TekCollect Inc.

I have a fraudulent account on my XXXX report for Tek Collect in the amount of {$2300.00}. I have reached out to the merchant and credit bureau to be resolved with no update in this matter. I requested that the inaccurate information be removed in reference to the FCRA.

I am filing this formal complaint against XXXX XXXX XXXX ( XXXX ) for predatory loan enforcement and unlawful debt collection practices.I signed a retail installment financing agreement serviced by XXXX to fund future cosmetic treatments with the merchant Ideal Image. I ultimately exercised my consumer right to cancel/not receive the treatments. Consequently, zero services or goods were ever rendered to me under this contract.Furthermore, XXXX XXXX has since completely shut down its corporate operations, making the unexecuted contract physically impossible to ever fulfill. Despite being formally notified that no services were rendered and that the merchant has ceased operations, XXXX has completely failed to investigate the dispute or terminate the contract. Instead, they have unlawfully forwarded an unearned, fraudulent balance to a third-party debt collection agency, TekCollect.…

A collection agency ( XX/XX/XXXX ) is reporting a XXXX account on my credit report. XXXX has permanently shut down global operations and is no longer in existence. Because the original creditor is dissolved, XXXX XXXX can not legally validate the debt. What happened : I disputed the account with the credit bureaus. XXXX XXXX provided incomplete validation that does not include original documentation. They can not produce a signed contract, billing statements, itemized charges, XXXX, or payment history because the original creditor is dissolved. Law violated : FCRA XXXX ( a ) unverifiable information must be deleted FCRA XXXX ( b ) maximum possible accuracy FCRA XXXX furnisher must maintain accurate records

I am writing this letter explaining why I should not have to pay the balance of XXXX to XXXX at XXXX XXXX at XXXX XXXX XXXX # XXXX XXXX pa XXXX I started treatment XXXX XXXX and they stopped my services XXXX XXXX and was sent to XXXX XXXX XXXX for XXXX I did not finish my session

I have filed a complaint with the XXXX XXXX XXXX regarding TEK COLLECT and am now requesting that the CFPB conduct a thorough investigation into this companys collection and credit-reporting practices. I have repeatedly requested proper documentation and validation of the alleged debt from TEK COLLECT, both by phone and through multiple written dispute letters. To date, I have not received proper documentation establishing that I am legally responsible for this debt, that the balance is accurate, or that TEK COLLECT has the authority to collect and report this account. An invoice alone is not sufficient documentation or validation of an alleged debt. I have requested supporting records, including documentation from the original creditor, an itemized accounting of the balance, proof of TEK COLLECTs authority to collect, and documentation showing how this account was verified before being reported to the credit bureaus. I have not received this information.…

In XX/XX/year>, I visited an XXXX XXXX in XXXX, XXXX, where I was told by the dentist at the time that I needed my bottom teeth pulled I had them pulled, and I also had them form a lower denture for me. The lower denture they form for me did not work I went back several times with it to complain about it. They never fixed it. They never did anything but try to adjust it. It was unusable to this day. I still can not use it. I had identify financing in house with them, and after not being able to use the product that I was paying for I tell them that I was not going to make any other payments until they agreed to either replace it or refund the money that I had spent on getting this done. They have now turned over the bill to accompany called tell collect which have now made a XXXX inquiry on my credit report.…

Subject : Formal Dispute of Debt and Request for Immediate Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the debt that your company is attempting to collect on behalf of XXXX. When I enrolled in XXXXXXXX XXXX program, I did so with the understanding that I would receive orthodontic treatment and ongoing care from licensed dental professionals. However, approximately three weeks after I began the process, XXXX ceased operations and filed for bankruptcy, resulting in the termination of its services. Because the company shut down shortly after I enrolled, I never received the treatment, professional supervision, or services that were promised under the agreement. Therefore, I dispute the validity of this debt and do not believe I am financially responsible for charges related to services that were never provided. I respectfully request that you conduct a thorough investigation and provide complete validation of this alleged debt.…

I recently checked my credit profile and saw a collections on my profile. I have excellent credit I have never been late nor applied for credit. looks like someone has opened credit in my name with a dentist. I need this to be removed immediately. I also reached out to them to stop contacting me I told them I was not responsible for this debt. I need help asap the company is TEKCOLLECT

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX XXXX and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant XXXX and XXXX, affecting my XXXX XXXX and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

On XX/XX/year>, I attended my initial XXXX appointment and made my initial payment for treatment. I was advised that my aligners would be shipped within approximately six weeks. When the aligners arrived, I discovered they did not fit. Upon reviewing the information in the XXXX app, I found that the account displayed another customers information, photographs, and dental images. The information appeared to belong to a male customer rather than me. I immediately attempted to resolve the issue through the XXXX app and repeatedly notified the company that I had received another persons aligners and account information. When I was unable to obtain assistance through the app, I began communicating by email on XX/XX/year>. During those communications, XXXX advised that a video call would need to be scheduled so that I could destroy the incorrect aligners while they observed.…

XXXX XXXXXXXX went out of business and did not provide my aligners to continue treatment to fix my teeth.

I attempted to have the collection removed from my XXXX account for a XXXX XXXX XXXX amount that Tek Collect claims is mines. First I disputed the amount on-line bearing no result. Then my financial counselor and I sent a dispute letter to XXXX and they refused to remove the account. I have never received any documentation proving that the account is mine. Therefore I want the collection amount removed from my report.

Date : XX/XX/year> From XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Tek-collect XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XXXX Validation for Account No. XXXX To Whom it May Concern : This letter is in response to your contact about the alleged credit card debt you have identified. This is neither an acknowledgement of debt or a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter. 1. Creditor 's name and full address2. Name of debtor of record3. Full account number of debt4. Amount of debt5. Due date of debt6. Original charge off or delinquency date7.…

I filed a complaint against TekCollect and XXXX XXXX XXXX in XXXX of XXXX. Both complaints have been closed and I have document proof that XXXX adjusted my account to {$0.00} and would cease collection efforts. However, a few days ago this debt from TekCollect collections negatively affected my credit score. I have attached the response from XXXX back in XXXX as well as the results from TekCollect. I made multiple efforts to contact someone from TekCollect with no response.

I financed orthodontic treatment through XXXX XXXX XXXX ( XXXX ) for services provided by XXXX. I paid a substantial portion of the account before XXXX ceased operations and shut down its business. The treatment was intended to include continued monitoring, refinements or re-alignments when necessary, and support if aligners or retainers did not fit properly. After XXXX ceased operations, those follow-up treatment services and support options were no longer available. As a result, I was unable to complete treatment or receive the full benefit of the services contemplated under the agreement. I made payments on the account for an extended period and paid more than half of the financed amount before discontinuing payments. I stopped making payments only after I was no longer able to obtain the treatment-related services and support that were part of the overall treatment process.…

I am submitting a complaint regarding a collection account being reported by Tek-Collect on behalf of XXXX. I dispute the validity XXXX accuracy of this debt and request a thorough investigation. I never completed my treatment with XXXX. During treatment, the aligners/retainers caused painful XXXX XXXX XXXX in my mouth. I submitted complaints XXXX XXXX regarding these issues XXXX attempted XXXX obtain assistance, but I did not receive a response before the company ceased operations XXXX ultimately filed for bankruptcy. As a result, I did not receive the full benefit of the services for which I was being charged. Despite these unresolved service issues, Tek-Collect XXXX XXXX a collection account on my credit reports. Additionally, I never received a debt validation notice or any documentation from Tek-Collect establishing the validity of this debt.…

In XX/XX/XXXX, I entered into a XXXX installment agreement with XXXX and XXXX XXXX XXXX ( XXXX ) for XXXX alignment services. I made an upfront payment of {$250.00} and consistent monthly payments of approximately {$89.00} from XX/XX/XXXX through XX/XX/XXXX, totaling multiple payments made in complete good faith. On XX/XX/XXXX, XXXX filed for XXXX XXXX XXXX and subsequently was liquidated under XXXX XXXX. They permanently ceased operations and never completed my contracted XXXX treatment. I was the victim of XXXXXXXX XXXX failure, not the cause of it. Following XXXXXXXX XXXX closure, TekCollect, Inc. contacted me via email attempting to collect an alleged debt of {$1300.00}. I took the following actions to dispute this debt : - I sent a formal debt validation request to TekCollect via email disputing the validity of the debt on the grounds that XXXX breached the contract by failing to complete my treatment. - I filed a CFPB complaint against TekCollect.…

I had an order with smile direct on XX/XX/year> with promises of professional help throughout the treatment plan from start to finish and I was promised a XXXX XXXX after the bankruptcy but it was false. The service was made unavailable as well as any contact with the orthodontists. I enrolled with XXXX and financed treatment through XXXX XXXX XXXX. XXXX ceased operations before completing my treatment. As a result, I did not receive the full services, support, refinements, or guarantees promised under the agreement. I dispute the remaining balance because the contracted services were not fully delivered. I request validation of the debt, a review of the remaining balance, and correction of any inaccurate collection or credit reporting.

I am writing to formally dispute a debt referred to collections by XXXX XXXX XXXX XXXX through TekCollect ( Account No. XXXX, alleged amount {$140.00} ). The facts are as follows : XX/XX/XXXX : I paid a {$100.00} refundable deposit to XXXX XXXX XXXX XXXX ( which appears on my statement as " XXXX * XXXX '' ) via XXXX card as a condition of seeing their XXXX. I was explicitly told the deposit would be refunded after my appointment. XX/XX/XXXX : I saw the XXXX. I requested the refund twice including on the day of the appointment and it was not issued. It was not my responsibility to pursue this refund. The deposit was explicitly refundable upon completion of my appointment, that condition was met, and the refund should have been issued promptly and automatically. Mid-XXXX XXXX : Having received no refund despite two requests, I notified XXXX of the non-refund.…

TekCollect is attempting to collect a debt for a XXXX account, which is currently appearing on my credit monitoring history via XXXX XXXX. I was actively in the middle of my XXXX treatment plan when XXXX abruptly declared bankruptcy and permanently shut down. This constitutes a total breach of contract and a complete failure to render medical services. Under the FTC Holder Rule, I am legally protected from paying a third-party collector for unrendered services. TekCollect has placed the account 'in dispute ' but can not validate this debt because the original creditor failed to fulfill the contract. I demand that this account be closed immediately and completely deleted from all credit bureaus. ''

I signed up with XXXX XXXX to get XXXX but they went out of business and coud n't continue my treatment and complete the procedure. They sold the debt to TekCollect. I don't owe them because they could not finish the treatment. They have placed collections on my credit.

I have not received verification of debt. Also I paid off my account in person the day service was provided.

I am selecting " Debt was paid '' because I fully paid for all services rendered up until the merchant, XXXX, abruptly ceased operations and breached our contract. The remaining balance being collected is an invalid debt for unreceived goods and unfulfilled treatment. In XX/XX/year>, I entered into an agreement for orthodontic treatment with XXXX, which was financed via monthly installments. In XX/XX/year>, XXXX completely ceased global business operations and filed for XXXX XXXX liquidation bankruptcy. At that time, my dental treatment was incomplete, and all clinical oversight, customer support, and manufacturing of outstanding aligners were permanently terminated by the company. Because the merchant permanently shut down and failed to provide the agreed-upon aligners, dental treatment, or medical supervision, they committed a fundamental breach of contract. I am under no legal obligation to pay a debt collector for services and products that were never delivered.…

CFPB COMPLAINT XXXX XXXX XXXX XXXX TekCollect , Inc. XXXX XXXX XXXX XXXX and XXXX ( Also relevant : XXXX prior collector ) Issue Incorrect information on credit report / Improper use of credit report / Attempts to collect debt not owed / Failure to provide validation Complaint I am filing this complaint regarding a collection account being reported and collected by TEK-COLLECT INC on behalf of XXXX XXXX XXXX XXXX and XXXX. This account has been disputed repeatedly since XXXX and has never been properly validated, yet it continues to be reported as accurate on my credit file. Summary of the Issue ( See Timeline Document for a more in-depth view of events ) I received dental services in XXXX and paid a total of {$1000.00} at the time of service. No additional balance was disclosed. In XXXX, the provider requested medical insurance information, which was provided multiple times. After XX/XX/XXXX, there was no follow-up, no billing explanation, and no notice of any outstanding balance.…

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 XXXX XXXX XXXX which later reported the alleged nonpayment to the credit bureaus, negatively impacting my credit.…

In XXXX I entered into a payment agreement with XXXX for orthodontic aligner treatment. I made payments in good faith. At some point XXXX stopped shipping my aligners and became completely unreachable by phone or any other means of contact. I later learned the company had filed for bankruptcy and shut down entirely, abandoning thousands of customers mid-treatment including myself. Because XXXX failed to deliver the services I was paying for, I stopped making payments. I should not be held responsible for a debt on services that were never fully rendered. Tek Collect Inc is now attempting to collect {$1300.00} on behalf of this bankrupt company. I sent a debt validation letter requesting proof of the debt and proof they have legal authority to collect on behalf of a bankrupt company. I have not received adequate validation. I am disputing this debt in full on the grounds that the original creditor breached our agreement by failing to deliver services.…

( Tek Collect ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 10 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4.…

On XX/XX/XXXX, I entered into a Retail Installment Credit Sale Contract ( FL ) with XXXXXXXX XXXX XXXX XXXX, financed through XXXX XXXX XXXX ( XXXX ), Account XXXX, for XXXX XXXX XXXX XXXX across 5 body areas 40 total sessions for {$3700.00}. I received only 23 of 40 contracted sessions ( 57.5 % ). Ideal Image sold my service location, filed a WARN Act notice closing their Florida headquarters XX/XX/XXXX, and has no locations accessible to me in Florida where I now reside. The remaining 17 sessions can not be delivered. On XX/XX/XXXX, I sent XXXX a formal written FDCPA dispute via certified mail disputing the debt in its entirety. XXXX never provided debt validation. On XX/XX/XXXX the same day XXXX filed a response to my CFPB complaint XXXX transferred this account to TekCollect for collections without resolving the dispute.…

I am an XXXX consumer who entered into a good-faith agreement with XXXX XXXX for XXXX XXXX services. I fulfilled my financial obligations, including an upfront payment and consistent monthly installments, trusting that the contracted treatment would be completed. XXXX XXXX failed to complete my treatment and subsequently filed for bankruptcy, leaving me without the service I paid for. Despite being the victim of this contractual breach, Tek Collect is now pursuing me for {$1300.00} a debt that stems entirely from XXXX 's failure, not mine. This collection effort violates my rights under : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 debt collectors can not pursue invalid debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 reporting an unvalidated debt causes unlawful credit harm Arizona Consumer Fraud Act ( A.R.S. 44-1521 ) unfair or deceptive collection practices are prohibited in Arizona Arizona Collection Agency statutes ( A.R.S. 32-1001 et seq.…