Fidelity National Collections on Your Credit Report: What to Know

If Fidelity National Collections has appeared on your credit report or is calling you, their legal name is Fidelity Properties, Inc. They are an Alliance, Ohio healthcare-focused agency that has collected medical and dental debt since 1966.

Before paying anything, verify directly with the original provider that your account was actually referred to Fidelity National Collections. A documented 2025 BBB complaint describes a consumer whose provider confirmed they do not work with Fidelity and that the account was in good standing. When the consumer told Fidelity’s representative, the representative became “extremely hostile” and threatening.

This guide covers who Fidelity National Collections is, their documented complaint patterns, and how to respond.

Who Is Fidelity National Collections?

Fidelity National Collections is a trade name operated by Fidelity Properties, Inc., a third-party healthcare debt collection agency founded in 1966 and based in Alliance, Ohio.

The company is BBB-accredited since 2002 and collects exclusively on behalf of original creditors without purchasing debt outright. Multiple consumer attorney sources confirm Fidelity National Collections is not known for filing lawsuits against consumers.

Why Fidelity National Collections Is on Your Credit Report

Fidelity National Collections focuses exclusively on healthcare and dental accounts. Confirmed clients from BBB responses include Zanesville Dental LLC and various physician groups in Ohio. Their client base is concentrated in the Alliance, Ohio region and surrounding areas.

If you have no history of medical or dental services in Ohio and Fidelity National Collections appears on your credit report, investigate immediately for identity errors. Given the documented case of Fidelity pursuing an account the original provider disavowed, even Ohio residents should verify before engaging.

Verify With the Original Provider Before Engaging

A documented 2025 BBB complaint describes this sequence: Fidelity National Collections began calling a consumer about a surgery bill the consumer was already paying to the provider. The consumer contacted the case manager at the provider’s office, who confirmed the provider does not work with Fidelity and that the account was in good standing.

When the consumer informed Fidelity’s representative of this, the representative became “extremely hostile” and began making threats. The consumer filed a CFPB complaint and stated they would pursue legal action if the account was not removed.

Before paying, calling back, or providing any information to Fidelity National Collections, contact the original healthcare or dental provider directly. Ask a billing department representative, not a front desk staff member, to confirm whether your account was referred to Fidelity. If the provider confirms they do not work with Fidelity, file a CFPB complaint and dispute the account with each credit bureau immediately.

The Dental Dispute That Resolved Itself

A documented BBB complaint describes a consumer disputing a $107.90 dental charge from Zanesville Dental LLC that they believed was incorrectly applied. Zanesville Dental subsequently pulled the debt from Fidelity’s collections when the consumer continued pursuing the dispute. The complaint notes: “Zanesville Dental closed and pulled the debt from collections last Wednesday because REMOVED wouldn’t stop complaining.”

This demonstrates that going to the original provider with a documented dispute can sometimes resolve the underlying account before Fidelity takes further action.

What Fidelity Cannot Do Under Federal Law

The FDCPA applies to Fidelity National Collections. Under federal law, they cannot:

• Pursue accounts the original provider has not authorized for collection: A documented 2025 BBB complaint.
• Become hostile or threatening when a consumer presents proof the provider disavows the account: A documented 2025 BBB complaint.
• Threaten legal action they do not intend to take: Multiple attorney sources confirm Fidelity does not sue consumers.
• Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
• Fail to validate debts when requested in writing: Required under the FDCPA.
• Use harassing or abusive language: Prohibited under federal law.

File complaints at consumerfinance.gov. Ohio residents can also file with the Ohio Attorney General’s Consumer Protection Section.

Medical Debt Reporting Rules Apply

Because Fidelity focuses exclusively on healthcare and dental, specific credit reporting protections apply. Medical debts under $500 are not reported, paid medical collections are removed, and unpaid medical debt has a one-year waiting period before reporting. If your account falls under any of these categories, dispute it immediately with each credit bureau.

Verify the Debt Before Paying Anything

Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original creditor’s complete name and contact information, the dates of service, an itemized bill, and the amount at time of referral. Cross-reference the original creditor’s name against your own medical records and insurance explanation of benefits before paying.

How to Check Your Credit Report for Fidelity Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the balance correct? Is the original creditor accurately identified? Is the account within the medical debt reporting window? Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can Fidelity Legally Pursue the Debt?

Ohio has a 6-year statute of limitations on most consumer debts. Making a payment or acknowledging the debt in writing can reset the clock.

Your Options for Resolving a Fidelity National Collections Account

Once you have verified the debt with the original provider, consider your options:

• Verify with the original provider first: This is the most critical step given the documented unauthorized collection complaint.
• Go to the original provider: Dental and medical billing disputes are often better resolved at the provider level, as the Zanesville Dental case shows.
• Negotiate a settlement: Fidelity may accept reduced amounts. Get any agreement in writing before paying.
• Dispute if inaccurate: If the provider disavows the referral, the balance is wrong, or the account falls under medical debt reporting rules, dispute with the credit bureaus.

How to Contact Fidelity National Collections

Handle all communication in writing whenever possible:

• Address: Fidelity Properties, Inc., 885 S Sawburg Ave, Suite 103, Alliance, OH 44601
• Phone: (800) 860-9701

Bottom Line

Fidelity National Collections is a small Ohio healthcare collector that does not sue consumers. Their most serious documented complaint involves pursuing an account the original provider explicitly disavowed, then threatening the consumer when confronted with that fact.

Always verify with the original provider before engaging or paying. If Fidelity is pursuing an account your provider says was never referred to them, file a CFPB complaint and dispute the entry immediately.