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: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

• Initial Complaint

  Date:02/07/2025

  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.

  February 2024 one day after a major surgery I received a call from *** informing me that my payment was late. My payments have always been on automatic withdrawal so I was confused and later found out after I had to take time to gather myself that because of the insurance There was some type of discrepancy that happened. I was told by several *** employees to specifically continue to make these $600 payments until October 2024 when I would gain the option toapply for whatever balance to be added to the back of my loan. I called October 2024 for the employees to uphold their recorded advisements and was met with resistance, disrespect, and made to be a fool, as if I didnt hear what they had telling me since earlier that year and they had even pulled the calls to confirm that that is what I have been told. The female Continue to be rude and dismissive to what GTE had been telling me since I have been making my payments on time over the amount my original payment I was looking for the assistance I was promised. I shortly ended the call due to health reasons and the inability to handle the stress and disrespect. I was receiving from the employee a few weeks went past I went to pay my bill that same employee submitted my loan for repossession. Not because I wasnt paying my bill on time or because I wasnt paying the right amount. I was lied and then still forced to pay an amount of money that I simply did not have. I was however, able to make my payments and that is what had done up to that point. When I spoke to the employee, I asked her why she submitted my loan for repossession, and if it was to me ending the call and her being upset or in her feelings about it. she went on to set the record straight that that wasnt the reason why but I knew that was a lie because I hadnt done different up until that point I paid my bills I would like for this to be taken off of my credit as a late payment and for *** to uphold the help I was told I would receive.

  Business Response

  Date: 02/07/2025

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

  Thank you for bringing your concerns to our attention.

  Upon reviewing your account, CPI was added to your auto loan due to insufficient insurance coverage. *** became effective on 1/15/2024,increasing your monthly payment to $827.98. *** requires comprehensive and collision coverage for financed auto loans, but at the time, you only had liability, property damage, and ************** This did not meet the requirements outlined in the loan document emailed to you on 3/5/2024.

  On 3/5/2024, CPI was removed, and $1,783.00 was refunded to the loan, adjusting your payments to $610.74. However, a lapse in coverage from 8/24/2023 to 1/18/2024 remained due to the lack of comprehensive or collision insurance. A partial CPI charge remained for this lapse, covering 9 months from 1/15/2024 to 10/15/2024. The required minimum payment was not made, resulting in loan delinquency. Since no credit union error occurred, GTE will not remove any credit reporting information.
  

  We appreciate your understanding and cooperation in this matter. If you have any further questions or concerns, please do not hesitate to contact us.
  

  Sincerely,

  GTE Financial

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22910840
  
  I am rejecting this response because: I have detailed documentation and recordings from your staff stating that as long as I made my $610 payments regularly until October of 2024 when the *** fell off my account I would be able to get the remainder added to the end of my loan to resume my $400 payments as per the original loan agreement. So therefore the credit union was at fault for providing false information to said costumers knowingly on a recorded line. My resolve is still intact and I stand firmly requesting *** to provide their records of each conversation to the BBB as I submit mine. What your company employees did is called negligent misrepresentation which is fraud as well as consumer retaliation. ****** only submitted my account for repossession because she was upset I ended the call due to the multitude of lie from your employees. I will continue to pursue this until my name and credit is cleared. 
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 02/12/2025

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

  Thank you for bringing your concerns to our attention.

  However, GTEs policies and loan agreements remain in effect.

  The CPI adjustment and refund were processed correctly, and the remaining balance for the coverage lapse is valid. Loan delinquency resulted from missed payments, and credit reporting reflects accurate account activity. As no credit union error occurred, GTE will not alter its reporting.

  
  If you have documentation that conflicts with these terms,you may submit it for review. Otherwise, we stand by our decision. We appreciate your understanding and cooperation in this matter. If you have any further questions or concerns, please do not hesitate to contact us.

  
  Sincerely,
  GTE Financial

  Customer Answer

  Date: 02/13/2025

   
  Complaint: 22910840
  
  I am rejecting this response because:
  I never missed a payment. My payments were on automatic withdrawal. As previously requested, Please submit all relevant documents and recordings to the BBB that prove your employees wrongdoing and fraudulent remarks on behalf of your company. Otherwise, I will pursue this legally and I will win. I lied to for months while paying every month on time as advised by your staff.
  

  thank you!
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:01/31/2025

  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.

  *** put a lien against my vehicle without telling me after I switched insurance companies. They originally started to call me asking if I had full coverage from ********************** which I did, I wouldn't of been allowed to take the car off the lot if I didnt. I was never notified that there was an issue or a lien put on my vehicle after the switch. I made sure that they got all the new information from State farm. They would consistently harass me even though I have made my car payment on time with no real options to solve the issue, and has put a dent in my credit by 105 points. Multiple times I have had state farm reach out to them to resolve this issue, I even sent them documents showing I had ************* and full coverage insurance since the dates they're stating I didn't. Im nervous to go to bed because I don't wanna wake up to my car being towed over night. If needed I can show you that I've consistently paid the $475 that I was originally supposed to pay monthly and can provide any other information needed.

  Business Response

  Date: 01/31/2025

  Dear *** *****, 

  GTE has placed a ******************************* on your auto due to a lapse in coverage. The original amount of the insurance was $4,771.00. We received confirmation that you had insurance coverage effective 12/05/2024 and a refund in the amount of $2,376.00 was issued. We tried to contact the insurance agent listed in your paperwork, but since GTE is not listed as a lien holder, we are not able to get any information. We are still showing a lapse of coverage from 06/05/2024 to 12/05/2024. If you are able to get a letter from your insurance company stating that you had full coverage during the time period listed, please contact Allied at ************** to provide them with the proof. Once received, they will provide the information to GTE and a refund will be issued for the remaining portion. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:01/14/2025

  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.

  GTE Financial for closing my account without my knowledge and withholding my funds

  Business Response

  Date: 01/15/2025

  Dear Mrs. ******* *******,
  

  Thank you for bringing your concerns to our attention.
  

  After reviewing your account, we can confirm that the issue has been resolved. The funds have been successfully released and withdrawn from the account.
  

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

  Sincerely,
  GTE Financial

• Initial Complaint

  Date:12/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear *********** am writing to dispute an account listed on my ********************** report, as I am a victim of identity theft. During my review, I identified an account that I did not open or authorize. The fraudulent account details are as follows:Creditor Name: GTEFINANCIAL Opened Date: January 9, 2023 Account Number: ********** This account was created fraudulently without my knowledge or consent, and I have suffered as a result of this unauthorized activity. The account is illegitimate and must be removed immediately.I demand an immediate investigation into this matter and request the permanent removal of this fraudulent account from my ********************** report.

  Business Response

  Date: 01/02/2025

  Dear ******************* ********,
  
  Thank you for bringing your concerns to our attention.
  
  Please file a credit dispute, by submiting your request directly through the credit reporting agencies. Once your dispute is received, our Consumer Lending Team will carefully review and investigate the matter. *** will provide a formal response within 30 days from the date we receive the notice.
  
  If you have any further questions or require additional assistance, please do not hesitate to contact us.
  Sincerely,
  GTE Financial

• Initial Complaint

  Date:11/20/2024

  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 made a double payment on my account number ********* on november 11th, 2024, and GTE kindly reversed that second payment. Upon trying to transfer my funds back to my regular Navy Federal account, I received an email stating there was insufficient funds for my transfer of the exact amount shown in my account ******** and was charged $35 as an overdraft fee. I had been notified that it was going to retry the transfer even after taking that overdraft fee and had to speak to a representative to find out there is a $2 fee to transfer funds to an external account, AND to cancel the retry. This was my very first time making a transfer from this account since opening it in May of 2020, 4 years. I had a fee waiver submitted and was just told it was denied. I have been a customer since 2020, making every single one of my payments on time for the past 4 years straight with 0 late, 0 missing payments, through covid, hurricanes, etc. and I'm upset that this bank will not try to resolve this fee for this singular and first instance on my account in 4 years. I understand $35 + $2 fee may not seem that much, but I am in the process of moving with my husband being in the military and we have had to pay thousands of dollars out of pocket to move us and our things to our next duty station from being overseas. I pride myself on being a great and complying customer that pays every single one of my bills on time, and try to empathize with employees doing the best they can. I am so disappointed that I cannot receive the same amount of understanding and empathy back when I have created 0 problems with this company and only want a simple fee waived one time in my accounts history after not knowing how to properly transfer from this account initially. Please help me

  Business Response

  Date: 11/20/2024

  Good afternoon **** ********, 

  We went ahead and took care of the $35 fee. I do apologize for the inconvenience this has caused. We have gathered this feedback and will continue working on improving the experience and how the system operates. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 11/23/2024

   
  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,
  
  ****** ********