Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
This is my third complaint against Ability Recovery Services , LLC, regarding their continued reporting of an unverifiable and time-barred collection account to XXXX, in violation of multiple federal consumer protection laws.

Despite prior CFPB complaints and direct disputes, Ability Recovery Services has not provided any of the critical validation documentation I requested under FDCPA 809 ( a ). Furthermore, their most recent response was generic, failed to include the requested documents, and did not demonstrate own
ership of the debt or a lawful right to report or collect.

VIOLATIONS AND LEGAL ARGUMENTS : 1. FDCPA 15 U.S.C. 1692g ( a ) & ( b ) : No valid debt validation notice was received within 5 days of initial contact. 

No forward flow agreement, bill of sale, purchase agreement, or original signed contract has been provided. 

No itemized accounting or breakdown of charges was presented. 

No proof of legal authority to collect or furnish data was shown. 
2. FCRA 15 U.S.C. 1681e ( b ) : Ability is furnishing data to XXXX  without ensuring maximum possible accuracy.

There is no evidence that they own the debt or have accurate records.

3. FCRA 15 U.S.C. 1681s-2 ( b ) : Following my disputes, Ability failed to conduct a reasonable investigation, as required.

The account was not removed or corrected, and remains on XXXX  unchanged.

4. FDCPA 15 U.S.C. 1692e ( 8 ) : Ability is continuing to report disputed debt as collectible and accurate without disclosure or resolution, which is deceptive. 

XXXX. Case Law : Daugherty v. Convergent Outsourcing, 836 F.3d 507 ( 5th Cir. 2016 ) : Reporting to a bureau is collection activity FDCPA applies.

Clark v. Capital Credit Servs., 460 F.3d 1162 ( 9th Cir. 2006 ) : Collectors must validate before resuming collection activities.

STATUTE OF LIMITATIONS VIOLATION ( CALIFORNIA ) : According to the attached documents, this debt was originally sold to Credit Corp Solutions on or around January 22, 2020. That date begins the 4-year statute of limitations under California law for written contracts ( Cal. Civ. Proc. Code 337 ). 

Ability Recovery Services did not acquire or begin reporting this account until XX/XX/XXXX over five years after the debt was sold. They have no legal standing to collect or report this debt under California law, rendering the collection attempt unlawful and time-barred.

FRAUDULENT OWNERSHIP CLAIM : The XXXX  report indicates : Company sold : - ( blank ), Original Creditor : XXXX XXXX  Opened : XX/XX/XXXX Amount : {$1600.00} If this debt was already sold to XXXX XXXX XXXX in XXXX, Ability Recovery can not legally own or collect on it in XXXX. Theyve offered no documentation to explain how they claim to own it now. 

This raises serious concerns of double-selling or fraudulent reassignment, and should be investigated.

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