Total CFPB complaints
463
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 463 complaints
FIDELITY CAPITAL HOLDINGS, INC — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIDELITY CAPITAL HOLDINGS, INC
- Attempts to collect debt not owed
Attempts to collect debt not owed
124 complaints
- Written notification about debt
Written notification about debt
75 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
73 complaints
- False statements or representation
False statements or representation
64 complaints
- Disclosure verification of debt 26
Disclosure verification of debt
26 complaints
- Took or threatened to take negative or legal action 25
Took or threatened to take negative or legal action
25 complaints
F
Grade F · 33.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about FIDELITY CAPITAL HOLDINGS, INC?
FIDELITY CAPITAL HOLDINGS, INC has accumulated 463 total CFPB complaints across 39 states, with 16 filed in the most recent 12 months against 447 historical complaints before that window. The trailing-12-month volume represents 3.5% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 46% timely-response rate against a 40% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 39 states, led by California with 258 and Texas with 36, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 33.4/100 places FIDELITY CAPITAL HOLDINGS, INC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
16
3.5% of total history
Falling ↓
States active
39
Distinct state filings
Timely response rate
46%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
F
33.4/100 composite
Response-quality profile
How FIDELITY CAPITAL HOLDINGS, INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 46.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 79.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does FIDELITY CAPITAL HOLDINGS, INC compare to its peers?
FIDELITY CAPITAL HOLDI… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-10 2026-03
Top Consumer Issues
Attempts to collect debt not owed124 (%)
False statements or representation64 (%)
Cont'd attempts collect debt not owed73 (%)
Written notification about debt75 (%)
Disclosure verification of debt26 (%)
Took or threatened to take negative or legal action25 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 72 |
| False statements or representation | Attempted to collect wrong amount | 64 |
| Cont'd attempts collect debt not owed | Debt is not mine | 54 |
| Written notification about debt | Didn't receive enough information to verify debt | 54 |
| Attempts to collect debt not owed | Debt was result of identity theft | 37 |
| Disclosure verification of debt | Not given enough info to verify debt | 26 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 25 |
| Written notification about debt | Didn't receive notice of right to dispute | 21 |
| Cont'd attempts collect debt not owed | Debt was paid | 19 |
| Attempts to collect debt not owed | Debt was paid | 15 |
Where do complaints against FIDELITY CAPITAL HOLDINGS, INC come from?
The states where consumers have filed the most CFPB complaints against FIDELITY CAPITAL HOLDINGS, INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIDELITY CAPITAL HOLDINGS, INC
Across 39 states with at least one filing
- California
California
258 complaints
- Texas 36
Texas
36 complaints
- Florida 30
Florida
30 complaints
- Georgia 19
Georgia
19 complaints
- New York 11
New York
11 complaints
- Pennsylvania 9
Pennsylvania
9 complaints
- Ohio 8
Ohio
8 complaints
- Alabama 7
Alabama
7 complaints
Frequently Asked Questions
What is the most common complaint against FIDELITY CAPITAL HOLDINGS, INC? ▼
The most common issue consumers report about FIDELITY CAPITAL HOLDINGS, INC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 463 complaints filed with the CFPB.
Are complaints against FIDELITY CAPITAL HOLDINGS, INC increasing or decreasing? ▼
Complaints against FIDELITY CAPITAL HOLDINGS, INC are falling. The company received 16 complaints in the last 12 months, showing improvement over prior periods.
What is FIDELITY CAPITAL HOLDINGS, INC's reputation grade? ▼
FIDELITY CAPITAL HOLDINGS, INC has a reputation grade of F (score: 33.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does FIDELITY CAPITAL HOLDINGS, INC respond to consumer complaints? ▼
FIDELITY CAPITAL HOLDINGS, INC has a 46% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does FIDELITY CAPITAL HOLDINGS, INC operate? ▼
FIDELITY CAPITAL HOLDINGS, INC has received CFPB complaints from consumers in 39 states, with the most complaints from California (258 complaints).
What can I do if FIDELITY CAPITAL HOLDINGS, INC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FIDELITY CAPITAL HOLDINGS, INC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |