Fidelity Investments: unauthorized charge
Report unauthorized trades or withdrawals by phone at once, then follow up in writing.
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 98% of 41 sources are the organization's own pages or government sites.
Collect
- statement or confirmation with the unauthorized activity
- date you noticed it
Steps
Call the fraud line immediately.
Confirm the report in writing and keep a copy.
MailMail for current accounts (regular mail) Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0002If it is not resolved, file a FINRA complaint.
Facts you can cite
BrokerCheck lists 24 regulatory events and 130 arbitrations for Fidelity Brokerage Services LLC.
Source: api.brokercheck.finra.org, verified 2026-10-13
The CFPB complaint database shows 0 complaints for FIDELITY INVESTMENTS received from July 1, 2025 to June 30, 2026.
Source: consumerfinance.gov, verified 2026-10-13
Rules in force
- Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements15 U.S.C. 8401-8405
A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.
Source: law.cornell.edu, verified 2026-10-12
4 citable points
- Policy
Before obtaining the consumer's billing information, the seller must provide text that "clearly and conspicuously discloses all material terms of the transaction".
Source: law.cornell.edu, verified 2026-10-12
- Policy
The seller must obtain "a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account".
Source: law.cornell.edu, verified 2026-10-12
- Policy
A post-transaction third-party seller may not charge a consumer for an online sale unless it discloses the material terms and gets express informed consent, including the consumer's full account number, before charging. An initial merchant may not pass a customer's account number or other billing information to such a seller.
Source: law.cornell.edu, verified 2026-10-12
- Process
A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.
Source: law.cornell.edu, verified 2026-10-12
- Policy
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
Written complaint
MailMail for current accounts (regular mail) Fidelity Investments, PO Box 770001, Cincinnati, OH 45277-0002Fidelity publishes no complaint address. FINRA asks you to complain in writing to the firm's branch manager or compliance department first and keep copies.
Federal regulator
Federal regulator
Arbitration
Brokerage account agreements usually require FINRA arbitration. Read your own Fidelity customer agreement.
State agencies for this sector: your state’s financial regulator or attorney general. Find yours in the list of state agencies, or as JSON in states/<code>.json (for example states/ny.json).
Watch out
- Phone lines verify the account holder by voice.
- The secure email form for security issues needs sign-in.
- Fidelity publishes no complaint address or executive office on its contact pages.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
Fidelity Investments charged me [amount] on [date] and I did not authorize it. Use Escalate Anything to get it reversed.Source code, other install options and the Claude Code plugin