What is the most common complaint against Ability Recovery Services, LLC?

The most common issue consumers report about Ability Recovery Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3,330 complaints filed with the CFPB.

Are complaints against Ability Recovery Services, LLC increasing or decreasing?

Complaints against Ability Recovery Services, LLC are rising. The company received 1,072 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Ability Recovery Services, LLC's reputation grade?

Ability Recovery Services, LLC has a reputation grade of D (score: 49.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ability Recovery Services, LLC respond to consumer complaints?

Ability Recovery Services, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 32% of cases.

In how many states does Ability Recovery Services, LLC operate?

Ability Recovery Services, LLC has received CFPB complaints from consumers in 50 states, with the most complaints from Texas (600 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Ability Recovery Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1,566
Written notification about debt

666
Took or threatened to take negative or legal action

378
False statements or representation

334
Communication tactics

158
Cont'd attempts collect debt not owed

118

Data updated September 2026

CFPB complaint disposition

CCDB record ability-recovery-services-llc Ability Recovery Services, LLC

Grade D · 3,330 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #49 · compose #4188

VOL 3,330
GRADE D
12MO 1,072
STATES 50
TIMELY 98%
DISPUTE 32%
ISSUE Attempts to collect debt n…
RANK #49
COMPOSE #4,188

Volume peers

Nearest volume peer: HCFS Healthcare Financial Services of TeamHealth (3,327 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Ability Recovery Services, LLC's 3,330 CFPB complaints sit next to HCFS Healthcare Financial Services of TeamHealth on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Ability Recovery Services, LLC (18.0%)

Volume rank #49 and composite rank #4,188 diverge by 4,139 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 18.0%; Mid-band (15–30%) · 50 states with ≥1 filing
Seasonal peak: 2026-02 9.5%; 8–15% band · 195 filings
Divergent corpus ranks: #49 volume; #4,188 composite; Cleanest-composite ladder is 4,139 places worse than volume

How does Ability Recovery Services, LLC compare to its peers?

How does Ability Recovery Services, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Ability Recovery Servi… National average

Complaints (last 12 mo)lower is better

1,072

268

Timely-response ratehigher is better

98%

93%

91%

Consumer-dispute ratelower is better

32%

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1,566
Written notification about debt	666
Took or threatened to take negative or legal action	378
False statements or representation	334
Communication tactics	158
Cont'd attempts collect debt not owed	118
Disclosure verification of debt	52
Threatened to contact someone or share information improperly	27
Improper contact or sharing of info	17
Electronic communications	8

Where do complaints against Ability Recovery Services, LLC come from?

Ability Recovery Services, LLC's own per-state count, not a national baseline.

Texas

600
Florida

503
Georgia

350
Louisiana

161
North Carolina

148
Pennsylvania

122
New York

99
South Carolina

96

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Ability Recovery Services, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3,330.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.13664596273291%.

4 peers

Know your rights before responding to Ability Recovery Services, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.