Consumer complaint received 2019-10-01
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I placed an order and paid extra for overnight shipping. I placed the order on Wednesday XX/XX/XXXX at XXXX. I was traveling on Friday XX/XX/XXXX out of the country and needed to take the product with me as it was something a family member asked me to bring to her. This is why I paid extra for the overnight shipping. XXXX did not attempt to deliver until Monday, XX/XX/XXXX and when they did the friend I was staying with refused the package since I was no longer there. I was in communication with XXXX XXXX   during these days by email only because they will not speak to anyone on the phone and they did not want to refund me nor take any responsibility for the delay in the order. So I decided to call my credit card company and explain the situation. They recommended that I file a dispute in which I did. I was given my money back from the credit card company and forgot about this situation until a few months ago which was over 2 years later they send false information to a collector. The collector should not have taken this case as the creditor should not be allowed to report anyone without efficient evidence. There is no proof I ever received the product and I should not pay for something I do not have. Its a disgrace to me that I have had to put so much effort in resolving this situation. It is also unbelievable that a company can say anything they want without real proof and be able to hurt someones credit this way. I would be happy to pay for this debt if I owed it but all I did was place an order that did not arrive when promised and the creditor still expects me to pay in full when they received the product back. I have attached the invoice showing the date I purchased on XX/XX/XXXX along with email correspondence from days after with proof that the order was refused on XX/XX/XXXX ( 5 days after the order not the overnight shipping I paid for ). I also attached recent email with them as I have been doing my best to resolve with them directly but they are not nice and seem to want to take advantage of consumers. I always believed that the credit agencies are there to help protect peoples credit and this is the reason for the opportunity to dispute so I do hope that you can help remove this from my credit. It is not a lot of money and I can easily pay it but it just upsets me that a company can do something like this to a person so I really do not want to pay this company as they will probably continue to report false information about other consumers. 

There is another fact about this situation. My order was placed on the morning of XX/XX/XXXX for overnight shipping. The weather situation that delayed the package according to XXXX was on XX/XX/XXXX, it seems to me they did not ship on XX/XX/XXXX and waiting a day to ship my package that I selected overnight service for. I feel this is also something that they did wrong on their part that would have avoided all of this. 


I do hope I can continue believing in the credit agencies. XXXX has removed this from my credit and I am now just hoping that XXXX does as well. If there is any further information needed to help me with this please feel free to call me XXXX. Thank you! 

Best Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation