Debt collection -- Attempts to collect debt not owed -- Complaint #4722631
Complaint Overview
Complaint ID: 4722631
Company: Hillcrest Davidson & Associates
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Virginia
ZIP Code: 231XX
Date Received: 2021-09-15T12:00:00-05:00
Date Sent to Company: 2021-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : I closed my account with XXXX on XX/XX/XXXX. When I first canceled the account XXXX did tell me that if the new homeowners did not pick up service, I may be charged {$700.00} for the equipment. For several months I was careful to watch for additional charges but there were none. I heard nothing more from XXXX, paid my final bill and assumed the matter was finished. In XX/XX/XXXX I began receiving calls from a collection agency, XXXX XXXX XXXX XXXX, XXXX TX. On XX/XX/XXXX I spoke to XXXX. She informed me that XXXX forced a vendor to buy back equipment from my XXXX account because I had only had my service for one year. XXXX never attempted to reach me to buy back my equipment. No other service attempted to reach to me to buy back my equipment. XXXX said that my equipment was put in by a company no longer in business - " XXXX XXXX XXXX ''. That " XXXX XXXX XXXX '' had been merged with a company called " XXXX XXXX '', and that both had been purchased by XXXX. Now, neither business exists but my " debt '' is to XXXX XXXX. I told XXXX no one had attempted to contact me, and that I was not familiar with XXXX XXXX XXXX, XXXX XXXX, OR XXXX Representatives. I told her if I actually owe someone, I'd like to speak to them personally. She stated that it was now against the law for me to speak to them personally because it was in collections. She said they must have tried to reach me at my old address and this is why I never received any notice. However, my mail was forwarded from that address. So that did not make sense either. She stated that they had agreed to settle my debt for 75 % of the original cost and now I only owe $ XXXX. I stated that's odd, the debt has increased, however, if I do owe this, I would be willing to possibly negotiate to 50 %. She left the phone, came back and said that they were willing to drop it to $ XXXX. I said, how would I pay that. She said we except Visa, XXXX, XXXX XXXX, and XXXX. I said, I would like to pay by check, to which she said, I was able to do that, but if I did it would be at the higher amount of over {$1000.00}. I called XXXX. They assured me that my account with them was clear. I owe nothing. They also sent me a letter stating that my account is in good standing and my balance is {$0.00}. The collection agency did threaten to hurt my credit, which today has a FICO score of XXXX. Please advise. Warm regards, XXXX XXXX
Frequently Asked Questions
What is Complaint #4722631 about?
Complaint #4722631 was filed against Hillcrest Davidson & Associates regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-09-15T12:00:00-05:00.
How did Hillcrest Davidson & Associates respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Hillcrest Davidson & Associates?
Yes, visit the Hillcrest Davidson & Associates company profile at readthecomplaint.com/company/hillcrest-davidson-associates to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.