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  • Customers like
    • Rate1
    • Computer based application1
    • Ease of application1
  • Customers don't like
    • Horrible customer service5
    • No customer service at all5
    • Lack of communication4

  • Jun 22
  • Loans and Mortgages
  • Long Beach, California
  • Mortgage
  • 15
  • REVIEW RATING 4/5

We are the sellers in an Escrow Transaction that has now gone over 75 days! Essex continues to stall with the funding. We continue to get last minute stalls and last minute requests from Essex. Like last week, the night before closing/funding, we're told to get ANOTHER Termite report from Orkin. We had the property tented back at the end of October 2014. It went into Escrow mid April. Essex... Read more

Was this review helpful? 1 0

  • Jun 20
  • Loans and Mortgages
  • Boat Loan
  • 35
  • REVIEW RATING 3/5

Another Linda Ramirez victim here. Applied online, was approved in 24 hours - then the fun began. No response to voicemails or emails - the only way to get through to her is via a customer service representative. Her excuse - "We're swamped with applications - you'll get your loan documents next week." "Next week" has come and gone - no documents. Is she the only one processing loans for... Read more

Was this review helpful? 1 0

  • Jun 17
  • Loans and Mortgages
  • Laguna Hills, California
  • Loan
  • 56
  • REVIEW RATING 4/5

Applied for a loan through Costco. I keep a good eye on my credit score so I knew I met the requirements. I was told I would hear back within two business days. A week later I emailed asking for a status update. Jim Pena in the San Ramon office emailed back that my credit rating wasn't high enough. I let him know that wasn't mine and what mine actually is. His response was the same email, but... Read more

Was this review helpful? 1 0

  • Jun 15
  • Loans and Mortgages
  • Secaucus, New Jersey
  • Boat Refinance
  • 49
  • REVIEW RATING 3/5

I found Essex Credit through Costco - Essex Credit advetises low refinancing for boats. I wanted to lower my monthly payment. I am not upside down on my loan. After they take a hard look at your credit, causing your credit to drop, they say they'll do the loan ONLY if you pay a HUGE down payment and pay "at least" a $500 appication fee. Because of the credit rating drop, you're stuck on... Read more

Was this review helpful? 1 0

  • Jun 10
  • Loans and Mortgages
  • California, United States
  • Boat Loan
  • 58
  • REVIEW RATING 4/5

I wish I would have read the reviews prior to attempting a boat loan with Essex. Like the others below I spoke with a sales rep via phone prior to actually submitting as I wanted to make sure they could meet the terms I was looking for. This was after leaving numerous emails and phone messages for Linda Rameriz. They assured me they could provide me the terms on the boat I was looking at, I... Read more

Was this review helpful? 1 0

Going through the process right now for a boat loan. Have already paid over $300 for the inspection, and cannot get a hold of our loan officer Linda Ramirez. She won't return phone calls or emails. Tomorrow we will speak to her supervisor to see if that gets us anywhere. I've never experienced such horrible customer service in my life! Add comment

  • May 12
  • Loans and Mortgages
  • San Ramon, California
  • Rv Loan
  • 1
  • 1
  • 145
  • REVIEW RATING 4/5

I was approved for my $250K RV loan very quickly, but I can't get my rep to return my calls. Day after day, I try to reach Linda Ramirez and always get her answer machine. I leave messages for her (their office is in San Ramon, California), but after 1 week, I still have not received a call back. In frustration, I called the main opertor and refused to hang up until she was put on the line. ... Read more

Was this review helpful? 0 0

  • May 07
  • Loans and Mortgages
  • Rv Loan
  • 80
  • REVIEW RATING 3/5

Pre-approval through Costco membership (quick) signed sales agreement for RV, submitted paperwork. It has now been over 3 weeks. Numerous attempts to contact loan officer (Linda R.) via email and phone with only a couple responses stating she will call with update.....no calls. again, several email requests from both me (buyer) and dealer all with no response. 3 weeks in with sales agreement... Read more

Was this review helpful? 1 0

  • Apr 27
  • Loans and Mortgages
  • Denver, Colorado
  • Rv Loan
  • 182
  • REVIEW RATING 4/5

I have 800+ credit score. They ran my credit to confirm and I was pre-approved for an RV loan. It was explained that I when I found the RV I wanted, I'd just email the vehicle info to my assigned rep (Linda). I did that nearly 10 days ago. Zero response. I've called and left messages twice, email her directly twice. Still nothing. I feel completely swindled. Not only did I waste valuable time,... Read more

Was this review helpful? 2 0

  • Apr 24
  • Loans and Mortgages
  • Ashburn, Virginia
  • Boat Loan
  • 100
  • REVIEW RATING 3/5

I have been extremely disappointed with Essex due to a lack of communication and failure to fund my loan in a reasonable amount of time. My credit is excellent and all documents were submitted in a timely manner. I just can't get a response on the loan status. My boat dealer is about to bail on the deal because of the continued delays. Essex won't provide any guidance on the loan status... My rep... Read more

Was this review helpful? 1 0

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