Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: MI

Complaint narrative:
I entered a contract with XXXX XXXX XXXX for goods and services regarding clear tooth alignments. After signing the company ceased all global operations and stated that no further services would be provided and that the lifetime warranty was no longer valid. XXXX XXXX XXXX served as the payment processor for XX/XX/XXXX and continued to demand payment even though the creditor of the account was no longer in operation ( XX/XX/XXXX). 

XXXX XXXX XXXX has sent my account to Tekcollect for payment. I spoke with Tekcollect and had them send my proof of the debt. I was given a copy of the original contact with XX/XX/XXXX. In the contract it states that XXXX is NOT a lender and serves as a payment processor. Tekcollect refuses to discuss the matter. 

Please see response below from XXXX XXXX XXXX on theXX/XX/XXXX web complaint regarding this matter. Response repeats the fact the XXXX is NOT a creditor. I have not been given any information regarding a new creditor and have no means of communication with XXXX XXXX XXXX. 

XXXX XXXX XXXXXX/XX/XXXXreply to my complaint : We received XXXXXX/XX/XXXX rejection. We apologize that the customer was placed in this situation. We understand that the customer is not satisfied with the products or services from XXXX ( XXXX ), and they are also contesting XXXX XXXX XXXXXX/XX/XXXX ) ability to collect payments with respect to their XX/XX/XXXX account. They are, in fact correct, that XXXX is NOT a party to their agreement, but rather a servicer. The Retail Installment Credit Sale Contract ( Contract ) states that Payments are made to XXXX XXXX XXXX, XXXX as payment processor for Provider. This provision indicates, with their acknowledgement, that XXXX operates at the direction of the provider, in this case formerly XXXX, to collect payments from them. Decisions regarding disputes of the products/services and refunds would ordinarily come from the creditor (XX/XX/XXXX ) since the Contract is between the customer and XX/XX/XXXX as they pointed out, and XXXX would merely operate at the direction and decisions of the creditor. 
As a point of consideration, we must also direct their attention to the Assignment provision indicating that Buyer agrees that he/she shall not assign or transfer his/her rights or obligations under this Contract. Buyer agrees that Provider may assign its rights under this Contract at any time and any assignment shall be binding and inure to the benefit of all of the respective legal representatives, successors and assigns. This provision indicates that the creditor may assign or transfer the contract to a new creditor, which is what has recently occurred. Since the Contract has been assigned to a new creditor, XXXX now provides its servicing obligations on behalf of and at the direction of that new creditor. Similarly, decisions regarding disputes and payments are between the customer and the new creditor, and XXXX maintains its position as a servicer. 

We do apologize, but since the account has been sent to collections, XXXX is not able to take any action on the account. 

If you have any questions please feel free to contact us at XXXX. 

Please advise on the status of this considering XX/XX/XXXX states above that they are NOT a lender or creditor. I am not looking for a refund or special considerations I would simply like this removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation