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.
- 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 →
Response Quality Score
Ability Recovery Services, LLC scores strongest on closed with explanation (98/100 percentile-benchmarked) and weakest on relief provided (2/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
2 / 100 percentile-benchmarked
0.5% of complaints closed with relief to the consumer
Timely response
96 / 100 percentile-benchmarked
97.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
98 / 100 percentile-benchmarked
98.9% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Ability Recovery Services, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Ability Recovery Services, LLC files more complaint volume than 62% of them, and closes complaints with relief more often than 32% of them, placing it in the quadrant for high volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 4,090 · Closed with relief: 0.5%
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