Complaints

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

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Tinker Federal Credit Union has 19 locations, listed below.

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  Tinker Federal Credit Union

  PO Box 45750 Tinker Afb, OK 73145-0750

  
• 

  Tinker Federal Credit Union

  PO Box 45750 3001 South End Tinker Afb, C-2 Tinker Afb, OK 73145-0750

  
• 

  Tinker Federal Credit Union

  234 Fields St Bldg 412 Enid, OK 73705-5700

  
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  Tinker Federal Credit Union

  801 S Oakwood Rd Enid Branch Enid, OK 73703-6206

  
• 

  Tinker Federal Credit Union

  4626 NW 39th St Oklahoma City, OK 73122-2516

  

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:03/17/2025

  Type:Delivery 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.

  Made a final payment on a vehicle that was financed though TFCU, and was advisd I would receive my title/lein release within a few days. I received a letter about 10 days after the loan was paid in full stating I would receive my title/lein release would be mailed to me within the next seven business days. As of today I have note received the title/lein release as promised. I did attempt to reach TFCU by phone but was unable to speak with a live person either a *** or supervisor, outstanding customer service per my expewrience over the last couple of years. Do not recommend anyone have anything to do with this unsatisfactory performormong financial institution.

  

  Business Response

  Date: 03/20/2025

  Tinker Federal Credit Union appreciates all feedback and will take it seriously. Due to privacy requirements and other laws, Tinker Federal Credit Union is unable to respond to the review publicly. We have reached out on the to address these concerns, but we were not able to reach you. Should you have additional questions or concerns, please call me directly. I look forward speaking with you about your concerns. Sincerely, ****** ****** SVP/Operations *************************** Office: **************.

  Customer Answer

  Date: 03/21/2025

   
  ********** ********
  
  I am rejecting this response because: Tinker Federal Credit Union is using arbitrary rules to cover their lack of customer service. ********************** flat out lied by saying they attempted to contact me, but to be honest their lack of integrity & professional accountability is shameful, and to include a military installation in your name is a slap in the face to any military service. Since BBB is unable to provide any satisfactory resolution, I will be contacting the State Attorney General and the *****
  
  Sincerely,
  
  ****** *******

  

  Business Response

  Date: 03/31/2025

  This issue is related to Case No. C************ in ****************. If you have any additional information, please contact the law firm at ************. 

   

  Customer Answer

  Date: 03/31/2025

   
  ********** ********
  
  I am rejecting this response because:  You are trying to hold information for one transaction, that has been settled per the terms agreed to by both parties, to another transaction that has nothing to do with another. Which looks like you are holding my ability to conduct future transactions hostage, to try and get a result from a previous transaction that did not work out the way you planned. I am not in the financial industry, but it sound like questionable business practices, and I am pretty sure that it may be against the law. So you can take this anyway you like but I will be contacting a lawyer, will be lodging a complaint via the ******************************, the Federal ***************** and the ****. Bullying and intimidation are not the business practices of an honest financial institution, which so far you have lived up to.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:01/14/2025

  Type:Sales and Advertising 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 obtained an auto loan March 2024. As required, I've had full coverage insurance the entire time. I had a $2k deductible with my previous insurance. I switched insurance in December and Tinker requested a copy of the dec page for my new insurance. They are stating it's their policy that my deductible max be $1k. This was not disclosed when I closed the loan. I've had this loan for almost a year with a $2k deductible with my prior insurance. I called to ask why I have to have a $1k deductible if I'm comfortable with $2k. The *** stated "its' their policy and would've been in the contract I signed." When I asked where, she placed me on hold. She then stated it wasn't in the contract but in the paperwork they sent me after I closed the loan. I asked how they can force me to have a $1k deductible with my insurance if it wasn't disclosed at closing it's a requirement and they supposedly sent me a document after the fact stating it's required. I would've chosen a different lender if that had been disclosed up front. I asked for an exception and she just stated no exceptions are made. It's unethical to require a max insurance deductible that is not disclosed on the contract or at the time of closing. I am comfortable with a $2k deductible and purchased gap insurance for a reason.

  

  Business Response

  Date: 01/17/2025

  Thank you for your recent communication.  Tinker Federal Credit Union (TFCU)appreciates any and all feedback.  Due to privacy requirements of the Gramm ***** ****** Act and other laws, Tinker Federal Credit Union is unable to respond to the review publicly, however, TFCU has responded privately to our member and the issue has been resolved. Thank you.
  

• Initial Complaint

  Date:09/17/2024

  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.

  We submitted a convenience check to pay a creditor in March 2024. The balance due was full paid on 07/24/2024 ($5,678.68). In Sept 2024, we received a statement reflecting a balance due reflecting past due cash advance interest for $29.83 and $25.27 purchases. The purchase *** is for an annual renewal fee ($25) however the interest charge is not correct. TFCU records show they continue to charge interest 08/09/2024 after the account was fully satisfied on 07/24. I called *************** at least three times, and nobody could give us a straight answer. They only wanted to say it is just calculated that way and placed blame on us. We requested the interest be waived since it was applied after we full paid the balance due. I went into TFCU ****** ******, and they provided me with the payoff figure, $5,678.68. TFCU customer service refused to eliminate the bogus interest and has still not provided any explanation.

  

  Business Response

  Date: 09/19/2024

  We reviewed this transaction, and it has been resolved.  Thank you for the feedback and we look forward to continuing servicing your financial needs.  

• Initial Complaint

  Date:09/11/2024

  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.

  Subject: Unauthorized Account Reported by ********************** FCU.What Happened:I am filing this complaint to dispute an unauthorized account that has been reported by--- TINKER FCU on my credit report. The account was allegedly opened on: February 21, 2020, under Account Number: ********. I did not open this account, nor did I authorize anyone to open it on my behalf. This fraudulent account is negatively impacting my credit score and financial reputation.Desired Resolution:I request that TINKER *** immediately investigate this matter, remove the unauthorized account from my ********************** report, and provide written confirmation of the removal. I also urge TINKER FCU to review their security protocols to prevent similar incidents in the future.

  

  Business Response

  Date: 09/16/2024

  We have tried calling the phone number listed on the complaint and it is not a working number.  An e-mail has been sent with our contact information for the member to call and discuss their account with **********************.  We look forward to hearing from the member.  Thank you.

• Initial Complaint

  Date:09/05/2024

  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 hope this message finds you well. I am writing to bring to your attention a concern regarding the ***orting of my mortgage payment with Tinker Federal.On August 30, 2024, I made my mortgage payment, ensuring it was completed prior to 30 days past due. The *** stated on payment date it was 28 days. I received confirmation of this payment being posted on the same day. Despite my efforts to maintain timely payments, I was surprised to find an inaccurate ***ort indicating that my payment was late, which has negatively impacted my credit score by 40 points.I have taken steps to address this issue by filing ***orts with both the ************************************ and the Better Business Bureau regarding the inaccurate ***orting. However, I believe it is essential for Tinker Federal to review this matter internally as well.The incorrect ***orting has significant implications for my family's future home purchase plans. I kindly request that you look into this situation and consider the evidence I have attached, which includes proof of my timely payment.Thank you for your attention to this matter. I appreciate your assistance in resolving this issue fairly.Best regards,

  

  Business Response

  Date: 09/09/2024

  The credit report has been updated to reflect the payment was made as agreed.

• Initial Complaint

  Date:07/17/2024

  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.

  This has been happening off and on now for the last three years!! For whatever reason, Tinker Federal credit Union decides to place stop payments on my credit card payments made online subsequently I get charged late fees and get dings on my credit report and trying to get this resolved with the customer. Service is nothing more than a joke. These ladies are rude. They hardly ever answer the phone and they dont seem to be there to help at all. They operate their delinquent balances policy like a mob boss. They take out there fees in such a way that any following transactions will create more fees. I had overdraft protection up to $1000, I was having another problem with them stopping payments so I sent in some negative feedback through their app and within two days a fiery female voice left a nasty message saying that if I wanted to put them down then She was going to remove my overdraft protection permanently. I didnt think one individual at a credit union had that kind of power but boy was I wrong. My overdraft protection was removed and any attempt to regain it has been denied. This place needs new leadership

  

  Business Response

  Date: 07/23/2024

  Thank you for your recent communication.  Tinker Federal Credit Union (TFCU)appreciates any and all feedback.  Due to privacy requirements of the Gramm ***** ****** Act and other laws, Tinker Federal Credit Union is unable to respond to the review publicly.  TFCU has provided contact information to the member of the *** of Lending for further assistance.  Thank you.

• Initial Complaint

  Date:07/11/2024

  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.

  Went into TFCU to make my auto payment and update my billing preference. Upon doing business the teller informed me that I am a month ahead of schedule and can skip a payment. After giving me my receipt of proof of payment it included my balance, but after calling back to get my payoff I was informed that my balance wasn't what was reported on the receipt, and the option of a payment being skipped wasn't in the system, with a indeed payment for the month. Horrible system error and don't feel I should be subject to the misinformation.

  

  Business Response

  Date: 07/16/2024

  Thank you for your recent communication.  Tinker Federal Credit Union (TFCU)appreciates any and all feedback.  Due to privacy requirements of the Gramm ***** ****** Act and other laws, Tinker Federal Credit Union is unable to respond to the review publicly.  TFCU has attempted to call the member and sent an e-mail and we have not received a response as of yet.  The member was provided a direct phone number to the *** of Lending if additional contact is required.  Thank you.

  Customer Answer

  Date: 07/16/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  I have not received any phone call other than the ** of that location, and he only called to explain what happened. Tinker is not accepting responsibility for their mistakes by hiding behind the *** Act. I have no voice messages of any contact reaching out. 
  
  Sincerely,
  
  *********************

  

  Business Response

  Date: 07/17/2024

  I tried to call the member once again and the phone number listed is not accepting calls nor does it allow for a voice mail to be left.  I have e-mailed the member again with my contact information.  *****************************/SVP, Lending ************.  Thank you.

• Initial Complaint

  Date:06/19/2024

  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 recently discovered that I am a victim of identity theft. While reviewing my credit report, I noticed an account that was opened in my name without my knowledge or consent. I immediately contacted the creditor to request proof of my authorization for this account. However, I have yet to receive any documentation or evidence from the creditor that verifies I initiated or authorized the opening of this account. Given the lack of evidence provided by the creditor, it is clear that this account does not belong to me and has been opened fraudulently using my personal information. Here are the details related to this incident that I found in my credit report.Account Name: ********************** FCU Account Number: ************ Opened Date: Feb 21, 2020 Higher Credit: $1,031

  

  Business Response

  Date: 06/21/2024

  Tinker Federal Credit Union takes this issue seriously. Due to privacy requirements of the Gramm ***** ****** Act and other laws, Tinker Federal Credit Union is unable to respond to the review publicly. We have reached out to address these concerns. We apologize for any inconvenience you may have experienced.  Please call me to answer your questions and address your concerns. I look forward speaking with you soon. Sincerely, ************************* SVP/Operations PO Box ***** TAFB, OK ***** Office: **************.

• Initial Complaint

  Date:05/04/2024

  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.

  My mother has Alzheimers disease. In the process of getting approval for long term care, 5 years of bank statements are required. My brother is joint account holder on the account, and we have a *** with my brother being the one in charge. Despite these two things, Tinker refused to give the bank statements needed. They found a minor discrepancy of a date on the power of attorney and refused to honor it. We have since sold a house (after an attorney review of the **** but it wasnt good enough for them. I get the feeling there would have always been some issue with the **** The *** should have never even been in the equation since my brother is a joint account holder. They took an already tragic situation and purposely made it worse.

  

  Business Response

  Date: 05/08/2024

  In January, 2024, TFCU received a request from DHS signed by your brother, who is not a joint owner on all of your mothers accounts, for 5 years of bank statements .  In order to complete the request to DHS, TFCU later received a *** naming your brother as the attorney-in-fact for your mother.  On January 22, 2024, TFCU honored the *** and mailed your mothers statements to DHS.   TFCU has received no additional requests from DHS. 

• Initial Complaint

  Date:04/30/2024

  Type:Delivery 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 paid off my jeep and they are not giving me my lien release acct number *************

  

  Business Response

  Date: 05/03/2024

  Due to federal privacy law, TFCU is handling the matter privately with the customer.