ATG Credit, LLC Debt Collection Complaint

ATG Credit, LLC Debt collection department,

Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Florida

I contracted - services in my residence through - - back in -. For installation services, they claim they sent me an invoice for - $49.00 by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of -, I requested, in at least - occasion, support services from - during the period I had - in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? Now, 6 months after I canceled - services, and more than one year after the installatoion date in -, an open collection account with - is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in - (


pay for it. Why have they never charged my credit card they had on file for the - $49.00. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in -. And with that, they assumed I was a bad payer ( even knowing that I paid all - monthly fees on time for the 7 months I had the service. This is absurd. They sent my debt for collection to ATG Credit. After chatting with - 's customer service representative, I then immediately called ATG Credit and paid for the pending - $49.00. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have - leases I pay religiously every month. After the collections account was sent to Equifax, my credit was hit by - points because of that. This is not fair. I can not pay a debt I never knew I had. Now I am shopping for a home and was looking for alternatives to get a mortgage. These - points can considerably increase the financial cost of a mortgage loan.