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Business Profile

Credit Union

Essential Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

This profile includes complaints for Essential Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Essential Credit Union has 7 locations, listed below.

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    Customer Complaints Summary

    • 4 total complaints in the last 3 years.
    • 1 complaint 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:02/15/2024

      Type:Delivery Issues
      Status:
      Resolved
      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 financed a travel trailer through Essential federal credit union in Baton Rouge, Louisiana. The loan was paid off back in December and I have yet to receive the title for the travel trailer.
      I spoke with them a month ago about receiving the title and I was told that my address needed to be verified and I verified it at that time.
      It has been more than four weeks since speaking with them and I was told that it was released and they are waiting on the department of transportation to mail it out and they were not sure why it wasn’t released a month ago.
      I will not be using Essential Federal credit union again in the future I just wanted to help out other buyers in the future if need be. Stay away from them!

      Business Response

      Date: 03/04/2024

      Essentials Loan Operations Team was contacted in regard to member complaint. Loan Operations offered the attached document showing proof that the title was released by the Department of OMV. Called member to verify receipt of anticipated titlework; Mr. ******** confirmed that he did receive the document. 

      Customer Answer

      Date: 03/04/2024



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 21297175, and find that this resolution is satisfactory to me.




      Sincerely,



      ***** ********

    • Initial Complaint

      Date:02/01/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      There appears to be a discrepancy in the reporting of late payments on my credit, and it's a matter of personal concern. This issue is having a substantial impact on my credit score, creating difficulties in obtaining loans or securing favorable interest rates. The current situation is directly influencing my financial well-being.

      Remove the late payment remark and accurately update it to reflect on-time payments.

      Business Response

      Date: 02/21/2024

      Extensive research has
      been completed on complaint ID 21228972 and the following determination has been made:
      A personal loan was opened in December of 2020.
      The terms of the loan included 26 bi-weekly payments commencing on January 15,
      2021, and concluding on December 31, 2021. Between those dates, it was documented
      on at least seven occasions where payments were received 30 days after the
      agreed upon due date. The final payment was received on May 12, 2022, five
      months later than the final payment date shown in the combination promissory
      note and security agreement.
      A second loan was opened on May 12, 2022. The
      terms of the loan included 13 biweekly payments commencing on June 26, 2022,
      and concluding on December 11, 2022. The first payment was received on August
      12, 2022, 47 days after the agreed upon due date. On five occasions, payments
      were documented received 30 days after the agreed upon due date.  The final payment was received on April 11,
      2023, four months later than the final payment date shown in the combination
      promissory note and security agreement. It has been determined that this
      account is reporting correctly to the Credit Reporting Agencies and no errors
      have been made.

      The member has been informed of the the results of this investigation.

    • Initial Complaint

      Date:12/30/2022

      Type:Customer Service Issues
      Status:
      Answered
      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.
      The branch manager ******* ******** was very rude, unprofessional and disrespectful. She grabbed my 4 year old child roughly by her arm because she was attempting to touch something on her desk. She was also very unprofessional, very irritable with her job. She had an attitude and was turning all clients around 30 minutes before closing of branch. The most horrible customer service I have ever receive. She scared my child the rudeness was extreme. Never in my life have I saw that type of unprofessional and blatantly disrespect to a customer.

      Business Response

      Date: 01/30/2023

      Essential Federal Credit Union strives to give stellar service at each member interaction.  An extensive investigation will be completed, and Ms. ****** will be contacted.

    Essential Credit Union is NOT a BBB Accredited Business.

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