Negotiations Department

Check Negotiations Department reviews to see if it is legit.

Cindy – Jan 02, 2021

Received this letter, thought it was strange but I have called them. Waiting on call back from 616 area code. Glad I google this and read these reviews. Thanks everyone for the warning. I have received settlements before on other accounts, usually they are from lawyers. Encourage everyone to fill those out and send them in. My last check was 89.00 from airbag recall.

Jodi – Dec 24, 2020

Recieved this letter smelled scam right away. No name on the letter just a phone number to call. Must think we are stupid.

Alisha – Dec 03, 2020

Got a letter in the mail claiming I would acrue debt if I didn’t use their service to consolidate my credit card debt.

I don’t even have a credit card.

They use the names of American Express, Discover, Capital One and others.

Richard – Nov 28, 2020

Letter received from “Negotiations Department” (no company name). Letter stating they settled accounts with: Bank of America, Citibank, JP Morgan Chase, Wells Fargo, American Express, Capitol One, Discover, HSBC, Target, GE Money. If I do not respond within 10 days minimum monthly payment will accrue interest on unsecured balances at an unreasonable rate. Reference number to use when calling. Everything about this screamed “SCAM.” Glad I found this site so I could add my complaint.

Sarah – Nov 11, 2020

I got a letter November 9, 2020
So I called them to see what this letter was all about since the heading was Negotiation Department. I just wanted to know how did the get this information because I don’t even have a American Express card. that was one red flag. so he was saying that they could cut my Creditors Balances in half on this program terms from 12-36 months. so I told him I have not even eaten breakfast yet and I would call him back so he gave me his personal number I guess 480-542-0108. so after breakfast I did my research to find out that this is nothing but a scam. So people please be aware and guard yourself because they are out to rob you of you money.

Jill – Nov 10, 2020

Scammer’s phone 800 913-6689

Scammer’s website None listed

Scammer’s address None listed

Scammer’s email None listed

Country United States

Type of a scam Debt Collections

Initial means of contact Postal mail

Letter listed 12 bank & credit card companies that sender claimed his company had purchased uncollected debts from. “You maybe entitled to a settlement of your outstanding debt.”
Included a “failure to respond” warning.

Red flags:
1) No company listed at top or bottom of letter,
2) No SPECIFIC DEBT, card number, amount outstanding or settlement amount listed,
3) The phone number is not affiliated with any company or person and
4) I haven’t had any of these cards in the last 20 years.

Catherine – Nov 17, 2020

I got this same letter today! It is definitely a scam! Glad I googled this.

Devin – Nov 13, 2020

Thank you so much for your advise. I received the same letter. I was close to call them but to pretty to be real. Thank you for the information. You save my time.

Ruth – Oct 20, 2020

Scammer’s phone 1-888-253-2026

Scammer’s website None

Scammer’s address None

Scammer’s email None

Country United States

Type of a scam Bank/Credit Card Company Imposter Scam

Initial means of contact Postal mail

I received a letter today, 10/20/20 saying a court settlement was made concerning Bank of America, Discover, Capital One, America Express & Wells Fargo and my credit cards could be greatly reduced. I assume this is a scam and wanted to report it. I know many people will call these thieves and I hope to stop that from happening. I took a picture of the letter I received but it wouldn’t accept and did not download it.
Thank you

Joe – Oct 14, 2020

Scammer’s phone 8883810958

Country United States

Type of a scam Advance Fee Loan

Initial means of contact Not applicable


Kathleen – Sep 23, 2020

Phone: 888-381-0951
Negotiations Department: no company name or address
United States
Received via: US Mail
Date: 9-16-2020
Got the same letter in the mail to respond within 10 days. With the words bolded “Failure to Respond” will result in interest accruing at an unreasonable rate. My accounts are in good standing. Consumers beware!

Jillian – Sep 16, 2020

Wow, these scammers are getting good aren’t they? Don’t fall for it people!

Received the same letter as everyone has mentioned. No return address. No mention of any balances on any accounts. Just a blanket letter telling me to respond within 10 days at 888-381-0949 regarding the adjustments of my credit accounts.

My balances are in good standing, always have been, always will be. I currently work for one of these credit card companies. I know the tricks that these people are trying to play. This is no different than the robocalls…

Stay vigilant!

Mark – Sep 10, 2020

Victim Location 98665

Type of a scam Credit Repair/Debt Relief

The letter appears to be a threatening collections letter on one hand, saying I need to reply within 10 days then a "potential…OFFER" for credit card debt help, but the small print says you have to call to opt out and you have to call to talk to a rep to see if you qualify. Small print also says: We are not a lender, creditor, or collector. Program fees are separate and not included in balance example.

The middle of the letter says:

**Failure to Respond**

Failure to respond and making your minimum payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate (in addition, penalties may accrue in the event of unpaid obligations).

In order to determine the feasibility of an adjustment to your outstanding balances it is important for you to contact our firm @ "number listed" within 10 days of receiving this notice to avoid unnecessary delays in processing your request.

Jesus – Sep 02, 2020

Credit Settlement
Letter arrived in the mail with no return address or clear designated company. It only provided estimate of the information and payoff which I don’t have much. You have two 888 numbers that is not listed to any company and a “spanish number, and notice number”. Please be aware donot give out any personal information this is a scam.
Be bless and safe .. some of us are going through even if we are not that doesn’t give anyone to take from us what we have worked so hard for. We are truly blessed, just to be a living and now someone wants to scams Us no way! I’m praying don’t nobody gets scammed from these people…

Kristopher – Aug 26, 2020


I also received a letter stating I had $35k in ” Creditor Balances” which is rather odd since I have ONE credit card that when used I pay off each month, no auto loan or mortgage payments, etc! States I have 10 days to respond. Third paragraph states ” Failure to respond and making your minimum payment will most likely result in interest accruing on your unsecured credit balances at an unreasonable rate. (In addition, penalties may accrue in the event of unpaid obligations.)”

Letter never states as to whom the sender is except ” Negotiations Department” with no address nor ” the firm” which the letter states to contact at 888.381.0951.

FRAUDULENT LETTER and I hope a law firm discovers this disgusting scam at a time when so many families are struggling and who knows how many actually believed such non-sense such as foreign nationals or elderly,etc. I hope not many fall prey to such a trap to gain sensitive information for obviously bad intentions.

Atlanta, Georgia

Grant – Aug 18, 2020

I *67 my cell before I called and they report that they are a debt reduction company and that they will negotiate down your high end credit cards/accounts to around half and then set up payment plans for you through them to pay the remaining. I do not have any debts no where near where they claimed i was reportedly at and I do not have any credit cards. They claim that they do not get your name from mortgages, auto loans or medical bills. I told them they got a bad lead since they weren’t even able to tell me how they computed the amount shown in the letter from their “negotiations department”…

Lindsay – Aug 11, 2020

Victim Location 61637

Type of a scam Debt Collections

received letter in mail, no company name,address or website. only a phone number saying to contact them within 10 days, and a failure to respond will cause unnecessary delays and penalties. We are current with our debts and have not looked into debt consolidation. Seems to be a phishing letter or a straight out scam

Keith – Aug 03, 2020

Learned something new today. I received the same letter, and I knew it was fraudulent. However, I was curious about the stamp, because that is a good indicator of junk mail. Taking a good look at the stamp shows presorted standard. Here is a Reddit thread on the topic. “Any mail that is sorted by mailers or a mail sorting company must say presort or presorted. Most junk mail will say “standard” and not “first class”. First class presorted mail has contents that are mostly unique to the receiver such as bills and account statements. Standard mail the contents are usually or are supposed to be identical to all receivers. If it says “presort first class” open it. If it says “presort standard” probably safe to toss.”

Clayton – Jul 29, 2020

Also received “Scam Letter” as noted on the aforementioned reports.
Details of the letter are much the same, with the exception being the following contact numbers:
Contact Phone 800 763 9138 Se Habla Espanol 888 381 0946

Curtis – Jul 29, 2020

Scammer’s phone 8446104274

Country United States

Type of a scam Advance Fee Loan

Initial means of contact Not applicable

I received a letter this is a scam

Candace – Jul 29, 2020

I rec’d letter from Negotiations Department contact 1-888-385-8671 wanting to settle. I don’t HAVE accounts with any of the mention Ref. They had the nerve to **Failure to Respond**. This is SCAM. “Please contact our offices at 888-611-3936 within 10 days of receiving notice regarding the adjustment of your credit accounts. This is our second attempt to contact you. Our firm recently settled accounts with Bank of America, Citibank, JP Morgan chase, Wells, Fargo, American Express, Capital One, Discover, HBC, Target, GE Money. If you have any accounts with these or other Lenders, you may be entitled to a settlement of your outstanding bwalance. Failure to respond and making minimum monthly payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate. In addition, penalties may accrue in the event of unpaid obligations…

Benjamin – Jul 20, 2020

I just received this in the mail as well. I too almost called because I HAD an auto loan through one of the banks listed however, that loan was paid off over a year ago. The numbers listed on mine were the following: 888-381-0949 and 888-381-0956. Mine pretty much said the same as all of the ones listed above. I did not respond and knowing my mother also has accounts with the same bank listed and letting her know. Mine however doesn’t have any sort of business address listed. I am also going to post this on my facebook to let others be aware of the scam.


Phone: +1 (888) 381-0949


  1. Got the same letter. Knew is wasn’t legit but still checked it out. I knew better not to call but check the internet instead. Glad I did.

  2. We recieved the same letter. The only think almost creditable was the amout, as we have one card with no interest that has a similar amount on the “program estimate”

  3. She named herself Elizabeth from advocate debt relief trying to settle my debt. Does not seem legit.

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