Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am filing this complaint against Aargon Agency , Inc. regarding multiple, continued, and inappropriate attempts to collect on a fully resolved medical debt. I have made every good-faith effort to resolve this matter directly with both the original creditor and the collection agency, yet Aargon has failed to act in accordance with federal and state law. 

Here is the timeline and context : In XX/XX/year>, XXXX sent me an initial collection notice claiming I owed {$50.00} for services rendered through XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. At that time, I was already working directly with the hospital under a formal payment plan that addressed multiple outstanding invoices totaling {$650.00}. The {$50.00} account referenced by Aargon was just XXXX of several line items included in the broader balance. 

I followed up directly with the hospital and completed payment in full by XX/XX/year>. As of today, the balance on my account with the hospital is XXXX. 

Upon receiving the initial letter from Aargon, I responded with a certified letter formally disputing the debt. I cited the Fair Debt Collection Practices Act ( FDCPA ) and Nevada Senate Bill 248 ( SB248 ), and I requested that Aargon validate the debt by contacting the creditor directly to confirm the current balance and account status. 

Instead of doing so, Aargon responded by sending me a copy of an outdated bill from XX/XX/year>, the same one they originally used to open the collection claim. This documentation is not a validation of the debt, nor is it accurate or sufficient under FDCPA 1692g. It does not reflect the actual current status of the account. They did not contact the creditor or update their records.

I have since provided Aargon with a screenshot showing the {$0.00} balance from the hospitals billing system. Despite this, they have not closed the collection file, nor have they provided written confirmation that the account has been marked as satisfied. Their failure to validate the debt, their attempt to collect on a resolved account, and their unwillingness to investigate or correct the record with the original creditor are serious concerns. 

This conduct violates : FDCPA 15 USC 1692g Failure to properly validate a disputed debt FDCPA 15 USC 1692e Use of false or misleading representations XXXX XXXX Prohibition on deceptive collection practices under Nevada law This collection attempt is inaccurate, deceptive, and damaging. I am requesting that the CFPB investigate this matter and compel Aargon to : Immediately cease all collection activity on this account Provide written confirmation that the account has been closed and marked as resolved Update all internal systems and ensure that no further action will be taken Confirm that no negative information has been or will be reported to any credit reporting agencies I am happy to provide supporting documentation, including : My certified dispute letter A copy of the payment agreement with XXXX XXXX A screenshot of the {$0.00} balance Copies of Aargons correspondence The XXXX invoice they provided as so-called validation Thank you for your attention to this matter. I am seeking protection under the rights afforded to me as a consumer under both federal and state collection laws.

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