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

  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

  
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  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

  
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  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:07/12/2023

  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 financed a car through TFCU since 9/21/2021. Throughout these almost 2 years the car has been insured through various insurance companies always carrying between 2k-2.5k deductibles and have never had any notice that this was an issue that needed correction or had charges as a result. However upon changing companies again in 12/08/2022, Starting 02/10/2023 CPI charges have begun to be applied to our loan which in turn has been reducing our credit by over 100 points. We weren't properly told until 06/07/2023 that these charges were being applied due to the deductible being too high, and needing to be lowered to 1k. Even upon lowering the deductible they refuse to remove prior months worth of CPI charges amounting to 780$. This is the exact same coverage we've carried on this car for the prior 2 years with zero issue. We've been getting run into circles about this issue where TFCU attempts to lay blame on our current insurance company, or prior companies while they fraudulently charge us for CPI when the car has had full comprehensive coverage the entire time of ownership, and had never once in the prior 2 years until 3 weeks ago been told that the deductible amounts we carry are too high.

  

  Business Response

  Date: 07/14/2023

  Thank you for your recent communication.  Tinker Federal Credit Union appreciates any and all feedback.  I have left a voice mail and sent an e-mail with my contact information to our member to discuss the situation further.  Due to privacy requirements of the Gramm ***** ****** Act and other laws we are unable to respond publicly to the review.  

• Initial Complaint

  Date:06/10/2023

  Type:Order 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 paid two Tinker accounts off 9/21/2022. Tinker continued to report late payments to my credit bureaus. I have receipts and letters from Tinkers own Attorney which I attached showing they were paid in full. Tinker asked I send them proof which I did 12/15/2022. However, they still were reporting wrong until I got my attorney involved. Currently Transunion and Equifax show correct, but Experian does not. Experian shows the last payment being in Sept 2022, but then shows late payments for Nov and Dec *********************************************************************************** full in September 2022? The accounts state a certain amount was written off which again is incorrect. The accounts were paid in full and should reflect that. This has ruined my credit score and approval with other lenders due to Tinkers disorganization and lack of communication about this matter. Tinker had me reach and send information to one of their local OKC attorneys on 12/15/2022 also which I did and the individual **** was not only rude but did not understand the difference between a paid account and a settlement and was no help. I am giving Tinker one more chance to resolve this and correctly report to Experian before I file a FCRA complaint and a lawsuit.

  

  Business Response

  Date: 06/13/2023

  Thank you for reaching out to us, we appreciate the opportunity to correct any issues.  Due to privacy requirements of the Gramm ***** ****** Act and other laws, Tinker Federal Credit Union is unable to respond to the review publicly, however, we have spoken with our member and provided information on the subject.  We have also provided direct contact information of the *** of Lending should the member need to contact someone directly.  Thank you.

• Initial Complaint

  Date:05/09/2023

  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 made payments on auto draft. No payments were missing. I received several letters about proof of insurance, which I provided. There was no lapse in my coverage from when I bought the Sea-Doos. They filed a subpoena to repo the seadoos, and want me to pay $2280 to remove the repo status. There is no reason to justify this amount. It feels like extortion.

  

  Business Response

  Date: 05/10/2023

  Thank you for your recent communication.  Tinker Federal Credit Union appreciates all feedback.  Due to the privacy requirements of the Gramm ***** ****** Act and other laws, TFCU is unable to respond to the review publicly.  We have reached out privately to our member.  Thank you.  

• Initial Complaint

  Date:05/04/2023

  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.

  On 5/2/2023 my truck was stolen out of my driveway. Turns out it was for a fraudulent repossession from a 3rd party when i clearly have paid my vehicle off and have a free and clear title with no liens or encumbrances owed. This is completely unacceptable and i cant even reach the 3rd party company. They stole from me and cost me work and have all my credit and debit cards in the vehicle. They are thieves

  

  Business Response

  Date: 05/05/2023

  Thank you for the recent communication.  Tinker Federal Credit Union (TFCU) has talked with the member and provided additional information on the matter.  Due to privacy requirements of the Gramm ***** ****** Act and other laws, TFCU is unable to respond to the review publicly.  However, TFCU has responded privately with the member and provided contact information for the *** of Lending.  Thank you.

• Initial Complaint

  Date:04/14/2023

  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.

  TFCU informed me that a new contactless card would be issued to align with updated technology. I received the new card, activated it, updated ****************, and destroyed old card. The new card has the same number but a different CVV and expiration date. To my amazement, the old card is still activate and has the ability to be used creating the potential for fraud.I called the customer service number and was told that the old card would remain active and that I, as the customer, would need to monitor my account and file dispute charges for anything that was not authorized. The rep also mentioned that if a merchant held the old card number in their system, it could be charged as a valid transaction medium. How irresponsible and deflecting to put this burden on the customer who did not request the card. At a minimum the credit union should have created a new number. However, if I want that option, I need to go into a branch and follow the process. This is not good customer service or advocacy. This doe not promote account security and a HUGE fail.

  

  Business Response

  Date: 04/18/2023

  We have taken action on behalf of the member to deactivate the old card and are working with our vendors to rectify the issue.  Protecting our members funds are a top priority.  In addition, I spoke with the member and provided my name and phone number in the event she needs further assistance.  We appreciate our members feedback! 

• Initial Complaint

  Date:03/27/2023

  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 am member *******. On 03/21/23, I attempted to purchase gas at an OnCue after receiving my new TFCU debit card. The pump kept canceling. I had to pay in cash. I contacted TFCU customer service the next day, and they told me the problem would resolve in ***** hours. I was able to use my card at other establishments, and so I thought the problem was resolved. On 03/27/23, I stopped for gas in ******** and the pump reader refused to process or eject the card. The card was physically restricted from exiting. I want to the gas attendant, who claimed I had pumped gasoline and and owed her $8.14. No gas had been pumped. After speaking with her manager, I was able to pump $20 worth gasoline 45 minutes later.After leaving the station, I called TFCU customer service. A **** ******** claimed the problem would be resolved in ***** hours. I explained that was exactly what I was told last week, and I did not believe her. She directed me to visit a branch to get a new card. In addition, she observed that I had been charged $195.04 in five transaction at the gas station.I drove to the branch at *******************************************************. I realized the representative failed to to disclose the branch did not open until 9:00AM. Since it was 8:34AM, I went to the drive-thru. A manager created a new card and gave it to me at the drive-thru. Unfortunately, the manager required me to enter the branch to file the fraud complaint; however, she proceeded to make me wait outside until the branch opened. When the branch finally opened, no customer service staff was in the branch. The manager had disappeared. The security guard manually located an employee to help me. He proceeded to help me file the fraud complaint.The TFCU rep on the phone were uninformed, condescending, and unhelpful. When it becomes obvious the same solution did not work, giving me the same pat response is insulting. I was promised by ******* that her a supervisor would contact me by 6:30PM today. That did not happen.

  

  Business Response

  Date: 03/30/2023

  We have contacted the member and addressed her concerns. We apologized for any inconvenience our member may have experienced. Should the member have additional questions or concerns, our member can call me directly. We appreciate our members business and look forward to our future relationship with our member. Sincerely, ************************* SVP/Operations PO Box ***** TAFB, ** ***** Office: **************.

• Initial Complaint

  Date:03/11/2023

  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.

  On march eighth at twenty twenty three I applied for an autolone through tinker federal credit union. This Loan was denied reasoning being that I had a bankruptcy within less four years and i'm in delinquency. My issue seems from the fact the one that I was not called an informed that my auto on I requested was denied and when I question the loan officer about it her response was well we have too many loans come in we don't call on denials.well that's not only rude it's an ethical and professional. The reason I say it's unethical and I'm professional is because somebody trying to get an auto loan is somebody who is trying to get to work I went to tinker credit Union directly I didn't go through a dealership so only had one interest and that was the villa tinker credit Union. For them to deny me based off a delinquency is ******** I am not the linguist I have several student loans in the firm it but there is a huge difference between the linguist and affirmative.the lower officers attitude about she could really give it a **** and I was disposition her by calling in the follow-up on my loan Is even more frustrating.the other thing there is you didn't even give me the option by calling me and talking to me about it to say hey I have a co sign or I might have a cosiner. And then when I dispute having the linguances on my credit report which I don't I have to firmyce which is a big difference you're rude with me and tell me that I do that's not right that's not customer service part of being a bank part of offering loans as servicing alone and providing somebody with respect. And then you're denial letter is a joke quite literally the only reason I understood that it was a denial letter is the fact that I talked to your loan officer already because the letter literally just tells me I can file for a copy of my credit report. After this encounter i'm not sure how much more business I want to do with tinker federal credit union the service was a trotious.

  

  Business Response

  Date: 03/14/2023

  I appreciate the member's feedback on this matter.  I spoke with them personally and apologized for the service provided as this does not represent the service level we expect.  We have taken steps to improve our member experience and I provided my name in the event they need assistance in the future.

• Initial Complaint

  Date:02/27/2023

  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.

  Since 02/15/23, I have been trying to get ANYONE at TFCU to call me about this ongoing issue which involves unpredictable and unacceptable navigation issues with their Home Branch web site. The crux of the issue is with accessing credit card information which I monitor daily. After logging on, I click **** Signature then I click on Credit Cards..this is when I am IMMEDIATELY logged off/kicked out of Home Branch with this message "Your Session Has Expired/Ended.Please Close The Page!" which continues the cycle of logging off and back on until I'm finally able to get to the information needed. In addition, once I actually do gain access to my credit card information and attempt to navigate back to my dashboard by using the back-arrow I see a popup message stating "We Cannot Complete That Action". Even though I have repeatedly provided my phone number and preferred contact days/times and asked to be contacted via phone, I keep getting the following inane email responses: 02/15/23-Thank you for your inquiry!To better assist with this we will need further details. Please contact ****** Services at the number below, or by utilizing our online Live Chat feature by going to *************************************************** we will be happy to help! 02/18/23 - Thank you for following up with us! We appreciate your membership and value your feedback. Your concerns have been forwarded to the appropriate teams. If you wish to further discuss your experience with a supervisor, please respond with your phone number and the best time to reach you. If you have any further questions or for immediate assistance, please contact ****** Services at the number below and we will be happy to assist! 02/27/23 - Thank you for following up with us! We appreciate your membership and value your feedback. Your concerns have been forwarded to the appropriate teams. If you have any further questions or for immediate assistance, please contact ****** Services at the number below and we will be happy to assist!

  

  Business Response

  Date: 03/01/2023

  We have been in contact with the member and are working through the technical difficulties being experienced.  We appreciate the members feedback in bringing this to our attention and their assistance in getting this matter resolved.  The member can contact *****************************, SVP, Lending at ************ if the issue is not resolved in a timely manner.

  Customer Answer

  Date: 03/01/2023

   
  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.
  
  Sincerely,
  
  *****************

• Initial Complaint

  Date:01/05/2023

  Type:Billing 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.

  I called early January 4th, **** when I realized my motorcycle payment over 900 dollars had been charged twice. I asked them to remove one and they refused. Now I am short on my finances.

  

  Business Response

  Date: 01/09/2023

  Thank you for this member review. We have completed our research, contacted the member, and addressed her concerns. We apologized for any inconvenience our member may have experienced. We appreciate our members business and look forward to our future relationship with our member.*********, ************************* SVP/Operations ***************************** Office:**************

  Customer Answer

  Date: 01/09/2023

   
  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. Never before has Chase ever allowed duplicate charges to get past the pending stage. I even called for help while it was still pending and could not get help. I think it has all become a farse.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:12/14/2022

  Type:Billing 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.

  I have a car loan with the credit union. They tacked CPI Insurance ca. $800 onto my loan The contractor they hired to verify insurance is too lazy to actually contact my insurance company by phone or email. I have had loans with TFCU for the last four years. I have had the same insurance company the last four years. This is the 3rd or 4th time this occured. The last time the credit union apologized and promised to get their contractor under control. The Last time this happened my credit score dropped almost 100 points due to the precieved increase in debt on the loan.

  

  Business Response

  Date: 12/16/2022

  We have reviewed this complaint and have issued a full refund.  I have e-mailed an explanation of what happened and provided my contact information should the member have any other questions. 

  Customer Answer

  Date: 12/19/2022

   
  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.

  The business should hold their name in higher esteam. Allowing a third party contractor to abuse their customers in a way that directly affects credit scores and credit worthyness is inexcusable. This 2nd time the apologies were quicker to be issued. I can only hope they don't ring empty as they did 6 month ago.

  
  
  Sincerely,
  
  *********************