Total CFPB complaints
469
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 469 complaints
ATG Credit, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ATG Credit, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
141 complaints
- Written notification about debt
Written notification about debt
86 complaints
- Cont'd attempts collect debt not owed 51
Cont'd attempts collect debt not owed
51 complaints
- False statements or representation 29
False statements or representation
29 complaints
- Disclosure verification of debt 23
Disclosure verification of debt
23 complaints
- Communication tactics 21
Communication tactics
21 complaints
D
Grade D · 55.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ATG Credit, LLC?
ATG Credit, LLC has accumulated 469 total CFPB complaints across 40 states, with 47 filed in the most recent 12 months against 422 historical complaints before that window. The trailing-12-month volume represents 10.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 22% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 40 states, led by Illinois with 153 and California with 38, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.7/100 places ATG Credit, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
47
10.0% of total history
Rising ↑
States active
40
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
55.7/100 composite
Response-quality profile
How ATG Credit, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does ATG Credit, LLC compare to its peers?
ATG Credit, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed141 (%)
Written notification about debt86 (%)
Cont'd attempts collect debt not owed51 (%)
False statements or representation29 (%)
Disclosure verification of debt23 (%)
Communication tactics21 (%)
Took or threatened to take negative or legal action20 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 87 |
| Written notification about debt | Didn't receive enough information to verify debt | 55 |
| Cont'd attempts collect debt not owed | Debt is not mine | 51 |
| Written notification about debt | Didn't receive notice of right to dispute | 31 |
| Attempts to collect debt not owed | Debt was result of identity theft | 30 |
| False statements or representation | Attempted to collect wrong amount | 29 |
| Attempts to collect debt not owed | Debt was paid | 24 |
| Disclosure verification of debt | Not given enough info to verify debt | 23 |
| Communication tactics | Frequent or repeated calls | 21 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
Where do complaints against ATG Credit, LLC come from?
The states where consumers have filed the most CFPB complaints against ATG Credit, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ATG Credit, LLC
Across 40 states with at least one filing
- Illinois
Illinois
153 complaints
- California 38
California
38 complaints
- Florida 37
Florida
37 complaints
- Georgia 27
Georgia
27 complaints
- Texas 26
Texas
26 complaints
- New York 21
New York
21 complaints
- Colorado 10
Colorado
10 complaints
- Louisiana 9
Louisiana
9 complaints
Frequently Asked Questions
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 469 complaints filed with the CFPB.
Are complaints against ATG Credit, LLC increasing or decreasing? ▼
Complaints against ATG Credit, LLC are rising. The company received 47 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ATG Credit, LLC's reputation grade? ▼
ATG Credit, LLC has a reputation grade of D (score: 55.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if ATG Credit, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ATG Credit, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |