Consumer complaint received 2019-02-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC (TN)

This is my second complaint against ATG because I believe they were dishonest in their first response. I routinely check my credit report for updates and inaccuracies. I checked my report during the week of XX/XX/XXXX after receiving an email alert from a credit reporting agency that my score had changed. I logged in and determined that both XXXX  and XXXX  had derogatory remarks on my account from a collections agency called ATG, which caused an almost 20 point drop in my credit score. I have never heard of ATG before seeing their name on my credit report nor have I ever received any correspondence or communication of any form from them. I had NO notice of any debt owed and I have no idea what this pertains to. I am unclear what the claimed amount owed is. Per the credit report it says balance {$4200.00} and highest balance {$2700.00}, which makes no sense to me. It also says that it was opened in XX/XX/XXXX. However, I usually check my credit at least once a month and receive regular email notifications of changes to my score and last week was the first time this appeared on my credit report. Again, between last XXXX and now, I had no communications from ATG regarding a debt owed. Reporting the alleged debt to the credit reporting agencies and significantly damaging my credit was the first notification. 

Company 's Response : " This is an outstanding balance owed to XXXX XXXX XXXX. We have issued validation notice to the consumer at [ redacted ] C/O [ redacted ] XXXX [ redacted ]. We have also made numerous calls to the consumer all of which have not been returned. This is a valid debt and we would encourage the consumer to contact us at XXXX or via our web portal. Thank you '' That is not the correct spelling of either my name nor my street. Perhaps this why I never received the letter, but I absolutely never received the letter. Furthermore, the company doesn't bother to say what date they allegedly sent the letter nor furnish I copy, leading me to believe they not being truthful. I also do not know what number they have been attempting to reach me at, but I have never received any messages at any phone number I am currently using. Again, I never received any notice of this debt by any valid means appropriately calculated to reach me. 

Now that I understand the underlying matter, I will further add that I don't owe anything to XXXX  as they did not appropriately handle the chargebacks at issue. Here is a brief summary of the issue with them : a customer filed a bogus chargeback claim against me claiming that goods/services werent delivered ( they had been delivered ). I received email notification of the chargeback claim with a deadline to respond to it. I responded to the chargeback claim well before the deadline with a detailed explanation of the transaction with the customer and multiple pieces of evidence that the goods and services had been delivered to the customer. I received an automated confirmation of my response from XXXX. 

I didnt hear anything for a while so I started sending emails asking for an update ( I  got the auto response email for all of those emails so they were received ). After the third one with no response, I was getting frustrated so I sent another email expressing my frustration at the lack of response. XXXX from XXXX  emailed me back to tell me the chargeback claim was closed in favor of the customer because I had failed to respond! I immediately emailed her back to tell her this was a mistake that needed to be immediately corrected and I forwarded my original response email and the auto response confirmation email from XXXX. No response. I then emailed XXXX three more times requesting a response and never got one. I sent a fourth email telling her I would be calling the next day to speak to her supervisor to speak about the issue if I didnt get a response. 

The following day, I got an email from XXXX, the supervisor, asking to speak to me that day. I had extremely limited availability that day due to being back to back trainings, but I gave her my availability. I didnt hear from her. I then emailed XXXX two more times telling her when I was available or asking her to tell me when she was available, but never received a response. I later received an email from XXXX asking to call her ( even though she had ignored the multiple available times I had given her to call me ). I called the number she provided and I was told I needed to call her at a different number, but I was given a fax number. I called back, told I would be transferred and I was hung up on. I called back again, transferred and got a voicemail despite being told she would be at her desk waiting for my call. I left a message that she never returned. I tried calling three more times and was either disconnected or left a message that wasnt returned. It was clear I was being dodged and I gave up. I will not be held responsible for XXXX  's incompetence and inability to fairly adjudicate a chargeback claim when I timely submitted all documentation to be considered ( and they confirmed receipt ). This matter was never fairly considered on the merits and I will not be charged by them as such.