Debt collection -- Attempts to collect debt not owed -- Complaint #4468132
Complaint Overview
Complaint ID: 4468132
Company: Ability Recovery Services, LLC
Product: Debt collection
Sub-Product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 070XX
Date Received: 2021-06-16T12:00:00-05:00
Date Sent to Company: 2021-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #4468132 about?
Complaint #4468132 was filed against Ability Recovery Services, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-06-16T12:00:00-05:00.
How did Ability Recovery Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ability Recovery Services, LLC?
Yes, visit the Ability Recovery Services, LLC company profile at readthecomplaint.com/company/ability-recovery-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.