CFPB Consumer Complaint Profile
Ability Recovery Services, LLC
Behind the 3,591 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 3,591
- Total complaints
- Among the highest
- 917
- Last 12 months
- 98.1%
- Timely response
- Below median
- 52
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Ability Recovery Services, LLC sits at #135, with 3,591 complaints logged. On-time replies land at 98.1%, the 48th percentile for the 100+ complaint peer group.
- #135
- of 3,843 companies by volume
- 98.1%
- on time (48th pctile)
- Debt collection
- most-complained product
- 52
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Ability Recovery Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.1% Around the middle higher than 48% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 545 in 2024 to 726 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 7 |
| 2014 | 45 |
| 2015 | 46 |
| 2016 | 80 |
| 2017 | 193 |
| 2018 | 282 |
| 2019 | 227 |
| 2020 | 207 |
| 2021 | 243 |
| 2022 | 244 |
| 2023 | 359 |
| 2024 | 545 |
| 2025 | 726 |
| 2026year in progress | 387 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ability Recovery Services, LLC
The CFPB Consumer Complaint Database has logged 3,591 complaints against Ability Recovery Services, LLC overall, with 917 of those filed in the trailing 12 months. Reports have come from consumers in 52 states and territories, making this a nationwide complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Ability Recovery Services, LLC posts a 98.1% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 32.1% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0.6% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Ability Recovery Services, LLC have?
Ability Recovery Services, LLC has 3,591 total consumer complaints filed with the CFPB, with 917 filed in the last 12 months.
Does Ability Recovery Services, LLC respond to complaints on time?
Ability Recovery Services, LLC has a 98.1% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Ability Recovery Services, LLC?
Among all products tied to Ability Recovery Services, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Ability Recovery Services, LLC?
The most common issue reported by consumers about Ability Recovery Services, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Ability Recovery Services, LLC?
You can file a complaint against Ability Recovery Services, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Ability Recovery Services, LLC?
The CFPB has recorded complaints against Ability Recovery Services, LLC from 52 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Ability Recovery Services, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (3,591 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (32.1% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.