Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding improper debt collection and inaccurate credit reporting by Ability Recovery Services , LLC concerning an alleged debt of {$2300.00}. I enrolled with XXXX XXXX College on XX/XX/year>, and provided notice of my cancellation on XX/XX/year>, with an email response dated XX/XX/year>, in accordance with the terms of the enrollment agreement. I did not complete any classes during this period. Under the contracts refund and cancellation provisions, any balance owed should be limited to the amount permitted by those provisions. The amount being collected by Ability Recovery Services appears to represent the entire cost of the educational program, which directly contradicts the refund terms outlined in the enrollment agreement. Because I provided timely notice of cancellation and did not complete any coursework, the contract does not permit the assessment of the full program cost. The company has failed to provide any accounting demonstrating that the balance of {$2300.00} was calculated in accordance with these contractual provisions. On XX/XX/year>, I sent a written dispute and request for validation to Ability Recovery Services pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that correspondence, I disputed the debt in its entirety and explained that the amount being collected did not reflect the proper refund calculation under the enrollment agreement. Ability Recovery Services did not respond to my initial dispute and instead continued collection activity by sending additional correspondence attempting to collect the alleged balance. In response, I sent a second written notice reiterating my dispute and request for validation. Only after this second notice did the company respond, and their response consisted solely of a copy of the enrollment agreement. This response did not address the basis of my dispute and does not constitute proper validation of the alleged debt, as it failed to include : Any itemization or accounting showing how the balance of {$2300.00} was calculated Any documentation demonstrating that the cancellation and refund provisions of the agreement were properly applied Any verification that the amount being collected is accurate Despite the debt remaining formally disputed and without providing proper validation, Ability Recovery Services reported this alleged debt to the credit reporting agencies. This conduct appears to violate the following federal laws : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : Requires a debt collector to cease collection activity after receiving a written dispute until verification of the debt is provided. 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false representation of the character, amount, or legal status of a debt. 15 U.S.C. 1692e ( 8 ) : Requires a debt collector to communicate that a debt is disputed when reporting it to credit bureaus. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Requires furnishers to notify credit reporting agencies that a debt is disputed. Requested Resolution : Immediate deletion of the tradeline associated with this alleged debt from all credit reporting agencies. Written confirmation that all collection activity has ceased. Alternatively, if the company contends that a balance is owed, provision of a complete and accurate itemization demonstrating how the amount of {$2300.00} was calculated in accordance with the cancellation and refund provisions of the enrollment agreement. I have attached supporting documentation, including : My original dispute letter dated XX/XX/year> My second follow-up correspondence The companys response consisting of the enrollment agreement A copy of my credit report reflecting the reported tradeline I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the inaccuracies associated with this alleged debt.

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