Consumer complaint received 2024-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NC)

CFPB Complaint Against Ability Recovery Services XXXX XXXX XXXX Name of Company : Ability Recovery Services Laws Violated : 12 CFR 1006.34 ( b ) ( 5 ) : Overshadowing of validation rights 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to cease collection efforts upon request for original creditor information 12 CFR 1006.34 ( d ) : Improper validation notice 15 USC 1681-S2 ( 7 ) ( A ) : Violation of the FDCPA Complaint Details : How did Ability Recovery Services overshadow your right to dispute the debt or request the original creditor 's information in their communication ( 12 CFR 1006.34 ( b ) ( 5 ) )? They have not given me any proof of any contract that i supposed to had signed for a debt.I do not know how they have gotten my information. Once i asked for explanation or proof the representative get angry and will simply hang up. They have harrasing phone call daily and some times call from different numbers after i have told them to stop harassing me. For instance, did they use confusing language or make threats that downplayed your validation rights? The representative called me about a debt i did not have any knowledge about. I had never heard of the company and then the representative cursed me out and hung up on me. They told me that i had to pay this or they will take legal actions and sue me. They did not even have all of my correct information so they must be using public information about me. They are not required to have a license so they just add charges to peoples accounts.

Did Ability Recovery Services continue contacting you to collect the debt after you sent a written request within the validation period asking for the name and address of the original creditor ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) )? Yes, they have been calling daily since i sent my seize and assist letter. I also advised that they send me a contract of the debt i allegedy own because the original creditor said my account was paid in full.

Were there any missing mandatory details or misleading statements in the validation notice you received from Ability Recovery Services ( 12 CFR 1006.34 ( d ) )? I have not recieved any validation letters from the company. The company has some very rude people and no one is on the same page. The representative goes from I owe one charge to now i do not actually owe that amount. I can pay a third but how am i owing a debt to an account never serviced me. I asked to speak to a supervisor in the company the representive cursed me out and told me they will just sue me.

How did Ability Recovery Services ' actions violate your rights under the FDCPA ( 15 USC 1681-S2 ( 7 ) ( A ) )? Provide specific examples of harassing, deceptive, or unfair practices. This could include unreasonable communication frequency, using profane or threatening language, or falsely claiming you will be arrested if you don't pay. 


I would like to request that the CFPB investigate this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX