At National Fidelity Financial we are dedicated to helping individuals and families rid their lives of burdensome debt. Our proven program can help reduce your stress and debt for less than you owe and in less time that you think. Get a free savings estimate to see how much you can save. Best of all, we do most of the hard work for you. Talk to BBB A+ rated National Fidelity Financial and see how much you can save. Our mission is to help you get rid of your unsecured credit card debt. We offer a successful alternative to bankruptcy, credit counseling or debt consolidation loans. Our company was founded to provide its clients with a better quality of life; a financially secure life. National Fidelity Financials’ staff is knowledgeable, customer-focused, sincere, and committed to providing our clients with reliable options with all of the information, support, and guidance that is needed to help them on the road to financial recovery and to help them acquire the money they need when its needed. No one chooses to lose control of their finances. As a small business ourselves, We understand that bad things happen to good people and that it takes loans to grow. That is why we are committed to our reputation of being a reliable debt settlement and loan company that helps establish and maintain our client’s financial future through personal/consumer loans, debt negotiation, debt settlement, and credit counseling.At National Fidelity Financial, we attribute our success to an image of trust as a reliable debt settlement and loan company. Every day, we help people just like you receive personal and consumer loans and lower interest rates to help regain control over their finances. It is our belief that in order to maintain an economically balanced lifestyle, you must address financial instability and have access to the money it takes to grow. Over the years we have helped countless individuals and businesses take back control of their financial life through unsecured personal
National Fidelity Financial (nfdebt.org) has 751 customer reviews on Five Star Index, with an average rating of 4.8 out of 5.
Also known as
nfdebt.org
Website
nfdebt.org
Category
Investments & Wealth
Location
Melbourne, Florida
Listed on Five Star Index
2026
About these reviews
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The company replied to 98% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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Brandon was very patient answering all my questions going into detail to make sure I understood everything
Response from National Fidelity FinancialMay 29, 2026
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
GC
gskystellaaol.com
He explained everything so well period…
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
Response from National Fidelity FinancialMay 27, 2026
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
OA
Olga A.
Excellent coustomer service
Excellent coustomer service
Response from National Fidelity FinancialMay 27, 2026
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
PM
Patricia M.
Jacob was great explained everything so…
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
Response from National Fidelity FinancialMay 27, 2026
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
KI
Kim
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.
Response from National Fidelity FinancialMay 27, 2026
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
CP
Carol P.
The out service
The out service, staff, as well as payment plan.
Response from National Fidelity FinancialMay 27, 2026
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
RP
Robert P.
Very helpful thanks explained…
Very helpful thanks explained everything great
Response from National Fidelity FinancialMay 27, 2026
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
DA
Diego A.
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
Response from National Fidelity FinancialMay 27, 2026
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