What is the most common complaint against ATG Credit, LLC?

The most common issue consumers report about ATG Credit, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 478 complaints filed with the CFPB.

Are complaints against ATG Credit, LLC increasing or decreasing?

Complaints against ATG Credit, LLC are falling. The company received 42 complaints in the last 12 months, showing improvement over prior periods.

What is ATG Credit, LLC's reputation grade?

ATG Credit, LLC has a reputation grade of D (score: 52.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ATG Credit, LLC respond to consumer complaints?

ATG Credit, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does ATG Credit, LLC operate?

ATG Credit, LLC has received CFPB complaints from consumers in 40 states, with the most complaints from Illinois (153 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

ATG Credit, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

155
Written notification about debt

91
Cont'd attempts collect debt not owed

69
Communication tactics

49
Disclosure verification of debt

41
False statements or representation

35

Data updated September 2026

CFPB complaint disposition

CCDB record atg-credit-llc ATG Credit, LLC

Grade D · 478 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #282 · compose #3814

VOL 478
GRADE D
12MO 42
STATES 40
TIMELY 98%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #282
COMPOSE #3,814

Volume peers

Nearest volume peer: Merchants and Medical Credit Corporation, Inc. (479 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

ATG Credit, LLC's 478 CFPB complaints sit next to Merchants and Medical Credit Corporation, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

32.0% of ATG Credit, LLC's CFPB filings land in Illinois

High volume does not equal a clean composite: ATG Credit, LLC is volume #282 but composite #3,814, while Illinois dominates the geography. Corpus placement method.

Dominant state: Illinois 32.0%; 153 of 478 filings · 40 states touched
Seasonal peak: 2025-06 10.6%; 8–15% band · 5 filings
Divergent corpus ranks: #282 volume; #3,814 composite; Cleanest-composite ladder is 3,532 places worse than volume

How does ATG Credit, LLC compare to its peers?

How does ATG Credit, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ATG Credit, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

22%

20%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-08 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	155
Written notification about debt	91
Cont'd attempts collect debt not owed	69
Communication tactics	49
Disclosure verification of debt	41
False statements or representation	35
Took or threatened to take negative or legal action	22
Improper contact or sharing of info	7
Threatened to contact someone or share information improperly	4
Taking/threatening an illegal action	4

Where do complaints against ATG Credit, LLC come from?

ATG Credit, LLC's own per-state count, not a national baseline.

Illinois

153
California

38
Florida

37
Georgia

28
Texas

28
New York

21
Louisiana

11
Alabama

10

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ATG Credit, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 478.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.6545842217484%.

4 peers

Know your rights before responding to ATG Credit, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.