CFPB COMPLAINT DATABASE
215 real consumer complaints filed against Synovus Bank at the Consumer Financial Protection Bureau in the last 12 months. 87 received relief from the company. Median federal response time: 15 days.
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
I opened a personal checking account at Synovus Bank on XX/XX/XXXX. The account has been in good standing since that time always having a positive balance. I deposited a {$1000.00} check from my mother written from her XXXX XXXXXXXX XXXX account via XXXX ATM on XX/XX/XXXX which received an excessive Regulation CC non-compliant hold by Synovus Bank.
I received a notice back in XXXX or XXXX about a change of address on my account, which turned out to be a result of fraud/identity theft. I contacted First Digital, let them know what was going, informed them that I hadnt had access to the account or used it in some time, and they went the through the process of closing out my card and disputing charges. I also provided them of my one and only address in Arizona, far from the Texas address they had. A new card was put into place, yet I never received it, nor any statements going forward. I was told someone would contact me when I reported the fraud. No one contacted me. Over the next few months I attempted to contact them, getting an automated message stating due to high call volume no one could help me, and disconnected. I got a notice in the mail, mid XXXX, saying the fraud issue had been cleared and I was not responsible for any charges.…
I had an account through them years ago and kept up on all my payments and made sure it was all on time one day I decided that I no longer needed the account because I had lost my card and didn't want to deal with credit cards anymore I had called and canceled the card after paying the debt that I owed it was months later when the account got reopened unbeknownst to me and a membership fee was in charge without my knowledge without my consent and continued to rack up late fee and interest over the year or an and a half that it was active for before I realized what had happened and so I called them they said that they seen where I tried to close my account before and that it was reinstated for some reason in XXXX of that year and that's what had happened was the membership fee just accrued interest in late payments and he said he would take care of it not to worry and the account would be closed and to put in a rebuttal with the credit bureau and that it would all be resolved well it…
To Whom It May Concern, I am submitting this complaint to request assistance regarding improper late fees and account handling failures by First Digital. On XX/XX/XXXX, I ordered a replacement card through First Digital. After not receiving the card, I contacted customer service on XX/XX/XXXX and was advised that the replacement card would be sent. On XX/XX/XXXX, after still not receiving the replacement card, I contacted First Digital again. At that time, I was informed that I was not past 14 business days and that I would be required to pay {$35.00} in order to receive a replacement card, despite the prior request and delay. Additionally, I was charged {$41.00} in late fees, even though I had made my payment the day prior. These late fees were assessed while I was still without a usable card and attempting to resolve the replacement issue through customer service.…
Payments to this company have been made on time. One month I filed a dispute regarding payments made to a service that hade been cancelled. The company accepted the dispute, reissued the card but couldn't take the payment because of the transition of the account of the old card to the new card. The charged me a late fee but reassured me that they would credit the late fee because them not accepting the payment had to do with their system. When it came time to provide the credit it didn't happen. Further I continued to make my payments every month on the due date. The company then began charging me a late fee because of the time of day that the payments were made on the due date. I questioned them about this and they said that it was in the terms and conditions that they could charge me a late fee for the time of day that the payment was made even though the payment was made on the due date.…
The 30 most recent complaints against Synovus Bank where the consumer chose to publish their narrative.
I closed my account with First Progress in XX/XX/XXXX, they said they would return my security deposit, but I have never received it. I have been called every few months and they tell me the same thing. Today XX/XX/XXXX I called and they told me the balance shows XXXX, but they still have never sent me my deposit back.
I paid my account in full and am owed a refund in the amount of {$2000.00}. Despite full payment, I have not received my refund. When I contact Synovus Bank and First Progress, I am instructed to contact XXXX XXXXXXXX XXXX XXXXXXXX XXXX. When I contact XXXX, I am told to contact Synovus Bank and First Progress. Each party denies responsibility, resulting in ongoing delays and no resolution. This repeated back-and-forth has caused financial harm and is unreasonable. The payment has been received and acknowledged, yet no party will issue the refund owed to me. I am not disputing the debt it was paid in full I am seeking the return of my money. I believe this conduct constitutes unfair and deceptive practices and a failure to properly account for and return consumer funds.
I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product : Checking and savings accounts Primary Company : Synovus Bank Additional Company : XXXX XXXX Bank Date of incident : XX/XX/year> Time : Approximately XXXX XX/XX/XXXX Location : Synovus branch ( in person ) What happened : On XX/XX/year> at approximately XXXXXX/XX/XXXX., a joint Synovus free checking account that I am an owner on was accessed in person at a branch. An amount of {$3800.00} was withdrawn, and the account was subsequently closed without my consent or prior knowledge. I did not authorize the withdrawal or the account closure and did not receive any notice before or after these actions occurred. As a result of the withdrawal and closure, the account currently reflects a negative balance of {$140.00}, which I did not create. After discovering the closure, I contacted Synovus customer service.…
My consumer credit reports unique list of adverse items that I want removed from the FICO reports. I recently learned that my personal information was used to open the following accounts. I did not open these accounts, nor did I authorize them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I missed my due date on my credit card. The company ( First Progress ) froze access to the card and also blocked me from accessing my online account. Now I am unable to make the payment or use the card. When I called the company to fix the issue, they told me I would have to start a new online account, but I have to do it through the mail. This sounded strange to me.
Account number : XXXX Date open : XX/XX/XXXX Account charged off. {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Illegal third party debt collector Resurgent Acquisitions, XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Your company Experian is furnishing inaccurate and incorrect information to the consumer report. The report of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. The furnisher openly admitted to the sharing of my nonpublic personal information with a third party debt collector, which is a violation of my FDCPA and privacy. XX/XX/XXXX, the account was sold to XXXX Acquisitions, XXXX. That taken directly from the company responsible and on my account with your company it says sold. First digital is aiding in aggravated identity theft. 18 U.S.…
I am submitting this complaint regarding multiple credit card accounts being reported inaccurately and misleadingly on my consumer credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ET SEQ. ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ) The Following Furnishers are reporting charge -off accounts while simultaneously reporting current past-due balances, and in some instances conflicting balances, which is internally inconsistent, inaccurate, and misleading
XX/XX/year> I had found by XXXX XXXX XXXX XXXX XXXXhat they had refunded back to my credit card from First digital bank ending in XXXX {$310.00} on XX/XX/year>. Upon checking this they indeed did send that money back for First digital. Bank decided they wanted to put my card on a fraud alert and lock my card because of that deposit they did not call me to let me know that it was on a fraud, alert or locked or that the money even came back to my account. This is a card. I dont use too often so I dont check it all that often and originally, I was promised a free rental versus giving me the money back so thats what I was going on calling First digital Bank over and over again they kept asking me for a receipt which I did not have because I didnt know XXXX was doing XXXX refund so I called XXXX. Got the receipt.…
I am filing this complaint regarding wrongful account closure, inaccurate and inconsistent credit reporting, lack of substantiating evidence, and resulting consumer harm by First Progress Card ( Lead Bank ). I am currently in the process of purchasing a home, and First Progresss actions have made this process significantly more difficult due to credit score damage and unreliable credit reporting. First Progress closed my credit card account and reported the account as closed at consumer request. This statement is false. I did not request that my account be closed. To date, First Progress has failed to provide any evidencesuch as a recorded phone call, written request, or signed authorizationshowing that I requested or approved the account closure. This wrongful closure caused a significant and immediate drop in my credit score, directly impacting my ability to qualify for mortgage lending. This closure is the originating event that led to all subsequent issues.…
I am writing to formally dispute inaccurate information appearing on my credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). My credit report shows the same debt being reported by two separate companies, which is inaccurate and misleading. A single debt can not be legally reported as multiple outstanding obligations unless there is proper documentation showing a lawful transfer and XXXX balance on the original account.
XXXX Latitude illegally re-aged this account by altering my payment history after I disputed it, inserting late payments that were never reported before, changing XX/XX/year> from Current to 30 Days Late, accelerating delinquencies months earlier, and marking it Charged Off while still modifying dates. Retroactive late payments, changing delinquency timelines, and extending derogatory reporting are re-aging and prohibited under FCRA 623 ( a ) ( 5 ). These actions are false, retaliatory, and harmful, causing an immediate XXXX score drop, denials, financial loss, and emotional distress. This account must be permanently deleted for unlawful re-aging, inaccurate reporting, and consumer harm.
I am reporting three fraudulent accounts appearing on my XXXX and XXXX credit reports : 1. First Progress Credit Card NOT MINE XXXXXXXX XXXX XXXX XXXX XXXX XXXX Installment Loan NOT MINE XXXX. XXXX XXXX XXXX XXXX Account NOT MINE All three accounts are 100 % fraudulent. I did not open them, authorize them, or apply for them. This is an identity theft case. I filed a formal FTC Identity Theft Report ( attached ). I also mailed certified dispute letters to all three furnishers, requesting : Immediate deletion of the fraudulent accounts Blocking of all information under FCRA 605B Written confirmation of the investigation I have attached copies of these letters and USPS delivery proof. Despite this, XXXX XXXX XXXX continue to report these fraudulent accounts, and First Progress, XXXX, and XXXX XXXX XXXX have NOT properly resolved the identity theft. These fraudulent accounts are harming my credit, affecting my ability to access credit, and must be removed immediately.…
I filed a complaint on XX/XX/25 concerning Synovous bank XXXX. I my complaint I stated that although they had sold my account to a collection agency they continued to post their information on my report. The answer I received from Synovous was that it was completely within their right to continue to post an account as a " charge off '' that they considered to be in collectable. Posted that information about a charge off account without mention or proof of filing a 1099 tax form on my behalf that would essentially report my debt as income to the IRS is an absolute violation of CFPB rules put in place to protect the consumer.
I am filing a complaint regarding inaccurate credit reporting involving three companies : XXXX, XXXX XXXX XXXX, and XXXX XXXXSynovus Bank . My credit report shows a collection account reported by XXXX XXXX that is being reported with an incorrect and re-aged Date Opened of XX/XX/XXXX. The original creditor account from XXXX XXXX/Synovus shows the last payment occurred in XXXX. This means the collection agency is reporting a false date and re-aging the debt, which violates FCRA 623 ( a ) ( 5 ). XXXX is also reporting a past-due amount, which a collection account is not permitted to report. XXXX XXXX XXXX/Synovus account was charged off years ago, but it is still showing a balance and a past-due amount even though the debt was sold. When a debt is sold, the original creditor must report a XXXX balance. Instead, both the original creditor and XXXX XXXX are reporting the same balance, which results in duplicate reporting and an inaccurate representation of the debt.…
Complaint Regarding SYNOVUS/FIRST PROGRESS/V Dear XXXX XXXX, I am writing to file a formal complaint against SYNOVUS/FIRST PROGRESS/V for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The debt collector has reported inaccurate information to the credit bureaus, failed to provide validation of the debt, and has used abusive and deceptive collection tactics. The Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleadin, misrepresentation and deceptive means.…
A XXXX payment of XX/XX/year> in the amount of {$500.00} from my father to me was arbitrarily rejected by Synovus bank, when similar prior XXXX payments from my father to me, namely {$250.00} on XX/XX/year> and {$250.00} on XX/XX/year> were correctly deposited to my checking account at Synovus bank. Consumers make decisions based on anticipated financial transactions making it important that financial institutions follow given procedures when processing payments.
I had a secured First Progress credit card with a {$200.00} deposit. I was never permitted to spend above this deposit. I later paid {$170.00} to close the account. I never received my deposit back, yet the account is reporting a {$190.00} written off remark. This is inaccurate because a secured card can not be written off if the creditor did not incur a loss. My deposit and final payment fully satisfied the account. This account is being inaccurately reported as potentially negative and shows incorrect derogatory information. I am requesting a full investigation under FCRA 623 ( a ) and immediate correction or deletion.
case # XXXX that was closed for not enough evidence and will reopen the case. Never received the response from any place i just called to find out this is what i saw..... I XXXX XXXX owner of XXXX XXXX XXXX had issue with Priority Payment Systems.... As much as you can say that i had contract with XXXX XXXX XXXX that DOSNT give them authorization to charge my account random fees after the account was closed. I NEED proof of service how much money was deposited to my bank from XXXX to XX/XX/year> and what % were they charging for there service... XXXX : you will find the fraud on this account that there was NO transaction were made and no deposit went to my account BUT they were charging random amounts from my bank.
I just checked my credit report, and this account 1ST DIGITAL/SYNOVUS/VT with the number XXXX is showing the wrong rating of XXXX. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! You also said you last verified it on XXXX. According to 15 U.S.C. 1681s-2, I have a right to see the info you used to verify this. Can you sendthat over? And Id like to see proof that I owe {$0.00}, because I dont owe it. Just so you know, XXXX v. XXXX XXXX XXXX, 29 F.3d 280 ( 7th Cir. 1994 ) says if you cant verify something, it has to be removed. I look forward to you fixing this! As a consumer, I have listed the concerns about your reporting in this document.…
The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! According to the law, you and data furnishers must certify all aspects of required XXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone.…
To : XXXX XXXX XXXX Subject : Cease & Desist, Debt Validation Request, and Removal of Unverified Account From Credit Reporting To Whom It May Concern, I am formally requesting that you immediately cease and desist all communication with me regarding the above-referenced account. I do not acknowledge nor have knowledge of this alleged debt. Under FDCPA 15 U.S.C. 1692g, I request full validation of this alleged debt including : Original signed agreement Full itemized account history Proof of assignment License information Until complete validation is provided, all collection efforts must stop. Reporting unverified information violates FCRA 623. Since the alleged debt can not be verified by me, I demand immediate removal from XXXX XXXX XXXX XXXX. If you can not validate this debt, you must delete it and cease all collection activity.
Between XX/XX/XXXX and XX/XX/XXXX, several late payments were reported on my credit reports by multiple creditors. These late payments affected the following accounts and dates : XXXX : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ) XXXX XXXX : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ) XXXX : XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ) XXXX XXXX : XX/XX/XXXX to XX/XX/XXXX ( several late payments ) Amounts disputed correspond to the minimum payments due for each statement period, as reported by each creditor. Actions taken : Requested goodwill adjustments from each creditor. Provided evidence of financial hardship stemming from the COVID-19 pandemic and included payment records demonstrating my intent to pay and account activity.…
First Progress Credit Card Reinserted Late Payment After Error Was Acknowledged Im extremely frustrated with First Progress and their handling of my account. Back in XX/XX/year>, I contacted them about a late payment that was incorrectly reported due to a miscommunication on their part regarding an annual fee. I was never properly informed about this fee, and when I spoke to their customer service, they admitted it was their mistake and assured me the late payment would be removed. It was removedtemporarily. Now, out of nowhere, theyve added it back to my credit report as if our previous conversation never happened. This is not just careless, its a serious violation of fair credit reporting practices. Their failure to notify me properly and then re-report the error is unacceptable. This mistake is damaging my credit score, and I demand that it be corrected immediately.…
I am filing this complaint to demand enforcement action against the credit reporting agencies and financial institutions for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, which guarantees the protection of consumers financial privacy. My initial attempt to opt out of the reporting of my XXXX XXXX account was improperly closed due to fraud while I was lawfully exercising my right to opt out. Additionally, the credit reporting agencies have refused to honor my valid requests to opt out of the reporting of my XXXX XXXX account. Despite my submission of proper documentation and requests for correction, the agencies have knowingly refused to block or remove inaccurate and unauthorized entries, in direct violation of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C.…
I discovered a Conspiracy to discredit me when I intended to use my card after paying my balance to zero. Over the phone, I was informed that my account had been reported to the credit bureau due to fraudulent information in my application. The only company reporting a fraudulent address with the credit bureau was XXXX, the same company I had previously complained to the CFPB. I had believed the issue had been resolved, but the thieves are still able to keep my money. XXXX has been providing misleading information to the credit reporting bureau and has sent dozens of replacement cards, some of which dont activate. As a result, I will have to file a lawsuit in federal court. XXXX is retaliating against me for filing a complaint with the CFPB to lower my credit score. The representative informed me that I was a fraud because of misleading application information, as the credit bill provided them with information I am not privy to. They terminated my account based on this information.
XXXX XXXX XXXX is attempting to collect a debt on Behalf of Synovus Bank Acctount Numbers : XXXX & XXXX that has not been validated. NO notice of alleged debt or anything has been recieved from this entity, On XX/XX/XXXX XXXX I learned the debt was sold to this company while reviewing my credit report. when the Rep admitted in that the account is not eligible for reporting. Despite this, they continue collection activity without proof of ownership or verification. This violates the FDCPA ( 15 U.S.C. 1692g ( b ) ) for continuing collection without validation, and the FCRA ( 15 U.S.C. 1681b ) for lacking permissible purpose to report or share data. Furthermore, I have not recieved any debt validation of this debt nor any notices, the company simply bought the debt from Synovus Bank and I have NEVER recieved any written notice of this alleged debt or any correspondence from this data furnishing company. This is in direct violation of : " 15 U.S.C.…
To Whom It May Concern : My name is XXXX XXXX, and I am submitting this formal complaint and request for investigation regarding an inaccurate and unverifiable account that is being reported on my credit file by XXXX XXXX XXXX ( XXXX ), allegedly on behalf of XXXX on behalf of XXXX XXXX Synovus Bank I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This account is inaccurate, incomplete, and can not be verified, and therefore should not be appearing on my credit report. I have previously requested validation of this alleged debt from XXXX, but they have failed to provide any documentation proving that I owe this balance or that proper notice was given. According to 15 U.S.C. 1692g, debt collectors must provide verification of a debt upon request before any further collection or credit reporting activity.…
SYN/FSTPROG is reporting inaccurate information to the credit bureaus. The account shows multiple late payments ( XXXX days late XXXX times and XXXX days late XXXX time ) which are not valid, as I maintained payments during those months and resolved any outstanding balance. The account now reports a {$0.00} balance but remains listed as open with derogatory history. I requested validation and supporting documentation from both the creditor and the credit bureaus as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ), but none was provided. The company simply verified the account without conducting a proper investigation. This inaccurate reporting has negatively affected my credit profile and caused a drop in my credit score. I am requesting a formal investigation and correction of the account information.
I am the consumer on multiple charge-off accounts that are being reported to all three major credit bureaus by XXXX XXXX XXXXXXXX XXXX Synovus Bank/Synovus Cards XXXX and XXXX XXXX Despite these accounts referring to the same underlying debts, each credit bureau is showing completely different and contradictory information for the same accounts. * * Timeline of Events : * * * * XXXX : * * I opened several credit card accounts and XXXX unsecured loan with the creditors listed above. Due to financial hardship, I fell behind on payments between XXXX and XXXX. The accounts were subsequently charged off by the creditors. * * XXXX : * * The accounts were charged off and reported as derogatory across all three credit bureaus. However, I noticed significant inconsistencies in how the same account information was being reported.…
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