Synergetic Communication Inc.

Complaint Regarding XXXX XXXX XXXX Account and Third-Party Collection Activity I am submitting this complaint personally on my own behalf as the consumer. I am not represented by any third-party credit repair organization or agency. I have attached a copy of my identification to verify my identity. This complaint concerns an alleged debt associated with XXXX XXXX XXXX in the amount of approximately {$19000.00}, which is currently being reported on my credit report under XXXX XXXX XXXX as a charged-off account. However, I have also been contacted by Synergetic Communication Inc., who stated that the account has been placed with them for collection. Despite this, the account continues to be reported on my credit report directly under XXXX XXXX XXXX while collection activity is being performed by a third-party agency.…

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To Whom It May Concern, I recently disputed a collection account being reported on my credit report by Synergetic Communications regarding a balance of {$820.00} related to XXXX XXXXXXXX XXXX My dispute included documentation showing that my renters insurance carrier, XXXX XXXX XXXX, issued a payment of {$500.00} directly to the apartment complex on XX/XX/year>. Despite providing this documentation, my dispute was denied and the account continues to report the full {$820.00} balance. Under my rights pursuant to the Fair Credit Reporting Act, I am requesting the method of verification used to confirm the accuracy of this account. Specifically, please provide : XXXX. The name, address, and telephone number of the entity that verified the account. XXXX. The method used to verify the balance being reported. XXXX. Documentation confirming that the {$500.00} insurance payment was applied prior to verifying the balance of {$820.00}. XXXX.…

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I am submitting this complaint regarding a disputed debt currently being reported on my credit report in the amount of {$14000.00}, which has been placed with the collection agency SYNERGETIC COMMUNICATIONS. The alleged debt originates from a XXXX truck financed through XXXX XXXX XXXX, located in XXXX, MS . The vehicle involved was a XXXX XXXX XXXX XXXX. I dispute the accuracy and validity of this alleged balance because a substantial portion of the amount appears to have been generated from a XXXX invoice submitted by a third party without my knowledge or authorization. The truck was taken to a legitimate repair facility for diagnostic work. I personally received the original invoices from that repair shop, which consisted of : An initial diagnostic invoice totaling {$270.00} A final diagnostic invoice totaling {$930.00} Total invoice : {$1200.00} These invoices accurately reflect the diagnostic and repair work that was actually performed on the vehicle.…

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On XXXX XX/XX/2026, I received a notification from XX/XX/XXXXthat there was an issue with my credit. I visited the website to see that a debt had been placed on my credit report for non payment. I called Synergetic Communications to identify the debt. I told them that I had not received notification of the debt and that I would like a document explaining the debt sent to my email address. They refused to send any notifications of debt unless I provided them my home address. I told them I didn't feel comfortable doing that and eventually I was transferred to a " manager '' that could help. I was never given the opportunity to verify the debt and nothing was sent to me after I provided my email address.

I am filing a formal complaint against Synergetic Communication regarding an invalid debt of {$720.00} originating from XXXX XXXX XXXX XXXX XXXX XXXX I vacated XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I formally requested a full itemized accounting of all deductions under Texas Property Code 92.109. A XXXX XXXXepresentative, XXXX XXXX, acknowledged my request via email ( see attached XXXX ) but failed to provide the documentation. Under Texas Property Code 92.109 ( b ), a landlord who fails to provide an itemized list within 30 days acting in bad faith forfeits all rights to withhold deposits or collect for damages. Despite this legal forfeiture, XXXX XXXX assigned this unsubstantiated debt to Synergetic Communication. I have already sent a formal FDCPA dispute to the agency ( see attached XXXX ), yet the derogatory mark remains on my credit report as of XX/XX/XXXX.

Subject : CFPB Complaint Improper Verification and Inaccurate Reporting of Collection Account I am filing this complaint regarding Synergetic Communication and the inaccurate reporting of a collection account in the amount of {$4800.00} ( Account # XXXX ). I previously disputed this account with the credit bureau because it is inaccurate and/or unverified. Despite my dispute, the account was verified and remains on my credit report. I have requested proper validation and documentation supporting the debt, including a signed lease, itemized accounting ledger, and proof of legal authority to collect. To date, I have not received sufficient documentation proving that this debt is accurate or legally enforceable. If this account was verified without review of underlying documentation and merely through automated confirmation, that does not constitute a reasonable investigation.…

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int XX/XX/year> son was going to get apartment, i was going to co sign. within 24 hours he decided not to move we had to pay XXXX hold fee a piece. called, cancelled within enough time got emails can attach emails for refunds. Soon got bill from XXXX ( XXXX ) that I owe XXXX - Person said it was a glitch it would be taken care of. Kept getting bill and notice for XXXX kept calling -said it would be taken care of. Contacted " XXXX '' no return. It went to a collection agency. Contacted XXXX- Apparently it was an XXXX balance- She sent me a letter to dispute. NO it was a zero payment. Then it was sent to another collection agency. I have been calling, sending letters. - Yes, I could easily pay XXXX - -it 's the principle. I don't owe this and it's impacting my credit. I am in finance. I get my credit checked weekly. Also, it is not impacting my mental and health as my credit was well over XXXX. Credit cards see this and they decrease. This company is shady

Synergetic communication just called me trying to collect a debt for XXXX XXXX on services that was never performed and product that was never received or install. This sales person came in my home and gave me a quote for windows and I never received the windows installed. XXXX XXXX did not install new windows at my home at XXXX XXXX XXXX XXXX XXXX, Ct XXXX. This company is a fraudulent company and is trying to scam me the consumer out of funds for a job that was never performed. XXXX asking for this collection company to stop all harassment calls and XXXX reporting XXXX XXXX for lying and I need them to prove to me that they installed new windows. Any paperwork that was signed by me was to receive an estimate on windows because thats what the sales person said. So he lied to me stating the paperwork was just an estimate and for me to sign so he can get his commission stating he came to my home. So no windows was installed or purchased by me.…

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Synergetic Communication Inc. ( SCI ) is attempting to collect an incorrect debt re : an apartment rental in the amount of {$950.00}. Below is the letter sent disputing the debt sent Certified mail to SCI, receipt on XXXX XX/XX/XXXX disputing the debt. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX and SCI have been copied on the Financial Move Out statement, dated XXXX XX/XX/XXXX, emailed to me from the Property Manager on company email stating that my balance is {$0.00}. Neither SCI nor XXXX will acknowledge or even challenge the provenance of the move-out statement and willfully continue to pursue the fraudulent debt. XXXX specifically has a very poor XXXX grade of " XXXX '' with numerous similar complaints related to their preposterous and unethical business practices. A simple internet search of any review site for a XXXX XXXX XXXX will yield voluminous complaints of poor and unethical tenant dealings.…

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To Whom It May Concern, I am writing regarding the above-referenced account, which is currently being reported on my consumer credit reports and has caused a significant and unwarranted drop in my credit score. I formally dispute the validity, accuracy, and enforceability of this alleged debt. This account stems from my first-ever apartment tenancy at XXXX on XXXX in XXXX. I vacated the unit shortly after move-in due to serious and unresolved habitability and maintenance failures, which were documented in writing to property management at the time. These issues included lack of timely maintenance, health and safety concerns, and failure to provide a move-in-ready unit. As a result, I was constructively evicted. Despite this, the balance being reported consists almost entirely of penalties and fees, including an early lease termination fee and post-vacancy late fees, which are not legally enforceable under the circumstances.…

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I am disputing a collection account that your agency has reported on my credit file without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including documentation of the original creditor, itemization of the amount claimed, and proof establishing my legal responsibility for this debt. Until you furnish proper validation, all collection activities and credit reporting related to this account must cease immediately.

The company was emailed notification of the dispute and requesting for debt validation to this date. I have not received the information and the company is sending correspondence from XXXX different companies, which is the same company. What is spelled? XXXX XXXX XXXX and the other one is com XXXX same mailing address. I sent a letter a letter serves to serve as a formal and immediate dispute of the alleged medical debt referenced. Informed them that I do not acknowledge responsibility for this debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), I am demanding full and complete validation of this account. I included the following information in my request letter : You are hereby required to provide competent evidence that this debt is valid and legally collectible, including but not limited to : XXXX. A complete itemized billing statement from the original medical provider XXXX.…

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I sent a letter that served as a formal and immediate dispute of the alleged medical debt referenced above. Same company with XXXX different names and amounts. Same billing address. I do not acknowledge responsibility for this debt. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), I am demanding full and complete validation of this account. You are hereby required to provide competent evidence that this debt is valid and legally collectible, including but not limited to : 1. A complete itemized billing statement from the original medical provider 2. The exact date ( s ) of service allegedly giving rise to this debt 3. Proof that I am the legally responsible party 4. A copy of any agreement bearing my signature that authorizes collection 5. Proof of your agencys authority to collect on this account 6.…

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XXXX has called my husband and lied twice. And admitting to lying once. The collector told my husband the debt had not been sold and the XXXX XXXX XXXX still owned it and we could pay them. He then very rudely tried to push to let my husband have him XXXX way call XXXX XXXX XXXX to pay it. My husband declined the gentleman was even more rude. I then called XXXX XXXX XXXX to get more information and found it the debt had in fact been sold and could not be paid through them we would have to pay the debt collector. A few days later the debt collector called him again and my husband told him he had lied. At first the gentleman denied lying and then eventually admitted it saying youre right you caught me. He lied again saying that insurance had paid part of the bill and this amount was what was left and our responsibility. After talking to insurance and XXXX XXXX XXXX today it was discovered the bill was never sent to our insurance to be paid.…

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filing a complaint against XXXX for harassment and violations of the Fair Debt Collection Practices Act ( FDCPA ). I do not have, nor have I ever had, any contractual or consumer relationship with this company. I have not signed any agreement, contract, or authorization with XXXX, and they have no lawful basis to contact me. Despite the lack of any valid relationship, XXXX has repeatedly contacted me by phone. On XX/XX/year>, at approximately XXXX PM XXXX, a representative from XXXX contacted me. During that call, I explicitly instructed the representative to cease and desist all communication immediately, pursuant to 15 U.S.C. 1692c ( c ). I further advised that any calls received after XXXX PM XXXX would be documented and treated as harassment. Despite this clear instruction, at approximately XXXX PM XXXX, I received another call from a different representative identified as XXXX XXXX, requesting to speak with me.…

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SYNCOM is falsely reporting on my credit. I have never had any accounts with them. Per my research SYNCOM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

- On XX/XX/year>, the phone number XXXX contacted a phone number for an individual besides myself, who does not live in my home, and disclosed that they were looking for me in an attempt to collect a debt. In addition to illegally stating that they were calling about a debt, they were extremely aggressive with this individual. - This company has represented itself as XXXX XXXX to the originator of this debt ; however, they have been referring to themselves to me as XXXX XXXX. The originator was unaware that they are functioning under XXXX separate names and/or their acquisition was not disclosed to the originator of the debt or myself. - On XX/XX/year>, I dialed XXXX to request contact information for this company an agent denied my request, and disconnected my call.

Synergetic Communications is reporting a collection account in the amount of {$7200.00} on my consumer credit report without ever providing lawful notice or proper validation of the alleged debt. I never received any written notice prior to this account being placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). This failure alone constitutes a statutory violation subject to up to {$1000.00} in statutory damages per action. Furthermore, I formally requested validation of this alleged debt well over 60 days ago, and Synergetic Communications has failed to provide any documentation to substantiate the accuracy, ownership, or legal enforceability of this account. Despite my timely request, Synergetic continues to engage in collection activity by furnishing and maintaining this tradeline on my credit report, in direct violation of FDCPA 1692g ( b ), which requires all collection activityincluding credit reportingto cease until validation is provided.…

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On XXXX XXXX XXXX. I recieved a call from a debt collection agency named Synergetic communication ( SYNCOM ). They dect collector stated they were calling on behalf of XXXX and told me I have a blance of {$160.00} owed from a transaction that took place on XX/XX/year>. I then contacted my bank at XXXXXXXX XXXX to verify the transaction and my bank verified that there is no transaction record for {$160.00} from XXXX from the date of XX/XX/scrub>XXXX XXXX I contacted an XXXX support associate at XXXX to validate if the XXXX XXXXXXXXwas successfully paid for. The accossiate and XXXX financial team were able to validate that the transaction was successful and XXXX actually owed me money from the transaction. XXXX XXXX XXXX XXXX XXXXXXXX ). At XXXX. I called the collections agency back and informed them that the debt was paid. I was provided an email of the collection agency to show proof that no balance is due from XXXX.…

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Synergetic Communication , Inc. is reporting a collection account related to an apartment lease allegedly owed to XXXX XXXX XXXX XXXX XXXX. This same alleged debt was previously reported by a different collection agency with a materially different balance. I disputed the account and requested validation under the Fair Debt Collection Practices Act, including a copy of the signed lease agreement, a complete itemized accounting of the balance, and proof of legal assignment. Synergetic Communication did not provide this information. Despite the lack of validation, the account continues to be reported to consumer reporting agencies. XXXX verified the account without documentation. In addition, Synergetic Communication is reporting inconsistent identifying information across credit bureaus, including different business addresses, and is reporting a balance that differs from the amount previously reported by another collector.…

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SYNERGETIC COMMUNICATI is falsely reporting on my credit. I have never had any accounts with them. Per my research SYNERGETIC COMMUNICATI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

The debt collector received this account on or about XX/XX/year> and reported it to the credit bureaus immediately, without providing the required 30-day validation period under the FDCPA. Reporting a debt to consumer reporting agencies is collection activity. By reporting the account before providing notice and allowing time to dispute, the collector violated 15 U.S.C. 1692g and overshadowed my statutory dispute rights. The collector previously closed a CFPB complaint without addressing this timing violation. This complaint concerns improper credit reporting before validation, not merely verification of the account. They also said i never provided proof of payment, i attached the email sent to them that was given to me.

I am submitting this statement regarding a false and unverified collection Synergetic Communication Inc is reporting under XXXX XXXX XXXXXXXX. I do not owe this debt, do not recognize this account, and have no relationship with this company or any creditor they claim to represent. This collection is currently being reported to XXXX and XXXX On more than one occasion, I sent Synergetic Communication a written dispute and a formal request for debt validation. It has been over 30 days, and they have not responded in any way, nor have they provided proof that this debt is valid. They did not send any agreement, contract, account history, assignment documentation, proof of notices, or anything showing I am responsible for this alleged debt. Despite failing to validate, Synergetic Communication continues to report this account to the credit bureaus.…

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XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

I am submitting a complaint regarding improper medical debt collection by Synergetic Communications. Synergetic is attempting to collect a dental debt that is the result of a provider billing failure, not a valid patient responsibility. The original provider, XXXX XXXX XXXX, failed to submit an insurance claim to XXXX for services rendered on XX/XX/year>. XXXX has confirmed in writing that no claim was ever received for these services. My XXXX plan covered 80 % of basic dental services, which included the fillings I received. I paid my full patient responsibility at the time of service based on this coverage. The remaining balance exists solely because the provider did not submit the claim. When I disputed the debt and requested validation, Synergetic provided only an internal ledger showing a {$0.00} insurance payment entry dated nearly a year after the date of service.…

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On or about XX/XX/XXXX, Synergetic Communications opened and began reporting a collection account in the amount of {$5100.00}, allegedly related to XXXX XXXX. The account was subsequently reported to the credit bureaus on XX/XX/XXXX and is currently listed as an open, derogatory collection. I dispute this account in its entirety. I do not recognize this debt as valid, and I have not been provided any documentation to substantiate it. Synergetic Communications has not provided a copy of a signed lease or agreement, an itemized breakdown of the alleged charges, or proof that they have the legal right to collect this debt. To date, no proper written validation has been provided explaining how the balance of {$5100.00} was calculated or demonstrating that this debt is accurately attributed to me. Despite the lack of verification, the company continues to report the account as a collection.…

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Today a debt collector company called my job at XXXX from a XXXX and spoke to another associate about collecting a debt from me and need to speak with me. That call was transferred and not answered by my self. I received XXXX phone calls from XXXX at XXXX today that were not answered. I called back this XXXX and it was a debt collector from synergetic communication to collect a debt that I knew nothing of. I asked them to stop contacting me. Then a number of XXXX called my friend to ask for me by name to collect a debt. Im being harassed by a debt collector who is calling my job and friends.

I am submitting this complaint regarding the conduct of a collections agent who contacted me concerning an alleged debt supposedly owed to XXXX. During this communication, the agent claimed that I paid XXXX using an online check. I questioned how this would even be possible and asked the agent to explain or provide details. The agent was unable to explain how such a payment occurred and offered no information other than repeatedly stating that I owe XXXX. I then requested written proof or validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). The agent stated that he could not provide proof or documentation of the debt. Additionally, the agent made a threatening and misleading statement by telling me that I would never be able to cash or use a check ever again unless I paid this supposed balance. This statement is false, coercive, and appears to be a clear attempt to intimidate me into making a payment.…

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Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

I am a victim of a data breach and identity theft which all my personal information has been exposed without my consent or knowledge.The following account does not belong to me. Cease the reporting of this account immediately. SYNERGETIC COMMUNICATION INC. ( Original Creditor : XXXX ( Account Number : XXXX ). This account was fraudulently opened and reported without my authorization. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ) 605B, I am demanding the following : 1. Cease all collection activity immediately, including phone calls, mail, and third-party reporting. 2. Remove and delete this account from any credit reporting agencies ( XXXX and XXXX ) within four ( 4 ) business days as required when notified of an identity theft or fraudulent account. 3. Provide written confirmation that your company has ceased all collection and removed any credit bureau reporting. 4.…

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