Debt collection -- Attempts to collect debt not owed -- Complaint #7734588
Complaint Overview
Complaint ID: 7734588
Company: Atg Credit, LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: California
ZIP Code: 90066
Date Received: 2023-10-20T12:00:00-05:00
Date Sent to Company: 2023-10-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I noticed around XXXX points were deducted from my credit score. XX/XX/XXXX : I saw that on XX/XX/XXXX ATG Collections had opened a derogatory account against me attempting to collect {$650.00} in medical charges from a service in XXXX. XX/XX/XXXX : I called the original creditor, XXXX XXXXXXXX, and they confirmed with me that my account has already been resolved with remaining balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX and was also told my balance has been resolved as well. XXXX said that I as a XXXX patient am not financially responsible for any medical bills and that even in the event that my insurance does not pay ( in part or in full ), the creditor must absorb the rest. They have sent me a " Resolution of Your Grievance Request ''. I also called ATG and they told me that XXXX XXXX would have to directly contact them to confirm the resolved account. XXXX XXXX told me that ATG would have to contact them directly to request that. It has been a back and forth ever since with neither side willing to contact the other directly for confirmation. Between XX/XX/XXXX and XX/XX/XXXX I called and asked ATG for verification of debt. They emailed me an itemizied statement from XXXX XXXX that showed the charges, the sale of debt write off to ATG and the subsequent insurance payment/settlement. I have attached this document below. XXXX : I called ATG and asked to speak to their manager XXXX. She was unavailable and told her rep to tell me that this itemized statement from XXXX XXXX was not acceptable. She insisted that only an EOB from my insurance would be accepted as proof of my resolved account. XXXX XXXX said that this was the responsibility of XXXX XXXX who fall under XXXX XXXX. Their investigation showed that this bill was not found in their system. They called XXXX XXXX and spoke with XXXX on XX/XX/XXXX who said the issue with my account has been resolved and now shows {$0.00}. From XXXX I have opened 4 disputes online : 2 with XXXX, 1 with XXXX and 1 with XXXX. Both XXXX disputes came back incorrectly showing I still owe {$650.00} to ATG. This is misrepresentation and ATG seems unwilling to update my account and stop trying to collect from me despite documented evidence provided to them.
Frequently Asked Questions
What is Complaint #7734588 about?
Complaint #7734588 was filed against Atg Credit, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-10-20T12:00:00-05:00.
How did Atg Credit, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Atg Credit, LLC?
Yes, visit the Atg Credit, LLC company profile at readthecomplaint.com/company/atg-credit-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.