ATG Credit, LLC

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 2011 and July 2013 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 $ 934.38. ATG Credit Collection company your July 2013 letter  “Now “ lists Creditor as [redacted] one bank NA” amount due $ 934.38  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 60197-5219 to another address PO Box 17698 Baltimore MD 21297-1698.  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 Store. Which 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 14513 – 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 [redacted].   This [redacted] Auto Parts manager confirmed the payment was made directly at their store. The [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 3 person phone call to ATG Credit LLC collection company involved the following people:1.      [redacted] Auto Parts store manager – confirmed my payment was made directly to store in person 9/8/112.      ATG Credit LLC collections representative [redacted]”.  3.      My self [redacted]During this 3 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 $934.38 was paid in full on 9//8/11 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 back. I 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]

Numerous attempts were made to the consumer prior to reporting by ourselves and our client. However due to the small balance and as a courtesy we are removing this from credit.

We have reviewed the account and the recorded conversations that took place. The representative that spoke to the consumer was not rude and did advise of the bill on 4/6/2016. This conversation took place prior to the account being reported to the credit reporting agencies. Had the consumer...

resolved the debt at that time this account would not have been reported. Since the account was not resolved in a timely manner it was reported to credit after 90 days from the initial conversation. The debt is still outstanding and includes two accounts both for the same provider. The account is also still outstanding the balance remaining is 70.25. We cannot simply remove from credit. The FCRA does not allow us to do this when the consumer was properly notified and didnt resolve the debt.  
We are sorry the consumer is not happy with the results however after an exhaustive review we have determined that our representative acted professionally and appropriately.

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.

While we empathize with the complainant, she did open the loan and agreed to repayment of the debt. The complainant has paid $2850.00 and her balance is $76,664.87. We do not dictate settlement terms those are up to our client. However our client would not be able to settle this debt for the...

amount paid. We are happy to discuss repayment however there are limits to what is acceptable to our client. If 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 repayment. There isnt a way to settle the debt for 3% of the overall balance. Again we must take our clients best interests into consideration on any repayment plan.

The consumer is asking to pay to remove from her credit. We are not able to do this. We have to remain in compliance with the FCRA which specifically prohibits this practice. If the account is paid in full that will be reflected on her credit report, but we simply are not allowed to have her pay...

to remove from credit.

We have reviewed the notes and recordings on this account. We have never spoken to the consumer nor have we received any documentation claiming "Identity Theft".  If the consumer has such documents he can submit them to us via Mail at ATG Credit [redacted] or he may email...

them to [redacted] He can also use the online portal at WWW.ATGCredit.com to submit this. We also accept faxes at [redacted]. Please bear in mind this is a medical account not a loan so that it would be exceedingly difficult for this to fall under the purview of identity theft. However that being the case, we will reach out to our client and request the validating documentation and submit these to the consumer at the address listed in the complaint.

Complaint: 11134575
I am rejecting this response because it can be removed so I wanted it removed 
Sincerely,
Duane [redacted]

A notice was issued to the complainant on 12-17-2015. We have reviewed all the calls made to the complainant. At no time did we disclose information to any third parties. If the complainant wants a copy of her ledger card or any other information regarding her outstanding debt she can contact our...

offices at 800-969-4523. We are happy to send this information at the complainants request.

Typically we do not send out recorded calls to protect the privacy rights of our employees. In this case we were able to secure permission from the representative to send this recording. As you will hear in the recording the representative made it clear that we update the credit report with the new status of paid in full. She specifically stated that the account will not be removed as we cannot do this. If there is a valid dispute that is handled by the credit reporting agencies. We 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

Complaint: 11124574
I am rejecting this response because: I was told t would be removed. Please provide me with the recorded calls from this first of Jan 2016. 
Sincerely,
Jayna [redacted]

Complaint: [redacted]
I am rejecting this response because:
This debt was not paid to your organization, no itemized lists were provided upon asking, debt was not validated as per the request of the customer, refusal to discuss debt, refusal to contact customer or accept calls from customer violates the FDCPA Act under inability to validate debt, original creditor, and lack of written verification of debt upon dispute of the report.
The collection report under the credit bureaus is falsely reported under these circumstances. Please move forward with removing this report, as the balance was not paid in full to your organization.
Sincerely,
[redacted]

The account has already been placed in a no contact status. However we have to reiterate we never released any information to any third parties and the debt is valid. We will not attempt to call the complainant any longer but the debt is still outstanding at this time.

The account is closed. Regardless of whether it is paid any future issues should be brought with the original creditor. The account has been closed and will be removed from credit.

It is a violation of the laws and regulations that govern our business to have a debtor "Pay to delete" an item from their credit report. Since this is a valid debt and unpaid we must report that information accurately to the reporting agencies. If the account is paid we will reflect the account as...

paid but under the Fair Credit Reporting Act we are prohibited from removing a valid tradeline due to payment of the debt.

We have reviewed the account. The consumer advised us on 11/8/17 that he disputed the debt and never received or ordered the product in question. We placed the account on hold and issued a fraud packet to the consumer to respond. We did receive a response that he wanted validation and was not...

claiming fraud. We placed the account on hold again and have requested the validation documents from our client. We have not reported this account to the consumers credit and we have not continued to make calls. The account has been on hold since our first contact with the consumer on 11/8/17.

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]

Initial Business Response /* (1000, 5, 2014/02/13) */
We have reviewed the recorded calls and the transcripts of the account. The complainant was advised of our client's ability to settle her defaulted account. The representative in question made an error calculating the amount our client...

would reduce her balance by. This was realized immediately and prior to confirming the settlement arrangement the complainant was advised of this and given the actual settlement offer that we are authorized to accept. We do not determine discount rates these are contractually authorized amounts. We also are the servicer for the original creditor we do not own the debt. Therefore we are unable to make any adjustments to these amounts.
In regard to the claims of mistreatment we have thoroughly reviewed all of the calls referred to in this complaint. At no time were any of the representatives rude or unprofessional, We record all calls and this fact was disclosed to the complainant at the time of the call.
Final Consumer Response /* (3000, 7, 2014/02/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is crazy to say that at no time was a representative rude or unprofessional. I guess it is perfectly professional to yell at the customer and call them names? When I was a manager in a call center, if I would have had an agent speak with a customer like that they would have fired immediately. There was no cause for rudeness. I didn't cuss at him or call him names. And FYI ARGUING Credit has an awesome reputation for these thing all you have to do is Google them and you can read the reviews that other people have written about the rudeness of the people who work there. The only person I talked to that was not rude at any point was [redacted]
Final Business Response /* (4000, 9, 2014/02/17) */
All of the calls were recorded and they were reviewed by our complaint management team. To reiterate at no time was anyone unprofessional, rude, nor did anyone yell or even raise their voice with the debtor.
The account is now settled and we consider this matter closed.

We have reviewed the account and all of the notes and recordings. We have only spoken to the complainant once. This call occurred on 11/23/2015. He advised that he felt the GI Bill should have covered this bill. We advised him that it did not and this balance is still outstanding. He...

hung up on the rep when he was advised of this. We will send him another ledger card that will detail the charges that is still outstanding.

Initial Business Response /* (1000, 5, 2014/06/05) */
We have reviewed the account. A notice stipulating these accounts were settled was last issued on 06/02/2014. This letter should be received by the debtor and it should also show that these accounts are now settled in full. This letter...

was issued to the same address provided to the Revdex.com.
We report account updates to the credit reporting agencies. This account has had that occur on 5/8/2014. If that is not reflecting on the credit report the debtor can submit a dispute to the credit reporting agencies on their website. We would then confirm the disputes validity. Unfortunately we don't control the reporting agencies but are happy to assist if they are not reporting accurate data.
Initial Consumer Rebuttal /* (3000, 7, 2014/06/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have not provided information about the original creditor or verify the chain of lenders that the status passed through to verify that this debt is or was indeed legitimate