In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.