• Report: #707995

Complaint Review: Aargon Collection Agency

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  • Submitted: Sat, March 19, 2011
  • Updated: Sat, March 19, 2011

  • Reported By: CA44 — Woodland California United States of America
Aargon Collection Agency
3025 W. Sahara Blvd Internet United States of America

Aargon Collection Agency Repeated violation of FCRA , Internet

*Consumer Comment: Stay off the phone, and send letters PROPERLY!

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Aargon contacted me by phone claiming that I have an outstanding debt. I asked them to send something in writing so that I could verify that it was a valid debt. The agent was rude and indicated that they don't send out letters and that I needed to pay the debt. The next day I sent a certified letter to Aargon requesting that they validate the debt and not contact me by phone. 1 week later they called and tried to demand payment. A week after that, Aargon reported failure to pay collection account to the credit bureaus and dated the account as being in collection two months before 1st contact.

This company has unethical practices and consistantly violates the FCRA.

  


This report was posted on Ripoff Report on 03/19/2011 01:34 AM and is a permanent record located here: http://www.ripoffreport.com/r/Aargon-Collection-Agency/internet/Aargon-Collection-Agency-Repeated-violation-of-FCRA-Internet-707995. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Stay off the phone, and send letters PROPERLY!

AUTHOR: Steve - (USA)

The first absolute rule when dealing with any third party debt collector is to STAY OFF THE PHONE!!

NEVER speak to a bottomfeeder on the phone as it will never do anything positive for you, and in most cases will make things worse. STAY OFF THE PHONE!!

When sending certified letters, there is a right way and a wrong way to do it, AND, you must follow through with a lawsuit if they do not comply, or you are just wasting your time and money.

NEVER sign ANYTHING you send to a bottomfeeder. Just print. If you signed that letter you sent, they now have your signature on file, and it could end up on a "contract". Not uncommon at all.

When sending a letter to a bottomfeeder, always send it via certified mail, return reciept requested, and always put the certified# in the body of the letter itself and keep a copy for your records, as this proves exactly what you sent.

If you do not legally owe anything, you want to send a CEASE COMMUNICATIONS request.

Keep it simple, and provide ONLY the information they already have. NEVER give them your DOB or SS#, place of employment, or banking info. NEVER give them any of this info.

Simply state that you are making the cease communications request under the provisions of the FDCPA, and failure to comply with your legal request will result in an immediate lawsuit under FDCPA provisions.

Suing a bottomfeeder is very easy, and the money is good. Might as well make the collector poay you, right?
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