Disclosure verification of debt

I was contacted on XX/XX/XXXX while I was overseas by a collection agency XXXX XXXX represented by XXXX XXXX : XXXX about a claim number XXXX turned out ABC financial XXXX runs the billing for Best Fitness gym in XXXX NY XXXX sold them a debt of XXXX $ that I supposedly owe them.
She refused to give me the option to challenge the debt or to send me anything in written that would explain this exuberant debt. The monthly fee is XXXX $ and I stopped paying them since XX/XX/XXXX. Here is why : on XX/XX/XXXX I signed a XXXX yr contract with the gym. On XX/XX/XXXX, I called to cancel as I have n’t used the gym since XX/XX/XXXX XX/XX/XXXX or so and I lived in New York XXXX. They sent me an email with the address to which I should send a copy of a bill to prove that I moved ( XX/XX/XXXX, XXXX ) .I mailed them the same week that bill to the address provided to me in the email of XXXX XXXX unfortunately I have no proof of that mail no more ). In XX/XX/XXXX I noticed on my credit card statement that I am still being billed by the XXXX company. I called to tell them my subscription should have been cancelled since XX/XX/XXXX. They denied receiving anything and said that XXXX XXXX to whom I had talked to in XX/XX/XXXX was no longer an employee and they are not responsible for any correspondance between the XXXX of us and insisted on making me pay all the charges. I mailed them again another bill with certified letter this time of my new address XXXX XXXX XXXX and asked the credit card company to stop payments and to revert payments made after XX/XX/XXXX XXXX considering they should have stopped payment at that time, XX/XX/XXXX XXXX mo ). XXXX, in the event that I actually do owe them sthg still, it is definitly not XXXX $ which is more than 2 years of membership all together. I thought of contacting ABC financial but then I read about the scams of the collection agency and that even people who settled with the original company ended up by getting more phone calls and hassles. Can you please help me fix this issue once and for all? The only option XXXX fund gave me was to either pay the whole sum or get reported to the credit bureau on the spot!! and by the way XXXX is rude and practically accused me of lying to her as I complained I could n’t hear her well while using a roaming service and when i asked her if there isn t a way to challenge this debt in some court or negotiate it and for her to send me something by writing, she goes : no, and if you do good luck, they re very good at getting every penny from anyone they want!!!!
I am reaching out to you because I feel any further discussion with this company is not going to be in my favor as I have found lot of ripoff reports and complains of people who were in my situation. Thank you

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