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

CFPB complaint data Grade F 3,330 complaints

Ability Recovery Services, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade F.

Complaints by issue type

What consumers report about Ability Recovery Services, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.7/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Ability Recovery Services, LLC ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 3,330 all-time complaints and a 98% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
3,330
CFPB complaints, all-time
98%
answered inside the CFPB window
1,072
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Ability Recovery Services, LLC?

Ability Recovery Services, LLC has accumulated 3,330 total CFPB complaints across 50 states, with 1,072 filed in the most recent 12 months against 2,258 historical complaints before that window. The trailing-12-month volume represents 32.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 32% consumer-dispute-after-response rate.

Complaints have been recorded across 50 states, led by Texas with 600 and Florida with 503. Normalized against the full CFPB collector database, the reputation score of 51.7/100 places Ability Recovery Services, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

3,330

high-volume (CCDB)

Last 12 months

1,072

32.2% of all-time complaints

Rising ↑

States active

50

nationwide footprint

Timely response rate

98%

excellent band

Consumer disputes

32%

high (vertical avg ~19%)

Reputation grade

F

51.7/100 composite

How does Ability Recovery Services, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

52 Bottom 18% higher than 18% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Ability Recovery Services, LLC versus the debt-collection vertical average.

Timely response within SLA 98.1%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 32.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 89.3%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Ability Recovery Servi… National average
Complaints (last 12 mo)lower is better
1,072
27
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 Sub-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.

Top states by complaints against Ability Recovery Services, LLC

Across 50 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Ability Recovery Services, LLC contacts you

A grade of F signals how Ability Recovery Services, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Ability Recovery Services, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Ability Recovery Services, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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 F (score: 51.7/100), 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).

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

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.