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[quote=Anonymous][quote=Anonymous]OP here. Finally I got a letter in the mail from the collection agency and was able to see which bill they're chasing me down for. I paid the bill 2 months ago and I checked the bank statement and it had gone through. So I called the collection agency to let them know and I gave them the confirmation number. She then asks for my bank details  :shock:  I refuse and she gets rude.

I wasn't given any late notices and didn't start getting the phone calls until a month after I made the payment. I didn't get anything in writing until a month after that. So is it my responsibility to request a receipt, send it to the collectors and prove the payment was made? This just seems so silly. How can they threaten to take me to court over a bill I no longer owe? [/quote]

OP, I'm the PP who advised you to deal directly with the billing office.

Of course the collections agency can threaten whatever they want to threaten.  Let me tell you what probably happened.  This probably happens all the time.

1. You were late paying a bill.
2. Billing office forwarded your bill to collections.  Collections is happy to take the case.  If you pay them, they will keep a cut.  
3. You paid the bill to the medical provider.  
4. Billing office didn't get around to letting collection agency know that you paid the bill.

Collection agencies are contracted to work for medical (or whatever other) billing offices.  Who do you think forwarded your bill to the collection agency?  You probably know what I'm going to advise, but I'll spell it out.  Call your billing office.  Ask them to confirm they received your payment.  Inform them that their collections agency is harassing you, and that you need them to instruct the collections agency to stop contacting you.  Request the billing office to inform you in writing what (if any) actions the collections agency took to affect your credit.

Remember that every time you check your own credit, this action is recorded and it affects your score negatively.  
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