Ability Recovery Services LLC

Dear [redacted] : We are in receipt of the above referenced complaintWe acquired account on March 5, consumer was sent a validation notice on March 6, to [redacted] **, Denver CO [redacted] notifying [redacted] his account has been placed with an outside agency for collections It also states if not paid or disputed within days from receipt of notice account would be credit reportedConsumer received (3) additional notices and several phone attempts [redacted] contacted our office on July 31, @11:AM and cleared up his account (after day reporting period) We will delete account from consumers credit bureau report as a courtesyIf you or the consumer should need anything further, please do not hesitate to contact meSincerely,

The complaint has been resolved to my satisfactionThank you very much 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]

Dear [redacted] , We are in receipt of the above referenced complaintWe are showing [redacted] enrolling in the Pharmacy Technician course at [redacted] on February 6, with a last payment date of March 5, Please see attached Enrollment Agreement and Student Ledger for reviewLet me know if you need anything furtherSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### 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: To Whom It May Concern,Please be advised that you are in direct violation of the Fair Debt Collections Practices ActIn my opinion you have violated at least three sections of this act by: Failing to validate a debt as allowed to the debtor under USC (g) Section (b)Failing to provide evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signatureFailing to provide complete, legit account history of the alleged debt - charges broken down and validated to date.I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agenciesYour response under the current credit laws are NOT considered a "Validation of debt" by any meansYou may wish to familiarize yourself with what is considered validating a debt.There is no question that you willfully violated my rights and that I could bring charges against you immediatelyHowever, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actionsI will say again you are in direct violation of the fair credit reporting act, and I will state again you have not provided any valid proof of this alleged debt, and I must mind remind you again to either properly validate this debt or removed this account from my credit report as soon as possibleI do know my rights under the FCRA and I will take action against you for these continued violations and abuseIn addition - supporting my dispute [redacted] College is an online college, I have attended University of [redacted] for over years now -- prior to attending University of [redacted] , I attended [redacted] College (Birmingham, Alabama) after I finished high school at [redacted] High school in (I have proof supporting claims) I have never attended [redacted] college, and I was enrolled in University of [redacted] during the alleged dates from [redacted] collegeAccording to the Fair Credit Reporting Act, Section (a)(1)(A), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit reportOtherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accountI demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) or this account removed as soon as possible from all reporting agencies whom may be furnishing itUnder the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below (It has been over days since I sent [redacted] *** - A debt validation letterSincerely, [redacted] ***

Dear [redacted] , We are in receipt of the above referenced accountI have attached a copy of student enrollment and ledgerUpon reviewing consumer can contact Jeremy M [redacted] @ ###-###-####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 PO Box [redacted] Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

Dear [redacted] : We are in receipt of the above reference accountPlease be aware that is account was closed and returned back to original creditor [redacted] Account has been status for deletion and our next upload is on March 3, Please allow weeks for due diligence.If you or the consumer should need anything further please do not hesitate to contact me.Sincerely, Audrey C [redacted] Director of Client Relations Ability Recovery Services, LLC (o) ###-###-####(f) ###-###-#### cc:file

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware we are only showing one check processed in the amount of $on January 30, Please have consumer send me overdraft proof so that we can reimburse her on the overdraft fees(Fax: ###-###-#### ATTN: Audrey)Please be aware account has been set for deletion and prompt payment of overdraft fee will be sent to consumer upon receipt of statement 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 (o) ###-###-#### 5(f) ###-###-####CC:file

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware that management is reviewing the recordings for quality assuranceI have marked account for no more calls, but please be aware that is a valid debt and will remain in collectionsWe are showing a balance owed in the amount of $1,for the High School program at [redacted] [redacted] can call our manager Kim R [redacted] toll free at ###-###-#### to discuss payment optionsIf you or the consumer should need anything further, please do not hesitate to contact meSincerely, Audrey C [redacted] Client Relations Toll free: ###-###-#### CC:file

[redacted] [redacted] I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me [redacted]

Dear [redacted] : We are in receipt of the above referenced complaintAttached please find student enrollment agreement and student ledgerI am showing the same email address was used [redacted] @***com to enroll in the Electrical Engineering Tech course.After reviewing consumer can contact our office to discuss further.If you or the consumer should need anything further, please do not hesitate to contact meSincerely,Audrey C [redacted] Director of Client Relations (o) ###-###-#### (f) ###-###-#### cc:file

We are in receipt of the above referenced complaint.Please be aware that I have put a deletion request to the credit reporting agencies to delete the derogatory information from Mr [redacted] 's credit bureau reports (see attached).This belongs to an individual with a similar nameWe sincerely apologize for any inconvenienceIf you should need anything further, please do not hesitate to contact meSincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC [redacted] Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: [redacted]

I do not owe this debt to [redacted] University or ARSPrior to the class beginning, I contacted the professor to ask them to remove me from the course as I had a death in the family and would not be able to continue with my educationI also ask that ARS refrain from contacting for this debt or any others as they are unprofessional and abrasiveI believe that they violate fair collection processes

[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: [redacted] I am rejecting this response because:They always say calls are monitored and if they were then they would not have so many of the same complaintI dont understand how they get away with this kind of behavior if I were to treat people this way it would be zero tolerance and I would no longer have a jobBullying and talking down to people is never the answere I have looked these people up prior to filing this complaint and its amazing there are hundreds of complaint but the calls are monitored I find that hard to believe that this person is saying this because they know that know one is going to check nor will they be some kind investigation in to the employees that they are standing by So they stand by these people calling and using abusive language and threats that says a lot about the person that sent the responseRegards, [redacted]

Dear Ms [redacted] : We are in receipt of the above referenced complaintWe only show one conversation with consumer dated December 10, @ 8:AM at that point consumer indicated she was unable to pay until the new year, since that time we have attempted to reach out to consumer on several occasions, last attempt on June 19, but to no availAttached please find a copy of Ms [redacted] 's statementAfter review Ms [redacted] can contact our Collection Manager Kim R [redacted] toll free at ###-###-#### to discuss any questions or concernsWe would like to work with Ms [redacted] with a resolutionSincerely, Audrey C [redacted] Client Relations (o) ###-###-#### (f) ###-###-####cc:file

Dear [redacted] : We are in receipt of the above referenced complaintPlease be aware the proof of payment provided was for the consumers hospital bill not the ER Physicians bill which we are collecting onThe physicians bill was denied by insurance as patient was ineligible for service.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 PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

Dear Ms [redacted] :We are in receipt of the above referenced complaintOur company sincerely apologizes for any unpleasant experience with our company.Consumer can log onto https://www.mymedicalpayments.com and view bill by using account number [redacted] .If you or the consumer should need anything further, please do not hesitate to contact me Sincerely, Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box [redacted] Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] Have a wonderful Holiday Season

We are in receipt of the above referenced complaintPlease be aware they we have put in a request for an itemized billWe want to help consumer resolve this matterPlease provide all insurance information so that we can submit to insuranceYou can reply to this complaint or send me a separate emailed to: [email protected] information is received we will forward to client for processingYour account reflects a disputed status (pending insurance outcome)Let me know if you have 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 see attached copy of student enrollment agreement and ledgerThe student ledger will reflect payments made by student.After consumer reviews, he can contact out collection manager Kim R [redacted] toll free at ( [redacted] [redacted] to discuss any additional concernsIf you or the 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 18505Phone: [redacted] *** [redacted]

Dear [redacted] : Attached please find all documentation to validate the indebtedness owed to [redacted] .Total balance due is $2,After reviewing please feel to contact me with any additional questions or concernsAudrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA ***Phone: ###-###-#### Fax: ###-###-#### Email: [redacted] @ars-llc.biz

Dear Ms***:We are in receipt of the above referenced complaint.Please see attached invoice for policy numbers [redacted] and [redacted] .After review please contact our collection manager Kim R [redacted] toll free at ###-###-#### to discuss any questions or concerns after review.I have your account marked disputed pending resolution.Sincerely,Audrey C [redacted] Client Relations Ability Recovery Services, LLC PO Box *** Scranton, PA 18505Phone: ###-###-#### Fax: ###-###-####Email: [redacted]