We Make Debt Recovery –
Simple, Transparent, and Empowering

We want to make payments convenient for you, so we offer three options to suit your needs:

• Online – Log in to our payment portal to make payments on your account.
• Call Us – Give us a call at (281)391-3030, and we will be happy to assist you.
• By Mail – Send your payments to Fidelity Account Services, 216 Main St, Eagle Lake, TX 77434.

Please choose the option that works best for you!

Absolutely! To make a payment using a debit or credit card, click on the Payment Portal link at the top of this page and follow the instructions provided. Our online payment system is secure and user-friendly, designed to ensure a smooth experience.

If you have any questions or run into any issues, please don’t hesitate to contact our customer support team for assistance. We’re here to help!

We understand that unexpected situations can occur, which is why we encourage our payers to keep open communication with FAS. Please notify us of any changes to your payment at least three days before the scheduled date.

For more information about our payment policy, please visit the Consumers page on our website. To connect with an Account Representative, check out our Contact Us page.

Once your final payment has been successfully processed, our team will update your account status to “Closed” in our system. You will receive a “Paid in Full” letter for your records. Additionally, the original creditor will be notified that your account has been resolved in accordance with the agreement between FAS and our client.

If, after reviewing the validation information from FAS, you still do not recognize the debt or believe it is not yours, please send us a dispute letter. In this letter, clearly state that you do not owe some or all of the amount and request verification of the debt.

Make sure to send your dispute letter within 30 days of the date on the validation letter. Once we receive your letter, all collection efforts will be paused until we provide you with written verification of the debt, which may include a copy of the original bill detailing the amount owed. We recommend sending your letter via certified mail and requesting a return receipt to confirm that it has been delivered. Remember to keep a copy of the letter for your records.

If you do not dispute the debt within 30 days of receiving the validation information, FAS will consider the debt valid.

For more details, please refer to the Debt Validation notice available at the bottom of the Consumers page on this website.

If you suspect your account has been compromised due to identity theft, contact FAS immediately at (281)391-3030. We will provide you with further instructions. You will need to provide one or more of the following documents to assist us in our investigation:

• A notarized Identity Theft Affidavit form
• Completed police report
• An Identity Theft Report obtained from the federal government’s website: identitytheft.gov.

We do not provide data updates to the credit bureaus regarding an account for a minimum of 60 days after it has been assigned to FAS. This period allows us to evaluate the account’s validity and determine its eligibility for credit reporting, as well as to notify the affected consumer. It also gives consumers time to resolve the account before we submit our initial data update.

The process for reporting to the credit bureau varies for each account and is governed by the Fair Credit Reporting Act.

Unresolved debts can impact your credit score for up to seven years from the date of the initial delinquency. During this period, any late payments, collections, or charged-off accounts associated with the debt will continue to affect your credit report.

It’s important to note that some types of debt, such as bankruptcies or student debt, may remain on your credit report for an extended period, depending on the situation.

To mitigate the negative effects, consider working towards settling outstanding debts and maintaining a consistent payment history moving forward.

If you have paid off an account in full or reached a settlement before we start credit reporting, and the payment has been successfully processed, we will not report the account to the major credit bureaus.

If you pay off an account or settle it after we have begun credit reporting, and the payment is processed successfully, we will request deletion from the major credit bureaus.

If the final payment is canceled or reversed for any reason, and the account is still eligible for credit reporting, we will treat the account as active with the major credit bureaus.

Note: We can only manage our internal processing times. Once we send our request to the major credit bureaus, we cannot influence how quickly they will remove the account from your credit report.

We update the major credit bureaus with data at least once a month. After we submit our request, we cannot influence how long it takes for them to process it. Consumers using third-party credit monitoring services might face extra delays, as these services generally update their information only after the credit bureaus have made their changes.

We recognize that these delays can be frustrating, and we thank you for your understanding. If you have any questions regarding the actions taken by FAS, feel free to contact one of our helpful Account Representatives at (281) 391-3030 or complete our Contact Us form.

For inquiries about the timing of account removals by the credit bureaus, please reach out to them directly.

FAS does not control the information reported by the original creditor or any other third party, and it cannot request that this information be deleted or altered. For information about other accounts on your credit report, contact the credit bureaus directly or reach out to the original creditor responsible for those accounts.

Our Consumer page on this website provides a wide range of valuable resources for you. Be sure to visit and take advantage of them!

Reach out to your Client Liaison or call (281)391-3030 to reach our office. We’re all here to help you. You can also contact our Client Services Director at [email protected] or calling our office.

For assistance with signing in:

• Contact your Client Liaison,
• Send an email to [email protected], or
• Call (281)391-3030

We are all ready to assist you.

Your Client Portal is the most effective way to stay up-to-date with your accounts placed with FAS.

Here you can:

• Upload documents to your profile
• Add accounts, both individually and in bulk
• Generate a diverse range of reports, including payment and status reports
• Review account details
• Create transactions
• Initiate new claims for an account
• Edit the collection status
• Print statements
• Upload documents specific to the account
• View notes and reminders added by FAS to the account

To schedule a consultation, click here.

FAS offers customized payment schedules tailored to your needs. The payment frequency will align with the terms specified in your agreement with FAS. For additional assistance, please visit our Contact Us page or reach out to your Client Liaison, who will be glad to help you.

Fees and commissions charged to clients by FAS are based on the agreement terms between FAS and the client. For more information, contact your Client Liaison or visit our Contact Us page to schedule a consultation.

FAS values your feedback. We believe in treating all customers with respect and honesty, and we’re committed to complying with all applicable local, state, and federal laws. If you have any concerns about how your account was handled, please reach out using one of the following methods and include your first and last name, a phone number or email address to contact you, and an account number, if applicable.

Submit Feedback on the Reviews page of this website.

Phone: (281)391-3030

Email: [email protected]

Mail: Fidelity Account Services, Compliance Department, 216 Main St, Eagle Lake, TX 77434

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects debtors from unfair, deceptive, and abusive debt collection practices by third-party collectors. It was approved in 1977 and became effective in March 1978.

For more information, please click here.

FAS ensures the protection of consumer information through a range of security measures, including data encryption, robust password policies, access controls, employee training, data backups, and monitoring systems. We also comply with privacy regulations, effectively restricting access to your data and preventing unauthorized access or breaches.

FAS is compliant with PCI DSS, SSAE 18 SOC 2, HIPAA, and maintains Uptime compliance.

Our Consumer page offers resources that will assist you in learning more about your rights as a consumer. Check them out by clicking here.