I have full coverage insurance with XXXX XXXX XXXX of Texas and they have agreements with hospitals and the doctors that the hospitals contract with. I do not have any deductible that I need to pay, but XXXX XXXX XXXX has turned over a bill in the amount of {$27.00} to a collection agency I guess in spite, due to their irritation that XXXX XXXX had adjusted their bill in the amount that they had contractually agreed to do work for with them. They feel that their last and only way to get back at some one is to hurt my credit by putting it into collections against me for such a measly amount with CREDIT SYSTEMS INTERNATIONAL instead of just abiding by their agreements.