Tinker Federal Credit Union

Tinker has the worst customer service I’ve ever dealt with in 55 years! If you take a loan with them, they will add funds to your loan without contacting you! Be warned! I would never recommend borrowing money from this institution! Trust me I’ve been through hell with them for two month. Now trying to refinance with another better institution! Be warned! I got a third notice by mail stating I need to show proof of insurance or they would take coverage for me and charge funds to my loan. Well I did show proof but they already charged my loan. I never got the two notices they claim to have sent! No phone calls! No registered mail. Nothing! They just help themselves adding funds to my loan without my approval!

After today I am waiting for my remaining checks to clear and I am done. I am only at Tinker because my great bank (Republic) went thru a change. You need to tell your new members some pretty important facts. When they open a new account they have a "Daily" charging allowance?I went to purchase tires and was horribly embarrassed when they declined my card and I had more than enough money to cover the charge. I was going to wire my mom money (Sending checks or cash is not smart), but you cannot send/receive wire transfers for 90+ days. And lastly I had two charges appear as pending on my bank statement (I don't trust anyone and look at my balances daily), I immediately disputed the charge, they let the $200 in charges go thru and said it would be 7-10 days while they investigate. Are you f-cking kidding me. I had to borrow money so THEY would no overdraw my account and they I would have another set of issues. RUN from this credit union, the two locations in Norman are a nightmare.

Complaint: [redacted] I am rejecting this response because: That does not look like my signature on the documentI spell my name " [redacted] " with an "e" in front not "Michael" with an "a" in frontIt would make no sense I would sign a document with the incorrect spellingI question the validity and the legality of these documentsConsidering my name is not even spelled correctlyOnce again this is set to fall off of my credit reports in the year I will continue to exhaust every possibility of having TFCU remove from my credit report until it has been removedThank you Sincerely, [redacted]

Thank you for providing an opportunity to respond We reviewed the below claim and there was no wrong-doing on TFCU’s part We received a cancellation notice from State Farm on 3/29/ Collateral Protection Insurance (CPI) was placed on the vehicle from 4/1/to 7/18/ until we received notice of coverage from Traveller’s insurance The cost of CPI has already been realized by TFCU therefore, we have no ability to waive the charged amount without passing the expense on to our other members Originally Ms [redacted] said she was unaware of the requirement and admitted to letting the coverage drop We then reminded her that she signed an agreement to provide full coverage insurance at the time of purchase Further, per conversations with our Adjustments team, our member admitted she did not open the notices from TFCU nor Allied notifying her of the issue We do not believe it is a reasonable expectation to meet the below request and will take no action accordingly [redacted] ***Vice President, LendingTinker Federal Credit Union

Thank you for allowing TFCU to respond to this complaint Upon our member’s death, the funds were disbursed amongst the qualified siblings on June 9th TFCU mailed the checks based on the information received by [redacted] (the sister) and [redacted] (the sibling in question) Upon sending out the checks, we were notified by both Ms [redacted] and Mr [redacted] that they in fact gave us the wrong address for Mr [redacted] We have maintained a copy of the actual email sent to TFCU for the disbursement of funds Four of the five siblings received their check without incident Mr [redacted] was given options to satisfy his request but he chose not to accept them Instead, Mr [redacted] chose to be verbally abusive on multiple occasions to the staff members as they attempted to resolve his concerns To ensure Mr [redacted] does not have further contact with TFCU staff members, I have made an exception to official check policies and reissued the check with the corrected address given to us by Ms*** The check will be sent out today Should Mr [redacted] have further questions or concerns, he is to contact me directly with the number provided below Thank you again for allowing TFCU to respond to this inquiry Sincerely, [redacted] Tinker Federal Credit Union [redacted] ** [redacted] ***e

Initial Business Response / [redacted] (1000, 6, 2015/07/29) */ We appreciate the opportunity to rectify any concerns our member may have had with her accountTFCU has attempted to call Ms [redacted] as requested regarding her account but the international number given to TFCU does not workWe also attempted to contact the member through our chat feature but the member's web browser did not allow a connection with TFCUTFCU took the necessary steps and recommended that Ms [redacted] update her browser in an attempt to secure a connection but with no success Ms [redacted] did contact TFCU through our unsecured email on July 22, but due to TFCU's concerns of member security and confidentiality, TFCU requested that she call us directly for financial related activitiesThe number and hours of operation were given to her for her convenience As of July 24th we have closed the account as requested by Ms [redacted] and refunded the negative balanceThe required membership deposit of $was sent to the address listed on the accountRegarding the deactivated card issue, this was caused by a merchant card compromise and TFCU provided full disclosure to the member prior to the closureThank you and we appreciate the business [redacted] Tinker Federal Credit Union PO Box XXXXX TAFB, OK XXXXX (XXX)XXX-XXXX Office

Thank you for the feedback and as always, it is a privilege to be able to assist our members with their needs In this specific situation, Mrs [redacted] contacted our Member Contact Center on March 29, and requested that TFCU opt her out of TFCU loan promotion offers and to block her Home Branch (HB) access due to past unauthorized transactionsOn March 31, 2017, Mrs [redacted] came into the Norman Branch and requested TFCU to unblock her HB access On this same day, Mr [redacted] (beneficiary only on the account) contacted the Member Service Officer that Mrs [redacted] had worked with earlier this day and stated that the HB was in fact still blocked and requested access to the HBTo ensure our member’s account confidentiality remained intact and with good faith, the Norman Branch Manager spoke with Mrs [redacted] and requested she add Mr [redacted] to the account if in fact she wanted her husband to have access This conversation was repeated on May 30, June 1, and again on June 5, Paperwork was given to Mrs [redacted] at this point in timeOn June 6, 2017, Mrs [redacted] returned the signed account agreement to the Norman Branch to add her husband to the savings and checking accounts Both Mrand Mrs [redacted] have full access to the account to include HB access We do apologize for any inconvenience our actions may have caused and we look forward to serving this family in the futureWe appreciate their business and should Mrand Mrs [redacted] need further assistance, please call me directly [redacted] ** [redacted] *** [redacted]

Revdex.com Complaint Center:Thank you for bringing this issue to our attention It is our goal to ensure our members receive the expected service Upon research, it was determined that the actual bill pay checks were coming from State Employees' Credit Union, based out of Hasler, North Carolina and were sent directly to the Yukon Branch, [redacted] ***, Yukon OK., for postingIt is unclear as to how SECU obtained this specific branch address, since all mail is required to be sent to our main address at Tinker Federal Credit Union, P.OBox 45750, TAFB, OK In talking with Ms [redacted] , she was advised to contact her other financial institution to switch the address and or set up her payments electronically to ensure timely postingsAs a course of business, it is TFCU's practice to post all payments the day received but as a service courtesy to Ms [redacted] , we back dated the payments for 1/26/and 2/2/ Based on our conversation with Ms [redacted] , she appeared to be pleased with our callback and satisfied with the outcome Let me know if you need additional information to close this complaint.Thanks! Lisa LeeperTinker Federal Credit UnionPO Box 45750TAFB, OK 73145###-###-#### Office

Mr [redacted] , I can assure you we are not in breach of FDIC guidelines as they are not a regulatory agency we answer to We are well versed in Visa’s chargeback procedures and network guidelines As [redacted] has already explained to you, we do not have any legal right based on the network rules to force HotelTonight.com to refund your $ Your complaint was properly assessed and researched but it does not meet the “Quality of Service” guidelines Further, we cannot pass along a $loss to our members when this is a disagreement between you and the vendor If you want to continue to hold TFCU liable for the USB issue at the hotel, any further communications will be between your legal counsel and ours We will not entertain any more communications and threats over the matter [redacted] Vice President, Lending

Our records reflect four (4) Skip-A-Payment forms were mailed to our member between 1/23/and 2/10/ As the member stated, the forms were mailed rather than being provided electronically The department working with the member typically does not utilize the electronic delivery option which will be corrected going forward A TFCU representative spoke with the member on 3/6/and his transaction was completed on 3/7/ We regret the situation occurred and apologize for any inconvenience the matter may have caused

This member affirmed the debt with TFCU on a PT Cruiser in the original Revdex.com complaint The complaint is not a dispute of the debt, but a dissatisfaction that the debt is reporting to the credit bureaus The member has repeatedly disputed the credit reporting and debt in an attempt to remove it from the credit bureausOne dispute included the following comments “ It has been on my credit loan enough please remove.” TFCU has properly validated this debt TFCU’s reporting is accurate and in accordance with the law

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/04/21) */ The complainant appears to be filing this complaint on behalf of another individual and did not provide identifying information for our memberWith this being the case, we were unable to research the specific member loan for which the complaint is madeWe are providing our insurance requirements below; a document containing this information would have been provided to the member when the loan was processed Important Insurance Requirements By signing the promissory note to finance your purchase, you agree to buy full coverage insurance for the full value of the property securing your loan, with a deductible not to exceed $Tinker Federal Credit Union must be named as the "Loss Payee/Lienholder" and the policy must be sent to: Tinker Federal Credit Union Insurance Service Center P.OBox XXXXX Oklahoma City, OK XXXXX-XXXX Fax: XXX-XXX-XXXX Phone: XXX-XXX-XXXX It is your responsibility to contact your insurance agent and request that Tinker Federal Credit Union be sent a copy of the insurance policyIf we do not receive a policy within days, TFCU will purchase a collateral protection policy retroactive to your loan origination date or to the lapse date of your insurance coverageThis insurance policy will only protect TFCU's collateral and does not meet Oklahoma State liability insurance requirementsTo be legal to drive, you must still purchase liability insurance The premium amount of the collateral protection insurance will be added to your loan, which will result in an increase in your monthly paymentBelow is an example of how a collateral protection insurance policy can affect your monthly payment: Annual Policy Premium $1,[redacted] amortized over the remaining month policy period: $1,÷ months = $increase in monthly loan payment *Annual premium is based on value of collateral We hope this resolves any concerns regarding the requirementsUpon receiving verification that met these requirements, no further requests would have been madeIf further information is needed, we request direct contact from our member

Revdex.com: Thank you for this member's response. Due to the nature of the information we must communicate, we have provided Mr*** a direct written response. We appreciate Mr*** business very much and look forward to serving him in the future. Sincerely, *** ***Tinker Federal Credit UnionPO Box 45750TAFB, OK 73145###-###-####

To whom it may concern;I reached out to ***, as she requested, leaving messages on 7/and 7/with no responseWe researched the claim to determine if TFCU was in fact in error and needed to take action to resolveThe member is correct that for whatever reason, her insurance company indicated
to us that she only had liability insurance, not full coverage as requiredIn such cases, our third party vendor adds full coverage to the loan and the premium increases the monthly payment accordinglyOur member continued to make the original payment without adjusting for the increaseOur records indicate the Adjustments team had multiple contacts with the member asking her to correct the situationThey continued to give her our third party vendor's contact information when they spokeHer coverage lapsed on 8/3/and the issue was not corrected until 1/21/despite our multiple requestsThe member did not meet the terms and conditions of the loan nor took appropriate action to correct the issue in a timely mannerWhile it is unfortunate that her insurance company set this in motion, TFCU pro-actively tried to help the member through the processTFCU has already paid for insurance during the lapse in coverage therefore, there is no remedy available without the credit union taking a loss for our membershipWith evidence supporting our efforts to correct the situation with the member, this is not an option.We appreciate the opportunity to respond to this complaint and we are confident this situation was handled appropriately.Respectfully,*** ***Vice President, LendingTinker Federal Credit Union

Tinker has never contacted me to claim that I have a repossession with them and I oweI had a vehicle with them back in that I voluntarily gave back and it was sold for what was owed on itI find it funny that when I dispute it to the credit bureaus they can validate the debt but never
contact me and try to come to a resolutionAgain this debt has never been properly validated

Complaint: [redacted]
I am rejecting this response because: That does not look like my signature on the document. I spell my name "[redacted]" with an "e" in front not "Michael" with an "a" in front. It would make no sense I would sign a document with the incorrect spelling. I question the validity and the legality of these documents. Considering my name is not even spelled correctly. Once again this is set to fall off of my credit reports in the year 2017. I will continue to exhaust every possibility of having TFCU remove from my credit report until it has been
removed. Thank you.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/07/29) */
We appreciate the opportunity to rectify any concerns our member may have had with her account. TFCU has attempted to call Ms. [redacted] as requested regarding her account but the international number given to TFCU does not work. We also...

attempted to contact the member through our chat feature but the member's web browser did not allow a connection with TFCU. TFCU took the necessary steps and recommended that Ms. [redacted] update her browser in an attempt to secure a connection but with no success.
Ms. [redacted] did contact TFCU through our unsecured email on July 22, 2015 but due to TFCU's concerns of member security and confidentiality, TFCU requested that she call us directly for financial related activities. The number and hours of operation were given to her for her convenience.
As of July 24th we have closed the account as requested by Ms. [redacted] and refunded the negative balance. The required membership deposit of $5.00 was sent to the address listed on the account. Regarding the deactivated card issue, this was caused by a merchant card compromise and TFCU provided full disclosure to the member prior to the closure. Thank you and we appreciate the business.
[redacted]
Tinker Federal Credit Union
PO Box XXXXX
TAFB, OK XXXXX
(XXX)XXX-XXXX Office

Thank you for the feedback and as always, it is a privilege to be able to assist our members with their needs.  In this specific situation, TFCU was notified of [redacted]’s death in August 2016. The account had outstanding debts which required specialized attention from our Adjustments...

department.  Additionally, one of the beneficiaries on the account died before the account was settled, which resulted in the requirement of the family to provide TFCU with the appropriate probate documents naming the Personal Representative of the Estate.  We requested this information in March of 2017.  As of the date of the complaint, TFCU had not received the appropriate documents to payout according to the requirements of the Estate.  On May 26, 2017, [redacted] presented the required documents and the account was closed according to the documents presented.  We do apologize for any inconvenience this may have caused the family and look forward to an opportunity to serve the family in the future.  Thank you again!  [redacted]
[redacted]
[redacted]
[redacted]  [redacted]
[redacted]  [redacted]  Tell us why here...

Thank you for the member complaint and we appreciate your partnership to ensure our members receive the appropriate service. In regards to Ms. [redacted]’s loan payment being applied to the savings account rather than to the loan payment on 1/17/17, I would like to apologize for this error. ...

It was apparent the employee applied the funds to the wrong account suffix.  The adjustment was made and back dated to ensure this member was made whole.  In researching the account, there were zero late fees applied and her loan is current as of 1/31/17.  In talking with Ms. [redacted], although she indicated that she did not want to set up automatic payments to prevent future concerns, the Manager of MSC, [redacted], #[redacted], gave Ms. [redacted] her direct line for all future payments to ensure she received the expected service.  Should Ms. [redacted] have additional concerns, she is welcome to contact me directly at @ #[redacted].  Again, we apologize for this error and we appreciate her business.  Thank you![redacted]Tinker Federal Credit Union PO Box, TAFB, OK  73145[redacted] Office