ESL Federal Credit Union

ESL was a hometown bank for decades. Now customer service means nothing to them. Imagine you paid a loan late during the same week you had a death in the family. Your credit score is over 800, your payment history is fantastic, and you have done business with your bank for 30 years. Would you waive the late fee? Today's ESL will not. I would have recommended ESL a thousand times, but never again. I requested ESL financing for my past two car loans. That ended today.

I would never use this bank again. It was assigned to me by a car dealership when I bought a new car. They have poor customer service. They open accounts when you overpay the payoff without your consent. This happens when they give you the payoff amount. You have to ask them to close the accounts and send out the lien releases. This should be automatic when a car loan is paid off. It's a terrible bank to deal with, especially for out-of-town customers.

I'm done, like many of your other members. In the last five years, my mortgage has increased four times due to the lack of escrow. I made many attempts in the last two months to get ahead of it but encountered roadblock after roadblock. Now, I have received the infamous letter saying my mortgage has increased. ESL, you manage my loan for the house... you are doing a terrible job! This is also a horrible example of the customer service being provided. Your heyday is about over, folks! Goodbye Karen!

ESL Credit Union is the best credit union ever. I've been with them for over 10 years, and they always have an answer for all my problems. I can access my account wherever I am. I will never exchange ESL for another credit union. The only way I will change from ESL is if I move to Puerto Rico, and that's because they don't have a branch in PR.

Horrible customer service, very unprofessional and rude, especially the lady who runs the fraud department, Maura, I think her name is. She needs to be fired.

If I could give ESL in Brockport, NY zero stars I WOULD! They are THIEVES!!!!!!!
My fiancé and I went in to get some rolls of quarters (we use them for our dryer) and we noticed that two of the five rolls were each a dollar short. So, my fiancé contacted their customer service representative and they instructed him to go back in at HIS CONVENIENCE to get the $2 reimbursed. The representative put a note on his account so the clerks working were aware.
We go into the bank and tell them the situation.
The manager then comes out and refuses to reimburse us! She says, “We’ll get fired if we just hand out $2”.
They wouldn’t be just “handing out” free money. They would be giving us our money that they did not give us in the first place. So, essentially they stole our money! (I understand it isn’t that much money, but it’s the principle!)

If anyone is getting ANY money from ESL, whether it is cash, check, or rolls of coins VERIFY that the amount is correct!

If you happen to get coins, make sure to open them in front of the clerk and count them!! If not, they will likely try to SCAM/STEAL your money too!!!!!!!

This will be the second and last time that I have issues getting my debit card renewal. My debit card expires in December, literally the worst month for the post office. This is the second time that my new card has been lost in the mail. Each time this has happened, they block my current card before it expires, messing up everything. All my auto payments are halted because they claim someone could have gotten my new card and used it, even though it's not activated, nor would that person have any of my information. So basically, their activation means nothing, but they say it does. Although they block all my legitimate use on my unexpired card, claiming someone could use my unactivated new card without a PIN or again, any of my personal information. I have closed all my accounts with them and will be taking my business elsewhere.

I'll give this 2 stars as they are in the process of fixing the issue.
First off, I sent in my auto payment letter by (snail mail) 2 weeks ago and when I called just a few days before my payment was due they stated they never received it. So, Instead of missing a payment I made my payment thru my debit card and was charged another $10 fee to do so.
Secondly,
I looked a t my bank account and realized they took out my payment from the snail mail letter I sent. So they charged me twice. Had to call in and ask to reverse my funds. Thats going to be a 3 days process. Unfortunately, looks like they don't pay attention to what they do there. I'll be looking to get out of this loan from them and go with someone else as soon as I can.
I don't do good with incompetence, sorry..

Terrible service, having not missed a single payment on anything in the last 5 years, they shut off my auto pay and result in me damaging my own credit score for incompetence on their end. Was going to take a business loan out but will be taking business elsewhere

ESL tries very hard to work with you to make it possible to obtain financial success. They help you work to get your loan approved and then helps you secure your financial retirement. I found this very helpful when I applied for extra income to be free of a car lease and a new place to reside. I have worked with ESL credit Unions savings account and checking accounts for years. I have no doubt that I am headed in the right direction, thank you ESL. - Lois H.

My phone number is associated with a person and a loan. Monthly I receive messages stating payment is due. I contacted then several months ago letting them know they have the wrong number and to remove it that I do not have any business with them nor have I ever. Needless to say still receiving messages and when I have attempted to call and correct this AGAIN extremely long wait times,. Very annoying and unprofessional.

It's been a pleasure working with them. They are understanding and compassionate towards your unforseen situations that may arise.

Love this company! Am able to use the online account and it that allows me to pay more and monitor my real time balance. They made this experience exceptional!

I am a member of ESL FCU and receive dividends based on my business volume. They treat me like my business matters to them; 5 star always.

A great credit union that looks out for it's members. They have many programs to help those in need no matter if you have A + credit or a little challenged..