Consumer complaint received 2022-02-25
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fidelity Information Cor, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The above company put a collections account on my credit report for a sum of {$150.00}. I did not know what this was so I called them and asked for validation of debt. I was told they could not do that and to contact the vendor and was given their client 's phone number and email address. I could not reach them by phone so I sent a request for validation of debt to the email address I was given. It was for a company by the name of XXXX. I had several emails with their representative XXXX. I asked several times for validation/proof of debt and was told to follow instruction on my credit letter, submit payment. I responded that I never received that and I called the number on my credit report at which point I was told to contact this email address for proof of debt and how to pay to remove this immediately. XXXX was rude and condescending and did not give any proof of debt nor would she give information on how to pay. 

After some digging on my part, I realized this was a vendor I had tried to do business with in XXXX of XXXX. However, my package was lost by XXXX. The original order was {$78.00}, {$50.00} of which was for 2 day shipping. XXXX told me XXXX suspended giving back funds for delayed packages due to Covid-19 and that the collection account was for full original purchase price, {$50.00} for charge back fees and {$24.00} for debt collection. She typed this breakdown out in an email back to me but again, refused to send official proof/validation or instructions on how to settle the account. 

I used my tracking number of my lost package to contact XXXX  and received verification that they did return the {$50.00} shipping charge to XXXX. I told XXXX this but she did respond to several attempts at asking her to address this. 

I bank with XXXX Bank and opened a Fraud claim with them back in XXXX on the original transaction. So I called them for guidance. They confirmed with me that they found the transaction to be fraudulent, did not get the original charge of {$78.00} back from XXXX nor charge them a {$50.00} return fee. XXXX also verified that they took the loss on that original sum. I stress again that XXXX kept the original sum, including the 2 day shipping charge for XXXX. 

I opened a dispute with all XXXX credit bureaus on Wednesday, XX/XX/XXXX. XXXX got back to me the same day and deleted XXXX 's collection account and I am still waiting on XXXX and XXXX. 

I also tried calling back the debt collector, Fidelity with this information. The woman I spoke with told me her name was XXXX XXXX and was incredibly rude and condescending. She refused to verify my debt nor give me instructions on how to pay or solve this and again referred me back to XXXX. 

XXXX hasn't responded to my emails since XX/XX/XXXX. It is now Friday, XX/XX/XXXX. I have asked repeatedly for validation of debt, instructions on how to remove this, I have relayed the info XXXX and XXXX bank shared with me. 

Please help. If this company has done this to me, there is no doubt they have done this to others. This is fraud and they should be held accountable. Both Fidelity and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation