Product: Debt collection

I applied for financial assistance with XXXX XXXX in XX/XX/XXXX to pay off ER fee of {$120.00}. At no time did I ask them to waive the {$120.00} fee. I just wanted to make manageable arrangements to spread the payments over time. Received no reply so I decided to pay {$15.00} each month anyway. Paid it down to {$60.00} and they turned over to H & R Accounts for debt collection. I called H & R right away to make arrangements to pay it off. {$15.00} was agreed upon due at the " end of the month. '' I made payments on the XXXX of the month so it would arrive in time. In XXXX, they recd my payment on the XXXX of XXXX. They called me on the XXXX of XXXX demanding payment saying it was " late. '' So they were penalizing me for paying early? I told them the check was in the mail, which it was. XXXX XXXX said she wanted my checking acct info to deduct from my checking acct. I refused bc I knew she would deduct from my checking acct and also cash my check that was on its way. ( I also enclosed copies of XXXX XXXX  scores from two credit reporting agencies as proof of my being a reliable creditor. ) I filed a missing mail event with USPS. USPS told me their zip code on their remittance address was wrong and it also had a street address followed by a XXXX XXXX XXXX USPS frowns on that. They also said it was " unreasonable '' to expect something mailed on a Wednesday to be received by the following Monday. So on XX/XX/XXXX, I mailed my final check for {$15.00} to them. They called me on XXXX to harass me again. She said I don't have to talk like that, and I agreed and hung up on her. Meanwhile, they received my check the next day XXXX and had already been cashed. On Friday XXXX, they phoned me SIX times. I blocked their calls and refuse to talk to them anymore. I paid my debt. I am done with them. I asked for a statement of my account since they sent me nothing, except the original request for payment. I am a senior living on a fixed income ( {$1200.00} per month ). $ XXXX was all I was able to pay and paid regularly and on time. Even though I am poor, I have a XXXX score of XXXX out of XXXX, reported from two credit reporting companies. I have carried no debt for the past 10 years. I had asked XXXX XXXX @ H & R, " why would I jeopardize my credit rating for a mere {$15.00}? She did not have an answer for me. I think she just likes to harass me. I also reported their behavior to XXXX XXXX to let them know how H & R is treating their patients, even ones that are paying on time. I am having major XXXX XXXX ( XXXX XXXX XXXX XXXX ) and don't need any more harassment from them. I don't have money to hire an attorney, but I did file a complaint with their local XXXX I never heard back from the XXXX. What is H & R going to say, " she's paid up, but still deserves to be harassed. '' I am way beyond talking nice with these crooks. I need you to contact them as I don't have money to send a certified letter. I have all four copies of my cashed checks for {$15.00} each. I will send them to you, if necessary, but will not send them to H & R. Even if you tell them to phone me, I still will not accept their calls. I have blocked all of their numbers. They use several different numbers from the same area code to try to trick me into picking up. As a rule, I never pick up unidentified phone calls. I would appreciate any assistance you can give me.