Complaints
This profile includes complaints for Aargon Agency, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 125 total complaints in the last 3 years.
- 47 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:07/08/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm not liable for this debt with ****************************, and I don't have a contract with this Aargon Agency **** They did not provide me with the original contract as requested.Business Response
Date: 08/01/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, ******* *****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
The above referenced account was placed with office by our client, ***************************** on October 23, 2024 as the result of the consumers contract default and outstanding balance from a service provided August 29, 2018 through October 11, 2021. The final bill was sent on July ******, due July 30, 2021, and the last payment of $22.20 was received April *******. The statute of limitations in ******** is 5 years without a contract, so this is within that period.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on October 31, 2024 and not returned. Information regarding this account was furnished to a credit reporting agency on May 3, 2025 in accordance with the Fair Credit Reporting Act as a result of no response.
Our agency has requested further verification from our client to send directly to the consumer and have marked the debt as disputed.Our agency does not own the debt and collects on behalf of our clients who we have signed business/service agreements with. We had previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus July ******. We sent the statutorily required verification directly to the consumer July 29, 2025.
As to the alleged violations, we are a data furnisher and not a credit bureau. Credit bureaus, like ********** or Experian, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so.
The consumer may visit *************************** to receive more information about their consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Initial Complaint
Date:06/25/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company just appeared on my credit report out of nowhere for a balance of $1,222. I have never had an account with this **********************. They also requested for me to pay them to pull my credit report to run to give me payment options!? This is ridiculous and Ive requested multiple times for this to be removed from my credit reports and also submitted disputes directly with the bureaus. This collections needs to be removed immediately! I have no knowledge of this agency or the money they claim I oweBusiness Response
Date: 07/31/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, Latroyce Usher. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account and requested verification or deletion.
The above referenced account was placed with office by our client, ***************************** on December 17, 2024 as the result of the consumers contract default and outstanding balance from a service provided October 16, 2020 through October 29, 2021 at a S ******************* address in ********. The statute of limitations for Illinois without a contract is 5 years.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on December 19, 2024. Information regarding this account was furnished to a credit reporting agency on March 8, 2025 accordance with the Fair Credit Reporting Act as a result of no response.
Our agency has requested further verification from our client to send to the consumer and have marked the debt as disputed. Our agency does not own the debt and collects on behalf of our client. We sent the statutorily required verification directly to the consumer May 2, 2025 to the same P.O. Box listed on this complaint.
The consumer may visit *************************** to receive more information about their consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Initial Complaint
Date:06/16/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with *********************** I do not have a contract with **********************, they did not provide me with the original contarct as requested.Business Response
Date: 06/24/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, ***** ******. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
The above referenced account was placed with office by our client, *************************, on December 9, 2024 as the result of the consumers contract default and outstanding balance from a service provided September 25, 2022. The statute of limitations in ****** is 4 years without a contract and 6 years with a contract, so this is within that period.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 20, 2025 and not returned. The 60-day notice required for Nevada medical debts was also sent December 19, 2024, prior to the 1692 notice. Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
We had previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus June 18, 2025. This is the first direct dispute and request for information we have received from the consumer for this account. Our ********************** does not own the debt and collects on behalf of our clients who we have signed business/service agreements with. We have requested additional verification from our client to review and we will send the statutorily required verification directly to the consumer.
As to the alleged violations, we are a data furnisher and not a credit bureau. Credit bureaus, like ********** or Experian, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so.
The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Customer Answer
Date: 06/26/2025
Complaint: 23470452
I am rejecting this response because:
I do not acknowledge or accept liability for this alleged debt. I am formally requesting full validation and verification under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).
Your agency has failed to provide:
A signed contract or agreement bearing my signature confirming I agreed to this debt
A full itemized bill for the services allegedly rendered
Proof that Aargon Collection Agency is legally authorized to collect on behalf of *************************
A valid business associate agreement allowing you to access my medical records under ***** regulations
A simple summary or itemized statement is not sufficient to verify this debt under the law. Until you provide the full and proper verification of this debt including a signed contract, itemized billing, and proof of your legal authority to collect I am demanding that you immediately delete this account from all credit reporting agencies.
Reporting a debt without proper validation is a violation of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
Since youve acknowledged this account is in dispute, you are required by law (FCRA Section 623) to update all credit bureaus to reflect that disputed status.
Sincerely,
***** ******Business Response
Date: 08/01/2025
To: Better Business Bureau:
Previous Response on June 24, 2025: ********** has reviewed the account regarding consumer, ***** ******. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e.,YouTube, TikTok, etc.)
The above referenced account was placed with office by our client, *************************, on December 9, 2024 as the result of the consumers contract default and outstanding balance from a service provided September 25, 2022. The statute of limitations in ****** is 4 years without a contract and 6 years with a contract, so this is within that period.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 20, 2025 and not returned. The 60-day notice required for Nevada medical debts was also sent December 19, 2024, prior to the 1692 notice. Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
We had previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus June 18, 2025. This is the first direct dispute and request for information we have received from the consumer for this account. Our ********************** does not own the debt and collects on behalf of our clients who we have signed business/service agreements with. We have requested additional verification from our client to review and we will send the statutorily required verification directly to the consumer.
As to the alleged violations, we are a data furnisher and not a credit bureau. Credit bureaus, like ********** or Experian, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so.
The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.
Current Response: Consumer is not accepting the statutorily required verification that we sent to them July ******. In our previous response, I listed what was statutorily required information. A signed contract is not required. We will request the signed conditions of admissions with the financial responsibility section stating that the bill may be forwarded to a collection agency to obtain payment owed if not paid timely. Our client only provides the minimal amount of information needed to collect on their behalf to be compliant with *****. We are not provided with medical records or other information. The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Initial Complaint
Date:06/10/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable to this debt with ************. I do not have a contract with AARGON AGENCY **** they did not provide me with the original contract as requested.Business Response
Date: 06/24/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, *** *****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
The above referenced account was placed with office by our client, ************* as the result of the consumers contract default and outstanding balance from a service provided at a ******** Drive address.
This account was closed and returned to our client. The consumers request for deletion was granted.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Initial Complaint
Date:06/09/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I recently reviewed a copy of my credit report and noticed I have one fraudulent account on my credit report. Please remove this account from my credit report, it's hurting my ability to obtain credit.***** Alfredo *** ***** 06/08/2025 ********************************* Experian P.O. **************************Subject: Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern,I am writing to formally dispute the inclusion of fraudulent information on my credit report and to request its immediate removal in accordance with the Fair Credit Reporting Act,specifically 15 U.S.C. 1681c-2.Under federal law, credit reporting agencies are required to delete and remove information that results from identity theft within four (4) business days of receiving valid documentation from the consumer. The following account(s) listed on my credit report are fraudulent and were opened without my knowledge, authorization, or consent:Fraudulent Account to Be Removed:Account Name: [********************** **** Account Number: [*********]This unauthorized account is negatively impacting my credit profile and does not represent any legitimate activity on my part. Therefore, I am requesting the following actions be taken without delay:1.Immediately delete the above-mentioned fraudulent account(s) from all versions of my credit report.2.Provide written confirmation that the account(s) have been permanently removed. 3.Send me an updated copy of my credit report reflecting these ************ not place a fraud alert on my file as this is not a current or ongoing ********* mandated by 15 U.S.C. 1681c-2, your agency must act promptly upon receipt of this notice and documentation. I expect full compliance within the time limits established by law.If additional documentation or clarification is needed, please contact me in writing at the address listed above. Thank you for your immediate attention to this urgent matter.Sincerely,***** Alfredo *** *****Business Response
Date: 06/24/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, ***** *** *****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account, alleged fraud, and requested verification or deletion.
The above referenced account was placed with office by our client, ***************************** on March 20, 2025 as the result of the consumers contract default and outstanding balance from a service provided December 22, 2020 through February 14, 2022 at a ***************** address in *******. The final bill was sent by our client on November 9, 2021.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on May 1, 2025. Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
We previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus June 23, 2025. Our agency has requested further verification from our client to send to the consumer after review. Our agency does not own the debt and collects on behalf of our client.We will also send a fraud packet along with the statutorily required verification to assist us in our on-going fraud investigation.
The consumer may visit *************************** to receive more information about their consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Customer Answer
Date: 06/25/2025
Complaint: 23441517
I am rejecting this response because:
Sincerely,
***** *** *****Initial Complaint
Date:06/03/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for this debt with 10 *******************, I do not have a contract with AARGON AGENCY **** they did not provide me with the original contract as i requestedCustomer Answer
Date: 06/03/2025
Business Response
Date: 06/20/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, Sequoyah Cleveland. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested.(This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
The above referenced account was placed with office by our client, ************** on October 8, 2024 as the result of the consumers contract default and outstanding balance from a service provided for a ******* Road address through January 31, 2023. Our client received a $17.75 payment November 16, 2022. The statute of limitations for ********** without a contract is 4 years so this debt is within that timeframe.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on October 10, 2024. Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
Our agency had requested further verification from our client to send to the consumer and marked the debt as disputed upon receipt of an eOscar dispute via the credit bureaus May 16, 2025. That was the first dispute we had received from the consumer for this account. Our ********************** does not own the debt and collects on behalf of our client. We sent the statutorily required verification directly to the consumer June 20, 2025.
The consumer may visit *************************** to receive more information about their HIPAA and consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Initial Complaint
Date:05/27/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was notified by Experian that 2 accounts were flagged for collections with Aargon Agency. I received no prior notice from Aargon about this account. I have requested more information from them and have not received any response. The creditor, ***************************, had sent me letters demanding about $5k in payment last year, which I had the option to dispute. Since I was not aware of what these charges were for, I disputed it with them, and requested an itemized receipt. I sent 2 letters by certified mail, and never heard from the hospital again. As far as I am concerned, the debt is fraudulent since it was never proven to me. Without confirmation, it should not be in collections and should not be on my credit report. I am hoping Aargon has this information since the hospital will not answer my requests, but so far, neither has Aargon.Business Response
Date: 06/24/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer,Mariah (********) ***. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the debts and requested verification or deletion.
We had previously marked both accounts as disputed upon multiple eOscar disputes via the credit bureaus. We had previously sent the statutorily required verification June 11, 2025. We will resend the verification directly to the consumer. This is the first direct dispute and request for verification we have received from the consumer for these accounts.
The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Initial Complaint
Date:05/21/2025
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company just popped up on my credit report today. Looked into it more and it seems as though they are trying to collect a debt that is far past the statute of limitations in the state the debt is owed. They also reported the debt as new & they are the original creditor which is false and illegal to do. This debt (from another company) was removed from my credit report 3 months ago and seemingly just popped up today and shows AARGON AGENCY *** opened it Feb 12, 2025. I will be contacting an attorney regarding the filing of original creditor and new debtCustomer Answer
Date: 05/21/2025
I do not feel comfortable providing my social security number. Im not sure why this is even needed to file a complaint.Customer Answer
Date: 05/21/2025
cant seem to edit the paperwork. Below is the information requested
xxx-xx-5268
******** **********
Business Response
Date: 05/22/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, ******** (********) **********. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the debt and requested verification or deletion.
The above-referenced account was placed with office by our client, BG&E, on February 12, 2025 as the result of the consumers contract default and outstanding balance from a service provided April 2, 2010 through March 31, 2021 at an Eastern Avenue address. The statute of limitations in ******** is 3 years to sue, but collections efforts may still be made after this time.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 13, 2025.Information regarding this account was furnished to a credit reporting agency accordance with the Fair Credit Reporting Act as a result of no response. We report the original and current creditor accurately to ********** and Experian. We do not have control over other third party reporting services or the credit bureaus reporting of the information.
Our agency has closed and returned the account to our client.We requested deletion from ********** and Experian. The consumers request for deletion was granted.
The consumer may visit *************************** to receive more information about their consumer rights.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Customer Answer
Date: 05/25/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******** **********Initial Complaint
Date:05/05/2025
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been communicating fraud to arrgon regarding case ****-049306 since 2022. Aargon has committed to resolving the case and have yet to resolve in 3 years. They have all requested proof of fraud. I need the BBB to assist.I am disputing a comed collection account at 8353 S Winchester totaling about $899.00. Ref# ****-049306. I sent aargon the requested police report in 2022, March 2025, and May 2025. I was told in 2022 the issue was resolved. I was told March 2025, they never received the police report. I resent it. I have contacted the main email ******************************* and the rep ******* at *********************************** The fraud is yet to be resolved.Business Response
Date: 05/06/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer,****** ********. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account,alleged fraud, provided a police report, and requested deletion.
This account was already closed and returned to our client as possible fraud. We sent the request for deletion to the credit bureaus. The consumers request for deletion was already granted.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Customer Answer
Date: 05/07/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
****** ********Initial Complaint
Date:04/25/2025
Type:Billing IssuesStatus:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am not liable for the collection from Aargon Agency **** ******XXXX. The amount on my credit report is $8,382.00 I do not have any sort of affiliation with ***********************
***Consumer added to complaint:
From: ******* Leal
Date: Sun, Apr 27, 2025 at 12:40?AM
Subject: BBB FORM
To: ****************************************************************
To Whom It May Concern,
I am writing with urgency and deep concern regarding an account that is incorrectly reporting on my credit file. I have no knowledge, affiliation, or responsibility for this account. It is not mine, and I am not liable for any debt associated with it.
I have made multiple attempts to address this issue directly with the company involved, but they have failed to provide any validation of the debt as required under the Fair Debt Collection Practices Act (FDCPA). Despite my efforts, the account remains on my report harming my credit, my financial opportunities, and causing me unnecessary emotional distress.
This is a clear violation of my rights under the Fair Credit Reporting Act (FCRA). No validation was provided. No evidence was shown that ties me to this debt. Therefore, this account must be immediately deleted from my credit report.
This wrongful reporting is hindering me from accessing the financial stability I work so hard for. I respectfully but firmly request that you immediately investigate and remove this account. Please take this matter seriously my future depends on the accuracy of my credit information.
I expect confirmation of deletion promptly. If not, I am prepared to escalate this complaint to the appropriate regulatory authorities.
Thank you for your attention to this critical matter.
Sincerely,
******* ****Business Response
Date: 04/28/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, ******* ****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account and requested verification or deletion.
The above-referenced account was placed with our office by our client **********************, on April3,2023 as the result of the consumers contract default and outstanding balance from a service provided February 4, 2022.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on April 6, 2023. Information regarding this account was furnished to a credit reporting agency on in accordance with the Fair Credit Reporting Act as a result of no response.
We previously sent the statutorily required verification directly to the consumer on January 22, 2025. Our client provided the consumers correct DOB, SSN, address, phone number, and name. The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Customer Answer
Date: 04/30/2025
Just confirming, this account will be removed from my report?
Customer Answer
Date: 05/01/2025
Just want to confirm because I see this company is listed 2 different times on my report. 289750XXXX
289739XXXX
amounts are different. please remove both accounts
Customer Answer
Date: 05/01/2025
Complaint: 23248770
I am rejecting this response because:Just want to confirm because I see this company is listed 2 different times on my report. 289750XXXX
289739XXXX
amounts are different. please remove both accounts
Sincerely,
******* ****Business Response
Date: 05/01/2025
To: Better Business Bureau:
Previous Response on April 28, *****: ********** has reviewed the account regarding consumer, ******* ****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account and requested verification or deletion.
The above-referenced account was placed with our office by our client **********************, on April 3, 2023 as the result of the consumers contract default and outstanding balance from a service provided February 4, 2022.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on April 6, 2023. Information regarding this account was furnished to a credit reporting agency on in accordance with the Fair Credit Reporting Act as a result of no response.
We previously sent the statutorily required verification directly to the consumer on January 22, 2025. Our client provided the consumers correct DOB, SSN, address, phone number, and name. The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
******* Verification of debts.
Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
Content: The verification of the debt should include:
Name of the original creditor
Date of the original debt
Amount of the original debt
Current amount of the debt
Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
Official Interpretations of *******:
Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.
Current Response to Rebuttal: Consumer is now disputing an additional account, ***********. The above-referenced account was placed with our office by our client **********************, on January 20, 2025 as the result of the consumers contract default and outstanding balance from a service provided December 1, 2022.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on January 23, 2025. Information regarding this account was furnished to a credit reporting agency on in accordance with the Fair Credit Reporting Act as a result of no response. This is the first dispute we have received for this account. We have marked the account as disputed and requested additional information from our client to review. We will send the statutorily required verification directly to the consumer. Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.Customer Answer
Date: 05/06/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
******* ****
Aargon Agency, Inc. is BBB Accredited.
This business has committed to upholding the BBB Standards for Trust.
Why choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.