Poor service, then uncalled for threat from Bankmed

I have just had the most unpleasant service experience in years, leaving a financial services organisation and trying to resign as a Bankmed member. The service provider has been absolutely unhelpful, dragging out the termination of my membership without any good reason. To add insult to injury, I just received a call from Bankmed, telling me that I owe money due to a clawback of benefits already used for the year (I have no problem with that) and threatenig me that I will be handed over for debt recovery if I don't pay within six days. I don't ever need to be threatened to pay anything I owe (as I write this, I have already settled the outstanding amount) and, after the last month's excruciating experience, this threat was utterly uncalled for. If only they were as efficient in off-boarding me as they are in ******ing payment, I would have left with a very different sentiment.