Fidelis Recovery Management contacts consumers about retail, consumer finance, and medical debts. Their collection letters often cite balances that consumers say do not match their original agreements. A federal class-action lawsuit in the Eastern District of Texas alleges Fidelis sent letters misrepresenting the amount owed.
One letter allegedly offered a settlement of $61,529.79 on a debt of $1,079.47. If a letter or call from Fidelis looks wrong to you, call +1-844-638-1122 for a free case review.
Key Takeaways
- Fidelis Recovery Management, LLC is a third-party debt collector headquartered at 1841 Piedmont Road, Suite 202, Marietta, GA 30066, founded on June 2, 2013.
- According to a federal class-action complaint, Fidelis allegedly sent consumers letters misrepresenting debt balances and offering settlement amounts that vastly overstated what was legally owed, a potential violation of FDCPA § 1692f.
- BBB records for the Greater Atlanta area show Fidelis holds an A+ rating but is not BBB accredited; consumer complaints focus on billing disputes and balance discrepancies.
- Reporting an inflated or unverified balance may violate both the FDCPA and the FCRA.
- FDCPA violations can entitle consumers to up to $1,000 in statutory damages per violation; TCPA violations can yield $500–$1,500 per call.
- The Wood Firm PLLC handles these cases on contingency: no upfront fees, and if Fidelis violates federal law, they pay.
Free Case Review: +1-844-638-1122
Who Is Fidelis Recovery Management?
Fidelis Recovery Management, LLC is a third-party debt collection agency that purchases and collects delinquent consumer accounts. The firm collects past-due retail accounts, consumer finance lines, and medical bills. Corporate filings name Adam Elder as the President and Managing Member of the LLC.
The company began operations on June 2, 2013. In 2014, Fidelis entered a formal compliance agreement with the North Carolina Department of Insurance. The agreement addressed out-of-state collection agency permits.
In our practice, the first document we pull on any Fidelis file is the chain-of-title record. Collection agencies that purchase portfolios frequently lack complete assignment documentation. A broken chain can mean the agency has no legal standing to collect.
- Also Known As: FRS (referenced in consumer complaints)
- Address: 1841 Piedmont Road, Suite 202, Marietta, GA 30066
- Phone: See phone numbers section below
- BBB Profile: Fidelis Recovery Management BBB listing
Phone Numbers Fidelis Recovery Management Uses
Consumers searching online to identify who called them most commonly find Fidelis associated with the abbreviation “FRS” in complaint threads. If any of the following formats appear on your caller ID, the call may be from Fidelis Recovery Management:
- No confirmed outbound numbers are documented in the research available; if you received a call and want to verify the source, report the number to the CFPB complaint portal and check the BBB listing above for updates.
Consumer complaint boards, including BBB filings, show callers using the “FRS” abbreviation. They do not always use the full company name. That practice may itself violate the FDCPA. Under 15 U.S.C. § 1692e(14), collectors must use their true business name.
Why Is Fidelis Recovery Management Calling You
Fidelis Recovery Management is calling you because a creditor assigned or sold your account to them for collection. That creditor may be a retail lender, consumer finance company, or medical provider. Fidelis operates as a third-party collector. It either purchased the debt outright or collects on behalf of the original creditor for a fee.
The account may be years old. Consumers have reported receiving Fidelis collection letters with balances they do not recognize. According to the Willis v. Fidelis complaint, the agency allegedly stated a balance and a settlement figure with no proportionate relationship.
If the Fidelis balance does not match your records, request written debt validation before making any payment. Under 15 U.S.C. § 1692g, Fidelis must verify the debt if you dispute it in writing within 30 days of first contact.
Has Fidelis Recovery Management Been Sued
Yes. Federal courts have named Fidelis Recovery Management as a defendant in multiple lawsuits alleging FDCPA violations. The cases on record focus on balance misrepresentation, misleading settlement offers, and missing validation disclosures.
- Willis v. Fidelis Recovery Management, LLC, et al., E.D. Tex.: proposed class action alleging Fidelis and First Financial Investment Fund IV sent letters misrepresenting the plaintiff’s balance. The complaint alleged a settlement offer of $61,529.79 on a $1,079.47 debt. That misrepresentation allegedly violates FDCPA § 1692f.
- Justice v. Fidelis Recovery Management, LLC, No. 2:18-cv-03107 (E.D. E.D. Cal.): individual FDCPA action; the court granted an unopposed default judgment, awarding statutory damages, attorney fees, and costs.
- Piotrowski v. Fidelis Asset Management, LLC, No. 1:2013-cv-00880 (W.D.N.Y.): private civil FDCPA action filed in the Western District of New York.
When we open a Fidelis file, we pull the collection letter alongside the original creditor agreement. We also request any balance breakdown the agency possesses. The Willis lawsuit illustrates what we look for. A settlement demand that exceeds the stated balance by orders of magnitude suggests misrepresentation under § 1692f.
Can Fidelis Recovery Management Report to Your Credit
Yes, Fidelis can report unpaid accounts to Equifax, Experian, and TransUnion. That reporting must comply with the Fair Credit Reporting Act. Under the FCRA, a collector may only report accurate and verified information.
An inflated reported balance may support a claim under both the FDCPA and the FCRA. Reporting a debt before sending the required validation notice creates the same exposure. A credit entry that appears before any written notice can itself form the basis of a federal claim.
Review your credit reports at AnnualCreditReport.com. If the reported balance does not match your records, dispute it in writing with each bureau. Document the response.
Is Fidelis Recovery Management a Scam
Fidelis Recovery Management is a real, licensed debt collection agency. Licensed does not mean every tactic is legal. The company holds state collection permits and maintains a BBB listing in the Greater Atlanta market. Its 2014 compliance agreement with the North Carolina Department of Insurance is part of that regulatory record.
That said, federal court filings allege the agency sent consumers collection letters containing false or misleading balance information. Under the FDCPA, a collector that misrepresents a debt amount may be liable regardless of licensing status.
In our practice, we review every Fidelis letter for the original balance line versus the settlement demand. When those figures are disproportionate with no itemized breakdown, that gap is where a § 1692f claim begins.
Is Fidelis Recovery Management Banned by the FTC
No. The Federal Trade Commission has not banned or shut down Fidelis Recovery Management. The agency continues to operate as a licensed third-party collector.
The absence of an FTC ban does not mean Fidelis has a clean enforcement record. The agency has faced federal FDCPA litigation and consumer complaints logged with the BBB. Its 2014 compliance agreement with the North Carolina Department of Insurance reflects prior regulatory scrutiny.
Private lawsuits under the FDCPA act as a parallel enforcement mechanism. Consumers who prove a violation recover statutory damages, and the collector pays their attorney fees.
How The Wood Firm PLLC Helps Stop Fidelis Recovery Management Debt Harassment
When a Fidelis Recovery Management file comes to our firm, we start with the collection letter itself. The Willis class action shows the core pattern we examine: a stated balance against a settlement demand with no proportionate relationship.
We check whether the collector provided an itemized breakdown showing how it reached either number. Then we also pull the original creditor agreement, and check whether any fees or interest in the demand have authorization under the contract or state law. If the Fidelis balance does not match what you owe, that gap may form a federal claim.
The Wood Firm PLLC represents consumers exclusively. We have never represented a creditor or a collector. Our practice covers FDCPA, FCRA, and TCPA claims on contingency. No upfront fees, and if Fidelis violates federal law, they pay our fees. After you call, we review the letters and call records you have. We identify which violations the facts support and explain your options clearly. Reach us at +1-844-638-1122.
If Fidelis Recovery Management sent you a collection letter with a balance or settlement amount that doesn’t add up, that document may already contain the evidence. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency: if they violated federal law, they pay our fees.
Frequently Asked Questions
What is Fidelis Recovery Management
Fidelis Recovery Management, LLC is a third-party debt collector based in Marietta, Georgia, founded in 2013. The agency collects delinquent retail, consumer finance, and medical accounts. It operates under the name “FRS” in some consumer complaints.
Why is Fidelis Recovery Management calling you
Fidelis is calling because a creditor assigned or sold your account to them for collection. The account may be from a retail lender, medical provider, or consumer finance company. Request a written validation notice if you have not received one within five days of first contact.
Is Fidelis Recovery Management legitimate
Yes, Fidelis Recovery Management is a real, licensed collection agency. Licensing does not exempt it from federal consumer protection law. Court filings allege the agency sent letters misrepresenting debt balances in violation of the FDCPA. A legitimate business can still violate federal law.
Can Fidelis Recovery Management sue me
Yes, debt collectors can file suit to obtain a judgment, especially on larger balances. Check whether the statute of limitations in your state has expired before the account reaches that stage. If Fidelis has misstated the balance, that may be a defense.
Can Fidelis Recovery Management garnish my wages
Fidelis cannot garnish your wages without first obtaining a court judgment against you. If they threaten wage garnishment without a judgment in hand, that threat may itself violate the FDCPA. Document any such threat in writing.
What does the FDCPA say about inflated debt balances
FDCPA § 1692f prohibits collectors from collecting amounts not authorized by the original agreement or state law. Court filings allege Fidelis sent settlement demands that overstated legally owed amounts. If the balance exceeds what you can trace to the original account, that may be a § 1692f violation.
How do I dispute a Fidelis Recovery Management debt
Send a written dispute to Fidelis within 30 days of first contact. Under the FDCPA, they must stop collection activity until they provide written verification of the debt. Send the dispute by certified mail and keep the receipt.
Does Fidelis Recovery Management report to credit bureaus
Yes, Fidelis can report to Equifax, Experian, and TransUnion. That reporting must reflect an accurate, verified balance under the FCRA. If the reported balance differs from what your records show, dispute the entry directly with each bureau in writing.
Your Next Step If Fidelis Recovery Management Has Contacted You
Keep every letter Fidelis sent you. The balance line, the settlement demand, and the postmark are the three data points that matter most. Call +1-844-638-1122 and bring those documents to the conversation. The Wood Firm PLLC handles Fidelis cases on contingency. No upfront fees, and if they violated federal law, they pay.
Jeff Wood represents consumers exclusively. He never represents creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
