This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 466 complaints

Fidelity Capital Holdings, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade F.

Complaints by issue type

What consumers report about Fidelity Capital Holdings, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 33.4/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Fidelity Capital Holdings, Inc ranks ahead of 1% of the 5,283 collectors PlainCollector grades - 99% keep a cleaner CFPB record, on 466 all-time complaints and a 46% timely-response rate.

1st pct
reputation rank of 5,283 graded collectors
466
CFPB complaints, all-time
46%
answered inside the CFPB window
12
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Fidelity Capital Holdings, Inc?

Fidelity Capital Holdings, Inc has accumulated 466 total CFPB complaints across 39 states, with 12 filed in the most recent 12 months against 454 historical complaints before that window. The trailing-12-month volume represents 2.6% 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". The company posts a 46% timely-response rate against a 40% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by California with 261 and Texas with 36. Normalized against the full CFPB collector database, the reputation score of 33.4/100 places Fidelity Capital Holdings, Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

466

mid-volume (CCDB)

Last 12 months

12

2.6% of all-time complaints

Falling ↓

States active

39

multi-region footprint

Timely response rate

46%

below sla band

Consumer disputes

40%

high (vertical avg ~19%)

Reputation grade

F

33.4/100 composite

How does Fidelity Capital Holdings, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

33 Bottom 1% higher than 1% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Fidelity Capital Holdings, Inc versus the debt-collection vertical average.

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) 39.8%
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?

How does FIDELITY CAPITAL HOLDINGS, INC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
FIDELITY CAPITAL HOLDI… National average
Complaints (last 12 mo)lower is better
12
122
268
Timely-response ratehigher is better
46%
70%
91%
Consumer-dispute ratelower is better
40%
23%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-02 2023-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 132
Cont'd attempts collect debt not owed - 82
Written notification about debt - 78
False statements or representation - 72
Disclosure verification of debt - 42
Took or threatened to take negative or legal action - 32
Communication tactics - 22
Improper contact or sharing of info - 3
Taking/threatening an illegal action - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Fidelity Capital Holdings, Inc come from?

Fidelity Capital Holdings, Inc's own per-state count, not a national baseline.

Top states by complaints against Fidelity Capital Holdings, Inc

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Fidelity Capital Holdings, Inc contacts you

A grade of F signals how Fidelity Capital Holdings, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Fidelity Capital Holdings, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Fidelity Capital Holdings, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 466 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 12 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (261 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.