Debt collection -- Attempts to collect debt not owed -- Complaint #12848738

Complaint Overview

Complaint ID: 12848738

Company: Tekcollect INC.

Product: Debt collection

Sub-Product: Other debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt was result of identity theft

State: Florida

ZIP Code: 33010

Date Received: 2025-04-06T12:00:00-05:00

Date Sent to Company: 2025-04-06T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am disputing a {$1400.00} debt ( Account XXXX. XXXX ) that TEK-COLLECT is attempting to collect on behalf of XXXX ( XXXX ). The alleged contract, dated XX/XX/XXXX, contains a signature that is not mine. It appears to be either forged or a digitally generated signature I never authorized. It does not match my legal signature as shown on my U.S. passport ( attached ). The contract lacks any language indicating that I consented to the use of electronic signatures, thereby violating the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ) and the Uniform Electronic Transactions Act ( UETA ). Furthermore, an unsigned addendum claiming to alter payment terms was issued without my knowledge or written approval a direct violation of the contracts own modification clause. The document also lacks a required Florida XXXX XXXX XXXX certificate, potentially rendering it unenforceable under Florida XXXX XXXX. According to Florida law, failure to affix the required stamp tax may prohibit the enforcement of the contract. I never received orthodontic treatment. I was not evaluated by a licensed provider, received no diagnosis, no aligners, and never communicated with a dentist or orthodontist. My teeth remain untreated and visibly crooked ( photo attached, timestamped XX/XX/XXXX ). XXXX filed for Chapter XXXX bankruptcy in XXXX and ceased operations. According to the New York Attorney XXXX XXXX settlement, debts from consumers who did not receive services were deemed void and subject to cancellation. Additionally, the XXXX Attorney XXXX XXXX lawsuit against XXXX cited systemic failures to provide medically supervised care. The contract lists a total balance of {$2500.00}, yet TEK-COLLECT is seeking {$1400.00} an unexplained and inconsistent amount. This debt was referred to TEK-COLLECT by XXXX XXXX XXXX XXXX XXXX ), a third-party payment processor that, by the contracts own terms, is not a lender or creditor and had no legal authority to assign this debt, violating FDCPA 1692e. TEK-COLLECT never provided me with a written validation notice within five days of initial contact, violating FDCPA 1692g. They are actively reporting this debt to credit bureaus, incorrectly classifying it as a health club account, which constitutes further misrepresentation under FDCPA 1692e and the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ). Their conduct also violates the Florida Consumer Collection Practices Act ( FCCPA 559.72 ( 9 ) ), and may constitute a breach of the Colorado Fair Debt Collection Practices Act, given their listed address in XXXX, CO. I previously filed a CFPB complaint ( Case # XXXX ), but TEK-COLLECTs response failed to address the forgery or the complete absence of treatment, which has led me to escalate and refile this complaint.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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