Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
XXXX XXXX was alerted by XXXX that I had a negative notification on my report. I called the number on the report and ask what this is about? I am told it is in regard to a bill from XXXX XXXX XXXX. date of service XXXX also states that the claim was sent to my insurance provider and then rattled off some numbers from my insurance card. I tell the representative that I have never received notification of this bill ever. She states one was sent before. I haven't changed addresses in over XXXX years. I requested another letter with information be sent and maybe via certified mail with signature that way they will know I received it. I was laughed at and told they would NOT send XXXX to my current address because I apparently don't receive my mail. I was told I would need to provide another address, and I again requested a letter be sent. XX/XX/XXXX. I sent a certified letter with return signature required to Ability Recovery Services. Requesting debt verification according to FDCP and regulations. XXXX XXXX I sent a certified letter to Ability Recovery Services with XXXX letters from my medical insurance company. The first XXXX verifying that I had full medical coverage on the date of service and a second one stating that the insurance company does not have a claim from XXXX XXXX XXXX at all. XXXX XXXX XXXX way conversation with my insurance rep and a supervisor from Ability, Insurance rep told XXXX that we don't have a claim and need more information. The only information the representative from XXXXS can give us is date of service, a total charge, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX is bankrupt so neither myself or my insurance rep have a way to verify the claim. XXXX representative says she can ask for a detailed bill from XXXX XXXX, she didn't know we wanted XXXX. She states she can only see limited information due to HIPPA regulations. XXXX XXXX certified letter sent again disputing this claim and requesting detailed verification and proof of filing an insurance claim and questioning the validity of this claim. XXXX XXXX sent certified letters to Ability Recovery Services and to XXXX XXXX again disputing the debt and asking for detailed verification and proof of claim to insurance. XXXX XXXX Receive for the first time a collection notice from both XXXX XXXX and Ability Recovery Services ( in the same envelope ). The statement contained minimal information and lacked itemization or substantive verification of debt or any proof that any claim was filed to medical insurance. I have since : been gathering documentation for potential FCRA/FDCPA litigation and filed with the Michigan Attorney General I have experienced significant emotional distress as a result of this situation, requiring medical intervention and adjustment of prescribed medication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation