ELGA Credit Union
ELGA Credit Union Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
ELGA Credit Union has a 1.7 star rating from 2 reviews and consumers are mostly dissatisfied; recent reviewers warn "RUN!" and "Caveat emptor!"
Positive Feedback
Members note quick loans as a benefit despite broader concerns about service and price level.
Negative Feedback / Risk Areas
- Frequent ELGA Credit Union customer complaints about poor customer service and poorly trained reps.
- Billing problems, unauthorized withdrawals, and alleged fraud reports affecting account safety.
- High fees, refusal to assist during job loss, failure to follow TILA, and auto pay setup failures.
Key Takeaways for Future Customers
- Read ELGA Credit Union reviews and dispute processes carefully before opening accounts.
- Monitor accounts closely, avoid relying solely on auto pay setup, and be prepared for fee and service issues.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
ELGA Credit Union has a 1.7 star rating from 2 reviews and consumers are mostly dissatisfied; recent reviewers warn "RUN!" and "Caveat emptor!"
Positive Feedback
Members note quick loans as a benefit despite broader concerns about service and price level.
Negative Feedback / Risk Areas
- Frequent ELGA Credit Union customer complaints about poor customer service and poorly trained reps.
- Billing problems, unauthorized withdrawals, and alleged fraud reports affecting account safety.
- High fees, refusal to assist during job loss, failure to follow TILA, and auto pay setup failures.
Key Takeaways for Future Customers
- Read ELGA Credit Union reviews and dispute processes carefully before opening accounts.
- Monitor accounts closely, avoid relying solely on auto pay setup, and be prepared for fee and service issues.
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Verified Reviewer
Money not safe
- - My money was not safe in the bank; $10,000 was withdrawn.
- - It was inheritance money from my grandfather; the bank cannot help.
Overall, not happy at all my money was not safe in there and it shouldve been. It was exempt money from an inheritance from my grandfather.
I recently opened a bank account and $10,000 is taken out of my account without my knowledge and before it was even supposed to be taken out.
Theres nothing at the bank for me to make my phone save again or to get them back. They told me to contact somebody else.
Resolved: Fraud
Company fixed the issue and I have been provided with apology.
Debit card unauthorized transaction.. I did not make transactions on my debit card. I need to report fraud.
Preferred solution: Full refund
Horrible business Practices
- - Charged us 90.00 to move a loan payment and were denied.
- - Condescending staff who wouldn't assist; went to another CU for checking.
A Credit Union is designed to help the community. We had a job loss/health issue and went in to have them move a payment to the end of our loan they charged us 90.00 and then told us no.
In my opinion they are condescending to those in need and up to that point I was always on time..still am and they wont assist. They are a joke went to another CU for checking and dont recommend them at all to anyone in Grand Blanc MI
- Quick loans
- Did not work with us during a job loss
Preferred solution: An extension
User's recommendation: RUN!!!!
Poorly trained customer service
- - Customer service reps were ill-trained and worked from home.
- - Auto-pay setup failed after attempts.
- - Late fees and a lowered credit rating occurred.
This credit union's so-called customer service is nothing more than a bunch of ill-trained employees who work out of their homes. I tried 5 times with 3 different "customer service" reps to set up auto pay for a used car loan, which never happened, and cost me late fees and a lowered credit rating.
User's recommendation: Caveat emptor!
Burton, Michigan
Worst Credit Union in Michigan
- - I closed personal and business accounts after ELGA withdrew funds.
- - Negative $3 balance on a closed account.
- - ELGA credit entry dropped my score.
I had a personal account, business account, and a personal loan with ELGA credit union. I closed my accounts when ELGA decided to take money from my Michigan corporation account to pay on my personal loan.
After a lot of back and forth, and my explaining to them how this was illegal, they finally credited my account back. Shortly thereafter I closed my accounts.
It has been months since I closed my accounts, and I have never received anything from them until a few days ago saying that my personal account was negative $3.00. I have no idea how that is even possible because for one, I closed my accounts, and two, I have not made any transactions on those closed accounts.
Then on September 9th while in the middle of getting a loan on my home, I get a notification that I have a negative entry on my credit report from ELGA.
I have no other negative marks on my credit reports, and this made my scores drop from the 700's to the high 500's. They have been no help at all, so I have filed complaints with the NCUA, Michigan DIFS, the CFPB, the BBB, the MI AG and the list goes on.
- Failure to follow tila
- Stacking of transactions
- Violations of the fcra
Preferred solution: Deletion of the Trade-Line
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