Debt collection
Synergetic Communication: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 35
- Closed with money back
- 0
- 2023 to 2025
- 1 to 24
Synergetic Communication received 464 complaints from everyone in the window; 35 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 35 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 1 in 2023 to 24 in 2025.
What the complaints are about
By product
| Debt collection | 29 |
| Credit reporting or other personal consumer reports | 5 |
| Checking or savings account | 1 |
By issue
| Attempts to collect debt not owed | 12 |
| False statements or representation | 7 |
| Communication tactics | 3 |
| Improper use of your report | 2 |
| Incorrect information on your report | 2 |
| 2023: 1 | 2024: 10 | 2025: 24 |
Which accounts, specifically
| Medical debt | 12 |
| Other debt | 6 |
| Rental debt | 6 |
| Credit reporting | 5 |
| I do not know | 5 |
What went wrong, specifically
| Debt is not yours | 10 |
| Attempted to collect wrong amount | 7 |
| Threatened or suggested your credit would be damaged | 3 |
| Frequent or repeated calls | 2 |
| Reporting company used your report improperly | 2 |
Busiest month: August 2025, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (9), AL (3), GA (3) , then CO, DE, FL.
How Synergetic Communication answered
| Closed with explanation | 35 |
Synergetic Communication responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (1). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Electronic communications. NE, 2024-08-02. Outcome: Closed with explanation. Complaint 9695843
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Debt collection; Attempts to collect debt not owed. GA, 2024-06-10. Outcome: Closed with explanation. Complaint 9222778
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Checking or savings account; Opening an account. FL, 2024-05-23. Outcome: Closed with explanation. Complaint 9076247
If this is your problem at Synergetic Communication
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Goal Structured Solutions 35 servicemember complaints; 0 with money back
- Revco Management 35 servicemember complaints; 0 with money back
- Cedars Business Services 36 servicemember complaints; 0 with money back
- Crown Asset Management, LLC, Duluth, Ga Branch 34 servicemember complaints; 0 with money back
- Helvey & Associates, Inc., Warsaw, In Branch 34 servicemember complaints; 0 with money back
Next in the directory by volume: Professional Recovery Management.
Frequently asked questions
How many complaints did servicemembers file against Synergetic Communication?
35 complaints tagged servicemember were received by the CFPB about Synergetic Communication Inc between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 1 in 2023 to 24 in 2025.
What do servicemembers complain about most at Synergetic Communication?
Debt collection accounts for 29 of the 35 complaints, and the most common issue is "Attempts to collect debt not owed" (12). Next: "False statements or representation" (7).
Does Synergetic Communication give money back when a servicemember complains?
0 of the 35 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 35 closed with an explanation only. Synergetic Communication answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.