ElanfinancialservicesReviews of elanfinancialservices.com

I've been with Elan 4 years. Never missed a payment. My credit card got hacked, I called them, cancelled/closed the card. They were to send a replacement in 5-10 days. It's been 16 days and still no credit card replacement. However, in a few days after I received an email saying I could activate the card. What card? That would not be a wise thing to do ( I e., activate a card I do not have in my possession)!! When I called to inquire about my card because we were getting ready to go on vacation, the Rep. was not at all sympathetic about my situation. Well, Monday is day #18. Will see what transpires then. Seriously considering canceling my business affiliation with Elan Financial.

Hadn't used this card in a while so they sent me a letter reminding me to use it or else they would close it. I charged$117.29 on the card,got my bill and accidentally paid via bill pay $11,729.00. Yes, my mistake. I called them and they said they would send me a check for the balance and I would receive the check in 10-14 days. 2 weeks later I hadn't received the check so I called again and they said I was given the wrong information and that it would take up to three more weeks for me to get my money back. Later I received a letter saying that they had put the money back in my bill pay. I assumed it was over until I got a bill showing a debit of over $11,000. I spoke with my bank and my bill pay and they needed a trace number to locate the money because they had no record of receiving it. I have contacted Elon Financial several times over the last 3 months to get that Trace number but they do not give it to me and they give me apoligies followed by a huge run around every single time. You are never allowed to speak to the same person twice which is a HUGE issue. My bank and my bill service company went through everything and they never received any money from Elan Financial even though they say they sent it and now they say I owe it to them. I just received another bill and this one says that I still owe the 11,000 plus now they've added almost $200 in interest!!! I tried contacting them twice yesterday. First supposed supervisor hung up on me, and the second one had no idea what was going on with my account. There is just no way to work with them TODAY I SENT A CERTIFIED LETTER TO THE PRESIDENT OF ELAN FINANCIAL. Peter Klukken along with a check of what I actually owe them which is about $147 total. I would say they either put the money in the wrong account or one of their employees put it in their pocket. in any case it's not my problem any longer unless they do something to my perfect credit rating then I will see them in court.

Terrible company. Worst company to deal with when going through sudden financial hardship. I will pay off my cards and never deal with them again. I am hoping to open other cards or a loan to pay them off. They have NO program in place to help anyone when you cannot pay. I work for one of the largest banks and we have better plans in place when someone is not late, or even a day late. I have had two other cards several years ago when I went thru something lower my APR's significantly to 4-6% and locked my cards until I paid the debt off. This company? NOTHING. offered to lower my 29% apr to 17.99-19.99 for 6 MONTHS. yeah a $200 bill each card when someone is on an unpaid health leave from a job is really going to work. They straight up told me they are not allowed to do anything else until 30 days late.. Well working for a bank I know 30 days late GOES ON YOUR CREDIT - I WILL NEVER DEAL W YOU AGAIN!

Absolutely horrible company. I had a Fidelity Visa that they backed that had a rewards program where 2% of my eligible purchases would be deposited into my Fidelity account. I thought it was a great way to build my credit and my IRA after an awful divorce. I paid my credit card on time, more than the minimum payment, and finally after 4 months of the account being open, I paid it in full. They then closed my account stating that they believed the account was being or would be used fraudulently. When I contacted them, they stated that while they couldn't discuss specific transactions, they did a soft pull of my credit history and determined that I was a bad credit risk and closed the account. I was not allowed to dispute the allegations, and when I requested to speak with a supervisor to file a complaint, I wasnput on hold for about 10 minutes, then told that there was a high call volume and it would take longer. I was given the opportunity to continue holding, but declined.

Would give a ZERO if I could. Do not use their services absolute awful at EVERY STEP OF THE WAY!

Horrible customer service in resolving a credit card dispute that was legitamate caused by a glitch in the financial system, never had that much difficulty in resolving disputes with other banks.

These idiots blocked my card and the authentication department put me on hold for 3 hours first time then 2.5 hours the next time and after I gave up they just canceled my card for suspicion of fraud. Worst customer service I've ever gotten in my life

I experienced an unlawful bill of $5000, which was my limit at the time. The company refused to investigate no matter what kind of proof I offered that the charge was bogus. After several months and the police and my bank reps intervening, someone said, whoops, that company that posted your bill also posted to other challenged/bogus bills. And this was their supposed security department responses. I tried to cancel my card, received a notice one month, and 6 months later received another bill (which was accurate), as I had forgotten to change credit cards with that automatic payment. I told them most companies tell the biller someone no longer has an account with them. Not Elen. It took me another 3-4 months to receive yet another letter closing my account, this time with a statement that should anyone else bill my account, it will be open. To me closed means closed. What do you think? Folks who answer the phone seem competitent and friendly, but you can't talk with anyone in a specific department or in management. Buyer beware--and prepared for lots of frustration with this company.