ElanfinancialservicesReviews of elanfinancialservices.com

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.