CFPB · Single-product concentration
Ability Recovery Services, LLC
4.1K CFPB complaints · 80.6% in "Debt collection" · top issue Attempts to collect debt not owed.
Ability Recovery Services, LLC: 80.6% of 4.1K CFPB complaints sit in "Debt collection". Timely 97.9% · relief 0.5%. Allegations, not findings.
- Volume rank #131 of 342
- Single-product concentration
- +12557.1% filings 2013 to 2026
CFPB relief outcome brief
CCDB company ability-recovery-services-llc
0.5% relief · 97.9% timely · 4.1K filings · Debt collection
Same-product relief peers
Nearest relief peer: Enova International, Inc. (0.5% relief)
Ability Recovery Services, LLC closes 0.5% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 4.1K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Ability Recovery Services, LLC complaint mix by product
- Debt collection 3K 80.7% – 1% relief
- Credit reporting 473 11.6% – 1% relief
- Credit reporting, 289 7.1% – 1% relief
- Student loan 15 0.4% – 0% relief
- Debt or 6 0.1% – 0% relief
- Credit reporting 4 0.1% – 0% relief
- Credit card 3 0.1% – 0% relief
How Ability Recovery Services, LLC's 4.1K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 3.3K |
| Credit reporting or other personal consumer reports | 473 |
| Credit reporting, credit repair services, or other personal consumer reports | 289 |
| Student loan | 15 |
| Debt or credit management | 6 |
| Credit reporting | 4 |
| Credit card | 3 |
| Credit card or prepaid card | 2 |
| Consumer Loan | 1 |
| Money transfer, virtual currency, or money service | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for Ability Recovery Services, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 18.1% of this company's filings
Ability Recovery Services, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 886
- +12557.1% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 740 |
| FL | 620 |
| GA | 417 |
| LA | 208 |
| NC | 165 |
| PA | 153 |
| SC | 126 |
| IL | 120 |
| OH | 117 |
| NY | 117 |
| AL | 111 |
| CA | 110 |
| TN | 107 |
| MS | 87 |
| VA | 86 |
| MD | 82 |
| AZ | 77 |
| MI | 65 |
| NJ | 57 |
| AR | 54 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 1.5K |
| Written notification about debt | 662 |
| Incorrect information on your report | 377 |
| Took or threatened to take negative or legal action | 373 |
| False statements or representation | 333 |
| Improper use of your report | 195 |
| Communication tactics | 156 |
| Cont'd attempts collect debt not owed | 118 |
| Problem with a company's investigation into an existing problem | 117 |
| Problem with a credit reporting company's investigation into an existing problem | 67 |
| Disclosure verification of debt | 52 |
| Threatened to contact someone or share information improperly | 26 |
| Improper contact or sharing of info | 17 |
| Credit monitoring or identity theft protection services | 9 |
| Electronic communications | 7 |
| Dealing with my lender or servicer | 7 |
| Taking/threatening an illegal action | 6 |
| Incorrect information on credit report | 4 |
| Unauthorized withdrawals or charges | 2 |
| Confusing or missing disclosures | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 7 | 100% |
| 2014 | 45 | 100% |
| 2015 | 46 | 97.8% |
| 2016 | 80 | 96.3% |
| 2017 | 193 | 100% |
| 2018 | 282 | 100% |
| 2019 | 227 | 100% |
| 2020 | 207 | 100% |
| 2021 | 243 | 100% |
| 2022 | 244 | 97.5% |
| 2023 | 359 | 98.6% |
| 2024 | 545 | 98% |
| 2025 | 726 | 98.3% |
| 2026 | 886 | 94.7% |
Source: CFPB Consumer Complaint Database
Ability Recovery Services, LLC filings cluster in one product
Ability Recovery Services, LLC's 4,090 logged complaints reach a nationwide footprint - 52 states have at least one filing. Only 38.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-25.
Ability Recovery Services, LLC answers 97.9% of complaints inside the CFPB's tracked window and closes 98.9% with a written explanation. 0.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Ability Recovery Services, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Ability Recovery Services, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 4.1K.
- HCFS Healthcare Financial Services of TeamHealth Δ 20 complaints · 0% relief 4.1Kcomplaints
- First National Bank of Omaha Δ 22 complaints · 21.6% relief 4.1Kcomplaints
- Commonwealth Financial Systems, Inc. Δ 45 complaints · 0.1% relief 4.1Kcomplaints
- Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) Δ 62 complaints · 0.3% relief 4.0Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Ability Recovery Services, LLC (#131 of 342; 97.9% timely; 0.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration