Debt collection -- Attempts to collect debt not owed -- Complaint #7223812
Complaint Overview
Complaint ID: 7223812
Company: Synovus Bank
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 33470
Date Received: 2023-07-08T12:00:00-05:00
Date Sent to Company: 2023-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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,
Frequently Asked Questions
What is Complaint #7223812 about?
Complaint #7223812 was filed against Synovus Bank regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-07-08T12:00:00-05:00.
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.