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

  301 36th Ave NW Norman Branch Norman, OK 73072-4702

  
• 

  Tinker Federal Credit Union

  1401 N Kelly Ave Edmond Branch Edmond, OK 73003-3931

  
• 

  Tinker Federal Credit Union

  6501 Tinker Diagonal Midwest City, OK 73110-2910

  
• 

  Tinker Federal Credit Union

  PO Box 45750 3001 North End Tinker Afb, C-1 Tinker Afb, OK 73145-0750

  

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:08/29/2025

  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.

  Insurance verification, letter of declaration was provided several times via on-site a bank branch and per tinkerimconvered.com.
  
  They never resolved this and keep harassing me even after I provide evidence of insurance, their third party is not providing adequate service.
  
  First issue was the insurance declaration letter did not list Tinker as the financial institution
  2nd the complete vin number was not list. All more reasons to continue to charge for insurance and to get more money from me.
  
  All, these issues have corrected by Progressive Insurance and still Tinker wants to charge me for insurance coverage and will not remove it from my account.

  

  Business Response

  Date: 09/05/2025

  We appreciate your feedback, and we take it seriously. I have not been able to reach you to discuss your concerns. I remain available at your convenience and would appreciate the opportunity to speak with you. Please call me directly at ************. I look forward to speaking with you about your concerns. Sincerely, ****** ****** SVP/Operations 

• Initial Complaint

  Date:08/24/2025

  Type:Customer Service 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 Federal Credit Union will not reimburse us $53.78 we filled a non fraud claim they denied saying there are no valid dispute reasons to proceed on your behalf to request the payment to be returned when we have proof that the hotel reservation got canceled we should have not been charged $53.78 2 months in a row we sent everything to Tinker they should have refund us the $53.78 instead they are denying the claim my husband went under ********** and canceled the hotel reservation not our fault that hotels.com did not call the hotel to cancel the reservation. I have sent the cancellation document to Tinker like they requested still denied our claim I disagree with their decision. My husband had to get another hotel room because of him having a flat tire on his way to Gallup New Mexico.

  

  Business Response

  Date: 08/28/2025

  I attempted to contact the member to discuss her complaint; however, she was unable to speak and disconnected the call before I could provide her with my her information. Tinker Federal Credit Union (TFCU) values all feedback. Due to privacy requirements outlined in the Gramm-Leach-Bliley Act and other applicable laws, TFCU is unable to respond publicly to reviews. If the member would like to reach out directly, please feel free to contact me at ************. My name is ****** ********, SVP of Lending at Tinker Federal Credit Union. Thank you.

  Customer Answer

  Date: 09/01/2025

  
  
  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:08/01/2025

  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.

  They've had a system down and they're holding my SSI check hostage with their faulty systems won't give me any information holding my entire funding all my bills are getting behind and I'm getting late fees for everything I barely can afford it now I'm handicapping and I can't do anything

  

  Business Response

  Date: 08/04/2025

  We apologize for the system outage. TFCU's systems were restored
  by the end of the day on Friday, and funds are now fully accessible. If you have any questions or need further assistance, please contact me at ************. 

• Initial Complaint

  Date:06/23/2025

  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.

  6.23.25
  I was contacted by tinker federal about a past due payment but I was in the impression my monthly payment has already been taken care of. After responding within a hour I was notified about $9.95 balance. I explained to the representative on 5.27 when I made my last payment to make sure I had also taken care of the June payment due 6.16. She miscalculated which caused the shortage in payment. After responding to the call I was informed the bank chose to defer my payment to the next month which inquired additional fees and payments without my permission acknowledgment (despite still being within my 10 day grace period which I would have gotten a late fee on 6.26). The supervisor told me this is there standard policy if it’s under 10$

  

  Business Response

  Date: 06/27/2025

  Thank you for bringing this matter to our attention. After further review, we found that TFCU corrected your account as per your request on 6/23/2025 following your discussion with the Collections supervisor. We consider this matter resolved. Thank you.

  Customer Answer

  Date: 06/30/2025

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

• Initial Complaint

  Date:06/12/2025

  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.

  On a daily basis I'm being called 4 to 5 times a day for a person who does have my phone number . Phone belongs to me. Called tinker several times told them you got the wrong number and they still call me like I'm hiding the person they are looking for in my closet I am not. You would think they would know who they are calling but I guess not . What a poor way to do business especially being a banking institution. I'm looking in to taking them to court for the harassment

  

  Business Response

  Date: 06/12/2025

  We have confirmed that this number was called yesterday. Upon discovering it was incorrect, it was promptly marked as 'do not call.' We apologize for any inconvenience this may have caused and appreciate you bringing this matter to our attention. Thank you.

• 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:11/23/2024

  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.

  My *********** had an account for 14 years with TFCU. Never had a problem until recently & are infuriated. We had a negative share loan many times & never had a problem. Last month they took what we had in our account to pay it on the 30th & the rest was on the first when my husbands check is always deposited on. This month they did the same thing but closed the account. Saying we defaulted the loan & wrote it off & closed it until it was paid in full. They have never done this before & we had checks out that were returned because it was closed. The loan was paid off the next ********* could open another account but it wouldnt have overdraft like our other account. This wasnt fair & we always paid our fees & loans off. We decided not to open one up again.

  

  Business Response

  Date: 12/02/2024

  We have reached out to the member in an attempt to address these concerns. We apologize 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. Sincerely, ****** ****** SVP/Operations *************************** Office: **************

• 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.