Ability Recovery Services LLC

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware that our legal department has reviewed the recordings and found on January 25th, at 5:53:PM [redacted] authorized Ability Recovery Services, LLC to run (5) payments of $starting on 2/19/then bi-wklyAttached please find a paid in full verification for consumerIf you or [redacted] n should need anything further please do not hesitate to contact meSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

We are in receipt of the above reference complaintPlease see attached Itemized billingAs you can see the original amount billed was $1,Your current balance after insurance payment and adjustments is $For the insurance payment breakdown you will have to get right from your insurance company (they will not supply to a thrid party)Please feel free to contact me with any questions or concernsSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware that we have received authorization from [redacted] University to accept $as payment in full on the remaining balance due of $Student may pay online through our secure web portal at www.abilityrecoveryservices.com or they may contact me direct toll free at ###-###-####If you or the consumer should need anything further please do not hesitate to contact meSincerely, Audrey C [redacted] Director of Client Relations Ability Recovery Services, LLC P.OBox [redacted] Scranton, PA ***(o) ###-###-#### (f) ###-###-####

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf 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 installmentsThe representative name is Christina P***She told me she would call me back to obtain my banking informationIt wasn't until I received an alert from the credit bureau agencies stating a collection account was added to my fileI checked to see who it was and it was this collection agencyI was baffled because on August 26th, through their representative Christina P***, I agreed to settle the debt for $1,not $5,as reported to the credit bureausI ARS and tried to speak to someone regarding what the representative told me and I basically got made fun of and disrespectedI 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 practicesI will request a recording of the phone call that took place on 8/26/through legal counsel Regards, [redacted]

Dear [redacted] : We are in receipt of the above reference complaintPlease be aware that we have set account to no more calls to work number ###-###-#### Our status on account reflect "disputed"If I can be of any assistance in trying to resolve the dispute, please do not hesitate to contact meI have also put in for a call ticket for recording to ensure proper collector protocolWe have policies and procedures in place if collector found to be at faultSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

Dear [redacted] : We have received the validation from our client [redacted] Attached please find the students online enrollment and reference the terms and conditionsAlso, attached please find students ledgerThe balance on account is $3,If you or the consumer should need anything further, please do not hesitate to contact me at ###-###-####Consumer can also contact our collection manager Kim R [redacted] at ###-###-####Sincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Regards, [redacted] ***

Dear [redacted] , We are in receipt of the above referenced complaintConsumer has two accounts in our office the account for $our client is still showing owed please have consumer provide copy of the cancelled checkOnce we receive proof of paid prior we will delete the derogatory from the consumer credit bureau report(s)Account for $statement was mailed today we apologize for the delay it was not included in the original requestPlease be aware that we also mailed copies of the validation notices that were sent to address of recordIf you or consumer should need anything further, please don't hesitate to contactSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

To Whom It May Concern,Please find attached the final receipt and invoice I received from Ability Recovery ServicesI withdraw my request for a refund because I didn't actually pay any more than my debt requiredI do ask, however, that Ability never contact me again about this matterIf what Ability says is true and they can't find the payments, I am not responsibleI did my partIf what they say is not true and they received payment, I'm still not responsible or liable for their dishonestyAbility has done nothing to prove I owe anythingI consider this matter closed.***

Dear Ms [redacted] : We are in receipt of the above referenced accountThere are two accounts that we have identified based on the information provided The first account has been recalled by our client and is closed in this officeThe second account is open and I have attached validation of the debt In addition, I have marked the account as disputedIf you have any further questions or concerns please do not hesitate to contact us at ###-###-####Sincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: [redacted]

[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]

[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 as long as they meant that deletion means the negative collection will be removed from my credit report after I have paid the $ Regards, [redacted] ***

Dear [redacted] We are in receipt of the above referenced complaintPlease be aware that we have your account in a disputed statusAttached please a copy of consumers enrollment agreement and student ledgerUpon review let me know if you need anything furtherThank you.Audrey C [redacted] [redacted] [redacted] *** [redacted]

Dear [redacted] : We are in receipt of the above referenced complaintOn October 27, we show [redacted] enrolling in the Paralegal Studies at [redacted] Last payment March 10, Please see attached enrollment and student ledger for reviewLet me know if you need anything furtherSincerely,Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [email protected]

Dear [redacted] : We are in receipt of the above referenced complaintAs per our client [redacted] the account has been closed out due to identity theft.This information will be removed from the consumers credit bureau report(s)Please allow at least (3) weeks to reflect on credit report If you or the consumer should need anything further, please do not hesitate to contact meSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC Phone: [redacted] ext [redacted] Fax: ###-###-####

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware that we have marked the consumers account to no more callsAlso, we have scheduled a letter to consumer for review of account informationIf you or the consumer should need anything further please do not hesitate to contact meSincerely, Audrey C [redacted] Director of Client Relations Phone: ###-###-#### Fax: ###-###-#### cc:file

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware this was for 6/1/Term on 7/5/student withdrew/LOA received a 20% refund toward her coursesFinancial Aid went back to the lender due to code A - withdrawal to zero credits.Please see attached validationBalance due on account is $2,578.75, however, I can offer a 15% discount bringing the balance to $2,one payment due within days from 08/08/2017.Consumer can contact Jeremy M [redacted] toll free at ###-###-####Sincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

Dear [redacted] We are in receipt of the above referenced complaintAll of our calls are recorded for quality assurance and have been reviewed by our compliance department and found accusations to be untrue.Please be aware that we are appalled by the alligations from [redacted] and we are able to provide all recordings, if necessary We have marked this account as a cease and desist by consumer as requested by consumer and will notify client of suchIf you or the consumer should need any further assistance, please do not hesitate to contact meSincerely, Audrey C [redacted] Director of Client Relations Ability Recovery Services (o) ###-###-#### (f) ###-###-####

Dear [redacted] , We are in receipt of the above referenced complaintPlease be aware that I have brought this to management for reviewUpon reviewing with last payment consumer paid her principal balance due the remaining balance is interestWe consider [redacted] account paid in full and will keep the status of non reporting to the credit reporting agenciesIf you or consumer should need anything further, please do not hesitate to contact meSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

We are in receipt of the above referenced complaintPlease be aware that your account has been closed and return to client as of 12/31/We have put in for a second request deletionPlease see attached printscreen to show deletionPlease allow at least (2) weeks for the derogatory to be removedPlease do not hesitate to contact me if you need anything additionalSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz