Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
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. This raises concerns about the legal relationship between the original creditor and the collector and whether the information being reported is accurate and compliant with federal consumer protection laws. The conduct of Synergetic Communication Inc. appears to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collector has contacted me before XXXX XXXX and after XXXX XXXX, which violates 15 U.S.C. 1692c ( a ) ( 1 ) regarding communication at inconvenient times. The collector has also contacted my place of employment, which violates 15 U.S.C. 1692c ( a ) ( 3 ) when a debt collector knows or should know that such communication is not permitted. The repeated phone calls also appear to constitute harassment under 15 U.S.C. 1692d, which prohibits repeated or continuous calls intended to annoy, abuse, or harass a consumer. In addition, despite attempting to collect this alleged debt, Synergetic Communication Inc. has not provided proper validation of the debt as required under 15 U.S.C. 1692g. I have requested documentation verifying the alleged debt and the collectors authority to collect it, but no such documentation has been provided. At the same time, XXXX XXXX XXXX continues to report the account to consumer reporting agencies, which raises concerns under the Fair Credit Reporting Act, including : 15 U.S.C. 1681i Requirement to conduct a reasonable investigation of disputed information. 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to report accurate and verifiable information. Additionally, there appears to be inconsistent and potentially misleading reporting on the credit file. The account shows that the status was last updated in XX/XX/XXXX, yet the balance was updated in XX/XX/XXXX. This discrepancy raises concerns regarding the accuracy and integrity of the information being furnished to consumer reporting agencies. Such inconsistent reporting may indicate non-compliance with XXXX XXXX reporting standards established by the * * XXXX XXXX XXXX XXXX and processed through the * * XXXX dispute verification system. Because proper validation has not been provided and the reporting appears inconsistent, I am requesting the following resolution : 1. Immediate cessation of all telephone communication with me. 2. Written validation of the alleged debt, including the original signed contract and complete payment history. 3. Documentation showing the legal authority of Synergetic Communication Inc. to collect on behalf of XXXX XXXX XXXX. 4. Confirmation that the information being reported complies with FCRA accuracy and XXXX XXXX reporting standards. 5. Immediate deletion of this account from all consumer reporting agencies if proper validation can not be provided. If these issues are not resolved, I will pursue additional complaints with the * * Federal Trade Commission and my state Attorney General and will consider legal action for statutory damages under the FDCPA and FCRA. I respectfully request that this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation