Elanfinancialservices Reviews 

this company has offered an Extendedpay program that RIPS YOU OFF!! Not only do they add the minimum monthly payment ON TOP OF THE AMOUNT YOU HAVE ALREADY BEEN PAYING FOR IT EACH MONTH, THEY ADD AN ADDITIONAL $8.48 PER TRANSACTION EACH MONTH UNTIL IT IS DONE. There is no way either to figure out when it will be done. We are at their mercy and they are ROBBING US. IF DOGE had not eliminated the government agency that investigates companies that do this, I would be sending this to them as they are definitely corrupt and should not be in business!!

Sudden cancellation after paying the entire balance in full. DO NOT EVERY open an account with this firm.

Worst Credit Card Company EVER. Made my usual payment on the 3rd of the month. I get a notice that I haven't paid, and they are charging me a late fee. The woman I spoke to said the payment I made didn't count because it was too early. Make this make sense. So now, my account is in the red and they won't do a thing to make it right. This is the second time they've done this to me. I cancelled my card after the "payment didn't count" conversation. I'd give them ZERO stars if I could. My advice would be to steer clear from these theives and scammers.

Large corporate account. We pay it off completely every single month and have for over 10 years. March's check got lost in the mail so they turned off our cards. We called them and paid it off over the phone that very day. Now they place a week hold on all payments, meaning our cards DO NOT WORK FOR A WEEK each month, even though we do not owe them a penny. We are leaving Elan.

0 stars, if I could. After 25 years of no late payments, they closed the account without an explanation. Won't even answer our calls, just put on hold and nobody ever picks up. This is for a business account. Customer service is horrible. Elan is owned by US Bancorp and their reviews are just as bad as EFS. I would steer clear of this company if you have the choice.

What is going on? I saw an ad for a job, and this was how they got my info. I have never had them, and then they want a credit card # claiming I gave them a bad cc. I looked them up in Saint louis and all I found was a nail salon

it seems I’m not the only one that thinks this company sucks. It just took me five years to figure it out. I should’ve known when I lost 50,000 reward points and they expired and the company cared nothing about my track record of spending. That was my fault for not being aware. So buyers beware. Over the next five years this company not once backed me on a dispute. They always favored the merchant. Their process is so difficult. I would describe it as jump through three hoops use blue ink on this page black ink on that page and you better make sure that your letter is back to them in seven days after you’ve already told them everything about the account already they want it repeated in a letter. Boo boo boo.Elan sucks!

I am writing to express my profound disappointment and to formally lodge a complaint regarding the unacceptable conduct of a customer service representative at Elan Financial Services during a call initiated today following a declined transaction.

Despite the highly competitive landscape of financial institutions, it is concerning that some entities seemingly fail to recognize the fundamental importance of exemplary customer service. My attempt to gain clarity on the reason for a declined transaction led me to contact Elan Financial Services, where I spoke with a female representative.

The representative attributed the transaction decline to an issue at the point of sale. This directly contradicted the information provided by the merchant, Home Depot, who explicitly stated that the problem originated with the card issuer and advised me to contact Elan Financial Services. The discrepancy between these explanations offered no actionable insight into the reason for the denial of a transaction using my valid credentials.

Regrettably, the service representative responded to my clarification by raising her voice and delivering a condescending lecture. This unprofessional and disrespectful tone was entirely unwarranted. My request for a more considerate approach was disregarded, as the representative chose instead to repeat the unsubstantiated claim regarding a point-of-sale malfunction.

I then highlighted the representative's demonstrable lack of courtesy and the potential negative impact of such behavior on my willingness to continue my business relationship with a clearly inadequately trained individual and an unresponsive organization. In response, the representative abruptly terminated the call, providing no further assistance.

This interaction reflects a severe deficiency in customer service standards at Elan Financial Services. The representative's inaccurate information, unprofessional demeanor, and abrupt termination of the call are unacceptable and indicative of a failure to properly train individuals in customer interaction and problem resolution. Such conduct erodes customer trust and damages the reputation of Elan Financial Services. I urge you to address this matter with the seriousness it deserves and take appropriate action to ensure that future customer interactions are handled with professionalism and respect.

Elan is the worst when it comes to customer service. I spent several hours on the phone with them today and with at least 5 different customer service reps. all but one were arrogant and non-compassionate for their customers from the start of the conversation. The website and app navigation and sign on is almost impossible. I have been unable to sign in to my account through the app or website, with both giving different problems. The app for 2 wks. has shown that it is down for site maintenance UPGRADES and the website kept saying screen name or password is incorrect even with password resets. after resetting password, it would say it was successful but then would displace a message that I needed to contact support for additional help as there was a block put on the account. I have been unable to access any account information, unable to see balances purchases or payment information. It doesn't show how much is due. I call them to fix the account so I can make payment and it don't accept payment. (site down for maintenance Upgrade). Then get hit with a $41 late fee...which I still can't see on my account. Asked for a one time complimentary reversal on that late fee since I have been unable to access my account. The lady got arrogant and said because you can't access your account is not a reason to not make payment and does not allow for a fee reversal. I have several credit cards...never late on any of them they are all in good standing except for elan...because they make it so difficult to access your account. It shouldn't be this difficult. Everyone should be able to review their account for any discrepancies, purchases, fees, balances and payments. Stay clear away from this company. I have screenshots of all the issues with the online sign in and account as well as for all the app issues. Furthermore, I tried making a complaint about the first 2 customer service reps that were arrogant, and they refuse to file a complaint. So, I will be contacting the BBB and will fast track to pay off this account and close it. I love my capital one cards and Citi cards and will never give Elan another chance. Wish I knew the last customer service rep's name. She was very helpful and after me having to deal with the not so nice reps at first, I know I wasn't a ray of sunshine when she first answered, but she kept her composure, and I appreciated her help...but no one should have had to go that far and be on the phone that long to get things somewhat taken care of. So to that rep...THANK YOU!

I have had terrible experiences with re-occurring security breaches of my Elan/Fidelity/Visa CC. I have had 4 breaches in the past 4 months. Each has been reported to Elan CS and new cards were issued only to be breached again within days of activation. Three breaches were fraudulent charges for $194.39 each to Apple. Another was to the NYT for $20. I have deleted my Elan/Fidelity CC from my Apple Pay wallet. I have a few monthly charges (Netflix, EZPass, YouTube )that have been auto-paid using my CC and each month. I have changed my CC # only to be re-hacked by a new fraudulent attempt to purchase using Apple Pay. I have lost all confidence in Elan/Fidelity/Visa to prevent, investigate and resolve these issues. No one from Elan's "Fraud Prevention" has ever contacted me or allowed me to contact them via their CS. I can't believe Fidelity allows these security breaches to continue.

This BMW credit card by elan financial services bank is a joke!! I found it difficult to setup online access from the beginning which should have been a red flag, but what really gets me is the fact that I setup auto payments and they skipped the first payment. Like, why??? Why set your customer up for failure and ruin the relationship from the beginning, not to mention a blemish on me and my credit. They said it was in the 18 million word disclosures that nobody reads, which is just spineless to say. I guess their 39 fee is how they get rich but what a disgraceful company!!! I suggest you never do business with them. I didnt even need the credit card, but thought i would add to my portfolio but i am deeply regretting ever knowing this bank!! They can have their 25k limit! Ive paid the account off and will NEVER USE THIS CARD AGAIN!!! RUN!!!!!

They would rather lose long term revenue over short term cost


Sorely lacking in customer service.

Buyer Beware: Any disputes with elan are handled via mail all the way from North Dakota with an unreasonable amount of time to respond. Customer service over the phone is dismissive and incompetent. elan has not caught up with industry practice to communicate via secure messaging.

Closed my account recently due to elan's inept customer service. Had a small dispute at the time that they initially assured would be in my favor. Customer service number was of little help between being transferred and their dismissive attitude after I explained my concerns and evidence. Ultimately I provided evidence and feedback via priority and certified mail. Never heard back from them.

I called them a few weeks later to close the account and cited this as the reason. The representative on the line made no attempt to retain my business and was very nonchalant about it. Not surprised by the shortsightedness from elan as they would prefer to lose a long term customer (long term revenue) than settle a small dispute in the short term . No thanks.

BUYER BEWARE - We have all been told to use a credit card when making purchases, especially online, so you are protected. I can tell you Elan is not going to protect you. I literally sent pictures of me returning a cellphone to the carrier within the return time frame. The cell company refused to accept the return and Elan REFUSED TO REFUND MY MONEY. I returned the phone and still did not get a refund. BUYER BEWARE. Also, I have an 800+ credit score. Do you think I ever got a rate reduction? Of course not. ELAN is a terrible company in my opinion. I will pay off this card and close my account immediately.

Applied for the signature card through Fidelity and the application was denied because there was an issue verifying something on their end. They never called me or sent me a letter informing me of this and I only found out when I called to check on the application status 3 weeks later. Called them and the first person said it would be an easy fix, then I was put on hold for an hour till i gave up. Called back on 3 separate occasions only to be put on hold for an hour each time before giving up. The absolute worst customer service I have ever seen. This issue still has yet to be resolved. Absolute garbage service and i would not recommend this company to anyone.

Horrible. Waited forever to get through to someone for 3 calls. Just gave up. Then tried again later, transferred twice, no on hold again.

Elan Financial recently took over SkyOne Federal Credit Union credit card accounts. I have never had an issue with my credit card since 2002 now Elan Financial is charging me a late fee of $29.00 when my account was paid on the due date. The credit card was paid on the due date and Elan Financial did not debit it from my account for two days after then they say the payment was late. I called Elan Financial and they would not waive the late fee and as I said I have not been late since 2002. This company Elan Financial appears to be a typical money grabbing company and no one should do business with them!

I don't understand why there are 1 star reviews at all, I give 5 stars because it is DESERVED.
I spoke with one lady and she was matter of fact about all of it, well with-in their rights, then I got disconnected and called back. Wait time was less than 2 minutes, and then I got Patricia on the line. She was as professional as the first lady and then her empathy kicked in.
Now I have never been late, never missed a payment and always pay extra to avoid interest and still I was subject to high interest on a very low amount. Patricia talked with her supervisor and they lowered the interest rate so the interest charge would be minimal. This is one of the best financial services EVER! They are in business to make money following the rules and policy they read to you up front, and yet they lowered my rate, giving away some of what they earn. UNBELIEVABLE. I recommend ELAN!!!

They hve been stealing my money from the inside and claiming tgey never got our checks. 2 so far that were sent before their bill came the first went over 10 days saying it wasn't recieved. I stopped our check. The second one was sent rgtafer I paid the monthly,and it's been over 10 days. They claimwed they didn't get yet this second check payment. I'll garantee they are holding on to it. or someone has been trying to cash it. Either way when I call there my finances are always crazy not right differnt so someone there is embezzling.

Simply a bad company to have that supposed to provide a useful financial service.When making an attempt to pay the complete balance on my card after the one year of no interest my credit score dropped near 300 points.Until then I had a great credit score now I can not get hardly anything.Naturally Elan disagrees that is what they did but there were so many disputes over time about $30.00 late charges that only they could report since anything else is in 0.00.balance.Those late charges were not warranted.It seems Elan likes to take pleasure in causing emotional anguish in people.It really is harmful to the American
People that a financial institution like this exists.For anyone else that has had to endure this type of harm I just want you to know that you have my sympathy!!!

BEWARE of this company they lie to you when you dispute fraudulent charges, they say someone will call you back and no one ever does. They will stretch a dispute out past 60 days and close your dispute stating it wasnt filed in time. Use at your own risk but guaranteed you if take the chance you will be joining the many who they screwed over. I gave them one star only because zero wasnt available!!!