Complaints

This profile includes complaints for Wright-Patt Credit Union, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Wright-Patt Credit Union, Inc.

  3560 Pentagon Blvd. Beavercreek, OH 45431

  
• 

  Wright-Patt Credit Union, Inc.

  2097 N Bechtle Ave Springfield, OH 45504-1583

  
• 

  Wright Patt Credit Union Inc.

  161 Carrie Dr Wilmington, OH 45177-1994

  
• 

  Wright-Patt Credit Union, Inc.

  30 Graceland Blvd Columbus, OH 43214-7509

  
• 

  Wright-Patt Credit Union, Inc.

  1506 N Fairfield Rd Beavercreek, OH 45432-2737

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have statement that says I  owe nothing on this car and have made all payments from the last repo order the December payment was made with the I made in December. At this time can I get an audit of my account.

  

  Business Response

  Date: 07/03/2025

  Ms. *******,
  
  Thank you for contacting Wright-Patt Credit Union
  ("WPCU") with your concerns regarding the recent repossession of you
  motor vehicle.
  
  As a result of our investigation into the matter, we can
  confirm that you went through the process of cancelling a repossession in the
  November – December timeframe of 2024 by making a lump-sum payment to WPCU to
  avoid repossession of the collateral due to delinquency.
  
  Shortly thereafter, another payment came due, which was not
  paid until the following month.  Since that time, payments have fallen
  further behind.  You are welcome to contact us for a more thorough review
  of your payment history.
  
  Because the loan was again delinquent, and because we were
  unable to reach you to discuss a resolution of the matter, we felt it in the
  best interest of WPCU to move forward again with the repossession
  process.  In this instance, we do show that the vehicle was repossessed
  and that you subsequently contacted us for more information about what would be
  needed to get the vehicle back.  One of our Repossession Administrators
  was able to provide you with the amount needed.  However, the line
  disconnected during the call and it appears that you may not have received all
  the information we want to provide our members in this situation. 
  
  Since then, we have made several attempts to contact you to
  provide you with additional information, but there has been no answer to our
  calls and we have yet to receive a response to these attempts. 
  
  Please contact us as soon as possible, so we may give you
  the full scope of information you will need to redeem the vehicle, and a more
  detailed explanation of how the repossession came about. 
  
  We understand that it was not your intent to have the
  vehicle repossessed, and we know this has been difficult.  It is our
  sincere hope that you are able to get the vehicle back prior to sale and are
  able to get back on track with payments.  Please give us a call so that we
  can discuss options for making that happen.  We can be reached at ***** *** * **** ***** for this information.
  
  Sincerely,
  **** **
  Member Experience Analyst
  Wright-Patt Credit Union
  
  
  

  

  Business Response

  Date: 07/17/2025

  Ms. *******,
  
  Thank you for your response.  We have received your duplicate complaint filing from the Ohio Attorney General's ("OAG") office and have sent a detailed response through that channel.  Please review the OAG response we have sent, and if you have further questions, please feel free to call us at: *************.  

  Thank you.
  
  **** ** 
  Member Experience Analyst
  Wright-Patt Credit Union

  
  

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a joint credit card with my daughter for many years. I had decided to close the credit card and contacted Wright-Patt Credit Union last summer 2024 to do so. They had me complete the appropriate paperwork and steps to do so. After that, I didn't really think too much about it. However, about 1 week ago I received a letter in the mail stating that myself and my daughter were past due on a payment for the joint credit card and that they were looking at turning it in to collections. You can imagine my surprise when the joint credit card they were referring to should have been closed nearly 1 year prior.
  
  I immediately contacted Wright-Patt Credit Union for resolution. However, when I contacted them they said that whomever was working to close the card last year did not complete the action. And as such, the card was never closed. They apologized profusely and said I would need to first pay the now $16 balance and wait a few days for it to process and they would look at closing it for real this time.
  
  I told them that this whole situation was unacceptable and that I was going to file a BBB complaint; they said that they were also going to put a complaint in through their internal system that the credit card was not closed properly. I had them send me an email stating what was happening and they are supposed to contact me again this week when it is really closed this time. I am filing this complaint to ensure they actually close the card this time and follow up with me like they said they were going to do to ensure the joint credit card is in fact closed.

  

  Business Response

  Date: 06/30/2025

  Ms.
  ****,
  
  Thank you for contacting Wright-Patt Credit Union (“WPCU”) regarding your
  concerns.
  Your complaint outlines an issue in which you requested to close a credit card
  with WPCU, and later found that your request was not completed.
  In reviewing the situation and account notes, I was able to find the
  information about your request to close the card in December of 2024, and then
  again on June 21, 2025. 
  The representative who assisted you on 6.21.25 said that she spoke with you
  again on 6.25.25 to confirm that the card closures you had requested were
  complete.
  Additionally, we have reviewed the account for any negative credit reporting
  that may have stemmed from this issue, and were unable to locate any related
  negative marks.
  We sincerely apologize that this situation occurred, and for any inconvenience you
  have experienced as a result.
  If you have any additional questions, you are welcome to contact us at ***** ********, and we would be happy to help any way we can. 

  Sincerely,

  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

  
  

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wright patt was contacted by atomic credit union for a 10 day payoff on 05/28/24 check was cleared on 05/30/24 and liens was released on 06/08/24 from wright patt credit union.
  Wright patt continued to attempt to withdrawal an automatic payment from my bank account for the next 4 months. Which had costed me $35 each time to stop pmt. Also reporting to the credit bureau every month for late pmt after payoff and now is a charge off on mine and my husbands credit report. Atomic credit union has researched this and is finding wright patt credit union to be in the wrong. Wright patt has been contacted at least 6-8 times for this issue and still no resolution or response to their investigation.
  Now our credit has suffered because of a loan that was paid in full and liens released.

  

  Business Response

  Date: 06/20/2025

  Ms. *****,

  Thank you for contacting Wright-Patt Credit Union (“WPCU”) with
  your concerns regarding the issues involving the payoff of your vehicle loan.
  I appreciate your time in speaking with me about the issues in
  more detail, and for allowing us to investigate further.
  In review of your account, we were able to determine what caused
  the situation to occur and WPCU has agreed to make corrections to your credit
  reporting as a result of our findings. 
  We appreciate your patience while we make these
  corrections. 
  There are a few points of follow-up that I attempted to contact
  you about, but I was unable to reach you. 
  I will look forward to reconnecting with you soon.
  Thank you for being a member of WPCU. 
  
  Sincerely,
  
  **** *.
  Member Experience Analyst
  Wright-Patt Credit Union

• Initial Complaint

  Date:05/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I got a credit card for home improvements due to going through adoption process, I set up auto pay, I trusted their rep to set it up and gave my bank information, then 3 months later I can't log onto the app. I called and was told I am delinquent, I stated I set up auto pay, I was told it did not get set up, I reset it up with this rep, did electronic set up of auto pay, paid off all outstanding payments and trusted the rep. At this time, she did fix my app access, so I was able to log on. Then 6 months later, I again cannot log on to the app, I called, company stated I was delinquent, I was told they switched payment systems, and it kicked everyone's auto pay information out, which is definitely not my fault. I go to reset up auto pay and was told they cannot do electronic set up and they have to mail me a letter, she mails me a letter, I fill out and send back. Again, I trusted their company because this was their policy. Almost, 3 months later I get a bill, and I see it does not have my payments listed, I call and company rep states that they never received the letter. However, after I complain about how many inconsistencies company is having with setting up auto pay but this time miraculously, I am able to set up auto pay electronically. I contact today because I can't log on nor use the card. I contacted via chat on their website and was told my card was closed due to delinquent payments and my app access was frozen. When inquiring, I was told that they sent a letter that stated my account was closed. When I asked her to be emailed a copy of the letter, she stated of course, got my email, and asked me to give her a moment to go send while on chat. She comes back and tells me she can't locate the letter that I have to call collections. I have lost trust in this company, I really hope this company's processes are looked at because there is something going on and the consumers are taking the brunt of their inorganization.

  

  Business Response

  Date: 05/22/2025

  Dear Ms. ****,
  
  Thank you for reaching out to Wright-Patt Credit Union (WPCU)
  with your concerns regarding auto-pay issues with your credit card.
  After a review of your complaint, it is understandable why this
  situation has left you frustrated.
  We have addressed these concerns with the appropriate leadership, and we are actively taking steps to request various corrections with the
  necessary departments.
  
  We have attempted to reach you by phone but unfortunately have
  not been able to connect.
  There are details about
  our investigation, and actions we are taking, which we would like to discuss
  with you. We would also like to ensure that all your concerns are
  completely and thoroughly addressed.
  I left a voicemail with my contact information, and you are
  welcome to call me back anytime.  I will look forward to hearing from you.
  
  Thank you again for allowing us the opportunity to review and
  investigate your concerns, and for being a member of WPCU.  

  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

• Initial Complaint

  Date:05/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have personally hand carried all the documents needed as well as emailed the document to them. They ignored them. Told me they would get back with me in 30 days. This process has continued for well over a year. Just repeating that they will get back with me in 30 days 

   

  

  Business Response

  Date: 05/22/2025

  Dear Mr. *******,
  
  Thank you for reaching out to Wright-Patt Credit Union with your
  concerns regarding a duplicate payment posting issue.
  After our initial investigation, we connected with you by phone and email to review our findings.
  In the last conversation,
  you indicated that you have additional evidence to support your claim; however, as of today, we have not
  received the referenced documentation. We will continue to anticipate the
  arrival of this information, and once
  we have obtained and reviewed it,
  we can then reassess the
  determination that was originally made.  
  
  Thank you again for your time, while we worked together to
  review and investigate your concerns.
  
  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

  

  Business Response

  Date: 05/28/2025

  Mr. *******,

  Thank you for your response. 

  Throughout your recent conversations with us, we made you aware that we were not in possession of the documents you referenced.  We requested that you provide a copy of any documents you have, which pertain to this matter, so that we may continue to review it for you.  Currently, without the documents, we are unable to take any further action, as this case has already been thoroughly investigated and our decision stands.

  Please forward the documents to us through the channels we have previously communicated.  

  We will look forward to receiving them. 

  **** **
  Member Experience
  Analyst
  Wright-Patt Credit Union

• Initial Complaint

  Date:04/24/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Thank you so much for reaching out ,once they got notice from you ,it was resolved the next day .. 

  after 27 days .. 

  

  Business Response

  Date: 04/25/2025

  Ms. *****,
  
  Thank you for reaching out to us, and for your time yesterday in
  speaking with me, regarding your concerns about the ATM deposit error.
  This has now been resolved.
  Should you find that you have any additional questions or
  concerns about this deposit, you are welcome to contact me and I will gladly
  help any way I can.
  Take care!
  
  **** **
  Wright-Patt Credit Union
  

• Initial Complaint

  Date:03/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  They wrote it as a charge off and that’s effecting my credit score and I don’t even have the car anymore
  
  Sincerely,
  
  
  
  ***** ****** **

  

  Business Response

  Date: 03/28/2025

  Mr. ******,
  
  Thank
  you for contacting Wright-Patt Credit Union. We appreciate you taking the time to
  work together to address your concerns! 

  As I mentioned on our call a few days ago, a
  letter is also being mailed to you with the results of our investigation. 

  You are welcome to call us at: ***** ******** if you ever have more
  questions. 
  Take care.   
  
  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

  
  

  

  Business Response

  Date: 04/01/2025

  Mr. ******,
  
  We
  understand that you are unsatisfied with our recent findings. Based on our
  recent phone conversation, I believed there
  was a clear understanding of the account status that
  you have disputed.
  
  The letter I referenced in my
  previous response, and in our call, will have
  additional information regarding our investigation into your credit
  report; however, should you receive it and still
  have further questions, you are welcome to contact us at ***** ********, and we
  can provide you with copies of loan and account records to support the
  accurate credit reporting.
  
  Thank you again for your time.

  
  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

• Initial Complaint

  Date:03/13/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. **** was very quick and helpful and resolved both issues.
  
  
  
  Sincerely,
  
  
  
  ***** ******

  

  Business Response

  Date: 03/17/2025

  Mr. ******,
  Thank you for
  taking the time to contact us about your concerns regarding the issues you are
  experiencing with your Wright-Patt Credit Union (“WPCU”) credit card. I am
  sorry to hear these problems have persisted, despite your numerous attempts to
  have them resolved. 
  I have reached out
  to the necessary teams who are working to assess why this may be happening, and
  to get your account and card back to full functionality.  I attempted to
  call you with the information that I received, and to update you with progress,
  but was unable to reach you.
  Please feel free to
  call me back so we can discuss the situation in more detail, at ***** ********
  x****.
  Thank you for being a member of
  WPCU.
  
  **** *.
  Member Experience
  Analyst
  Wright-Patt Credit
  Union
  
  

• Initial Complaint

  Date:03/07/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a member of WPCU since I was old enough to open a bank account. Naturally I chose them for my auto loan. Since I purchased it I had been making bi-weekly payments. Due to a change in job I missed 2 payments due to getting paid once at the end of the month now. I scheduled a payment and it was returned stating my account was frozen. I was then told that my loan was in collections, which I had ZERO notice of, and collections then informed me that my car was now to be repossessed. I have had ZERO communication regarding my account being in collections prior to this. Conveniently the collections department could not get ahold of the repossession company for me to find out how much I am going to have to pay to stop the repossession. This all could have been avoided if I would have been notified of my loan being in collections in the first place. I had a payment scheduled to get my loan caught up. I am so glad I made the decision to leave WPCU when I did. No calls, voicemails, or even a letter in the mail to inform me of anything. This is shady all around.

  

  Business Response

  Date: 03/11/2025

  Ms.
  *********,
  Thank
  you for taking the time to share your concerns about your recent experience with Wright-Patt Credit Union (“WPCU”).
  We have
  attempted to reach you to discuss your complaint, but have been unable to reach
  you. If you are interested in discussing this further, please contact me.

  In
  your complaint, you explain that there was a lack of communication between WPCU
  and yourself, regarding the delinquent payments to your auto loan. 
  In
  reviewing the activity from our Collections Department, I am showing that we
  made multiple attempts by phone and mail from October to December of 2024 in an
  effort to discuss the delinquency; however, we did not receive any
  correspondence in return and the vehicle was subsequently put into repossession
  status on January 24, 2025.  We still attempted to contact you beyond that
  time until we were able to connect with you to receive the payments necessary
  to cancel the repossession order.
  The loan
  is now current with the next due date of March 19, 2025.
  
  If you
  have any additional questions, please feel free to contact our Collections
  department at ************ for further assistance. Thank you for being a member
  of WPCU.
  
  **** **
  Member
  Experience Analyst
  Wright-Patt
  Credit Union