Cont’d attempts collect debt not owed

On XXXX/XXXX/16 XXXX cancelled my insurance policy without notifying me in any manner. In a letter dated XXXX/XXXX/16 I received a partial refund check of {$490.00}. I received this check in the mail on XXXX/XXXX/16. Therefore this was my first and only notice that the policy had been cancelled. My policy premium that I paid was {$2400.00}. I immediately advised the XXXX agent XXXX XXXX that I had n’t received the remaining {$1900.00}. XXXX refused to pay this amount. They held this money and would not release it until I was ” forced ” by the agent to sign a form.

They continued to hold my premium money for a month and a half. On XXXX/XXXX/16 I finally received only a portion of my premium. The amount was {$1800.00}. I am ” still ” owed {$140.00} of that premium. I do not owe them any money. They in fact owe me the remaining {$140.00}!

I have now received a debt collection threat totalling {$49.00} from CREDIT COLLECTION SERVICES in XXXX MA.

Based on XXXX ‘s cancellation I do not owe XXXX any money, they in fact still owe me the remaining {$140.00}.

I am being harassed for this money that I do not owe and am being threatened with this going on my credit report and affecting my credit score.

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