ATG Credit, LLC
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 19 |
| 2014 | 45 |
| 2015 | 48 |
| 2016 | 40 |
| 2017 | 49 |
| 2018 | 38 |
| 2019 | 34 |
| 2020 | 36 |
| 2021 | 64 |
| 2022 | 62 |
| 2023 | 40 |
| 2024 | 38 |
| 2025 | 57 |
| 2026 | 19 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for ATG Credit, LLC
468 debt-collection complaints against ATG Credit, LLC appear in the CFPB record - 79.5% of the 589 complaints filed about this entity. The 44 states and territories represented make this a nationwide operation by complaint volume. "Medical debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The single most-cited specific issue is "Attempts to collect debt not owed" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
Within the Bureau's 15-day response window, this company answers 97.8% of forwarded complaints. That clears the industry benchmark, a sign the intake process is functioning on schedule. Of resolved cases, 0.7% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 21.2% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does ATG Credit, LLC have?
The CFPB has logged 468 debt-collection complaints against ATG Credit, LLC, 79.5% of all complaints filed against this company.
Does ATG Credit, LLC respond to complaints on time?
97.8% of the CFPB complaints against ATG Credit, LLC get a response within the expected window. This is considered excellent.
Does ATG Credit, LLC provide relief to consumers?
0.7% of resolved complaints against ATG Credit, LLC were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does ATG Credit, LLC primarily collect?
Based on CFPB complaint records, ATG Credit, LLC's primary debt type is "Medical debt"; the complete breakdown is shown above.
What rights do I have against ATG Credit, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is ATG Credit, LLC active?
CFPB data shows consumer complaints against ATG Credit, LLC from 44 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.