ATG Credit, LLC

Complaint: ***
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,
*** ***

The complainant has spoken to us about this debtSo we assumed she was aware of the creditorIn this case the creditor is *** *** ***Due to our prior calls we have confirmed the balance with the original creditorThey have re-affirmed the debt as being valid? The complainant can contact us again if she would like at 800-969-4523? ? Thank you

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 have reviewed the accountThe reason that we cannot discuss the account with the complainant any longer is that she indicated she was recording our calls without our permissionThat being said the account has already been returned to the original creditor and the account has been requested to
be deleted from the credit bureau as we are returning it? If there are further questions or concerns the complainant may call our offices at 800-969-and speak to Eliot ***.?

This is the first communication we have received from the consumerWe have placed the account in a dispute status and will request the Ledger and the enrollment agreement by mailed to the consumer for their review.?

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
The agreement between myself and the business:? Removal of collection from reportLetter stating debt is paidLetter stating debt has been removed from report
Sincerely,
*** ***

We have reviewed all attempted calls to the consumer and all the notes associated with the accountThe consumer stated that we in used inappropriate language when speaking to him including swearing at himWe record all phone calls and at no time did anyone use inappropriate language this is simply
factually untrueIn addition we placed the account on hold when receiving the initial disputeWe then contacted our client to seek clarification on the debtOur client has decided to close the account and resolve the issue internallyWe have subsequently closed the account and requested it be removed from all Credit Reporting AgenciesThe account is currently closed and has been returned to the original creditor per their request.?

Complaint:
I am rejecting this response because: I have no clue why this company is harassing me and my familyAnd yes they has give out my personal information because they called and harassed my mother about whatever it is they are claiming! They do not ask what your personal information they just say hey is your address *** whatever stAll I had to say was sureEven when asked my social number I said sure if you want it to beIf I was a hacker I could steal the identity of whoever they could be calling forTelling us we HAVE to pay them and we HAVE to listen to them! They are very demanding and the moment you disagree with they become very angry and rude! I have NEVER received any paper work from this company and I do get mail dailyI just want this company to leave me and my family aloneThey call and harasse me, my spouse and my parents.?
Sincerely,
Ashlee ***

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 *** Technical University OnlineWe have responded to previous complaints made thru the *** portalWe will request a copy
of the consumers signed enrollment agreement and her ledgerthese will be mailed to the consumer.? If the consumer has any other questions she can reach us directly at ***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: ***
I am rejecting this response:this is the first time the company has said I am able to
dispute and yet to respond to complaint against employee other than *** ***I was ? told by company no dispute processTold by company no complaint formFiled complaint against *** ***Requested to speak to supervisor about employee complaintComplaint answered by *** *** against *** ***Requesting employee complaint form and requedt d from s by mail.?
Sincerely,
*** ***

?
Complaint: ***
I am rejecting this response because: I do not have a signed contract with ATG
Sincerely,
*** ***?

We have reviewed the account*** *** was not the collector for *** auto they are the lenderNo monies were borrowed directly from the merchantThis was a private label account.? ? We are simply closing and returning the account to the creditor to pursueWe are closing this on our system and deleting from creditHowever to be clear that does not mean the debt is not owedThe debt is being returned to the original creditor to pursue as they see fitWe no longer hold the account and any further correspondence should be directed to the creditor

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,
*** ***

Initial Business Response /* (1000, 5, 2014/07/21) */
We are happy to remove the phone number we are calling in error. We have no interest in calling the wrong party. However the complainant did not include the number in his complaint so we cannot remove this without that number.
If the...

consumer will supply the number we will immediately remove it.
He may also call our offices and ask to speak to [redacted] at XXX-XXX-XXXX.

We have reviewed all calls and recordings. The complainant was previously set up on a hardship arrangement. These arrangements were conditional upon the her honoring the payments she agreed to. However her payments have been repeatedly returned. She spoke with a manager yesterday and was...

advised that we could no longer honor these payments.  
The debt does incur interest as it is a loan. The original balance was 14,484.20 she has paid 75.00 and accrued 674.35 in interest. The current balance is 15083.54
 
We are happy to send documentation that would detail the loan. This information will be requested today from the creditor and mailed to the consumer. However after reviewing the recordings this is the first time this information has been requested despite the statement in the complaint. 
 
In addition, after review of the recordings we can confirm that at no time was any information shared with a 3rd party nor did anyone ever refer to the consumer as a "loser". The statements made by the consumer in this complaint are false.

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

We believe the consumer is misunderstanding our response. When we say we are removing from credit that does mean that it will be "completely erased". This was requested to be done on 10/30/15...

and the credit recipient agencies should have already processed this request. If the tradeline is still appearing the consumer should contact the Credit Reporting Agency to dispute and can contact our offices to receive an AUD# verifying the removal.

Initial Business Response /* (1000, 5, 2014/08/07) */
We received notification from the debtor of the bankruptcy 5-6-2014. We requested removal from the credit report at that time. This account is not open in our system and removal was requested.
Any future dispute regarding the tradeline...

should be directed to the credit reporting agency that is reporting data incorrectly.
Initial Consumer Rebuttal /* (3000, 7, 2014/08/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The burden to notify and keep accurate with the credit bureaus is ATG. If ATG indicates that they have removed the tradeline, I ask that ATG then also send me written confirmation of such, so that I may dispute the inaccurate information with each bureau (with the letter from ATG as my proof).
Final Business Response /* (4000, 9, 2014/08/08) */
Under the Fair Credit Reporting Act it is our responsibility to provide accurate data to the credit reporting agencies. We did do that. It is false to claim we are responsible for the CRA's maintenance of their databases or their reporting. You may print the response to this complaint and present to the CRAs in a dispute. However that is not necessary in order to dispute erroneous reporting.
We, as a further courtesy will provide the AUD Control number which is proof that we have submitted this for removal. The # is XXXXXXXX.
We consider this matter completely resolved at this point.

Initial Business Response /* (1000, 5, 2014/03/07) */
We have removed this number from our system. We will need to check with our dialer service to determine why the complainant was unable to connect to a representative.
We apologize for any inconvenience and have removed this #. If any...

future calls occur she may call XXX-XXX-XXXX and ask to speak to [redacted].
Final Consumer Response /* (2000, 7, 2014/03/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)

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]