Consumer complaint received 2018-02-26
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a medical emergency from XX/XX/XXXX and I had to use the XXXX XXXX from my city. At that time I had medical and when the bill came I sent the XXXX XXXX my information and I never heard from them again until Summer of XX/XX/XXXX, but I got contacted by XXXX XXXX XXXX in the city of XXXX. I spoke to a person named XXXX XXXX and she was very rude and was talking down on my personal life. I had just came back to work in XX/XX/XXXX due to being on XXXX leave and I explained that to her she did not care nor try to work with me. Her words did affect me emotionally due to the fact that I had just XXXX XXXX in XX/XX/XXXX. I refused to speak to her since she was very disrespectful and also harassing my job, so I asked to speak to someone else. I got transferred to someone else and I explained to them my situation and I told them that I needed to reach out the social worker and ask if they can pay for that balance since I was covered, so when I called the Medical Offices they said they were able to pay for it and then a couple days later I got a call from my social worker saying that unfortunately they weren't able to pay for the balance. I called XXXX XXXX XXXX to let them know about the case and I explained to them that I didn't have money and that I was going to talk to my social worker to see what can they help me with he said it was fine and to call back once I was ready. I called them on Friday XX/XX/XXXX and told them that I only had a certain ( {$1500.00} ) amount that I can give them the person whom I spoke with her name was XXXX she put me on hold and said she was going to speak to her supervisor, when she came back to the line she said that they can help me by paying off the debt with only {$2000.00}, but I had to take in cash to their office. I told XXXX I didn't have that amount I only had the {$1500.00} she then put me on hold again and said she will ask her supervisor. When she came back on the line she repeated that they could only do the {$2000.00} and in cash only. I told her I can perhaps do {$1700.00}, but I would have to borrow the extra {$200.00} to make it {$1700.00} she said that if I had the {$1500.00} in cash and the rest can go on someone else 's credit card, but it had to be the {$2000.00}. My battery phone died and I didn't get a chance to finish the conversation with her. I found it a little odd that they asked for only cash, so I decided to call the Better Business Bureau and when I checked their Scam Tracker their Zip Code came out. I called the BBB on Monday XX/XX/XXXX and they said that they have about 9 complaints from that company and that their mail keeps getting returned back to them. I am not sure if I should go ahead and pay them because I do want to buy a home in the near future and I don't want my credit score to get jeopardize due to that company. Thank you.

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