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Negotiations Department

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Negotiations Department Reports & Reviews (150)

- Freehold, NJ, USA • Aug 29, 2025
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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
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Claiming they have settled accounts with major banks for individuals with debt with these institutions. Vague wording meant to intimidate.

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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.
Photo 1 proof in review #17665840 about Negotiations Department

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+2
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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.
Photo 1 proof in review #17630030 about Negotiations Department

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*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)
Photo 1 proof in review #17236646 about Negotiations Department

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+4
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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.
Photo 1 proof in review #17191284 about Negotiations Department

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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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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.
Photo 1 proof in review #17056456 about Negotiations Department
Photo 2 proof in review #17056456 about Negotiations Department

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+5
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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-
Photo 1 proof in review #16933437 about Negotiations Department

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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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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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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!
Photo 1 proof in review #16919935 about Negotiations Department

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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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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.
Photo 1 proof in review #16825633 about Negotiations Department
Photo 2 proof in review #16825633 about Negotiations Department

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I got the same letter it's a Scam!

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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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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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+6
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Received 2 identical letters saying same thing. Each letter had different number. Claims to be a negotiation department servicing Discover, Wells Fargo, Bank of America Capital One and American Express. No Business name or address shown. No email address.

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Same as previous posters. Generic letter, no company names or logos. Says they "recently settled accounts with: Bank of America, Citibank, JP Morgan, Chase, Wells Fargo, American Express, Capital One, Discover, HSBC, Target, GE Money. Mention of a possible "settlement of your outstanding balance." Vague threats about not calling.

Basically, no company information anywhere, no proof of anything, just a basic phishing form letter.

Info on letter:

Negotiations Department
RE: Credit Settlement
Notice Number: 1939_N6059
Notice Date: 5/11/2022
Contact Phone: 866-697-5107
Photo 1 proof in review #16762669 about Negotiations Department

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I received the same letter with all major credit card companies listed. I am not in default of any cards nor have I been so 'luckily' before I called I checked online. 100% found this was a scam. The letter was exactly what several have posted. Bold 'failure to respond' in the middle. Please destroy this letter! Do not call!

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I have received a final notice in the mail to contact this place for paying a credit card debt on an unsecured credit card (which I have never owned). Claiming I have $30,000 in debt, and will settle for $15,000. They don't specify which card company the debt is through, instead; they just list ALL major cards and banks at the top of the page, just to increase the odds this would apply to someone. The letter specifically states in the bottom fine-print "this is not a letter from the local, state, or federal government, nor should it be construed as such. Number being used above are only estimates. We are not a collector and/or creditor. We do not assume consumer debt, provide tax accounting, or credit repair services" So, obviously an outright scam. I feel sorry to anyone who falls for it. Their direct address is 1125 E Campbell Rd, Suite 200, Richardson, TX, 75081. Which is the address of a financial department called "DebtBlue". This at least needs to be investigated.
Photo 1 proof in review #16733776 about Negotiations Department

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Negotiations Department Contacts

Negotiations Department associated photos:


Address:

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

Phone:
+1 (888) 381-0949 1 1
+1 (888) 907-5573 0 0
+1 (800) 953-6593 0 1
+1 (888) 256-3530 0 0
+1 (888) 491-0422 0 0
+1 (800) 641-3277 0 0
+1 (888) 381-0946 0 0
+1 (888) 705-2261 0 0
+1 (866) 413-3736 0 0
+1 (619) 541-6292 0 0
+1 (888) 253-2026 0 0
+1 (888) 381-0958 0 0
+1 (888) 381-0951 0 0
+1 (800) 913-6689 0 0
+1 (877) 271-8535 0 0
+1 (866) 377-7968 1 0
+1 (866) 431-8611 0 0
+1 (617) 259-6525 0 0
+1 (888) 491-0403 0 0
+1 (888) 427-7580 0 1
+1 (888) 323-2893 0 0
+1 (800) 977-9469 1 0
+1 (866) 745-7368 0 0
+1 (661) 438-5594 0 0
+1 (855) 921-4484 0 0
+1 (800) 953-6513 4 0
+1 (800) 983-4057 13 0
+1 (800) 490-7488 0 0
+1 (800) 764-8965 0 0
+1 (800) 576-2172 0 0
+1 (800) 544-4407 0 0

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