Elanfinancialservices Reviews 

Had an issue with a purchase made at Home Depot. Bought top-of-the-line replacement closet doors which were delivered with a cheap, mismatched track and channel instead of the ones that were supposed to come with it. The channel was so cheap it warped during installation. The installer said to call Home Depot and they would make it right. They attempted to charge me $260 extra for the correct materials and a fee to reinstall them. They finally walked back that outrageous stance but proceeded to ghost me after admitting their mistake. Tried to get the $260 value of the materials back (doors were about $900, original install $300) from Fidelity Visa backed by Elan. Filed an online claim under the customary 90-day window with detailed documentation, then talked to two excellent Elan representatives to validate and provide additional details and then mailed in a hard copy again explaining the situation, again with details of the purchase. Elan denied the claim soon after that, stating I would need to return the doors to the point of purchase. Now it's after the return window at Home Depot and it would be extremely impractical to remove and return these in person even if it weren't. Obviously, the evaluator assigned to this case failed to understand this and why I was relying on Elan to go after a huge company that doesn't seem to care about their customers. The person I talked to for an explanation of the decision was curt and not very courteous. Cancelled the card after many years of great service. Will get a new card elsewhere and transfer a substantial investment account from Fidelity to someone else.

This is the worst credit card company I have ever dealt with or even heard of. I paid my card bill on time but for two months I only paid 50% of the total amount each time. Twice my employee went to refuel the car, and the card was declined. I called them, and they told me they had canceled my card without any prior notice—because, according to them, I hadn't paid the full balance. Can you believe it? This caused me a massive headache. I do not recommend them to anyone.

Asked if they could change my name presentation on my card (not a legal name change, just initialing my first name). A rep said ok, and submitted a request on my behalf. Received call asking me to call back because "more information needed". I called. They wanted paperwork proving the name change. No other credit card company required that from me, and no bills other than credit card bills would suffice. I asked them to cancel the request. They said ok. Next thing I know I can't log in. Cust Serv said my card was in "closure status" with a "restriction" and to call "Authentication Dept". On hold twice for more than 1/2 hr each time. Finally got someone who said my acct was "under review" and I'd receive a call in 48 hours. Huh? I asked for a supervisor. The supervisor said my card was closed because I didn't respond with "documents". That they sent a letter, but the letter wasn't accessible since I was out of town extensively due to a family member death. Why didn't they just keep everything the same, and if no documents received after 30 or 60 or 90 days, just cancel the name change request and send a letter accordingly, without closing my card for no reason and messing with my life due to failed card transactions causing penalties, late fees, interest charges, and more damage?!? I would never touch this company again for any reason with a 1,000 foot pole!

I’ve only had the card for 3 days. My card has been put up for fraud so many times they can’t even verify me. I have yet to leave a single store with anything. The fraud department quite literally doesn’t believe it’s me. Mind you… they have all of my information!

credit cards through Elan financial services beware of incentive charging schemes offering 0% on large purchases or balance transfers. Regular purchases even if you make high payments hardly get any of the payments applied until you pay off the credit card incentive offering first. when you do you will see interest charges for a month or two. to get around this I keep an overpayment of at least 500 on the card the bank uses and pay in full by the due date what i can figure is do to leave a credit balance at all times. their on line statements make it difficult to see how you payments are being applied along with no way to see a running balance until statements come out. Never have I been so frustrated with a card or their customer service. they keep referring to the agreement signed. Complaint to bank get referred back to credit card.

As with all the other one-star reviewers, this company uses unconscionable business practices and provides terrible service. We cannot find the full account number anywhere on their website, despite following the steps as listed in their FAQ. If you don’t have the full account number, you will be shuffled from person to person who all ask for the full account number. This company should be ashamed.

This company is a joke
I had a secured card for $400 and apparently they’re so desperate for our money. It takes THEM 1 to 2 billing cycles just to return my $400. What a joke.

Owned by the Kapoor family
Typical
Do not do business with these people
Basically, a guy in his basement taking your money and your private information
SKETCHIEST PLACE EVER👎🏽👎🏽🖕🏿🖕🏿

Run Away!! They’ve somehow made it almost impossible to pay your statements. 0 Stars!!

NO ONE ANSWERS THE PHONE! EVER! DOES ANYONE REALLY WORK THERE? ON HOLD ONE HOUR. ON HOLD TWO HOURS. CREDIT CARD HAS MAJOR ISSUES. CLOSED ON ME. DID NOT REQUEST CLOSURE. SOMEONE NEEDS TO PICK UP THE DAMN PHONE. I HAVE THE HOLD MUSIC MEMORIZED. LESS THAN ONE STAR

Terrible and unethical practices. One being payments after 7pm on due date post next day and they charge you late fee and interest on late fee .Purely evil leadership at Elan and US Bank .So sad !

Fraudulently opened an account and no help with identity theft issue

Worst customer service I've ever spoke with, spoke over me, told me they were charging me a fee for something they caused, and a SUPERVISOR hung up on me after speaking down to me. Fidelity needs to get rid of this trash company.

False "Fraud alerts" make the card unusable. Account gets locked every time I try and make a legit purchase. I had to call them everyday to unlock the card. When I had enough and asked to settle the balance and close the card they gave me the wrong amount, which I paid in full. 3 months later they sent me an additional amount which I didn't know about to collections, this has ruined my credit and my life. I was searching for houses but am unable to obtain a mortgage now.

Customer service is a joke. I am unable to reach any representatives. They shut down my card for no apparent reason and I am unable to activate it. I'm very disappointed. They are not worth your time.

Parallel to a slew of other complaints, the dispute department is not on the customer's side, even with concrete supporting documentation to back a claim. I highly suspect the reps don't even look at the evidence and have a snarky crusty attitude. Won't keep these two cards.

Worst credit card to use living internationally. I literally have to call customer service every time I want to make an online purchase because of their Visa verify process that only attaches to a US number. Makes life impossible. Repeating another review of "Pepper" who blocked my card instead of opening it for a 24 hour window for use.

The dispute department does NOTHING to resolve blatantly false charges.They send a form letter saying you've lost dispute n they'll send documentation as to why if requested. Requested!!! Yes send!!! They NEVER DO!!! They say they'll call back in 24-48 hours but dont. Then they say they meant 24-48 "BUSINESS" hours, or 8 days. What BS!!! Ive had 3 disputes over the last few years and got screwed on 2. I wish Id pressed it further. One was my mistake. But I figured out that puzzel with no help from their lame dispute dept. Im looking for another CC card. I spend at least 15k on my card per month. They'er no longer getting my business. They are crooks.

Absolute WORST most INCOMPETENT credit card issuer on Planet Earth. Despite providing documented evidence that I never received ANYTHING for a $90 charge, these "geniuses" rebilled my credit card so I closed the account immediately and plan to take legal action of these clowns damage my credit in ANY way(s) or try to collect even ONE PENNY from me.

I have been holding a master card that was sold about ten times Since 1979.
it was Peoples bank when it was good.
Now, the card does NOT protect you. Their dispute process is a joke and most ALWAYS favors the merchant.
Recently, I sent an item back and had proof with the postage receipt. The merchant claimed they never received it. I even had proof they received it.
The item was still charged BACK to my credit card.
Hello, remember me, I am the guy holding this card for FOUR decades. This is not the first time this has happened.
The card stays in the drawer, Hello American Express.!!!!!!

Have never missed a payment in years .impeccable on payments.i like to use mail in.never received bill for Oct this year .finally came in and charged me interest and penalty.payment was paid in full .card was rejected.not fair.senoir and military. Who has credit cards not using elan financial services