Negotiations Department 2026 Reports & Reviews

Negotiations Department Reports & Reviews (154)

• May 18, 2026

Type of a scam: Credit Repair/Debt Relief

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- Hamden, CT, USA • Apr 22, 2026

Phone: (833) 370-2543
Website: N/A
Country: United States
Type of a scam: Phishing

Letter from negotiations department demands payment for multiple banks

Received letter saying re: Discover, Wells Fargo, Bank of America, Capital One, American Express

Negotiations Department

The letter stated to please contact them by phone within 10 days to settle outstanding balance. Failure to respond will result in accrued interest. It had an estimated creditor balance, an estimated settlement amount, proposed program payment, and program terms months. No physical address, no email address.

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- Augusta, GA, USA • Apr 15, 2026

Phone: (888) 366-9375
Address: 2377 Gold Meadow Way, Gold River, CA 95870, USA
Country: United States
Type of a scam: Phishing

Received a letter demanding payment for credit accounts I don't have

I received an unknown letter in the mail from a "Negotiations Department" that states in RE: to Credit Settlement telling to pay for an outstanding balance on behalf of different credit accounts that they name: Discover, Wells Fargo, Bank of America, Capital One and American Express, whom I don't have credit with.

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- Brick, NJ, USA • Oct 01, 2025

Phone: 1(888) 418-7456
Website: N/a
Address: 2377 Gold way, Gold River, CA 95870, USA
Country: United States
Type of a scam: Credit Cards

I received a letter from a “negotiations department “ with the heading “Re: Discover, Wells Fargo, Bank of America, Capital One, American Express*” with a reference number and a contact phone number claiming that they could settle my debt in monthly payments of $312.00 if I contacted them within 10 days.

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- Freehold, NJ, USA • Aug 29, 2025

Phone: (855) 431-4716
Address: there is no address on the letter
Country: United States
Type of a scam: Debt Collections

I am receiving letters in mail from negotiations Department, no address just a phone number to call. RE: Discover Wells Fargo, Bank of America, Capital One, and American Express

Failure to respond will result in interest accruing on your unsecured credit balances at an unreasonable rate. In addition, penalties may accrue in the event of unpaid obligations. I have also gotten numerous phone calls with a recording saying my file has been marked and we can negotiate to reduce what you owe. Calls keep coming from NY phone numbers.

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- Tampa, FL, USA • Jul 28, 2025

Phone: (866) 287-3905
Website: none
Email: [email protected]
Country: United States
Type of a scam: Phishing

Claiming they have settled accounts with major banks for individuals with debt with these institutions. Vague wording meant to intimidate.

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Type of a scam: Bank/Credit Card Company Imposter Scam

Disgusting scammers

Got this in the mail.. considering I have never had a credit card with a $25,000 credit, I knew it was a scam. Then Google lensed it and realized I wasn't the only one.

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Phone: 1-866-585-8241
Country: United States
Type of a scam: Other
Initial means of contact: Phone

They claim to offer you settlement money that their firm will receive from one of your creditors. You are to call the number by 10 days or will receive nothing.

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Credit Settlement

*Scammer's phone* 866-240-3421
*Scammer's website* ?
*Scammer's address* ?
*Scammer's email* ?
*Country* United States
*Type of a scam* Credit Repair/Debt Relief
*Initial means of contact* Postal mail & Phone

Absolute bulls*ht. Got this in the mail along with a string of harassing phone calls.
Scared my poor mom. :(((
(it was addressed to her)

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Phone: 18662454937
Country: United States
Type of a scam: Debt Collections
Initial means of contact: Postal mail

RE: Discover, Wells Fargo, Bank of America, Capital One, American Express

Sent me an mail saying their company settled with my credit cards and I have to respond to get a settlement. If I don't respond, my debt will grow at an "unreasonable" rate.

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Negotiations department

Got the same letter, with NO return address, and no address on the bottom of the letter. It's Saturday, so I tried to call. Got a live person, who said she only takes the responses from the mailing, and then calls the actual company! Tried to get my number, told her I would call on Monday. Shredded the mail, and my cell phone is a Google pixel with great blocking installed. Let them call!

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The 1st notice worried me for a second so I asked my bank if this seemed legit, of course, they said no, don't trust it. I received a 2nd notice today and googled the address provided in the letter, on google maps the location is a gas station. Definitely tossing these out from now on!

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Adjustment of credit accounts

Hello. I received a letter on January 13, 2020. The letter stated that it was from the “Negotiations Department” asking me to call their office at 800-536-0431 within 10 days to adjust my credit accounts. The letter further explained that "our firm has settled accounts" with numerous banks, and that I may be entitled to a settlement of my outstanding credit balance. I was also given a reference number to refer to when I called. The fine print at the bottom of the letter listed the name “Nationwide Financial Services”. I did not follow up with the letter because I don't know this company nor did I reach out to them for assistance.

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Negotiations Department letter

I’ve gotten at least 3 of these letter in the past year- “Failure to Respond “ is what clicked that it was a scam - too good to be true! In the shredder now-

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Phone: 8007430038
Address: Fresno, CA 93704, USA
Email: [email protected]
Type of a scam: Credit Repair/Debt Relief

They will send a very generic letter listing every major bank, hoping you use one of them and give them a call to settle your debt. They have no return address and insist you call their number. I did not call the number as I figured something was off when I noticed how vague the info was and no return address,

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Type of a scam: Credit Cards

Received a letter in the mail from “Negotiations Department” asking me to call the above number within 10 days to adjust my credit accounts. “Our firm” has settled accounts with numerous banks and I am entitled to a settlement of my outstanding credit balance. Gave me a reference number to refer to when I call. The fine print at the bottom gives the name “Nationwide Financial Services” in San Diego, CA.

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Phone: 800-251-2440
Website: None
Address: P.O. Box 850177
Email: None
Country: United States
Type of a scam: Debt Collections
Initial means of contact: Postal mail

Negotiations Department

I received a postal letter from Richardson, TX with a bogus “Notice #”….I don’t have any missed payments, first of all…Second there is only a 1-800 # listed….SCAM, SCAM, SCAM….BEWARE!

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Scam

I’ve been getting letters in the mail that look exactly like the pictures above from Richardson Texas. I get no calls, no emails just mail. I also have no reports on my credit about missing any payments.

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Negotiations Department of what?? Who are you again??

I got a neat replica letter in the mail like others. While I do have a good amount of credit card debt, and I do have cards with some of the banks, I was confused as to who was trying to contact me. There are no official company logos on the letter, indicating a debt relief program. There is no name for who I’m even suppose to ask for when I call in, like what the hell is your company even called? Wanted to google this for more info anyways, and definitely looks like a scam. I almost want to call just to mess with them lmao. There is also NO RETURN ADDRESS or official stamp on the envelope it arrived in. Just a blank envelope. So where is this sketchy business even located? Seriously, I know minimum wage in the U.S. sucks, but people need to get a 9-5 job instead of compromising their integrity.

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+12

I got the same letter it's a Scam!

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Type of a scam: Credit Repair/Debt Relief

Received a vague letter in the mail saying it was from the "Negotiations Department". There is no actual business listed, no address provided. It claims their "firm" recently settled accounts with Bank of America, Citibank, JP Morgan Chase, Wells Fargo, American Express, Capital One, Discover, HSBC, Target, GE Money. If you have an account with these or other Lenders, you may be entitled to a stetlement of your outstanding balance. It even has a "Failure to respond" message. This is a classic scam, they list every common banking institution they know in order for someone to panic and give out private information. Total phishing scam. Idk how they got some of my private information like my name and address, that peeves me a lot. It was sent in a blank envelope that anyone could have sent out at home.

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Phone: 800-544-4407
Address: P.O Box 850177 Richardson TX 75083
Country: United States
Type of a scam: Bank/Credit Card Company Imposter Scam
Initial means of contact: Postal mail

RE: Bank of America, Discover, Capital One, American Express, Wells Fargo

I’ve received letters and phone calls saying I owe money when I don’t have any open credit cards or loans with these institutions

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Negotiations Department Contacts

Negotiations Department associated photos:

View Photos

Address:

5549 Ft. Caroline Rd. #211 Jacksonville, Fl 32277

Phone:

+1 (888) 381-0949

+1 (888) 907-5573

+1 (800) 953-6593

+1 (888) 256-3530

+1 (888) 491-0422

+1 (800) 641-3277

+1 (888) 381-0946

+1 (888) 705-2261

+1 (866) 413-3736

+1 (619) 541-6292

+1 (888) 253-2026

+1 (888) 381-0958

+1 (888) 381-0951

+1 (800) 913-6689

+1 (877) 271-8535

+1 (866) 377-7968

+1 (866) 431-8611

+1 (617) 259-6525

+1 (888) 491-0403

+1 (888) 427-7580

+1 (888) 323-2893

+1 (800) 977-9469

+1 (866) 745-7368

+1 (661) 438-5594

+1 (855) 921-4484

+1 (800) 953-6513

+1 (800) 983-4057

+1 (800) 490-7488

+1 (800) 764-8965

+1 (800) 576-2172

+1 (800) 544-4407

E-mails:

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Negotiations Department

Negotiations Department Reports & Reviews (154)

Letter from negotiations department demands payment for multiple banks