Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: this is my story i had a acct with a bank called XXXX last year, XXXX night when it was late and i was bored i went checking out dating sites to see who offered trial memberships, cause i had very little money in my acct. so i found a place called XXXX i believe they offered a 3 day trial for like XXXX and change or XXXX and change, now knowing i could not join for a month plus i did not just want to i checked there 3 day trial period put in my info hit submt, next thing i know it shows on my comp i successfully upgraded to 6 months for XXXX i almost dropped dead. i immed called them told them this was there error correct it at once they were very rude nasty and hung up. the following day i called XXXX bank explained what happened they said they would dispute it. well end result was the bank took the merchants word over mine, why in gods name would i sign up for a 6 mo membership at that price when i only had about XXXX dollars in my acctso because i believe i was treated unfairly by the bank and they took a complete stranger say so over there customer i closed the acct, since that day they have continued to add charges to the orig wrong amount that now its over XXXX XXXX dollars. now a collection agency is threatening me with action unless i pay this immediately there name is cbhv located in XXXX ny, i sent them a letter telling them the bank was at fault not me but even though i was not at fault i was still willing to work something out but not for over XXXX hunfred dollars, they if not today should rec this letter this week, in todays mail another letter came telling me i have 7 days to pay or whatever, so i tried to call the office and explain my situation and work out some kind of agreement even though again i was not wrong. i called them 4 times said who i was each time they hung up so now im fed up with them period. i want complaints filed against them as many as you can.. there phone number is XXXX XXXX XXXX if you call good luck you are gon na need it. what i had intentions of doing which i stated in my letter i sent to them even though this whols matter was not my XXXX im no fool and choose to not be treated as XXXX. the name of that site i believe exactly was XXXX is to split the difference, but im on a fixed income ss XXXX and have many bills to pay here this so called collection co i call the XXXX artists when i called 4 times and was hung up om didnt even let me say a word, i feel first i was in the right all along and was not believed then even when i was willing to compromise and split the diff only over a period of time and was hung up on 4 times they deserve nothing no longer. but if they are willing to talk ill listen but it has to be on my terms any help you can give me will be great im no fool and im not gon na be treated as XXXX by anyone. the name of that site i believe is XXXX i think any assistance you can give me would be greatly appreciated. ty regards. XXXX XXXX my email XXXXXXXXXXXX or phone XXXX ty again XXXX XXXX

Company response to consumer: Closed with monetary relief