- Who is Synergetic Communication Inc – SYNCOM?
- Synergetic Communication Inc – SYNCOM Complaints?
- Synergetic Communication Inc – SYNCOM Lawsuits
- Synergetic Communication Inc – SYNCOM Contact
- Synergetic Communication Inc – SYNCOM Calling?
- How Do I Stop Synergetic Communication Inc – SYNCOM Debt Collection Harassment?
- How Can I Delete Synergetic Communication Inc – SYNCOM from My Credit Report?
- How Can I Deal with Synergetic Communication Inc – SYNCOM?
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Synergetic Communication, Inc. (SYNCOM) is an Accounts Receivable Management company specializing in third-party debt collection. SYNCOM has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper communication tactics and threatening to take actions that cannot legally be taken. If you have been contacted by SCI, be sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Synergetic Communication, Inc. was founded and incorporated in 1996. The BBB established SCI’s profile page in 1997. SCI is listed as a collection agency. Buzzfile estimates SCI’s annual revenue at $8.1 million and the size of its headquarters staff at 78 people.
According to its website, SYNCOMS’s “goal is to provide a service that only enhances our clients’ reputation with their customers.” SCI’s “PCE (Positive Consumer Experience) program specifically focuses on being compliant in today’s recovery environment.” By using a “proactive consulting approach based on in depth analysis of the consumer’s individual situation,” SCI tries to “‘sell’ a realistic solution to the consumer and maximize the opportunity for…clients.”
As “a full-service collection agency…licensed in all states and Puerto Rico,” Synergetic Communication Inc has historically specialized “in large balance portfolios in the auto finance and mortgage industries.” More recently, SCI has acquired a portfolio comprised of clients from the credit card, banking, utility, telecommunications, and consumer finance industries. SCI accepts accounts for both consumer and commercial collections.
SCI’s collection services include deficiency collections; financial services collections; government collections for federal, state, and local agencies; collateral recovery for “captive auto finance companies and debt buyers”; dormant judgement collections; high-volume, low balance collections for telecom, utility, and cable companies; and their “laser” program “that will dynamically pinpoint accounts that have a propensity to pay based on the consumer’s most current positive credit activity.”
Synergetic Communication Inc does not provide information about its compliance polices; nor does it provide links or references to consumer protection resources, laws, or enforcement agencies.
As of November 2017, the BBB has given SYNCOM a rating of NR (No Rating). The BBB has closed 10 complaints against SYNCOM in the past three years, with 2 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 12 complaints about . Justia lists at least 11 cases of civil litigation involving Synergetic Communication Inc.
Absolutely. Here are some Sample Cases against Synergetic Communication, Inc – SYNCOM
Complaints against Synergetic Communication Inc. cite problems resulting from inaccurate documentation and attempts to collect debts not owed. In October 2015, a complainant indicated he had received a collection notice from SCI for a debt he claimed was fraudulent because the six-year statute of limitations makes collection activity illegal. In response, Synergetic Communication Inc. indicated they had mailed verification of the debt as requested. However, they insisted that debts “do not become invalid because the statute of limitations has expired. The debt is still valid, but the option to pursue the debt using the court system is no longer available.” SCI acknowledged the complainant’s dispute and his request that the account be closed. They also indicated that they had “closed and returned this account to their client… and that they will not be making any further attempts to contact this consumer regarding this alleged debt.” They concluded by stating that they were unable to send confirmation of the account closure because once “an account is closed out of our office, we can’t take any further actions regarding the account.”
In September 2015, a complainant indicated she had complied with a payment agreement for a year and then settled a delinquent account with Synergetic Communication Inc. A week after her final payment, she received a notice that the debt had been sold. She tried to tell the new collection agency that she had arranged a settlement with SCI, and they agreed to accept the arrangement if she could provide a letter from SCI stating the terms. Her subsequent attempts to secure the letter from Synergetic Communication Inc had lasted for a year, but she still had not received the letter. SCI offered a lengthy explanation that stated, in part, that the “process to close the complainant’s account as a settlement was interrupted. It takes thirty days to properly close an account and make sure all the coding is correct. The recall of all the accounts at once did not allow the process to be completed. When the new collection agency reviewed the account initially, they saw the account had been set up to pay the balance in full and they did not realize the payment plan… changed to a settlement later down the line.” Ultimately, SCI offered their assurance that they communicated with the new collection agency, whose “records have been adjusted to show this account has been settled in full, with no more money due from the consumer.” Synergetic Communication Inc. provided the complainant with a toll-free telephone number to call with any further questions
Synergetic Communication, Inc.
5450 Northwest Central, Suite 220
Houston, TX 77092
Telephone: (800) 580-8615
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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