TekCollect Inc.

I entered into a financing agreement with XXXX for orthodontic treatment, which included a full course of aligners and ongoing support until completion. Payments were made under the understanding that the full treatment would be provided. In 2023, XXXX filed for bankruptcy and ceased operations before my treatment was completed. As a result, I did not receive the full services I paid for and was unable to finish my treatment or receive proper follow-up care. Despite the service not being completed, my account was still reported as owing a balance and was placed into collections. This account has also been reported to my credit file, negatively impacting my credit. I have attempted to resolve this issue by disputing the debt through credit reporting channels and requesting clarification of the account.…

Read full complaint at CFPB →

In 2023, I entered into a contract with XXXX for XXXX treatment, which included both aligners and post-treatment retainers. I completed the aligner phase of treatment ; however, XXXX filed for bankruptcy and ceased operations before providing the retainers included in the service. As a result, a required portion of the contracted service was never delivered. This constitutes a material breach of contract. Despite the service not being completed, a remaining balance of approximately {$1200.00} was sent to collections and is currently being reported on my credit. My XXXX financial institution investigated the charges and processed reversals related to this issue, indicating that services were not fully provided. Despite this, the collection account remains active and continues to negatively impact my credit. I dispute this debt because it arises from an unfulfilled contract and is not legally owed.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am being contacted by TekCollect regarding an alleged debt connected to a XXXX account that I financed in XX/XX/year>. Shortly after entering into the agreement, XXXX filed for XXXX XXXX bankruptcy on XX/XX/year>, and by XX/XX/year>, the company ceased all operations, including customer support, treatment monitoring, and access to its mobile application. As a result, my orthodontic treatment was left incomplete and without any medical supervision or ability to continue. Due to the lack of support and physical discomfort experienced during treatment, I discontinued use of the aligners after approximately three months. The remaining aligners are unused. Despite the providers failure to deliver the full contracted service, the account continues to be maintained and reported by the financing company, and TekCollect has been engaged to collect on the remaining balance.…

Read full complaint at CFPB →

In XX/XX/XXXX, I financed orthodontic aligner treatment through XXXX via a Retail Installment Credit Sale Contract for {$1800.00}, processed by XXXX XXXX XXXX, XXXX. I made payments faithfully toward this obligation. XXXX ceased operations and filed for bankruptcy in late XXXX. At that time, I was near the end of my treatment and had not yet received my final retainers, the items required to complete and maintain my results. Because XXXX closed, I was unable to receive the remaining contracted services or obtain replacement retainers. My XXXX shifted back, and I have been advised by a XXXX that I will need to restart XXXX treatment entirely. I stopped making payments because the contracted services were never fully delivered. This is a failure of consideration, which is a valid defense under contract law. The debt has since been placed with TekCollect, Inc.…

Read full complaint at CFPB →

Good morning, In XX/XX/XXXX, I was in the process of getting aligners through XXXX XXXX XXXX. I was not aware that the company had filed for bankruptcy in XX/XX/XXXX ; otherwise, I would not have moved forward with the purchase. The same week I was expecting to receive the aligners, XXXX XXXX notified customers via email that they had filed for bankruptcy. As a result, I never used or received any functional services tied to the aligners following that notification. Shortly thereafter, I was unexpectedly informed that I owed a debt related to these services, despite the fact that the agreed-upon treatment and support were never provided. At this point, my health insurance has paid {$1000.00} toward aligners for which no services were ever rendered, and I personally paid a {$250.00} initial deposit. Despite this, XXXX XXXX transferred the account to TEK Collection Services, which later reported the alleged nonpayment to the credit bureaus, negatively impacting my credit.…

Read full complaint at CFPB →

After trying to open a credit card, I was notified I could not and went to check my credit score ( which I have never had any loans, credit cards, etc., this would be my first ) and a {$1000.00} debt was posted onto my account. After contacting the company, they proceeded to tell me that I needed to pay a fee in order to have this information provided, which is illegal. Here is what I emailed the company, Tek Collect. To Whom It May Concern, I am writing to formally dispute the alleged debt that you have placed in collections under my name. I recently discovered this debt, which you claim originated from XXXX ( XXXX ). However, as you may be aware, XXXX XXXX XXXX, along with affiliated debtors, filed for XXXX XXXX on XX/XX/XXXX, in the United States Bankruptcy Court for the Southern District of XXXX, Case No. XXXX ( XXXX ). Subsequently, on XX/XX/XXXX, the cases were converted to XXXX XXXX proceedings. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.…

Read full complaint at CFPB →

I am filing a complaint regarding inaccurate credit reporting and failure to properly investigate a disputed account. A collection account is being reported with an original creditor that does not match my signed loan agreement. The contract clearly identifies XXXX XXXX as the lender and XXXX XXXX XXXX, XXXX as the servicer. The reporting entity is different and unsupported by the agreement. The contract identifies a provider associated with XXXX XXXX XXXX ( email : XXXX ) However, this entity is not the lender and does not meet the definition of an original creditor. The loan was issued by XXXX XXXX, as clearly stated in the agreement. Attached is the executed loan agreement showing XXXX XXXX as the lender and XXXX as servicer. The reported creditor is not supported by this contract. I disputed this account with the credit bureaus, and it was verified as accurate without providing documentation.…

Read full complaint at CFPB →

I am filing a complaint regarding an account reported and collected by TEK-Collect Inc . I submitted a request for validation of this alleged debt. The company failed to provide sufficient documentation to verify the account. While the minor patient was being treated she was under the care of her biological father who agreed to aquire the debt and did so at the office and payment methods. Specifically, the company did not provide : - A complete transaction history - An itemized breakdown of the balance - Documentation showing how the balance was calculated - Sufficient proof that I am legally obligated for this debt Despite this, the account continues to be reported on my credit report. Under the Fair Credit Reporting Act, only accurate and verifiable information may be reported. Because this account has not been properly validated, it remains unverified.

XXXX XXXX I went for a consult at XXXX XXXX location. I paid {$250.00} for the initial scans to start a XXXX XXXX treatment. I never received anything but a bunch of phone calls and text demanding money for services I never received. The phone number went straight to a recording advising they were no longer in business. It was a huge scam. Thankfully I never got to the point to set up automatic withdrawal so they never got any money other than the {$250.00} paid up front. I now have a collection account from Tek collect inc for {$2200.00}. I have disputed this account on 5 different occasions with XXXX credit bureau. Every time the dispute was canceled but the balance remained on my credit report. This is the only negative account on my credit report and has affected my credit tremendously.Tek collect inc did send me a blank contract with the signature part missing a actual signature as proof of the debt. I never signed anything other than permission to scan for treatment.…

Read full complaint at CFPB →

I am submitting this complaint regarding an invalid collection account reported on my credit file by TEK-COLLECT INC ( Original Creditor : XXXX ) for the amount of {$2500.00}. I am disputing this debt in its entirety because it is completely invalid.I entered into an agreement with XXXX for orthodontic aligners, but the company permanently shut down and declared bankruptcy before fulfilling their end of the contract. I never received the complete product or the treatment I paid for, and they are no longer honoring the " Lifetime Smile Guarantee '' that was part of the original purchase agreement. Because the company ceased operations and failed to deliver the promised goods and services, this underlying contract is void and I owe no debt.Furthermore, attempting to collect on unfulfilled XXXX contracts has already been deemed unlawful.…

Read full complaint at CFPB →

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Tek Collect Inc Tek Collect XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Request for Debt Validation Account Number:XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges. 2. The name and address of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. A copy of any agreement bearing my signature related to this debt. 5. Proof that your agency is authorized to collect on this debt in my state. Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter.…

Read full complaint at CFPB →

TEK-Collect Inc is reporting collection account XXXX with a XXXX balance on my XXXX credit report for an alleged debt originally owed to XXXX. This account does not appear on either my XXXX XXXX XXXX credit reports. The selective reporting of this collection account to a single bureau out of XXXX is a significant accuracy concern. A legitimately owed and accurately reported debt would be expected to appear consistently across the major bureaus. Instead, TEK-Collect has chosen to report only to TransUnion, which raises questions about whether this debt is accurately attributed to me and whether TEK-Collect has verified its right to collect and report this obligation. TEK-Collect has not provided any debt validation documentation including the original debt documentation from XXXX, XXXX complete account history, chain of ownership documentation establishing TEK-Collect 's right to collect, or an itemized balance breakdown showing how the XXXX amount was calculated.

I am filing this complaint regarding a derogatory account that is being reported on my credit file that does not belong to me. Account number : XXXX I have reviewed my credit reports and identified an account listed under my name that I do not recognize and did not authorize. I have never opened, used, or benefited from this account in any way. This appears to be the result of a reporting error or potential identity theft. I have previously disputed this account with the credit reporting agencies and/or the furnisher, but the inaccurate information remains on my credit report. This is negatively impacting my creditworthiness and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate, incomplete, or unverifiable information removed from my credit file. I am requesting that this account be thoroughly investigated and permanently deleted from my credit reports.…

Read full complaint at CFPB →

I am disputing a collection account reported by Tek-Collect Inc. related to XXXX. After beginning treatment, I used only the initial set of aligners and reviewed the treatment plan. At that point, I realized the treatment would not address my orthodontic needs, and I promptly initiated the cancellation process with XXXX. I was in communication with their support team and was provided instructions to complete a virtual return in order to finalize the cancellation. In the days following this communication, I made multiple attempts to contact XXXX by phone to confirm and complete the cancellation process, but I was unable to reach a representative. XXXX ceased all global operations on XX/XX/year>. After this date, their customer service and support channels were no longer available, and I was unable to continue or complete the cancellation process despite my prior efforts. I did not receive the full or intended services associated with this account.…

Read full complaint at CFPB →

I am filing this complaint regarding inaccurate and unverified information being reported on my credit file. I have disputed the account listed below with the reporting company/collection agency ; however, they have failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Account Name : TEK-COLLECT INC Account Number : XXXX Despite my request, the company has not provided : - A signed contract or agreement bearing my signature - Complete account history showing how the balance was calculated - Proof they are legally authorized to collect this debt - Proper documentation verifying the accuracy of the account Under the FCRA, all information reported must be accurate and verifiable. Reporting an account without sufficient validation is a violation of federal law. Because the company can not properly validate this account, I am requesting : 1.…

Read full complaint at CFPB →

XXXXTekCollect, Inc. is attempting to collect XXXX on behalf of XXXX XXXX XXXX XXXX. This account originated with XXXX XXXX XXXX XXXX (XXXX Account #XXXX).XXXXOn XXXX XXXX XXXX, I sent TekCollect a formal debt validation request via certified mail (tracking #XXXX XXXX XXXX XXXX XXXX XXXX) and via email. TekCollect did not respond to my validation request within the required timeframe. During this period, they continued sending collection communications including settlement offers, which constitutes continued collection activity while validation was outstanding a violation of the Fair Debt Collection Practices Act (FDCPA).XXXXOn XXXX XXXX XXXX, I also submitted a written settlement counter-offer of XXXX with specific terms, to which TekCollect never responded.XXXXIn XXXX XXXX, TekCollect mailed documentation referencing the underlying XXXX contract.…

Read full complaint at CFPB →

I am disputing this account because the debt has not been properly validated and is being inaccurately reported on my credit report. I previously sent a written request for debt validation to Tek Collect Inc on or around XX/XX/year>, requesting documentation including the original signed agreement, itemized statement, and proof of legal assignment of the debt. I did not receive proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite failing to provide adequate validation, Tek Collect Inc continues to report this account to credit reporting agencies, which is inaccurate and misleading. Additionally, the account information being reported is inconsistent, including incorrect or incomplete original creditor information, and lacks sufficient documentation to prove that I am legally obligated for this debt.…

Read full complaint at CFPB →

I am disputing the collection account reported by TEK Collect for XXXX, account number ending in XXXX, balance {$610.00}. I requested enough information to verify this alleged debt, including the complete payment history, itemized balance, copy of the original service agreement, and proof of authority to collect and report it. I did not receive sufficient information to verify the debt. XXXX reports this account as an XXXX account with no payment history available and comments stating Placed for collection. Because TEK Collect did not provide enough information to verify the alleged debt, the account remains disputed and unverifiable. I also request that all future communications regarding this matter be in writing only.

I paid for XXXX braces using my flexible spending account in XX/XX/year>. I was accidentally charged 2x for an impression kit on my XXXX card. I disputed this with XXXX XXXX. They incidentally reversed the charges on my flexible spending account. I didnt know this until late XX/XX/year>. When I reached out to XXXX XXXX to correct the situation, I learned they had gone out of business. This was problematic because I had to use those funds before the end of the year. All of their phone lines referred clients to a local dentist for follow-up. Nearly a year later, I received notifications from their finance company attempting to collect the debt. I provided documentation, dates etc, but they continued trying to collect and ultimately put this transaction on my credit report. Since part of the price agreed upon was for a service they could no longer provide, I didnt feel comfortable using the aligners. I wish to return them, but I was not offered this option.

TekCollect is withholding information from the credit bureaus to state that the account is closed. TekCollect is not responding to attempts by TransUnion to dispute and close the collection account. TransUnion has stated that they have send an electronic notification to TekCollect to confirm that the account closed. It is unlawful for a debt owed to still reflect on ones credit report. As well as TekCollect confirming a closed account despite the status still showing that its an open, delinquent account on my credit report. It is actively affecting my livelihood. As well as stating false information in a debt validation letter stating that they have notified the credit bureaus that the account is closed.

TekCollect has canceled my collection account but the credit bureaus have yet to update my credit report to reflect that. The closed account notification was send XX/XX/2026. XXXX has yet to remove the debt even though the collection agency has closed my account and sent a notification to the three credit bureaus informing them of their decision. Im not sure where the miscommunication is coming from.

I am writing to dispute the reporting of an account with XXXX on my credit file. I had an active treatment agreement with XXXX ; however, during the course of my treatment, XXXX filed for bankruptcy and ceased all dental operations as of XX/XX/XXXX. I was notified of this in a letter dated XX/XX/XXXX, which confirmed that treatment was discontinued due to the companys shut down. Because of this, I was unable to continue treatment through the XXXX platform, which was entirely beyond my control. I understand that Tek-Collect is currently reporting this account as a collection. Since the debt is the result of the companys bankruptcy and not due to any action or inaction on my part, I request that this account be reviewed and either removed from my credit report or updated to reflect not responsible/ closed due to company bankruptcy.

I sent TEK Collect a formal Notice of Investigation and dispute regarding an account they are reporting under my name ( Account : XXXXXXXX XXXX XXXX XXXX ), which I have reason to believe was obtained and furnished as a result of identity theft, fraud, or material misrepresentation. In my notice, I clearly stated that I did not authorize TEK Collect, or any affiliated party, to obtain, use, or furnish my personal identifying or financial information. I also notified them that any alleged contract associated with this account is invalid due to fraud and is therefore void and unenforceable. I requested that TEK Collect provide proof of claim, including documentation demonstrating lawful authorization to collect on the account and verification from the original creditor that they are authorized to act on their behalf. I also requested evidence showing that I knowingly consented to the use and furnishing of my personal information.…

Read full complaint at CFPB →

I started treatment with XXXX in XXXX when I was only XXXX XXXX XXXX. I was promised that the XXXX XXXX would give me certain results and that the process would take about XXXX year. Based on those promises, I agreed to start treatment and paid approximately {$2000.00}. However, the XXXX did not work as promised. What was supposed to take XXXX year turned into almost XXXX to XXXX years because the XXXX were not producing the expected results. I continued following their instructions and using the XXXX as directed, hoping the treatment would eventually work. When I raised concerns and asked for a refund because the treatment clearly was not working, the company did not resolve the issue. Instead of giving me my money back, they kept sending me more XXXX XXXX XXXX. This kept me tied into the process longer while the problem was never actually fixed. By the time that cycle of sending additional XXXX ended, the time period where I could request a refund had already passed.…

Read full complaint at CFPB →

This is my third time reporting a complaint as the company has failed to reach out even after promising they would. The company XXXX XXXX went into XXXX XXXX years ago and has not been able to provide me with the services I signed a contract for. I do not have access to the services anymore that I was promised lifetime guarantee. I want this debt removed immediately from my credit report.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am formally disputing the validity of the alleged collection XXXX charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX ( b ) XXXX the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : XXXX of the debt, including the original signed contract or agreement bearing my signature. The complete payment history XXXX itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority XXXX collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, XXXX contact information of the original creditor for proper verification.

This is a direct notice to TEKCOLLECT to cease and desist all communication with me effective immediately regarding any alleged account tied to my name. I am exercising my rights under the FDCPA, 15 U.S.C. 1692c ( c ). You are not authorized to contact me in any way no phone calls, no emails, no letters, and no contact through third parties. This includes any attempt to indirectly reach me or continue collection efforts under a different approach.

This debt collector has done unjustifiable practices of the FDCPA. which prohibits They furnished this account that we never agreed upon, and I never sign an agreement. on A legal contract requires signatures from both parties, and I was not involved in any of it. They also failed to follow the proper five-step validation procedures according to the FDCPA I'm entitled to compensation for these violations and clearly they violated my rights and abused my privileges I demand this account be taken down immediately Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$860.00} past due as of XX/XX/XXXX.