A Florida-based door and window dealer is the subject of a lawsuit filed by several former customers who allege that the company disappeared with their money and provided no services. The suit is among many recent fraud accusations against similar companies nationwide, including in New Mexico, Florida, Alabama and Ohio.
In a case filed in early June 2025, Kathleen Heideck alleges that Doral-based Alco Windows and Doors and Momnt Servicing Company violated the Florida Deceptive and Unfair Trade Practices Act. Heideck further asserts that Momnt, Trans Union and Experian Information Solutions Inc. violated the Fair Credit Reporting Act.
Heideck claims that in June 2024, a sales representative from Alco provided her with an estimate for impact doors and windows. She agreed to the price quoted and retained Alco for the replacement project. She also applied for financing, through Momnt, which approved her for a $20,000 loan. Of the borrowed funds, $12,000 was paid to Alco to start the project. Alco officials told Heideck that the money was needed to order materials and obtain permits.
A Disappearing Act
After Heideck contracted with Alco and provided a $12,000 deposit, months crept by without any word from Alco about the project. Heideck says she contacted the company in October 2024 for an update but received no reply. She followed up in November, but still no response, she says.
According to court documents, Heideck contacted the sales representative directly and was told that he had “resigned from Alco weeks earlier, no longer had access to her records and had heard the company was shutting down.”
Companies neighboring Alco confirmed with Heideck that the door and window company had not operated for months and that others were searching for the company. Perplexed, Heideck contacted the window manufacturer, Mr. Glass, who told her that Alco never placed an order for her project, she says.
Heideck filed a fraud report and contacted Momnt, but the lender refused to cancel her loan, she says. Court documents state that despite being notified that no services were rendered, and that Alco had closed, Momnt declined to take corrective action. Around this time, Heideck discovered that Experian and TransUnion reported the Momnt loan on her credit reports.
In April 2025, Heideck mailed certified dispute letters to the credit bureaus, disputing the Momnt account. Experian and Trans Union contacted Momnt, who alleged that the account was verified, leading the credit companies to refuse to act.
According to WSVN 7News in Miami, Heideck is one of several former customers allegedly defrauded by Alco. Other customers followed the same script: They were provided with estimates and pushed to obtain loans through Momnt, never receiving the promised work. Attorney Yasha Osby, who represents five customers in the case, told WSVN 7News that Momnt would send money to Alco before work even started, noting that financing companies usually wait until a contractor pulls a permit before sending any money.
According to the Better Business Bureau, Alco had its accreditation revoked in 2024 and had an “F” rating after it failed to respond to 54 complaints concerning delivery issues.