2 Customer Reviews
Review from Courtney J
1 star07/24/2024
Back in December I fell behind on my car payment. I paid my car payment at the exact 30 days but unfortunately the transaction didn’t post until day 31 even though I got confirmation of my payment. It was posted on my credit accounts costing me 100 points. I’m a newly single mom of 3 starting over in life. I wasn’t given a chance. They were rude to me. Wouldn’t recommend them
Essential Credit Union Response
08/02/2024
All phone calls have been reviewed in connection with the activity. There was nothing noted in the communication to indicate the member’s experience was negative. No payments were received on the loan referenced from the member between November 16, 2023, and January 10, 2024, which is outside of the agreed upon terms in the retail contract. Essential Credit Union has determined the account is reporting correctly to all consumer reporting agencies and no deletions will be made, nor information removed under the profile.Review from Kelli T
1 star11/14/2023
I have had the worst experience with this bank, specifically dealing with *** ***** the "the committee" as he stated that he is the one that make decisions. I was default on my commercial loan by 2 payments, however, after attempting to make the whole payment, I was denied. *** ***** claims they sent me a demand letter that I signed off making me responsible to pay my entire loan in full. This was bogus and untrue. I never signed anything and after attempting to explain my situation, this man told me that it didn't matter, but "they" were tired of my account being in default (only happened twice this year) and they just wanted me to pay the loan in full $115K or they will start foreclosure processing. They did not try to offer me any relief or simple allow me to pay my missed 2 payments. He told me that I have 30 days. It was like I was dismissed and discarded like trash. I would not recommend anyone to get a loan with this Bank as they are only concern about what benefits them and not concern about their customers. I been with this bank since 2014 starting with a balance of $144k. I've always paid my notes within 30 days. I admit since Covid, within the last year, I did have those 2 missed payments, however, I still made the payments.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.