| Synergy Acceptance Corp |
| Synergy Acceptance Corp SCAM - LOAN COMPANY - BILLING, COLLECTIONS, COUSTOMER SERVICE, ETC. San Francisco, California |
| 14th of Jul, 2011 by User487624 |
| In April of 2007, I purchased my 2006 MINI Cooper S from South Atlanta BMW/MINI on Jonesboro Road in Union City, GA. Synergy Acceptance Corporation was the company who ended up financing the car through South Atlanta BMW/MINI . I purchased the car for $21,459.93, with a percentage rate of 26% (not the best credit rating at the time), a finance charge of $17,508.87 and I financed the vehicle for 60 months. The total payments would be $38,968.80. The car will be paid off in April of 2012. Scams on this company are ALL over the place. I contacted the Federal Trade Commission, The State Attorney Generals Office and The Department of Consumer Affairs. After my investigations started in December, a friend of mine contacted on my behalf requesting my Payment History (I personally was requesting this and had not gotten anywhere). She sent the letter dated 1/31/2011 to their attorney on file and we got a response 2/14/2011. My initial complaint made with the BBB started 12/2/2010 and wasn't closed until 4/20/2011 with my Payment History. They showed I financed $21,459.93 and the Payoff Amount was $17,160.31. I am no finance genius, but that is INCORRECT! The BBB tried 3 times to contact them and had NO response. The BBB indicated they had an F rating as a business. And so on! I have done investigating on this company and it has come to my attention some alarming things. The Georgia office abruptly closed (this was my local office). This I was only made aware of months after this had happened. Cars were repossessed that were not to be and damaged. Yet, the company does not claim responsibility. Amounts on vehicles were incorrect as mine. Phone calls not returned, references being called when they shouldn't be, incorrect payment histories. The list goes on and on. With the unfortunate economy and like you know, I was laid off on New Year's Eve 2008, but made every effort t make my payments on the car, even if they were late. In four -(4) years that I have had the car in my possession, I have never had the car repossessed, I have maintained it and kept it insured, etc. Also, in April of 2008, I was diagnosed with a brain tumor and since then have battled with the repercussions of that. I am on disability and have gotten employment as of April of this year, but it does not affect my ability to take care of my financial obligations. I know this is lengthy, but there is a lot. I had pulled my credit two weeks ago to verify my score. Late last year I did file Chapter 7 Bankruptcy, but the car was never included. They were NOT listed on my credit at all. I reaffirmed this again last night at Carmax because I had my car appraised. It appraised at $15,000.00 and Kelly Blue Book had it valued at $15025.00. They tried to get the payoff amount last night and there was no answer. Carmax indicated they have NEVER heard of them! In the last five-months there has been absolutely communication from them. I stopped making payments because things are very unnerving. There is more, yet you might tire over there! lol!!! I know this is no laughing matter, but I am just a wreck about what to do. |
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| I have a truck I bought from kelly cars in kennesaw georgia, I have made payments without fail, or late since the beginning. Synergy was the financer. back a couple of years ago they moved offices abruptly and never informed me for like 3 months. I was worried then because they had put me as "late" on my credit report..when in fact I had been sending payments that were returned because they had moved. then I finally heard from them again..and they had added all these late charges on for the 3 months they had been "awol". plus they started calling me 3 days in advance before my payments were due. then, Ricky Roberson came in the picture..where before I was able to call some out of state office tomake payments if I didnt mail it...all of a sudden all I could reach was the Ricky person, no customer service, no nothing. They were sending me offf the wall statements, with like 500 dollars added onto my payments. It was all very strange. Now ..last month I sent a payment, and the check has never cleared my account. I can't reach anyone this month to find anything out and to make sure my payments are going through. says the number is disconnected. this is very scarey as my truck is almost paid off. can anyone help??? |
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| I called the GBI asking for help! Yes, I really did and they told me that they couldn't help, but I guess at this point we have to get a lawyer. I did read that the investors of the company were caught doing illegal things by the federal trade commission. What's crazy is the secretary of state won't help eve though I know they have to be getting a load of complaints! Synergy got the he'll out of Georgia bc they knew Georgia would eventually "stick it" to them. There is an address that is not a P.O. Box this company uses in California. Man! I wish I could get somebody to go see whats actually there. Btw, Claudiav I bought my car from Kelley Kars too and I even tried backtracking to them only to find out they are gone! I did contact the BBB and somebody finally responded asking that I call a certain number. When I called the lady answered like it was a personal cell number. My assumption is this when synergy went out of business possibly some disgruntled employees or even shady investors grabbed some titles and said let's just try to get some cash. And as far as titles go..from what I was told is that this co had so many investors that no one knows who has what titles to what car. They are now operating in California. They need to get a hold of this company bc somethings just not right and in America this shouldn't be happening for this long. Hey! If there's a lawyer out here that is ready to take this on send us a post ASAP! |
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