C Tech Collections on Your Credit Report: What to Know

C. Tech Collections, Inc. is a Mount Sinai, New York medical debt collection agency founded in 1989 with more than 20 federal court cases on record. A 2015 class action established C. Tech violated the FDCPA by charging an unauthorized $3.00 credit card convenience fee.

A 2017 proposed class action alleged C. Tech sent collection letters on growing medical balances without disclosing that interest was accruing. A 2018 class action alleged a C. Tech letter misled consumers about how to dispute a debt owed to NYU Langone Physician Services.

The agency also operates under the alternate names U.S. Collectech and Collect Tech.

Who Is C. Tech Collections, Inc.?

C. Tech Collections, Inc. is a third-party medical debt collection agency founded in 1989 and headquartered at 5505 Nesconset Highway, Suite 200 in Mount Sinai, New York. C. Tech is SOC2 certified and HIPAA compliant. The agency also operates under the names U.S. Collectech and Collect Tech.

C. Tech organizes its collectors into teams assigned to specific medical areas including anesthesia, cardiology, fertility, OB/GYN, pain management, pediatrics, surgical, dental, and radiology.

Who Does C. Tech Collect For?

C. Tech focuses on healthcare and dental receivables alongside commercial accounts. Confirmed clients from court records and published sources include:

• NYU Langone Physician Services: Case 1:18-cv-01834-PKC-RML specifically names NYU Langone Physician Services as the original creditor on the C. Tech collection letter at the center of the 2018 class action.
• Healthcare specialty providers broadly: C. Tech’s published service descriptions confirm anesthesia, cardiology, fertility, OB/GYN, pain management, pediatrics, surgical, dental, and radiology as primary collection specialties.

Three Documented Federal Cases

The 2015 class action (E.D.N.Y.) arose from C. Tech letters charging a $3.00 convenience fee for credit card payments. The court found the fee unauthorized under the FDCPA. The named plaintiff received $1,000 in FDCPA statutory damages plus $153 under New York General Business Law, with class members who paid the fee receiving higher distributions.

The 2017 proposed class action alleged C. Tech sent a collection letter for a $1,010 medical debt without disclosing the balance would increase due to accruing interest. A separate allegation described C. Tech voicemails disclosing medical debt information overheard by a third party in the plaintiff’s residence, a potential Section 1692c(b) violation.

Case 1:18-cv-01834-PKC-RML (E.D.N.Y., 2018) alleged a C. Tech form letter for a NYU Langone Physician Services debt misled consumers about their dispute rights. The letter directed all correspondence to a PO box but labeled the phone number as for payments only, suggesting disputes could only be made in writing. The court certified a class of New York residents who received the same form letter.

Common C. Tech Complaint Patterns

C. Tech’s complaint record surfaces recurring issues tied to its collection conduct.

• Continuing to collect on fully paid accounts: Documented complaints describe C. Tech pursuing accounts consumers state were paid in full and refusing to acknowledge proof of payment.
• Voicemails overheard by third parties: The 2017 class action documents a C. Tech voicemail disclosing medical debt information overheard by a household member, a potential Section 1692c(b) violation.
• Collection letters that do not disclose accruing interest: The 2017 class action alleged C. Tech sent a letter for a growing balance without disclosing the amount would increase due to interest.

What C. Tech Cannot Do Under Federal Law

These prohibitions are grounded in the three documented class actions against C. Tech.

• Charge unauthorized convenience fees: FDCPA Section 1692f(1) prohibits collecting any amount not expressly authorized by the original agreement. The 2015 class action established this as a systemic C. Tech violation.
• Send letters without disclosing accruing interest: A growing balance must disclose interest accrual so consumers can calculate the true payoff amount.
• Leave voicemails that disclose medical debt to third parties: Every voicemail overheard by a household member is a potential Section 1692c(b) violation.
• Send letters that mislead consumers about dispute options: The Brown class action alleged C. Tech’s format led consumers to believe disputes could only be made in writing.
• Continue collection on accounts confirmed as paid: A potential FDCPA Section 1692f violation and FCRA accuracy issue.

New York State Protections

New York residents can file complaints with the NY Attorney General’s Consumer Frauds Bureau under New York General Business Law Section 349, which was specifically invoked in the 2015 class action. The NYC Department of Consumer and Worker Protection also regulates debt collectors operating in New York City.

Medical Debt Reporting Protections

Credit bureau voluntary policy changes effective 2023 removed paid medical balances and balances under $500 from credit reports. If C. Tech is reporting a paid balance or a balance under $500, dispute those entries directly with all three bureaus.

Verify Before Paying C. Tech

Send a certified validation letter demanding the original provider’s name, the itemized bill with CPT codes and service dates, the insurance Explanation of Benefits, proof insurance was billed before referral to C. Tech, and written disclosure of whether interest is currently accruing. Review any C. Tech letter or payment portal for convenience fees — the 2015 class action found unauthorized fees violate the FDCPA.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for C. Tech Collections, C Tech Collections, U.S. Collectech, and Collect Tech as the furnisher. Confirm the original provider, service date, and balance.

If C. Tech is reporting a paid balance, dispute with all three bureaus immediately and include proof of payment with each dispute.

How Long Can C. Tech Legally Pursue the Debt?

New York allows six years on most written contracts including medical service agreements. The state where you received treatment controls the statute.

Your Options for Resolving the Account

• Review any C. Tech letter or payment portal for convenience fees: The 2015 class action established unauthorized fees as an FDCPA violation. Document any fee not expressly in your original agreement and file a CFPB complaint.
• Review any C. Tech letter for interest accrual disclosure: If the letter lists a balance without disclosing whether interest is growing, document it before responding.
• Send proof of payment if the account was already paid: Send a certified letter with proof and demand immediate cessation and credit bureau removal.
• File a NY AG and CFPB complaint for voicemail disclosure: If a C. Tech voicemail was overheard by any household member, document the incident and file complaints citing Section 1692c(b).

How to Contact C. Tech Collections

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: C. Tech Collections, Inc., 5505 Nesconset Highway, Suite 200, Mount Sinai, NY 11766
• Phone: (888) 331-0541 or (631) 828-3100

Bottom Line

C. Tech Collections has more than 20 federal cases on record and three documented class actions targeting unauthorized convenience fees, collection letters that fail to disclose accruing interest, and letters that mislead consumers about their dispute rights.

Review any C. Tech collection letter or payment portal before responding. If it adds a convenience fee, fails to disclose interest accrual, or directs correspondence in a way that obscures your dispute options, document those issues before paying or acknowledging any balance.

If a C. Tech account is on your credit file, the right move depends on whether the balance matches the original provider’s documentation, whether the letter disclosed all accruing interest, and whether the account was already paid.