ATG Credit, LLC

We have made the same response several timesWe cannot delete this account as it is validWe can reflect as paid in full once it is paid in fullHowever due to the fact that this is a valid debt we cannot accept payment to simply delete

Maybe there is some confusionThe consumer can definitively mail payments to usThey do not need to be made over the phone or onlineWe have provided the address in our responseWe simply do not take in person payments but mailed in payments are completely acceptable.? In regards to the letters we did in fact mail them.? ? To reiterate payments can can be mailed to? ATG Credit** *** ***
*** ** ***? we hope that clarifies any confusion that the consumer has.?

Complaint:
I am rejecting this response because: They need to tell me who contracted them? How did they get my information??
Sincerely,
Marcella ***

We have reviewed the account in questionThe bill in question is in fact for a product purchased through QVCThe product ordered was a "Shark Rocket Professional Lightweight Vacuum" The purchase was made on 5/15/2014/ The consumer made payments until 9/18/and then went delinquentWe will
place the account on hold and contact our client to determine how else they would like to validate the debtWe have not reported this to the credit reporting agencies however that is not the indicator to determine if an account is in collectionsThis account is in fact in collections and we have been tasked to collect the debtWe will forward any documentation to the borrower once it is recvd by the clientIn the meantime theaccount will be placed on hold?

We have updated the phone numbers on the account to reflect the correct informationAll calls to alternate numbers will stopWe have also replied to an email the consumer sent us giving her our hours of operations and options with how to contact us.?

The arrangements made on this account were set up by the consumer in 11/Each month payments were debitedBear in mind the arrangements were made on a recorded line and we have confirmed the validity of these arrangementsIn addition to the call where the consumer set up the payments we
issued notices monthly to remind of the deductionThese payments are for a defaulted medical debt.?

Unfortunately the consumer is not communicating factual informationShe has spoken to us and did so on a recorded lineDuring that call she confirmed her identity including her *** *** ***We have requested all the documentation as we stated in the prior response and the information is going to be sent to the consumerHowever we need to reiterate the information provided by the consumer is not factualWe have communicated with her via a recorded call and via letterWe will again issue this validation information to the consumer again

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
*** ***

We are not allowed to disclose anything on an answering machine including the Mini MirandaWe only leave name and numberThis is to avoid any claims of third party disclosure and the policy is in compliance with the CFPB requirements.? We have noted the complaint.? ?

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

We have reviewed the accountWe have a different number on file then the number provided in the complaintDespite the different number we were able to find the account in questionWe have made a total of phone call to this individualThe phone call was placed at 11:46am CDTWe have never
called any other time> The number provided in the complaint never was in our system and was never called by usIts possible the complainant is mistaking us for a different company? Again never called the number provided and only called the account one time and it was at 11:46AM.? ? Please advise if there are further questions.?

Typically we do not send out recorded calls to protect the privacy rights of our employeesIn this case we were able to secure permission from the representative to send this recordingAs you will hear in the recording the representative made it clear that we update the credit report with the new status of paid in fullShe specifically stated that the account will not be removed as we cannot do thisIf there is a valid dispute that is handled by the credit reporting agenciesWe will reiterate that we cannot simply delete due to payment on a valid account.? Hopefully this recording will resolve any question about what the representative said ? ?

This account has already been closed and returned to our clientThe account was submitted for deletion from the credit report on 10/4/If this is still reporting in days the consumer should contact our offices and speak to a manager
***

The dispute was submitted via the *** program through the credit reporting agenciesWe responded that the charge was valid therefore it is still reportingDue to this new complaint we will now send a copy of the Enrollment Agreement and the Itemization of the charges for the consumerThese
will be mailed to *** Durango Court Fayetteville, NC *** if the consumer has any other questions we are happy to attempt to assist.?

This account was already removed from the consumers creditThe AUD Control number verifying this is ***

Initial Business Response /* (1000, 5, 2015/08/13) */
This is a bill for services provided to *** on 10/17/at *** 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 /* (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 /* (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 /* (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*** and *** However,*** is marked as updated because account is showing as closedHowever, it is not removed
Could you please re-verify update sent to***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"

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Complaint: ***
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 ***? As your letters notes account number - This is the same *** Auto Parts account number *** amount due $ 934.38.? ATG Credit Collection company your July letter ? “Now “ lists Creditor as *** one bank NA” amount due $ 934.38? using my *** Auto Parts customer account number ***.? ? ? ? According to my records +> Please note: *** Auto Parts at the time was making changes in their Newark Store - *** Auto Parts used *** *** bank NA as their business bill collector for all their customers - *** Auto Parts made recent changes in their bill mailing person at address ** *** *** Carol Stream, IL 60197-to another address PO Box Baltimore MD 21297-1698.? I used to mail my *** Auto Parts payment to Carol Stream IL At this time period I also found out from *** Auto Parts that I could make my payments at Newark StoreWhich I did.? ? ? *** *** *** bank NA originally placed this bill in ATG Credit LLC collection company ??" happening about the same time as I made check * *** payment in person to *** Auto Parts store Newark NY? I immediately went to *** Auto Parts store in Newark NY ??" where I purchase and paid for my business auto parts.? I spoke with the manager of *** Auto Parts store ??" I believe this manager’s name was ***.? ? This *** Auto Parts manager confirmed the payment was made directly at their storeThe *** Auto Parts store manager even called the ATG Credit LLC collection company speaking with the ATG Credit LLC collections representative *** *”.? This was a person phone call to ATG Credit LLC collection company involved the following people:1.? ? ? ? ? *** Auto Parts store manager ??" confirmed my payment was made directly to store in person 9/8/112.? ? ? ? ? ATG Credit LLC collections representative *** *”.? 3.? ? ? ? ? My self *** * *** ***During this way phone conversation with the ATG Credit LLC collection representative *** *” ? - the *** Auto Parts store manager confirmed to this collection agency representative *** *”? that my *** Auto Parts account number *** balance of this $was paid in full on 9//8/at the *** Auto Parts Newark store location.? ? ? ? The ATG Credit LLC collection representative *** *”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? ? *** *”.? ? ? 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,
*** *** **

The information provided by the consumer is not adequate in order for us to access his accountWe need a SSN or Account number in order to adequately identify the accountHowever based on the complaint and request we would not be able to simply return the account to the original creditor and
remove from creditThe information provided by the consumer indicates this claim dates back to and therefore we would not be able to process his request.?

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 well.? If 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.?