Debt collection -- Attempts to collect debt not owed -- Complaint #5240411
Complaint Overview
Complaint ID: 5240411
Company: Synovus Bank
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Florida
ZIP Code: 33150
Date Received: 2022-02-19T12:00:00-05:00
Date Sent to Company: 2022-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I, XXXX XXXX received my consumer reports and I have noticed various areas in the way First Progress Remittances ( also known as FIRST PROGRESS ) as well as XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX XXXX ) are furnishing my information. They are tarnishing my credit score tremendously by reporting late payments every month on a Charge Off account to all the Credit Reporting Agencies and never disclose any details nor provided me with any information nor asked permission to report this late payment which is violating my consumer rights. In fact, Ive never given the Credit Reporting Agencies ( XXXX, XXXX, XXXX, to report this information as well. There are various federal laws in place to protect me as a consumer, according to 15USC 1666 ( B ) and another 15USC 1681 ( B ) so they are all in violation to my consumer rights. When I am saying ( They ) I am referring to the following, FIRST Progress, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as well as XXXX, XXXX, and XXXX. As a consumer, I am demanding that these companies report to the following accounts should promptly be updated as ON TIME to all 3 Credit Reporting Agencies, XXXX, XXXX, XXXX. The account numbers are listed below. the account number with First Progress is # XXXX The account number with XXXX XXXX XXXX XXXX XXXX XXXX The account number with XXXX XXXX XXXX XXXX # XXXX With them violating my consumer rights and reporting this information to my reports has caused extremely XXXX XXXX XXXX, stress and XXXX and anxiety. I have not been able to get approved for new credit because of these companies I have stated above and according to 15USC 1691 thats a violation to my consumer rights as well.
Frequently Asked Questions
What is Complaint #5240411 about?
Complaint #5240411 was filed against Synovus Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-02-19T12:00:00-05:00.
How did Synovus Bank respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Synovus Bank?
Yes, visit the Synovus Bank company profile at readthecomplaint.com/company/synovus-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.