they said the bill was paid due to a medical era. I am exercising my right under the FDCPA to dispute the alleged account and demand Validation. I am attaching you the letter I send Ability Recovery Service and their response.
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not been to the hospital in 6-8 years. I have always insurance during and before that time frame. I have no knowledge of this debt and was never notified I owed any debts. I've never received a letter or call in regards to any debt in this amount. This debt was placed on my credit before sending me any type of notification or itemized bill. This debt was reported to my credit on XX/XX/22 by XXXX XXXX XXXX. The Original Creditor is listed as XXXXXXXX XXXX XXXX in the amount of {$1200.00}. I disputed this debt with the XXXX but the debt remains on my credit.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
|
| 06/11/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc. to no avail.
|
| 03/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a follow up and not an initial dispute. CFPB - PLEASE ATTEND TO THIS ISSUE.
The company was given my identity theft affidavit, and shown I've done a local police report. FCRA 605b requires that they cease any and all collection activity as a result. They stated they're going to request an itemized bill, something ANYONE can type and send. This company is frivolous and needs to be shut down. They have 0 documentation that will stand in court, especially against IDENTITY THEFT.
They are in violation of my rights under the FCRA. FCRA 605B, 609, AND 623.
|
| 07/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently viewed my credit report and I see that I have a collection of {$630.00} of a hospital bill that I was n't aware of at all. I did have a car accident three years ago and went to the hospital but I was told the insurance company was gon na pay for it since I was the passenger of the person driving the vehicle. And now it 's appreared on credit report 2 months ago and it 's messing up my credit and I called the company twice and they were very very rude and did n't give me enough information and hung up the phone. I need this off my credit report please.
|
| 03/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract nor any contract with Ability Recovery Services , LLC. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Ability Recovery Services , LLC. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed is not removed from my credit report within 10 days.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have an alleged debt on my credit report reported by Ability Recovery Services LLC, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years.
I submitted the dispute on XX/XX/20. I received a response XX/XX/20.
XXXX also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.
|
| 04/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This was removed from my credit profile because account was paid by XXXX XXXX the proof was sent twice to the supervisor of the collection agency and also to the client for which his collection agency is collecting for. Even though agency when I called they advised me if was removed again from my credit file it has not request this collection agency be fined for improper collections acts. This agency just reported to collection agency without sending a letter or calling prior to placing in my credit profile. Something should be done to prevent from happening
|
| 06/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
No mine. I not knw who medical billing ppl are. Not been any medical hospital since XX/XX/XXXX. This {$510.00} duplicate debt report # XXXX was sold to different 3rd collection Co XX/XX/XXXX Bec it got deleted twice of same amt XX/XX/XXXX & XX/XX/XXXX was disputed 2 different collection co XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to different collection co when got disputed & erased from my credit report & now sold to 3rd different collection company Ability Recovery collection started new one in XXXX of same exact duplicate {$510.00} each that is not mine!
|
| 06/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Ability Recovery Service LLC has continued to harass me about debt that is not mine. The company sent me a written response on XX/XX/XXXX through this portal that they will cease all communications after I sent a complaint to CFPB concerning harassment as well as a mailed letter to the company requesting cease of all communications. On XX/XX/XXXX a representative from Ability Recovery Service LLC named XXXX called and harassed me again. I'm requesting again for this company to stop all communication ASAP. If not, I will be taking legal against this company.
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 a collection account was opened by Ability Recovery Services. This account is still opened to this day. I disputed this account multiple times for proof of debt and have not received any proof. This collection account affects all 3 of my credit bureaus reports. I would like to address this immediately and get this negative remark removed from my credit reports. However, if they can provide me with proof of debt ownership then I would like to arrange an agreement to pay off this debt. If no proof is provided then please remove this collection.
|
| 12/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ABILITY RECOVERY SERVI XXXX XX/XX/2018 balance # {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies ABLTY RECVRY Account Number : XXXX XXXX responded to my letter with a removal. XXXX and XXXX have sent responses stating the item was verified correctly 15 U.S.C 168 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 04/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt validation letter was sent to Ability recovery services in mid XX/XX/2018, I in return received a letter from them dated XX/XX/2018 stating that the debt but purchased by XXXX XXXX from original creditor said to be emp of XXXX. Letter received is also a violation of my HIPPAA rights notating hospital visit and procedures done but none proof from original credit. I have never received a letter from XXXX XXXX XXXX stating that they are collecting for said debt in the total of XXXX. Debt is till being reported on my XXXX and XXXX reports unlawfully.
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services is attempting to collect {$1800.00} from me for the school XXXX XXXX for a high schooXXXX diploma program opened in XXXX. I graduated high school in XXXX, college in XXXX. I never enrolled in any high school programs with XXXX XXXX nor would have any reason to being that I am not a high school student. I have filed a debt verification request with them and they returned the info to me. This included incorrect information and this debt does not belong to me. This is ridiculous and its effecting my ability to purchase a house.
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc..
|
| 05/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX keeps turning me into collections every year since 2012 for a bill i paid off in 2012. Every year I have to send the collectors and the original company my proof of payment. Every year they send me a letter of confirmation saying it was an error and they have corrected it ... but here we are again. I have more than enough evidence that I have paid that bill and I am tired of effortlessly trying to improve my credit score in hopes of a house and babies XXXX day, when XXXX keeps holding me back for nothing ... for a bill i have paid 4 years ago.
|
| 06/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX Account type XXXX XXXX Individual Date opened XX/XX/2023 Status Collection account. {$930.00} past due as of XX/XX/2023.
Before this point I contacted the hospital and told them they needed to bill my insurance since I had it and they refused to so. I am willing to pay my copay for this but I'm not willing to pay that total when I had XXXX at the time, they know it but I didn't have my XXXX card on me. They refused to bill XXXX therefore the account should be paid in full. Now it's reported to the credit bureaus which is hurting my credit.
|
| 08/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery is a collection agency on my XXXX credit report original company XXXX XXXX, world acceptance owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by XXXX XXXX at all, and statue of limitations have passed for a XXXX account, they re aged a XXXX account to appear XXXX, this is illegal. it's paid so I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to get a home. Thank you
|
| 07/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt with Ability Recovery Service was open in XXXX. I filed three credit disputes via XXXX on XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. At the second dispute, the creditor agreed to closed the account and dropped it off of my credit report for 2 months. In XX/XX/XXXX, when I checked my report, and it reappear for a more recent date of XX/XX/XXXX causing my score to drop. According to the Fair Credit Reporting Act, this act is illegal and I can file a suit, especially since it is affecting my ability to buy my children and I a house.
|
| 01/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have notified Ability Recovery Service and demand a cease and desist to stop communication with me. Ability Recovery Service failed to abide by federal law in violation of the FDCPA.15 usc 1692c ( c ).
I have also reach out to Ability Recovery Service requesting information I have yet to receive.
They fail to cease communication through all mediums pursuant to federal law. All mediums mean telephone, email, social media, letters, and consumer reports.
My consumer report is in fact a medium and I demand a deletion from my consumer report.
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have a debt collector reported in my experian account ( ABILITY RECOVERY SERVIce ). It says that that original creditor is XXXX XXXX XXXX XXXX XXXXXXXX with the amount of {$1100.00}. I have never heard of this LLC before nor ever borrowed money from XXXXhe said LLC. I had to idea a creditor was even there until I checked my experian account. Last year my personal information was exposed by a person who posed to be a job recruiter which I reported to ID.me since they use that website to verify my information. It couldve been a result of this.
|
| 04/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Company has been sent ( 2 ) debt verification request, the company has failed to comply with the request and it has gone past the 30 day mark as per the FCRA, the company continues unverified and false information to the credit reporting agencies and destroying my credit and reputation, I have made several request for the info to be removed until verified however this has not been the case and company was rude and refused to listen to request instead they continued to hang up on me when I requested to speak with a manager regarding the matter.
|
| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Abilit
y Recovery Services is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a VALID signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. I've told XXXX, XXXX and XXXX that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
|
| 08/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt of {$42.00} was placed on my credit report for something that they claim i've owed since XX/XX/2013. The collection agency is Ability Recovery Services LLC and the client name is XXXX XXXX XXXX XXXX. I have no idea what this is. I looked it up to see where the company was and I'd never been to either location. I never got a bill. I never got an explanation of charges. Only this negative mark on my credit. XXXX XXXX and XXXX have deleted this debt. XXXX did not. I need this removed ASAP as I am in the process of purchasing a home.
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Ability Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt collector has called me up to 12 times a day sometimes within 20 minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.
|
| 05/08/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is a third party company Ability recovery service that is trying to collect for XXXX University. I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX for a XXXX XXXX. I recieved full Financial Aid that was provided by the United States Department of Education. I had an ECC : of XXXX which is how much I could contribute to my education. I recieved 100 % subsidized and and unsubsized student loans. The money goes directly to the school and when I withdrew. They are claiming that I owe over XXXX. I am current paying on my student loans.
|
| 08/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They have ignored my requests for proof of debt I know I never incurred it. {$890.00} ive asked them countlessly to take it down they can not send me any information about how it was made the original that I did not make the debt I am 100 % sure of that and I have continuously tried to address this over the years and now theyre trying to say that the date has reset in now its back to being brand new and still in my account for seven more years Ive been dealing with this for six this is ridiculous I dont even know where this debt came from
|
| 04/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is attempting to collect a debt for a college I have never attended. I have made several attempts to have this company provide a signed copy of an agreement with my signature on it. The only thing they have provided is a ledger that has my name on it and a balance due. I have never attended this college or done any type of business with this college. This debt company has caused me significant monetary damage as it is affecting my credit. This is bullying by a debt collector attempting to collect a debt from the wrong person.
|
| 12/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This debt collector has called me up to XXXX times a day sometimes within XXXX minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted me.
|
| 02/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
|
| 12/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a very small amount owed due to an overlooked bill for an ER visit in 2018. The balance was turned over to Ability Recovery unfortunately and I immediately responded in 2018 and changed my payments to go to directly to them ( Ability ). I send them something monthly but they will not stop calling me. I make a payment. I am down to only around {$60.00} and I'm set up to pay them {$10.00} a mth. I do not understand why they do the automatic aka rebo calling to my phone almost daily. I need it to stop. I always pay my debts. Always.
|
| 02/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ability Recovery Services LLC at XXXX box XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as a past due balance. I am not aware of this company and I have never done business with this company. This company does not have a contract with my signature. When I requested validation of this debt, they provided me with an erroneous document that showed a balance owed of {$3100.00} which is completely different from the balance they are stating is past due ( {$3800.00} ).
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Ability recovery services is reporting a debt from XXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXXXXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed with this company a month ago and their information came back verified. But I stated then that I was a victim of identity thief and that should have never came by verified. I recently went to XXXX 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number for compensation for damages done to my credit and my whole life.
I request that this fraudulent information and accounts and addresses used for fraudulent activities be deleted for my report immediately!!
|
| 05/04/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection company by the name of Ability Recovery Services , LLC continues to contact me to collect a collection from XXXX XXXX ( the original creditor ). The balance of this acct is {$2500.00} as listed on all XXXX of my credit reports. I have never attended XXXX XXXX , nor have I ever agreed to paying the amount they 're harassing me for. I have sent multiple letters directly to Ability Recovery, and also submitted multiple disputes with the credit bureaus, and have yet to get verification that is debt is mine.
|
| 06/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Ability recovery services had contacted me. I asked them to refrain from calling my cell phone. They responded by saying then pay your bill! And hung up on me. I tried to call back and request a supervisor. The representative was very hostile and spoke over me. She was very aggressive and refused to get me to a supervisor. Then lied and told me she was XXXX. There was XXXX resolution. I do not wish to be harassed by a company. I am aware of this debt. Its the only one I have left but I will not be spoke to as if I am less than human.
|
| 02/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have repeatedly contacted Ability Recovery Services which is a collection agency to correct the matter in which I have a letter from the creditor XXXX XXXX that states the account is closed and no debt is owed after filing for bankruptcy chapter XXXX- discharged XX/XX/2019. Ability recovery services has stated they cant close the account when I fact they did then 7 days later opened the account in collections as a new account. They have said that it is closed but they are not reporting it to the credit agencies as a closed account.
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have two agencies trying to collect on the same account. Ablty Recvry XX/XX/XXXX XXXX XXXX XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to XXXX the creditor by email and they confirm they have removed/ flat cancelled two accounts.The collection agency is unresponsive and will not remove one of the accounts from my credit report. I have called and they hang up on me. I do have it in writing from XXXXXXXX XXXX the creditor I am hoping that someone else can intervene and help me resolve this issue and finally get it removed. I have been trying to remove this debt from my credit report for XXXX years with no success. I appreciate your help thank you.
|
| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX keeps reporting a deleted collection as accurate. The collection agency deleted the account and XXXX removed it but not XXXX. I have been trying to contact XXXX about this and they still keep reporting as of today. I have proof that the account is inaccurate and not mine. I have submitted a dispute numerous times and they wont delete it, even though the agency deleted it from all 3 bureaus. According to the FCRA, incorrect, inaccurate, unverified accounts must be deleted from credit reporting but XXXX isnt following the law.
|
| 07/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of Ability Service Recovery. I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against XXXX and the creditor because it 's an error and it 's a fraudulent account.
|
| 08/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt verification letter on XX/XX/2023 that was never responded to. I also sent another on XX/XX/2023.
Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt. They are in violation of my rights as a consumer and the debt must be removed.
It claims it was opened in XXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. I have tried to resolve this calmly and rationally.
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My identity was stolen, however a family member actually did it and had been doing it before she was caught and sent to jail, I live in XXXX being here for 9 years however Im getting this medical bills forward to my address from XXXX XXXX XXXX out of XXXX Louisiana and I dont own them they are FRAUD I tried explaining my situation to them even providing documentation. Now Im getting these harassment phone calls saying my debt been sold to a 3rd party and asking me if I had a procedure at that hospital. RED FLAG THATS HIPPA LAW
|
| 07/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX ( XXXX ) erroneously sent my account to collections without attempting to bill my insurance. The account was cleared after I contacted the company ( XXXX ) but did not close the collections account with one of the two collection agencies they used to collect the erroneous debt and will not close the account with Ability Recovery Services who is refusing to close the account until they are contacted by XXXX. XXXX refused to give me any documents related to my account showing the account was closed.
|
| 02/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.
|
| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.
|
| 02/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
Collection agency is trying to collect on debt for an online school which I canceled in a timely manner started 1 course and canceled properly have had no transaction with collection company and they are not representing the original creditor they have reported to credit reporting agencies negative remarks an an negative account have not agreed with any they are trying to ruin my credit rating also harassing phone calls on a not call listed phone number which i have not given permission to call or signed anything with them
|
| 07/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
NOTE Ability Recovery Services XXXX XXXX XXXX XXXX, PA XXXX sent demand letter dated XX/XX/XXXX : for XXXX debts marked " pending no fault '' XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX BOTH ARE BEYOND statute of limitations in NEW YORK of 3 years. The company has several outstanding complaints for this practice. I want and seek the harassment stopped and their records updated and a formal apology signed and dated. NO FAULT is claim against the insurer XXXX XXXX INSURANCE ... NOT the insured. Please investigate thank you.
|
| 04/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I received a credit alert about a company by the name of Ability Recovery services so I called the number listed to inquire about the debt and why was it still showing, the rude customer service lady yelled the whole conversation so I never got any information I ask for nor could I give her my case number. After I asked her why she was yelling she continue to huff and puff and then hung up on me. I called back and the next rude lady decided giving her name was not necessary when I asked and she proceeding to yell as well.
|
| 10/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am in the process of repairing and building my credit. I sought after a credit repair company who have sent letters on my behalf to all Debt Collectors who are reporting inaccurate, outdated, unverifiable, and obsolete information. I started this process on XX/XX/2020, and they have sent out a total of 2 letters within the last 60 days. In that time i have yet to hear from the Debt Collectors who have reported this unverifiable information, therefore the inaccuracies are still reflecting negatively on my credit report.
|
| 09/20/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a consumer and natural person, Ability Recovery Service has violated my rights. Ability Recovery Service has failed to provide me, the appropriate documents requested to validate the alleged debt of {$2900.00}.
Ability Recovery Service has invaded my rights to privacy by having my personal information.
Ability Recovery Service did not have my written consent or permission to contact me or have my information.
I, XXXX XXXX, the consumer and natural person has been violated of my rights, according to 15 usc 1692.
|
| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ability recovery services is attempting to collect {$880.00} from me. This is a result of identity left and I have no idea what it is for. I requested them to send proof with my written signature that this debt belongs to me. And they werent able to provide the information, but states the debt is valid. This account is reporting on XXXX and XXXX, but has already been removed from XXXX XXXX. This company is not registered with the state of Ohio secretary, therefore, they can not collect this invalidated debt from me
|
| 12/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability Recovery Services is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a.
Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.
Ability Recovery Services also in violation of 15 usc 1681a ( 3 ) ( a ) for sharing my medical information which is suppose to be restricted from my consumer report
|
| 07/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid off a medical bill last week to XXXX XXXX ( the only debt that I know of which I owe ). This week I started getting calls from another collection agency called Ability Recovery Services LLC. XXXX located in Pennsylvania. I tried calling them back this morning twice and the call will not go through. I called a friend right after to confirm that my cellular service was working, and I can confirm that it was, so I have to assume that Ability Recovery Services LLC is not taking inbound calls and / or is a scam.
|
| 02/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!
|
| 09/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received an invoice from Ability Recovery Service for a debt from XXXX XXXX on XX/XX/2021. I disputed this debt on XX/XX/2021 as I have already settled with XXXX XXXX as of XX/XX/2021. On XX/XX/XXXX, I received my first phone call from Ability despite not yet receiving written verification of the debt. On XX/XX/XXXX, I was notified that my this debt was added to my credit reports. On XX/XX/XXXX, I received another phone call from Ability. As of XX/XX/2021 I have yet to receive written verification of the debt.
|
| 06/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I wrote the company a letter requesting validation of debt, this was XX/XX/2020.
I requested the credit bureaus to validate debt and the pandemic happened and I received no answer.
I tried calling in XXXX I was told that they would remove the debt and I wasnt liable. It was removed from XXXX but it remains on XXXX and XXXX. And it shows on XXXX twice with different dates.
Several years back this company place this on my report and I had it removed. Just for them to change dates and put it back. Very unfair
|
| 03/29/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I attended XXXX University Online campus and I withdrew from their program but they signed me up for class that I did not know I was registered for. I received a bill for XXXX and I called them to resolve it and they said that I owed the money. Now the Account is with Ability Recovery Services and has since been included in my chapterXXXX bankruptcy. This account is listed under derogatory accounts from ARS collection agency and I want it removed immediately from my file with all three credit reporting agencies.
|
| 07/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Id reached out to the company in XX/XX/2019 when it was paid ( {$56.00} ) and theyd informed me that theyd combined it with other medical bills but they would remove them individually and was unsure why it was still reporting to my credit report. Theyd also informed me that the inquiry would be removed within the following months. Id let them know that I was facing financial difficulties due to my son being hospitalized but would attempt to make other arrangements as soon as I could. Please remove this inquiry.
|
| 09/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX/XXXX/XXXX I filed a complaint against this company. The complaint number assigned was XXXX. On XXXX/XXXX/XXXX The company responded to the complaint the following : Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested validation from our client and will send it to the address in this correspondence once received.
Today is XXXX XXXX, XXXX and I still have not received a response from this company regarding this debt.
|
| 08/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2017 , I sent a letter to the credit bureau requesting an investigation of an account in collections that I saw on my credit report that does not belong to me. The credit bureau replied that they verified the account. So I send a letter direclty to the collection agency asking them to please send me the signed medical documents for this debt that is not mine. As of today XX/XX/2017 I have not received a response from the collection agency, however the account is still listed on my credit report.
|
| 10/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
|
| 10/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I went to buy a car at dealer from a very good friend and in the middle of the process he ask if i was ok and i ask what do you mean? He said looking at my Credit report he can see i went to XXXXXXXX XXXX This is not acceptable! with do respect i should be protected under Hippa or At least notes explaining that Im ok and don't have any type of XXXX. I have disputed this with all three credit reporting agencies and called creditor and they laughed. This should be removed or at least re worded to unknown.
|
| 03/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted Ability Recovery in reference to a fraudulent XXXX University account that is now in collection with them. I have never attended XXXX and this account was fraudulent. Per my email conversation with XXXX XXXX XXXX, this account was to be deleted from my credit file. As of XX/XX/19, this fraudulent collection account is still reporting on my XXXX credit file. Per XXXX, this account is valid per Ability. This is not my account and this collection is causing a major detriment to my credit file.
|
| 02/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter dated XXXX/XXXX/XXXX for " XXXX XXXX '' in the amount of {$870.00}. This debt is not mine, I never enrolled into this college. I filed a claim with the CFPB XXXX in XXXX and received this response from Ability Recovery for this account : " I have requested that the XXXX XXXX account be removed from your credit report and I have accordingly closed the account here at Ability Recovery Services. If you need anything further please feel free to contact me at XXXX XXXX. Thank You XXXX ''
|
| 08/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company Ability Recovery Services , LLC picked up an old bill of mine with XXXX University one that I had already discussed with XXXX University as inaccurate. They then reported it on my credit report which was inaccurate and aged out due to fair credit reporting act. I sent an email to Ability Recovery Services notifying them of this matter and requested a validation letter of this account and I didn't hear back from them. I made them aware that this was affecting my credit and got no response.
|
| 09/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I dropped a class from XXXX university within the allotted time. They still charged me for the class. They then referred me to their collection agency which never wrote or contacted me. They just put it on my report. When i called them they had the incorrect information. But they stilled kept it on my report and are reporting as reported correctly. I disputed electronically with the bureau but they came back that said it is the correct debt. This is a false debt that is reporting on my credit report
|
| 01/05/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Got hit by a truck that swerved into my lane, insurance company took most of the money for themselves and gave us option of either getting {$800.00} and they don't pay hospital debt or we basically get nothing. We chose to get the {$800.00}. The debt has been resold 3 times now and has hit our credit each time.
If not for this collectiobs/ reselling stuff my credit would be over XXXX, right now it's dropped to XXXX.
I can't afford to pay this and it has been over 5 years now since the accident.
|
| 03/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collection company continually lies about this debt and they keep hitting my account as a new debt. Every single time I have disputed with the credit bureaus the debt is immediately removed from my credit report. In a year or so the debt collector will hit my credit again as a new debt and the cycle repeats. I have told the debt collector this isnt my debt and I have no knowledge of this debt. Thier info is boosted below ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
|
| 09/13/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a complaint with CFPB in regards to an old XXXX XXXX collection account that was discharged in bankruptcy. Ability Recovery Service responded on XX/XX/XXXX with " Consumer should be advised that this matter was closed due to bankruptcy and removed from all credit reporting bureaus in XXXX. We will conduct another deletion with XXXX. Do not dispute as it delays the deletion ''.
On XX/XX/XXXX, this collection account is still showing on XXXX and you have failed to remove.
|
| 02/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Services is trying to collect on a debt that was paid to the original creditor XXXX XXXX. I have provided my bank account statement showing it was paid and they continue to report this as late in the amount of {$360.00}. I am now XXXX from an injury and no longer work and this is keeping me from getting the help I need. I am tired of fighting them over a debt that was paid in full 2 years ago. It never should have been on my report, but at the least it should show closed, resolved.
|
| 01/28/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the debt collection agency and explained the account was not opened by me and explained how I was positive of the fact. Also informed her that at the time the account was opened I was fully insured and that would have paid any medical bill. Proceded to get any and all information they had that I opened the account and was told I needed to pay {$1.00} so they could access all three credit agencies to see if there was any information that was inaccurate or was different than what they had.
|
| 05/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
PLEASE BE ADVISED, IVE BEEN A VICTIM OF IDENTITY THEFT. ABILITY RECOVERY SERVICE HAS CALLED MY PHONE MULTIPLE OVER THE LAST MONTH.. DURNING THOSE PHONE CALLS IDISPUTED THE DEBT THEY SAYI OWE. I TOLD THEM I LIVE IN XXXX AND THAT BILL WASN'T MINE. I ASKED THEM TO SEND THE INFORMATION TO THE ADDRESS ON FILE BEING THAT THIS ISN'T MY BILL. NOTHING WAS EVER SENT TO ME. FCRA REQURES 5A 5 DAY NOTICE WHICH I DIDNT RECEIVE. I JUST SEEN THE FRAUDLENT ACCOUT ON MY CREDIT REPORT AND IT NEEDS TO BE REMOVED.
|
| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have previously requested validation and verification of an item listed on my credit report. The collection company ( as well as the credit bureaus ) have failed to produce any documentation that was requested. Copies of their response are attached. A copy of a " balance sheet '' does not accurately constitute verification. There is no accounting of the original agreement, no accounting of any payments or the dates payments were made, the interest which had accrued or any late fees assessed.
|
| 12/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company report me 4 times for a bills i never owned and the company don't have any of my correct information such as address, social security number ... that actually brings my credit score very down ... As a XXXX XXXX XXXX that reports mess up all my business.
-ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1300.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$520.00} -ABILITY RECOVERY SERVICES ( XXXX XX/XX/2023 ) {$1400.00}
|
| 10/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX {$2400.00} Open balance Original creditor Opened XX/XX/2023 ( XXXX mos ) Original creditor name XXXX XXXX RESPONSE This is coming up in my credit report as collection. I have not had anything with either of these two creditors and I called the XXXX to see if they had my information and they were not able to even find my name or birth date. This was opened but it was not me who owes them and no bill was even sent to me I only noticed because I check my credit reports regularly.
|
| 03/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company continues to file a new collection on my account every year with a new account number. I have tried disputing this over and over and they supposedly provide documentation but all it has is a digital signature. The address in which they provided I was not even living in at the time. The last XXXX of the credit card they are claiming I have never even had. This company is purely a scam that is ruining my credit with not hard proof my social security number is no where on the info.
|
| 01/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company Ability Recovery Service keeps putting this collection from XXXX XXXX on my credit report. I have never attended this school and they still havent shown any proof of me attending. XXXX deleted this collection but XXXX and XXXX claim that the debt is valid. How are they validating this debt? They arent doing there jobs and allow false collections on credit reports. Ability Recovery Service is violating the FCRA by false reporting and not sending any notices about this collection.
|
| 02/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello I have this company Ability Recovery Service that keeps flagging my credit report for collection. On my XXXX & XXXX reports, I disputed the claim asking for a Debt Validation Request also mailed a Debt Validation Request to the company which is currently waiting to be picked up by the company since their mailing address is a P.O. Box. Heres the tracking number to the certified letter XXXX via USPS. I can also provide a copy of the Debt Validation Request letter sent to the company.
|
| 04/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Complaint Number submitted, XXXX XXXX, XXXX Contacted by Ability Recovery LLC , called from XXXX ( XXXX ) on XX/XX/2023. I spoke with XXXX XXXX XXXX, XXXX, office personnel atXXXX ( XXXX ) about this issue. XXXX stated this issue has been resolved. XXXX XXXX you are on financial assistance and we pick-up any charges after your insurance has paid their responsible costs. XXXX stated this issue has been resolved, and you have no outstanding balances.
Submitted, submitted XX/XX/2023 2023
|
| 03/30/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
So I noticed a collection account on my credit report. So I called the collection company ( XX/XX/XXXX ) they told me the amount due if I didn't plan to continue the college course would be XXXX. ( Talked with XXXX Ext XXXX ) Over a week has past and the payment was reported to the credit bureau but still had the original balance as if I would wanted to finish the college course. I called again today ( XX/XX/XXXX ) and they said they never told me that amount, and that I still owed more.
|
| 01/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent Ability Recovery services a debt validation letters regarding 3 accounts they are reporting on my credit, They could not verify the debts. They only sent a copy of a bill, So I sent a second letter, Which states a copy of a bil is not sufficient to validate & report a debt, I did this for all 3 accounts the copy of the bills has no Signature or anything to prove & validate this debt, but they continue to report the 3 items on my credit reports, 1st letter i sent out was on XXXX-17
|
| 07/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It involves a debt collection of {$1500.00} on XXXX and XXXX by Ability Recovery Services XXXX. I sent a debt validation letter two times on XX/XX/2022 and XX/XX/2022 but both companies refused to validate the debt. This invalidated debt which is the only negative thing in my credit report is doing great harm to my public image. Please delete this information from my credit file and cease all collection activities.
Here are my certified mail tracking numbers : XXXX XXXX XXXX XXXX XXXX
|
| 08/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I requested debt validation for debt. I requested information on how debt was calculated and they responded with 2 statements. The statements did not explain what services were rendered to justify total. Furthermore the statement total more than what is being reported to credit bureaus. The statement in which they are attempting to collect totals {$2800.00}. Reported to my credit is {$1100.00}. Lastly there was no evidence of contractual agreement between myself and the debt collector.
|
| 01/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services continuously keeps reporting derogatory collection accounts as new accounts to the credit bureaus. I have had these accounts disputed and deleted, but ARS continues to attach this debt to my credit report as if it is a new account. I have no idea what these accounts are. I have requested original documentation showing the dates and the representative is very rude and hangs up on me. These accounts do not belong to me and I want them deleted once and for all.
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX at XXXX XXXX services made very threatening remarks about my Credit. I was never sent any information the debt was in collections. She promised my credit would continue to drop it I didnt pay and told me I better make a payment today or else she would ruin my credit. I asked did she purchase the debt from XXXX XXXX? She was not truthful and told me I can call them but to pay her.
Very disappointing and sent my XXXX XXXX up promptly warranting a XXXX XXXX from her antics.
|
| 10/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I did not receive anything about debt or credit owed before account went into collections and really hurt my credit score. I have been working on my credit for over a year and dealing with Credit pros to increase score. The collections action was random and hindering me from purchasing a home and a lot more. The collections action was not fair at all especially for a small amount I knew nothing about, let alone proven to be me that has made any purchases or owned any credit cards
|
| 03/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This unknown company is claiming that I owe {$930.00}. I have NOT received any written statements regarding a medical debt as such from this company. Ability Recovery service has also added this to my credit file. I am concerned about where my information came from and there will be an investigation regarding any HIPPA privacy laws that were violated. This company needs to delete this from my credit file because they have NEVER contacted me with the validity of an alleged debt.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : Ability Recovery Service XX/XX/2022 in the amount of {$1400.00} Ability Recovery Service XX/XX/2022 in the amount of {$760.00}.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
|
| 11/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA.
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Account Name : ABILITY RECOVERY SER Account Number : XXXX Date : XX/XX/2016 Amount : {$1700.00}
|
| 12/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX refuses to remove the account. The person I 've been in contact with is XXXX XXXX.
|
| 03/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello I have XXXX issues with this collect agency, the collection company never notified me that I owe this debt nor did they give me 30days opportunity to pay being i didnt know of this account and by law please respond with proof of a certificated document that I owe this debt or that I had the opportunity to dispute it, please delete this debt fro my credit immediately until I receive documents stating I owe this debt and profit that it is mines as well as time review
|
| 01/26/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account listed below is fraudulent and was created without my consent I would like it removed from my credit report at once. I am a victim of identity theft and have several police reports to verify this. I have tried contacting this company many times in this matter. This account does n't belong to me please remove it at once because it 's not mine and was fraudulently opened.
XX/XX/2018 Collection Agency ABILITY RECOVERY SERVICES , LLC Balance {$1400.00} XXXX XXXX
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ABLTY RECVRY- states that I have a past debt of {$890.00} this has been reported on my credit report with negative status and now sent to collections. At the time when I was seen as a patient I was recently released from prison and living in a half way housing before returning to the general population. I shouldn't have been charged any medical fees because all medical treatments are covered under the federal correction system and I also had medicaid coverage as well.
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX in the amount of {$920.00} As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
|
| 02/01/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The information that was provided was not sufficient proof I owned that debt. The information did not include a signature, social security number, or details about fees and interest from original debt owed to current balance. Also the information given to was showed the current creditor different than the creditor trying to collect this debt. Also needs to be noted my email address along with other sensitive information was effected by data breach on XXXX in XXXX.
|
| 05/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Abitlity recovery services was asked to send me four pieces of proof that its my debt. I gave them 30 days from all three bureaus to submit the proof to validate to me. As its a XXXX VIOLATION because I didnt sign any papers to allow a third party to get any of my medical information. So XXXX not sure where or how they got my medical information as I also was just told XX/XX/XXXX. I was part of a breach with XXXX an XXXX llc. With literally all of my information.
|
| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This also included my current healthcare provider which is highly sensitive. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.
|
| 07/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICE Balance {$560.00} ABILITY RECOVERY SERVICE {$630.00} Multiple attempts have been giving to Ability recovery in regard to verifying a debt. No formal nor approved given to show that I legally open this account at schools. I reached out multiple times to dispute the matter with the credit bureaus and also with the collection agency no response has been given to me within timely matter and objects has been verified with no given proof.
|
| 10/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Made a formal statement with Ability Recovery Services LLC on XX/XX/2018. Explaining to them that I was XXXX at the XXXX XXXX XXXX in and around the time these services were provided. I asked for proof of a itemize bill. The debt collector refused to send it to me. After calling numerous times they finally agreed to send me a bill. Instead of sending the itemized bill they sent one of their cover letters with an attached payment slip at the bottom of paper.
|
| 08/17/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I set up a monthly payment of XXXX dollars due the XXXX of each month ability recovery solutions has been taking a payment twice a month after XXXX calls to the company asking them to change the date to the XXXX only they have never verified that they are speaking with the correct individual that owes the debt and are extremely hard to get in touch with i was enrolled for 60 a month after 1 month they said i owed XXXX as i had completed 60 % of the course
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing a complaint against Ability Recovery Services XXXX. They are reporting negative information on my credit report. There is a collection account listed in the amount of {$140.00}. I have done further research and noticed that they are violating XXXX XXXX State Licensing Requirements. I have attached proof from the XXXX Department of Insurance ( License Services ) website. I am requesting for this account to be removed from my credit report
|
| 12/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 11/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 02/11/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from Ability Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ability Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 09/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.
|
| 06/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just saw a debt with Ability recovery on my credit from XXXX XXXX I contact them about this debt I advised them that my personal information was stolen and that I had no need for there services because I have my high school diploma. They told me to send over copy of my diploma in which I sent my transcript showing I passed they told me it will be look and update in 24hrs as of XX/XX/2020 now I called back they are telling me they cant help me.
|
| 09/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating and also I have insurance that covers 110 % of my medical bills and visits so there is no way that I will have any medical debts and they are just double charging the insurance company and asking for more money which is a clear violation
|
| 10/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I settled my account with XXXX XXXX and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed.
Ability recovery account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.
|
| 12/26/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I stated several times I never received statements from this company regarding balances and ending balances that were owed. They remove and add to my credit report as if it is new debt but it is not. This debt is almost over XXXX XXXX XXXX. They never provided me with what was needed after calling them in the past. They then again placed the collections again and again on my report and continue to go back and forth as if it is new and its not.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, ms XXXX In relation to medical debt, this is NOT a validation of this debt. I am requesting my signature for the services provided, I dont recall. This is a direct Hippa violation with diagnosis codes without written or signed consent. Please send my signature where I received services or remove from my credit file.
Hippa violation showing diagnosis codes without signed or written consent. Please investigate
|
| 06/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Ability Recover was hired to collect a debt that is not mine by XXXX XXXX XXXX. Neither Ability Recover nor XXXX XXXX XXXX can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.
|
| 07/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I spoke with XXXX college on XX/XX/2019, not only it was cancel but they removed the {$1000.00} and change it to {$260.00}. I was told from two reps that they were going to forward the updated amount of {$260.00} to XXXX XXXX, however Ability recovery is refusing to honor the amount from XXXX college. Also I disputed the information with XXXX, XXXX can back saying that the amount was updated. but it still showing the amount of {$1000.00}
|
| 08/20/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
In XX/XX/2023, I disputed a debt of $ {$1400.00} with the three credit bureaus asking Ability Recovery Service to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to me.
|
| 07/10/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a identity theft victim, I have been since 2012. I have several inaccuracies on my credit report that I dont recognize where they came from. I have a fraud alert on my credit file and I have reached out to all 3 credit bureaus about this and I have been having a hard time get theses items removed from my credit report. Accounts from ABILITY RECOVERY SERVICES LLC has a amount of {$1400.00}. And a another in the amount of {$1500.00}.
|
| 11/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account ABILITY RECOVERY SER XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 : States I have the right to privacy.
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
|
| 04/27/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
got extremely rude and talked down upon me as if I was beneath him. When I started to defend myself he hung up the phone. so discriminated agent. as I respect and talk to her nicely she doesn't have to be rude. I had emergency matter took my attention then the school send the debt to ability recovery to collect that money. iam so disapointed and depressed i have to go to my doctor to priscribe some medication because i been hurt.
|
| 10/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX charges ( {$1200.00} ) for equipment and final bill. Equipment was returned on XX/XX/XXXX and received by XXXX. Final bill was paid in full on XX/XX/XXXX for {$520.00} rep was XXXX XXXX Confirmation number XXXX. Ability recovery was handling this acct and are aware that its settled. Was settled directly with XXXXXXXX XXXX XXXX XXXX. Disputed with XXXX XXXX who says this debt is accurate and will stay on my credit.
|
| 09/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XX/XX/2018 I talked to XXXX XXXX about my account with Ability Recovery Services were reported that I am derogatory on my account. She told me the credit reporting agency have to fix it because they already send a report when I pay my account but I have been paying on time. I tried to dispute it with XXXX and XXXX but I could not online. I have called back XXXX XXXX twice and left 2 messages but she has not returned my calls.
|
| 10/04/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received 2 collections charges on my credit report from collection agency called Ability Recovery Services for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to XXXX online and over the phone to XXXX XXXX XXXX and to Ability Recovery Services.
|
| 02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was called by a debt collection company, they didnt say the company name not could I be told what the original debt that I supposedly owed. The company wanted me to give them my information so they could verify why they were calling me because the representative didnt know. I never received written notice about the debt I supposedly owe and a original debt holder is not listed on the account that was put on my credit report.
|
| 06/14/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX of 2023 I noticed something wrong with my credit report information was being reported to my debt collections from Ability Recovery Services LLC in regards to a debt that was in my name by XXXX XXXX thought it was weird because I never attended the school so I began to complain my case was referred to FTC I will be attaching both the their report and the Police Report that was recently made in regards to this matter.
|
| 07/12/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.
|
| 07/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
This collection Agency has sent me a letter stating that I owe {$690.00} for a organization / company I have been paying, but they also claim I owe them for the same amount. XXXX XXXX XXXX XXXX claims I need to pay the full amount if not then I will sued in court, but they actually did not provide anymore verification about the amount of debt or further information about the company they were hired by to collect the debt.
|
| 09/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I sent many letters on XX/XX/2023 and XX/XX/2023 demanding proof of this debt. Ability Recovery Services obtained this debt from XXXX XXXX XXXX, XXXX.
They did not respond to my request until XX/XX/XXXX when I filed my first complaint.
XXXX has now suspended the debt and DEMANDED XXXX remove it from my credit report. The debt is still on my credit and MUST BE REMOVED per the debt owners demands and illegal activity.
|
| 01/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA.
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Date : XX/XX/2017 Amount : {$5600.00}
|
| 05/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I pulled my credit report and noticed an unknown medical account on my credit report. I disputed this account with the credit bureau and was told that this has been verified. I then was told by the credit bureau to contact ability recovery services and they then send me a itemized bill which is not validation. I request for a copy of a contract bearing my signature and something showing that I have a contract with them.
|
| 05/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company stated that it would provide a detailed bill in it's response but there was no detailed bill or any other information that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violate my consumer rights. I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.
|
| 08/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
i have tried numerous times to tell them that i was a victim of identity theft and they still arent removing the collection my spouse passed away and my finances are not doing great im needing to move homes but due to that collection they are denying my application if you can please help me out thank you, my contact number is XXXX and email is XXXX the collection account im talking about is XXXX XXXX no knowledge of it
|
| 06/21/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company Ability recovery service continues to report false information on my credit report about me! I have no knowledge of the account or the amount they say I have to pay! Youre violating ( FCRA ) by reporting false information about me on my credit report and continue to do so on a weekly bases. I have no account thats open with them nor do I know where the account came from! I will file a civil lawsuit next!
|
| 07/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
In XX/XX/XXXX my husband and I were stationed in California which I attended XXXX XXXX I started my classes then switched majors and they stated my online courses would change at the end of the week but instead they never changed my courses and Everytime I called they told me to wait. In XX/XX/XXXX they appeared on my credit report but never once contacted me and I have noticed that every so often it's being renewed.
|
| 08/24/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company placed a debt on my credit this month they stated I opened an account with the XXXX XXXX which is false. They stated I opened the account in XX/XX/2023 which is flat out not true. This is fraud and the company just made up fabricated information. I have included this information in the police report I made last week. They are reporting someone else debt to my credit report which is in violation of FCRA.
|
| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Ability recovery services is reporting to the credit agencies stating I owe them money for several accounts. There is absolutely no signed legal documentation for a contract between myself and Ability. I wrote them a letter back in XXXX referencing 15 USC 1692A-E and gave them 30 days to remove from my credit reports. It was delivered and signed for via certified mail. No contact from them has been made as of today.
|
| 03/05/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE DISPUTED THIS ACCOUNT AND YOU HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES YOU TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT YOUR CLAIM, ORIGANAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.
|
| 05/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been trying to dispute whatever this debt is because everything I have paid medically is through medical insurance and nothing else is supposed to be billed to me personally. I have already disputed this but I am still seeing it in my account as a debt of over a XXXX dollars. This is not right. This should not be on my record. This needs to be taken off as soon as humanly possible. I do not need to pay this.
|
| 06/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!
|
| 02/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ABILITY RECOVERY SERVI is attempting to collect a debt that is not mine/a result of identity theft. Furthermore, ABILITY RECOVERY SERVI did not inform me of any such collection prior to reporting it on my credit report, which they are required to do so. By law, I should be able to request verification of the debt which I was not even given the opportunity to inform them that I have been a victim of identity theft.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and ABLTY RECVRY ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 08/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
|
| 03/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I havent Been to XXXX XXXX emergency in XXXX Verified by calling Billing Department on XX/XX/XXXX at XXXX My Account Balance with them is {$0.00} I have disputed Ability Recovery Service Company Several times. : XXXX XXXX. XX/XX/XXXX. {$760.00} amount is Not Mine. It is Preventing me from getting a mortgage loan. Please Remove or post to my account for Detailed Reason for Collection Amount inaccuracy XX/XX/XXXX
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH ABILITY RECOVERY SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
|
| 06/08/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX is the company name. Ability recovery services is the collections agency. I have recieved repeated harrassing phone calls from which i have no knowledge of such account in which both refuse to furnish proof that it was my doing. They have said it is an online school that was done online. Therefore they can not furnish proof. I have placed disputes with The credit agency 's XXXX, XXXX and XXXX.
|
| 06/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have reached to this company via certified letter after I discovered they placed an account on my credit. Apparently the account is for a debt that I do not own. I have health insurance and so does my wife. The allege debt is for {$1500.00} which is absurd- they have the incorrect person and I was never informed about the debt before they placed it on my credit. They have also contacted my employer.
|
| 05/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Ability Recovery Services is at tempting to collect a debt for XXXX XXXX . I have never attended XXXX XXXX . I have disputed this debt several times with all XXXX major credit bureaus and have yet to have anything sent to me verifying this debt. The tot al Amount Ability Recovery is attempting to collect is {$1000.00}. The original date of delinquency being reported is XXXX / XXXX / 2014 .
|
| 03/01/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ARS LLC offered a settlement and agreed to remove the account from my credit report which I accepted and paid. The best was removed. ARS LLC waited two years to add the debt back to my credit report as the balance that was deducted from the original amount by them as art of the settlement. Original debt was from XXXX XXXX XXXX Settled and removed for XXXX.
ARS new debt reporting from XXXX XXXX XXXX
|
| 01/19/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit.
Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me.
Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX have yet to remove this ficticous or fraudulent debt
|
| 07/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a bill in the mail from an collection agency, I was offered to pay less than originally owed. I paid the amount in full as agreed on XX/XX/XXXX. I contacted all three credit agencies and sent proof but still is on my credit now showing late for XX/XX/XXXX and XX/XX/XXXX. I also paid a second bill in full of XXXX on XX/XX/XXXX. To the XXXX XXXX XXXX XXXX XXXX. Also still on credit report.
|
| 09/17/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school.
|
| 07/01/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.
|
| 08/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). ABILITY RECOVERY SERVICE violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
ABILITY RECOVERY SER Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$820.00} ;
|
| 09/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I relocated in XX/XX/2018 and properly completed my change of address notification with the post office. Instead of XXXX XXXX XXXX XXXX XXXX forwarding me a proper bill, they wrote the debt off and sold it to a collection agency. This debt was PAID IN FULL TO XXXX XXXX XXXX XXXX AFTER I FINALLY GOT NOTIFICATION OF AN ACTUAL DEBT BUT THIS COLLECTION PLACE STILL PLACED THIS ON MY CREDIT REPORT!!
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am the consumer, in fact, XXXX XXXX. Ability Recovery Services did not have MY written expressed consent to communicate with any third parties for any alleged debt. XXXX did not do its due diligence in its initial investigation before allowing Ability Recovery Services to furnish any information on or about me. Ability Recovery Services has not given me any validation of this alleged debt.
|
| 08/27/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2022 I monitored my credit and see a derogatory collection account appear from nowhere...
XXXX account listed as Ability Recovery Services Llc ....
XX/XX/2022, I called XXXX XXXX XXXX and they stated that this debt was purchased from XXXX XXXX XXXX ( who originally purchased from XXXX XXXX XXXX ) I have never had an account with XXXX XXXX as you can plainly see on my credit history.
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed the reported information and notified several times of the inaccuracies, inconsistencies across reporting agencies and fraudulent duplication. See attached from my XX/XX/XXXX credit report. I was not notified of debt prior to reporting by Ability Recovery to credit reporting agency which is a violation of my right to validate and verify prior to continued collection efforts.
|
| 01/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX removed this credit file and keeps reinserting it. They have NOT sent me 5 day as required by Federal Law and in violation of fdcpa 805. communication in connection with debt collection. I do not owe them anything as I have never done any business with this company period nor have received any documents to confirm I owe XXXX XXXX. They are continually violating my consumer rights.
|
| 10/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm being billed and reported for a charge from XXXX XXXX XXXX XXXX for a {$660.00} dollar bill for a person who was not my child. I've provided 3 written disputes directly to the collection agency and they have failed to adhere to FDCPA practices by acknowledging and responding to my direct dispute. I've called on 1 occasion, and was talked to with actual curse words and then hung up on.
|
| 03/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I haven't been to a doctor in almost 7 years, so it is impossible that I owe a medical debt from 4 years ago as they are alleging. They claimed to have provided proof of the debt to the credit bureau, but that's impossible because they would need a HIPAA release form that I have never signed nor provided. This is medical fraud, and they are either lying, or providing falsified documents.
|
| 08/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am a XXXX XXXX XXXX and XXXX XXXX Veteran. I had an XXXX XXXX visit that resulted in admission and XXXX XXXX. I advised the VA of my admission immediately. I was admitted in XXXX of XXXX and now I am receiving collection from Ability Recovery Services for over {$1800.00}. I've notified VA Community Care National Office with this information. The collection is now on my credit report.
|
| 01/26/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reported this company in XXXX XXXX XXXX XXXX by a different name. They changed the name of their company to Ability Recovery Service, but it's the same {$1300.00} medical bill they fraudulently charged me for then. I have never been to a hospital in Mississippi EVER. Please stop allowing them to send fraudulent charges to collections and affecting my credit score. This is ridiculous.
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a validation letter back in XX/XX/XXXX to Ability Recovery Services LLC, and the debt was not validated. I disputed with the credit bureau and the account was deleted from my credit reports. Now when I pull my credit report again, Ability Recovery Services LLC is back on my credit report again. I sent another debt validation letter on XX/XX/XXXX and haven't heard anything again.
|
| 10/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.
XXXX XXXX XXXX : Fraud!
This account was open and used in florida at the time I was living and working in XXXX, Georgia Ability Recovery Service : Not mine!
This is not mine and it shows up twice on my credit report
|
| 04/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
The company calls me repeatedly at XXXX. I have tried to call to even find out why they are calling and they wont tell me. They argue saying I live in Indiana when I live in California and have never lived in Indiana. Wont tell me what they claim they are calling for. They hang up on me when I ask for a supervisor or tell me one will call back and they never do.
They just harass me!
|
| 07/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Original creditor was an ambulance company that did not bill my insurance even after multiple phone calls to them asking them to bill my insurance that was on file. Almost 4 years later, I get notified that I was in collections for that ambulance bill that was never billed to insurance. This time it was a new debt collection agency that purchased the debt from the original creditor.
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX is asking for a payment of {$1700.00} for a class that I canceled on in XXXX of 2019 after noticing that I couldnt do online school my balance was {$49.00} when I asked to cancel but now its on my credit report saying that I owe them that money. I never finished that class and asked them to cancel me. So that I wouldnt be paying every money for something that I couldnt do.
|
| 12/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 01/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal.
|
| 08/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This is my 4th complaint to CFPB concerning this company. There harassment is getting worse. I do not want anymore contact from this company again. No more calls, mail, emails. I want NO contact at all. Stop calling/contacting my friends, my employers, my family, landlord. Stop all forms of contact ASAP. If you keep calling after I've asked you to stop, that is harassment!
|
| 09/03/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add up.
|
| 02/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
this account has no contract it was cancelled by original creditor. 6years later this collection agency bought this debt and is trying to collect. there was no agreement nor contract with is agency and since i didnt agree with this collection agency on any terms i no longer liable for this debt. also they are unable to provide adequete paper work to show this debt is mine
|
| 07/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Ability Recovery Services reported to XXXX XXXX ( " CK '' ) on XX/XX/2021, I realized the info from an email alert from XXXX. Ability also reports that I opened an account on XX/XX/2021. This info is false. I never opened an account with this company. There is no contact info on XXXX XXXX website to request validation. This inquiry was not on my credit report last month.
|
| 02/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX of XXXX XX/XX/XXXX of ILLINOIS XXXX XXXX submitted a collection for {$200.00} with Ability Recovery Services. I just recently moved back to XXXX at the end of XXXX, prior to that all my healthcare was on the XXXX base, and since being in XXXX all my care is through the VA. I have great reason to believe that this is not my debt, and I am unable to validate this.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have filed a FTC report and the company Ability Recovery Services responded asking for a police report. Why is that necessary when I have proved that the Date of Birth on the enrollment form does not match my Date of Birth and the signature was forged! How is this even legal to continue attempting to collect a debt that is not mine and has been proven not to be mine..
|
| 02/24/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a notice of the collections account from the credit reporting agencies. I have made multiple attempts to rectify the situation and have learned that the hospital involved never attempted to seek payment through all my available insurances at the time resulting in this debt. I stated since the proper billing channels were not used this should not be my debt.
|
| 12/07/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
i have contact this agency via a dispute i dit, this loan i never get any paper word or deb note for collection, so i can appeal or pay or find out why i old this much, Also this deb should be on loan for forbearance since the national emergency covi 19 pandemic, but they still report this to my credit as a collection account.
all this steps they take are illegal.
|
| 04/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX claimed that I owe {$120.00} to Ability Recovery Services XXXX claimed that I owed {$880.00} to XXXX XXXX XXXX.
I contacted both trying to get information on these debts. Knowing I had government insurance around these times. Representative was very rude stating that they would continue to make my credit bad and actually hung up on me while asking questions.
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
The financial firm ability XXXX XXXX is a debt collector who have been handling my debt from XXXX XXXX XXXX, for XXXX $ and the person I am speaking to resolve my payment, has been aggressive, disrespectful and refuse to offer me account settlement documentation. The school has Been not helpful and there should be an action taken on the financial service provider
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
ABILITY RECOVERY SERVICE shows last reported reported date of XX/XX/XXXX with a balance owed of {$760.00}, shows as open balance. XXXX XXXX BANK XXXX Original creditor shows the last activity on this account as XX/XX/XXXX. This is not a valid debt. I never had an account with XXXX XXXX XXXX and this account has never showed on my credit report before this month.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I was XXXX at the XXXX XXXX XXXX XXXXXXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called XXXX XXXXXXXX. On my credit report is the company .XXXX XXXX XXXX XXXX Complaint was opened XX/XX/2022 and I was XXXX XXXX of XXXX until XX/XX/2022 XXXX
|
| 11/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 i filed a complaint against this company that is trying to collect a debt that i do not owe them i am asking them to show me proof of my signature on any contract with them either in person or electronically. I do not know this company nor have i signed a contract weather in person electronically by voice or any methods of agreement with them.
|
| 02/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have an collection agency called Ability Recovery Service, that is trying to collect debt in the amount of {$1300.00} from me. I was an victim of identity theft and I have disputed with all XXXX bureau about this along with a copy of my police report showing identity theft. I need for this collection agency to removed this collection off my credit report.
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have submitted police reports and reached out various times to resolve this issue of identity theft only to have my rights violated repeatedly. This company is blatantly attempting to collect a debt of verifiable identity theft. I have called them, emailed them, written by certified mail, faxed and uploaded all documents asked for only to be stalled out.
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX insurance billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.
|
| 05/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ability Recovery Services put a collection note on my credit report. I never received any notification from the original creditor or ARS about an y debt being owed. My address and phone number are public and listed on all three of my credit reports. The address and phone numbers listed on the credit report for this debt collection agency are not valid.
|
| 09/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Statement from " Ability Recovery Services LLC '' Reference # : XXXX University Total : $ XXXX States they must commence the collection process because I have failed to respond to previous correspondence on the above identified account.
*There is no way I owe XXXX to XXXX, but wow ... if they would like to offer that amount to me that would be great.
|
| 12/27/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I asked was the debt sold to a collection agency. The debt collector was tryng to coerce y child a minor into paying the debt. She is XXXX. I tried to work out the details of the debt to pay it and she refused and told me I better pay up or she will ruin my credit. I want the debt removed from my credit and ill pay for deletion on a negotiated amount.
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.
|
| 10/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Service is showing on my credit report for an amount of {$1900.00} with the original creditor being XXXX XXXX XXXX. This debt is not showing on my credit report at all for the original creditor. I believe this to be a false debt or a zombie debt that can no longer be collected on. I have also never received a communication from them.
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got a collection reported on my credit report for an online course that I never enrolled in. I have never given this company my social security number nor have signed any documents nor I have participated in any online course with them. I do not know where this account is coming from and it is ruining my credit report falsely damaging my good name.
|
| 09/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.
|
| 04/20/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted Ability Recovery Services LLC in order to validate the debt which they say I owe with the letter that is attached to this message. In addition, I sent copies of the debt in the amount of {$1200.00} showing on my credit report and highlighted it. I sent this letter XX/XX/23 and still have not heard a response from them verifying the debt.
|
| 02/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ability recovery services had put a collection back on my credit report and it has been discharged in the bankrucpty court and I call to find out about it and ask them can they update my account and they told me that I had to contact XXXX and dispute it and they hung up on me like i wasn't still asking the agents question about what all i had to do
|
| 04/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have tried disputing this account through all credit reporting agencies. After the dispute was submitted, the account is now being reported twice using 2 different dates. This appears to be in retaliation of the dispute. This debt is not mine. I have filed an identity theft report with the FTC. This record needs to be removed as it is not mine.
|
| 04/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Ability recovery services llc calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!
|
| 11/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ability Recovery Services is currently reporting a debt of {$130.00} from XXXX XXXX XXXX XXXX on my credit report. To date, I have never received the required validation notices for the account - actually I have never received any written notification regarding the account balance or any information validating the debt. Clear violation of FDCPA.
|
| 03/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company keeps calling my phone using a auto-dialer which is against federal law and when you pick up they hang up. This has happened numerous times, and I have record that these people keep calling. I am tired of the harassment and repeated calls from auto-dialer with this company. When you call back, they always say its a mechanical issue.
|
| 04/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/19 I sent a letter asking them VALIDATE AND VERIFY this debt that I " owe '' and all I received back is COPIES of some contract from " XXXX XXXX '' with NO SIGNATURE or ANY AGREEMENT whatsoever and something pertaining to APARTMENT XXXX not XXXX my real apartment number..
This debt is INVALID and not VERIFIED NOR VERIFIED whatsoever.
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ABLTY RECVRY ( Original Creditor : 07 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 05/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted Ability Recovery Services LLC in regards of a collection account they say I owe them but they are not verifying I owe this collection with them. On XX/XX/2020, Ability Recovery Services LLC sent me an enrollment application for debt validation/verification. This is not acceptable to me. It shows no account with them whatsoever.
|
| 03/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Ars LLC says I owe {$200.00} from XX/XX/2020 I am unaware of this account and I have had this removed from XXXX and XXXX credit bureaus, but XXXX says they did an investigations as well as XXXX and XXXX and this charge belongs to me according to them.
Please have these removed from my XXXX credit report as they do not belong to me.
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I XXXX XXXX contacted Ability Recovery Services on XX/XX/2023 to inquire about the debt and was informed that the account did not exist. The company suggested I reach out to XXXX XXXX so I contacted you all instead I spoke with XXXX XXXX ext. XXXX I need this removed from my credit profile for I never went or attend XXXX XXXX thank you.
|
| 01/17/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
Ability Recovery Services is negatively reporting on my credit profile. This account was included in a bankruptcy ( with the original creditor ). This account was illegally placed in collection AFTER everything was paid in full ( XX/XX/XXXX2016 ). This reporting tactic is demonstrating financial harm and presents legal grounds for suit.
|
| 12/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This company, ABILITY RECOVERY SERVICES , LLC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report. Ultimately resulting in Defamation of Character.
|
| 06/17/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have received XXXX calls recently from Ability Recovery Services their number is XXXX. Apparently an XXXX XXXX in XXXX gave my phone number. As a contact number for here dentist`s office. And has not paid her bill. I explained that I do not know of any XXXX XXXX. And that my wife and I reside in XXXX. But they just keep bothering us!
|
| 09/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My family hindered me from the world keeping alot of information from me and using my identity without my knowledge. I didnt have any knowledge about my credit report until recently I am devastated. Im really hoping you can help you delete and help repair all my credit so I can have a fresh start at soemthing that was originally mine.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This account was on my report years ago. I filed a dispute and it was taken off my report now after mysteriously after 3 years its back on my report. I asked several times for them to remove it because of it was a fraudulent and I asked them to send me a validation of the debt and they said they didnt have to send me anything by law.
|
| 04/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
Now that they " closed '' this account that was included in bankruptcy was never reported as a charge-off off before the bankruptcy, however they 're reporting this as a Charge-offs.
Per the FTC, if a debt was not in charge-off status BEFORE you filed for bankruptcy, it can NOT be reported as a charge-off AFTER your bankruptcy,
|
| 06/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Request a Signed legal document from company. Company stated an enrollment form. Enrollment form is not a validation of debt. Requesting a signed legal document validating debt with said company. Company is using stall tactics to try to fraudulent create a document and keep reporting inaccurate information to the credit bureaus
|
| 06/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.
|
| 08/20/2023 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written this company several time as to how they verified that I owe them with out any response.
1. Original contract with my signature.
2. Proof I have a legal contract with the company.
3.How did you verify the information you have 4. This debt is not mine.
ABILITY RECOVERY SERVICES.
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This complaint is in response to complaint : XXXX I sent letters to company requesting verification/validation of this account via my signature. They responded on XXXX with a printed out form of account details. Still nothing baring my signature. They did not explain or indicate how this situation could be fixed.
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT
|
| 09/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX shows a debt owed by me to Ability Recovery Service associated with an original bill due XXXX XXXX XXXX. I have not done any business with XXXX XXXX XXXX and the debt is not mine. XXXX investigated and claims their investigation indicates it belongs to me. It is with 100 % certainty that the debt does not belong to me.
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The debt collector didnt send me a letter, didnt give me the chance to communicate nor negotiate and kept reporting me for the amount I paid, its is not loan nor a debt. I already paid the school what I owe them and they keep Harassing me over the phone.
I have attached the payment confirmation from the school back in 2020
|
| 11/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dont know who this company is. They showed up on my XXXX and XXXX credit reports. I never had any account with XXXX XXXX. I never received any collection notices or phone calls. I will upload my address for them to send verification information and collection notices. Please see if the address is the correct one you have.
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The accounts on both XXXX and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away.
Ability Recovery Service ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )
|
| 10/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine. ABILITY RECOVERY SERVICES. XXXX XXXX XXXX XXXX, PA XXXX
|
| 12/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
The Account from Ability Recovery Services has been removed from all credit bureaus with the exception of XXXX. I received a credit alert that the account was removed and then readded to my XXXX report in XXXX.
Also, I have yet to receive any form of validation from this company as they allege. The date was also reaged.
|
| 04/05/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability services LLC is working with XXXX University creating falsified accounts and demanding payment. They're dragging their feet and try to stall consumer financial protection Bureau. I have documented proof that they are doing this it will be formed to the PDF of all below. Please read so you have a brighter picture
|
| 12/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I will like to file a complaint that ability recovery services had reported debt to the credit bureau affecting my credit. In the state of Florida collection agency must be license in state to collect a debt. I have investigated and verified there is no license the collection agency is not legally able to collect a debt
|
| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Ability recovery and XXXX XXXX XXXX are working with XXXX XXXX XXXX and keep restarting my time from medical bills over 7 years ago I would like them removed but they wont remove them I have disputed these 4 hit several times and each time they start me over please help with getting this removed its so unprofessional.
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This collection agency is violating my rights. This account is a complete violation of the no surprise act XXXX Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.
|
| 03/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have attempted to have them verify this debt due to me not having any knowledge of these bills prior to collection. They have not satisfied the validation of the debt to show it is in fact mine or are in violation of hipaa because I did not give my permission to sell my debt to a third party if it isn't fact my debt.
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ability recovery has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature.
Esignature documents must have Name Address Social DOb attach to make form legal.
This e signature doesn't have a XXXX address ip address or any Digital certificates
|
| 01/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am oblivious to this balance on my credit report, it must be another person 's name or information merged with mine. I sent the collection agency a formal letter Ability Recovery Services LLC, XXXX XXXX XXXXXXXX XXXX, Pa XXXX on XX/XX/2022 in regard to this matter but have not received a response. I also call XXXX.
|
| 01/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent them paperwork to prove that this account is not mine and they still try to attack me for this payment. Claim it was sold to another company but was charged off. I am confused. I asked them for paperwork like doc notes, my social security, something. they gave me a letter with info that was sold to them.
|
| 09/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX ABLTY RECVRY has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
|
| 04/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company has been trying to get XXXX dollars for something that I never had. I reported it to the credit bureaus 5 years ago and had it removed, now its back. Its for some sort of online school. Every month they are reporting it as a charge off. The collection was just open on my report again on XX/XX/2020 2020
|
| 09/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection agencey is reporting debt with starting dates of 5 months ago. I havent been in any hospital for years. Two debts were sold to this company and they changed the date of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ability Recovery Service at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$2800.00}. This collection has been reported as a pass due balance. I do NOT know this company. I have never done business with this company. This company does NOT have a contract with my signature.
|
| 02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and I found couple company 's name claims that I owe them money Ability recovery services XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ I tried to dispute These false claims thrue XXXX and they did not remove it after they did not get an evadance to support these companies claims
|
| 07/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
this company continue to harass me keep sending the same bill with different account number and change the amount to make it look different but the account number will have some numbers that are the same as the other bill. And change the date on it. Amount now XXXX company XXXX XXXX And wrong name spell wrong.
|
| 12/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Water bill for city of XXXX was was unpaid as we were moving from XXXX to XXXX and account was referred to Ability Recovery. Bill was paid in full to City of XXXX but agency keeps trying to recover fees from me. Threatened to report me to credit bureau and hung up on me. Collector gave her name as XXXX XXXX.
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
|
| 10/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
They keep putting a debt on my credit report for a college i never attended because i never even graduated high school yet somehow i owe them {$1200.00}? To add insult to injury i was told the original debt is over 7 years old. I have disputed it several times with the credit bureaus but have gotten nowhere.
|
| 12/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Ability Recovery Services has never sent anything communicating with me. They have violated the FCRA/TDCPA by not providing me with the opportunity to dispute this information I am not able to request debt validation from them. This has been disputed with the CRA 's and is negatively affecting my credit.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ability Recovery Services is reporting a collection account for {$1100.00} opened on XX/XX/XXXX even though the account is from XX/XX/XXXX. I have disputed this with the credit bureaus, but Ability Recovery Services says it is accurate. I have attached proof of the actual date of collection in question.
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have sent out numerous disputes and verification letters to Ability Recovery and the credit bureaus concerning this account to send proof this is my account because I have no knowledge of this account. I have yet to receive any type of correspondence back from them concerning it over the last 5 months
|
| 06/05/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called Ability Recovery Services LLC to make an attempt to try and verify a debt they say I owe they put me on hold and then blocked my number I'm still blocked as we speak and they couldn't even locate the debt but they are reporting it to my credit report so someone has to explain what is going on.
|
| 09/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This is an insurance issue, Spoke with Ability Recovery Service regarding the matter several times. They do not have the actual billing information, which was made clear when it was discussed with the insurance company. All they have to do is submit the actual billing information to the VA for payment.
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.
|
| 02/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX and Ability Recovery Solutions are reporting on my credit file that I owe monies for attending a school I never attend {$310.00} is being reported on my credit file each month. I tried contacting the school about the matter who advise me that I signed a contract which was never signed by me.
|
| 06/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of XXXX XXXX I been calling ability recovery to remove all fraudulent medical accounts off my credit report I also sent copies of my police report & I also spoke with customer service agent his name was XXXX he told me that the fraudulent medical account will be remove! No progress yet
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company originally tried to collect on this debt in 2017, I had it removed from my credit report because its not mine and the company had no information that concluded that it was mine. Now its back on my credit report again. Ive contacted the company by sending letters and nothing has changed
|
| 10/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Ability recovery calls everyday, and normally I would be able to put up with this. The fact that the average call times are eight tries in a one minute time-frame. XXXX XXXX XXXX automatically blocks them now. This has been happening since XX/XX/2018. They never leave any type of a message either.
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICE has reported that I opened an account on XXXX XXXX, 2022 and have defaulted on a loan in the amount of {$310.00}. I do not have an account with this company or the originator XXXX that was opened on XXXX XXXX, 2022, and do not have a debt related to this date and amount.
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ABILITY RECOVERY SERVICES reporting a major derogatory item on my credit report. This is a third party company trying to collect a debt for a XXXX program. I didnt take any XXXX online classes or have any debt with them. they keep calling me and putting a bad major derogatory status on my credit.
|
| 08/09/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received a phone call, tried to ask to validate the debt and was yelled at to pay right away. Repeated phone calls after telling them I would call back when I validated the debt. Threats of a law suit and reporting to the credit agency the next day if not paid. No contact was made prior to this.
|
| 12/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This alleged Debt appeared on my file on XX/XX/2019 in the amount of {$760.00} not sure from whom but this is not my debt and i do not have a contract with ABILITY RECOVERY SERVICES and and this this account is fraudulent and needs to be removed before i take legal action and will not hesitate.
|
| 04/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my consent
|
| 05/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I did not get full disclosure of contract from from third party service. I did not commit to a contract not did I receive any notice about the reporting of my information. I did not authorize my information be released or to be reported to Credit Bureau. This has damaged my credit and score.
|
| 12/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was.
The information I got was not helpful in resolving the debt.
|
| 05/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Services is reporting inaccurate, negative information on my credit reports. This information hasn't been validated and the balance showing owed is incorrect according to the original creditor. I am asking for this information to be removed from my credit file immediately.
|
| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.
|
| 06/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.
|
| 04/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company has provided myself and the CFPB a debt validation letter that includes a medical diagnosis of the alleged patient, but have not provided a signed HIPAA release form. That is a HIPAA violation and this debt must be removed immediately, or they will face fines and legal action.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, ABILITY RECOVERY SERVICE {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
|
| 01/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
They are rude and unprofessional. She used profane language with and she had an attitude with me when I explained my situation about what happened. I even asked to have my account handled by a different representative and she said No your XXXX stuck with me, now pay your bill and hung up
|
| 03/01/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability Recovery Services are reporting on my XXXX account. I have yet to see any validation about this debt. Nothing was mailed to me about this collection. Its only on my XXXX account. No matter how many times I contact and dispute they still didnt prove that this debt belongs to me.
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Its an emergency medical collection thats around {$710.00} I have had insurance for years Ive tried to dispute this called tried to figure out what its about getting no return calls I believe my insurance would have paid this bill just confused on the situation it is affecting my credit
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the year of 2019 I took my sister to the hospital. I had no legal holds over her I was just the driver and I am being held for her medical bills that are not mine. The bills were sent to her parents address never giving me a chance to speak to the original creditor which is not fair.
|
| 09/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I sent a letter to Ability Recovery in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received validation or a response yet as to if there is an investigation in progress, please fix this immediately.
|
| 02/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Opened collection XX/XX/2013 when I was XXXX about a gym membership that was in my mothers name not mine. Have never once sent me any information but is on my credit score. Have looked at reviews on this collection and reviews say it 's fraud all asking for the same amount of {$310.00}.
|
| 04/09/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I called to get information on my account and a woman by the name of XXXX Extension XXXX decided she wanted to have an attitude and yell and get smart with me. I asked her what her name was and she proceeded to say her name was XXXX, she then said " XXXX XXXX '' and hung up in my face.
|
| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX
|
| 02/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company has removed and put this from my credit report several times and put it right back on. I have somehow two issues with this company. The first one says it was opened on XX/XX/XXXX for XXXX and the other XXXX XX/XX/XXXX for XXXX I have no knowledge or written documents.
|
| 10/26/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was working on a college course with XXXX XXXX and the course was XXXX , I was unable to pay the balance because of Covid 19 taking me out of work for 2 months was unable to pay forward the balance.
The total I owe now is XXXX to collection much more than the initial balance.
|
| 08/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently checked my XXXX credit report and I still see a collection from ability recovery services on my report for {$0.00} after I was told over the phone once I pay the {$170.00} which I did in full that the debt would be deleted but ability recovery didnt keep their promise.
|
| 05/12/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received an unsigned letter from Ability with a course syllabus instead of an invoice and a written judgement .They are reporting never paid on my credit report since XX/XX/2017 until the present.We dont have an payment agreement.They are also reporting it as a collection debt.
|
| 05/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The dilemma is they have XXXX accounts in regards to my XXXX sons who were never seen, treated or admitted to any medical facility ever since birth. Both accounts are for {$900.00} each dated XX/XX/ for a total of {$1800.00}. I have contacted and disputed this collection before.
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My credit report shows a collection from Ability Recovery Services that I do not owe. I have made repeated attempts to clear this up and the company refuses to stop reporting on my credit report. The continuously update the account in a shady attempt to lower my credit score.
|
| 09/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX sent out dispute letters/call to speak to XXXX XXXX was told what to XXXX in XX/XX/XXXX I sent out dispute letters to all 3 credit bureaus XX/XX/XXXX I sent out letters to dispute all 3 credit bureaus Today is XX/XX/XXXX no reply for the letters sent to all 3 bureaus
|
| 03/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
|
| 02/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I got an alert from my credit monitoring stating that there was a new collection added to my credit report and when I pulled my report I saw Ability Recovery services. I do n't know who they are collecting for or for what reason, I never received an early warning notice.
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ability Recovery Services opened a collections accounts on XX/XX/2022 of which I was never notified in writing, and I have yet to receive a debt validation and verification letter. I have no knowledge of this account and it has had a severe adverse effect on my credit.
|
| 10/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a complaint against XXXX XXXX XXXX XXXX XXXX. I am victim of identity theft, I have no idea what this is. This was opened without my authorization, using my identity. This account used my social security without my knowledge of authorization meaning its fraud.
|
| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
|
| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Four accounts were placed on my credit without an initial demand letter being sent. When disputed the validation still was not sent to me, including the demand letter. I have zero knowledge of these debts and am not getting the correspondence I am entitled to.
|
| 06/06/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as XXXX XXXX , XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in XXXX .
|
| 11/01/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This company ( Ability Recovery Services ) uses scare tactics to recover money that i do not owe and reports it every few months as a new loan. Ive asked numerous amounts of times for documents they threaten they have to be sent to me and im flat out told no.
|
| 10/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called Ability Recovery Services , LLC to notify them that I had a police report for financial identity fraud. and the debt collector hung up in my ear after calling 3 times. I have reported this to the floor supervisor and will be filling it with the AAG.
|
| 07/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company appears to have purchased fraudulent/ identity theft debt from XXXX XXXX and is now representing it as occurring in XXXX of 2023.
This has already been reported to the police and appears to have been resold rather than resolved by XXXX XXXX.
|
| 09/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX & ABILITY RECOVERY SERVICE filed on my credit report on XXXX claiming I owe them when I never received any services from them and have told the company I never gotten any medical help from first responders at all in the last 10 years.
|
| 08/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The dates that they have for when they are billing me, I wasn't even living in that state any more. I called them and told them that {$690.00} was showing up on my report, but that I had already moved out of state. They made no attempt to care or fix it.
|
| 03/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An account by the name of Ability Recovery Service opened on XX/XX/2018 was on my credit report in the amount of {$990.00}. This debt has been has been sold I do not owe this agency. I would like this account removed from my credit report indefinitely.
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
The Medical debt should be removed and should have never been sold to a collection agency. I have and had insurance at the and every time I saw DR I paid CO-pay as agreed. I contacted my insurance and was told that all medical bill was paid as agreed.
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
The Medical debt should be removed and should have never been sold to a collection agency. I have and had insurance at the and every time I saw DR I paid CO-pay as agreed. I contacted my insurance and was told that all medical bill was paid as agreed.
|
| 05/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Creditor call to settle for {$14000.00} its been 7 yrs still paying {$150.00} a mth and the statements show i owe {$21.00} i call only talk to XXXX person he said it will show what my balance was before they buy contract..never get actual balance.
|
| 01/22/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 07/19/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed this debt with the credit bureau.
I never authorized the sell of my debt to this debt collector. In addition, payment is being made to the original creditor and the balance is {$320.00} not {$580.00} as the debt collector is indicating.
|
| 08/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ability Recovery Services purchased a debt from XXXX XXXX XXXX that I paid to have removed from my credit report in XX/XX/2020. I have made several attempts to resolve the issue with directly HOWEVER they elect to put it on my credit report anyway.
|
| 10/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Validation Letter was sent to this company on XX/XX/2018. As of XX/XX/XXXX company has not responded to this request.
Please see validation letter attached. This is not legitimate practice and I would like this item removed from my credit report.
|
| 08/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Spoke with the company twice and asked to have all the information sent to me. Was definitely not me, I have never been to XXXX XXXX XXXX XXXX of any kind. Company is not cooperating in any way, have not sent me any info on what this debt even is
|
| 07/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
While reviewing my credit report, I noticed this debt collector reporting wrong information damaging my credit. I have never heard nor received any correspondence from this debt collector. Instead, they have been reporting this debt on my credit.
|
| 10/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.
|
| 11/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
upon checking my credit report i realized there is a collection agent trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i entered any electronic signature with them nor any of there affiliates
|
| 05/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have sent letters to this company asking for verification/validation via my signature showing that this debt belongs to me. I have received no reply and I have disputed it to the credit bureaus of which they continue to validate without proof.
|
| 08/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never done business or heard of this company and DO NOT owe them anything. I thought consumers have rights to. I never received anything from this company notifying me of this, providing me evidence this is mine or even what this is for.
|
| 04/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A debt validation request was sent to them directly XXXX of XXXX and again on XX/XX/XXXX and they failed to respond. I also disputed it with all 3 bureaus and it still remains. I have never done business with XXXX XXXX or attended their school.
|
| 07/18/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a signed contract with Ability Recovery Service. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX . I am not responsible for this debt with Ability Recovery Service .
|
| 10/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.
|
| 01/14/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/ ABILITY RECOVERY SERVICE put a collection on my credit report saying i owe a debt of XXXX which i do not owe. The original creditor XXXX XXXX XXXX XXXX, I do not owe any debt them at all. What i would like is the purchase agreement.
|
| 10/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ability Recovery Services I have never done business with advising I owe {$5600.00}. I have been a victim of identity fraud for many years. I reached out to for them to provide information and the credit bureau have and nothing was ever sent.
|
| 10/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ON XX/XX/2018 and XX/XX/2018, I sent letters to Ability Recovery Services to validate the debt that is reporting on my credit report. Both times, I did not receive any correspondences from them, but the debt still remains on my credit report.
|
| 10/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.
XXXX XXXX account is Fraud account Ability Recovery Service is mine debt
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have written the company about the false information to a debt that I did not validate. It has been several months since this letter was sent to the company. I have not received a response. I would like this removed from my credit report.
|
| 05/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX XXXX XXXX , Ability Recovery reported a delinquent debt on my credit. I had no knowledge of this debt nor any information about where this debt originated, nor the time frame. It only appears through XXXX XXXX .
|
| 02/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Debt appears on my credit report for emergency medical services but services where never rendered to me, i live in texas and was working and can prove it. the debt was created out of state. this is clearly resulting from identity theft
|
| 03/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I reached out to pay my debt and we agreed that in two payments debt will be paid and reported to the 3credit bureaus and asked to be cleared. I disputed this and it says I still owe but have proof of payments and dates.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a medical collection on my account for {$1200.00} which was not me. I have never heard from this company or have ever incurred a debt like this. I can not get ahold of the company and have tried disputing this twice with XXXX.
|
| 02/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Payment was made on the account on XX/XX/21 for the full amount owed {$100.00}. The debt was to be removed from my credit report, but even after payment the status of the account is open and the full balance is still showing as owed.
|
| 03/13/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This account was not opened by me, I am a victim of identity theft and this place calls me more than XXXX times a day. I have blocked them and used various apps to block them, and then they leave dozens of voicemails threatening me.
|
| 02/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My credit score was decreased by XXXX due to a medical bill collection being added to my credit in the amount of XXXX which is a dead I do not believe I owe company did not verify it haven't been to any emergency rooms in XXXX Texas
|
| 10/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021 I sent a letter to ABILITY RECOVERY SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
|
| 01/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no choice but to report this company that is reporting on my credit bureau. I have never had any business in " XXXX '' - i have submitted several disputes through experian and this has yet to be deleted off my credit report.
|
| 09/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
-Contacted Ability Recovery on XX/XX/XXXX -Disputed with XXXX XX/XX/XXXX -Document from insurance company showed I owed {$0.00} to provider, submitted with dispute and to collection agency.
-Service date XX/XX/XXXX -Amount XXXX
|
| 01/15/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
When I found out about this debt I called the debt agency and told them they were not supposed to have any of my information because this is a HIPAA violation. I did not authorize any third-party company to obtain my information.
|
| 02/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Requested proof via certified mail.Never received any documentation. Never was informed or validated. Falsely reporting the open date on my credit, when it is years old. Violation of the FCRA. Refused to provide me any documents.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are numerous items on my credit report that arent mine. Ive contacted the hospitals and they dont have the records Ive disputed the claims but they are still on my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have been disputing this company and their inaccurate reporting for over 90 days however they have not responded to any of my dispute letters. In addition to the credit bureaus who allow this unverified reporting to continue.
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The name of the company.
XX/XX/2018 debt amount XXXX. They are unable to validate the debt. They are unable to provide proof that the debt is mine.
The address is XXXX XXXX XXXX XXXX, PA XXXX THE ABILITY RECOVERY SERVI XXXX
|
| 04/28/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i had signed up for XXXX XXXX but i never completed or attended any of the classes. now they are charging with {$1600.00} at that they changed the open date to XXXX XXXX XXXX i signed up for XXXX XXXX in XXXX
|
| 12/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am currently paying this debt and have made payments HOWEVER after taking money from me they placed on my credit for the whole amount after telling me they would not if I paid. They lied to collect a debt which is illegal.
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
They illegally purchased my information without my consent. It violated The Privacy Act of 1974. They have been sharing my information illegally to other party without my consent. 15 USC 1681B, I have the right to privacy.
|
| 04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ability recovery services account # XXXX idk what this is for but it's not for me it's a loan of {$280.00} n I've never got a loan before I think my ex husband is using my information or has before I'm checking into now ty
|
| 06/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ability Recovery Service LLC is attempting to collect a fraudulent debt for XXXX XXXX XXXX XXXX not owed by me provide proof of debt in writing within 30days or stop contacting me and delete fraudulent account from system
|
| 06/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$66.00}
|
| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$66.00}
|
| 03/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ability recovery services llc is trying to collect on a said medical debt and they are not bonded in the state of TX. The debt was Added to my credit report XX/XX/XXXX in the amount of {$670.00} without any documentation
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
This company continues to call and harass me by calling my job, my coworkers, friends and my family. I've asked for the calls to stop but they just continue. They harass me everyday. I want the harassment to stop ASAP!
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
An account with XXXX XXXX XXXX which should have aged- off of my credit report has apparently been sold and re-aged by Ability Recovery Services.
I haven't had any contact with the original creditor or its ancillary.
|
| 01/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ABILITY RECOVERY SERVICES , LLC {$1400.00} they say it was opened XXXX this account was fraudulently opened I am a victim of identity theft please remove my name of this account as it is fraud and does not belong to me
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I made a complaint about this company before and I am now seeing the agreement they attached to try to validate this debt as mine. I do not see a signature on that paperwork so the debt could very much be anyone else.
|
| 06/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There are XXXX medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY XXXX FOR {$1600.00} XXXX {$63.00} XXXX {$58.00}
|
| 09/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This company never validated the debt and this needs to be removed from my credit report. I am now being harassed by another company XXXX XXXX XXXX. You can not owe the same alleged debt to XXXX different companies.
|
| 06/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I faxed a cease and desist letter to Ability Recovery at XXXX on XX/XX/2020. Got a confirmation that they received it. The have called me 2 days in a row XX/XX/XXXX and XX/XX/2020. This is a violation of Fair Debt
|
| 07/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a Debt on credit report in collections from Abitity Recovery Service. I have never received anything from them about this debt. Now it has been placed on credit report and I have taking a bad hit on scores.
|
| 04/22/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face
|
| 02/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX {$2100.00} ITS ALL THREE OF MY REPORT XXXX, XXXX, XXXX. ISENT A DEMAND LETTER TO VALIDATE THAT THIS ACCOUNT BELONGS TO ME. THEY SENT ME A BILL ONLY I REQUESTED SOMETHING THAT WAS SIGNED BY ME
|
| 11/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed this on my credit report and have asked them for doc to prove this belongs to me and not someone with similar name. They have provided me any proof and when this was and who the orginal creditor was.
|
| 02/08/2020 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
I checked my credit and saw an account from Ability Recovery for XXXX XXXX for {$1700.00}. I was unable to finish the career training program due to a severe illness that lead to a death in my immediate family.
|
| 09/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i am a victim of identity theft. The information attached, which appears on my credit report, does not relate to any transactions, medical care or phone service I have made. It is the result of identity theft.
|
| 03/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Theres a medical charge on my credit report in collections for XXXX I attempted to dispute this charge several times and they aware that I owe the debt this is a HIPAA violation please access my credit SS XXXX
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This debt is not mine and I don't even know what it is it keeps on reappearing on my credit report I was never notified about it and there no contact information for this company and I am unaware what this is.
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened
|
| 01/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX has reported to the credit bureau, XXXX, the same debt twice in the amount of {$810.00} totalling {$1600.00}. The collections are showing on my credit report both times and are hurting my credit.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been disputing several items on my credit report as far as what its showing for student loans from schools, to lies about be owning money for damages to an apartment I never done, to identify theft
|
| 03/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This was placed on credit previously and removed now account placed on credit again request account to be removed immediately. Account was paid by XXXX XXXX XXXX XXXX already. Please review attached forms
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I gave updated information regarding this fraudulent account ( account XXXX ) on my credit report that the debt collector requested. I'm aware that this is all that's needed to process this false account
|
| 09/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This debt does not belong to me. Does this company " Ability Recovery '' whom I 've never heard of have any financial instrument with my signature on it?
I do not owe this money.
Please see attached.
|
| 06/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried disputing this account and it was not approved and I reached out to the school because my refund from school balance was placed as a collection on my credit report and they refused to. Remove it
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I spoke with collection agency on XX/XX/XXXX regarding an account thats no longer in collection, due to bankruptcy discharge. I was told the account would be removed from XXXX, however it wasnt removed.
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ABILITY RECOVERY SERVICE XXXX XXXX XXXXXXXX XXXX, PA XXXX This account is listed as being 4 months old. The account is actually 2 years old. Ability states that they will not change it. This is fraud.
|
| 04/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVI XXXX I asked them to validate the debt. They told me they can not, they do not have my signature, and there is no contractual agreement for me to pay. And they want to get paid.
|
| 04/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not received any information regarding possible debt, yet the company filed this on my credit report without any attempts at communication in writing, telephone, or any other correspondence.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.
|
| 05/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have collection for ability recover services and i have no knowledge of this account and they wont help me take it off they are very unprofessional they called me kiddo i just want this taken off
|
| 12/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, therefore no such debt in fact exists.
|
| 10/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company has reported a collection to my credit reports without contacting me first and secondly they are reporting INCOMPLETE and INACCURATE information that immediately damaged my credit.
|
| 02/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Says I opened an acct in 2015 and owe {$1100.00}. This company is not licensed to collect or contact about any type of debt in the State of Indiana. I want this removed from my credit reports.
|
| 04/18/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Ability Recovery Services has repeatedly called me claiming I owed medical bills which I do not owe and has now reported this to a credit agency which has negatively impacted my credit score.
|
| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This is not my debt. Someone had to use my social security number. I wasnt at this medical place. It is against the law to even put this debt on my credit report without proper documentation
|
| 06/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Never attended XXXX college.
Im a veteran would have used my GI Bill if that was the case.
Never signed any documents with this school.
Requesting A legal documentation from this school
|
| 04/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
No information has been verified connecting me to these illegal accounts that XXXX XXXX has false open. I Have not signed or offer any social security number has been verified or provide.
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX XXXX. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Ability Recovery is a 3rd party this same collection account is under XXXX XXXX and being reported 3 times on all of my credit reports, this company cant verify that this account is mine.
|
| 01/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed an account that was placed on my credit report that I have no knowledge of the account and they never contacted me. I want proof of the debt and the original dates of services.
|
| 01/02/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX called relatives phone at approximately XXXX XXXX twice and stated they were Process servers for NC and VA.XXXX called and stated they were with the IRS and they had a file on me.
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
|
| 01/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I tried to reach out to the collection place but they could not provide any valid information to me to prove the account was mine. Please investigate the account the credit bureau.
|
| 04/28/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
This is not my account and I have not contract with them and going after my for no reason I went to court and they didn't even show up to defend the petition so I do owe this dedt
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Account showed up on my credit report. Was not notified via mail or phone about the debt, amount owed or the original creditor. Thus, not given the chance to request validation.
|
| 12/24/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE BEEN TRYING FOR A WHILE TO GET THIS RESLOVED SO I AM TRYING AGAIN - I HAVE NEVER GONE TO XXXX XXXX AND THEY ARE TRYING TO COLLECT ON SOMETHING THAT WAS NEVER PROVIDED -
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Company never contacted me in reference to account. Had no knowledge that account ever existed until this morning XXXX/XXXX/16. Account has not been communicated what so ever
|
| 01/16/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
Called to inquire program I was never told that if I did not complete.I never did the course.I was never informed that would be charged or this would be on my credit report.
|
| 12/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
|
| 10/11/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ability recovery is trying to collect a debt i don't owe. i have responded to them by mail and they still reported to my credit as a collection related to a XXXX account
|
| 02/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have never opened an account or had an account with these people. This is a result of fraud and identity theft. I have disputed and contacted them with no resolution.
|
| 05/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today I received an alert from my credit monitoring service that this company has placed a collection item on my report. I have received notification from this company
|
| 02/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Disputed an erroneous account with Ability Recovery Services, however they have failed to remove the account from my credit report and have not responded to my letter.
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
No Medical debt under XXXX dollars should be reported on credit file starting XX/XX/2023, they submitted a claim of XXXX on my credit file and dropped my points XXXX.
|
| 01/04/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have debt for a company regarding services I have never received. The company claims I had medical services in Arizona in which I have not had any medical services.
|
| 02/19/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Advance urgent care did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature. No contract no signature!
|
| 03/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Third party Trespassing on a trust with a sold debt attempting to collect with out consent or signed contract Causing financial harm to legal fiction and living man
|
| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Seen this company on my file named ABILITY RECOVER SERVICES and the amount of {$430.00} alleged to be owed and not sure who this company is nor this purported Debt.
|
| 03/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I disputed this account and Im getting no results from the creditors other than it meets FCRA requirements which isnt accurate. I have no ownership for this account
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company is reporting a fraudulent account they sold the debt to ability recovery and now they are reporting, they are knowingly reporting a fraudulent account
|
| 03/15/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
I 'm receive letter from Ability Recovery Services LLC,, with false Account #, Amount and Debt. I do n't have any business with this company or XXXX XXXX XXXX XXXX
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I disputed the information that it was incorrect. The company is reporting the same collection twice, for the same amount increasing the amount of the collection.
|
| 08/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is a collection that was just listed, I disputed it I have no idea what this is nor is this mine and never received anything from this company. Please help
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
ability recover services is reporting inaccurate information and i have disputed it in writing and online and the results remain the same it is indeed INACCURATE
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
They are a third party collection i am not obligated to pay this debt to this party. It is no contract with me and this party. According to the fair credit act.
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A creditor had a charge off XXXX XXXX and they sold my information to ability recovery services. Now they have put this debt on my credit for again until XXXX
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not have a contract with Ability Recovery Services. I am not liable for the collection of this debt from XXXX College. I am not responsible for this debt.
|
| 07/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX this company reported on my credit report for XXXX and I have never done business with them and dont know who they are. I dont owe them anything.
|
| 06/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE FCRA.
ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY XXXX REPORT THAT IS NOT MINE AND DOES NOT BELONGS TO ME.
|
| 09/30/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010
|
| 08/03/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On my credit report this debt is showing as opened on XX/XX/2018. I do not owe this debt nor have I ever received any documentation regarding this debt.
|
| 06/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
The number I 'm being called from is XXXX. The collectors hang up when I ask for an address to write a cease and desist letter Ability Recovery Services
|
| 05/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Collection Reported by ABILITY RECOVERY SER Date : XX/XX/2023 Amount : {$640.00} Agency Address : XXXX XXXX XXXXXXXX XXXX, PA XXXX Agency Phone : XXXX
|
| 10/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
They are trying to collect a debt that was already paid by insurance ... .will not give me original creditors new contact info so I can provide proof.
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Ive disputed this INNACURATE information they verified it as accurate which it indeed INNACCURATE. THEY CAN NOT PROVIDE ME ANYTHING WITH MY SIGNATURE
|
| 07/12/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
No proper means of communication was ever established. This company fail to provide proper notifications and arrangements to clear the monies owed.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX I send money weekly to XXXX for this account but it is not being applied as I was never informed that my debt was being reassigned
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Victim of identity theft explained my situation to them told them it was possible for me to have debt in Louisiana and I been in XXXX for 8 years
|
| 12/09/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I would like debt validation from this collection company. If they are unable to provide it then all references to the account should be deleted.
|
| 10/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX reopened a collection account that was closed last year I've received mail and my credit was dinged again because of it
|
| 06/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I went for a drug test for a job and a physical and it was suppose to be paid by my employer so Im not understanding why this is on my account
|
| 09/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called this AGENCY several times and was toed to dispute the dedt.They never asked my name or why it was not my bill.The hang up in my face.
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I submit a letter to the collection asking them to validate the information and no response at this time. A letters in writing and mailed out
|
| 08/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company did not verify debt, They put the report on my credit and wiil not remove or give me paperwork to verify that they own the debt
|
| 01/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I never recieved any information about this debt, but its reporting on my credit report as late and closed. Its hurting my creditworthiness.
|
| 07/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I Have Medicare in that paid for any bill that was owed. They need to remove these medical bills from my credit report As Soon As Possible.
|
| 02/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a person of identity theft I have filed a police and report and FTC report and still receive fraudulent activity on my credit report
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES TO RESOLVE THIS DEBT. THIS DEBT SHOULD BE PAID OFF IN FULL!!! WHY IS IT STILL ON MY REPORT.
|
| 12/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 02/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never paid for this company for anything there are stalking my credit it's not mine I told them To cancel before I don't kno anything
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted XXXX hospital.and know money is owed for this date of service to any providers.Contact XXXX for any further questions.
|
| 07/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY ARE REPORTING AND ACCOUNT TO MY CREDIT THAT IS NOT MINE.
|
| 03/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am requesting per the FCRA 623 and 609, that I be given the original contract bearing the wet signature that opened the account.
|
| 09/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine I never had any of this dates of service I've already try to talk to someone to get this resolve to no avail
|
| 05/06/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i receive a letter for XXXX XXXX for {$1000.00} from the collection agency which i dont owe them anything them are not my charges
|
| 12/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
need validation showing my signature and not just a bill that's not proving that its mine..show me something with my signature
|
| 03/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ability recovery services reported to my XXXX account. I was never notified of debt owed prior. It was reported on XX/XX/2023
|
| 05/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
had a bill with hospital which was paid in full somehow ability recovery services llc are trying to get me to pay again
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Send me my signature where I received services or you will be getting sued. You have not legally verified any debt.
|
| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a inaccurate debt in my credit reports that does not obtain to me. They refuse to remove or proof ownership.
|
| 09/13/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I filed it under the didn't follow it right with my insurance company it pay XXXX my mental XXXX XXXX at that time
|
| 01/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a scam company. No way is this my debt and you never gave me a chance to dispute this debt! This is bogus
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
this company called and was told they have wrong number and to stop calling. but they call up to 15 times daily
|
| 05/21/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
This debt is just a screen shot. Please send me signed documentation, otherwise I will sue. And file law suit.
|
| 09/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2018 {$1500.00} Ability Recovery Services deleted the information and put it back up on my report again.
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was previously took off my XXXX report for it being unknown but somehow got put on my XXXX report
|
| 01/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This Debt collection company has reported a negative credit report to XXXX, in which does NOT belong to me.
|
| 08/06/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have looked upon this debt owed and it is aaying with credit report that their is nothing currently owed.
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Victim of identity theft company harassing me send letters moved from Louisiana 9 years ago FRAUD ACCOUNT
|
| 09/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE AND I HAVE NO KNOWLEDGE OF.
|
| 03/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2005 reporting this debt on my credit report as a collection bad debt. Please Delete Immediately.
|
| 02/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called the original creditor and all three bureaus on XX/XX/2021 and XX/XX/2021 no one is helping me
|
| 06/23/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
i did not apply for this student loan or owed to ABILITY RECOVERY SERVI collection services XXXX ...
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never open this account, and this is fraud to open in my name, please remove from my credit file.
|
| 01/10/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The school told me i would n't be having to pay back but the debt collectors said they didnt care
|
| 05/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Company keeps calling my home phone number after notifying them that they have the wrong number.
|
| 08/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt is included in my bankruptcy chapter XXXX and also the date is incorrect on my report
|
| 02/05/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Debt collector ( ability recover services ) did n't verify collection no contract no signature.
|
| 03/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Ive sent several debt VALIDATION letters for this reporting to my credit. This is NOT my debt.
|
| 08/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was not made aware of these fraudulent accounts until they showed up on my credit report.
|
| 11/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX an account like this is showing up on my credit and IT IS NOT MINE!
|
| 06/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Did not inform me I could dispute the validity of this account reporting on credit report.
|
| 05/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued
|
| 05/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2017 I was a victim of identity theft in which this how the medical debt was accrued
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Never received a letter or a verification of the debt. There is no information available.
|
| 06/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I thought a charity that a had relationship with the hospital paid the remaining balance
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Medical bill popped up in my credit report out of nowhere and I havent been to a doctor
|
| 04/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I have tried contacting them due to imposted payments! They hang up on me every time.
|
| 09/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
ability recovery services has opened charges previously diemissed by credit bureau
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never told u to process me in I cancel before the time limit was up to cancel!!
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account should not be in collections, if not removed I will contact an attorney
|
| 11/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ABILITY RECOVERY SERVICE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
|
| 10/09/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Didnt receive a validation letter about this debt via mail or electronically.
|
| 02/21/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was just recently XXXX in XXXX XXXX XXXX and this debt has been included
|
| 06/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I see this company on my credit and I don't know who this debt belongs to.
|
| 04/14/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i never went to XXXX XXXXXXXX this bill was sent to my credit report
|
| 06/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
{$1400.00} on XX/XX/2018 I wrote the company a letter with no ask.
|
| 04/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
This account is inaccurate. I never attended XXXX College in 2016.
|
| 03/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt does not belong to me. Please remove this immediately!
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX claims of owed debt in which I don't know about.
|
| 02/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX Last reported XX/XX/2022 {$6100.00} Open balance
|
| 01/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i have never been to this school or received anything from them
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Inaccurate credit reporting, erroneously reported information
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I enrolled in the school but never attended any class.
|
| 11/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have Medicaid not sure if this is my debt!
|
| 04/03/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt had been fully paid to XXXX
|
| 03/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2018 amount owed {$350.00}
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This is not my account
|
| 12/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Inaccurate information
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
INCORRECT INFORMATION
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine
|
| 02/12/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Student loan
- Private student loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/14/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Servicemember |
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/10/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 06/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/19/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/29/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 12/02/2022 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2022 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 10/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 08/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Older American |
|
|
| 08/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/23/2022 |
No |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 07/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/17/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Debt collection
- Federal student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/11/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/07/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Postal mail |
Older American |
|
|
| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 09/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/06/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/04/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 06/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 04/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/25/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/13/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 01/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/08/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 11/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 11/13/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 10/31/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
|
| 10/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/11/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 08/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/04/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 05/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Phone |
|
|
|
| 04/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/25/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 03/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/17/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 03/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 02/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 01/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/04/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/28/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Postal mail |
|
|
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/03/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 08/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/27/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 07/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
|
| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 04/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 03/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 02/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 01/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 11/25/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 11/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/16/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/08/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/03/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Fax |
|
|
|
| 07/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 06/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/06/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 06/04/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 05/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 04/11/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 04/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/31/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 03/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 03/23/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/10/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/22/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 02/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 02/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 02/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
|
| 02/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 11/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Fax |
|
|
|
| 11/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/19/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/14/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/16/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/14/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/29/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/16/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Phone |
|
|
|
| 09/08/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/24/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 08/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 08/11/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Fax |
|
|
|
| 08/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/29/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
|
|
|
| 07/21/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 07/19/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Postal mail |
|
|
|
| 07/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
Older American, Servicemember |
|
|
| 07/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 05/20/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 05/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/20/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/10/2016 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 03/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/28/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/20/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 10/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/17/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 09/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 08/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 06/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 04/06/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
|
|
| 03/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
|
| 03/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/17/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
|
| 02/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
Servicemember |
|
|
| 02/03/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Received bad information about my loan
|
|
Web |
|
|
|
| 01/15/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/26/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 09/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 08/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/09/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/29/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 07/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/10/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 07/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/24/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Phone |
Servicemember |
|
|
| 06/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 05/28/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 05/20/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 05/20/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/18/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 04/03/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 03/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 02/25/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/03/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/18/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/10/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/06/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
|
| 08/27/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/24/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|