Fidelity Creditor Service is a California collection agency founded in 1964 and now based in Burbank. In 2006 it became part of Fidelity Capital Holdings, Inc. It collects health care, financial institution, municipal and property management accounts.
- Type
- Collection agency
- Also known as
- Fidelity Creditor Service, Inc.; Fidelity Capital Holdings, Inc.
- Headquarters
- Burbank, CA
- Collects
- medical bills, bank and credit union accounts, municipal accounts, property management balances
- Phone numbers it lists
- (800) 440-1981, (818) 502-1981
- Website
- fcscollect.com
54 debt collection complaints were sent to the Consumer Financial Protection Bureau about FIDELITY CAPITAL HOLDINGS, INC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Fidelity Creditor Service?
Fidelity Creditor Service calls itself a professional, full-service collection agency based in California. Its website says it was founded in 1964 and gives its corporate office as 441 N. Varney Street in Burbank. According to a December 2006 report in the trade publication insideARM, Fidelity Capital Holdings, Inc. was formed on November 1, 2006 as a holding company to combine Fidelity Creditor Service, Inc. and another California agency, Gess & Associates, with both agencies continuing under their own names. The CFPB complaint database lists complaints under the holding company's name. Its website lists memberships in a California collectors association and ACA International. We did not find a CFPB enforcement action against Fidelity Creditor Service or Fidelity Capital Holdings.
Why Fidelity Creditor Service May Be Contacting You
Fidelity says it specializes in health care, financial institution, municipal and property management accounts, and also offers revenue cycle management to providers. A letter or call from Fidelity may concern:
- a bill from a hospital, medical group or other provider;
- a charged-off bank or credit union account;
- a fee, fine or service charge owed to a city or other public agency;
- rent or damages a property manager says you owe.
Fidelity also offers collection litigation, judgment enforcement and second-placement collections, so it may be working an account another agency handled first, or enforcing a judgment a client already holds.
How to Check a Debt Fidelity Creditor Service Says You Owe
- Read the validation notice for the client name and itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for the documents behind the balance: an itemized medical bill and insurance history, a bank statement showing the overdraft, a city's billing record, or a lease and move-out statement.
- Ask whether a judgment exists. If Fidelity is enforcing one, get the court and case number and check the docket.
- Confirm who owns the account now.
- Check the age of the debt. In Texas, debt suits generally must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). California and other states use different periods.
What Fidelity Creditor Service Can and Can't Do
Fidelity collects consumer debts owed to its clients and is a "debt collector" under 15 U.S.C. § 1692a(6).
- It must sue where you live or where you signed the contract (15 U.S.C. § 1692i).
- Paid medical collections, and those with an original balance under $500, no longer appear on the three national credit reports; see the bureaus' medical debt changes.
- After a judgment in Texas, your wages cannot be garnished for an ordinary consumer debt (Tex. Const. art. XVI, § 28), and many other assets are exempt.
- It may not make more than seven call attempts in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If you think Fidelity crossed the line, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Fidelity Creditor Service or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Fidelity Creditor Service: home page
- insideARM: California collection agencies merge (Dec. 8, 2006)
- CFPB Consumer Complaint Database: FIDELITY CAPITAL HOLDINGS, INC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Fidelity Creditor Service has violated any law. Company details change; tell us if something here is out of date.