Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: IL

Complaint narrative:
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. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception .I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

I am requesting full validation of this debt, including, but not limited to : A copy of the original signed credit card agreement bearing my signature ; A complete itemized accounting of all charges, payments, interest, and fees claimed ; Proof that your agency is legally authorized to collect this specific debt ; and Verification from the original creditor confirming that this alleged account has not been paid, settled, or otherwise discharged. 
Until you provide the above documentation, you are in violation of the FDCPA if you continue any form of collection activity including calls, letters, or credit reporting. You are also in violation of the FCRA if you continue to furnish or verify this unvalidated information to any credit reporting agency. 

You are hereby placed on notice to immediately cease and desist from all collection activities and communications unless and until you provide proper, complete validation as required by law. 
If you are unable to provide full validation within XXXX ( XXXX ) calendar days from receipt of this letter, you are required to : Delete all references to this account from XXXX XXXX XXXX XXXX ; and Cease all contact with me regarding this matter, as continued collection efforts without validation constitute willful noncompliance under 15 U.S.C. 1681n and 1692k. 

If you fail to comply, I will pursue all legal remedies available, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider a civil action for violations of the FDCPA and FCRA, including statutory damages, actual damages, attorneys fees, and punitive damages as permitted by law.

Company response to consumer: Closed with non-monetary relief