National Fidelity Financial Avis 

Randy Brako was knowledgeable and walked me through the entire process. So happy I was able to talk to him regarding my issues. We developed a solution and it was a pleasure talking to him.

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.

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.

Service was good

Great communication and answered all my questions. Recommend them to everyone

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..

Brandon was very patient answering all my questions going into detail to make sure I understood everything

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

Excellent coustomer service

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

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.

The out service, staff, as well as payment plan.

Very helpful thanks explained everything great

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

Easy fast, funding all on cell phone.

Mr. Villanueva was very clear, friendly and very professional, he knows what he is doing.

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.

The service extremely nice like wow!
We need more people like that, that are extremely intelligent and kind.

Joe P was very helpful. Explained the program well and was not pushy. Loved it