Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brown and Joseph, Ltd
State: CO

Complaint narrative:
Our policy with XXXX XXXX was cancelled in XXXX XXXX agent did not cancel the policy as directed in writing. We went back and forth for months trying to get the issue ressolved. I have email communications from the agent apologizing for the oversight and finally on XX/XX/year> I recieved an email saying : Business Owner 's Policy - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( for audit ) Umbrella Policy - XXXX The carrier will send you a copy of form tomorrow that you will need to fill out. Once completed, the carrier will proceed with the audit. The audit will take around 10-15 days. A return of premium will be processed for the amount of {$2000.00}. 

I completed said form and as a result a refund was issued to me by XXXX XXXX in the form of a check. Now a collection comany called Brown & Joseph , LLC and a representative named XXXX XXXX started to contact me saying I owed money to XXXX XXXX. I told XXXX XXXX verbally and in email that I dispute this debt and explained the situation to her. She would not listen and kept saying I owed money as I did not complete the required form to cancel these policies. I told her that was false and I have it in writing from the agent I did in fact complete all required forms. Additionally, XXXX XXXX issued me a refund after my completion of the form, so if I had owed money on these policies or did not complete the required form, then why would they have sent me a refund check? I also requested from XXXX XXXX multiple times in writing a detail of the account and the alleged debt she claimed I owed, this was never provided to me by XXXX XXXX. I have an email from the insurance agent of record dated XX/XX/year> stating my paperwork had been recieved and was being processed by XXXX XXXX and was being backdated to my orginal request to cancel date. The agent asked me to submit a XXXX page of my new insurance to XXXX XXXX and I did so via email on XX/XX/year>XXXX XXXX XXXX XXXX I then recieved a response from the Insurance agent on Monday XX/XX/year> confirming the requested XXXX pages I sent on XX/XX/XXXX had in fact been recieved and were processed by XXXX XXXX and that I would have a refund check in the next few weeks. 
I contacted XXXX XXXX and was told the policies were cancelled per my request and my refund had been issued for the overcharging of premiums. Today I recieved a threatening voice mail from XXXX XXXX demanding I pay this amount or they would place it on my business insurance record so I will be deemed uninsurable. As a result of XXXX XXXX XXXX  threat, I paid the monies she claimed I owed to avoid this while we try and sort this out. Again, I have requested in writing from her on multiple occasions a breakdown of the account and alleged debt and she failed to furnish this. 
As stated above, I disputed this debt in writing multiple times and was never provided a detailed accounting of alleged monies owed by this firm. 
I would ask your help in getting this mess sorted out and helping me get a refund from this corrupt company.

Company response to consumer: Closed with explanation