ATG Credit, LLC

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.

Due to the age and balance size of the account we are simply closing the account and will remove from credit.

We have reviewed the account in question and would like to clarify a few points. 1.) We have not purchased his debt. We are simply servicing the debt for [redacted] Bank2.) We have not called the consumer every day 3.) We have not received feedback from the consumer that he wouldnt be able to pay anything...

until he is discharged until now. 4.) We record all calls and notations in our system and we have repeatedly advised the consumer of this. 5.) We are allowed to call consumers between the hours of 8am and 9pm and have never deviated from those times. 6.) We will stop any further calls to the consumer since he has requested to have no calls from us.7.) We will follow up with the co-debtor from this point forward as he is equally responsible for the defaulted loan and has requested us to follow up with him as he is responsible for the debt.   If the consumer has any other concerns he may contact us at any time.

Initial Business Response /* (1000, 5, 2015/09/02) */
There are several accounts that have had payments set up on them for the consumer. This current account she is referring to is for [redacted] and has a remaining balance of 1399.28. We will remove her payment information on these accounts,...

however these payments were authorized.
If the consumer would like to re-establish payment arrangements she will need to contact us at [redacted]
Just to reiterate there is a balance remaining of 1399.28 but we are removing her payment information so if she wants to re-establish arrangements she will need to contact us.
Initial Consumer Rebuttal /* (3000, 7, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They always issued me monthly statements reflecting payments with balances and the same account number. The last statement was for the amount of less than $60. Now they are stating I have an outstanding balance of almost $1400.00 yet the refuse to provide me with any detail statements showing what this "new" balance and supposed "new" act. I gave authorization for withdrawals on the old acts. Never was I informed of this new one yet its coincidental it arise as I just paid of the debt. I do not authorized no withdrawal from ATG in any future accounts
Final Business Response /* (4000, 9, 2015/09/04) */
We do in fact have authorization on file for the previous payments.
We are happy to provide details as well but due to the HIPAA and privacy requirements we would need a patient authorization form signed. We would suggest the consumer contact our offices directly as there seems to be some confusion as to these charges. We are happy to assist our number is XXX-XXX-XXXX and she may ask to speak to a manager

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]

Initial Business Response /* (1000, 5, 2015/06/15) */
Notification was issued 7/11/14 the account was not reported to credit until 10/14. We also attempted several phone calls prior to reporting to credit. We have reviewed the recordings on the call at no time did we state the account would be...

removed from credit if paid. We are allowed to reflect the paid status once it is paid but the FCRA prohibits us from promising to remove from credit upon payment. The account is being reported accurately as paid in full.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The first representative that I spoke with (female) specifically said that I would have to contact the credit bureau to have the entry removed from my file, which I did indeed do. However the entry was not removed. In addition I have not received any notice regarding the supposed debt nor did I receive any phone calls. I have only one phone number and have access to review my incoming call records. I advised the representative that the first time that I saw the information was on my credit report. As I mentioned as well, I have medical insurance and pay all my payments at the time of service so there should not have been any amount owed to anyone. If you in fact have the ability to report negative information on my credit report I ask that you furnish me with a copy of the billing for services received and your right to report said debt.
Final Business Response /* (4000, 9, 2015/06/29) */
As previously stated notification was in fact made. It was also made by the original creditor. In addition we have reviewed the recorded calls. At no time was the complainant told that we would remove from her credit. We did direct her to where to go in the case that she wanted to dispute this charge on her credit, but we never indicated that it would be removed. We are required to comply with the FCRA in regard to our credit reporting. This account is valid and is paid in full. It is being reported as paid in full as well. We have verified this through the CRA's. We will mail another copy of the itemization to the complainant per her request.

The consumer would not have a contract with ATG Credit because we are a collection agency attempting to collect a debt from her. Obviously she would not need nor have a contract with us. Our customer, the creditor, has a contract with us. The contract she signed was with the creditor who we work for and a copy of that contract would be mailed to her.

The dispute was submitted via the [redacted] program through the credit reporting agencies. We responded that the charge was valid therefore it is still reporting. Due to this new complaint we will now send a copy of the Enrollment Agreement and the Itemization of the charges for the consumer. These...

will be mailed to [redacted] Durango Court Fayetteville, NC [redacted] if the consumer has any other questions we are happy to attempt to assist.

Initial Business Response /* (1000, 5, 2014/07/16) */
The account is on hold pending our furnishing of the documents from the school validating the debt in question.
The charges do appear to be valid based on our research however the consumer will have an opportunity to discuss after...

receiving the documentation from the school.
Since the consumer has requested no calls we cannot follow up or call her so she will need to call us to discuss after she has had an opportunity to review the paper work.
She can call our offices at XXX-XXX-XXXX and ask to speak to a manager.

Initial Business Response /* (1000, 5, 2015/05/01) */
The phone number listed in the complaint was removed from our system on 4/30/15. We apologize for any inconvenience and no further calls will occur.
Initial Consumer Rebuttal /* (2000, 7, 2015/05/10) */
(The consumer...

indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/08/13) */
This is a bill for services provided to [redacted] on 10/17/2012 at [redacted] Medical Associates. We 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 complainant. This could probably have been resolved earlier if the complainant simply called our offices. Our 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 line. There are inconsistencies around what I received from the provider vs what is in ATG records. It was communicated to me that account/event I am referring to is different from what ATG Credit has. Also, 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 agencies. As the amount is small and inconsequential, it would have been paid on request. To reiterate again, I do not take my credit lightly and have never missed a payment in 15 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 report. However 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[redacted] and [redacted] However,[redacted] is marked as updated because account is showing as closed. However, 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 here. As a result, I am marking this issue as "resolution accepted".

Initial Business Response /* (1000, 8, 2015/02/24) */
We have reviewed the call and the notes on the account.
This account was placed in a dispute status at the time of the call/ In fact the account has been returned to our client.
We are sorry the consumer felt that the...

representative was not helpful, however as stated above the account has been closed and no further calls will take place on this account.

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

Complaint: 11078493
I am rejecting this response because: They need to tell me who contracted them.  How did they get my information? 
Sincerely,
Marcella [redacted]

The documents have been mailed. We are re-mailing them certified to the address on this complaint.

Initial Business Response /* (1000, 5, 2014/11/19) */
The only name associated with the account in question is the same as the complainant. It also shows the same address as the complainant. So it appears this is not a wrong party call. We are attempting to call [redacted] at the number and...

address above the last 4 digits of the ssn are [redacted] as well.
We will remove the number and cease calling it per the request of the consumer however it appears we are attempting to contact the correct person.
Initial Consumer Rebuttal /* (3000, 7, 2014/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When they called they did NOT ask for me. They asked for a different person. As you already know, they are not a reputable business and are lying to you.
Final Consumer Response /* (4200, 11, 2014/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The harassing phone calls made last week were for [redacted], who hasn't lived here in over TEN YEARS. I've informed them of this fact DOZENS of times and yet the nasty calls keep coming. They are lying to you and, like many other bogus companies, they don't care about your opinion.
Final Business Response /* (4000, 13, 2014/11/24) */
Again we have already removed the number from our system no more calls will occur.

When an account is paid after going to collections it will reflect as Paid in Full on the credit report. In this case as a courtesy we will remove the...

tradeline. This is an exception but due to the small balance we are willing to do this.  
The request will be made today but the update may take approximately 30 days to reflect on the credit report. We do not control this as we are transmitting the removal today.

Complaint: [redacted]
I am rejecting this response because: I do not have a signed contract with ATG .
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2014/08/04) */
This is an account with [redacted] for [redacted] house. The account was charged off in 10-07.
Due to the age and balance size we are returning the account to the original creditor.
We take no position on validity and are simply...

closing the account.

Initial Business Response /* (1000, 5, 2014/02/06) */
We are not "preying" on anyone This account was placed in our office for purchases made through [redacted] Brands. This is a remaining balance on an account that was opened by the debtor and had a remaining balance at the end of the...

contract. The debtor should be aware of this debt as she made payments in the past to the original creditor, our client. We do not own the debt we are simply servicing the debt.
We have confirmed this debt is valid through our client. But if there is a specific dispute or specific questions regarding the debt we are happy to address those. We just need the debtor to tell us what information she needs from us in order to resolve this.
We have also reviewed the call that the debtor made to our office on 08/20/2013. She did speak to a rep named [redacted] At no time did anyone refer to to the debtor as a liar nor were they rude.
If there is any information the debtor needs in order to resolve this we are more than happy to provide that to her.
Final Consumer Response /* (4200, 11, 2014/02/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again, I would like ATG to provide me with documentation of exactly what I am supposed to have purchased and all the details pertaining to the transaction. I have requested this information on other occasions and have yet to receive it. There is no point telling me to contact [redacted] as they cannot be reached in regard to this as ATG is well aware. Why not just provide a valid order for the product and proof that it was shipped and received by me. Make a good faith effort instead of contacting people for products that were supposedly purchased years ago. I question why so many people have had the exact same experience. Something is rotten in the State of [redacted] in spite of all of ATG's clever rhetoric.
Final Business Response /* (4000, 13, 2014/02/17) */
Due to the balance size and age we are simply closing the account and returning to the client. This closure occurred prior to the latest complaint response.
We are not taking any position on the validity of the account. We are returning simply due to balance size and age. Any questions regarding the product purchased must be directed to the original creditor. We do not own the account and were simply the servicer.
Consumer Response /* (2000, 19, 2014/02/24) */
The consumer indicated ONLINE that the business responded to this complaint to his/her satisfaction. He/she also stated:
Thank you for you response. The debt has been removed from my credit report. It is interesting, however, that I still did not receive any type of documentation that the debt was owed in the first place.