Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Request for Investigation into Aargon Collection Agency Systemic Debt Collection Irregularities Account XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this formal complaint to bring to your urgent attention a matter involving Aargon Collection Agency and its potentially unlawful and systemically fraudulent debt collection practices. I believe this case may indicate a broader pattern of automated accounting misrepresentations and improper collections that could be harming many consumers. 

This complaint concerns an alleged medical debt of {$2400.00}, originally billed through XXXXXXXX XXXX XXXXXXXX XXXX and subsequently pursued by Aargon Collection Agency. I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and submitted a timely, written dispute and request for validation. 

Despite this, Aargon Collection Agency failed to provide full and sufficient validation within the legally required timeframe. Instead, they returned an incomplete billing summary which : Contains zeroed-out line items for all departments ( XXXX, XXXX, XXXX, etc. ), rendering the " itemized bill '' void of meaningful detail or transparency. 

Lists a single line titled " adjustments '' with conflicting figures that do not align with insurance payments received, creating a false impression of an outstanding balance. 

Ignores a documented {$1500.00} payment from XXXX XXXX XXXX, which should have offset the alleged {$2400.00} balance in full or in part. 

Provides no signed patient responsibility agreement, no assignment of debt documentation, and no proof that Aargon has legal standing to collect on this account. 


These practices suggest more than simple clerical errorsthey point to a systemic issue within Aargons automated accounting and billing infrastructure, which may be generating artificially inflated or misleading balances. If this is standard operating procedure, the potential scope of affected consumers could be significant and warrant legal consequences. 

I am urging the Consumer Financial Protection Bureau to initiate a formal investigation into Aargon Collection Agencys practices, specifically their : Use of automated systems to fabricate or misrepresent balances Consistent failure to provide legitimate debt validation Potential pattern of violating FDCPA obligations I believe many other consumers may be facing similar unsubstantiated debts due to these systemic errors and would benefit from immediate oversight. I respectfully request that : 1. The CFPB open a
case for full regulatory review of Aargon Collection Agency.

2. All collection activities be halted until full validation is produced.

3. Any related negative credit reporting be suppressed pending resolution.

I am prepared to provide supporting documentation and cooperate fully in any investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation