CFPB Consumer Complaint Profile

ATG Credit, LLC

Consumers have filed 589 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

589
Total complaints
65
Last 12 months
97.8%
Timely response
44
States affected

The verdict

ATG Credit, LLC ranks #461 of 3,848 financial companies by CFPB complaint volume, with 589 complaints on record. It answers 97.8% of complaints on time - above the 93% median for companies with 100+ complaints.

#461
of 3,848 companies by volume
97.8%
answered on time
Debt collection
most-complained product
44
states with complaints
ATG Credit, LLC timely response rate 97.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 153
Debt collection - Medical debt 92
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 69
Debt collection - Other debt 53
Debt collection - Medical 48
Debt collection - Other (i.e. phone, health club, etc.) 42
Credit reporting or other personal consumer reports - Credit reporting 37
Debt collection - Private student loan debt 28
Debt collection - Credit card debt 19
Debt collection - Non-federal student loan 13

Top Issues

1.Attempts to collect debt not owed 151
2.Written notification about debt 89
3.Cont'd attempts collect debt not owed 69
4.Communication tactics 48
5.Incorrect information on your report 48
6.Disclosure verification of debt 41
7.False statements or representation 33
8.Problem with a credit reporting company's investigation into an existing problem 32
9.Took or threatened to take negative or legal action 21
10.Improper use of your report 20

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)

Illinois 193
California 43
Georgia 42
Florida 40
Texas 36
New York 24
Michigan 13
Ohio 12
Colorado 12
South Carolina 12
Alabama 11
Tennessee 11
Wisconsin 10
Louisiana 10
North Carolina 10

Company Responses

Closed with explanation 556
Closed 15
In progress 14
Closed with non-monetary relief 4

What the CFPB Complaint Record Shows for ATG Credit, LLC

589 complaints against ATG Credit, LLC appear in the CFPB record, including 65 from the trailing year. The 44 states and territories represented put this footprint in nationwide territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Within the Bureau's 15-day response window, ATG Credit, LLC answers 97.8% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 21.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 0.7% closed with some form of monetary or non-monetary relief to the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does ATG Credit, LLC have?

589 complaints have been filed against ATG Credit, LLC with the CFPB overall - 65 of them in the past year.

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.

What product generates the most complaints for ATG Credit, LLC?

"Debt collection" draws more CFPB complaints against ATG Credit, LLC than any other product - see the full breakdown above.

What is the most common complaint issue with ATG Credit, LLC?

The most common issue reported by consumers about ATG Credit, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against ATG Credit, LLC?

You can file a complaint against ATG Credit, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about ATG Credit, LLC?

ATG Credit, LLC has drawn CFPB complaints from 44 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.