Ability Recovery Services LLC

Dear [redacted]: We are in receipt of the above referenced complaint. Collector offered a partial payment arrangement of $25.00 monthly, student was unable to setup arrangement therefore collector gave student our mailing address to submit the $10.00 monthly payments. My collection manager will...

review phone recordings for quality assurance. Please beware that this is a valid collection account that is owed and due and we will accept the monthly payment of $10.00 due to consumers financial difficulties. [redacted] can contact our collection manager Kim R[redacted] @ ###-###-#### for additional information. Below is our mailing information to remit payment(s) on account:                                                ...⇄                                      Ability Recovery Services, LLC                                      PO Box [redacted]                                      Scranton, PA [redacted]Account ID #: [redacted] Sincerely, Audrey C[redacted]Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA [redacted]Phone: ###-###-#### Fax: ###-###-####cc:file

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted]I am rejecting this response because:They always say calls are monitored and if they were then they would not have so many of the same complaint. I dont understand how they get away with this kind of behavior if I were to treat people this way it would be zero tolerance and I would no longer have a job. Bullying and talking down to people is never the answere I have looked these people up prior to filing this complaint and its amazing there are hundreds of complaint but the calls are monitored I find that hard to believe that this person is saying this because they know that know one is going to check nor will they be some kind investigation in to the employees that they are standing by.  So they stand by these people calling and using abusive language and threats that says a lot about the person that sent the response. Regards,[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: 12010998
I am rejecting this response because:
Again this is NOT me it may be another [redacted].  That is a document that is not signed and could be made up by anyone.  I hold a Master Degree and would have no use to take a Pharmacy class.  I work for a governmental agency and is in no related to Pharmacy.  You have shown zero proof that signed any type of agreement.  This is my final request for this item to be removed from my credit report as this is not my account.  Should this item not be removed I will forced to consult with an attorney as this has already caused me monetary damage as we will currently building a second home.  I will seek full monetary damage should this fraudulent account not be removed from all 3 credit bureaus.
Regards,
[redacted]

Dear [redacted]: We are in receipt of the above reference complaint. Please be aware that we have requested validation of debt, however has not yet been received. We have closed the file and marked account for deletion. Our next reporting is on March 3, 2016.  Please allow (2) weeks for due...

diligence.  If you or the consumer should need anything further, please do not hesitate to contact me. Sincerely, Audrey C[redacted]Director of Client Relations Ability Recovery Services, LLC (o)  ###-###-#### (f)   ###-###-#### cc:file

Dear Ms. [redacted]: We are in receipt of the above referenced complaint and account is status as disputed.  Attached please a Student Enrollment Application  and ledger for review. Please advise if this is not consumer and we take the necessary steps to removing from credit. Please feel free...

to contact me if you or the consumer should need anything further. Sincerely, Audrey C[redacted]Client Relations Toll free: ###-###-####cc:file

Dear [redacted]: We are in receipt of the above reference complaint. Please be aware that I am showing [redacted] as a paid in full account (collection notice and payment crossed). [redacted] is in good standings with Ability Recovery Services. If you or consumer should need anything further,...

please do not hesitate to contact me.Sincerely, Audrey C[redacted]Client Relations cc:file

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: I would like a breakdown of the fees.  Because I only owe $5279.75.  I don't want an explanation of "collection fees are added to the balance; I would like to see the breakdown.Also, if I could pay the amount in a month I would not be in collections. I can pay reasonable payments on the balance of $5279.75 plus reasonable collection fees. Regards,
[redacted]

Dear [redacted]: We are in receipt of the above referenced complaint. Please be aware we are showing [redacted] enrolled in the Travel and Tourism Specialist course with [redacted] in January 2012. (please see attached) I am showing a cancellation balance of $180.80 or a continuing balance of...

$720.80.We can closeout account with the cancellation balance if [redacted] does not want to continue. Consumer can contact our supervisor Kim R[redacted] toll free at ###-###-#### to discuss a payment arrangement. Let me know if you or the consumer should need anything further. Sincerely, Audrey C[redacted] Client Relationscc:file

Dear Ms. Stewart: We are in receipt of the above referenced complaint. Attached please find validation that was sent to consumer. Account is in a disputed status. Please feel free to contact [redacted] if you should need anything further. Sincerely, Audrey...

C[redacted]   
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[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Dear [redacted], We are in receipt of the above referenced account. I have attached a copy of student enrollment and ledger. Upon reviewing consumer can contact Jeremy M[redacted] @ ###-###-####. If you or the consumer should need anything further, please do not hesitate to contact me. Sincerely, Audrey...

C[redacted]    Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA [redacted]Phone:  ###-###-#### Fax:  ###-###-#### Email: [redacted]@ars-llc.biz

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  I have attached proof that I was not in the country during the time that this account was opened.  I verified the shipping address of the merchandise, and I was living on Kadena AFB in Okinawa Japan at the time of the delivery to the state of Kentucky.
Regards,
[redacted]

We are in receipt of the above rejection. Please see attached bill copy for services rendered with original creditor [redacted] of Broward. If you need any questions regarding the attached bill, please contact our collection manager Kim R[redacted] toll free ([redacted]) [redacted] ext. [redacted]. If you or the consumer should need anything further, please do not hesitate to contact me. Sincerely, Audrey C[redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA [redacted]Phone:  ([redacted]) [redacted] ext. [redacted] Fax:  ###-###-#### Email: [redacted]@ars-llc.biz

Dear [redacted]: We are in receipt of the above referenced complaint. Please see attached original bill copy and balance verification. Date of service was December 15, 2014 with an original balance due of $1,689.00 after insurance payments and or contractual allowance the new  balance...

due is $75.53.[redacted] can request a copy of his explanation of benefits (payment from insurance and or contractual allowance breakdown) from [redacted], as they will not provide third parties this information.If you or [redacted] should need anything further please do not hesitate to contact our collections manager Kim Ross at ###-###-####.Sincerely, Audrey C[redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA [redacted]Phone:  ###-###-#### Fax:  ###-###-#### Email: [redacted]@ars-llc.biz

Dear [redacted]:  We are in receipt of the above reference complaint. Please be aware that we have agreed to delete the derogatory from the consumers credit bureau reports. We have changed status to deletion, please allow at least 3 weeks to update on reports. Sincerely, Audrey...

C[redacted]Director of Client RelationsPhone:  ###-###-####Fax:  ###-###-#### cc:file

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:
Their representative stated the entire debt would be settled for $1,074.50, paid in installments. The representative name is Christina P[redacted]. She told me she would call me back to obtain my banking information. It wasn't until I received an alert from the credit bureau agencies stating a collection account was added to my file. I checked to see who it was and it was this collection agency. I was baffled because on August 26th, through their representative Christina P[redacted], I agreed to settle the debt for $1,074.50 not $5,372.50 as reported to the credit bureaus. I ARS and tried to speak to someone regarding what the representative told me and I basically got made fun of and disrespected. I have notified my Attorney's General office as well as the Consumer Financial Protection Bureau because it is unfair for this company to continue to operate in deceptive practices. I will request a recording of the phone call that took place on 8/26/16 through legal counsel. 
Regards,
[redacted]

Dear [redacted]: We are in receipt of the above referenced complaint. The difference in the balance is the collection fee.  Once an account is placed out to collection the collection fee is added to the balance due. Please review your Enrollment agreement under the Terms and Conditions...

section. "I understand that as a condition of my enrollment that I am financially responsible for any and all charges incurred including tuition, program and collections fees (including reasonable legal fees)." We can offer a discount of 15% which will bring your balance down to $5,385.35 to be paid in full within (30) days from today. Please contact Dawn R[redacted] with any further questions or concerns toll free at ###-###-####.Sincerely, Audrey C[redacted]    Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA [redacted]Phone:  ###-###-#### Fax:  ###-###-#### Email: [email protected]

[redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me. 
[redacted]
[redacted]

We are in receipt of the above referenced complaint. Please see attached student enrollment agreement and a detailed ledger statement for your review. We are not showing a refund due for $350.00.  Your account reflects a discounted in full status. If you have any additional questions or...

concerns, please do not hesitate to contact Kim R[redacted] at ###-###-#### Sincerely, Audrey C[redacted]    Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA [redacted]Phone:  ###-###-#### Fax:  ###-###-#### Email: [redacted]@ars-llc.biz