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

  9601 S Pennsylvania Ave Southwest Branch Oklahoma City, OK 73159-6911

  
• 

  Tinker Federal Credit Union

  6750 NW 39th Expy Bethany, OK 73008-2646

  
• 

  Tinker Federal Credit Union

  1620 Lonnie Abbott Blvd Ada, OK 74820-1855

  
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  Tinker Federal Credit Union

  3923 N Harrison St Shawnee, OK 74804-1426

  

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: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,
  
  *********************

• 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,
  
  *****************************