|
7956482
|
2023-12-06
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Rental debt
|
| Date Received |
2023-12-06
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
4816907
|
2021-10-17
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2021-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-17
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4324368
|
2021-04-23
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2021-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-23
|
| Complaint What Happened |
I have disputed this account with Fidelity Creditor Svcs as well as XXXX and XXXX on XX/XX/20. I have request documentation bearing my signature to validate that this debt belongs to me. I have not received any information in return about what this debt is, why they are saying I owe this or if it in fact even belongs to me. Since then, I have repeatedly asked for verification from Fidelity Creditors Svcs, XXXX, and XXXX via certified mail to confirm the validity of this debt to be mine. Once again, NONE of these agencies have provided documentation that this debt belongs to me and have not sent any document bearing my signature. The original credit amount is listed at {$2100.00} and the creditor continues to add some type of charge every month and the debt amount is now {$2400.00}. This is a clear violation of my consumer rights.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3712536
|
2020-06-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2020-06-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-06-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
My consumer rights have been violated by Fidelity Creditor Services. On XXXX XXXX, XXXX XXXX, XX/XX/2020 and XX/XX/2020, I submitted disputes to XXXX disputing the account with Fidelity and the continue to report the fradulent account on my credit report.
On XXXX XXXX, I submitted a dispute letter to XXXX regarding the account with Fidelity, I never recieved a response.
On XXXX XXXX, I mailed a 30 day to comply to XXXX, I did not receive a response from them. After mailing the 30 day to comply I filed a complaint with CFPB against Fidelity, as of today they never responded to the complaint.
On XXXX XXXX, I mailed another round of dispute letters to XXXX again requesting them to investigate the account with Fidelity. I received a redponse thaat the account was validated.
On XXXX XXXX, i mailed a Validation of Debt letter to Fidelity, asking them to validate the debt they're stating is mine. I never received a response.
On XXXX XXXX, I recieved dispute results stating that again the account from Fidelity was valid and they were not going to remove it from my credit report. I then clled XXXX on XXXX XXXX and sopke with a rep named XXXX. I asked the representative how they were validating the information on my account, and he stated that XXXX does not have to disclose their method of verification to consumers, which I believe is incorrect.
On XXXX XXXX I filed a report for identity theft with FTC, and mailed the copies to the 3 credit bureaus. I received a dispute result from XXXX on XXXX XXXX indicating that Fidelity is requesting for me to contact them directly, and the fradulent account remained on my report.
I called XXXX and sopke with the supervisor XXXX in the fraud department, and she verified the FTC report that was on file, my identity and I provided her with the police report number that I had. XXXX began another investigation on XXXX XXXX.
As of today my re-investigation is under investigation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3371157
|
2019-09-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2019-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
To Whom It May Concern, I bought a cruise ticket of XXXX XXXX XXXX XXXX XXXX XXXX ( promoted as XXXX cruise ) from XXXX XXXX XXXX ( XXXX ) for {$990.00} on XX/XX/2019, which was scheduled to sail to XXXX, XXXX, because I wanted to visit XXXX on cruise. But two days before departure, XX/XX/XXXX, they informed us that they are not going to XXXX but to some unknown private island instead. Then I contacted XXXX immediately and told the XXXX representative that what I wanted and booked is a cruise to XXXX not to some private island. I wanted to cancel my trip and get refund. But he did not allow me to cancel even though the cruise lines policy gave all the passengers of cruise going to XXXX the option to cancel and get full refund. I told them several times that I wanted to cancel the trip and get a refund. Then I called my credit card company, XXXX XXXX, and told them the story and they did a chargeback. I did not go to the cruise. About one month later, XXXX sent me a collection letter in the amount of {$1400.00} ( I have no idea how {$990.00} had become {$1400.00} ) in the name of Fidelity Information Corporation, which listed the same address of XXXX, basically stating that I do not know where this debt {$1400.00} comes from. If they report it to a credit bureau ( or have already done so ), please indicate that it is disputed. I sent this letter by certified mail but it was returned as Return to sender attempted not known unable to forward. Today I found out that they reported to credit bureaus, at least TransUnion.
When I booked the trip I just give the representative my credit card number. He did not give me any their policy and we did not sign any contract or agreement. I did not provide my SSN.
It is ridiculous. They were not able to provide the service I booked ( cruise to XXXX XXXX so I canceled the trip and did not go. The credit card issuer did a chargeback for me. How could XXXX try to collect {$1400.00}, {$450.00} more than {$990.00} ( I have no idea where this comes from ) and reported it to credit bureau ( s )? They did not even say where this {$1400.00} comes from and why I owe them this sum of money. Are they allowed to do that? Can they just make up a sum of money at their will and send you a collection letter and report to credit bureau without any evidence? It is legal? If not, should they be punished accordingly?
Thank you.
Best regards.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
677590
|
2014-01-21
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-01-21
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-01-28
|
| Consumer Consent Provided |
N/A
|
|
|
2026563
|
2016-07-22
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In 2011 I rented an apartment where I paid the rent for the year in full up front which I 've finished the receipts to show proof of this to Fidelity Information via certified mail. I also found that the property management company whom Fidelity Information bought the debt from which is XXXX XXXX did in fact file an eviction after I lived out my lease and moved out. The eviction process was after I moved out of the unit. XXXX XXXX dismissed there calm it was a voluntary dismissal on there behalf. Also please note that I was not notified of this eviction and I had no clue until just recently when I went to apply for a rental and was denied. I was told that I owed Fidelity Information monies regarding the rental with XXXX XXXX. Attached is the documents pertaining to this issue for your review. I also sent these documents to this company Fidelity Information to dispute there calm and asked that they send me documentation supporting there calms. I went to the court house and got a certified copy of the voluntary dismissal and there was no evidence showing that I had a amount owed. This company continues to report negative information to the credit bureaus stating that I owe them money which I do not. Please if someone can look into this matter I would appreciate it. Thank you.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1936533
|
2016-05-23
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Impersonated an attorney or official
|
| Sub Product |
I do not know
|
| Date Received |
2016-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-05-23
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
I am XXXX XXXX from XXXX and I have looked at my credit report and noticed that a company that is from your state is listed on my credit report. I had a representative to contact this company last week on my behalf as I have a busy days during the week. After careful research my representative saw that this company is not authorized to collect or licensed to collect in my state of XXXX. XXXX has a specific rule as it relates to who is able to collect here. XXXX XXXX XXXX appears on my credit report and their license has expired according to the XXXX Office of Financial Regulations and with the business licensing division which is confirmed by our state 's website, XXXX. In order to collect in XXXX you must be licensed with both agencies and in good/active standing, which this company is not. My representative called and asked to speak with the office manager and or their compliance officer, and when she was asked what the call was in reference to, she explained the above. She was transferred to a guy that said his name was XXXX XXXX, who represented himself as the company 's legal counsel. He went on to denounce the claim verbally with the representative and attempted to scold her for not being an attorney ( which she never represented herself as such ). After more review by via reviewing the XXXX Bar Association website there is no active attorney in XXXX with the name of XXXX XXXX, and the only one that was listed was a deceased attorney. Fidelity Information Corp is willfully and maliciously violating XXXX State Law, FDCPA ( Fair Debt Collection Practices Act ), and is using deceptive practices and false representation.
I am sure your office does n't support businesses in your state operating in such manner. The company was contacted to give them an opportunity to rectify the problem however they have failed to do so, and them continuing to report an account they ca n't legally report is very damaging to me as well as my family. Mind you, I have never had any contract with this company AT ALL! At this time there is no current court action pending, there has n't been in another legal actions prior with this company but if this ca n't get resolved expeditiously, then legal action will definitely go forward.
I have letter I faxed to them, as well as proof of Expired status with both XXXX Agencies, as well as a copy of the XXXX Bar website with the only XXXX XXXX being a deceased attorney. Has this XXXX XXXX with XXXX XXXX XXXX ( if that is his name ) tried to assume and resurrect the identity of this deceased attorney " XXXX XXXX ''?
|
| Consumer Consent Provided |
Consent provided
|
|
|
2742155
|
2017-11-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2017-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2418524
|
2017-04-04
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-04
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1001209
|
2014-08-26
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-08-26
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-08-29
|
| Consumer Consent Provided |
N/A
|
|
|
7942750
|
2023-12-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
779086
|
2014-03-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2014-03-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-03-26
|
| Consumer Consent Provided |
N/A
|
|
|
518635
|
2013-09-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene/profane/abusive language
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2013-09-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-09-13
|
| Consumer Consent Provided |
N/A
|
|
|
3495270
|
2020-01-14
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-14
|
| Complaint What Happened |
Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3540808
|
2020-02-22
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2020-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6591436
|
2023-02-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2023-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was doing my regular check on my XXXX account and noticed this company by the name of FIDELITY CREDITOR SERVICES last year trying to collect an alleged debt of XXXX XXXX and something dollars and change so I disputed it and I received a response back saying that their license was pending at the time I disputed it last year sometime so XXXX did nothing and after that, the debt went up to {$1000.00} a course I was outraged because the date on this says XX/XX/2016, it doesn't reveal when they took over to come after me but so I reached out to them personally this time but beforehand I searched for there company on XXXX XXXX XXXX and found out that they are not licensed and authorized to collect or operate in the state of Florida so there violating my consumer rights at this point now that's not the only violation the next one ( 2 ) would be I never gave the original furnisher written permission to put anything on my credit profile 15 USC 1681b2 and they have no Permissible Purpose by law to report, sell or share my personal information to any third-party reporting agencies or persons, This is Identity Thieft, Aggravated Identity Thieft according to 18 USC 1028A ( 3 ) According to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The violations mount up but more importantly the time and energy and I have had to put into this is what has been draining for me XXXX refused to do their job and this company is operating outside of the law and thinking they can get away with it. This has hurt me financially and mentaltitly I sent this letter that I will attach to them on the XXXX of this Month and have not gotten a response because my profile on XXXX is the same I gave them 10 days to respond and that time has come and went, I need this inaccurately reported information Deleted asap and this company flagged from doing business in the state of florida
|
| Consumer Consent Provided |
Consent provided
|
|
|
2736876
|
2017-11-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2017-11-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-24
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3582870
|
2020-03-27
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-03-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-03-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3378072
|
2019-09-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2019-09-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-18
|
| Company Public Response |
Company can't verify or dispute the facts in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4767857
|
2021-09-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2021-09-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-13
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
Ive been trying to dispute this company for a while, Ive never ever in my life live at these apartment, I am willing to do whatever I can to proceed with an investigation, I used to live in XXXX back around XXXX I was searching for apartments and the front desk specialist that assisted said they have available units which I was excited, and filled out a application providing these people my social security number and ID was a big mistake, they never wanted me to see the apartment, and I was never giving a key but I did give them a holding payment of like 3-400 dollars I never got that back, because again I never move in and was never given a key, so while I was waiting for the process I just so happened to get off work one day to check out the apartment that the specialist said was available, come to find out the apartment had mold, infested with roach XXXX and the entire apartment smelled like roach spray and paint. So now I see why they never allowed me to look at the unit, they wanted to lock me into a deal without seeing it, I called them the following morning and said I wasnt happy with the what I seen, so it made the renter specialist upset and threatened me by saying if I dont move in hes going to sue me and take me to court. That was way back in XXXX how can I be charged for something thats pure fraudulent as this situation. Thats not right. I need help please I beg you to look into this matter I will do whatever it takes to show that I never live there, nor moved in or even had a key.
Source : XXXX Date Submitted : XXXX XXXX, XXXX Report Number : XXXX Account Number : XXXX Company :
FIDELITY CREDITOR XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX : XXXX ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2021238
|
2016-07-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-05
|
| Complaint What Happened |
Fidelity Information at XXXX XXXX XXXX XXXX, XXXX CA XXXX continues to report negative information to XXXX that I owe money to XXXX XXXX XXXX a property management company where I use to live. When I resided at this property I paid my lease up for a year in advance and when I moved out had no issues. I just recently went to apply for an apartment and was told I was denied because I had an eviction from this property. I keeping all my documents for seven years or more went back to old documents like my receipts for payment of rent and all of my move in documents disputed this debt. I also went to county records to see XXXX XXXX did in fact file a eviction process because I lived out my lease and had no idea that an eviction was filed. I found that an eviction process happened but was later volunteer dismissed by XXXX XXXX. I printed out this information and disputed the fact that I was never notified that a eviction had taken place one and two that I owed this property management company any money. And why would I I lived out my lease and paid my rent for the year in advance. This company Fidelity Information continues to calm that I owe XXXX XXXX XXXX money but can not provide me any documents supporting there calm. I sent a certified letter disputing there calm and asking them to stop sending negative reports and calms to the credit bureaus to there company XXXX XXXX in XX/XX/XXXX and again in XX/XX/XXXX. And they keep saying that they never received the documents I sent but it shows by mail that it was delivered to this company. I have also asked for them to send me a copy of there documents with this so call calm. If I owed XXXX XXXX XXXX any money they did not notify me at any time after I moved out and then the eviction they filed which I still to this day do n't know why, would not have voluntarily dismissed the complaint for eviction. This company Fidelity Information have questionable practices and should be investigated. Also I looked up this debt ( if there was a debt ), and this is a Time Barred Debt and the statue in my state is 5 years.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3311704
|
2019-07-19
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-07-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-19
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3446808
|
2019-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2948043
|
2018-06-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2018-06-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5941733
|
2022-09-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-09-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2563228
|
2017-06-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2017-06-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-30
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
Please see detailed letter ( attached and below ) sent certified to the collection agency on XX/XX/XXXX and received XX/XX/XXXX ( attached ). Since the date of the letter, I found out that the collector placed the item on my credit report on XX/XX/XXXX two weeks PRIOR to contacting me for the first time on XX/XX/XXXX. ( attached ). Body of letter sent : I am in receipt of your email dated XXXX XXXX, 2017 ( first sheet of email attachment enclosed ). I ABSOLUTELY DISPUTE THIS DEBT AND ITS VALIDITY. You submitted NO verification that your creditor XXXX XXXX XXXX XXXX is entitled to claim this debt. Nor did you submit any proof that you are entitled to collect this debt in the states of Florida and California. Instead, you submitted a lease with XXXX XXXX XXXX XXXX as Landlord and me as tenant and their self-report of the condition of the unit upon vacancy. You did not include any of the correspondence between XXXX XXXX XXXX and me including our exchange of certified letters as required by the Florida Statutes in a Landlord Tenant dispute. My issue with XXXX XXXX XXXX should be settled in a court of law in the State of Florida via FS 83 if they do not wish to deal with me directly. There is nothing to substantiate any debt to XXXX XXXX XXXX other than their self-generated report and XXXX XXXX XXXX has not been granted a summary judgment in the State of Florida that I am aware of. I consider this attempt at collection to be a flagrant disregard for the procedures outlined in the Florida Statutes regarding Landlord Tenant disputes. In my telephone conversation with your office on the afternoon of XXXX XXXX, 2017 ( as requested in your letter ) at XXXX XXXX EST, I also stated that I do not recognize the validity of this debt. During that phone conversation, your representative informed me that the firm felt that it had validated the debt and threatened to place this item on my credit report as a disputed item. Placing this item on my credit report is a clear violation of the Fair Debt Collection Practices Act. Please be advised that all further communication with me should be in writing via US Mail. The firms initial conversation with me was on XXXX XXXX, 2017 via telephone at XXXX XXXX EST from XXXX in which I disputed the validity of the debt and confirmed my email address. I received another call from your firm on XXXX XXXX, 2017 at XXXX XXXX EST during which I disputed the validity of the debt and again confirmed my email address. I consider your firm to be in clear violation of Section 809 of the Fair Debt Collection Practices Act as I received nothing written from your agency until XXXX XXXX, 2017, and then the only written notice was via email. Any attempt by your agency to place this account on my credit report ( even as contested ) will be viewed as an attempt to collect this debt by unfair and unconscionable means under the Fair Debt Collection Practices Act, Section 808 until the aforementioned items are addressed. If I do not receive a written response via US Mail within thirty days from the first receipt of this letter that this matter has been terminated and no claim has been filed against my credit, I will accelerate this complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission Consumer Response Center and the Attorney General of the State of Florida.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3354240
|
2019-08-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2019-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
There is a negative and false report of debt in my name and on my credit. Fidelity Creditor Service is claiming that I owe XXXX XXXX XXXX ( which is referred to as XXXX XXXX XXXX XXXX in court documents ). This is in regards to an apartment that was infested with toxic mold. A judge at XXXX XXXX Courthouse ruled in my favor On XX/XX/2019. Please see attached documents.
A month later, I received a letter from Fidelity Creditor Service that I owe XXXX XXXX XXXX and to contact them if the debt wasn't accurate which I did in a signed letter on XX/XX/2019. I recieved no other notification from Fidelity Creditor Service regarding this. No follow up. It wasn't until I checked my updated credit score in XXXX that I saw they inaccurately left the debt on my record. I called the company on XX/XX/XXXX to ask for it to be removed. At first they said it couldn't be removed due to a law ( when I asked what law, he couldn't tell me ) and then they indicated there was a possibility it could. I felt as though they were playing games with me.
I sent them a package via certified mail with all of the court documents and evidence. I am following up with this report. I notified them in the phone conversation that I would be making this report.
This false and negative report of debt on my credit has caused my credit score to be substantially lowered.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2831896
|
2018-03-03
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2018-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-03
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1454646
|
2015-07-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-07-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-07-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I purchased a computer motherboard from XXXX XXXX in 2010. The company was giving me the run around & did not provide any means for me to contact them by phone so I feared that it may have been a scam. The item I ordered was not delivered so I contacted my credit card company & did a charge back. Soon after that, the item I ordered finally arrived at my door. I refused the package & asked the deliver person to send it back. They received their item back & are still charging me for it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3160310
|
2019-02-22
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
No
|
| Company |
FIDELITY CAPITAL HOLDINGS, INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2019-02-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-22
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Consumer Consent Provided |
Consent not provided
|
|
