National General Insurance Account sent to Debt Collector without any previous knowledge of bill Maryland

Back in 2011 I purchased a new vehicle, 2011 Cheverolet Cruze, and was offered an awesome Insurance Premium by then GMAC. The annual policy was nearly $800 cheaper. I actually really like GMAC until the purchase of my house in early 2013. I had lived in MD for 14 years, and had my car insurance in MD. The house I purchased was in PA, so I had to begin switching everything over. I got the car registered in PA and called GMAC to switch the policy over. Figuring it shouldn't be any more expensive, and if anything cheaper since PA has lower cost for insurance. Boy was I wrong. The quoted me at nearly 150% higher than what I had been paying in MD. Knowing that my policy was about to expire in early March I began shopping around and found a GEICO agent around where I purcahsed my home that offered a monthly premium $80 less than what I had been paying in MD. So I jumped on this offer and promptly called GMAC to notify them of my change in insurance coverage. I was even warned by the lady on the phone that if I cancel my insruance policy before having an active policy with another compnay I could be fined by the State of Maryland. I did not worry about this as I was leaving the state and my vehicle was no longer registered to the state of MD.

Approximately one year later I received a phone call from a debt collector saying I owed National General Insurance $94 for a canceled Auto Insurance Policy. I told them that they were incorrect as I had never had insurance with NGI. I was not aware at that time that GMAC had changed their name. Likely due to the shady under handed tactics their customers became privy to after being with for a while. New name, new reputation. Anyway, once I was informed that NGI was GMAC I explained the situation to the gentleman who called and he suggested I call GMAC/NGI to get this resolved. SO I did that. Sevreal times. First tme I called I was transferred and put on hold, I waited for nearly 20 minutes. Second time I called I was told it was the wrong department and I was hung up on. After several other attempts of the same thing I stopped trying.

Now it has been 8 or 9 months since then and I am receiving calls again. Having to explain the situation all over. This time the gentleman I spoke with offered to file a dispute claim with National General Insurance. I doubt it will lead to anything, as I am sure somewhere in the dirty dealings of this business they did fabricate a bill to charge me to have some kind of "proof". Either way my lesson has been leanred and everytime someone asks for an opinion on this company I advise them to stay as far away as possible.