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:11/28/2022

  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 divorced my husband in 2018. He died 2/25/22. He left no will. His accounts/debts defaulted to our minor son (his only living heir). But bc our son is a minor & I'm the legal guardian, I filed a probate to take charge of my ex's estate. He banked at TCFU (& had 3 TCFU loans.) I was assigned a case manager, *************************. Normally, the estate admin (me) has access to estate bank funds, but because of the debt, TCFU took control of the funds in the ******************* them to satisfy 1 of the2 CC loans. They repo'ed the car to satisfy the car loan. The other CC balance was left to me because I co-signed the loan in 2015 (while we were still married.) My ex took care of this account up until his death. I never had access to the card, spending & never received statements. I asked TCFU to please write off the balance ($1,921.85) but they refused. I asked them to please write off the late fee's that incurred as a result of the card sitting in limbo after his death, but they refused. The card began negatively impacting my credit. They offered to settle the balance if I made a payment in full & I agreed. On 8/12/222, I walked into a ************************* and paid the FULL SETTLED AMOUNT of $1601.85. ***** said they would write off the remaining amount ($320) and close the account. I did receive a settlement letter 8/18/22. But in Oct I began receiving credit bureau notices and loan statements stating the account was still open w/ a past due balance of $320. ***** said he "made a mail codes error on his end and would fix it." He said the $320 balance is NOT MY RESPONSIBILITY. It's now ******* am STILL getting notices that this account is active with a past due balance of $320. My credit continues to suffer because of a "coding error" made by your employee. Every time we speak, he promises to fix his mistakes but they never get fixed. I am trying to move on with my life & purchase a home and cannot because of a mistake made by TCFU. Please fix it!

  

  Business Response

  Date: 11/30/2022

  We have researched this account and have verified the status at the credit bureau was updated on November 28th.  Management spoke with the member and explained what occurred and will follow up with a letter stating the current status of the account.  Should the member have any more issues she has the contact information for the *** of Lending. 

• Initial Complaint

  Date:11/23/2022

  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.

  This complaint is not against this particular branch or any other branch. Its with their insurance department concerning insurance on a vehicle I have a loan on. Letter of certificate of insurance has been provided several times. This has happened on every vehicles I have gotten a loan on. It seems they are running some type of scam to get money out of you for insurance that proof has been provided. Collection calls and only provides their first name and no employee number.

  

  Business Response

  Date: 11/29/2022

  We reviewed this complaint and determined a full refund was issued to the member on 11/25/2022 after insurance verification was received.

• Initial Complaint

  Date:11/23/2022

  Type:Product 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.

  Tinker sent a third notice by mail asking proof of insurance on water craft per contract signed, when I called to send proof tinker had already applied ****** to my loan with out my approval prior. I never received the two notices they sent by mail. I never received a call or any indication they just add funds as in debt to my loan.

  

  Business Response

  Date: 11/28/2022

  I talked with the member about this complaint, and we discussed the chain of events which occurred.  Once a final review of all correspondence is complete I will follow up with the member.

   

  Thank you,

  *****************************

  Customer Answer

  Date: 11/29/2022

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

• Initial Complaint

  Date:08/30/2022

  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.

  Due to the fact that my Landlord in Mustang Ok. was selling the home to where i was residing, I was forced to move. Not finding a home nor a job in Oklahoma, Mywife and I moved to Clearwater Florida. this occurred on May 1, 2022. I had 2 vehicles financed with Tinker. On July 18, 2022 I sold one of the vehicles (2017 Jeep Cherokee). The 2nnd vehicle a 2020 Nissan Pathfinder I kept. The night of July 18, my wife passed away. This is where the problem lies. When I went to register my vehicle in Florida, they told me that since my wife was on the title she would have to sign the new title. I advised them that she had passed. I was then told that I would have to notify the bank (Tinker Federal) and request that they allow me to remove my wifes name from the title. In speaking with the bank, I was told that thgey could not remove her name unless the loan was refinanced. since my credit was not up to their standards and me owing more than what the car was worth, they could not refinance the car. I went back to the Florida Tag agency, and they advised me to obtain from the bank on bank letterhead a letter stating that they wanted my wife's name to remain on the title since she was on the loan, even though she had passed away. I asked the bank for this and got a run around and some excuse of the bank not having such a form. This is not a form, but a letter just stating for Florida to keep my wife's name on the title until the loan is paid off. Now, being that I cannot receive the cooperation of the bank I am driving around with expired Oklahoma License plates on my car which is leaving me open for an expensive ticket, impounding of my car, loss of my license, possible arrest and loss of my job. IWhatgets me is that I have been dealing with Tinker for 14 years and this is how they are treating me. They are still receiving their payments every month, I have no intention of not paying on the car, I need it to get back and forth to work. Thank You, Gerald Ferra
  

  

  Business Response

  Date: 09/06/2022

  TFCU has provided the member with proper documentation to clear the issue at hand.   We do apologize for the inconvenience this has caused ************** during such a difficult time.  We continue to work with ************** and appreciate his feedback.    

• Initial Complaint

  Date:07/19/2022

  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.

  We had a car loan with them that we refinanced. However, they insisted that we switch to their *** insurance (which when I went to the car dealer to cancel the ***...they warned me to not do so...but the interest rate was lower so we did).Well, my daughter was in an accident and the car was totalled. The *** went back through all the years of the loan looking for late payments, fees, our deductible, etc. Anything they could find and ended up saying they didn't have to pay and that we still owed TFCU over $1000.We went in and talked to several people to no avail.Later, when we went to buy another car we found they had reported the $ as a repo...not a missed payment. But the worse thing is they hit my credit every month now for $1500.

  

  Business Response

  Date: 07/21/2022

  TFCU management has spoken to the member and discussed the issue at hand.  The member and TFCU have resolved the issue and consider the matter closed.  Thank you, ***************************** SVP/Lending

  Customer Answer

  Date: 07/22/2022

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

• Initial Complaint

  Date:06/30/2022

  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.

  We financed an off road vehicle through TFCU last fall. It was financed in my name with my wife, ********************* as a second signer. When the first payment was due my wife called them to make the payment over the phone with a debit card in her name . They would not accept the payment because the debit card was only in her name. After many phone calls inquiring why we can't make a payment this way, nothing was resolved. We were able to make one payment with a check ( only in my wife's name). Future payment attempts were rejected over and over with the debit card. Now we opened a new account with their partner credit union in our home town, solely for the purpose of paying past due amount in full and for future payment drafts.. only to be told they also will not accept that since they have moved our account for repo. We have tried 9 ways to Sunday to make our payments to this agency. We have Never experienced this level of difficulty to make payments. We've always had the money for the payments,, always tried to make the payments and have been shut down every single time. Now they want to repossess it while we're on the phone trying to pay everything owed , in full! We are beyond bewildered, frustrated and simply over it . Please help resolve this issue

  

  Business Response

  Date: 07/05/2022

  When this complaint was received we reached out immediately to **************** and were able to get everything resolved on the same day.  I placed an additional phone call today, July 5th to follow up and make sure **************** had been provided with a proper resolution and he said yes, everything has been taken care of to his satisfaction.     

• Initial Complaint

  Date:06/27/2022

  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.

  Upon working through the process of financing a house, Tinker Federal Credit Union informed us that we could use a gift of equity to cover the closing costs and down payment for the house. We were excited, but skeptical because the gift of equity, as explained to us by Tinker Federal Credit Union, sounded too good to be true. We contacted our loan officer and explicitly asked her if we would have to pay any closing costs or down payment and double checked that despite us not having to pay any of the above, the seller would still receive the full sell price. Our loan officer assured us that we would not have to pay for closing costs or the down payment and that the seller would still receive the full amount requested. After learning of this and discussing it with the loan officer we asked her to help us rewrite the purchase contract to include the gift of equity. She told us that the purchase price for the house was to remain at it's original stated value, she also told us where in the contract to include the gift of equity and the language we should use in the gift of equity. After turning in the purchase contract and moving along with the loan process we spent the money we had saved for a down payment on housing repairs. Soon after this we closed on the house. The seller called me a few days later and informed that the gift of equity had been subtracted from the amount paid to them by Tinker Federal Credit Union. Tinker refinanced our loan but now informed us that covering closing costs meant we pay for them by rolling them into the loan. Since we had already spent the money we had previously saved we are now forced to roll them into the loan the interest of which will amount to over $9k. Tinker has refused to take any responsibility or any steps to rectify their mistake, they are instead making us pay for their mistake. If interest rates weren't rising we would start over with someone else. We have spoken to management, but they are combative and unhelpful.

  

  Business Response

  Date: 07/01/2022

  TFCU conducted a comprehensive review of Mr. ****** complaint.  It has been determined all proper disclosures documenting purchase price, closing costs and fees associated with the mortgage loan were provided and all timing requirements were met.

  Customer Answer

  Date: 07/01/2022

  
  Complaint: ********
  
  I am rejecting this response because:

  A Tinker Federal Credit Union employee improperly described how the Gift of Equity worked. We asked the employee how to write the purchase agreement, the amounts that were to be written on the purchase agreement and the language and placement for the gift of equity on the purchase agreement. We were told, more than once, that we would not be paying closing costs or a down payment. In the end the purchase agreement was written incorrectly, and the seller was shorted $22,000 and further we did have to pay closing costs in the form of a loan. We were repeatedly told that the seller would receive the full amount and that we would not have to pay closing costs, both of these ended up being untrue. Tinker refused to take responsibility for their actions or do anything other than stick us with the additional costs created through their mistake. A second employee of theirs told us that the mistake was our fault and due to our misunderstanding of the gift of equity. We had never even heard of the gift of equity prior to the mortgage process and were walked through the gift of equity step by step by a Tinker Federal Credit Union employee. I would strongly advise against using Tinker as a lender, not only did they mislead us they refused to take responsibility for their mistakes. 
  
  Sincerely,
  
  *******************

  

  Business Response

  Date: 07/12/2022

  TFCU management has spoken with ************** on several occasions.  As stated previously, all disclosures were provided which reflected the loan amount, closing costs, fees, and funds to the seller. The members signed these documents and closed the loan without notifying TFCU of any discrepancy.  When TFCU was  notified of the shortage to the seller almost one week later, TFCU and the title company worked with the ****** to find a resolution with a second loan closing.  The second loan closing has taken place and TFCU considers the matter resolved.  Thank you. 

  Customer Answer

  Date: 07/13/2022

  
  Complaint: ********
  
  I am rejecting this response because:

  
  The issue was never resolved. Worse than this, ***************************** tried to make us feel that the entire misunderstanding was our fault. We were repeatedly told, through phone and email, that the gift of equity would cover our closing costs. Since we were told this repeatedly, we spent our closing costs on housing repairs. After the first closing, the seller was shorted $22,000, which evinces the fact that Tinker made a mistake since the purchase agreement for the house was written with guidance from Tinker. Upon having to go through the process a second time, we did not have closing costs,and even though we turned over emails and phone conversations stating that the gift of equity would cover closing costs, Tinker did nothing to rectify their mistake. Since we did not have the money for closing costs, Tinker informed us that the gift of equity allowed us to push the closing costs into the loan,which is what we had to do. The issue with this is that we now have to pay interest on the closing costs over the life of the loan; this interest amounts to over $9,700. Due to Tinker's inability to give proper guidance we will have to pay an extra $9,700. Tinker is profiting from their employee's mistake in the form of additional interest. 
  
  We did the second closing with Tinker only because interest rates are rising, and Tinker is bound to honor their initial interest rate. I have banked with Tinker my entire life, but I am now in the process of ending my relationship with them, and I will never use them as a loan provider again. ***************************** told us that we misunderstood what the word "covered" meant, and thus, the entire misunderstanding was our fault.She was rude and combative, which is why I will not work with Tinker again. Not only did they mess up our loan, but they also refused to take responsibility,allowed their employee to blame us, and will now profit from their mistake.

  Sincerely,

  *******************