Debt collection -- Took or threatened to take negative or legal action -- Complaint #17939840
Synovus Bank Accused of Threatening Credit Damage in Debt Collection
Complaint Overview
Complaint ID: 17939840
Company: Synovus Bank
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Florida
ZIP Code: 34983
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The complaint alleges a threat to credit, which could indicate violations of fair debt collection practices and potentially impact the consumer's credit score.
Consumer Sentiment: negative
Topics: Debt collection, Credit reporting, Unfair practices
AI Analysis
CFPB complaint 17939840 was filed against Synovus Bank regarding Debt collection (I do not know), specifically about "Took or threatened to take negative or legal action". A consumer filed a complaint against Synovus Bank alleging that the bank threatened to damage their credit, which falls under debt collection practices. The complaint was received on October 31, 2025 from Florida. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should be aware of their rights regarding debt collection and document any threats or misleading statements made by debt collectors.
Legal Context & Consumer Protection Laws
This complaint touches upon the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), which govern how credit information is reported and how debts are collected.
Regulatory Insight
Regulators are increasingly scrutinizing debt collection practices, particularly those involving threats or misrepresentations about credit impact.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Florida, debt collection practices are subject to state laws in addition to federal regulations.
Industry Comparison
This type of complaint is common in the debt collection industry, where disputes over collection tactics and credit reporting often arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17939840 about?
CFPB complaint 17939840 involves Debt collection (I do not know). The consumer reported an issue with "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This complaint was filed against Synovus Bank on October 31, 2025.
Which company is complaint 17939840 filed against?
Complaint 17939840 was filed against Synovus Bank. You can view all complaints against this company on their profile page at /company/synovus-bank.
What was the company's response to complaint 17939840?
Synovus Bank responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 17939840 filed?
Complaint 17939840 was received by the CFPB on October 31, 2025. It was sent to Synovus Bank on December 10, 2025.
What state was complaint 17939840 filed from?
Complaint 17939840 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 17939840?
Dispute information is not available for complaint 17939840.
What product category is complaint 17939840 about?
Complaint 17939840 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 17939840 submitted?
Complaint 17939840 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17939840?
This complaint touches upon the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), which govern how credit information is reported and how debts are collected. This relates to a Debt collection complaint against Synovus Bank involving "Took or threatened to take negative or legal action".
How likely is complaint 17939840 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17939840?
This complaint is rated as medium risk. The complaint alleges a threat to credit, which could indicate violations of fair debt collection practices and potentially impact the consumer's credit score.
What regulatory actions apply to complaint 17939840?
Regulators are increasingly scrutinizing debt collection practices, particularly those involving threats or misrepresentations about credit impact. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17939840?
Consumers should be aware of their rights regarding debt collection and document any threats or misleading statements made by debt collectors.
Are there state-specific protections for complaint 17939840?
In Florida, debt collection practices are subject to state laws in addition to federal regulations. This complaint was filed from Florida.
How does complaint 17939840 compare to industry norms?
This type of complaint is common in the debt collection industry, where disputes over collection tactics and credit reporting often arise.
What specific actions can a consumer take if they believe a debt collector has falsely threatened to damage their credit?
A consumer can file a complaint with the CFPB, the FTC, and their state Attorney General's office. They may also have grounds to pursue legal action against the debt collector for violations of the FDCPA and FCRA.
Under what circumstances is it legal for a debt collector to discuss potential credit damage?
It is generally illegal for a debt collector to threaten to damage a consumer's credit if the debt is not valid or if they have no intention of reporting it to credit bureaus. Legitimate reporting of delinquent debts to credit bureaus is permissible.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.