Complaint Review: Elan Financial Services Cardmember Service - Saint LOUIS Missouri
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- Author Confirmed
- Elan Financial Services Cardmember Service P.O.BOX 108 Saint LOUIS, Missouri United States of America
- Phone: 800-676-4060
- Web:
- Category: Credit Card Processing (ACH) Companies
Elan Financial Services Cardmember Service Riverview Community Bank Fraudulent charges removed then charged back to card @ 30% interest rate! Saint LOUIS, Missouri
*Author of original report: Partial Resolution to Elan charges
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Last year I was the victim of identity theft and several of my credit cards were compromised. I filed a police report and every card company except for one, did what they said they would do and removed the charges that I did not make.
The credit card who is ripping me off blind is Riverview Community Bank (Visa card) AKA Elan Financial Services. This company harasses me at least 3 times every day of the week by phone and at least once a week by mail.
When I reported the fraud last summer, they removed the charges and sent me the affadavit to sign, which I sent back the very next day. Well 2 months later, they charged them back to me and now at the rate of 30%! They lied and said I never sent the paperwork back!
They even faxed me another affadavit when I contacted them by phone and I faxed it back within minutes and still they will not remove these charges!
Then they told me to write them a letter explaining this mess. Well as you can guess, it was totally ignored and never acknowledged. I even included the police report but it made no difference.
This has put me over the credit limit so the fees are increasing very quickly. I continue to make $50 a month payments which is twice what the min. payment is without these charges! They state my balance is $1,698.17 now and my limit is $1,500. The accurate balance is around $240 or less!
I am disabled and on Social Security. I can't afford these bogus charges and they are destroying my credit! I am very stressed over this and feel like it will never be resolved because no one listens at that company!
This report was posted on Ripoff Report on 04/10/2010 11:57 PM and is a permanent record located here: https://www.ripoffreport.com/reports/elan-financial-services-cardmember-service/saint-louis-missouri-63166-9801/elan-financial-services-cardmember-service-riverview-community-bank-fraudulent-charges-rem-591956. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Author of original report
Partial Resolution to Elan charges
AUTHOR: Marie - (U.S.A.)
SUBMITTED: Saturday, May 01, 2010
My latest credit card statement showed that on 4/12, all the fraudulent charges were reversed. I was also credited for over the limit fees and late payment fees. This was one day after I filed a report on this website.
What they did not do was refund me the correct amount of interest that I was charged over the past 12 months! They had raised my interest rate from 21.49% to 28.9% due to this year long fiasco and they only credited me a $130.78 for that raised interest on the full balance of $1478.00 plus $266 fees. My rate was left 28.9%! they still owe me credit for this ridiculous rate hike. My balance is $573 according to them and there is no way I still owe that much! I paid more than that over the past 13 months that they have been overcharging me and the last charge was for $23, that I made 14 months ago.
A few days ago I received a letter from Elan stating that my credit limit had been reduced by $900 due to Elan giving me negative marks on my account for their mistakes. It was dated 4/15/10, 3 days after my account was supposedly corrected of the fraudulent charges. So not only have they destroyed my credit score over the past year with this, they have now done further damage with this credit reduction which inaccurately shows that this credit card account is now charged up nearly 100%!
While I am very relieved that they have stopped calling me 3x a day and have corrected my account partially, I will still pursue this until I am credited 100% for their mistakes!
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