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

CFPB complaint data Grade D 478 complaints

ATG Credit, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade D.

Complaints by issue type

What consumers report about ATG Credit, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #292

  • VOL 478
  • GRADE D
  • 12MO 42
  • STATES 40
  • TIMELY 98%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #282
  • COMPOSE #292

Volume peers

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

Klarna ABKlarna AB475Shepherd Outsourcing, LLCShepherd Outsourcing, LLC475Pentagon Federal Credit UnionPentagon Federal Credit Union476ATG Credit, LLC (this)ATG Credit, LLC (this)478Merchants and Medical Credit Corporation, Inc.Merchants and Medical Credit…479
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 →

How the 478 complaints break down

Every complaint issue type on record for ATG Credit, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.4/100
ATG Credit, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
478
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#282 volume
#292 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
42
78
268
Timely-response ratehigher is better
98%
100%
91%
Consumer-dispute ratelower is better
22%
20%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy ATG Credit, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 85%90%95%100%105% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) ATG Credit, LLC vs. 7 similar-volume peers, by response speed and dispute rate ATG Credit, LLCMerchants and Medical Credit Corporation, Inc.PENTAGON FEDERAL CREDIT UNIONDuncan Solutions, lnc.Hillcrest Davidson & AssociatesARS National Services, Inc.SIMM Associates, Inc.Frontline Asset Strategies, LLC
Source: CFPB Consumer Complaint Database

ATG Credit, LLC's complaint volume in context

ATG Credit, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

478 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. ATG Credit, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against ATG Credit, LLC

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.