ElanfinancialservicesReviews of elanfinancialservices.com

Absolutely horrific. This company is the worst Card company I ever have delt with. Zero help Zero Thought process. I have a 828 credit score and these people act like their doing me a favor. Run like all hell from them

I was scammed by an auto restoration business and filed a stop payment. After six months of sending Elan letters from third parties and numerous conversations I was never able to get them to understand the issue. They lost evidence I sent them one department didn’t forward documents I sent, they will not use email, just scanned it somewhere. I never talked to the same person twice. In my last conversation I asked them to send me something that explained exactly what documents they needed and they sent me the same form I had filled out two before. I’m am out $5,000 because according to them they do not have anyone that understands car repair. They are not customer friendly whatsoever.

I had a credit card wirh this company for years. Never again!! I would not recommend anybody getting a credit card from them on top of the fact that they're interested is much higher than other credit cards. I paid the credit card off always made way above my monthly minimum payment. When I called to get a full balance to pay off the credit card and close it I was given the amount paid it off. A month later I received another bill stating it was back accumulating credit to me that is straight up theft.

Complete scammers, I got tricked out of doing a secured line of credit of $3000. They wanted the money immediately to open the account after a year. They still haven’t made it unsecured after perfect payments and if I close the account, it takes up to two months to get your money back. Beware of this place.

Unreliable and mistrusted judgment of character

Terrible payment system horrible customer service.

Elan Financial's customer service is extremely frustrating. Hold times are often over an hour, and representatives frequently seem uninformed about ongoing issues. Their systems are outdated, requiring documents to be sent by fax, and follow-up is inconsistent. Customers are often forced to repeat the same information because account notes are not reviewed. Overall, the service is inefficient and disappointing.

I am extremely disappointed with how this situation has been handled. I was assessed a late fee despite making a payment on the 1st of the month. At no point was I clearly informed that making a payment before the due date could result in my account being treated as delinquent because of an internal billing cycle or cutoff date. Had this information been communicated, I would have adjusted my payment schedule accordingly. What is particularly troubling is the lack of proactive communication. I did not receive an email, text message, phone call, or any other notification advising me that a payment had been missed. The only indication was a red banner displayed when I happened to log into my account to make June's payment. If Elan is going to impose penalties and late fees, they should be equally diligent in notifying customers when there is an issue with their account before assessing those charges. I was advised that someone would contact me regarding my request to have the late fee waived. Instead, I received an email from Michael informing me that the fee would not be removed. Ironically, while Elan was able to send an email denying my request, no email was sent to alert me that a payment had supposedly been missed or that my account was at risk of being charged a late fee. The issue is not simply the amount of the fee. It is the principle. Customers should not be penalized for circumstances that could have been easily prevented through reasonable communication and transparency. As a result of this experience, I have lost confidence in Elan's business practices and customer service. Once my balance is paid in full, I intend to close my account and take my business elsewhere. I prefer to do business with companies that prioritize transparency, fairness, and customer communication. I respectfully request that this matter be reviewed again and that the late fee be removed.