Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: CA

Complaint narrative:
TekCollect is attempting to collect a debt I do not owe. I have formally written to them twice and they sent a document with a false amount to repay. Here is my latest correspondence with them. 
XXXX Alleged ID : XXXX Subject : Formal Debt Dispute Invalid Debt, Unfulfilled Services, and Inaccurate Amount ( XXXX ) To Whom It May Concern, This letter is a formal legal notice disputing the validity and accuracy of the alleged debt TekCollect is attempting to collect in relation to XXXX. I previously submitted a written dispute on XX/XX/year> and on XX/XX/year> and received no response. I am following up to reiterate my position and to clarify that the alleged amount is incorrect, and the debt itself is invalid based on XXXX failure to fulfill its contractual obligations. 
XXXX. 
Violation of Service Agreement and Guarantee by XXXX XXXX failed to deliver the treatment and support they contractually guaranteed. Specifically : The aligners sent to me did not fit properly leading to extreme pain. XXXX XXXX did not provide replacements or a dental consult despite request but none were provided. 


Connection to the licensed dentist or orthodontist was discontinued and there was no access to basic and critical requirements for safe and effective treatment, and a part of their advertised offering. 


I did not receive retainers as promised, even though they were part of the package I paid for. 


XXXX publicly advertised a XXXX Guarantee, which was not honored. Despite raising concerns about the treatments effectiveness, they failed to follow through with the guaranteed support or resolution process. 


This constitutes a breach of contract, misrepresentation, and failure of service. 

XXXX. 
Insurance Mishandling and Inaccurate Billing XXXX collected my insurance coverage would be applied toward the cost of treatment. However, no insurance payment or adjustment was applied despite multiple representatives assuring me that it would be applied. XXXX repeatedly promised that they would draft a new contract that reflected the insurance coverage and discounts. However, I did not receive an updated contract from them. Each time I called, each representative and supervisor assured me that it would be updated on my contract. After not receiving an updated contract with the promised coverage and discount. They went out of business and I am not able to reach a representative to follow up on this issue. I was left to pay the full amount without the coverage I was entitled to. 
Furthermore, TekCollect sent a letter on XX/XX/year> that stated they are now collecting. They included the original contract from XXXX. However, this contract was missing the insurance coverage and discount that XXXX promised to apply. It was attempting to collect the full amount without considering all the payments previously made. Their statement does not reflect : The promised insurance contribution The {$250.00} discount XXXX promised as a promotion for new clients and for referrals The orthodontic services and products that were not rendered The XXXX guarantee that was not honored Any valid itemized accounting of charges All previous payments made to XXXX The amount TekCollect is attempting to collect is entirely inaccurate, unsupported, and misleading, and continued collection on such a basis may constitute misrepresentation and deceptive practice under federal and state law. 

XXXX. 
Demand for Validation and Immediate Cease of Collection Activity In accordance with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ), I am asserting my right to formally dispute this debt.

TekCollect has not provided the following : Full validation of the alleged debt, including a detailed itemization of all charges, the amount originally owed, any payments or insurance adjustments applied, and the basis for the current balance. 
The updated contract details promised by XXXX that includes the insurance coverage and discounts An explanation for why my prior dispute was ignored, which is itself a violation of the FDCPA if no response was provided. 


Unless and until such documentation is provided, you must cease all collection efforts, including phone calls, letters, and reporting to credit bureaus. Any attempted contact will be collected as evidence as violation of the Fair Debt Collection Practices Act. 

XXXX. 
Reservation of Rights I reserve all rights to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and, if necessary, pursue legal action under the FDCPA and other applicable consumer protection laws for : Attempting to collect a disputed and inaccurate debt Failing to respond to a timely dispute letter Misrepresenting the amount and validity of a debt Continuing collection efforts without proper validation Any further contact without proper validation will be considered a violation of the law. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation