Ability Recovery Services LLC

Dear *** ***: We are in receipt of the above referenced complaintPlease be aware that we have put a request to the credit reporting agencies to delete the derogatory information from the consumers credit bureau reportsIf you or the consumer should need anything further, please do not
hesitate to contact meSincerely, Audrey C***Director of Client Relations (o) ###-###-#### (f) ###-###-####cc:file

Good Morning, Attached please find an itemized bill for consumer to reviewUpon review consumer can contact our collection manage* *** *** *** *** *** *** to discuss any questions or concernsWe look forward to working with MsKavanagh for a speedy resolutionSincerely, Shannon
P***Client Relations

Dear *** ***, We are in receipt of the above referenced complaintPlease be aware that we are not showing a request for validation verbal or writtenValidation has been received and we will forward to address of record. If 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

We are in receipt of the above referenced rejection. Please be aware that Ability Recovery Services has elected to closeout account and return back to *** ***.I would however, suggest to file a police report for fraud, if in fact the SSN ending in *** was consumersIf I could be of any further assistance please do not hesitate to contact meSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: ***

Dear *** ***: We are in receipt of the above referenced complaintPlease be aware that we received (2) payments on account that came back as "unable to locate"2-22-$(check by phone) returned unable to locate3-1-$(ACH) returned unable to locateI have a current balance due of
$for student ID# ***I am not showing an account in our system for $account was placed on February 11, with a balance of $380.50.Consumer can contact Dawn R*** toll free: ###-###-#### for further informationSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA *** Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biIf you or consumer should need anything further, please do not hesitate to contact me

Dear *** ***: We are in receipt of the above referenced account.Please see below answers to request from consumer: Amount owed: $ Computed amt: See attached student ledger/enrollment for calculations Documents prove I agreed to pay: see attached student enrollment agreement Identify the original Creditor: *** *** Confirm not crossed SOL: Enrollment 10/- SOL = years in Louisanna *** License for LA = ***Let me know if anything further is neededAudrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biz

Dear *** ***: Please verify with consumer the following date of birth and email address 03/26/1977 ***@***.com Please be aware that over half of the course was completedIf they are correct, *** *** would have to file a police report for ID theftOnce filed *** *** can forward to us for client to review and closure.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 see attached invoice for review. We are awaiting additional validation from client (Enrollment agreement)Account has been updated on credit report as a disputed account. Once information is received from our
client we will forward to address on file for review and response.If you need anything additional, please do not hesitate to contact our collection manager at ###-###-####Sincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biz

+Dear Ms***: We are in receipt of the above referenced complaint.Please be aware that we did receive consumers payment and apologize for any misunderstanding.If you or the consumer should need anything further, please do not hesitate to contact meSincerely, Audrey C***
Client Relations Ability Recovery Services, LLC ** *** *** Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: ***

Dear *** ***: We are in receipt of the above referenced complaintPlease see attached student enrollment agreement and ledger for reviewAlso, attached please find the validation letter that was sent to student that consumer claims did not receiveIf 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 Administratively Resolved]
Complaint: ***
I am rejecting this response because: I requested multiple times proof of the debtThis letter does NOT provide me any proof of the debtI requested in writing and over the phone: Here again for the 3rd time is the information I requested!
Why you think I owe the debt and to whom I owe it, including:
• The name and address of the creditor to whom the debt is currently owed, the account number
used
by
that creditor, and
the amount owed
• If this debt started with
a different creditor, provide the name and
address of the original
creditor, the account number
used by that creditor, and
the
amount owed to that creditor at the time it was transferredWhen you
identify the original creditor, please provide any other name by which I might know them, if that is different from the official
nameIn
addition, tell me
when
the
current creditor obtained
the
debt and
who
the current creditor obtained it from
• Provide verification
and documentation that there is a valid
basis for claiming that I am required
to pay the debt to the current creditorFor example, can you provide a copy of the written
agreement that created
my
original requirement to pay?
The amount and age of
the
debt, including:
• A copy of the last billing
statement sent to me by the original creditor
• State the amount of the debt when you obtained it, and
when
that was
• If there have been
any
additional interest, fees or charges added
since the last billing
statement from the original creditor, provide an itemization
showing the dates and
amount of each
added
amountIn addition, explain
how the added interest, fees or other charges are expressly authorized
by
the agreement creating the debt or are permitted
by
law
• If there have been
any
payments or other reductions since the last billing statement from the
original creditor, provide an itemization showing the dates and amount of each of
them
• If there have been
any
other changes or
adjustments since the last billing statement from the original
creditor, please provide full verification and
documentation of the amount you
are trying to collectExplain
how that amount was calculated
In addition, explain how the other
changes or adjustments are expressly authorized by the agreement creating the debt or
permitted by law
• Tell me when the creditor claims this debt became due and when it became delinquent
• Identify the date of the last payment made on this account
• Have you made a determination that this debt is within
the
statute of limitations applicable to
it? Tell me when you think the statute of
limitations expires for
this debt, and how you
determined that
Details about your authority to collect this debt
• I would like more information about your firm before I discuss the debt with youDoes your firm
have a debt collection license from my state? If not, say why notIf
so, provide the date of the license, the name on the license, the license number, and the name, address and telephone
number of
the
state agency issuing
the
license
• If you are contacting me from a
place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the
license number, and the name, address and telephone number of
the
state agency issuing
the license
I have asked for this information because I have some questions I need to hear from you to make an informed
decision about your claim that I owe this money. I am open to
communicating with you for this purpose. In order to make sure that I am
not put at any disadvantage, in the meantime please treat this debt as being in
dispute and under discussion between us.
In addition to providing the information
requested above, please
let
me
know
whether
you
are prepared
to accept
less than
the
balance
you are
claiming
is owed
If so,
please
tell
me
in writing
your
offer
with the amount you will accept
to fully resolve the account.
Regards,
Jennifer F*

Dear MsStewart: We are in receipt of the above referenced complaintWe have sent a request to the credit reporting agencies to delete the derogatory information from *** *** credit bureau reportsPlease see attached copy of E-Oscar requestLet me know if you need anything furtherThank you
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 I assigned *** *** to a manager Dawn R*** ###-###-#### is going to reach out to you todayWe have put in call tickets for the recordings and they will be handle through our in house policies and
proceduresIf you or the consumer should need anything further, please feel free to contact meSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: ***@ars-llc.biz

READ BELOW MESSAGE FROM BUSINESS:Revdex.com Case Number: ***Student Name: *** *** Student Number: ***, ***, ***, ***, ***, ***To Whom It May Concern:I had *** *** accounts sent over to our Financial Department and it looks like the *** enrollment was not forwarded to the agency with the other accountsOur Financial Department is reaching out to the collection agency to have it removedThis can take a few business days for it to be fully removed.If you have any further questions, please contact me directly at ###-###-####.Sincerely,Andrew K***Student advocate Coordinator

Dear Ms***: We are in receipt of the above referenced complaintAbility Recovery Services is licensed and bonded in all states applicable.Please note we are no longer collecting on consumers account due to recall processConsumer can call *** *** for any additional account
informationSincerely, Audrey C*** Client Relations Ability Recovery Services, LLC

[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,
*** ***

*** *** ** ** *** *** *** ** * *** *** *** *** ** * *** *** *** *** *** *** *** ** ** *** ** *** *** *** *** ** *** ** ***
*** ***
I am rejecting this response because:Ability Recovery is actively attempting to collect and reporting on an illegitimate debt that does not belong to meThey allege that they are awaiting additional paperworkThis is a blatant admission that they are reporting on a debt in which they have no knowledge ofThis account was previously disputed and Ability Recovery alleged they were able to validate the claimsIt is impossible to validate a invalid claim that does not belong to meThis negligence and abuse of debt collections practices is causing further damages to meThis matter shall be remedied immediately. ***
***
*** *

[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,
*** ***

[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 response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: they were already paid by student loan and over charging is defrauding the government and I will exercise my right in court and sue for up to the amount of $1000. Account needs to be closed and deleted and [redacted] needs to contact me and only me and not an outsource agency. You had no right to place anything on my credit report without a court order or my signature stating agreement. So at this point if it is not removed from my credit report we will see each other in court.
Regards,
[redacted]