Received XXXX letters from Action Collection Agency XXXX XXXX regarding a " debt '' from my XXXX. Upon calling the first time, with my insurance provider, they could not verify the correct amount for the claimed date of service or any other details of the debt. After this initial call ( no payment ), I called the provider and verified the date of service, amount, and received an itemized bill showing I had a zero balance. I also have my insurance 's explanation of benefits showing the payment posting directly to my provider. 

Today XXXX XXXX XXXX, 2016 XXXX, I called ACA back to verify the debt and spoke with several different people, each having to " check '' with a supervisor about basic information including a license number, the company address, requesting a verification letter, and the discrepancy in amount being collected. No one had any information and I was told my letter would be sent in 30 days ( when by law it should be sent in XXXX ). 

Throughout this process, each person I spoke to was belligerent, refused to listen, and kept changing their story. At XXXX point the " supervisor '' XXXX XXXX XXXX ID # XXXX ) told me the account had an " XXXX on the bill and when I asked how did he have the bill, he said he knows the insurance paid a portion of the claim. How could this be on the " bill '' with XXXX in place. 
