Fidelity Capital Holdings, Inc. Debt Collection Complaint

Fidelity Capital Holdings, Inc. Debt collection department,

Other (phone, health club, etc.) False statements or representation Attempted to collect wrong amount Alabama

I signed a lease with - - Apartments - - -, - and following that we were harassed by neighbors and maintenance crews due to my - orientation. I was forced to break the lease and leave the apartment complex due to my fear of continued residency at this location. I moved from the complex on - -, - and that was approximatley 2 months prior to the end term of lease. In doing so, I left the complex and submitted a note explaining this detail along with keys to management office. In turn, I was presented with a lawsuit from - - - in -, Florida in the amount of $2700.00. Moving forward, I sent correspondence to this attorney, again, detailing my reasoning for quick move. The attorney replied and stating that this was not sufficent evidence to break lease and actually they never INVESTIGATED THE INCIDENT! Again, moving forward, the creditor filed a claim with credit bureau in the amount of $2700.00. It showed up on my credit report as a debt to original creditor in the amount of $2700.00. Later the original creditor employed FIDELITY - in -, California - -. - - -, California - /


in their office same day -/-/- to fullfill the case. On -/-/- They demanded $4200.00 to settle the exact same date PLUS interest of - cents per day. The original creditor DID NOT RETAIN A JUDGMENT against me for the $2700.00, therefore interest would not be due without them obtaining a judgement. My lease did not provide for any interest accruing on the past due debt. They did not credit me with my security deposit in the amount of $1200.00 and did not advise me if the unit was rented which would have resulted in additional credit to me. I have applied for A - HOME LOAN. This fraud on behalf of the collection agency has prevented me from being able to purchase my home. Also, this debt was filed as A DISPUTE and CLEARLY shows on my credit report as being a legal disputed and recognized by the FCRA reporting act. In addition, the creditor has NEVER VERIFIED the debt in writing, although requested by me on numerous occasions. I need HELP FROM YOUR AGENCY ASAP AND I THANK YOU IN ADVANCE FOR YOUR TIME, REVIEW AND ASSISTANCE ON THIS MATTER. Should you have any questions or need additional information, please contact me at the following : - - - - - ) -- ( T - -