Synter Resource Group on Your Credit Report: What to Know

Synter Resource Group, LLC (SRG) is a North Charleston, South Carolina collection agency founded in 2002 that describes itself as the nation’s largest dedicated transportation and logistics debt collector. The agency collects primarily for FedEx and UPS on unpaid shipping invoices, freight charges, and carrier-related balances.

A documented 2017 federal case alleged Synter left voicemails that failed to identify as a debt collector and continued collection after receiving a written dispute letter. The case also raised a significant question: because many Synter accounts involve business shipping invoices rather than personal debts, the FDCPA may not apply to all Synter collections.

Who Is Synter Resource Group, LLC?

Synter Resource Group, LLC is a third-party collection and business process outsourcing agency founded in 2002 and headquartered at 5935 Rivers Avenue, Suite 102, in North Charleston, South Carolina. SRG describes itself as the nation’s largest dedicated transportation collections firm and also operates as a skip-tracing and accounts receivable management company.

Who Does Synter Collect For?

Synter focuses exclusively on transportation, freight, and logistics receivables. Confirmed clients from court records and consumer complaint documentation include:

• FedEx and FedEx Freight: The Cross v. Synter federal case specifically documents a FedEx Freight account. Multiple consumer reviews document SRG collecting for FedEx.
• UPS: Consumer reviews document SRG collecting UPS shipping invoices, including cases where consumers allege the charges originated from fraudulent third-party account access rather than their own shipments.

Cross v. Synter Resource Group: The 2017 Federal Case

Cross v. Synter Resource Group LLC (M.D. Georgia, Civil Action No. 5:17-CV-446, 2019) arose from a FedEx Freight charge on an eBay shipment. The plaintiff alleged Synter left voicemails that did not identify the caller as a debt collector (Section 1692e(11)) and continued sending demand letters after receiving a written dispute (Section 1692g).

The court denied both parties’ summary judgment motions. Critically, the court raised a threshold issue: the FDCPA only applies to personal, family, or household debts. A business shipping invoice may not qualify, which is the central question in most Synter disputes.

The FDCPA and Business Shipping Accounts

The FDCPA applies only to debts for personal, family, or household use. Business shipping invoices may not qualify. If your FedEx or UPS account was used for business purposes, you may not have FDCPA validation rights against Synter, though FCRA dispute rights still apply to any inaccurate reporting. If the shipping was for personal use, the FDCPA applies and the Cross case conduct is directly relevant.

Documented Consumer Complaint Patterns

SRG’s complaint record surfaces recurring issues tied to its transportation collection conduct.

• Collecting on fraudulent shipping charges: Multiple consumer reviews document SRG pursuing UPS charges the consumer did not authorize, including one where UPS confirmed the charges originated from a compromised Shopify account. SRG continued collection despite the consumer’s evidence.
• Leaving voicemails without identifying as a debt collector: The Cross case alleged two SRG voicemails failed to identify the caller as a debt collector. Consumer complaints document similar experiences.
• Continuing collection after a written dispute: The Cross case alleges Synter continued sending demand letters after receiving the plaintiff’s written dispute letter.
• Collecting from consumers with no carrier account: Multiple consumer reviews describe receiving SRG letters for FedEx or UPS accounts they have never held.

What Synter Cannot Do Under Federal Law

These prohibitions apply when the underlying debt qualifies as a consumer debt under the FDCPA.

• Leave voicemails without identifying as a debt collector: FDCPA Section 1692e(11) requires every voicemail to identify the caller as a debt collector. The Cross case alleged this conduct directly.
• Continue collection after a written dispute: Section 1692g requires all collection to pause until Synter produces documentation.
• Report inaccurate information to credit bureaus: Regardless of whether FDCPA applies, Synter must report accurate information under the FCRA. A fraudulent charge reported as a valid collection entry is an FCRA inaccuracy.

South Carolina Consumer Protections

South Carolina residents can file complaints with the SC Department of Consumer Affairs alongside any CFPB complaint under the South Carolina Consumer Protection Code.

Verify Before Paying Synter

Send a certified validation letter demanding the original carrier’s name and account number, the specific shipment date and tracking number, the shipper of record, and confirmation that the charges are tied to an account in your name that you authorized. Contact FedEx or UPS directly to confirm whether the specific charge appears in your account history.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for Synter Resource Group or SRG as the furnisher. Confirm the original carrier, the shipment date, and the balance. If Synter is reporting a shipping charge for a carrier with which you have no account, dispute the entry with all three bureaus simultaneously.

How Long Can Synter Legally Pursue the Debt?

South Carolina allows three years on most open accounts. The state where the shipping account was established may control the statute.

Your Options for Resolving the Account

• Determine whether the debt is consumer or business: This threshold question determines whether FDCPA protections apply. If the shipping was for personal use, validation rights and the Cross case conduct are directly relevant.
• Contact the original carrier directly: Call FedEx or UPS billing to confirm whether the account is in your name and whether the specific charge is in your account history.
• Send Synter written confirmation from the carrier: If FedEx or UPS confirms the charge is not in your account, include that written confirmation with your dispute and demand immediate collection cessation and credit bureau removal.
• File a CFPB complaint for voicemails without debt collector identification: If Synter left a voicemail without identifying as a debt collector, document the call and file a CFPB complaint citing Section 1692e(11) and the Cross case pattern.

How to Contact Synter Resource Group

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: Synter Resource Group, LLC, 5935 Rivers Avenue, Suite 102, North Charleston, SC 29406
• Phone: (843) 746-2200

Bottom Line

Synter Resource Group is the nation’s largest transportation collections firm, collecting primarily for FedEx and UPS. A 2017 federal case alleged Synter left voicemails without identifying as a debt collector and continued collection after a written dispute. Consumer complaints document SRG pursuing fraudulent shipping charges despite consumer evidence of account compromise.

Before responding to any Synter letter, confirm with the original carrier whether the shipping account is registered in your name and whether the specific charge is in your account history. If the carrier cannot confirm the account, document that and dispute in writing before paying anything.

If a Synter account is on your credit file, the right move depends on whether the shipping was for personal or business use, whether the account is registered in your name with the original carrier, and whether the charges were authorized.