Complaints

This profile includes complaints for GTE Financial's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  GTE Financial

  711 E Henderson Ave Tampa, FL 33602-2509

• 

  GTE Financial

  PO Box 172599 Tampa, FL 33672-0599

• 

  GTE Financial

  2201 James L Redman Pkwy Plant City, FL 33563-7114

• 

  GTE Financial

  702 N Franklin St Ste 100 Tampa, FL 33602-4402

• 

  GTE Financial

  1209 W Mlk Blvd Seffner, FL 33584-4543

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:07/16/2025

  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.

  On 07/14, I was approved for an auto loan through GTE Financial. In order to finalize and execute the loan, I was informed that I needed to establish a membership with the credit union. During the process, GTE Financial reviewed my ChexSystems report. While I do not owe any money to any banks, I was advised that there were inquiries listed. Despite this, the loan officer worked diligently on my behalf to get my membership approved.After about 12 hours, I was notified both through the website and confirmation from the loan officers manager that I had been approved for a regular savings account and membership. However, I was later contacted and informed that GTE Financial would not be moving forward with either my membership or the already-approved vehicle loan. This was extremely confusing and frustrating, as I had received clear communication that my membership was successfully opened.I was excited to begin building a long-term relationship with GTE Financial and had hoped to establish trust for future lending needs. This experience has left me disappointed and seeking clarification on why a decision that was confirmed and approved was ultimately reversed without proper explanation.

  Business Response

  Date: 07/21/2025

  Dear ***** *******,

  Thank you for bringing your concerns to our attention.

  We have reviewed the recordings of the two phone conversations that took place on July 14, 2025. The first call occurred at 2:42 PM and lasted 43 minutes and 55 seconds. During this conversation, there was no indication that our employee stated you had been approved for membership with ***. You expressed interest in opening a Go Further Checking account, but it was noted that you had previously been declined due to information reported by ***********. The employee explained that a separate application would be required in addition to the one submitted for the auto refinance loan.

  The second call took place at 5:41 PM and lasted 4 minutes and 21 seconds. During this call, the employee informed you that we are currently unable to approve your membership application, which also meant we could not proceed with the auto refinance loan. Before the call ended, you acknowledged the reason for the denial and mentioned that you would work on resolving the issue and follow up with us at a later time.
  Below you will find the email that we sent, it states you are approved pending the following items.

  
  *****,

  
  Congratulations! Your Auto Refinance with GTE Financial has been Credit Approved, pending the following items: 
  
  Copy of Vehicle Registration
  Proof of Insurance (Declaration Page or ID Card)
  Copy of Drivers License all registered owners
  Payoff Letter from current finance company that holds auto loan (Should include account #, name on account, address to mail payment to, and 10-day payoff amount with per diem) or last statement if unavailable.
  Exact, current mileage of vehicle (can be listed in the body of an email)
  2 References (Name, Address, Telephone) 
  Proof of income (2 most recent paystubs within 30 days)
  Please confirm your housing information
  status (rent, own, live with parents, other(if other please provide brief explanation))
  how long you have lived there?
  monthly obligation amount (rent, mortgage)?
  
  
  You may upload documents directly to your application clicking here (this link expires in 6 days). Alternatively, item(s) can be emailed to ************************************* Please be sure to reference your application # ******* for emailed documents.         
  
  If you have any further questions or require additional assistance, please do not hesitate to contact us.
  Sincerely,
  GTE Financial

  
  

  Customer Answer

  Date: 07/21/2025

   
  Complaint: 23606913
  
  I am rejecting this response because:
  
  when I went on your website to check the status of my application for membership it said I was approved for regular savings , go further account. I also mentioned that on the call with the representative but ironically you guys left that part out! 
  Sincerely,
  
  ***** *******

  Business Response

  Date: 07/24/2025

  Dear ***** *******,

  Thank you for bringing your concerns to our attention.

  Unfortunately, we werent able to approve your auto refinance loan at this time due to information received from *********** during your application review. Once the issue with ChexSystems is resolved, youre welcome to reapply for both *** membership and the refinance loan. Wed be happy to assist you with the process when you're ready.
  
  If you have any further questions or require additional assistance, please do not hesitate to contact us.

  
  Sincerely,
  GTE Financial

  Customer Answer

  Date: 07/24/2025

   
  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:07/03/2025

  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.

  My credit card was hacked 10/2024. I contacted *** and set up automatic withdrawals and thought my payments were active. Apparently this never was processed. My vehicle was repossessed two weeks ago and I have left 10 messages for the repossession department and am still waiting for a response. I never received a letter regarding the problem. I have personal items in my vehicle. I have been left unable to communicate with anyone regarding this problem.

  Business Response

  Date: 07/08/2025

  Dear J **********,

  Thank you for bringing your concerns to our attention.

  After reviewing the notes in our system, it appears you spoke with a representative on July 3, 2025, at approximately 12:48 PM. During that conversation, we explained that we had attempted to contact you on June 27 regarding your auto loan, but were unable to leave a message.

  We have since provided you with a payoff quote that includes the total amount due, along with the applicable repossession fee. This payoff is valid through July 11; however, were happy to extend the deadline if you need additional time.
  If you have any further questions or require additional assistance, please do not hesitate to contact us.

  Sincerely,
  GTE Financial

• Initial Complaint

  Date:07/02/2025

  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.

  I am writing to bring to your attention a fraudulent account that has been opened in my name with GTEFINANCIAL . I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: GTEFINANCIAL Opened Date: 11/28/2023 Account *****************High **********************: $42,784 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.

  Business Response

  Date: 07/08/2025

  Dear ******* ******* Jr,

  Thank you for bringing your concerns to our attention.

  The vehicle loan in question was initiated at ****** of *********** on November 19, 2023, with two applicants listed, yourself included as a joint owner. Our records contain a copy of your drivers license, along with a signature that matches the ** on file.

  Additionally, we have extensive documentation in our system from April 3, 2024, through June 16, 2025, reflecting ongoing communication with our collections department. At no point do these notes indicate any suspicion or report of fraud.

  Based on the above at this time, there will be no removal of this tradeline from the credit bureaus. If you still feel strong about this account being fraud, you can file a report with the Federal **************** (FTC) and the Consumer Financial ***************** (CFPB). Additionally,we will need a police report filed with your local law enforcement and provided copies of these documents to our fraud team to initiate a fraud investigation.
  If you have any further questions or require additional assistance, please do not hesitate to contact us.

  Sincerely,
  GTE Financial

• Initial Complaint

  Date:06/09/2025

  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.

  Im not liable for this debt with GTE Financial I do not have a contract with GTE Financial, and they did not provide me with the original contract as requested.

  Business Response

  Date: 06/10/2025

  Dear ********** *******,
  
  Thank you for bringing your concerns to our attention.

  
  Our records indicate that your credit card application was approved by GTE Financial on September 16, 2022. Internal documentation confirms your identity was verified and that you requested to apply for a credit card. Additionally, we have a scanned copy of your Florida driver's license submitted with the application.

  
  At this time, GTE Financial will not be removing this credit card from your credit report. If you believe this information is inaccurate, we recommend submitting a dispute directly to the credit bureau as the next step.
  

  If you have any further questions or require additional assistance, please do not hesitate to contact us.
  Sincerely,
  GTE Financial

• Initial Complaint

  Date:05/05/2025

  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.

  There was a late payment recorded on my credit and I have been with *** since 2021 and always made my payments on time. I asked the if they could please remove this one late payment in March from my credit report. I was in the middle of buying a home and this completely ruined our chances. I called multiple times and promised a call back from **** but nobody ever called me back. It was like they simply didnt care. We are still trying to get this one payment off since my family is not renting a house until my credit goes back up. Im very frustrated that its been over 30 days and not one follow up call to let me know whats going on.

  Business Response

  Date: 05/06/2025

  Dear Mr. ***** *****,

  Thank you for bringing your concerns to our attention.

  Our records indicate that as of March 24, 2025, your credit card account was 35 days past due. On April 2, 2025, you contacted *** and acknowledged that you were aware of the delinquency and had overlooked the payment. During this call, we clarified that the late payment was not due to any error on GTEs part.

  As a result, we are unable to make any adjustments to the credit reporting. We are required to report payment history accurately, and in this case, there was no reporting error made by GTE.
  
  If you have any further questions or require additional assistance, please do not hesitate to contact us.
  Sincerely,
  GTE Financial

• Initial Complaint

  Date:04/14/2025

  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.

  I'm unable to log on to my account please see the attached photo. I've tried to contact member services which is supposed to be 24 hours and whenever I go through the automatic prompts on the phone the phone call ends before anything happens. I would like someone to contact me to assist me in this.

  Business Response

  Date: 04/14/2025

  Good afternoon ******, 

  We are having an advocate reach out to assist you with your online banking. 

  Thank you, 

  GTE Financial 

• Initial Complaint

  Date:03/19/2025

  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 been with GTE for over 20yrs. In the past year Ive noticed an increase in fees. Within the last month I have been charged $210 in over draft fees. The first $35 I had money in my account but per GTE I did not when charge was pending. I was then charged a second $35 charge for $10 because my account went into the negative because of the first charge. I attempted to go into the bank on ****** to get hard copy proof that I had a pending charge (as that was the reason they were saying I deserved a fee) and spoke to an assistant manager by the name of ***** who was rude and never even bothered to look up my account only directed me to go see a teller and close your accountMy husband and I opened an account with another bank and had everything transferred over. On 3/07 I went into the bank to close my account but could not because I have a pending charge. On 3/10 I called in to GTE to close my account. And was told I was charged a checking fee. I paid the checking fee and she said now ok to close. I was told it was closed. I checked in on 03/14 and my account was still open at -293. $105 of which was overdraft fees and a $7 over draft fee balance. I was told by the *** that the previous *** ******** been able to see the pending fees and told me the account would and could not be closed and it was my fault and the charges would not be reversed. I checked the bank account and saw nothing pending prior to closing and was told by two ***s all was ok to close. During a state of emergency (hurricanes) GTE was charging members over draft fees when taking money out of the account for cash on hand and pushing through charges so they could rack up fees. They refused to reverse charges even though most of ***** was out of power and no way to put cash back in the bank..let alone safely doing so with traffics lights not functioning. This businesses practices are unethical and when I try to get out of it, I cant even close my account because they keep adding fees.

  Business Response

  Date: 03/19/2025

  Good morning ******, 

  At this time, we've made the decision to waive the fees associated with the transactions that were posted to your account. You were also contacted by our Vice President regarding this matter. 

  If you need additional assistance, please don't hesitate to reach out. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 03/20/2025

   
  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:03/07/2025

  Type:Customer Service 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 company was offering a promotion to go *********** where the ******************* ***********. Their promotion requirements were that you needed to open an account with them between specific dates which I did. The account that was open and needed information to be verified, which I verified the needed information and I have proof of all of this. Once I provided the information the representative that was helping me named ****** at this branch completely ignored me for about a couple weeks until the promotion window was done. I finally called a couple days ago and now when I called, he wants to get back to me. I submit all the needed documentation that he request more of. I contact the branch manager, and he says that he will let it slide because I opened the account within the window and it was the employees fault that didnt get back to me. The manager just emailed me today saying that Im not qualified anymore. They have all of my information such as my Social Security, my address, my bank information and everything. They false advertised this promotion just to take all of my information

  Business Response

  Date: 03/14/2025

  Good afternoon Mr. ******************* reviewing your accounts, it was determined that you did not meet the qualifications. The student account was opened on 01/29/2025 and funded on 01/30/2025. The rules indicate that the account must be opened between 02/01/2025 and 02/28/2025. I've attached the requirements that were listed on our website. 

  I do apologize for this inconvenience. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:02/28/2025

  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.

  *** has done two payment reversals on me in the last 2 months and assessing me fees of $40. When I tried setting up payments automatically for my auto loan, their process is very vague. The form filled out requests an ABA number instead of a routing number and it resulted in a kickback on my payment the first time. When trying to set up automatic payments the second time, I had to call numerous times in order to make sure it was good to go. My payment didnt come out so I set up a one time payment to ensure I didnt get charged a late fee. They once again kicked back my payment saying the numbers I entered were incorrect. I triple checked it and my numbers were correct. Now theyre refusing to over turn the $40 fee.

  Business Response

  Date: 03/03/2025

  Dear Mr. ***** ****** III,

  Thank you for bringing your concerns to our attention.

  After reviewing your account, we see that one of our supervisors has already waived the fees.

  If you have any further questions or require additional assistance, please do not hesitate to contact us.

  
  Sincerely,
  GTE Financial

• Initial Complaint

  Date:02/25/2025

  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.

  I had a savings account that was opened with GTE Financial due to an auto loan that was being financed through ***. The vehicle has been traded in and the auto loan was paid in full. The savings account had remained open. There were no previous funds in the saving account until I had cancelled my ************* coverage through the car dealership and they sent the payment to GTE Financial who then deposited the amount in my savings account. I then logged into my *** account online and attempted to transfer the entire funds into my USF Credit Union account. The website advised there would be a $2.00 fee. I believed the $2.00 would be deducted from the amount I was requesting to be transferred. This is because the website did not have any warnings stating that the fee is added to the amount and not deducted from the amount. Had I known this information, I would have requested the amount minus the $2.00. The teller at the location of ******************************* attempted to get an exception from the supervisor, but the answer was no, because it wasn't the bank's fault. I had the account closed minus the $35 overdraft fee they charged. I then contacted member care who said because the account was closed they wouldn't be able to refund the overdraft fee. This is a bad business practice and because their website is not clear I'm sure this causes numerous overdraft fees to be charged.

  Business Response

  Date: 02/25/2025

  Good morning *******, 

  I do apologize for the inconvenience. I went ahead and waived the $35 fee and requested an Official Check to be mailed to your home address. Do expect this check to arrive in 5-7 business days. 

  Thank you, 

  GTE Financial