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    Benefit Experts

    5.0 (8 reviews)
    Closed 8:30 am - 5:30 pm

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    Provident Credit Union

    Provident Credit Union

    (95 reviews)

    Check your monthly statements to avoid being not contacted like we did for 12-14 months…read more My husband was at work and receives a random call from Janet Tu. Not even introducing herself or what the call is for, asking for full payment of $5000 Or $6000 to be withdrawn from his account to cover the cost for Escrow! He was like what! Props to my amazing husband for being on top of every bill and proof! Why are you waiting 12- 14 months later to call us about the payment, when we never received any calls, letters, emails in regards to this? Asking for negative balance to be paid and raising our mortgage! Yeah, no' Your bank dropped a ball, simple as communicating and sending a letter or email! We literally have nothing that shows us that our escrow was in negative for someone who is on top of their bills and checking emails. My husband is a pretty organized person and it would be hard to believe he missed this! This was a total surprise and shock! Makes me really nervous to bank with them and I have lost all trust after today! I believe by California law; Your mortgage servicer is required to provide you with an annual escrow account statement within 30 days of the end of each escrow account computation year. * This statement should outline the activity and balance in your account and may include the previous year's projection or initial escrow account statement. * The servicer is also required to perform an escrow account analysis before providing this statement. Did you do any of this? Absolutely no! I'm not asking for a Yelp review apology.

    Worst experience ever. I have been doing business with Provident Cu for probably 20 years. In the…read morepast things went fairly smoothly but this last experience which was transferring a loan from one property to another in a 1031 exchange was beyond ridiculous. The back and forth and continual requests for docs which I had already submitted was unbelievably frustrating. It took 2 months of back and forth because it was "complicated". My father has a trust and as the surviving spouse was selling one property to purchase another and so doing was moving the loan to the new purchased home- how complicated is that. Provident marketed this loan as transferrable but I believe due to the low interest rate they did not want to transfer it so looked for excuses. It was a nightmare even though I had a banking relationship for years. Will not be going back.

    Ludwig & Fawcett - Ludwig & Fawcett, Inc. logo

    Ludwig & Fawcett

    (32 reviews)

    First off, I had never heard of an insurance broker and had been using AAA for my policies for…read moreyears. After getting rear-ended on a freeway two years ago and having to call for various follow-ups on my claim, I never spoke to the same person twice which was frustrating and made the whole process more exhausting and draining during an already stressful time. ANYWAY, nearly a year ago, my mother recommended Ludwig & Fawcett so I spoke with Judy, my mom's broker, who connected me with Molly and I cannot say enough good things about her and her service. Molly has been absolutely fantastic, incredibly communicative, and she has the patience of a saint. As my insurance needs have grown, she has answered all of my many questions about different policies, limits, add-ons, etc. When issues have come up with renewing my policies (gotta love these wildfires), she has gone above and beyond to find policies that will work to meet my needs. I am an insurance novice and honestly, have usually found insurance policies a bit daunting but Molly is so gracious in explaining and answering (and re-answering) my questions. I feel so confident about her services and my new policies, it's been a relief. I cannot recommend Ludwig & Fawcett or Molly herself highly enough. THANK YOU!!

    I've been with Ludwig and Fawcett for 30 years and they have helped me with my auto, home, and most…read morerecently Kelly helped my locate motorcyle insurance. She is very friendly and knowlegable, as is their entire staff.

    Benefit Experts - insurance - Updated September 2026

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