ATG Credit, LLC

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.
The agreement between myself and the business: 
1. Removal of collection from report
2. Letter stating debt is paid
3. Letter stating debt has been removed from report
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.
I just want to clarify that...

this entry will be removed from all of the credit bureaus that is reporting this.
Sincerely,
[redacted]

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, 2015/06/15) */
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 complainant would not have a contract with our company as we are the collection agency. We have a contract with Career Education Corporation for an unpaid bill thru [redacted] Technical University Online. We have responded to previous complaints made thru the [redacted] portal. We will request a copy...

of the consumers signed enrollment agreement and her ledger. these will be mailed to the consumer. If 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.

We have reviewed the account. We updated the account to the credit reporting agencies on 04/05/2016. The tradeline would not be removed but it does reflect as paid in full though. We are restricted by the FCRA and therefore cannot simply remove the tradeline. We hope that helps to clarify. We did...

review all the calls and there was no time where a representative indicated we would remove the tradeline.

Initial Business Response /* (1000, 5, 2014/06/10) */
We have reviewed the file and the call recordings. Our reporting on credit is an automated process. We do not nor can we report due to someone paying directly to our client. In fact, we are very good with paying the client directly. This...

does not affect us in anyway. Therefore even if our system was not automated we would have no interest in reporting someone due to them paying a client directly. So this assertion is completely false.
The account was reported at our clients request and in compliance with the FCRA. We explained in the call that we cannot remove as we must follow the proper regulations. The only way to remove from credit would be if the original creditor has asked us to do this.
We have reached out to the original creditor and have been able to get them to agree to remove as a courtesy. The account has been removed and the AUD#[redacted]. We take no position on validity and are doing this as a courtesy.

Due to the address issue we have requested this tradeline be removed from the patient's credit report

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]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this first step toward resolution is satisfactory to me. Request Business to provide proof of assignment from [redacted] by law they must do so.
Sincerely,
[redacted]

We understand the consumers frustration. However he states he sent us copies of cancelled checks. We simply do not have these. In fact he stated he sent these initially in 2011, but we didn't receive the account until 6/12/2013 and the last purchase was in 10/2012, so we couldn't have received this information. However if we can get this information from the consumer we are happy to bring this to the bank so that they can resolve this. We want to work with the consumer despite his statements but we do need some documentation showing this was resolved. It should be possible to get a copy of the cancelled check showing this as resolved. Once 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.

Initial Business Response /* (1000, 5, 2014/07/31) */
We have reviewed the call and the notes on the account. There were no violations within the call, however we have reviewed the call with representative.
In regard to the credit reporting we reviewed all previous calls on the account....

At no time was it stated that we would "remove from the credit". We cannot promise that due to the requirements of the Fair Credit Reporting Act. We are required to report as paid in full. This has been done and the complainant was informed of this on 5-13-2014. Any other disputes regarding credit reporting must be handled via the Credit Reporting Agencies.
We are notating the other account as "Disputed" at this time. We will gather the appropriate documents from the creditor on the other account and issue these to the complainant. So that she may review them and determine what she would like to do.
If the complainant would like to contact us again she will want to speak directly to the manager who is handling her account. His name is [redacted] P. He will be happy to help her with any issues she may have.
Initial Consumer Rebuttal /* (3000, 7, 2014/07/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There was obviously a miscommunication on my behalf in regards to the account I was originally requesting about. And when I did call about them removing the account off my credit report, I did not give the representative any information at that time only asked the question and hung up. Therefore you would not have that recording in your records. However, the recording you are speaking of on May 13, 2014 is correct, that the account would be reported as paid in full.
In regards to the additional matter, I can not accept the response that there were no violations on the call.
The representative was indeed in violation of the following:
2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader
He was abusiveness in that he belittled me when he said 'o you are talking about a $20 account when you owe my client almost $5000. O really'
5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
He repeatedly harassed me about a debt after I told him that I was not calling about that and harassed me by yelling and annoying me about this matter repeatedly throughout the conversation.
(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer
He stated that he would continue to call me on a phone number I told him was not mine which meant he intended to use deceptive means to communicate this matter to someone else
Final Business Response /* (4000, 9, 2014/08/07) */
We have again reviewed the complaint and the claims made within it. In regards to the claim that someone told the consumer we would remove a negative trade-line from her credit if she paid an account we reiterate that is false. We record every call that is made into and out of our offices. Regardless of how long the call is or when the call takes place.
In regard to the call with the representative [redacted], we stand by our original statement that there was no violation during that call.
We are sorry that the consumer is unhappy about the call and we have discussed the call with the representative in question to improve his ability to handle upset consumers in the future.
In regard to the unpaid account we are in the process of obtaining documentation to validate the debt from the original creditor. Once that documentation is received it will be forwarded to the consumer for her review. In the meantime that account is on hold.

We have reissued a notice to the consumer regarding the outstanding debt. He can always feel free to call us at [redacted] with any further questions

Initial Business Response /* (1000, 5, 2014/06/10) */
We have reviewed the file. This is a medical bill that was for [redacted] Due to the fact that this is a medical bill we are unable to share specific services or diagnosis over the phone without written authorization.
The...

consumer is free to contact our offices and provide a release so that we can send out an itemization of the services and charges generated.
The account # that can be used to access the file is XXXXXXX
Initial Consumer Rebuttal /* (3000, 7, 2014/06/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No proof of charges was provided showing they are billing the correct person.
No explanation of the charges were provided.
An internet search of [redacted] provided NO such company.
There is no evidence that these charges are accurate.
Final Business Response /* (4000, 9, 2014/06/11) */
The proper name of the facility is [redacted] This will show up in any internet search.
They provided healthcare related services. As far as the specific services received we would need a written release to provide them to the consumer as we are regulated by the HIPAA and the privacy act. Once we receive the release we will be happy to forward the itemization of the charges.

Initial Business Response /* (1000, 5, 2015/09/22) */
We have requested the documentation the consumer is requesting. We have placed the account on hold pending the documentation being sent to the consumer.
However we reserve our right to not allow our calls to be recorded without our...

permission.

Complaint: [redacted]
I am rejecting this response because:We are running around in circles. I need a statement so that I can mail in my payment. And even though the business states they are mailing me statements, I am not receiving them which leads me to believe that this statement is false. Birthday 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 statement. These statements usually have the account number on them, along with the remaining balance. This ensures that both parties records are correct and that my payment is indeed getting processed to the right account. Here I even go a step further by making sure the account number is on my check and that the check number is on the statement. No mistakes made. If there is anything on my credit report that I am refusing to pay, that will be considered false information. I have offered three solutions; email my statements, snail mail my statements, or have me personally come in and make the payment. None of the options are inappropriate requests. It's what I've required from all debts that I have owned in the past and paid off. No other company has ever given me such a struggle. No one has had an issue to send statements. They want their money. It's an easy fix. I would accept a current statement via email. If 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 that. But I will not, will not make a payment without a statement. That's not asking too much. And it's not refusing to pay. It's being a wise consumer. 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I have never received anything validating this debt, so if you claimed you sent anything I will be waiting for it In the mail, and when you spoke with me or you claim to do so on a recorded line, you were told this was not my debt so again send validation since you claimed to do so from the beginning.
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2014/03/03) */
We have already placed this account on hold in a dispute status. We have also requested the documentation from the School that is owed for this debt. When this information is received it will be issued to the debtor for his review....


The account is currently on hold pending the validation paperwork from our client.
Final Consumer Response /* (4200, 11, 2014/03/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
To date, no documentation has been received.
Final Business Response /* (4000, 13, 2014/03/13) */
The account is still on hold and we have removed from credit pending the documentation. As soon as the documents are received they will be sent to the complainant or uploaded to the Revdex.com for review by the complainant.
To clarify again the account is on a hold status on no action is taking place while we wait on the documents.
Consumer Response /* (3001, 19, 2014/03/27) */
I have received the documentation from this company. After reviewing the documentation, I do not consider this documentation sufficient. I therefore demand that under the Fair Debt Collection Practices Act, this company cease and desist all communication with me regarding this matter.
Business Response /* (1001, 22, 2014/03/27) */
We will not make any more contact other than mailing the documents via certified mail to the consumer. As these have already been mailed to confirm the balance. If there is documentation that the consumer feels would validate this beyond what we have sent we can do this. We are unaware of any additional information that would be needed in order to validate this in the view of the consumer. Typically a signed application and itemization would suffice.

Unfortunately without verification of the identity of the consumer we are legally not allowed to release this information. So without a way for us to verify the identity of the person requesting information we cannot release this to anyone. However 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 consumer. Also be aware these bills are paid and the insurance also paid a portion of the debt. So these are reporting as paid collections. It seems unlikely someone would provide false 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 them. This can also be requested from their insurance provider. However without verification of the identity of the person requesting medical records we cannot supply this information.

We were able to confirm the payment was made directly to our client. The balance is reflected as paid in full. The account is now resolved.