Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I have tried to have the amount for the XXXX XXXX debt removed from my credit report with XXXX and they have denied me twice. I have already received federal documents that my debt with XXXX XXXX has been ruled illegal and should be taken from my credit report. I was XXXX of the original applicants that filed on the class action lawsuit between ( XXXX et al. v. XXXX XXXX, XXXX et al. ). In which I filed original documents back in XXXX complaining that when I attended XXXX XXXX the university misrepresented the time and cost required to complete the XXXX XXXX XXXX XXXX program and they also enrolled me into XXXX classes that I didn't request during the height of the pandemic of XX/XX/XXXX. Now there is a collection agency by the name of " ABILITY RECOVERY SERVICES LLC '' in the amount of {$1300.00} that has been on my credit report for years. Regardless of my recent appeal and proof of paperwork that names the original debtor " XXXX XXXX '', that they purchased the debt from. Their collection agency is still trying to collect funds from me under this lawsuit that has reached a ruling. I was just informed that my dispute was denied for the amount. This is very unfair and has created a hardship for me because it's blocking me from being able to complete my XXXX education with another institution because this debt prohibits me from being free in clear for any other credit possibilities to pursue my education to further my ability to earn. I have been disputing this since the XXXX Lock Down when they enrolled me into classes during a time when I was not even employed. I had been laid off from my employer because I worked for the public school district and had been out of work since XX/XX/XXXX. Yet they took it upon themselves to assume that I wanted to continue with more classes in the Summer of XXXX when I could not even afford to do so. Because of the pandemic and my financial hardship I didn't have the time to check my student email in time to see that I had been enrolled into classes for my XXXX program for the Summer of XXXX and so it cause me to miss a deadline to remove myself from the classes. That was so incredibly unethical and they placed an unsolicited hardship on to me when I wasn't able to retain employment during the worst period of the XXXX XXXX Lockdown until XX/XX/XXXX. I was receiving limited unemployment payments at that time that and during the time XXXX XXXX enrolled me into classes without my consent. This is XXXX of the many reasons that XXXX XXXX was found liable in the class action lawsuit and because I refused to pay this {$1300.00} they sent it into collections to further my hardship that I never solicited. Even though I have advised this collection agency and XXXX that I have been sent the documents that clearly tells them to remove that original XXXX XXXX amount from my credit report for the XXXX program that I was under. They just sent their decision back to me on this morning and again this is the second time that I have been denied. The attached letter that I am sending to you from the US Dept of Education that was directly sent to me, is the exact letter that I sent to XXXX and that ABILITY RECOVERY SERVICES LLC has been privy to in this dispute and yet they still have denied to remove that 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