Product: Debt collection

XX/XX/XXXX XXXX uncontrolled illness resulting in ambulance ride to XXXX. Ambulance company dispatched XXXX XXXX XXXX hereafter referred to as XXXX XX/XX/XXXX - XX/XX/XXXX Multiple phone calls between myself and XXXX XXXX sent to me for {$1700.00} I called to give them my insurance information they said they did not have it. Bill was due on XX/XX/XXXX in full, I said I would not be paying anything until my insurance was billed and paid their portion. They said I may be sent to collections for non payment as of the XXXX due date. XXXX processed the claim and said they wouldnt be making any payment as XXXX is out of network I didnt think this was allowed given it was an emergency and I thought the No Suprises Act in effect since XX/XX/XXXX protected against balanced billing and I think this may be balanced billing? I wanted to call XXXX to gain more understanding. I am very busy and was unable to call XXXX right away. In XX/XX/XXXX XXXX sent a new bill for {$1300.00} saying Im considered self pay and thats the amount due for self pay. In XXXX XXXX changed the amount due back to {$1700.00} stating my insurance communicated to them they would be making a payment so I dont get the self pay discount and amount is again {$1700.00}. Early XXXX began getting multiple calls from Creedence collections agency XXXX sent my account to them in collections for the amount of {$1700.00}, on XX/XX/XXXX I spoke with Creedence with XXXX connected on the line. XXXX said they have evidence I was sent money from XXXX  to pay this debt and because of that I was responsible for the {$1700.00} but my debt was sent to Creedence and thats where I would make payment they could no longer accept payment on this account. Creedence was on the line and said if I would pay {$1300.00} they would remove the additional amount of {$330.00} writing it off in exchange for me paying in full that day and if I didnt I would be credit reported possibly at some point. The discount of {$330.00} was only good if I paid in full in that moment so I did. I was told the account balance was at XXXX and now closed by Creedence and XXXX. XX/XX/XXXX I contacted XXXX to inquire about the payment they apparently made? I didnt get a payment from them and my EOB didnt make sense, they sent it for review and on XX/XX/XXXX made a new EOB and showed they needed to make a payment of {$400.00} which they did direct to XXXX XXXX XXXX XXXX XXXXy XXXX ) clearing their bank XX/XX/XXXX. I requested the {$400.00} be refunded to me since the account balance is XXXX and was settled in collections they cant now accept a {$400.00} payment on an account with a XXXX balance? My conversations with XXXX is attached they have not been helpful in resolving the issue or explaining why they wont refund me anything but {$60.00}. They did send me a {$100.00} thank you gift card for my time spent ( a lot of hours ) leading to insurance making a payment to them. Lastly today I called Creedence to verify my payment of {$1300.00} to verify this was a discount given under the agreement that I would pay that day, that insurance had they made a payment later would have no bearing on my discount I got making the total {$1300.00}, the account was paid in full as of 8/18/23 and closed in their system. They did not show any record of the {$400.00} payment XXXX got on XX/XX/XXXX. See all attached documents. Thanks