Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (CA)

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 I provided him my bank information for payment of {$440.00} which was withdrawn on  XXXX / XXXX /  XXXX  .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.