ElanfinancialservicesReviews of elanfinancialservices.com

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