Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WV

Complaint narrative:
I am filing this complaint against Ability Recovery Services LLC for failure to provide adequate debt validation in response to a timely written request, and for continued reporting of an inaccurate and unverifiable medical debt to consumer reporting agencies. Background : Ability Recovery Services is attempting to collect {$890.00} on behalf of XXXX XXXX XXXX XXXX, which claims to have purchased this account from North Carolina XXXX XXXX XXXX. The alleged service date is XX/XX/XXXX. What I did : On XX/XX/XXXX, I sent Ability Recovery Services a written debt validation request via certified mail pursuant to 15 U.S.C. 1692g. I requested XXXX specific items : the name and address of the original creditor, a signed agreement establishing my legal responsibility, an itemized statement of charges, proof of assignment or purchase authority, and verification that the debt had not been XXXX or settled. What they sent back : On XX/XX/XXXX, Ability Recovery Services responded. They provided XXXX documents : a form letter and an internal billing record from the original creditor. That billing record, which they provided themselves, shows the following : Original charge : {$1700.00} Uninsured discount applied : - {$890.00} Current statement balance : {$0.00} Entry dated XX/XX/XXXX : " XXXX WRITE OFF {$890.00} '' Their own documentation shows this balance was written off by the original creditor in XX/XX/XXXX. They provided no explanation for this write-off. They provided no documentation showing how a written-off balance remains legally collectible after being sold to a downstream debt buyer. What they did not provide : No signed consent to treatment or financial responsibility agreement No itemized statement of charges No chain of title documentation linking my specific account to XXXX XXXX, XXXX or to Ability Recovery Services No explanation of the write-off entry in their own records No verification that the debt has not been XXXX The credit reporting problem : This account is currently reporting on my XXXX credit report as an active collection balance of {$890.00}. I previously disputed this account through XXXX in XX/XX/XXXX. XXXX conducted a reinvestigation and left the account unchanged, meaning Ability Recovery Services told XXXX the debt was valid during that reinvestigation while simultaneously being unable to produce adequate validation to me directly when I requested it in writing. They verified a debt to a credit bureau that they can not validate to the consumer. That is the core of my complaint. Additional context : The XXXX services at issue were rendered on XX/XX/XXXX while I was in law enforcement custody in North Carolina. I was transported to the medical facility by police while handcuffed. I did not voluntarily seek these services. No signed financial agreement has ever been produced because I was not in a position to sign XXXX.

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