ATG Credit, LLC (ATG) is a third-party collection agency based in Illinois. ATG has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If ATG has contacted you about past due collection items,make sure know your rights before you respond.
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Is ATG Credit a scam?
They’re legit. According to the Better Business Bureau (BBB), ATG Credit, LLC was founded and incorporated in 2000. The BBB established a profile page for ATG in 2003, and ATG has been a BBB-accredited business since 2012. The BBB lists ATGas a collection agency. Buzzfile estimates ATG’s annual revenue at $1 million and the size of its headquarters staff at 13 employees.
According to its website, ATG “can handle… receivables from start to finish” and “pride themselves on being a seamless extension of” their clients’ organizations. ATG “has the capability to handle all…recovery needs…and have approached the goal of becoming the best in the industry by acquiring the very best tools… and…maintaining the best staff the industry has to offer.”
Who does ATG Credit collect for?
ATG Credit collects delinquent debts for a variety of businesses and industries, including healthcare providers such as hospitals, billing services, and physicians’ offices; financial services companies, including credit card lenders, installment loan providers, and auto lenders; education lenders; and special clients such as utility service providers, municipal government agencies, and insurance companies. ATG also collects commercial business-to-business debt.
ATG Credit offers a range of collection services. Their core competency is contingency collections, including primary, secondary, tertiary, and warehoused delinquencies. Collection services include customized client reports and credit bureau reporting. ATG’s early-out programs include first- or third-party calls made on clients’ behalf; back office support; payment monitoring; dispute and insurance resolution; cure programs; and extended business office projects. ATG offers litigation support for hard-to-collect accounts using their “national network of litigation attorneys.” ATG also accepts special projects to help clients redesign procedures.
ATG cites compliance with the latest in security technology. They also cite a strict hiring process using “the industry’s most extensive screening process on every potential new hire, from clerical staff to executive.” Their training program includes compliance with regulatory laws such as the FDCPA, the FCRA, HIPAA, and GLB. They also promise newly hired staff unlimited earning potential. Their online payment portal includes web-based contact forms to dispute bills, but their website does not include a consumer resources page with links and references to consumer protection laws and enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against ATG Credit?
As of April 2019, the BBB has closed 48 complaints against ATG Credit LLC in the past 3 years, with 12 complaints closed in the previous 12 months. The majority of those complaints alleged problems with billing and collections.Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 89 complaints involving ATG. Justia lists at least6 cases of civil litigation involving ATG.
ATG Credit, LLC 1700 West Cortland St., Ste. 201 Chicago, IL 60622 Telephone: (800) 969-4523 Website: https://atgcredit.com/
Can ATG Credit Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ATG would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Complaints against ATG Credit cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In February 2019, a complainant stated that ATG had reported inaccurate information to the credit reporting agencies and had failed to verify any of the debts. According to the complainant,he received “an email alert from a credit reporting agency that his score had changed.” He checked his credit reports and saw “derogatory remarks on his account from a collections agency called ATG, which caused an almost 20-point drop in his credit score.” The complainant stated that he had “never heard of ATG before, …nor had he ever received any correspondence or communication of any form from them.” He also stated that he had no “notice of any debt owed and had no idea what this item pertains to…or what the claimed amount owed is.” The complainant stated that his “ credit report… says he has a balance of $4,276, with the highest balance at $2,787, which makes no sense to” him.His credit report also stated that he delinquent account was opened in September2018. However, he “usually checks his credit at least once a month and receives regular email notifications of changes to his score and last week was the first time this appeared on his credit report.” He insisted that “between last September and now, he had no communications from ATG regarding a debt owed…and that reporting the alleged debt to the credit reporting agencies and significantly damaging his credit was the first notification.” He requested “copies of all correspondence mailed…with proof of mailing,” and if “calls were made, … a call log…with identification of the number called and the dialing number,…so he can cross-reference it with his phone bill.” The complainant said he had “no idea what the underlying debt was …and was never provided with notification of the debt or an itemization/accounting of the debt, which is illegal under the FDCPA and Tennessee’s Consumer Protection Act.”
In response, ATG stated they had “previously responded to this complaint,” and that the “account is currently in a dispute status.” ATG insisted that they “did issue notification to the consumer.” The letter “was not returned and they… also made numerous attempts to reach the consumer via phone.” ATG said they were “waiting on documentation from the creditor” and had “verbally verified the balance,” but were waiting to “issue written proof to the address on file.” The complainant rejected the attempted resolution, insisting he had never received any “correspondence or phone calls or voice messages.” Although he had “asked for a copy of the letter that was allegedly mailed to” him, ATG had failed to provide a copy. As for his request for verification that they called his phone number, “the only response he had received from ATG is vague statements saying they mailed a letter and left messages with no actual proof of their doing so.” In its rebuttal, ATG stated that “the letters in question are automatically issued,” which “does not require human intervention and is completely automated.” They also insisted that they had “made a total of 14 calls,” none “of which were…responded to.”
Press Releases of Lawsuits Brought On By Lemberg Law ATG Credit LLC
December 30, 2015. Lemberg Law’s client says that ATG Credit called him to collect a supposed debt. He says that he told ATG Credit to stop calling him or else he would get the assistance of an attorney. Instead of politely following our client’s request, he claims that the ATG Credit employee he talked to said that ATG Credit didn’t “give a f***” what our client did.
People have different feelings about curse words. Some people use them often, while others never do. As an adult, you get to make those choices for yourself. However, we all know that there are times when foul language is never appropriate. One of those times is when you are a debt collector trying to collect a debt. In fact, not only is it improper to curse in that situation, it is also illegal.
Lemberg Law has recently filed suit on behalf of our client in U.S. District Court, Northern District of Georgia, charging ATG Credit with violating the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using profane and abusive language; by causing our client’s phone to ring repeatedly and engaging him in conversation with the intent to annoy and harass him; and by using unfair and unconscionable means to collect a debt. It also charges ATG Credit with violating the Georgia Fair Business Practices Act. It asks for statutory damages of $1,000 for violating the FDCPA, plus other relief.
ATG Credit Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue ATG for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“Thank you for your help in bringing this case to an amicable close. You were fast, effective, and so professional. The last time I needed to have a lawyer for a civil issue, it wasn’t a pleasant experience, so I enjoyed you! I will certainly refer your name if I be requested.”
The Lemberg company and everyone we dealt with were true professionals. Michael and I’m very pleased at the final outcome of all our cases. The settlements we received were honest and the activities against the agencies to stop the harassment were swift.”
Can You Help Me Delete ATG Credit from My Credit Report?
Odds are, we can help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
I have made arrangements to pay ATG a set amount per month, which I have been doing so. My last payment was last month, but yet they just sent me over to collections which I do not understand why considering I’ve been making my payment arrangements. I am extremely annoyed as I take my credit seriously and work hard to keep it in order. This has severely set me back
I injured my right elbow at AutoZone, they said I should go to the Doctor. I saw the Dr two times, then they denied it. I was billed $740, got an attorney, she settled for $940. By then ATG had it. Gallagher Bassett did not pay the medical bill. I’ve sent them paperwork showing the settlement, but it does no good. It has really damaged my credit.
I also have been contacted by this ATG place!!! What do I need to do to see if I have a case?
ATG has been fraudulently placing a debt collection on my credit preventing me from taking a Grad Plus student loan. The alleged debt was paid to my school CTU before graduation. CTU alleges that they told ATG that this debt was paid in full and was not supposed to go to collections. They recently added this on to my credit again this year. I would like to file a Tort case against ATG.