This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Synovus Bank

Complaints in Missouri

C

State Insight: Synovus Bank in Missouri

Synovus Bank has accumulated 10 CFPB consumer complaints filed by Missouri residents, which represents 1.6% of the company's national total of 621 complaints — a small fraction of this collector's national complaint volume. Of those Missouri filings, 3 landed in the most recent rolling twelve months, with most filings distributed across earlier periods rather than the most recent year.

Nationally, Synovus Bank is active across 39 states nationwide, and 100% of national complaints received a timely CFPB response. The CFPB Consumer Complaint Database records narratives submitted directly by consumers and forwarded to the company for response; these submissions reflect allegations and consumer experience rather than adjudicated findings. A high complaint concentration in one state can signal localized collection activity, a regional servicing contract, or simply the state's share of the company's overall portfolio — context that typically requires pairing with population-adjusted rates to interpret.

Source: CFPB Consumer Complaint Database · Window: rolling 12 months vs. full history · Coverage: Missouri only (see national profile for cross-state context)

10
Missouri complaints
3
Last 12 months (state)
1.6%
of national total

National Overview

Total complaints (all states) 621
Last 12 months (all states) 161
Timely response rate 100%
States active 39
View full company profile All collectors in Missouri

Consumer Tip

Under the FDCPA, debt collectors must mail you written notice within 5 days of first contact. You have 30 days to dispute the debt in writing. If you dispute, the collector must stop collection until they provide verification.

Full rights guide →

Data from CFPB Consumer Complaint Database. Complaints are consumer-submitted and not independently verified.

Read our methodology — how this data is sourced, computed, and verified.

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Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

How To Read This Page

This page summarizes the federal CFPB complaint record for Synovus Bank from Missouri residents specifically. The 10 state complaints represent 1.6% of the collector's national total (621), reflecting how concentrated this collector's exposure is in Missouri. A high state-share indicates either regional concentration of the collector's portfolio or an active state-level enforcement or consumer-advocacy environment that drives residents toward the federal complaint channel.

State Law and the FDCPA

The federal Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. § 1692) applies to third-party debt collectors and credit-reporting agencies in Missouri the same way it applies in every state. But Missouri may have its own state-level debt-collection statute that adds protections beyond the federal minimum — extending coverage to creditors collecting their own debts, imposing licensing requirements, or adjusting the statute-of-limitations on consumer debt. Check the Missouri attorney general's consumer-protection page for state-specific rights before deciding whether to pursue a state-channel complaint in addition to your CFPB filing.

Filing Your Own Complaint

If your experience with Synovus Bank reflects FDCPA violations (harassment, threatening lawsuits the company has no intention of filing, third-party disclosure of the debt, contacting you at work after a documented request to stop, attempting to collect on debt you do not recognize, debt past the statute of limitations, or debt previously paid or discharged), you can file at the federal CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to Synovus Bank, which must respond within 15 days. Your complaint becomes part of the federal dataset that powers these pages — you are both a beneficiary of and a contributor to the federal record.

Methodology Note

State-of-residence in the CFPB dataset reflects where the consumer was when filing, not where Synovus Bank is headquartered. National collectors operate from a small number of corporate addresses but appear on every state's per-state page when consumers from that state file. The 10 Missouri complaints therefore reflect consumer experience in Missouri, not the collector's local operational footprint.

Reading This Page Alongside the National Profile

Every figure on this page is a per-state slice of the national record for Synovus Bank. To understand whether the 10 Missouri complaints reflect a state-specific issue or a national pattern, compare the state share (1.6%) against the underlying state-population share. If your state's share of Synovus Bank's national complaint volume materially exceeds your state's share of the national population, that signals concentrated activity in this state — which can mean the collector holds a disproportionate portfolio here, faces stronger state-level enforcement and consumer-advocacy activity that drives federal filings, or has compliance issues specific to this jurisdiction. The collector's main company profile shows the national context for the same metrics.

What This Page Does Not Show

This view does not capture Missouri attorney-general complaints, state banking-regulator complaints, or Missouri state-court litigation against Synovus Bank — those records live in separate channels we do not aggregate. A collector with low CFPB volume in Missouri may still face substantial state-level enforcement activity if consumer-advocacy groups direct local residents toward state channels first. For a complete trust profile, cross-reference this federal record with state-channel summaries (most state AGs publish quarterly or annual consumer- complaint reports). The federal CFPB record remains the only continuously updated, machine-readable, national-scope source — which is why it anchors our reputation grades.