Elanfinancialservices Reviews 

worst service,

Absolutely Terrible customer service for their Fidelity Visa card holders. I am surprised Fidelity Investments still makes customers use them. I will not use this card when I am traveling. Charges get declined and Elans Customer service is useless at night.

We stopped using this credit card issued through Fidelity many years ago and cut up the credit cards. We are suddenly receiving a statement showing a charge of $70 which we couldn't have made as we don't even own a credit card from them. I disputed the charge on our Fidelity cash management account who reversed the payment to Elan, and now Elan is threatening to report us. We can't log on to Elan to see what this unauthorized charge might be. I called Elan on 11/8, spoke to Janie, told her we cancelled the card years ago, yet received a dunning letter dated 11/14.

I have a credit card with Elan Financial service. Please stay away from this financial company. Their reporting and Dispute both don't protect customers. They wrongfully associated a dispute case with my credit card until I pointed out the error. I reported to them a possible unauthorized charge coming so they issued a new credit card, but the new credit card still let the unauthorized charge occurred, so I had to spend my time again to investigate the case and dispute the transaction.

stay away from this company. I have my credit card with them in auto pay, I trusted them, I just reviewed my statements and the have been charging me over 1000.00 every month. the balance never goes to cero , even when auto pay it's set up to pay everything. they said it was the amount not pad wich it's pending transaction ok. I stopped using it. guess what I have a balance of over 1500 dls pending. they have no explanation of this , they keep saying it's a past due. but I haven't use the card and it's in auto pay. I'm contacting the general attorney

This is an absolute terrible financial institution that have no understanding of customer service and not great for customers that seeking financial advice or service from them. I would highly recommend staying far away from them. They will straight up not help you. Very terrible. Thought was a loyal customer until you if you accidentally miss a simple payment even though never miss payment before all the years previous but the one time you do miss a payment by accident. Oh boy, do they make sure not to help you at all. And one of the most weird way they do things too. If you make a payment on your account that you can’t use your card for 24 to 48 hours even if you are current.

Avoid this bank like the plague. I was hospitalized for 3 weeks and didn't make my min payments. Every other bank understood, this bank closed my card. I called the bank to advise them and their representative told me what to do to keep the card open. They closed it anyway, denied I spoke to anyone, called me a liar and said the person I spoke with was not in the right department. NOT MY PROBLEM. Your employee made a representation to me and you should be honoring it, not saying it's the wrong department

Horrific company that bought out my credit card company. Worst customer service I’ve ever had. Truly ridiculous. Paying off asap.

Simply put, they do not care about you as a customer. I have been a Fidelity customer for 20 years now. Absolutely no issues. I have also been a Fidelity credit card member for 15 years, I don't recall any issues there either.

Anyways, recently deposited checks into Fidelity and it took 2 weeks for them to clear causing bills to bounce back. One of them was the Fidelity CC. I explained this situation, that I've never been late on a payment in 15 years and they simply did not care. Still charging me fees. $30 here, $30 there.

They even siad when I requested a reversal "we see youve been a valuable customer and have not requested this before" blah blah. Nope, denied. I called back to get an explanation and the guy I talked to simply did not understand what was going on.

In the end closed my card. I'm moving on, this will unfortunately probably cause me to close my fidelity account since the 2 of them are tied very closely. It's a shame

Charged us interest and late fee when we sent payment 20 days before it was due. They cashed check two days after due date. When we challenged this, and asked about the postmark on our payment, they said it was two days after they, themselves actually cashed our check payment. They cancelled the late fee but still hit us with interest charge. Bunch of lying, cheating, fraudulent jerks.

Scam, told me I had insufficient funds to cash my payment which was not true, I fought it and got my fees back. A few months later now they are telling me they never received my check in the mail. Total scam, the attorney general should be contacted.

Applied for a credit card

The ID department require me to freaking fax over everything my ID and my social, screw off! I don't even have a fax. Who has a fax.

The Fed’s exchange is about 5.5%
Elan is charging me 29.24%. I have been a customer for over 25 years my credit rating is very good and they refuse to give me any break on this interest rate. This is predatory. I would advise anyone to avoid this company and use someone else.

I've been an ELAN customer for a couple of years now, which started as a balance-transfer offer from my bank of 10+ years. Payments have always been made on time and with payments above the minimum. I had built quite a credit limit with them over time and used the card, one time, to make a rather large purchase last fall. Please understand that this card was never used for purchases and was only used for balance transfers in 2/2022. I never expected what came next! Once the sole purchase was made, it brought me within $400 of my credit limit, and within a month of the purchase, ELAN sent me a letter stating that my credit score was horrible and they were immediately dropping my credit line to my remaining balance. Although quite confused by their calculations, I continued to make payments on time, and well above the minimum required. Low and behold, I just received another letter from them, making the same statements as before, and reflecting the same horrible score as last year (impossible, when compared to the major 3 bureaus) and again, reduced my credit limit to with $345 of my remaining balance and this time, reporting the decrease to the bureaus, thus decreasing my credit score! ELAN has no issue with collecting an interest rate of 24.74%, however they have now, twice, lowered a card limit w/o justification. Stay far away from this card issuer.

Webster Bank offers their customers this Elan Credit card service, so they are part of the SCAM too. Elan does not side with customers, even when you show them multiple SCAM reviews on the merchant (BEFUNKY) on trustworthy websites like (Trustpilot) who offer reviews positive and negative Elan sides with the merchant. Because Elan gets a piece of the pie (sought to speak) from their merchant services when the card is accepted by the merchant. DO NOT USE ELAN FINANCIAL CREDIT CARD SERVICES TO PURCHASE ANYTHING! YOU'VE BEEN WARNED MULTIPLE TIMES. From all these bad reviews, and there are many more bad reviews like these out there on other review websites. The only way we will stop companies like this one from operating is to stop using them, so pass this negative review and other bad reviews to all your contacts and put them on social media.

Elan treats longstanding customers with a LONG history of 100% timely payments (and long favorable history of business with multiple other Ameriprise products) as unwanted business and unlike most credit card companies will treat established customers' online request for a credit limit increase as a "hard" credit increase inquiry instead of a "soft" inquiry.
Thankfully, unlike Elan, American Express treats their customers right...

This is the worst financial institution I've ever dealt with...my new credit card was compromised within two weeks. I'm in Italy and it's impossible to contact EFS by email...The WORST

Fidelity Investments branded Visa card backed by Elan Financial Services.
I purchased a product.
It arrived damaged/defective.
I gave the company a few weeks to email and call me back to resolve the issue. They responded once and I never heard from them again.

I contact the credit card company to dispute the charge. I find it it's Elan FS. Anyway, I give them the info 3x and they never reach out to the vendor. When I call the CC company, a rep says apparently I did not give them detailed information, but they never asked for more information.
Even when I did give them more information, they charged my card without any explanation, so this is basically a debit card, not a credit card with consumer protections.

That's why my primary cards are American Express, I didn't have these types of problems with Amex.

I’ve been a customer for about 1 year. I called today to ask why I keep get MULTIPLE text alerts for the same item(day after day) I was transferred to “web services” the gal that assisted me was very rude & finally put me on hold & never returned. I called back a second time, she was just as rude and then cut me off.
I immediately paid my balance in full & will stop using their card.

This is not a recent experience it is an ongoing corrupt business practice.

With exception of a short period after i threatened to sue them if they kept assessing late fees because their on line payments are never available.

I genuinely believe they are intentionally blocking customers from making payments to assess higher fees.

I WOULD NOT RECOMMEND THIS COMPANY TO beelzebub HIMSELF. hE PROBABLY SET UP THEIR WEBSITE!