Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a distressing situation I have recently encountered as a customer of Synovus Bank. I have discovered the existence of an account with your bank that I have no knowledge of, and I strongly suspect it to be a case of identity theft. Furthermore, I believe that Synovus Bank 's handling of this situation may be in violation of the Fair Credit Reporting Act ( FCRA ). 

I have obtained the following information about the fraudulent account : Account # : [ XXXX ] Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$65.00} No. of Months ( terms ) : - High Credit : {$65.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : THIS IS NOT MINE I want to emphasize that I have never opened or authorized any such account with Synovus Bank XXXX This account has been wrongfully associated with my name and personal information, leading to significant concerns and potential harm to my financial well-being. 

Under the Fair Credit Reporting Act, it is the responsibility of financial institutions to ensure the accuracy and integrity of the information they report to credit bureaus. Based on the information provided, it appears that Synovus Bank has violated my rights under the FCRA by reporting inaccurate and fraudulent account information to the credit bureau, thereby damaging my credit profile. 

In addition to the actions requested in my previous complaint letter, I request the following : Conduct an immediate investigation into the origin and handling of this fraudulent account, ensuring compliance with the Fair Credit Reporting Act. 
Rectify any inaccuracies or discrepancies in the information reported to the credit bureau, including removing the fraudulent account from my credit report and updating it as fraudulent. 
Provide me with a written explanation of the steps taken to rectify the FCRA violation and restore the accuracy of my credit report. 
Implement internal procedures and safeguards to prevent similar violations of the Fair Credit Reporting Act in the future. 
Furthermore, I have already filed a police report regarding this incident, which outlines the identity theft and fraudulent account associated with Synovus Bank. This police report serves as evidence of criminal activity and emphasizes the seriousness of the situation. 

I trust that Synovus Bank will handle this matter with the urgency and sensitivity it requires, not only to address the fraudulent account but also to rectify the violation of my rights under the Fair Credit Reporting Act. 

I request a written acknowledgment of this complaint within [ Specify a reasonable timeframe, e.g., XXXX business days ] from the receipt of this letter. Please provide me with a dedicated point of contact whom I can reach out to for updates and further communication regarding the resolution of this matter and the FCRA violation. 

Should the matter not be resolved to my satisfaction, I may be compelled to seek legal recourse and escalate this complaint to the appropriate regulatory bodies. 



Yours faithfully,