Debt collection
Ability Recovery Services: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 113
- Closed with money back
- 1%
- 2023 to 2025
- 39 to 38
Servicemembers filed 6.9% of Ability Recovery Services's 1,630 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count held roughly steady: 39 in 2023 and 38 in 2025.
What the complaints are about
By product
| Debt collection | 87 |
| Credit reporting or other personal consumer reports | 16 |
| Credit reporting, credit repair services, or other personal consumer reports | 9 |
| Debt or credit management | 1 |
By issue
| Attempts to collect debt not owed | 47 |
| Written notification about debt | 20 |
| False statements or representation | 14 |
| Incorrect information on your report | 9 |
| Improper use of your report | 7 |
| 2023: 39 | 2024: 36 | 2025: 38 |
Which accounts, specifically
| Medical debt | 55 |
| Credit reporting | 25 |
| I do not know | 19 |
| Other debt | 8 |
| Private student loan debt | 4 |
What went wrong, specifically
| Debt is not yours | 23 |
| Attempted to collect wrong amount | 14 |
| Debt was paid | 12 |
| Didn't receive notice of right to dispute | 12 |
| Debt was result of identity theft | 11 |
Busiest month: April 2024, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from TX (21), FL (10), NY (8) , then MS, SC, AL.
How Ability Recovery Services answered
| Closed with explanation | 112 | 99% |
| Closed with monetary relief | 1 | 1% |
Ability Recovery Services responded within the CFPB's 15-day window on 96% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (113). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Written notification about debt. NM, 2024-09-02. Outcome: Closed with explanation. Complaint 9995318
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Credit reporting or other personal consumer reports; Incorrect information on your report. AZ, 2024-08-18. Outcome: Closed with explanation. Complaint 9838637
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Debt or credit management; Confusing or missing disclosures. TX, 2024-08-14. Outcome: Closed with explanation. Complaint 9799789
If this is your problem at Ability Recovery Services
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Absolute Resolutions 115 servicemember complaints; 0% with money back
- Collection Management 118 servicemember complaints; 0% with money back
- Central Portfolio Control 108 servicemember complaints; 0% with money back
- Security Credit Services 106 servicemember complaints; 0% with money back
- Credit Corp Solutions 121 servicemember complaints; 0% with money back
Next in the directory by volume: First National Bank Of Omaha, Keycorp, Mercedes Benz Financial Services.
Frequently asked questions
How many complaints did servicemembers file against Ability Recovery Services?
113 complaints tagged servicemember were received by the CFPB about Ability Recovery Services, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count held roughly steady: 39 in 2023 and 38 in 2025.
What do servicemembers complain about most at Ability Recovery Services?
Debt collection accounts for 87 of the 113 complaints, and the most common issue is "Attempts to collect debt not owed" (47). Next: "Written notification about debt" (20).
Does Ability Recovery Services give money back when a servicemember complains?
1% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 0 closed with non-monetary relief and 112 closed with an explanation only. Ability Recovery Services answered 96% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.