Consumer complaint received 2018-04-02
Company: Hillcrest Davidson & Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is against a debt collector names Hill Crest Davidson, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx-XXXX. They are calling repeatedly and trying to intimidate me and threatening me with negative credit reporting and damaging my credit. On XX/XX/XXXX at about XXXX XXXX they called me over my cell phone and talked me about 15 minutes after saying they are recording our conversation and intimidated me.This is regarding payment of {$560.00} to XXXX for a contract we had with them for 3 years for security system of my house. But after 1 year I had to sell my house because of retirement and old age of XXXX years and as I can not afford the mortgage because of low income. So I had requested about one month before to XXXX by telephone and also through certified mail to disconnect the service. When the last time I talked to one of their representatives, XXXX XXXX on XX/XX/XXXX at XXXX he agreed for cancelling the service and connection and the confirmation given to me was XXXX. But after that they refer the case to collection agency for not completing the 3 years contract. I had explained to the XXXX  that I am selling the house because of old age and less income. About one month back one guy ( I forget his name ) from the collection agency called me and asked me for the mo ney. I explained to him the situation, but he insisted for the amount. I told him I don't have that much money and I am not responsible for the amount. But he insisted for payment and ultimately we mutually agreed that I may pay  him {$400.00} and settle the case. But he wanted to pay the money in lumsum. I told him that I can pay {$100.00} per month. He did not agree for that and said that he will damage my credit. After that on XX/XX/XXXX two three ladies called together and start telling me to pay the money just now and asked for my credit card number. I told them that I driving now and I can not remove the credit card. Then they all shouted together and told me to park the car immediately and remove the credit card. They were shouting and shouting and telling repeatedly to pull out the car and remove the credit card. Then the Guy who talked to me first also joint with them and said if I did not pay now they will spoil my credit and start intimidate me. He said that he know how much is my credit score and he can spoil it. He also said my actual date of birth and what amount I have in the bank. I don't know how they theft my identity. I told him that I can not pay you my credit card, but I can send him a check for {$100.00} each for three months. But he insisted for credit card and said that if I have to pay by check I have to pay the full amount and later somehow the call was disconnected. 

So I am scarred and I don't know how they theft my identity like credit score, date of birth and bank balance etc. So I fell ill and my XXXX XXXX and XXXX and all other XXXX I had increased and I was XXXX for two days and I have been taking more doses of my XXXX XXXX and XXXX medicines. So I don't know what to do at this age of XXXX. I have not breached any contract. I had to sell my house because of old age and XXXX had agreed for disconnection vide their confirmation no XXXX. 

So I am submitting these fact for appropriate action. Thanks.

Company response to consumer: Closed with explanation