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Old 12-10-2020, 06:51 PM   #21
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Fidelity has been annoying and profitable for me over the years.

They duped a payroll deposit into my account 20 ish years ago. They insisted it was valid so I left the funds in the account as a buffer for about a year.

About 16 years ago they gave me a 0% forever credit card offer with a huge limit. Read the fine print a few times then maxed the card out and setup minimum payments. Been paying about 160 / month past 14 years & not a nickel of interest.

In my employer sponsored stock plan I've had a "pending settlement" of $37 for at least 18 months. Cash balance has been a few hundred to few dollars, that pending item won't go away.

So I have no faith in a darn thing from Fidelity.
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Old 12-10-2020, 07:07 PM   #22
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Perhaps what you could do is to send the CEO of Fidelity a letter by certified mail.... explaining the $189 credit to your account was not from you and that you have tried on two separate occasions to alert Fidelity of the error so they could correct it... provide as much details as you can and copies of relevant documents.

Then conclude the letter with something along the lines of that while you are hopeful that Fidelity will correct the error that your main reason for writing it and sending it to them is so that if the IRS accuses you of making a contribution that you were not entitled to make because you have no earned income that you wanted a written record to show them that you made a good faith effort to notify Fidelity of the error and asked them to correct it.

I'm guessing that something will happen in response.
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Old 01-05-2021, 10:52 AM   #23
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This issue was resolved by the card company, Elan (via Cardmember Service).

"Our records show this deposit occurred due to a customer entering their Fidelity investment account number incorrectly. We appreciate you brining this tp our attention, and are working to remove the deposit."

Wow, I thought they would at least match names for the accounts. Maybe that's only for withdrawal-enabled EFT's? Who needs passwords when misconnections are this easy?

The money is still in my account, so nothing has actually happened to fix the problem, but hopefully soon.
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