Elements Mobile Banking

Step backwards

The latest version is really a step backwards for how I use the app. I’m all about functionality. And this version uses font that are huge, is super slow to load, and I can’t see all my account accounts at the same time or can I see the options of transactions to do at the same time. For the way I use the app, the last version was way better.

App blocked and monthly payment refused unless I authorized an additional, oversized charge

On May 15, 2025 I attempted to make my regular monthly payment of $706.20 through Elements Financial’s mobile app, only to find my account blocked without explanation. I called the collections line and spoke first with Kaylan and then Laura. After more than 25 minutes: 1. They refused to accept my on-time payment unless I provided my card and agreed to a second, automatic charge of $1,429.90 on June 29, 2025 (covering an extra installment, late fees, and part of the past-due balance they calculate). 2. They insisted my loan was 42 days late, ignoring that I have paid every month (Feb 20, Mar 19, Apr 24) — simply not on their preferred 7th of the month. 3. When I finally authorized the one payment, they ran the card twice until it was declined, then told me to “borrow from family or friends.” 4. They refused to unblock the app until I accepted their larger payment plan, leaving me no practical way to stay current. The approach was unprofessional, inflexible, and coercive: they blocked my payment channels, tried to impose unauthorized auto-debits, and suggested I seek outside cash. In my view this is an abusive practice that puts both my credit and my vehicle at risk.