Ability Recovery Services LLC

We are in receipt of the above referenced complaintPlease be aware that our supervisor Jeremy M*** was correct regarding credit reporting policy. We will be happy to have this removed from credit reporting once account has been paidWhen you reach paid in full status, please notify us and
we will request a removal for all credit reporting agenciesPlease do not hesitate to contact me if you need anything furtherSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biz

From: * ***Date: Fri, May 13, at 8:AMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #***.To: Revdex.com I am sending this email to inform you that I replied to the email that was sentI am not sure if it take because it was done from my smart phoneHere is an attachment letter that was sent to the Credit Bureaus stating that I am disputing this debit, that this company is to scam me and is harassing meI appreciate if you take the time to read it and reopen my caseThank you in advance.*** *** ***BEDFORD, MI ***###-###-#### ABILITY RECOVERY SERVICESPO BOX 4031WYOMINGPA 18644 Re. *** *** SSN: [379-70-[10-31-1966]Original Alleged Creditor: *** ***Reference / Account No. D33429***Alleged High Balance: $3,482 DISPUTE Your company has placed derogatory information about the above referenced account on my credit report. I wish to dispute the above referenced account. I am not disputing that this is my account. But I am disputing the amount of the alleged balance which you are claiming. Please provide a copy of the contract which justifies all of the balance including principle, interest, late fees, finance charges, etc. Mere statements of the account will not suffice. I am requesting the governing contract that empowers you to collect the amount which you claim. If you do not have a contract, then please explain why not. And please explain how you legally justify the alleged balance without a contract. Unless your provide this information to me, please remove this account from my consumer report. Sincerely, _____________________ ____________*** *** DATE

Dear *** ***, Attached please find copies of returned items for reviewAs you can see the checks never cleared and were receivedThank you, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biz

This account has been closed is this office since 7/7/2016. The credit bureaus will be updated to reflect this during our next regular credit reporting cycle, which is 7/15/

Dear *** ***: We are in receipt of the above referenced rejectionPlease be aware that *** *** is an online school, therefore no original signature is availableWe do want to help *** *** resolve this matter,all of our information matches to consumer therefore, we need a police report filed to show fraudAccount is currently reporting as a disputed account on credit report and once information is receive we will delete the derogatory through EOscar.I have put in a request for recordings to be reviewed by our compliance departmentPlease understand that we have policy and procedures in place if collector violates FDCPA such consequences include retraining and testing of the FDCPA and possible suspension or terminationIf you should need anything further, please do not hesitate to contact meThank you.Sincerely, Audrey C***Director of Client Relations (o) ###-###-####(f) ###-###-#### 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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Dear Ms ***, We are in receipt of the above referenced complaintPlease be aware that validation for *** and *** *** College was sent to consumer on December 11, to address on complaintAfter consumer reviews and still disputes not him/her then need to provide Ability Recovery
with an ID Theft police report. Once received we will forward to our clients to review and adviseIf consumer should need anything further, they can contact our Collection Manager Kim R*** toll free at *** *** *** ***. Sincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box Scranton, PA

Dear Ms***: We are in receipt of the above referenced complaintPlease be aware that we have refunded MsProctor for the credit card charge-backs we received as of 04/11/2016.Management is reviewing call recordings for quality controlPlease be aware that we have policies and procedures in
place that consists of FDCPA Re-testing, suspension or terminationPlease let me know if you or the consumer should need anything furtherSincerely, Audrey C***
Client Relations
Ability Recovery Services, LLC
** *** ***
Scranton, PA
Phone: ###-###-####
Fax: ###-###-####
Email: ***

[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 Administratively Resolved]
Complaint: ***
I am rejecting this response because:First , this information is very bogus, I see no signatures! I have already told you this was a fraud, your company has repeatedly tried to get me to admit to the charges, and want to call me a bad credit userYou're company is unprofessional , and according to records your company has changed it name several times, that makes you look bad, you have had 90+ complaints on Revdex.com under your current company nameI will not deal with fraud or a company that will act as a bully, I will sue your company to the max! Your representative tried to act like I don't know what lawyer is I have told you to do your home work and you have refused to do so, you have told me you it is not your job, when in fact it is your jobWhen you have been told fraud was committed, you also have the option to dispute this, your representative refused to do so and said he was going to mark it a refusal to pay, I said nothing of refusing, I only said this was fraud! Not only this has gone into debt collections and I never received one notification, this file is years old from what I have read You claim the address is in Florida, I am not a Florida resident, that should have been your first indicator of fraud.What has really upset me is I have good credit, minus all the major purchases I have made over the last two years, which all have either been paid off or still in the process My purchases is none of your companies business! The person who started talking about my credit openly about files that did not pertain to this current matter was crossing the line, your Representative had no reason to discuss this or tell me I am a worthless credit person, taunted me , being sarcastic , and acting like a child, and just kept on pushing my buttons until I was upset.I want to see action take against your employee, I will not resolve this until this action is take care of, second I want an apology! This is mandatory !Third, I want you to remove my information from your records until you get the update information from pennfoster , I have already faxed paper needed to the company that put out this information for a debt , they have agreed to remove my name , you do not even have my correct address in the correct state, I
If your company was on top of things , it would have seen I have a college degree with a balance of $60K in student loans, so my question is why would I attend a school that isn't even a *** school!
Regards,
*** ***

[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 ***, and find that this resolution is satisfactory to me I will follow up with the police dept, and thank you for helping me resolve the issue
Regards,
*** ***

We are in receipt of the above reference complaintPlease be aware that we have put a request for deletion pending validation of accountOnce information is received from client we will forward to consumer for reviewIf you or the consumer should need anything further, please do not hesitate to
contact meSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@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: ***
I am rejecting this response because:If I received financial aid during my time at *** how do I owe them? The school does not allow a student to enroll in classes without their classes being paid for, if you fail a class they pay times for the class before the student is responsibleYou still are not providing documentation of proof that I owe thisThat is just another invoice with the balanceI want to know what this is owed for an why if a student gets financial aidIf you can not provide that then pleas update my credit report accordinglyI do not have a contract with you nor *** so how can you legally report this on my credit
Regards,
*** ***

[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 Administratively Resolved]
Complaint: ***
I am rejecting this response because: First of all I called them to make payment arrangements on April 30, or to see if there is a settlement amount and if so, how much would it be for bothShe stated there is no settlement amountShe asked me how much can I payI told her that I can do $a month, that I am unemployed and have five kids at home, and live off of $a month child support, and she stated, that she can't do that low amount, that the lowest she can go is $The collector did not offer me a partial payment of $until after she asked me how much I can pay. I told her, "I can't do $25.00, I live off a limited income, you can't refuse my $payments"She then rudely stated, "Well you just asked me if there was a settlement"And I said, "Yes, I was just wondering if there is one, and if so, what it would be"She then said, " Well, I can't accept nor will I set up arrangements on $10.00, I'll be sending you out a letter, and you can send it in that way"(As you can see it does not show or state on letter that their accepting my $payment it states how I am "supposedly not complying" which is not true, I faxed this letter after this conversation to both parties, as you can see it does not state what Audrey C*** is saying in her response to my complaint)I told the Collector, "You don't have to be so rude, I'm just trying to make arrangements", and she then said, "I'm not going to argue with you" and then I said, "I'm not arguing, I'd like to speak to a supervisor", and she stated, "I am the supervisor", and I said, "No, I'd like to speak to the person above you," and she hung up on meWhich is very rude, and unprofessional.Clearly in the phone conversation it tells the truth of how it went, and that reviewing the recordings of this phone conversation will show exactly what and why I am complaining .I do not appreciate them stating, "student was unable to setup arrangement therefore collector gave student our mailing address to submit the $monthly payments." The whole reason why I called was to setup payment arrangements and the collector was unable to setup arrangements, because the $wasn't good enough for her, and she sent me out a letter stating that I'm not complying, and that is not true
Regards,
*** ***

*** *** ** ** *** *** *** ** * *** *** *** *** ** * *** *** *** *** *** *** *** ** ** *** ** *** *** *** *** ** *** ** ***
*** ***
I am rejecting this response because: Ability Recovery Services have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately as requested.Be advised that the description of the procedure used to determine the accuracy and completeness of theinformation was also requestedAdditionally asking to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they "verified" without providing any proof, bearing mysignatureAs per *** opinion letter from *** *** ** ***, a printout of a bill or itemized document does not constitute verification that was provided.I have formally requested several times a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Ability Recovery Services the alleged amount. Certified mailed second attempt letter is attached
***
*** ***

Dear *** ***, We are in receipt of the above referenced complaintPlease be aware this account has been closed and returned to *** *** as of July 10, Request for deletion was done at that time. We are putting a second request for deletion to the credit reporting
agenciesIf consumer would like to speak with *** *** regarding their account they can contact ###-###-####. Student ID# ***Sincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biz

Dear *** ***: We are in receipt of the above referenced complaintPlease be aware that we have noted and closed accountHowever, I am not showing paperwork received. Please have consumer email paperwork direct to me and I will forward to *** for their reviewMy email
address: ***@ars-llc.biz We have status account for deletionIf you or the consumer should need anything further, please do not hesitate to contact me Sincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA *** Phone: ###-###-#### Fax: ###-###-#### Email: ***@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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[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: ***
I am rejecting this response because:
The collector company did more than just "inadvertently" sent me the collection notice; they affected my credit historyThere was no mention of them clearing my credit history with the Credit Report companiesThey need to state that they will do so and show proof of such action. Regards,
*** ***

Dear Ms***: We are in receipt of the above reference complaint.Please be aware that account is closed and returned to client as of August We have put a second request to the credit reporting agencies to delete the derogatoryIf you need anything further, please do not hesitate to
contact meSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: ***

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***