topic Re: Synergetic Communications Inc, is this a SCAM in Rebuilding Your Credit

Synergetic Communications Inc, is this a SCAM

Anonymous — Mon, 22 Feb 2021 17:28:01 GMT

Rcvd letter from Synergetic Communications offering a settlement for a repposession I have with Nissan Motor back on 2019 for $6k. Letter offer to settle for $2100.

I am reading horrible stories about the collection agency as a SCAM.

How should I handle this. I would love to take advantage of the settlement amount. Have the funds to pay.

Thanks for your assistance!

Re: Synergetic Communications Inc, is this a SCAM

thornback — Mon, 22 Feb 2021 17:44:30 GMT

They've been in business for nearly 25 years so I'm guessing they're not a scam -- tho folks may not be very pleased with their business practices.

How old is the debt with Nissan?

Do you know if Nissan sold the debt to this collection agency or if they just assigned collection authority?

What is the statute of limitations for debt collection (SOL) in your state?

Re: Synergetic Communications Inc, is this a SCAM

Anonymous — Mon, 22 Feb 2021 17:47:11 GMT

@thornback wrote:
They've been in business for nearly 25 years so I'm guessing they're not a scam -- tho folks may not be very pleased with their business practices.

How old is the debt with Nissan?
Do you know if Nissan sold the debt to this collection agency or if they just assigned collection authority?
What is the statute of limitations for debt collection (SOL) in your state?

Debt is from Sept 2019 and from what I have read they are a third party debt collector, does not own the debt. I'm in Maryland and within my SOL.

Re: Synergetic Communications Inc, is this a SCAM

thornback — Mon, 22 Feb 2021 17:52:12 GMT

@Anonymous wrote:
Debt is from Sept 2019 and from what I have read they are a third party debt collector, does not own the debt. I'm in Maryland and within my SOL.

So, since they have some sketchy reviews, I'd first call Nissan just to confirm that this collection agency is, indeed, working on their behalf and if so, absolutely take the offer and be done-- just be sure to keep proof of payment. Once paid, the agency should automatically inform Nissan that the debt is satisfied and Nissan should, in turn, update the tradeline on your reports to reflect a $0 balance.

Re: Synergetic Communications Inc, is this a SCAM

Anonymous — Mon, 22 Feb 2021 17:58:41 GMT

@thornback wrote:
@Anonymous wrote:
Debt is from Sept 2019 and from what I have read they are a third party debt collector, does not own the debt. I'm in Maryland and within my SOL.
So, since they have some sketchy reviews, I'd first call Nissan just to confirm that this collection agency is, indeed, working on their behalf and if so, absolutely take the offer and be done-- just be sure to keep proof of payment. Once paid, the agency should automatically inform Nissan that the debt is satisfied and Nissan should, in turn, update the tradeline on your reports to reflect a $0 balance.

Can I ask for a PFD?

I will tackle this today!

Re: Synergetic Communications Inc, is this a SCAM

thornback — Mon, 22 Feb 2021 18:00:57 GMT

@Anonymous wrote:
Can I ask for a PFD?
I will tackle this today!

Is the collection agency reporting their own tradeline (so you have a tradeline from both Nissan and Synergetic on your reports)?

I got the impression that they weren't reporting their own tradeline because you asked if they were a scam...

Re: Synergetic Communications Inc, is this a SCAM

Anonymous — Mon, 22 Feb 2021 18:09:20 GMT

@thornback wrote:
@Anonymous wrote:
Can I ask for a PFD?
I will tackle this today!
Is the collection agency reporting their own tradeline (so you have a tradeline from both Nissan and Synergetic on your reports)?
I got the impression that they weren't reporting their own tradeline because you asked if they were a scam...

No the collection agency is not reporting a traddline. Only Nissan is reporting on my reports.

Re: Synergetic Communications Inc, is this a SCAM

thornback — Mon, 22 Feb 2021 18:12:10 GMT

@Anonymous wrote:
No the collection agency is not reporting a traddline. Only Nissan is reporting on my reports.

OK then no, you cannot request a PFD. The collection agency has no authority to remove the original creditor's tradeline --nor can they promise you the original creditor will do so.

Once paid, you can begin a Goodwill Campaign directly to Nissan to try and have them remove their tradeline as a good faith gesture.

Re: Synergetic Communications Inc, is this a SCAM

Anonymous — Mon, 22 Feb 2021 18:16:08 GMT

@thornback wrote:
@Anonymous wrote:
No the collection agency is not reporting a traddline. Only Nissan is reporting on my reports.
OK then no, you cannot request a PFD. The collection agency has no authority to remove the original creditor's tradeline --nor can they promise you the original creditor will do so.

Once paid, you can begin a Goodwill Campaign directly to Nissan to try and have them remove their tradeline as a good faith gesture.

Thank you, I will try the GW letter.

Re: Synergetic Communications Inc, is this a SCAM

thornback — Mon, 22 Feb 2021 18:17:07 GMT

@Anonymous wrote:
Thank you, I will try the GW letter.

Good Luck!!

Re: Synergetic Communications Inc, is this a SCAM

bass_playr — Tue, 23 Feb 2021 15:28:38 GMT

Does their letter say they are collecting on behalf of Nissan or is another party named as the current creditor?

I see a lot of bad reviews about them online, but in my experience, a lot of people will leave a bad review or call the debt collector a scam even though they might even know they owe that money. People just don't like debt collectors, so I would not consider them a scam based off of those reviews. I like the advice you got above, about contacting Nissan to verify. Aside from that, paying that collection will stop it from being constantly updated as an unpaid collection in your credit file, and that's good news for the long term. Good luck.

Re: Synergetic Communications Inc, is this a SCAM

Anonymous — Tue, 23 Feb 2021 16:10:25 GMT

@bass_playr wrote:
Does their letter say they are collecting on behalf of Nissan or is another party named as the current creditor?

I see a lot of bad reviews about them online, but in my experience, a lot of people will leave a bad review or call the debt collector a scam even though they might even know they owe that money. People just don't like debt collectors, so I would not consider them a scam based off of those reviews. I like the advice you got above, about contacting Nissan to verify. Aside from that, paying that collection will stop it from being constantly updated as an unpaid collection in your credit file, and that's good news for the long term. Good luck.

It states they are collecting on behalf of Nissan, and the client "NIssan" has agreed to a settlement amount.

I paid the settlement amount yesterday.