Business Profile
Collections Agencies
ATG Credit, LLCHeadquarters
Complaints
Customer Complaints Summary
- 74 total complaints in the last 3 years.
- 23 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:09/04/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for the debt with ************************************. I do not have a contract as with ATG credit. They did not provide with original contract as requested. Please correct and remove this error from my consumer report asap.Business Response
Date: 09/16/2024
The enrollment agreement and student ledger card have been mailed directly to the consumer at the address listed on this complaint. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via ******** on our website ******************************Initial Complaint
Date:08/13/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with 12 INTEGRITY PAYMENT SYSTEMS. I do not have a contract with ATG Credit. Neither of these entities has ever attempted to reach out to me. ATG Credit has improperly reported a debt to the three major credit reporting companies without meeting their obligations under the Fair Debt Collection Practices Act.Business Response
Date: 08/22/2024
Attached is the supporting documentation for the outstanding balance with ATG Credit. ATG Credit sent an initial validation notice on 5/17/24 and has tried to contact the consumer by phone but we have not been able to reach the consumer. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comCustomer Answer
Date: 08/27/2024
Complaint: 22137210
I am rejecting this response because: I have tried to collaborate with ATG credit to resolve this issue. The person I spoke with was unwilling to offer a valid solution. I therefore have to conclude any collection efforts by ATG Credit are a fraudulent scheme to ruin my credit for a ****** payment.Sincerely,
*********************Business Response
Date: 08/27/2024
ATG Credit sent the consumer validation of the debt on 8/22/2024 via the first response to the consumer's initial BBB complaint. Prior to today, 8/27/2024, ATG Credit has not received any contact from the consumer requesting information related to this debt. The consumer called ATG Credit today to confirm receipt of the validation documents and acknowledged that he knows what this debt is for. The consumer asked to "Pay to delete" to have this account removed from his credit. The collector advised that ATG Credit does not offer "Pay to delete". ATG Credit will update the account as Paid in Full once the debt is resolved as required by FCRA to report accurate information to the credit bureaus. The consumer asked to settle the debt for $68. He was informed that we can accept payment if he'd like to pay toward his balance, but the remaining balance will be due and we can accept payment arrangements on a monthly basis. The consumer said this hasn't affected his credit that much and he's happy to hang up and move on without paying. This debt is valid and will remain in collections. We are happy to discuss payment arrangements at ************ or via LiveChat on our website, www.atgcredit.com.Initial Complaint
Date:07/18/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with ATG CREDIT LLC, I do not have a contract with them. They also did not provide me with the original contract as requested.Business Response
Date: 07/19/2024
Attached are the itemized bills for services provided to the patient at Naperville Radiologists/ ****** Hospital. ATG Credit has not received any contact from the consumer requesting information related to this debt. The patient notified us that she wasn't working and couldn't make payment. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comInitial Complaint
Date:06/26/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Im not liable for this debt with NAPERVILLE RADIOLOGISTS. I do not have a contract with ATG CREDIT LLC. They did not provide me with the original contract as I requestedBusiness Response
Date: 07/08/2024
Attached is the itemized statement from the original creditor. This itemized statement breaks down the charges for the outstanding balance in our office. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comCustomer Answer
Date: 07/09/2024
Complaint: 21908112
I am rejecting this response because: I currently have a FTC report that is in file and is in dispute.
Sincerely,
****************************Customer Answer
Date: 07/09/2024
Complaint: 21908112
I am rejecting this response because: I currently have a FTC report that is in file and is in dispute.
Sincerely,
****************************Business Response
Date: 07/10/2024
Upon review of the account, the consumer is stating that he is not liable for the debt with Naperville Radiologists, however, ATG Credit has had multiple conversations with the consumer and the consumer has made payment arrangements with ATG Credit to resolve the balance. We have discussed settlement options and other payment options to get this debt resolved, but we're currently accepting a hardship payment plan for $25/month. This is a valid debt, and we're happy to discuss the account with the consumer at ************ or via LiveChat at www.atgcredit.comInitial Complaint
Date:06/01/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have no contract with this company. This needs to be removed from my credit report.Business Response
Date: 06/14/2024
The enrollment agreement and student ledger card have been mailed directly to the consumer at the address listed on this complaint. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comInitial Complaint
Date:05/26/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Dear ATG CREDIT,I am writing to address a serious matter concerning the unauthorized reporting of information to my credit report, as regulated by the Fair Credit Reporting Act (****), particularly under Sections 1681b(a)(2), 1681c(a)(2), and 1681s-2(a), alongside pertinent Ohio **** identity theft fraud laws.It has come to my attention that ATG CREDIT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the ***** unequivocally mandates consumer consent as a prerequisite for such reporting activities under Section 1681b(a)(2). In alignment with federal law, Ohio state law, particularly relevant sections regarding identity theft and fraud, underscores the importance of consumer consent for credit reporting activities.I want to make it unequivocally clear that I have not granted consent for ATG CREDIT to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for federal and state laws. I demand, with absolute certainty, that ATG CREDIT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b(a)(2) of the **** and relevant Ohio **** identity theft fraud laws.Business Response
Date: 06/10/2024
The enrollment agreement and student ledger card have been mailed directly to the consumer at the address listed on this complaint. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comInitial Complaint
Date:04/10/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to file a formal complaint against ATG Credit regarding their deceptive and unlawful practices that have negatively impacted my creditworthiness. I have exhausted all other avenues of communication with ATG Credit without a satisfactory resolution, and I am seeking your assistance in resolving this matter.ATG Credit has alleged that I owe them for four debts, which I have no recollection of entering into any agreement with them. I have serious concerns about the validity of these debts and suspect deceptive practices on the part of ATG Credit. Additionally, I am deeply troubled by how ATG Credit gained access to my personal information without my consent, which constitutes identity theft under 18 USC 1028(a)(7).Furthermore, I have reason to believe that ATG Credit is operating as a credit reporting agency, as defined by 15 USC 1681a(f), and yet they have failed to comply with the obligations outlined in the Fair Credit Reporting Act. I have requested proof of permission for ATG Credit to access and share my personal information, and I have yet to receive a satisfactory response.In light of these concerns, I am invoking my rights under 15 USC 1681b(a)(2) and requesting that ATG Credit delete its tradeline on my consumer report. I have also requested an investigation into my dispute, as required by 15 USC 1681i(a)(1)(a), and have not received any disclosure of the results within the mandated 30-day period.ATG Credit's actions not only violate my rights as a consumer but also have significant implications for my credit score and financial opportunities. I am frustrated with their manipulative debt collection practices and their disregard for the law. It is my intention to report these unlawful actions to the appropriate authorities if ATG Credit fails to comply with my requests and rectify the situation.I kindly request your intervention in this matter and urge you to take appropriate action against ATG Credit. Attached is a copy of the disputeBusiness Response
Date: 04/10/2024
ATG Credit responded to the consumers initial CFPB complaint on 3/11/24 stating the following: "ATG Credit has documented the request to cease and desist communication with the Consumer per this complaint. ATG Credit is compliant with FDCPA and FCRA. The consumer was notified of the debt via mail on 4/14/22 and we have made several attempts to contact the consumer to discuss the debt via phone, but we've been unsuccessful. The consumer has not contacted ATG Credit to dispute the debt prior to this complaint. Attached is the itemization of the 5 accounts outstanding with our office. This is a valid debt. We are happy to discuss payment arrangements via phone at ************ or via LiveChat on our website www.atgcredit.com."
The consumer has been provided with valdiation of the debt owed to the original creditor on 3/11/24 via CFPB response. ATG Credit is responsible to report accurate information to the credit bureaus and is compliant with FCRA as these outstanding accounts have not been resolved and are open. As previously stated, this is a valid debt. We are happy to discuss payment arrangements via phone at ************ or via LiveChat on our website www.atgcredit.com.Initial Complaint
Date:04/06/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm not liable for this debt with ************************************* I do not have a contract with ATG Credit, they have not provided me with an original contract showing that I have business with them.Business Response
Date: 04/22/2024
Attached are the enrollment agreements and student ledger card. These were also mailed directly to the consumer at the address listed on this complaint. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comCustomer Answer
Date: 04/22/2024
Complaint: 21540083
I am rejecting this response because:I don't know where this information was received from but this is not what I see in my student portal. I also don't see where AIU has sold (without my permission) this information to you, nor do I see a binding contract between myself and your company saying that I agreed to do business with you.
Please provide your purchase agreement and legal contract between us. If this information can not be provided, please remove this collection from all of my credit reports. If this information is not provided or the collection is not removed, my legal counsel will be moving forward with my requested lawsuit.
Sincerely,
*******************************Business Response
Date: 05/01/2024
The documents attached to the previous response were obtained from the original creditor. ATG Credit is required to provide validation documentation when a dispute is received and that is what has been provided to the consumer. This is a valid debt and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.comInitial Complaint
Date:03/31/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with RADIOLOGY SUBSPECIALISTS OF NO, I do not have a contract with ATG Credit LLC. they did not provide me with the original contract as i requested.Business Response
Date: 04/12/2024
This is a valid debt. Attached is the supporting documentation from the original creditor including the last 4 statements mailed to the consumer. The consumer has not contacted ATG Credit to request validation information prior to this complaint. We are happy to discuss payment arrangements via phone at ************ or via LiveChat on our website www.atgcredit.com.Initial Complaint
Date:03/27/2024
Type:Order IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with ************************************, I do not have a contract with ATG Credit LLC. They did not provide me with the original contract as I requested.Business Response
Date: 04/08/2024
Attached are the enrollment agreement and student ledger card. These were also mailed directly to the consumer at the address listed on this complaint. ATG Credit has not received any contact from the consumer requesting information related to this debt. The debt is valid and we are happy to discuss payment arrangements at ************ or via LiveChat on our website www.atgcredit.com
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