XXXX XXXX send me a renewal policy XX/XX/XXXX.The policy was much higher than the previous year. I decided to go with another company and I did not realize that I had to give decline in writing. 
A collection company R.M.S ( Receivable Management Services Corporation ) contacted me to set up a payment plan.I was contacted by XXXX XXXX XXXX. Agent I came to a payment agreement that XXXX XXXX negotiated with XXXX XXXX. 
The agreement of XXXX payments of {$160.00} totaling {$1200.00}. My first payment was on XXXX XXXX 2015. XXXX, XXXX, XXXX all checks were electronic and everything went smoothly. XXXX I send a check on the XXXX XXXX for the regular {$160.00}. I received a text notification that my account was overdrawn on Monday morning. I looked into my account and noticed that {$1000.00} had been deducted instead of the regular {$160.00}. I went directly to the branch and my banker contacted XXXX XXXX and asked to reverse the excess funds. XXXX thing happened XXXX we could not access the account as it had been closed. Keep in mind this was XXXX XXXX time on Monday morning. No one including XXXX was willing to help in any way as she was well aware of our agreement fully knowing that there was a serous over pay.After many attempts in the branch and within the coming days i tried with no success as no one was willing to discuss this.Every phone call was transferred to another person which led to nobody and finally it disconnected. The anger and helplessness was emotionally upsetting. Thankfully after evaluating my problem XXXX reversed the payment. I was told to close my account and open a new account. In XXXX I received a call from XXXX XXXX who said I owe money at first I could not believe she would call after everything that I went through.She was not apologetic. i was so disgusted I wanted nothing to do with them. I received a letter and called to be told that it was given to a law firm. 
I have not contacted the law firm .I need your help as they lied to me on several issues. They tried to grab money illegally and thanks to XXXX they saved me would have no recourse finacially to is to expensive to obtain a law firm.. 
