If you’re getting calls from 800-852-0411, you’re likely feeling frustrated and more than a little concerned. Here’s what you need to know:
800-852-0411 is a phone number for the collection agency Aargon Agency Inc.
They’re calling you because they think you owe a debt that’s been placed with their company for collection. This could be a medical bill, a utility bill, a telecom bill, or any other kind of consumer debt that’s been assigned to Aargon by the original creditor.
You might not recognize the debt. That’s not uncommon. Lots of people who get calls from 800-852-0411 say they’ve never heard of Aargon Agency and have no idea why they’re being contacted. Others claim the debt is one they’ve already paid, or one that belongs to someone else entirely, or one that’s so old they’d forgotten it even existed.
Whatever you do, don’t call them back. The phone is the collector’s playground. They want to get you on the phone because there’s no paper trail, because you can misinterpret each other, because they can fish for information or trick you into making promises you didn’t mean to make. Everything you need to do with this phone number can be handled in writing, and we’ll walk you through that in this article.
What is Aargon Agency Inc?
Aargon Agency Inc. (also known as Aargon Collection Agency)
Third-party debt collection agency, debt buyer, and medical billing servicer
Founded: February 9, 1996
Headquarters: 8668 Spring Mountain Rd, Suite 110, Las Vegas, NV 89117
Other locations: Tampa, Honolulu, Denver, Indianapolis, and Saint Peters, Missouri
Licensed in: 46 states
Industries served: Medical, utility, telecom, banking, retail, entertainment, and commercial debt
Affiliates: Total Credit Recovery (TCR), Aargon Funding, TheMedicalBill.com
Better Business Bureau (BBB) rating: A+ (accredited since 2011), but 1/5 stars based on customer reviews
Consumer Financial Protection Bureau (CFPB) complaints: 654+ and counting
A Decade-Long History of Consumer Complaints
Aargon Agency has been sued in federal court over 120 times for violations of consumer rights. In the class-action lawsuit Santoro v. Aargon Agency, the company was accused of sending form letters to more than 10,000 consumers, demanding payment on medical debts Aargon had purchased. In the case Earnhart v. Aargon Agency, a consumer alleged Aargon’s letters falsely threatened that balances would increase, in an effort to scare people out of exercising their right to request validation of the debt.
In 2020, the Connecticut Banking Commissioner issued a consent order against Aargon after discovering the company had been operating as an unlicensed collection agency in the state for about 11 years. If you’re getting a bad vibe from these calls, you’re not wrong.
Why is Aargon Agency Inc calling me?
The Debt Collection Pipeline
When you’re late on a bill, or when a creditor decides your account is delinquent, that account may be sent to a third-party debt collector like Aargon. Sometimes that happens after 90 days. Sometimes it happens after a year. The original creditor pays Aargon a commission on every dollar it recovers, or in some cases Aargon buys the debt outright through its debt purchasing arm, Aargon Funding.
That means the company calling you may have paid just pennies on the dollar for your debt. The difference between what they paid and what they collect from you is all profit. You need to understand this, because it’s the key to understanding why their tactics are so pushy, and why the amount they’re calling about may not be what you actually owe.
Why the calls never seem to stop
Collection agencies operate on thin margins. The pushy tactics and the volume, volume, volume approach suggest they need a high rate of success on individual debts in order to stay profitable. RoboKiller alone has tracked over 532,000 calls from 800-852-0411, with 646 reports from users. That volume says everything about the business model.
One consumer posting on 800notes described the experience like this: “We been getting calls from these Vultures for over 2 years non stop. I made the mistake of calling back to let them know I do not owe anything. They were rude and tried to be intimidating and would not give up.” That’s not an unusual story. That’s the standard operating procedure.
How does Aargon Agency operate?
Predictable behavior from their business model
Aargon collects medical debt, utility debt, telecom debt, banking debt, retail debt, entertainment debt, and commercial debt. The company operates several affiliates, including Total Credit Recovery (TCR) for first-party, early-stage collections; Aargon Funding for debt purchasing; and TheMedicalBill.com for medical billing. That means Aargon can be involved in your account at multiple levels, from the initial billing dispute all the way to debt collection.
Aargon advertises legal services through state and federal court representation, and employs debt collection attorneys to pursue litigation. The company also claims to be fully compliant with the Telephone Consumer Protection Act (TCPA) through a proprietary dialing system. But consumer complaints describe robo-call behavior, calls at odd hours, and caller IDs that rotate between names like “ACA,” “Chase,” “Linda Callahan,” and “800 Service.”
Why the phone is their go-to weapon
Phone calls are a trap. When a debt collector gets you on the phone, he’s got control of the conversation. There’s no paper trail. There’s no way to prove what you said, or what he said. There’s no way to fact-check his claims in real time. And anything you say can be used to re-age an old debt, or to confirm a balance you may or may not actually owe.
Here’s what one Everycaller user experienced on the other end of the line: “First thing the caller did was inform me the call would be recorded, not unusual so OK. Next thing they did was ask me for my date of birth and social security number for identification. NO NO Nope, not giving that out to anyone on the phone.” Good instinct. Never give out sensitive financial or personal information over the phone if you didn’t initiate the call.
What other consumers are saying about 800-852-0411
Relentless calling and fake caller ID
The volume of complaints about this phone number tells a consistent story. Consumers describe fielding anywhere from two to 17 calls per day, with some reporting more than 50 calls in a single month. One RoboKiller user reported receiving over 100 calls in 29 days, including calls between 9 PM and 8 AM.
The story told by Aargon’s Better Business Bureau profile is more mixed. On the one hand, Aargon boasts an A+ rating and has been accredited since 2011. On the other hand, every single one of its customer reviews is a one-star review. Of the 125 complaints filed in the last three years alone, common complaints include credit reporting without prior notification, attempting to collect very old or already-resolved debts, and refusing to verify debts.
Wrong-person harassment and balances that don’t add up
Lots of consumers say they’re getting calls intended for other people. As one 800notes user put it: “This number calls us every day 2 to 5 times a day. We tried to call back and we just get an ear full of music. We’ve had our phone number for 27 years and owe nothing.”
Others describe balances that have inflated far beyond the original amount. As one Everycaller user described: “They claim I owe $3200 for a hospital bill of $1300. I called the hospital and they told me they still own the bill and I’m making payments on it.” The user confirmed the hospital still owned the account and had never transferred it. That kind of discrepancy is why you should never engage with a debt collector without verifying the debt independently first.
Know your rights under the FDCPA and FCRA
The FDCPA and FCRA are offensive tools, not just shields
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) aren’t just defenses against illegal collection and credit reporting behavior. They’re offensive tools that put the burden of proof on the debt collector, not on you. Under the FDCPA, a debt collector is required to stop all collection activity if you dispute a debt in writing within 30 days, and to verify the debt before proceeding. Under the FCRA, every item on your credit report has to be accurate, verifiable, and reported by someone who can prove it belongs there.
Here’s why that matters. Debt collectors almost never respond correctly to a dispute. The effectiveness of the strategy depends on the fact that most collection agencies don’t meet their obligations when it comes to validating debts. When they can’t produce an original signed contract, a detailed transaction history, and proof of the chain of ownership all the way back to the original creditor, the credit reporting agency has to delete the item from your report.
Why disputes are the best way to fight back against collection agencies like Aargon
In a 2025 complaint filed with the Better Business Bureau, one consumer wrote: “This company has repeatedly refused to provide information regarding a debt that I currently owe. After speaking with 3 people they all claimed that unless I paid for a new credit report to be ran that they cannot tell me even who the original creditor was.” When a debt collector can’t even identify the original creditor, you can be pretty sure he doesn’t have the documentation necessary to survive a formal dispute.
In another recent BBB complaint, a consumer reported that Aargon placed a collection account on his credit report for a local energy company without any prior notification, less than 30 days after he moved out of his home. “No letter, no phone call, no nothing,” he wrote. “No chance to address the issue before affecting my credit.” That’s the kind of credit reporting behavior that creates the exact kind of Fair Credit Reporting Act violation that a properly-filed dispute can expose.
How to make the calls from 800-852-0411 stop for good
Step 1: Get your credit reports
Before you do anything else, get a copy of your credit reports from all three credit reporting agencies. You can do that for free once a year at AnnualCreditReport.com. Your credit report is a reconnaissance tool. It will tell you exactly what Aargon is reporting, when it was reported, and what amount Aargon is claiming.
Don’t engage until you have this information. One of the biggest mistakes consumers make when dealing with calls from collection agencies is calling them back before they understand what’s on their credit report. That puts the collector in charge of the narrative. When you start with your credit report, you start with the facts.
Step 2: File a dispute and let the process play out
Once you understand what Aargon is reporting, your next move is to dispute the account. A formal dispute filed through the credit reporting agencies creates a legal obligation for whoever reported the information to verify its accuracy. If the reporting entity can’t do that within 30 days, the account has to be deleted. That’s where the Fair Credit Reporting Act really empowers consumers, and where collection agencies operating on volume and thin margins often fail to deliver.
This is exactly the kind of thing we do at FightCollections.com. We help consumers dispute collection accounts that can’t stand up to scrutiny. And when debt collectors like Aargon can’t meet their burden of proof, the result is deletion of the account from your credit report. The calls often stop once the account isn’t viable anymore.
Conclusion
Take control now
The calls from 800-852-0411 are designed to make you feel helpless, to scare you into paying a debt you may not owe, or that you’ve already paid, or that you can’t even verify. Aargon Agency’s business model relies on consumers answering the phone, providing information, and making payments without asking questions. You don’t have to play the game.
Under federal law, you have the right to demand proof of a debt. You have the right to dispute credit reporting that’s inaccurate or unverifiable. And you have the right to hold debt collectors to account when they cut corners. The FDCPA and FCRA are there for situations just like this one. The question isn’t whether you have options. The question is whether you’ll use them.
Get in touch with FightCollections.com now
If Aargon Agency Inc is on your credit report and you want it off, we can help. At FightCollections.com, we specialize in disputing collection accounts that can’t survive a challenge. Visit our website now to find out more.