Elanfinancialservices Reviews 

Wait times of an hour on the phone, known by the company, not addressed. Ridiculous policies, even in the eyes of professionals of other financial institutions that have had to deal with them on my behalf.

ABSOLUTELY THE WORST CREDIT CARD COMPANY EVER!!!! I WOULD RATHER GO HUNGRY AND HOMELESS BEFORE USING AN ELAN CREDIT CARD EVER AGAIN!!

Trust me. You do not want to do business with these people. I had their Fidelity credit card. Someone fraudulently charged 110.13 on my card. I went around and around with them. They put the charge on my account and took it off three times. Finally, after with their fraud department, they took it off again. A month later the charge is back on. I canceled the card paid them. They’re lousy $110.13

YOU do not want to do business with these people!!!

The worst credit card ever. I paid off my card in full and had a credit on my account when the due date came and they still charged me interest. They are the worst. I would recommend everyone ending their agreement with them. I was with them 20 years and their service is trash now. Customer service reps and supervisors are really mean. I spoke to a heartless supervisor name Bre who doesn't give out her full name. She should not be in management. Her attitude was the worst ever.

We have had a Fidelity card serviced by Elan for many years. Last weekend my husband lost his card. We called customer service and reported it and asked for new cards. They said it would take 10 days regular mail. We have most of our monthly payments for various services, insurance, etc. on this card so we asked if they could express mail them and they said yes they would arrive in 2-3 days. They never came and when we called again they said Oh we just sent them regular mail which takes 10 days.

Was approved for a card. When i received the card they said this account needs attention. When we provided them with the information they requested we were unable to reach ANYONE. on hold for 40 min to an hour with no answer. Still unable to use the cards and now its clogging up our credit report and cannot get anything else for our trip may have to cancel our vacation

NEVER take a balance transfer offer from Elan; they charge you interest on your purchases even when you meet your minimum payment obligation and purchase obligation. Essentially, you will pay a balance transfer fee and if you don't pay off the statement balance in full the very next month, you will be charged interest on every purchase until that balance is paid off. To my knowledge, no other bank operates in this way.

Pepper the agent is TERRIBLE. Obstinate and incompetent. Elan makes you do a travel notice, then blocks the card anyway.

How can you have customers waiting for over 30 minutes to talk to a representative in 2025. Outrageous

IF YOU GET A CREDIT CARD AND YOU HAVE TO MAKE A CHECK TO ELAN, THEY MAY CUT YOUR CREDIT LIMIT AT ANY TIME. EVEN IF THEY SAID YOU WERE ALLOWED X AMOUNT OF CREDIT. TOTAL SCAMMERS. AVOID DOING BUSINESS WITH THESE SCAMMERS. AGAIN IF YOU HAVE A CREDIT CARD, AND HAVE TO PAY ELAN, CANCEL THE CARD AND GO WITH SOMEONE TRUSTWORTY.....

I have filed a dispute with ELAN concerning the $23,000 I paid to a company, which misrepresented the facts after I made the payment. ELAN's refusal to honor my request for reimbursement is unacceptable, and as a result, I am compelled to pursue legal action against them to recover my funds.

I have had a really bad experience with their customer service honoring the offer they sent me via email. I was told to apply for the card and upon receipt the offer would be active. after multiple calls with Kathy, Tiffany and other supervisors i was told the offer request was approved, but not in my account yet??? This is really unbelievable. They sent me the offer. I was also told that there was no one else i could speak with and I would just have to wait. Tiffany was rude and kept muting me an coming back to ask if i was finished talking, i have the recording. I have been invested with Fidelity for 20 years. I have enjoyed every moment until now and i expect someone to get back to me so we can discuss this. My next call will be to the State of Fla. This is really getting sketchy and i don't like the way they are treating me. I am retired and I don't deserve this at all.

PS i did this and did not accept the other BT offers, so I have now paid over 150 dollars in interest i would not have had to pay if things had gone as your rep told me the day I applied. Super disappointed right now.

I spoke with U.S. Bank (Elan Financial Services), regarding a fraudulent $98 charge on my Fidelity rewards credit card that is serviced through U.S. bank. I sent in documents but accidentally left out key details above that would have approved my dispute, so my claim was not approved. And to add insult to injury, the merchant lied and said I received a service, I never received a service because I cancelled the appointment for my safety and health concerns above that they did not respond to. As I saw the temporary $98 credit removed from my account on 8/6/25, I quickly appealed the claim. During the appeal process, someone at U.S Banks Elan Financial Services was supposed to call me with 24 hours of the, but no one called me today 8/7/25. So I called U.S Banks Elan Financial Services at 3:08 PM today (8/7) and representative told me the case manager called me twice, but I have no missed calls and I was unable to have the discussion to successfully appeal my case. I have the same number for 14 years, and I my phone accepts all calls even spam calls. So U.S Banks's Elan Financial Services is unethical about lying about calling me, I do not feel protected as a consumer as I was never given a change to go through the appeal process and add more details on my claim for my dispute case CASE ID: D250708002621. I do not feel protected as a consumer, U.S. Banks Elan Financial Services, and has not protected my rights against the fraudulent $98 charge and they have not protected my rights as a consumer, they claim to have a 100% no-liability fraud policy in place, but they have allowed me to be scammed and have not rightfully returned my money to me. I have supporting documentation attached.

I have to call them at least twice a week over legit charges they declined. After the decline one, THEY lock the card. Calling them is a marathon- get a drink and a big snack. I've been on hold now for 37 minutes. No human in sight. I called last week about the same darn issue and I said I wanted to cancel the card. The rep said I couldn't ! She said the systems were not connected to the bank. ?? Excuse me? She said in order to cancel the card, I had to call back at some unspecified time in the future. Having to call them IS the reason I am canceling the card- if they ever get on the line. Rookie, B team, rude, inept, and they hung up on me again, after telling me that they do not HAVE a fraud alert on the card and don't know why it was locked. So again, I couldn't do their survey. There are a lot of good quality cards out there with pleasant reps and logical systems. Oh, I still could not cancel my card with the rep on the phone. I give up.

I made an error while making an online bill payment and added an extra zero to the payment amount. Elan reversed the payment twice, argued with me about it, and then acknowledged the error. It's now been over a week, and I'm still carrying a $40k+ balance, making my card unusable, even though I was assured the issue would be fixed four days ago. Automated payments are bouncing; I cannot use the card while on vacation, and the list goes on. There is absolutely zero customer service from Elan. I am just waiting for the balance to return to normal so I can cancel this account and be done with them.

Really disappointed with Elan charging me 41.00 late fee even though I made two large payments within the same month. I will be requesting account to be closed. I am recovering from a fall and paying late is not a habit.

I just received yet another credit decrease notice from ELAN Financial Services, although the same practices by their cardholder (me) have still been exercised. Much higher monthly payments than the minimum required. No further purchases made (which goes even further than my last complaint in June 2024). Yet I just lost 8 points on my credit report because of their latest decision, which they based on "other account balances" and "how many other accounts that I have open," most of which have a zero balance and have for quite some time. To my current and fellow customers, pay your balances off and close your account as quickly as possible, and for those who may be considering this institution for your purchases...DON'T!

I spoke twice with customer service and asked for a late fee reversal because I was traveling and my payment did not go through on the 15th and when I realized it on the 27th I made it immediately. They still haven’t process my payment and put a hold on my card even though I have been an outstanding and reliable customer since 2015. I asked nicely to reverse the 39.00 and they refused. They don’t care about customer retention or life and or technical issues that interfere with payments. It’s obvious I’m an excellent customer but they don’t seem to care. I will pay off my balance then close the card. Unfortunately this did not have to happen over $39.00 with a lack of communication and compassion for their customers. We all have life and we all pay way too much for fees and interest. There are amazing credit card companies willing to meet their clients on a personal level. Shame on you Elan financial for not showing a human side to your clientele.

"Zero fraud liability"—that's a joke. Try six weeks of back-and-forth phone calls and letters, still with no end in sight. After years of using the Fidelity Visa, I am forced to consider discontinuing the card due to Elan's terrible service.

There is a reason the ratings are so low with this BS company. Just because I changed the institution I pay this card with, they put a 7 day hold on my account....even though they accepted the first payment from my new institution, the second is being held for 7 days. What a bunch of BS!......of course, there is nothing they can do to override this and I have to wait with employees in the field trying to use the card and it being declined even though my dashboard tells me I have plenty of available credit.......horrible, horrible, horrible