ATG Credit
reviews and complaints

I am 68 years of age on severely ill. I receive Medicare. BB&T Bank over 10 years ago and an auto dealer in Logan WV falsely signed papers showing I cosigned for my grandson's vehicle he financed. I did not sign and after years of aggravation from PNC I worked with them to settle the amount for a sum of $4,500. That is all I had and had to borrow. My Grandson was laid off from the mines and every attempt was made to keep the car but the bank took it to auction without notifying anyone. My Grandson had just received enough to repurchase but legally was notified. Instead, I gave the $4,500 to PNC Bank collectors to resolve.Now,this company is constantly calling day and night and weekends aggravating me to death. I have no more money and on social security. I have no more money to give and can barely purchase my meds. They are making me ill and this should have been settled.

On January 15, 2022, I realized I had accounts in collections that I was not aware of when I pulled my credit reports. I contacted the company and was informed of the balances owed from 2016 & 2017 totaling about $180 for radiology services in which I had not received a billing statement from the provider of services or the collection agency attempting to collect a debt. As previously stated, I received no communication from this collection agency regarding the debt reporting in their office and my credit report. Additionally, I received no phone calls regarding the aforementioned debt. Based on these facts, I requested a letter of deletion be sent to the credit bureau and the agent informed me that they would only send a letter that the debt was paid in full, which will allow the record of creditor account to remain on my credit record for years. I'd like a letter of deletion and the accounts removed from my credit report.

I did not receive any communication from this agency prior to it being placed on my credit report which is now affecting my ability to obtain a lower mortgage rate due to miscommunication caused by ATG 3 years ago. Letters were not sent to my address, emails were not sent, phone/voicemails never received. I had no idea this bill was in collections until it was placed on my credit report 3 years later. I spoke with a woman who represented ATG credit and she said that even if I paid off the debt to get it removed from my credit score they will not provide a deletion letter. Even if I pay off this debt, there is no guarantee from ATG credit that it will be removed from my credit score just that they will send information to the 3 credit bureaus to say I paid the credit. I am very disappointed with the conversation I had today and by looking at all of the complaints on the Complaintsboard.coms website, it looks as if ATG credit does this with a lot of people.

I received a bill from ATG Credit, LLC on 2/10 in the amount of $576.25.. They state they received my account with True Health Diagnostics (THD) in 11. ATG claims I had an unpaid balance with THD which was sold in bankruptcy. ATG bought that supposed debt and are requesting I pay the above stated amount. I do not owe this balance. I did receive a bill from THD in the amount of $636.25. However, I settled that debt with them and paid a negotiated balance of $60.00. I sent them a check for this amount on 9/20 and that check was cashed on 9/30. I never received another bill from them as my account was paid in full. I have a zero balance with THD. Where has this supposed bill been for the last 18 months? Why didn't I have additional bills or past due/collections from THD if I had an outstanding balance? I have disputed the charges with ATG, but they claim I owe them $576.25 after numerous emails/explanations and providing them with proof of my payment.

I received a call from ATG Credit about a month ago stating that I had an outstanding balance being collected from True Health Diagnostics (who went bankrupt). I didn't have any recollection of ever going to THD for anything and asked the rep from ATG what it was from. He said that it was a health *** from 2019. I said well, I don't recall and that I needed more information. I tried calling THD, but their numbers online at the time were invalid numbers. Today 8/26 I received a DETAILED description of ALL the bloodwork I had done. I did NOT authorize the release of ANY of my medical information to ATG. This is a HIPAA violation. I tried calling the number for THD *** but it's not a valid number for them. So, I called ATG to see where they received my permission to my detailed medical information. Asked *** to speak to a supervisor and was placed on hold, then hung up on. This is a HIPAA violation! The *** they sent me doesn't even make sense either!

On November 9th, ATG Credit filed a collection account in the amount of $3,401.00 from Integrity Payment Systems on my personal credit bureau. I contacted ATG Credit and asked why they filed collection account on my personal credit bureau and the only information they had it was that it was from Integrity Payment System and they had no other information. ATG Credit told me that they would mail me the information. I do not know how they came out with that amount and I did not sign a "Personal Guaranty Agreement" with Integrity Payment Systems for them to make liable for business debt. Since November , I have contacted ATG Credit NINE times, they can not provide me copies of any documents and my credit report was affected. ATG Credit is violating the FAIR CREDIT REPORTING ACT by reporting collections without having and verifying facts and having supporting documents, ATG Credit is practicing UNFAIR, FRAUDULENT AND DECEPTIVE credit practices. Please REMOVE collection.

ATG Credit LLC has added a collection account to my credit profile. The 3 Bureau's alerted me of this issue. I immediately reached out to ATG by phone. The representatives are very rude, they get annoyed at you asking questions that they cannot answer. They also try to intimidate and coerce you into saying that you owe the debt. Before putting me into collections, they never reached out by mail. I immediately sent ATG a validation of debt letter on 6/25 with tracking *** 04 my dispute was received and ignored. They have yet to make any contact with me by mail or phone. By law a debt collector has 30 days to respond to a consumer dispute. ATG has violated my rights by reporting false and misleading information on my credit profile which is affecting my personal life greatly. I've made multiple calls to the company with no progress. I am constantly transferred then being told that I'll receive a call back which never happens. I need some help getting this fixed.

I realized on 11/20 that I had an account in collections on my credit score that I was not aware of.I contacted the company via chat & was informed that I had 2 open accounts totaling $230 for ultrasounds I received while pregnant in early 2020.I have received no communication from this collection agency that I was able to recognize as an attempt to collect a debt. The agent informed me that they had sent a letter in January if 2021, and nothing by mail since then. At that time I do not have memory or receiving a letter & would have paid the debt immediately had I gotten one. I have also gotten no voicemails indicating the attempt to collect a debt. They very well may have called, but I did nit answer, as I receive spam calls regularly.Based on these facts, I requested a letter of deletion be sent to Equifax etc. the agent informed me that they would only send a letter that the debt was paid in full, which will allow the record of creditor account to remain on my credit record for years.I want a letter of deletion.

Sent a letter in the wrong name, for a bill never received before, not assisting with dispute, not following the laws. Call the office where the supposed bill originated from. They confirmed many confused calls just like ours. We've been told ATG's client, that we supposedly owe, claimed bankruptcy in the same year this bill in question is dated. Through very little research, we see that ATG has a history of at least one previous attempt to collect (for this exact client) for money not actually owed - dated same year. We requested a copy of the "invoice" and it arrived with an "invoice date" of 02/02, meaning they never had a copy of the debt prior to contacting us. ATG claims to have confirmed this bill as not part of the bankruptcy but will not provide any information as to how they confirmed that. They care very little for the fact that we are trying to resolve and learn. Finally, on ATG's website there is a place you go to look up the account to see documentation. The account number and debt they claim "cannot be found". A disorganized mess that leaves people vulnerable to credit damage due to their own lack of response and accountability.

I received a bill from ATG Credit saying I owed a creditor, True Health Diagnostics $264.33. This company is no longer in business. I requested a copy of the bill that I am told I owe. I have not been able to receive a copy of the bill to verify that this charge is legitimate. Any open accounts receivable item during a bankruptcy can be sent to a collection company (ATG) to reduce their liability. ATG buys these accounts at bankruptcies to make money, whether or not they have been paid by the time they receive the debt. I have never been to True Health Diagnostics, and they are not in business where I live, so without a bill I cannot believe anything. I received the collections notice dated 1/27, and have made many, many requests for the bill with no result. I have requested it by phone, asked for it to be mailed or emailed and no timeline of availability for the bill will be provided by ATG. I have called them every few weeks since receiving the notice. They are purposefully vague, and will not tell me what they will do if they do not get a copy of the bill. I called my doctor's office and they ASKED ME for a copy of the bill to verify its validity!

In 2017, while working for my company, following orders from a supervisor to assist with cleaning a flooded basement that turned out to be from a broken sewage line, and lacking proper protective equipment, I developed a rash on my hands 24 hours after being in contact with raw sewage. I reported it, as is required, and was taken to the contracted workers compensation medical provider. This incident resulted in a workers compensation lawsuit that was eventually settled two years later. In that settlement, the workers compensation medical provider was to have been paid by my former company. I was contacted by ATG Credit, LLC in 2018 and all correspondence was forwarded to my workers compensation attorney. It wasn't until last week, during a credit report pull for my mortgage provider, that it appeared the collections remained on my report as unpaid. I contacted my attorney this morning, 1/24/2022, who advised that I pay it just to be safe and that he would look into whether or not it was paid pursuant to the settlement. He advised me to explain my situation to the representative at ATG Credit and ask that they remove the account as a good faith gesture. I did as instructed, paying the account in full and asked that if be removed, explaining my situation. The rep. with ATG Credit stated that are unable to remove collections, yet there are hundreds of responses on Complaintsboard.com by ATG showing that they, in fact, do in situations like mine. This was an error by my former company's workers compensation provider and of no fault of my own. This is impacting my ability to obtain a VA mortgage with a great rate. Attached is proof of payment in full, and a copy of the LiveChat with the ATG Credit Rep.

I received a collections notice from ATG Credit via mail on February 17, for a service I do no recognize. I immediately contacted ATG to ask what this was in reference to and what my options are to dispute it. The associate that answered rudely informed me that ATG was collecting a debt for a company that was no longer in business, and ATG therefore, owned the debt. He informed me that I received an invoice back in the fall of 2019. When I told him I did not receive an invoice and that I believed it to be incorrect, he talked over me and told me that I had received the invoice, it had gone upaid and I needed to pay it. After he continued to talk over me I became frustrated and used profanity (which I wanted to apologize for). He then threatened me, said "this will make things worse for you" and hung up. I called back, requested to speak with supervisor who did the exact same thing... talked over me, did not give me opportunity to share my side of the story did not provide insight into the charge, just said they were collecting on a debt and then hung up on me. I followed up via their chat and requested to speak with someone above the supervisor and was told there was no one to speak with, that my only option was to pay this alleged, unrecognizable debt and then closed the chat window before I could even collect a copy of the invoice referencing the alleged debt. How am I supposed to confidently pay a debt that is `17 months old if I do not have supporting documentation. This feels like a scam to me. A legitimate organization would allow a customer to escalate and at a minimum, provide supporting documentation. I fear that if this organization is in fact real, they may retaliate against my credit. They blocked my number from calling all of their toll-free numbers and blocked me from chat. I have impeccable credit. How can I pay an organization that is not giving me supporting documentation and blocking my calls?

On February 23, 2022, I pulled my credit report and discovered I had accounts in collections. I contacted ATG and was informed of the balances owed from 2019, totaling about $424 for a visit at *** The visit was related to a workplace injury, for which I hadn't received a billing statement from the *** or ATG attempting to collect a debt. Since the visit was related to a workplace injury, the billing went through workers comp, but with my personal insurance listed as a secondary. I moved shortly after the initial visit, and as previously stated, I received no communication from this collection agency regarding the debt. I never started receiving calls until February 2022, when my phone sent the calls to VM due to potential spam. When I sent a letter of debt validation, I specifically asked if my PHI would be released, and the rep stated that since they are not a medical office, they have no access to PHI and that they would have the original creditor send the documents. However, when I finally received the requested info, I found that ATG sent a complete transcript of my chart, including a diagnosis and notes! I have read other Complaintsboard.com complaints, and ATG likes to mention how they are an authorized 3rd party, but the Privacy Rule "requires a covered entity, or its business associate, to reasonably limit the amount of information disclosed for such purposes to the minimum necessary, as well as to abide by any reasonable requests for confidential communications and any agreed-to restrictions on the use or disclosure of protected health information." I asked for the last billing statement supposedly sent to me from ***, an itemized *** of any fees and charges added since the last billing statement, but instead, they sent me my chart notes. This is completely unacceptable and I am very disappointed. By looking at all of the complaints on the Complaintsboard.coms website, it looks as if ATG credit does this with a lot of people.

I check my credit score often via Chase's credit journey;I checked on1/11/2022;I immediately notice my score went down significantly due to a derogatory ***(I've never had one before, ever)When I checked my reports w/the three major credit bureaus,I found the date this account was opened/sent into collections was 9/13/2019but it wasn't reported to the credit bureaus until1/10/2022;this explains why the collection was completely new to me I contacted the collection agency via their HelpChat that same day.I was told the account was for *** in the amount of $131.63 March,I went to the *** b/c of intense throat pain;it was determined that I had mono.The doctor then performed MRIs&CAT scans due to my immune systems intense response.The other bills associated w/that same visit have all been paid;to find this *** in collections took me by surprise.I never received a letter of debt validation,or phone calls attempting to collect(I even checked old voicemails since I dont usually answer #s marked as spam).I called the office&spoke w/a supervisor,***,I asked her what my options were&if a payment&deletion out of goodwill could be done,as I've always had excellent credit&never missed any payments previously I just wanted this *** removed.She told me that goodwill deletion isn't something they do,I thanked her for her time&did more research.In my search,I learned that goodwill deletions are something that is within the collection agencys power and that this specific agency has done goodwill deletions many times before.Today,1/12/2022,I spoke w/*** in the HelpChat(Vperez)&informed her that I never received a letter of debt validation&don't recall receiving any phone calls or voicemails regarding this *** being in collections.I asked for another letter or proof of a debt validation being sent;she ended the chat. Ive attempted multiple times to get help through the HelpChat,only to disconnect every time she saw it was my name