National Fidelity Financial (nfdebt.org) has a 4.7 out of 5 rating on OK.one, based on 104 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-12.
7/24/2026**UPDATE** OMG... they let the ball drop again.
I gave Steven verbal authorization to move forward with the payment, and the additional funds have already started being debited. They did send an email around the same time asking me to reply "yes" to approve the account, but I honestly believed my verbal authorization was sufficient since the withdrawals had already begun.
What is most frustrating is that there was no follow-up to let me know they were still waiting on that email confirmation. A simple phone call or email could have prevented all of this. Ironically, if one of my payments doesn't clear, they have no problem contacting me immediately, and I always correct it as soon as possible.
Instead, I received a letter from the Sheriff's Office stating that my bank account has been garnished with a hold of over $10,000. This entire situation feels completely avoidable with better communication, and I'm extremely disappointed that it was allowed to get this far.
6/5/2026 **UPDATE**
I wanted to provide an update regarding my experience with Steven and National Fidelity Financial. While I was initially frustrated with the communication surrounding a creditor issue and civil judgment matter, I am pleased to say that the situation was ultimately resolved satisfactorily.
Steven took the time to address my concerns, review the documentation I had provided, and work toward a positive outcome. I appreciate the efforts made to resolve the matter and the professionalism shown throughout the process. The results achieved have given me confidence that my concerns were taken seriously and handled appropriately.
Thank you to Steven and the team at National Fidelity Financial for seeing this through and helping bring the matter to a successful resolution.
I am extremely disappointed with the level of communication and service I received. I submitted legal documentation regarding a specific creditor and followed up multiple times, including notifying them of a civil judgment well before the court date. Despite providing all the necessary information and making repeated attempts to get updates, there was little sense of urgency and very poor communication throughout the process.
It's frustrating that notifications seem to be sent quickly when there is an issue with payments, yet important matters affecting a client's account do not receive the same attention. I expected a more proactive and responsive approach, especially when legal matters were involved. Unfortunately, my experience left me feeling ignored and unsupported.
Reply from National Fidelity Financial2026-06-08
Thank you for taking the time to share this thoughtful update, Rachel. We truly appreciate you giving us the opportunity to reconnect and work through the situation with you.
We’re glad to hear that after speaking with Steven and reviewing everything in detail, we were able to reach a resolution that met your expectations. It means a lot to know you felt heard and that the outcome helped restore your confidence.
We’re sorry for the frustration you experienced along the way, and we truly appreciate your patience as we worked to make things right. We remain committed to providing you with the level of communication, support, and care you deserve moving forward.
— The National Fidelity Financial Team
Randy did an excellent job explaining how I am able to pay off my debt in a shorter time period than I had previously thought that matched my budget.
Reply from National Fidelity Financial2026-06-03
Thank you for sharing your experience! We’re glad to hear Randy helped you find a solution that fits your budget and gives you a more efficient path forward. Providing clear guidance that makes a real difference is exactly what we aim for.
— The National Fidelity Financial Team
Thank you for your feedback! We’re glad to hear you had a good experience with our team and appreciate you taking the time to share it.
— The National Fidelity Financial Team
Great communication and answered all my questions. Recommend them to everyone
Reply from National Fidelity Financial2026-06-01
Thank you for your recommendation! We’re glad to hear you received clear communication and felt all your questions were addressed. Providing that level of support is always our goal, and we truly appreciate you sharing your experience.
— The National Fidelity Financial Team
I am blind and I have trouble getting forms filled out on the computer. . Jacob was so helpful and patient with meI am thankful that there are people like Jacob to help me. He was courteous, patient,and walked me through step by step.p..
Reply from National Fidelity Financial2026-06-01
Thank you for sharing your experience with us. We’re truly grateful you felt supported, and it’s wonderful to hear that Jacob provided the patience, care, and step‑by‑step guidance you needed. Making sure every client feels comfortable and assisted—especially when navigating challenges—is very important to us. We appreciate your kind words and are honored to be here for you.
— The National Fidelity Financial Team
C
Charles · 6 reviews · Verified · Experienced 2026-05-28 ·
★★★★★
Brandon was very patient answering all…
Brandon was very patient answering all my questions going into detail to make sure I understood everything
Reply from National Fidelity Financial2026-05-29
Thank you for sharing your experience! We’re glad to hear Brandon took the time to answer your questions thoroughly and made sure you felt confident every step of the way. Providing that level of patience and clarity is something we truly value.
— The National Fidelity Financial Team
He explained everything so well period very kind, polite. Excellent customer service skills. I've never had anyone explain anything so well. And help me with my problem. I am so grateful for this company and look forward to doing many years of business with you. Thank you
Reply from National Fidelity Financial2026-05-27
Thank you for sharing such a thoughtful and heartfelt review. We’re truly grateful for your kind words and so glad you felt fully supported and understood throughout the conversation. Providing clear explanations with kindness and professionalism is exactly what we strive for, and it means so much to know it made a difference for you. We look forward to continuing to support you along the way.
— The National Fidelity Financial Team
Thank you for your feedback! We’re glad to hear you received excellent customer service and had a positive experience with our team. We truly appreciate you taking the time to share.
— The National Fidelity Financial Team
Jacob was great explained everything so I could understand what was going to happen.
Would give Jacob a 10 rating he was great.
Patricia Marano
Reply from National Fidelity Financial2026-05-27
Thank you for sharing your experience, Patricia! We’re so glad to hear Jacob took the time to explain everything clearly and made you feel comfortable with what to expect. It means a lot to know he made such a strong impression — we’ll be sure to pass along your kind words and “10 rating.”
— The National Fidelity Financial Team
K
Kim · 2 reviews · Verified · Experienced 2026-05-09 ·
★★★★★
Representative was professional and…
Representative was professional and personable at the same time which made the experience pleasant and easy to handle what is or could be a daunting experience.
Reply from National Fidelity Financial2026-05-27
Thank you for your feedback! We’re glad to hear your representative made the experience feel more comfortable and easy to navigate. We understand how overwhelming this process can be, and we’re committed to continuing to support you every step of the way.
— The National Fidelity Financial Team
Thank you for sharing your experience! We’re glad to hear the process felt fast, easy, and convenient right from your phone. Making things simple and accessible is exactly what we aim to deliver.
— The National Fidelity Financial Team
Thank you for your kind words! We’re glad to hear everything was explained clearly and that you had a helpful experience. We appreciate you taking the time to share your feedback.
— The National Fidelity Financial Team
D
Diego Alzate · 1 review · Experienced 2026-05-21 ·
★★★★★
A Nightmare Disguised as a Solution: Do Not Trust Them
I signed a contract with National Fidelity Financial on April 17, 2025, to resolve my financial issues with Capital One, Petal, Apple Card, Bank of America, and JPMCB Card, as I was unable to pay them.
The initial sales advisor promised me that my financial problems would be solved within 6 months at the latest. He assured me that they would pay the banks directly and that I only had to pay Fidelity a fixed monthly installment for 45 months. However, he never warned me that the banks would start writing and calling me directly.
That is when my life turned into a living hell. I began receiving collection calls from the banks morning, noon, and night, every single day, including Sundays. I receive letters from them almost daily. As I write this review, I cannot even answer my phone because it is constantly the banks trying to collect the debt. When I reached out to Fidelity Financial about this issue on May 16, 2025, a customer service representative simply sent me an email stating that this was "normal" and told me not to worry. That was the extent of their solution.
Later, on March 3, 2026, I received an email from their Legal Negotiator stating: "I have a settlement offer for you." He was asking for more money to reach a settlement. I replied in astonishment, asking what kind of offer he was talking about, since all costs and the 45 fixed monthly payments had already been strictly agreed upon when I signed the contract. What he really wanted was to extract more money from me, claiming it was a "limited-time offer" and even daring to set a deadline to receive this extra money that was never stipulated in our contract.
And that is not even the worst part. In March 2026, I received a summons from the TRIAL COURT MASSACHUSETTS DISTRICT COURT DEPARTMENT because JPMorgan Chase Bank has sued me for the money I owe them. Fidelity Financial is fully aware of this because I forwarded them the information, but they have done absolutely nothing to solve the problem. Thanks to their complete negligence, this has escalated into a legal issue, and I am now being taken to court.
Today, more than a year has passed. Out of the 7 credit cards that should have already been negotiated, they have only settled with Capital One. They have done absolutely nothing regarding the rest of the cards—a fact that can be easily verified on their own platform. I am desperate and distressed because they do nothing and still have the audacity to demand more money than what was agreed upon.
If National Fidelity Financial does not take immediate action to resolve this situation and handle the lawsuit caused by their negligence, I will take formal legal action. I will not hesitate to file official complaints with the Massachusetts Attorney General's Office, the Massachusetts Division of Banks, the Consumer Financial Protection Bureau (CFPB), and the Federal Trade Commission (FTC). This is my final warning before having your deceptive practices thoroughly investigated by both state and federal authorities. I strongly invite anyone reading this to look at the positive reviews of National Fidelity Financial with a highly critical eye.
Diego Alzate
Reply from National Fidelity Financial2026-05-27
Diego, we’re very sorry to hear how stressful this situation has been for you. We understand how overwhelming ongoing creditor contact and legal matters can feel, and we take your concerns seriously.
We do want to clarify a few important details about how the process works. National Fidelity Financial is a debt relief program, and our commitment is to provide clear, transparent guidance so clients can make informed decisions. We do not use deceptive practices, and we strive to ensure expectations are communicated as accurately as possible.
Debt resolution is not immediate and can vary based on creditor behavior, account status, and the availability of funds. While we work to structure plans around a consistent monthly payment, that amount is an estimate based on projected timelines, not a guaranteed cap—especially when an account progresses toward litigation.
In your case, a settlement opportunity was presented through the creditor’s legal representation prior to further escalation. These types of offers are time-sensitive and set by the creditor or their attorneys, often with firm deadlines. Because of the stage the account had reached, resolving it at that time required additional funds beyond the standard monthly accumulation. The request for those funds was directly tied to that opportunity and its deadline, as an effort to resolve the account before legal action progressed further.
We have also made multiple attempts to reach you by phone, email, and voicemail to review your situation and provide assistance. We genuinely want to work with you toward a resolution.
Please contact us directly at 888-703-5495 or [email protected] so we can go over your account in detail and discuss the best path forward.
— The National Fidelity Financial Team
Thank you for your feedback! We’re glad to hear you had a positive experience with our service, team, and payment plan. Providing support that’s both effective and manageable is always our goal.
— The National Fidelity Financial Team
To end our relationship. It ended when you asked me for my entire s/s number instead of just the last 4-digits…I’m
Reply from National Fidelity Financial2026-05-20
We’re sorry to hear that you felt uncomfortable during the process. We completely understand that providing personal information is a serious decision, and your caution is valid.
To clarify, collecting a full Social Security number is a standard and necessary part of enrolling in a debt relief program. It is required to accurately review accounts, verify identity, and work with creditors on your behalf. This information is handled securely and in line with industry standards and compliance requirements.
We respect your decision not to move forward and appreciate the opportunity we had to speak with you. If you have any questions or would like additional clarification in the future, our team is always here to help.
— The National Fidelity Financial Team
Mr. Villanueva was very clear, friendly and very professional, he knows what he is doing.
Reply from National Fidelity Financial2026-05-21
Thank you for sharing your experience! We’re glad to hear Mike provided clear communication along with a friendly and professional approach. It means a lot to know you felt confident in his guidance.
— The National Fidelity Financial Team
Thank you for your feedback! We’re glad to hear our team delivered both quick service and strong support. We appreciate you taking the time to share your experience.
— The National Fidelity Financial Team
J
Jeff · 1 review · Experienced 2026-05-20 ·
★★★★★
Joe P was very helpful
Joe P was very helpful. Explained the program well and was not pushy. Loved it
Reply from National Fidelity Financial2026-05-21
Thank you for sharing your experience! We’re glad to hear Joe provided clear, pressure‑free guidance and made you feel comfortable throughout the process. That approach is exactly what we strive for with every client.
— The National Fidelity Financial Team
Jeffery Higgins was the person I spoke with initially. A big bonus- he spoke clearly, concise in his explanation of the program and was patient when I needed to get info that he needed. He was courteous and knowledgeable of the program.
Reply from National Fidelity Financial2026-05-21
Thank you for sharing your experience! We’re glad to hear Jeffery provided clear, concise guidance while remaining patient and professional throughout your conversation. Taking the time to ensure everything is understood and handled with care is exactly the level of service we strive to deliver.
— The National Fidelity Financial Team
The service extremely nice like wow!
We need more people like that, that are extremely intelligent and kind.
Reply from National Fidelity Financial2026-05-21
Thank you for sharing this! We’re so glad to hear the experience stood out to you. Providing both knowledge and genuine kindness is exactly what we strive for, and it means a lot to know our team made such a strong impression.
— The National Fidelity Financial Team
