Synerprise Consulting Services: What to Do If They Contact You

Synerprise Consulting Services, Inc. has collected medical debts for hospitals, clinics, pharmacies, and physician groups from their Plano, Texas office since 2002, with a second office in Mission, Kansas.

A documented complaint shows SCS removing a paid account from a consumer’s credit report, then resubmitting the same item months later, dropping the consumer’s score by 50 points. This guide covers who they are and how to respond.

Who Is Synerprise Consulting Services?

Synerprise Consulting Services, Inc. is a healthcare-only debt collection agency with approximately 30 employees. They use a fully automated collection system and integrated dialer, and offer pre-collect, early-out, insurance follow-up, and bad-debt recovery services.

The BBB has recorded 6 complaints in three years; the CFPB has closed 21 complaints since June 2015; 3 Justia civil cases name SCS.

Texas has a 4-year statute of limitations on written contracts. Texas collectors are subject to both the FDCPA and the Texas Debt Collection Act, Finance Code Chapter 392.

Removing a Paid Account, Then Resubmitting It

A documented October 2016 BBB complaint describes a consumer who had already paid a medical debt that SCS was collecting. SCS initially removed the item from the consumer’s credit report. Several months later, SCS resubmitted the same account, dropping the consumer’s credit score by 50 points.

The consumer submitted payment records with dates and amounts proving the debt had been settled. SCS agreed to remove the items again in response.

If SCS has reported an account you previously paid or settled, pull your payment records and any prior deletion confirmations before contacting SCS or filing a dispute. FCRA furnisher obligations require accurate reporting, and resubmitting a previously deleted paid account is a documented SCS complaint pattern.

Collecting Debts Not Owed

A documented April 2016 BBB complaint describes a consumer billed $700 for medical treatment they stated they did not owe. FDCPA complaint categories against SCS include attempting to collect debts not owed and failure to verify debts.

For any SCS medical account you do not recognize, request the original provider name, the date of service, and an itemized bill before responding. Healthcare billing errors frequently occur when accounts are misattributed or insurance coordination is incomplete at referral.

Harassment and Threatening Conduct

A documented consumer complaint describes an SCS representative whose conduct during a collection call led the consumer to retain a debt harassment attorney, who subsequently filed an FDCPA lawsuit alleging harassment and threatening conduct.

If SCS has used threatening language, called repeatedly in a single day, or contacted family members about your debt, document each incident with date, time, and the representative’s exact words before filing a CFPB complaint.

Medical Debt Reporting Rules Apply

SCS collects exclusively for healthcare providers. Medical debts under $500 cannot appear on any consumer credit report. Any medical debt must wait one full year past the date of first delinquency before being reported regardless of the balance.

If SCS has reported a medical balance under $500 or less than one year past due, dispute it immediately.

What SCS Cannot Do Under Federal and Texas Law

• Resubmit a deleted paid account to credit bureaus: A documented BBB complaint. Resubmitting a previously removed paid account violates FCRA furnisher accuracy obligations.
• Attempt to collect debts not owed: A documented FDCPA complaint category against SCS. Any account you do not recognize requires itemized documentation before engaging.
• Use harassing or threatening conduct during collection calls: A documented complaint that led to an FDCPA lawsuit. Log date, time, and exact language for any such call.
• Report medical debts under $500 or less than one year past due: Current CFPB rules prohibit both outright.
• Violate the Texas Debt Collection Act: Texas Finance Code Chapter 392 provides independent enforcement avenues for Texas consumers.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original provider name, the date of service, an itemized bill, and your insurer’s explanation of benefits. If SCS previously deleted this account, include documentation of that deletion in your dispute.

How to Find SCS on Your Credit Report

Look for “Synerprise Consulting Services” and “SCS” on your credit reports. If an entry reappears after previously being removed, document the deletion date before filing the dispute.

Your Options Before Paying or Responding

• Pull prior deletion records before disputing a resubmitted account: The documented complaint shows SCS resubmitting deleted paid accounts. A prior deletion confirmation strengthens any dispute.
• Request itemized documentation for any unrecognized account: The documented complaint of collecting debts not owed makes this a necessary first step.
• Log any threatening or harassing call immediately: A documented FDCPA lawsuit arose from a single call. Date, time, and exact language matter.
• File with the Texas AG in addition to CFPB: The Texas Debt Collection Act gives the Texas AG enforcement authority over violations independent of the FDCPA.

How to Contact Synerprise Consulting Services

• Texas address: Synerprise Consulting Services, Inc., 2809 Regal Road, Suite 107, Plano, TX 75075
• Phone: (972) 985-0100

Bottom Line

Synerprise Consulting Services has a documented pattern of resubmitting paid accounts after deletion and collecting debts consumers say they do not owe. A prior FDCPA lawsuit also arose from a harassing collection call.

Before engaging or paying anything SCS claims, pull your payment records and any prior deletion confirmations. If the account is not yours, request an itemized bill and the original provider name before taking any further action.