ATG Credit, LLC

We have reviewed the notes and recordings on this accountWe have spoken with the consumer on more than one occasionThis account is for [redacted] Technical University and we have in fact validated the debt on more than one occasion as wellWe will re-request the documentation from the creditor and resend the information to the consumerIN addition the account has been updated again to show that it is in dispute while we gather documentation and reissue this to the consumer.?

Complaint: [redacted] I am rejecting this response because:? I had already contacted the CRA (Experian) prior to registering the Revdex.com complaint.? The CRA reported back that they contacted your company on this matter and your company refused to remove the derogatory reportingI have since contacted the hospital with hopes that they are willing to help straighten this out Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because:I will not be providing my socialIt obvious some one has been using my socialThis account is not mine and I am requesting verification to prove the account belongs to meAlso this is a medical account that violates HIPPA.? Sincerely, [redacted]

Since this account is in someone else's name according to the complaint there is no way for us to locate the account in question and respondWe would recommend the consumer either contact our offices and ask to speak to a compliance manager or she can dispute these charges through the credit reporting agenciesWe simply cant adequately respond without knowing the account in question.?

Complaint: [redacted] I am rejecting this response because: ATG Credir Collection - Please submit a copy of the bill in collection here to Revdex.com and me! Your have been asked by me to provide me a copy of of the bill you seek collection for - I have never received a bill has your company provided as asked I have answered your ATG credit collection company letters on and July with copies of canceled check for account number [redacted] As your letters notes account number - This is the same [redacted] Auto Parts account number [redacted] amount due $ ATG Credit Collection company your July letter “Now “ lists Creditor as [redacted] one bank NA” amount due $ using my [redacted] Auto Parts customer account number [redacted] According to my records +> Please note: [redacted] Auto Parts at the time was making changes in their Newark Store - [redacted] Auto Parts used [redacted] bank NA as their business bill collector for all their customers - [redacted] Auto Parts made recent changes in their bill mailing person at address [redacted] Carol Stream, IL 60197-to another address PO Box Baltimore MD 21297- I used to mail my [redacted] Auto Parts payment to Carol Stream IL At this time period I also found out from [redacted] Auto Parts that I could make my payments at Newark StoreWhich I did [redacted] bank NA originally placed this bill in ATG Credit LLC collection company – happening about the same time as I made check [redacted] payment in person to [redacted] Auto Parts store Newark NY I immediately went to [redacted] Auto Parts store in Newark NY – where I purchase and paid for my business auto parts I spoke with the manager of [redacted] Auto Parts store – I believe this manager’s name was *** This [redacted] Auto Parts manager confirmed the payment was made directly at their storeThe [redacted] Auto Parts store manager even called the ATG Credit LLC collection company speaking with the ATG Credit LLC collections representative [redacted] *” This was a person phone call to ATG Credit LLC collection company involved the following people: [redacted] Auto Parts store manager – confirmed my payment was made directly to store in person 9/8/ ATG Credit LLC collections representative [redacted] *” My self [redacted] ***During this way phone conversation with the ATG Credit LLC collection representative [redacted] *” - the [redacted] Auto Parts store manager confirmed to this collection agency representative [redacted] *” that my [redacted] Auto Parts account number [redacted] balance of this $was paid in full on 9//8/at the [redacted] Auto Parts Newark store location The ATG Credit LLC collection representative [redacted] *”asked me for a copy of canceled check front and backI obtained the copy of check needed from my bank as requested I mailed a copy of this check same day as ATG credit LLC requested – noted to attention of [redacted] *” Again, ATG Credir Collection - submit at copy of the bill in collection here to Revdex.com and me! Your have been asked by me to provide me a copy of of the bill you seek collection for Your company's quick response may impress Revdex.com - I want to see the actual bill copy your company has put in collections! Sincerely, [redacted] **

Complaint: I am rejecting this response because it can be removed so I wanted it removed? Sincerely, Duane [redacted]

We have reviewed the accountLetters have been issued on this account and emails did in fact go outWe cannot guarantee delivery of mail or emails but they were sentIf the consumer would like to make monthly payments she is welcome to do soShe does not need to do them via phoneShe can pay online or mail them to our offices as wellThe address of the website is WWW.ATGCredit.com and the address for mail is [redacted] ***We would ask that she advise us of the amount and dates that the payments will be madeWe do have arrangements currently in place but would like to verify theseThis will allow us to re-set her arrangements and letters to be issued to herBear in mind if a letter isnt received that does not mean it was not mailedWe do mail arrangement letters automatically through our system so there is no space for human error.? We do not accept in-person meetings so any communication can be made via email to [email protected] or thru the websiteWe are sorry that the consumer felt we were rudeWe do strive to be as service oriented as possible despite the difficulties that we face in our industryIf the consumer has any further questions we would ask her to contact us via email or mailWe have placed a no contact status on the account so that she no longer will receive phone calls from us?

Unfortunately without verification of the identity of the consumer we are legally not allowed to release this informationSo without a way for us to verify the identity of the person requesting information we cannot release this to anyoneHowever bear in mind that this is a medical debt and it would be highly unlikely someone would seek medical attention and provide a bad SSN and also have the same name and an insurance card for the consumerAlso be aware these bills are paid and the insurance also paid a portion of the debtSo these are reporting as paid collectionsIt seems unlikely someone would provide information in the manner described and then pay the debt as wellIf the consumer can provide their SSN we are happy to send out the itemization of the debt to themThis can also be requested from their insurance providerHowever without verification of the identity of the person requesting medical records we cannot supply this information

Complaint: [redacted] I am rejecting this response because:ATG Credit LLC - SEND ME A COPY OF THE BILL I OWE! ? ? ? ? I owe nothing on my [redacted] Auto account [redacted] amount due $ you list this account number as [redacted] Bank NA -- please note [redacted] bank NA was [redacted] Auto bill collector for all their customers.? My account with [redacted] Auto/ [redacted] Bank NA is current and paid in full? Pleaseonce again send me a bill listing date and amount due? ? Sincerely, [redacted] **

? 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 Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: The company keeps talking in circles When I spoke to them originally they kept telling me 'It is illegal to delete the item from the credit report' which is untrue based on the fair credit reporting act I offered to pay the amount not even knowing what it is for just to get this removed from the credit report Sincerely, [redacted]

The complainant would not have a contract with our company as we are the collection agencyWe have a contract with Career Education Corporation for an unpaid bill thru [redacted] Technical University OnlineWe have responded to previous complaints made thru the [redacted] portalWe will request a copy of the consumers signed enrollment agreement and her ledgerthese will be mailed to the consumerIf the consumer has any other questions she can reach us directly at [redacted] We have had no success in our multiple attempts to make verbal contact and we are more than happy to assist her if she would like to contact us

Complaint: [redacted] I am rejecting this response because: I am not asking for an itemize statement, anyone can generate thatI am asking? that you verify the debt you are trying to collect with either a signature or some proof that I am responsible.? I am not aware of this charge and if you can not provide proof then legally it must be removedMy full name is [redacted] ? 6/11/ [redacted] Boilingbrook, IL Sincerely, [redacted]

We understand the consumers frustrationHowever he states he sent us copies of cancelled checksWe simply do not have theseIn fact he stated he sent these initially in 2011, but we didn't receive the account until 6/12/and the last purchase was in 10/2012, so we couldn't have received this informationHowever if we can get this information from the consumer we are happy to bring this to the bank so that they can resolve thisWe want to work with the consumer despite his statements but we do need some documentation showing this was resolvedIt should be possible to get a copy of the cancelled check showing this as resolvedOnce we receive that we will do whatever we can to get the bank to resolve this debt.? ? If the consumer has any other questions he can contact our office at [redacted] and speak to a compliance manager

It is a violation to offer a pay for deletionIn other words to knowingly accept payment in order to remove a valid tradeline would violate the FCRAIn addition it would violate the contracts we have with all the credit reporting agencies wherein we guarantee to report accurate informationAs this is an accurate tradeline we cannot simply delete

While we empathize with the complainant, she did open the loan and agreed to repayment of the debtThe complainant has paid $and her balance is $76,We do not dictate settlement terms those are up to our clientHowever our client would not be able to settle this debt for the amount paidWe are happy to discuss repayment however there are limits to what is acceptable to our clientIf the complainant would like to discuss this account she may call our offices and speak to a member of our management team, but she must be realistic in her expectations for adequate repaymentThere isnt a way to settle the debt for 3% of the overall balanceAgain we must take our clients best interests into consideration on any repayment plan

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 10928651, and find that this resolution is satisfactory to me Sincerely, Heather [redacted] Mad long as I don't have to deal with this rude disrespectful company and this is removed from my credit I am satisfied

? When an account is reported to collections it cannot be removed due to paymentWe do update the account to reflect it is paid or settled in full depending on the resolutionThis account appears to be settled in fullAt no time was the complainant informed we would remove this from credit

? Complaint: [redacted] I am rejecting this response because:We are running around in circlesI need a statement so that I can mail in my paymentAnd even though the business states they are mailing me statements, I am not receiving them which leads me to believe that this statement is falseBirthday cards make it to me from out of state, my bills make it to me which come from inside the city (even though sometimes we wish they wouldn't) but the one business I'm complaining about can't seem to provide a mailed statementThese statements usually have the account number on them, along with the remaining balanceThis ensures that both parties records are correct and that my payment is indeed getting processed to the right accountHere I even go a step further by making sure the account number is on my check and that the check number is on the statementNo mistakes madeIf there is anything on my credit report that I am refusing to pay, that will be considered informationI have offered three solutions; email my statements, snail mail my statements, or have me personally come in and make the paymentNone of the options are inappropriate requestsIt's what I've required from all debts that I have owned in the past and paid offNo other company has ever given me such a struggleNo one has had an issue to send statementsThey want their moneyIt's an easy fixI would accept a current statement via emailIf Elliott wants to call to let me know he is sending it, and to confirm that I did receive it, I'd be happy to take the time out of my day to thatBut I will not, will not make a payment without a statementThat's not asking too muchAnd it's not refusing to payIt's being a wise consumer.? Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/13) */ This is a bill for services provided to [redacted] on 10/17/at [redacted] Medical AssociatesWe do not show a different patient The account number, patient info,date of service, and provider are all different from what is referenced in this complaint We have never spoken to the complainantThis could probably have been resolved earlier if the complainant simply called our officesOur number is XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) As requested, I called the number provided and spoke to a representative over a recorded lineThere are inconsistencies around what I received from the provider vs what is in ATG recordsIt was communicated to me that account/event I am referring to is different from what ATG Credit hasAlso, the address referred to by ATG is different unit number in the same building At this point, my contention is that I did not receive communication around the amount in question and what is reported to credit agenciesAs the amount is small and inconsequential, it would have been paid on requestTo reiterate again, I do not take my credit lightly and have never missed a payment in years nor do have a collection reported apart from this one Based on input from ATG Credit representative, I have paid the amount today under ATG Credit reference number XXXXXX Could you please provide documentation on the communication sent to me regarding this account to prove that I was indeed contacted(which I am refuting) or implement the original resolution requested where the incorrect entry is removed from my credit reports Final Business Response / [redacted] (4000, 9, 2015/08/17) */ Typically we cannot remove a valid debt from the credit reportHowever as a courtesy and since the consumer claims he was not notified we will remove this as a courtesy Final Consumer Response / [redacted] (2000, 11, 2015/08/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) I agree with the resolution proposed by ATG and appreciate the courtesy extended given the fact I was not notified I have checked all my three credit reports and entry has been removed from [redacted] and [redacted] However, [redacted] is marked as updated because account is showing as closedHowever, it is not removed Could you please re-verify update sent to [redacted] I expect the issue to be resolved given my experience on the phone and with ATG representative hereAs a result, I am marking this issue as "resolution accepted"