Product: Debt collection

I filed a complaint with the XXXX XXXX XXXX & XXXX XXXX XXXX recently, regarding cancellation of an insurance policy with XXXX XXXX. XXXX frequently lies about policy premiums, then raises the costs later by surprising you with a huge bill that no one can explain. This happened to me for my XX/XX/XXXX payment. It went from $ XXXX which I was told at the time of the quote & afterward that this would be my monthly pyt. going forward. Well in XXXX I received a bill for $ XXXX! Far from the $ XXXX I was promised would be my pyt. I called to get explanation of the increase & was given the worst responses ever! I was told " that's the best we can offer you at this time '' or " the $ XXXX wasn't a permanent pyt, it was to make up past pyts. '' WHAT???!!! What past pyts.?! No one could explain any of it. I tried several calls with the same inept results. I went to the XXXX & XXXX XXXX XXXX. The XXXX got a faster response with some nameless person sending me emails still claiming I owed them the $ XXXX when I cancelled their policy on XX/XX/XXXX & went to another carrier. So there should've been an adjustment but there was never any made. They still expect me to pay for a policy I canceled to their due date which I still refuse to pay! I paid down on the $ XXXX they claim I owe with small pyts from my BP service with a credit union account. They've accepted them but have not reduced the amount owed or acknowledged that the pyts have been received. I have the bank stmts showing the pyts made on the renters & paying it off. I recently made a very small pyt on the auto for which I show I only owe {$130.00} for the auto policy MINUS the days they DID NOT insure my vehicle! Yet no notification of any of the pyts has been presented. I told them if they dinged my credit or sent me to collections I would not respond favorably. On XX/XX/XXXX I received a collection letter from a co. I never heard of with the same $ XXXX showing that I owe that I don't owe & have disputed multiple times with XXXX . So the collection co. has the gull to try to charge me an amount I don't owe, they never verified whether there was any type of disputes outstanding, which there is with the XXXX XXXX XXXX or if the amount was even accurate. They just greedily took the account like most inept collection companies do, sent out the letter to me demanding pyt. & expected me to get scared & pay it. I don't frighten easily! I tried to call them to tell them I refused to pay it & why but they only have an auto pyt. acceptance line, no way to contact a live body. So I hung up & sent their letter to the XXXX XXXX XXXX to show that XXXX is not responding to them or trying to work things out with me. In addition I'm filing this complaint about the collection company because they're idiots by thinking I'm going to pay a bill that's in dispute! I refuse to pay them or XXXX until we agree on the actual amount I owe! XXXX needs to update their system to show the renter policy has been paid in full & the auto needs to be adjusted down. They've done nothing but send me late notice emails which I blocked all of them except the PI Investigation email. That one is next to be blocked if they don't resolve this ASAP! This collection company should've been smart by making sure there were no discrepancies between Insured & Insurer but they didn't. They were just greedy just like all collection companies are. I refuse to deal with or respond to them or XXXX.