Synergetic Communication: Who They Are and Your Rights

Type

Collection agency

Also known as

Capital Accounts; Synergetic Communication Inc; SynCom

Headquarters

Houston, TX

Collects

bank and credit union accounts, auto finance deficiencies, finance company loans, medical and dental bills, property management balances, utility and telecom accounts

Phone numbers it lists

(800) 282-3214

Website

syncomcorp.net

824 debt collection complaints were sent to the Consumer Financial Protection Bureau about Synergetic Communication Inc from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Synergetic Communication?

Synergetic Communication, Inc., which calls itself SynCom, is a collection agency headquartered at 5450 NW Central Drive, Suite 220, Houston, TX 77092. A 2016 industry article marked its 20th anniversary as a national collection agency, which places its start around 1996, and named Mike Orlando as founder and president. Its website lists first-party and third-party collections, contact center services, legal collections and bankruptcy servicing among its services.

Why Synergetic Communication May Be Contacting You

SynCom's website lists the industries it serves as healthcare, banking and credit unions, finance companies, property management and real estate, government, utilities and telecom, service businesses, commercial clients, automotive finance and dental. The 2016 article said its historical focus was mid- to late-stage recovery in auto finance and mortgage, and described a late-stage program aimed at accounts two to six years past charge-off.

That makes two scenarios common. One is a fairly fresh account, such as a dental or hospital bill or a credit union loan. The other is an old one: a car that was repossessed years ago, leaving a deficiency balance, or a bank or finance company loan that was charged off long ago and is now being worked again. Its consumer line is (800) 282-3214.

How to Check a Debt Synergetic Communication Says You Owe

The age of the account is the first thing to pin down with any late-stage collection.

• Get the validation notice and read the dates. The notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 must give an itemization date and the balance then, and show interest, fees, payments and credits since.
• Dispute in writing on time. A written dispute within the validation period obliges SynCom to suspend collection until it sends verification. For an auto deficiency, ask for the notice of sale, the sale price and how it was applied.
• Find out who owns the debt. An old loan may have been sold more than once; ask for the current owner's name.
• Compare against your own records. Look for payments, insurance proceeds (including GAP coverage on a car loan) or settlement credits that are missing.
• Check whether it is too old to sue on. In Texas, most consumer debts carry a four-year limitations period (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Accounts two to six years past charge-off can fall on either side of that line, and other states use different periods. Read our update on validation notices and time-barred debt.

What Synergetic Communication Can and Can't Do

When SynCom collects consumer accounts for clients, it is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA's limits apply to every call and letter. On older accounts in particular:

• It may not sue or threaten to sue on a debt it knows is time-barred, or misstate the legal status of an old debt (15 U.S.C. § 1692e(2)(A)).
• Making a small payment on an old debt can have legal consequences in some states; get the terms in writing before paying.
• Texas law does not allow wages to be garnished for a car deficiency or a credit card judgment.
• It is presumed to call too often if it calls more than seven times in seven days on one debt (12 C.F.R. § 1006.14(b)(2)).

We did not find an enforcement action against SynCom in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. If you believe it violated the FDCPA, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Synergetic Communication or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Synergetic Communication: home page
• Synergetic Communication: About us
• Synergetic Communication: Consumer assistance
• insideARM: SynCom celebrates 20th anniversary (2016)
• CFPB Consumer Complaint Database: Synergetic Communication Inc, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Synergetic Communication has violated any law. Company details change; tell us if something here is out of date.