Fidelity Creditor Service or FCS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Fidelity Creditor Service or FCS is a third-party debt collection agency based in California. FCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
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Is Fidelity Creditor Service a scam?
They’re legit. According to the Better Business Bureau (BBB), Fidelity Creditor Service was founded in 1964. The BBB established a profile page for Fidelity in 2007. The BBB lists Fidelity Creditor Service as a collection agency also known to go by the name of FCS Investigations. According to Manta, FCS staffs 30 employees and has an annual revenue of $2.2M.
Who does Fidelity Creditor Service collect for?
Fidelity Creditor Service specializes in collecting legal fees, lease payments, medical bills, retail debts, student loans, and civil rights. Fidelity Creditor Service participates in collection strategies, such as predictive auto-dialing (also called robocalling), reporting to the 3 national credit agencies, and reporting to TeleCheck. They also do in-house lawsuit. The debt collection agency claims to have researchers who can locate any man or asset.
Fidelity Creditor Service works on a contingency basis, meaning that they get paid a percentage of what they gather — powerful incentive to accumulate as much money as you can.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Fidelity Creditor Service?
As of April 2017, the Better Business Bureau reported 23 closed Fidelity Creditor Service complaints over the previous few decades, including 6 closed Fidelity Creditor Service complaints over the past 12 months. The BBB provides Fidelity Creditor Service an F rating. Additionally, Justia lists two Fidelity Creditor Service complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 57 closed FCS complaints for 2016.
Fidelity Creditor Service 441 N. Varney Street, Suite 2 Burbank, CA 91502 Fidelity Creditor Service Phone Number: 800-440-1981 Website: http://www.fcscollect.com/
Can Fidelity Creditor Service Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely FCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Fidelity Creditor Service Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue FCS for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
I could not be happier with all of the hard work your workplace has done for me. I feel throughout the entire process I had been kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of crap bills piling up, and I owe it all to Lemberg Law.”
A simple “thank you” doesn’t go far enough.”
“My lawyer was able to attain a settlement and dismissal for me now in this instance. This settlement was at my petition, and I am quite pleased that she had been able to assist me in resolving this situation. She’s been great to work with, very professional at all times, and has the power to present options in a simple manner that I could understand. Words can’t express how much I appreciate the help I received from her in this annoying and perplexing case.”
Can You Help Me Delete Fidelity Creditor Service from My Credit Report?
In a word, yes. We will do our best to help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
FCS is moving the amount of the debt up, they will not validate the debt with CFPB, they will not validate the debt with the three credit bureaus but verify it is my debt. They will not respond to my request on who the debt is for Tate Real Estate. They will not send me a contract for the debt, the information they are reporting is the debt is currently owed with an increase of 9 percent, and the debt was in 2017 date of occurence. Yet, when requesting validation of the debt no response. I have sent certified mail no response.
Fidelity plays around with my credit score moving my balances up and down saying i made payments to keep my credit score going down every month i have been out my apartment for three years and my balances going up and down just to keep my credit score down monthly i cant get another home now cause they or messing around with my score monthly
Talked to someone supposedly in the legal department implying she was a legal person and demanded the full amount of my collections to be removed because I no longer have documentation to prove otherwise. U tried to negotiate and she said she is not a collection agency and she legally could not do that. Need some help with this situation.
I had this account deleted off of my credit after I sent them emails from the account owner having the incorrect amount owed. I was told the account owner would not give them any documents showing otherwise. They didn’t adjust the amount, so I disputed it and it was removed. Over a year later, they put a hard inquiry on my credit. When I called, the young lady said she didn’t know why it was an inquiry but that it was for the same account I had deleted. I called Experian and was told Fidelity would have to send them a letter to change it. Fast forward to today 1/16/18, I get a call from them again. That’s how they put the accounts in with the Credit Bureau. I asked to speak to a manager ( Frank) who confirmed they had been told by the account owner the amount was correct but did not have documentation. He then tried to manipulate me into agreeing to pay in full almost $1000 then what the balance was. I refused and he began to go crazy. Telling me he would change the information with the Experian from a hard inquiry to a collection account ( all of a sudden that was an option now) and make sure it can’t be deleted this time. I told him I would pay the account holder directly, in full, the balance I owe and he said it still won’t go away. I don’t know what my options are but these bully tactics, yelling over me so my voice can’t be heard on the recorded call and threatening to make sure this can’t be deleted is ridiculous.