Fidelity Collections on Your Credit Report? Fight Back and Win

Being in debt is a difficult situation from which to escape without help. Collection agencies and those who work for them are tasked with trying to get money from people who owe it, but oftentimes the process can be tense and overwhelming for those facing financial hardship.

This article will provide some insight on how to manage collection activity when dealing with Fidelity National Collections, as well as look at different strategies that could potentially be useful in managing this situation. 

We’ll cover topics like understanding why Fidelity National Collections might contact you, what legal rights you have regarding communication from them, and tips for negotiating payments with the agency. Whatever your goal—either negotiating lower payments or getting rid of collection accounts altogether—we want to make sure you know the options available in handling collections activity from Fidelity

What Does Fidelity National Collections Do?

Debt collectors are companies that specialize in the pursuit and collection of past due accounts. Fidelity National Collections - an Ohio-based company founded in 1965 - will either purchase the debt for pennies on the dollar or accept a fee for collecting the outstanding balance, depending on their agreement with the original creditor.

Generally, debt collectors attempt to propose repayment plans acceptable to both parties; if such plans can't be agreed upon, then more forceful collections efforts may go into effect. In some cases, this can include lawsuits, so it's best work to achieve a mutually beneficial resolution with the company if possible.

Is Fidelity National Collections a Legitimate Company?

Yes, Fidelity National Collections is a legitimate debt collector. To ensure you’re not being scammed by an impersonator, be sure to reference the contact information below:

• Phone Number: (330) 821-9700
• Address: 885 S Sawburg Ave Ste 103 Alliance, OH 44601-5905
• Website: https://fidelitycollections.com/
• BBB Rating: 1/5

Unfortunately, despite being legally permitted to collect on debts, there are a number of consumers who have had negative experiences with Fidelity National Collections. The company holds a 1-star rating on the Better Business Bureau (BBB) as of 2023, with dozens of complaints filed there and with the Consumer Financial Protection Bureau. 

It's important to  document any violations should they occur and to make sure you're aware of your rights as a consumer when dealing with Fidelity National or any debt collector. Being informed and understanding the law can help protect yourself from potential predatory practices.

Why Am I Getting Phone Calls from Fidelity National Collections? 

Most of the time when a third-party collection agency like Fidelity National Collections contacts you, it means that you owe a debt. 

If you don't recognize the account in question or feel the amount is inaccurate, there typically a few innocuous explanations - the debt may have slipped your mind or mail regarding the debt could have been sent to an old address and thus not received - however, in some cases, the company may have made an error with regards to either your ownership of the debt itself or the amount owed. 

Here are a few reasons a mistake like this could happen:

• Paid debts

These are debts that have already been paid in full, but still appear on your credit report.

• Unauthorized debts

These are debts that do not belong to you and are usually the result of identity theft or fraud.

• Falsely reported late payments

This occurs when creditors report inaccurate payment information or status as late or unpaid on your credit report, even though the debt has been paid in full.

• Accounts opened due to identity theft

These accounts were opened fraudulently by an unauthorized party who uses someone else's personal information for their own gain.

If you are certain that the debt collector is attempting to collect on an inaccurate or erroneous debt, you can ensure that your credit report remains clear of any inaccuracies by disputing the debt. Contact Fair Credit for assistance - we dispute debts on behalf of our clients.

Do not agree to any payment plans before obtaining proof as this could negatively impact your credit score and jeopardize your financial future. Protect yourself and take appropriate action if you believe you are being wrongly targeted.

What Can I Do If I’m Being Harassed by Fidelity National Collections?

Whether you are dealing with Fidelity National Collections or another debt collector, aggressive tactics can make it an understandably uncomfortable situation. To protect yourself and your rights, it is essential to understand the FDCPA. This federal law made it illegal for debt collectors to engage in abusive behaviors such as repeated phone calls, harassment, and false or misleading information. 

By arming yourself with knowledge regarding your rights under this act, you have the power to hold any companies or individuals attempting to violate these laws accountable for their underhanded tactics. Here are some of the behaviors that are prohibited to debt collectors under federal:

• Harassing debtors, such as using abusive language or making threats of violence.
• Making false statements about the character, amount, or legal status of a debt.
• Threatening to take action that is not allowed by law, such as garnishing wages or seizing property without a court order.
• Publishing a list of consumers who allegedly refuse to pay debts (except for credit bureaus).
• Contacting a debtor at an unreasonable hour (before 8:00 AM or after 9:00 PM).
• Contacting consumers at their place of employment when the creditor knows that employers prohibit such contacts.
• Calling someone repeatedly with intent to annoy, abuse, or harass them into paying a debt.

As a best practice, be sure to keep records of any written correspondence or telephone logs that occur between yourself and the Fidelity National Collections, as this will prove immensely helpful if you end up needing to sue the collector over a violation of your rights. 

Seeking legal counsel from a lawyer who is knowledgeable about debt collections laws can help ensure all your options are explored properly in order to reach the most beneficial outcome for the situation.

Contact Us For Your Free Case Review

At Fair Credit, we are committed to protecting consumers' rights and bringing an end to the negative experiences often associated with collections agencies. Our legal experts have extensive experience in the area and use their knowledge to ensure that our clients' cases are properly handled. Whether the issue is more complex or easier to address, we can help them reach a favorable resolution quickly and efficiently.

We understand the stresses that customers may face due to difficult financial circumstances, which is why our team of professionals will assist you every step of the way. Don't wait - contact us for a free case review today.