Synergetic Communication Inc or SYNCOM is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Synergetic Communication or SYNCOM?
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.
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Is Synergetic Communication SYNCOM a scam?
They’re legit. According to the Better Business Bureau (BBB), Synergetic Communication, Inc. is a legitimate collection agency, founded and incorporated in 1996. The BBB established SCI’s profile page in 1997. SCI is listed as a collection agency. Buzzfile estimates SYNCOMS’s annual revenue at $8.13million 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.”
Who does Synergetic Communication collect for?
Synergetic Communication Inc has historically specialized “in large balance portfolios in the auto finance and mortgage industries.” More recently, SYNCOM has acquired a portfolio comprised of clients from the credit card, banking, utility, telecommunications, and consumer finance industries. SYNCOM accepts accounts for both consumer and commercial collections.
SYNCOM’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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Synergetic Communication Inc – SYNCOM?
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.
Synergetic Communication, Inc. 5450 Northwest Central, Suite 220 Houston, TX 77092 Telephone: (800) 580-8615 Website: http://www.syncomcorp.net/
Can Synergetic Communication Inc – SYNCOM Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SYNCOM would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
in 2016, consumer filed a proposed class action lawsuit against Synergetic Communication, Inc. over claims that the debt collection agency breached regulations set forth by the Fair Debt Collection Practices Act (FDCPA). The lawsuit claims a non-FDCPA-compliant letter sent by the defendant to the plaintiff could be misunderstood by the unsophisticated consumer because it fails to note via safe harbor language whether the debt amount is accruing interest and fees. This omission, along with failing to note the date that the amount of debt owed was calculated, could lead the debtor to be confused as to the exact total balance owed, which may be greater than that listed on the collection letter.
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 – SYNCOM Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue SYNCOM for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
“Thank you and your staff for the exceptional work you did on my behalf in dealing with a debt collector. I’ve not experienced the level of professionalism, care, timeliness in follow-through, and financial compensation obtained through your firm.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
“I did not realize I’d be getting any money from this wretched affair. I’m taken aback by what you have achieved in my behalf.”
Can You Help Me Delete Synergetic Communication Inc – SYNCOM from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.