This article was written by Lemberg Law staff, and reviewed by Sergei Lemberg, the managing attorney of Lemberg Law.
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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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.
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.
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
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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
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.
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
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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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