The Law Office of Paul Mankin

Is Fidelity Creditor Service, Inc. Harassing You?

Fidelity Creditor Service, Inc.

Fidelity Creditor Service, Inc. (FCS) is a third-party debt collection agency that specializes in collecting debt for financial institutions, law offices, retail businesses, property management companies, and real estate companies. The company was founded in 1964 and is based in Glendale, California.

FCS is not accredited by the Better Business Bureau. To be accredited by the Better Business Bureau a company must demonstrate trust, honesty, transparency, responsiveness, and integrity. In fact, the Better Business Bureau gives FCS a “D-“ rating for failing to respond to any of the consumer complaints. One consumer complained that FCS was attempting to collect a debt that was not owed. The consumer discovered the debt on their credit report. The consumer reached out repeatedly to FCS and requested, in writing, that FCS provide proof of the debt; however, FCS failed to validate the debt.

The Fair Debt Collection Practices Act (FDCPA) expressly allows consumers to request a creditor or debt collector to send proof of the debt. Within five (5) days after its initial communication, the creditor or debt collector must send a notice, referred to as the G-Notice. A consumer then has thirty (30) days to dispute a debt and to request proof of the debt. Failure to respond to the request for proof of a debt is a direct violation of the law.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold FCS accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.