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Business Profile

Debt Relief Services

Elite Financial Services, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Debt Relief Services.

Complaints

Customer Complaints Summary

  • 18 total complaints in the last 3 years.
  • 3 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/02/2025

    Type:Product Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    In 2022, I enrolled in a debt relief program with Elite Financial *************** (Elite) for my ************ and Greensky debts, paying $22,802.14 via ACH to a *************** escrow account .While the ************ debt settled by September 2023 , Elite's handling of my Greensky debt was deceptive. My Greensky account went "Charged Off" by January 2023, after my enrollment . Critically, Elite's payments from escrow to ******** were consistently reversed, proving funds weren't applied .On September 3, 2024, Elite falsely claimed "graduation" and Greensky settlement for $20,613.74, citing $35,936.00 saved . This contradicted Elite's own offer to Greensky (payments extending to 2026) . Further, on November 14, 2024, **** ****** (******) contradicted this, stating Greensky was still enrolled . ******** confirmed no recent Elite contact or settlement . My July 1, 2025 ******** report verified the $27,485 "Charged Off" status as correct .Despite their failure, Elite continued deducting $1,145.20 monthly from my escrow into early 2025 . In June 2025, *************** terminated its Elite relationship . My escrow balance, after two withdrawals, was only $11.50, and I received no refund .My problem is Elite Financial ***************'s breach of contract, repeated misrepresentation, deceptive practices, and financial misconduct. They failed to settle my Greensky debt, actively misled me, and continued collecting funds despite their failure. I seek a full refund of funds not applied to settlements (for Greensky), a refund of all Elite's fees, and compensation for damages due to their negligence and deceptive actions, including credit impact. I have thorough documentation for evidence.

  • Initial Complaint

    Date:06/25/2025

    Type:Billing Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    In 2022, I enrolled in a debt settlement program with Elite Financial Services to resolve two debts: one with ************ and one with ********. I paid a total of $21,475.96 over the course of the ********** mid-2024, I became suspicious when GreenSky told me they had not spoken to Elite in over a year and had received no payments. I contacted *******************, the payment processor, who couldnt confirm whether any money labeled for ******** had been disbursed.After I confronted my Elite **** **** ******, he sent a graduation letter in September 2024 stating the program was completed and settlement letters had been sent. He assured me payments were scheduled and I didnt need to take further action.Then, in June 2025, I received a letter from Global stating that my relationship with Elite was terminated. I checked my records and discovered that no payments had been made to ******** since January 2025, and recent scheduled payments had failed due to insufficient funds despite my full payments having been made as early as October ******* this day, ******** has no record of a resolved debt, despite my substantial payments to Elite. I have emails, documents, and bank records supporting my timeline and claims.

  • Initial Complaint

    Date:11/03/2024

    Type:Customer Service Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hi,I went through Elite legal debt program to help myself get out of debt and be able to move forward.I was with this company for approximately 8 months and ended my services with them about 3 months ago.I live on a tight budget due to the fact that I am out of work disabled due to medical issues.I have called this company several times to get my money back since they did nothing in 8 months. I also have emailed the company. I spoke with senior sales person named ******* on several occasions and still have not recieved a refund. I need to go though all my statements for exact amount but they owe me just over a thousand dollars. I am unable to access my account as I have been locked out. My account number was *************. If you can help me in anyway. I would appreciate it Thank you ******** *******

  • Initial Complaint

    Date:07/11/2024

    Type:Product Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    En octubre del ************************************************************************************************************************ deuda el acuerdo a pagar fue $13.316.57 por 48 meses y les di de ms $1729 segn ellos era para cerrar acuerdos y lo que diera por adelantado terminaba antes el programa.en resumen tres tarjetas se pagaron y las dos restantes una no le hicieron ms ***** desde diciembre 2023 alo cual la firma de abogado que **** la tarjeta me llevaron a corte en mayo 2024 y tuve que pagar la deuda de $2848 y queda una tarjeta pendiente que se le debe $5829 que igual desde diciembre del ******************************************************************************************************** lleven a corte tambin por favor pido ayuda primero reporto este fraude me duele lo que me ha pasado para que no suceda con otras personas y si existe algn programa dnde puedan ayudarme para pagar esta deuda

  • Initial Complaint

    Date:06/24/2024

    Type:Service or Repair Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Elite Finances robo calls our mental health trauma line and harasses staff with financial scams, knowing they're required to answer the phone. We have recorded 9 calls on Monday and more durring the week. They call on average 25 to 28 times, every3 days. That's 28 human crisis WE DON'T RECEIVE. They create fake stories, invent lies and ask for random names, "I must speak to *******!! This is an personal emergency" " demanding to speak with other staff handling patients and pulling care away from families in actual crisis. They ARE aware of where they are calling and who they're attempting to scam. This is just a sick display of financial desperation. To prey on people in suicidal crisis/ psychiatric trauma, my god....

  • Initial Complaint

    Date:11/18/2023

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    January 2023 was first payment from my checking account. The other 6 payments were debited from my Savings account. They will not return any call. None of my loans were getting a payment nothing was resolved. I put a stop pay on the reoccurring auto payments going to this Elite Financial Services, Inc. I spoke to a ***************************** from the start and he was the representive that helped me with all my payments and getting set up to pay off these outstanding loans. I am very upset that nothing was ever paid and I dont know where the money went. I have currently spoke to all the loan companies and not one of them have received a payment. the phone # to the *** is *************. I would like for all my money to get put back into my account returned to me in some way!!! This is very upsetting to find out no one from this company will help me.

    Customer Answer

    Date: 11/29/2023

    I have not heard from the business in response to my complaint.

    I also have the proof of when I made my first payment and all 6 of my monthly payments to this company. 

    They never responded to my emails, I also have proof of all my emails. 

     

    I have tried to upload 3 files but unfortunately its telling me the file is to long.

  • Initial Complaint

    Date:10/21/2023

    Type:Service or Repair Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have been with Elite approximately 4 years.When I first started they were very responsive.No issues. I have tried to reach them for months.Left numerous messages.I was able to talk to them very few times and they promise to call you back but it never happens.I am almost complete with my program.There is one credit card left and the money is in my Global account. There is enough to cover what I owe. Elite said they would negotiate with the law firm & was even told that I might receive some money back.I am afraid that the law firm is not getting the payment & will issue a default. The amount in my Global account is still the same so obviously they have not been paid.Im trying to move & want to show a zero balance on my credit report.Please help me.This has been going on for months.Im so frustrated & my money is just sitting there. I will be filing a complaint with the Attorney General.Not bluffing.Im ****** off.If I can find other places to file a complaint, I will.I see that there are similar complaints.I hope that anyone who is experiencing the same problem, to also file a complaint to the *************************

  • Initial Complaint

    Date:10/06/2023

    Type:Billing Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I became a client of Elite Financial Services in 2021 in order to payoff credit card debt with a settlement. I have been making monthly payments ever since and at the beginning of this process, communication was great. Now all of a sudden, none of my calls are answered and I was told by ******* that I would get a call back from **** but nothing. I have called multiple times to the new number and local number they give me. I have sent multiple emails and still do not get a response. Now i find out that i am being sued by **** of America for credit card debt. I'm not sure if I am being scammed but I need this issue resolved with **** of America or my wages/money and property will be taken from me. I have been making payments to *************** and I need to know what is going on or I need my money back so I can pay **** of America directly!

  • Initial Complaint

    Date:10/03/2023

    Type:Service or Repair Issues
    Status:
    Unpursuable
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This complaint will be a little difficult with me, since all the information regarding the situation was stored in a replaced phone and could not be recovered. I may have emails, but i have thousands of emails since the beginning of this predicament.This company offered me a hardship loan to pay off one big loan, and a smaller loan that were both used to pay for one product. This was in January of this year 2023 (i may be off by a month, give or take). They take roughly $1000 out of my bank account every month. I was told they use this money to settle my debt with the companies that provided me with the loans. There was a website where I could check on their progress, but I no longer remember what that website was (it was saved on my old phone, which is inaccessible). That website was a little vague and I can that actions were made, but it the site didn't realize explain or describe what those anyone were. It appeared that they were paying off the loan with the money they withdrew from my account, however, my credit report shows that I have made no payments towards the loans. I understand that this is a risk taken with the company, but also, the last time they contacted me was after 6 months or so, to let me know I was 6 months into the program, and to offer me a loan to cover their loan. The idea was, this would compete the program, and my credit report would no longer be stained with the apparent non payments. I needed time to think about this apparently limited time offer, as it really made no sense, and this was beginning to feel like a scam. Well it officially feels like a scam bc if you call their office you just get a busy line. There's no email correspondence anymore either. This company has not contacted me since that last call.Also, the complaints already avaliable look very similar to my complaint, and I wonder if anyone has actually finished these programs and gotten actual results. My credit score is so low now.

  • Initial Complaint

    Date:05/31/2023

    Type:Billing Issues
    Status:
    Unanswered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I signed up for a debt consolidation account a few years ago with Elite Financial Services to have three credit cards and a student loan serviced. The first few years were fine with communication. However, in the last few months I have been unable to reach anyone regarding the status of my account. A few of the accounts are listed as delinquent/ over 120 days passed due on my credit report that were supposedly supposed to be taken care of and settled by them. Last I heard my account was going to be done and settled in 9 months about 6 months ago. Considering my accounts on my credit report are now late this is effecting my credit score poorly. I am unable to reach anyone at the office regarding this concern but they are still making withdraws from my account. I am concerned for my credit and the large amount of money I have been giving them. Please help me resolve my credit report negativity on the these accounts and assure my money is being handled appropriately. The accounts in question are-Citizens student loan Victorias Secret credit card Chase credit card Discover credit card. I have been working hard to recover my credit but these accounts seem to continue to hurt it

    Customer Answer

    Date: 06/11/2023

    I have not heard from the business in response to my complaint. I have been unable to reach the business for two months now to discuss my account but they are still withdrawing $400 a month from me 

Elite Financial Services, Inc. is NOT a BBB Accredited Business.

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