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

  101 E Bloomingdale Ave Brandon, FL 33511-8102

• 

  GTE Financial

  7563 W Waters Ave Tampa, FL 33615

• 

  GTE Financial

  3033 SW College Rd Ocala, FL 34474-4415

• 

  GTE Financial

  9380 N 56th St Temple Terrace, FL 33617-5504

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:09/01/2023

  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.

  A negative star is where this all starts. I have banked with them since I was 12, now 29. They have unforgivable overdraft fees even if and when it is not client error. Loyalty means nothing to them even when there is proof that the charges were never suppose to happen. They have gone as far as to suggest that I seek their insufficient funds be cover by other merchants instead of reversing fee or blocking the charge. Second hang up; I have had to call in on fraudulent charges at least 2x a year in past 5 years when this account exclusively remains a autopay account and it continues to happen. Their security is week and their representatives are miserable to work with. I have had enough and closed all of my accounts with them. Do you think they fought for my business, nope . Good ridden .

  Business Response

  Date: 09/06/2023

  Good morning ******************, 

  I am very sorry to hear about the experience you received with GTE. This is not the expectation we have of GTE and our representatives. If there is anything we can do, please let us know. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 09/06/2023

   
  Complaint: 20544139
  
  I am rejecting this response because:

  GTE representatives are unable to pardon two NSF fees that were triggered by a withdrawal from PayPal. I have a written response from PayPal, acknowledging these fees that were not supposed to go through, and  GTE refused the refund or obtaining the letter.
  I was advised by the (1) respective to seek a refund from Paypal. Since Paypal did not retrieve a payment, they were not going to give me more money $35.

  In addition;

  Since Aug 30th 2023, Ive been trying to close my accounts. One uninformed (2)representative said I owed $25 and once paid I could close it. I did my own investigation and I called back and it turned out that the bank owed me $25. For almost a week now, (3&4) representatives from the credit card department have had a hard time trying to get a $25 credit back to me and after calling two more times, we are in the same place.
  That would be the final step to closing the credit card and savings account with GTE thus, ending our relationship. 

   

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

  Business Response

  Date: 09/07/2023

  Good afternoon ******************, 

  We will be closing the credit card account and a check for $75.00 will be mailed to the address on file. This check covers the two NSF fees charged and the $5 from the membership. 

  Please let us know if there is anything else we can help with. 

  Thank you,

  GTE Financial

  Customer Answer

  Date: 09/11/2023

   
  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:08/21/2023

  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.

  Gte will not work with me to get me car back, they refuse to redeem the car that was repossessed for only $2000 due, 89 days past due but payments were being made of $500, I have offered to pay advanced, I offered to pay everything I need plus, & they still refuse and say I need to pay full loan due to not answering our calls. The last letter received said it was $1600, in mid July. They came and repo car and I never got a collection letter before hand. They seem happy to repo the car, I have never heard of a bank wanting to keep a repo over not answering calls. They didnt even have updated references on my account. I feel because of my low interest rate of 4% which does not benefit them theyre refusing to work with me. My credit history and score prove that this has never happened to me, I fell in between jobs and running a business,I made $500 each month, insurance never lapsed,I told them I can send them proof they dont want anything, they dont want to help me. Its 2023 & right now with inflation people run in to tough times economically. I dont understand how for $2000 and missing phone calls could allow them to not want to work it out, when I am willing to pay what is necessary and a month or 2 more, anything. The guy actually sounded happy no empathy what so ever, and he even told us I usually dont speak to people this calm and respectful of course not we are human, we understand, and we are willing to do what it takes and although you refuse to help we arent going to speak to you any other way. We are TRYING, and it shows. I just feel like we hit a brick wall with ****** and there was no way around it. But its literally an issue that could be resolved and he just doesnt feel like it, over not answering the phone. Which they only had my number on file correct. There has to be more that can be done in this situation that fell out of our hands. If its the 4% interest I have than say that, but that shows I only fell into a tough spot not long term.

  Business Response

  Date: 08/23/2023

  Good morning **********************, 

  We have carefully reviewed this case and the same decision that was made initially will continue to stand. If you would like additional information on this decision or the options available to you, please call us at ****************************.

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:07/31/2023

  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.

  Great Bank, although for years I have been asking to remove a late payment for 2018 that wasnt my error. I provided detailed information and I havent had a problem since yet I am still being penalized for further decisions like buying a house or business approvals. Im a single mother trying to be well and organized financially with their help All I ask is that they consider my good payment history for years my credit card always being paid off & as courtesy good will if they could please remove the late fee 2018. Thank You

  Business Response

  Date: 08/01/2023

  Good morning **************, 

  In reviewing the fee that was charged in 2018, the fee was assessed correctly. Due to the time that has passed since it was charged, we are not able to waive it. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 08/01/2023

   
  Complaint: 20397276
  
  I am rejecting this response because: I not asking for a Fee To Be Waived. 
  I am asking to ReMove The Late Payment/Pass Due From My Credit Report.

  i Also you assessed the account did you assess that the payment was made the next day or assess no other pass due payments. I understand time has passed which I have been disputing this **** for 5 years, i am also sure as a good will the derogatory **** can be removed no matter the time. So GTE is incapable of helping a longtime customer with this minor adjustment it cannot be removed Or I can wait two more years for the **** to drop off?

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

  Business Response

  Date: 08/02/2023

  We've reviewed your credit report and it wasn't reported late. If you feel that its on your credit report, you may dispute it directly with your credit bureau. As for the fee, we will not be able to waive it. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 08/02/2023

   
  Complaint: 20397276
  
  I am rejecting this response because: WHOEVER IS "REVIEWING" AND "ASSES" MY ACCOUNT ISNT EITHER UNDERSTANDING MY REQUEST OR AT THIS POINT GTE HAS NO CUSTOMER CARE.

  AGAIN, I AM NOT ASKING FOR A "FEE TO BE WAIVED" I PAID THAT AND SOME THE NEXT DAY IN 2018. I AM ASKING IF THERE IS A WAY TO REMOVE THE LATE **** OFF MY REPORT? AGAIN, I HAVE DISPUTED THIS FOR FIVE YEARS IF *********** COULD HAVE DONE SOMETHING IN THOSE FIVE YEARS I WOULD NOT HAVE TAKEN THIS ROUTE. I CHOOSE TO GO TO ANOTHER CU BECAUSE OF GTEs LACK THEREOFF. *** BEEN LOYAL TO YOU AND I CANNOT GET THE SAME IN RETURN? AGAIN, I HAVE DISPUTED FOR YEARS AND I KNOW THAT NO MATTER THE **** GTE IS ABLE TO SEND SAID REQUEST TO ***********.   

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

• Initial Complaint

  Date:07/26/2023

  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.

  Uncommunicative, unresponsive, uncooperative, failure to provide vital information through the complainants requested channel. Lack of protection of private, privileged, and secure information. Private, privileged, and secure information breached and changed. The cause of financial, emotional and physical distress.

  Business Response

  Date: 08/01/2023

  Good morning **************, 

  We did review what is being reported to your credit bureau and GTE has determined that the reporting is correct. As for the other information mentioned, we will have someone contact you. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 08/01/2023

   
  Complaint: 20375312
  
  I am rejecting this response because:

  Mistreatment of a long-standing, customer with excellent payment history.

  Lack of offers or options to rectify customers issues with debt owed considering customers abrupt financial disruption.

  Seemingly aggressive to report debtors issues making it even more difficult for debtor to manage obligations with other creditors.
  
  Sincerely,
  
  *********************

  Business Response

  Date: 08/02/2023

  I sincerely apologize for the inconvenience you are experiencing. You are welcome to contact our **************************** at **********************.

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 08/09/2023

   
  Complaint: 20375312
  
  I am rejecting this response because:

  Nothing has been resolved. I have been given the typical hand-off, all the while the clock is ticking, late fees are growing larger every day, in GTE's favor, of course. Killing time, so they can charge off my debt, and throw me in the pit of the ******************* which will attack and rip me apart like the vulchers they are required to be.

  Now, nearly a month later, of phone calls every other day of pointless discussions, I am back exactly where I started. adding even more psychological stress to the point of having a lifelong struggle with anxiety to resurface after 45 years spent trying everything to gain control of it. Which I finally was able to do just three years ago. Now, it has resurfaced and with even more intensity. So much so, I have had to return to taking those awful, mind dulling pharmaceuticals and two trips to the *** thinking I was having a heart attack.

  So, I am not written off as someone who maybe bought too many 72" Flat Screens, I didn't. I haven't watched television since ****. Anyway, reckless use of credit did not put me in my situation. It was COVID-19.

  I have been with GTE for over 18 years.

  I have deposited approximately 1.5 Million Dollars into there bank, with a total return of interest that would fall short of being able to pay for a medium size pizza.

  Two car loans, 0 late payments, paid in full.

  A $10,000 personal/business loan: 0 late payments, paid in full.

  Two Credit Cards, one personal, one for business. Zero late payments, active utilization, One at 15%, the other at 10%, with both rising interest rates even though I had never missed one payment, often making two to three payments in a month and all the while maintaining a Credit Score between 780 and 815.

  After draining my savings, selling a nice car to buy a running car, and using the cash to pay my debt. Selling off vintage guitars, meant for my son, classic *** wheels no longer made...everything worth money and valuable, and not just in dollars, but in its personal value.
  

  Thank God I'll be dead in 25 years. My only fear now is knowing my 17 year old will soon be entering a completely twisted new world structure, where total disregard of the the very people who make it possible for them to collect a paycheck every week.
  

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

• Initial Complaint

  Date:07/20/2023

  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 Friday june 30th early evening i called GTE in **** ** and explained I could not get to the bank to withdraw my social security account of $1900.00. account is kept open for social security money deposit. every month i go to the bank on the 3rd to withdraw.This day I was not able to get in and being a long holiday weekend I needed the cash. I also had bills that were due .called GTE and a woman answered I asked if it was possible to have the money sent to my bank. I just opened an account [2] weeks prior. She said "no problem". She said I see your account and did I want it all sent. She never asked for my routing or account number. I questioned the fact twice and her answer was" i have the info". I said i did not remember giving the info to any one as I was still in the process of setting up. . Her response was "its done as we speak, anything else I can help you with"?I started to say how baffled i was and she hung up . The next several days bills were due on auto pay.and I also was writing due checks. I tried to use my debit card at **** club it was denied! ! At the gas station "insufficient funds" on and on, finally realized money was never deposited!!! July 5th I was in South shore bank [My new bank] explaining the situation, they were shocked. Advised me to go to GTE [which i planned] They GTE] treated me very rude as if I were making it up. They swung their arm in the air and said 'i don't know why they would tell you something like that. We don't do anything except money wires Then they turned on their heels and walked away. No advise who to tell , what to do NOTHING it was obvious they did not believe me. I told them about writing checks that *** bounce, they said nothing..A young male works there listened for a minute ,said nothing then walked away. I don't know whose who there' they all seem to do same job and don't offer any help; i did get overdraft fees which they will have to settle with me. ************************* the bank involved is ******************* BBD address.

  Business Response

  Date: 07/21/2023

  Good afternoon *******, 

  It is my understanding that one of our managers has contacted you about your experience. If you have any additional questions, please feel free to contact us. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:07/13/2023

  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.

  I received a notice that I have a collection from GTEFINANCIAL on my credit report. It says it was opened on 7/16/2014 for $0 with account number starting in **************** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 07/13/2023

  Good morning ********************,

  We have reviewed the documentation for the application that we have on file. 

  If you believe you were a victim of identity fraud, please complete the form found on the FTC.gov page and fax it over to our Fraud team at ************ or contact us at **********************.

  Thank you,

  GTE Financial

  Customer Answer

  Date: 07/20/2023

   
  Complaint: 20314467
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:06/29/2023

  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.

  *** authorized my aunt *************************** to add herself to my 88-year-old grandmother's account, that has over a half of million dollars in it via email/docusign. My grandmother is not competent to maike that desicison. She has memory issues due to strokes and suffered a terrible brain bleed. she is a shell of herself. my grandmother has a will in place. *************************** wrote an email posing as my grandmother attached their drivers license and had my grandmother sign April 2, 2023, My grandmother does not even know how to type an email or what an email does for that matter. She defrauded the bank and the bank did not even take steps to protect my grandmother. Age, and amount in bank should have been a red flag to add an owner to have access to that money to what she pleases. This is fraud and wrong and needs to be rectified immediately! This has been reported to *** and ***********************.

  Business Response

  Date: 07/05/2023

  Good morning **************, 

  I have forwarded this information over to our ***************** They will reach out if they need additional information. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:06/20/2023

  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.

  There is some inaccurate information reported on my credit report by GTE Financial. I am not liable for this debt. I am requesting that these negative items be blocked from my credit report in accordance with the law.

  Business Response

  Date: 06/20/2023

  Good morning Mr. ********************** show that your credit card still owes a balance and is currently charged off. If you would like more information, please call us at **********************. As of right now, the reporting on the credit bureau will remain. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 06/21/2023

   
  Complaint: 20206874
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

  Customer Answer

  Date: 06/22/2023

   
  Complaint: 20206874
  
  I am rejecting this response because:

  There is some inaccurate information reported by GTE Financial which is on my consumer report that is a result of Identity theft and its effecting my reputation, livelihood and ability to obtain new credit. I am requesting that these negative items be blocked from my credit report in accordance with the 15 USC **** c-2 and 15 USC **** s-2. This provision allows the consumers to request that credit reporting agencies block the reporting of information that is inaccurate, incomplete, or that the consumer believes may be fraudulent or related to identity theft. Find supporting documents attachment.
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 06/22/2023

  Good afternoon Mr. ******************* further review, it has already been validated that this debt does in fact belong to you. According to the judgement filed and approved by a judge in December of 2018. Information on your credit report will not be removed as the debt is valid. For more information, you can contact our team at **********************.

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:06/16/2023

  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 want them gte to closed the account

  Business Response

  Date: 06/29/2023

  Good morning ******************, 

  You don't have any open accounts with GTE. All of your accounts have already been closed. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:06/01/2023

  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 regrettably used GTE Financial to finance a vehicle I purchased. During my first year of payments, I made double payments, paying over $1,400 per month for my vehicle to pay it off quicker.During year 2, I lost my debit card and had it replaced. I was under the impression GTE Financial withdrew from my bank account, so I didn't think to update my debit card info.After only 2 missed payments, my vehicle was repossessed. At first, I thought my vehicle was stolen, and after further investigation I found it was gone via repo. This pathetic excuse for a bank repossessed my vehicle, after only 2 missed payments that I was unaware of, despite the fact I made DOUBLE payments for the first year.They would NOT allow me to get my vehicle back, I even offered to pay GTE Financial $4,000 in future payments and any fees related to the repo, and the manager I spoke to said "this is just one of those obstacles that you have to deal with in life, this is one of those times". Are you serious? This manager, whom I forgot who I spoke with, was just rude and didn't care that this repo greatly impacted **** had no job at the time of the repo, this was my main vehicle for my children and their carseats were still inside. Because this repo destroyed my credit, I was turned down for a job because of the repo, so this company also cost me a job to support my family.I absolutely hate this bank. I hope this bank closes, I hope they go out of business, and I wish them the absolute worst in life.I have just payed off the LAWSUIT, as GTE has sued me for the remaining balance of the vehicle. They are so scummy and do not care at all about the customers.GTE, shame on you, shame on you for taking a vehicle of someone who made double payments to you previously, you were OK to take them, but 2 months of missed payments and your first instinct is REPO? Other banks dont repo until 6 months, you guys are the absolute worst.

  Business Response

  Date: 06/06/2023

  Good afternoon Mr. ***************************,

  After further review with our Member Resolution team, the reporting on the credit bureau will not be changed. If you would like a full breakdown of your payments, notices, communication, and repossession, please call ** at **********************.

  Thank you,

  GTE Financial