- Report: #147219
Complaint Review: SYNCOM - Houston Texas
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SYNCOM
5450 N.W. Central #1000 Houston, 77092 Texas, U.S.A.
Phone:
800-580-8615
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SYNCOM Ripoff: Fraud and Extortion tactics Houston Texas
I received a letter from SYNCOM dated 6/16/05. It is in regard to a debt they say I owe to Vanderbilt Mortgage in the amount of $3062.00. The fact of the matter is that property was left to my ex-wife after a divorce settlement. I have not lived at that address since September 1997 and my divorce finalized on April 1998. I had no contact with my ex-wife, but I assume she let the property "go back". In addition, the foreclosure shows on my credit reports and I've had no contact with Vanderbilt Mortgage in years. Now 8 years later, I get this letter out of the blue. This appears like fraudulent practice by Vanderbilt and/or SYNCOM because they foreclosed on the property, put it on my credit report, and now are trying to collect again.
Larrie
San Antonio, Texas
U.S.A.
Larrie
San Antonio, Texas
U.S.A.
2 Updates & Rebuttals
Tina
Post Falls,Idaho,
U.S.A.
OLD COLLECTIONS OR BALANCE LEFT AFTER A REPOSESSION
#2UPDATE EX-employee responds
Wed, February 25, 2009
I worked for this company and the way they do business is completely rude and they lie so badly to these people about debts they should not have to pay. The collectors violate the FDCPA and the management Nick, Tracy and Steve all promote the collectors to violate whenever possible. The debts are usually on old vehicles loans. The threats and ignorance involved is ridiculous and the conduct is beyond belief. Whenever dealing with these people know your laws and know the FDCPA laws because they will violate more than once. They will never file a lawsuit against you and the clients will never proceed on these old loans. They will lie to you and make you think they will but they are all liars. Some states are protected under laws of either non-deficiency laws or if your in SC, NC, TX or CA you are completely protected.
Collectingks
Post Falls,Idaho,
U.S.A.
KNOW THE LAWS BEFORE YOU ISSUE A COMPLAINT
#3UPDATE Employee
Thu, September 13, 2007
Syncom is a collection agency who obeys the fdcpa. Maybe if you read the laws before you made your complaint you would realize you are in the wrong. Per your contract you signed & per state law, OUR CONTRACT OVERRIDES ANYTHING A DIVORCE COURT ORDERS. Example, john & sally get married, john has great credit, sally has very poor credit. They finance a house/vehicle together, & the creditor or bank agrees to the loan, but basically because of johns credit, not sally's. Then things don't work out between john & sally & they get divorced. Well the house/vehicle they financed sally wants to keep, & john agrees that she can keep it & that she is responsible for the loan. Well the bank would have never loaned the money to sally without john because her credit is so bad. They only agreed to loan the money to both of them, so they are both equally responsible until the debt is paid. You see, its the banks house/vehicle until it is paid off, no judge can decide that someone doesn't owe the bank money anymore, he doesn't decide what happens with the banks loan/money. A lot of people don't understand that they are still responsible until the loan is takin out of their name, meaning a refinance or paying the loan off. As you can see our case & point, your ex-wife defaulted on the debt & now refuses to pay the debt, which is why it falls back on you. It can legally be reported to your credit & you can also be sued by the bank because you are a co-signer until it is paid off no matter what the divorce decree states. Now, you can file a suit against your ex-wife or hold her in contempt of court because she did not follow a divorce decree & its affecting your finances, & you can even seek full reimbursement from her. But the bank never agreed to make your ex fully responsible, & its the banks money you borrowed, not the judges. We decide who pays, not a divorce decree or judge. If this does not sound correct, then contact your attorney & ask if it is, & if your attorney knows divorce law well, he will inform that I am in fact correct, I'll bet my next pitiful paycheck on it.
