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Palo Alto, CA

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Benefit Experts

5.0 (8 reviews)
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Provident Credit Union

Provident Credit Union

(95 reviews)

Provident Credit Union has taken good care of us for many years. Recently, we worked with Ashley…read moreNiba to secure an auto refinance and credit cards. I had been under the impression that credit union rates weren't as good, but we got amazing rates and terms, and the process was so simple, so I HIGHLY recommend that you reach out to Ashley and see what she can do for you: ANiba@providentcu.org

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 Not even introducing herself or what the call is for, asking for full payment of $5000 Or $6000 to be withdrawn from his account to cover the cost for Escrow!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.

Ludwig & Fawcett - Ludwig & Fawcett, Inc. logo

Ludwig & Fawcett

(32 reviews)

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.

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!!

Benefit Experts - insurance - Updated October 2026

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