ATG Credit, LLC

We have reviewed the accountWe updated the account to the credit reporting agencies on 04/05/The tradeline would not be removed but it does reflect as paid in full thoughWe are restricted by the FCRA and therefore cannot simply remove the tradelineWe hope that helps to clarifyWe did review all the calls and there was no time where a representative indicated we would remove the tradeline.?

We have reviewed the accountThe consumer advised us on 11/8/that he disputed the debt and never received or ordered the product in questionWe placed the account on hold and issued a fraud packet to the consumer to respondWe did receive a response that he wanted validation and was not claiming fraudWe placed the account on hold again and have requested the validation documents from our clientWe have not reported this account to the consumers credit and we have not continued to make callsThe account has been on hold since our first contact with the consumer on 11/8/

Initial Business Response / [redacted] (1000, 5, 2014/09/05) */ We have reviewed the account and all call recordingsThere has been no prior dispute or request for validation on recordHowever we will process this complaint as a formal dispute The account is for [redacted] through ** [redacted] We will remove from the credit report pending the validation of the debtIf the complainant has further questions he can call our offices toll free at XXX-XXX-XXXX The AUD Control Number which confirms the removal of the account from the Credit Reports is XXXXXXXX

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

Initial Business Response / [redacted] (1000, 5, 2014/02/06) */ We are not "preying" on anyone This account was placed in our office for purchases made through [redacted] BrandsThis is a remaining balance on an account that was opened by the debtor and had a remaining balance at the end of the contractThe debtor should be aware of this debt as she made payments in the past to the original creditor, our clientWe do not own the debt we are simply servicing the debt We have confirmed this debt is valid through our clientBut if there is a specific dispute or specific questions regarding the debt we are happy to address thoseWe 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/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 / [redacted] (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 transactionI have requested this information on other occasions and have yet to receive itThere is no point telling me to contact [redacted] as they cannot be reached in regard to this as ATG is well awareWhy not just provide a valid order for the product and proof that it was shipped and received by meMake a good faith effort instead of contacting people for products that were supposedly purchased years agoI question why so many people have had the exact same experienceSomething is rotten in the State of [redacted] in spite of all of ATG's clever rhetoric Final Business Response / [redacted] (4000, 13, 2014/02/17) */ Due to the balance size and age we are simply closing the account and returning to the clientThis closure occurred prior to the latest complaint response We are not taking any position on the validity of the accountWe are returning simply due to balance size and ageAny questions regarding the product purchased must be directed to the original creditorWe do not own the account and were simply the servicer Consumer Response / [redacted] (2000, 19, 2014/02/24) */ The consumer indicated ONLINE that the business responded to this complaint to his/her satisfactionHe/she also stated: Thank you for you responseThe debt has been removed from my credit reportIt is interesting, however, that I still did not receive any type of documentation that the debt was owed in the first place

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]

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

We believe the consumer is misunderstanding our responseWhen 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/and the credit recipient agencies should have already processed this requestIf 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 / [redacted] (1000, 5, 2014/02/13) */ We have reviewed the recorded calls and the transcripts of the accountThe complainant was advised of our client's ability to settle her defaulted accountThe representative in question made an error calculating the amount our client would reduce her balance byThis 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 acceptWe do not determine discount rates these are contractually authorized amountsWe also are the servicer for the original creditor we do not own the debtTherefore 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 complaintAt 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 / [redacted] (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 unprofessionalI 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 immediatelyThere was no cause for rudenessI didn't cuss at him or call him namesAnd 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 thereThe only person I talked to that was not rude at any point was [redacted] Final Business Response / [redacted] (4000, 9, 2014/02/17) */ All of the calls were recorded and they were reviewed by our complaint management teamTo 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

Initial Business Response / [redacted] (1000, 5, 2014/06/05) */ We have reviewed the accountA notice stipulating these accounts were settled was last issued on 06/02/This letter should be received by the debtor and it should also show that these accounts are now settled in fullThis letter was issued to the same address provided to the Revdex.com We report account updates to the credit reporting agenciesThis account has had that occur on 5/8/If that is not reflecting on the credit report the debtor can submit a dispute to the credit reporting agencies on their websiteWe would then confirm the disputes validityUnfortunately we don't control the reporting agencies but are happy to assist if they are not reporting accurate data Initial Consumer Rebuttal / [redacted] (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

The dispute was submitted via the [redacted] 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 [redacted] Durango Court Fayetteville, NC [redacted] if the consumer has any other questions we are happy to attempt to assist.?

Unfortunately we cannot guarantee we make phone contact with every consumer.However we did send two letters to the consumerIn addition the original provider sent notices to the consumer advising of the outstanding balanceWe cannot simply remove from credit due to her claim she never received the two lettersThis would be a violation of the FCRAWe have to follow the policies and procedures of the FCRA when reporting to the CRA's

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

Complaint: [redacted] I am rejecting this response because: As stated before, I never agreed to do business with this organizationI never signed any paperwork for this organizationI have NO contract with this businessIf alleged debt does belong to me then I will handle my business with the original creditor not whatever this business isI demand they remove themselves from ALL of my credit reports including but not limited to [redacted] Sincerely, [redacted]

We have reviewed the account and all of the notes and recordingsWe have only spoken to the complainant onceThis call occurred on 11/23/He advised that he felt the GI Bill should have covered this billWe advised him that it did not and this balance is still outstandingHe hung up on the rep when he was advised of thisWe will send him another ledger card that will detail the charges that is still outstanding

The consumer is asking to pay to remove from her creditWe are not able to do thisWe have to remain in compliance with the FCRA which specifically prohibits this practiceIf 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

Initial Business Response / [redacted] (1000, 5, 2014/11/19) */ The only name associated with the account in question is the same as the complainantIt also shows the same address as the complainantSo it appears this is not a wrong party callWe are attempting to call [redacted] at the number and address above the last 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 / [redacted] (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 meThey asked for a different personAs you already know, they are not a reputable business and are lying to you Final Consumer Response / [redacted] (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 YEARSI've informed them of this fact DOZENS of times and yet the nasty calls keep comingThey are lying to you and, like many other bogus companies, they don't care about your opinion Final Business Response / [redacted] (4000, 13, 2014/11/24) */ Again we have already removed the number from our system no more calls will occur

This account has already been closedIt was closed on 6/10/and returned to the clientAt the same time we requested removal from the consumers credit reportThe AUD Control number is [redacted] This number is confirmation that we requested deletionWe no longer hold the account and have completely removed from credit

We have reviewed the account [redacted] was not the collector for [redacted] 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

This account was already removed from the consumers creditThe AUD Control number verifying this is [redacted]