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:09/30/2024

  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.

  I check my credit report I noticed that GTE FINANCIAL REPORT a charge off account to my ********************** report as an profit loss / write off The creditor havent sent me an 1099-c form yet Im requesting a 1099-c form from this creditor

  Business Response

  Date: 10/01/2024

  Dear Mr. Joseph,

  Typically, a 1099-C is issued when GTE is settling a debt for less than the full balance owed. At this time, no settlement has been offered to GTE. If you wish to offer a settlement, you may contact our Recovery area for more information. Their contact number is 813.871.2690 ext 43708.

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 10/01/2024

   
  Complaint: 22349566
  
  I am rejecting this response because:
  
  

  section 1681 (a) & (b)

  (a)Identity and purposes of credit users

  Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing ofconsumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
  (b)Accuracy of report
  Whenever a consumer reporting agencyprepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
  
  

  The creditor report this account as an charger off multiple time when you only charge off this account  one  time

   creditor never charge off the account month after the month on their books records 
  
  im going to send a letter requesting statutory damage you violated my rights and violated the FCRA 

  Also I’m going to report the creditor GTE FINANCIAL  to the IRS for suspicious fraud 

  
  Dubens Joseph

  Business Response

  Date: 10/03/2024

  Dear Mr. Joseph, 

  A 1099-C is issued when a debt is canceled. At this time, the debt is still valid and owed. A 1099-C will not be issued at this time. 

  Thank you for the information you provided.

  Thank you,

  GTE Financial

  Customer Answer

  Date: 10/03/2024

   
  Complaint: 22349566
  
  I am rejecting this response because:
  
  

  by law you require to send me a 1099c after you write off a debt therefore I longer owe you you claim it as tax write off you owe me a 1099c

  im requesting for this creditor to delete this account of my credit report for reporting inaccurate information to my credit report

  you refusing to do so  

   

  Sincerely,
  
  Dubens Joseph

• Initial Complaint

  Date:09/27/2024

  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.

  NEED THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT IN MY MARITAL SETTLEMENT MY EX-SPOUSE IS RESPONSIBLE FOR THIS ACCOUNT. NEED TO BE REMOVED ASAP. YOU CAN SEE IT IN THE PAGES BETWEEN PAGE 14 TO 19.

  Business Response

  Date: 10/01/2024

  Dear Mr. ************* hope this message finds you well. I would like to clarify that the contract you and your ex-spouse signed and agreed to predates and supersedes any subsequent agreements made during your separation. The divorce is a civil matter between the two individuals, and GTE is not a party to it. The divorce decree does not legally compel GTE to take any action; it only pertains to your and your ex-spouse.
  Please let us know if you need any further clarification.
  Best regards,

  GTE Financial

• Initial Complaint

  Date:09/17/2024

  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.

  I have had an auto loan with GTE financial since 05/08/2022. I had been very satisfied with them until recently when I was experiencing a financial hardship and opted to use the once a year skip a payment option. I was told I would need to pay a $35 fee which I thought was reasonable except the fee can only be paid through a *********** or checking account. In order to open the account They would also need to perform a hard pull on my credit. To force an existing customer who is already experiencing ******************** stress into opening an additional account feels like predatory behavior and they are taking advantage of their customers.

  Business Response

  Date: 09/24/2024

  Dear Jennifer Giannotti,

  Thank you for the information. At this time, our system is setup to only accept the $35 fee from a GTE account. I have passed this feedback along for future enhancements. Please contact us at 813.871.2690 ext 40410.

  Sincerely,

  GTE Financial

• Initial Complaint

  Date:09/09/2024

  Type:Product 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 mortgage from gte. I'm going through hard time to health issues. So I to sell pay and get the remaining to rent a place to stay. The closing done on 08/16/2024. I was told by my tille company waiting I will the refund from *** now about 4 weeks never received any money from them. I sent them several emails no response. I call them, they don't want to talk to me. And today rent a air is last day to pay them or move from I have no money to do any of them. Please help me get my refund.

  Business Response

  Date: 09/10/2024

  Dear Ms. *************** sincerely apologize for the inconvenience this situation has caused.
  While refunds typically take up to two weeks to process, we have escalated your case due to the issue at hand. As a result, the refund will be credited to your savings account with GTE by the close of business on September 11, 2024.
  Thank you for your understanding and patience.
  Kind regards,
  GTE Financial

  Customer Answer

  Date: 09/26/2024

  On 12/21/2020 I Finance a Home Loan with gte the purchase price was ****** I put down 5% off that amount. After a while my health status changed I can't work the hours I used to work I fell behind on my mortgage, so I decided to sell they can get their money back instead a foreclosure. When they sent the pay off request they requested ********* I called them to asked why so much she told me, she can't explain to me. because they don't owed me explanation. I said ok Ill them finished with everything than ***** refund me the excess, but after I closed on 08/16/2024 the little company told me in 2 weeks I will received the refund, almost 4-weeks I did not received anything I contact BBB but when BBB send me notification I could not read the message on 09/25 I finally able to do so their was a message from bbb a representative from *** stated they were going to deposited the money to my saving account. The account locked out off a long time ago. I don't have access too. After attempts the after hours services told their was $4800 dollars deposited to my account. I want to know why so small amount and why they collected the amount I never ow them. And all the money I paid on Principal what happened to it? I did not have interest only loan with them. My interest rate was 3.5% most of my payment went to the principal plus my down payment.

  Business Response

  Date: 09/26/2024

  Dear *** ********, 

  The amount of the refund was for the ************************************** that was placed on the mortgage. Besides the insurance refund, there are no other refunds on the mortgage. 

  Thank you, 

  GTE Financial

  Customer Answer

  Date: 09/27/2024

   
  Complaint: 22259218
  
  I am rejecting this response because:
  
  Sincerely,
  
  **** ********

• Initial Complaint

  Date:08/20/2024

  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 complaint refers to recent changes to GTE Financial (***) software that are dictating which email hosting companies a *** customer can use as part of transferring funds to an external (non-***) ********** part of transferring money to an external account the *** user is forced to re-verify their email address, and the *** software will not allow certain email hosting companies to be used, even though that same email has already been verified for use in accessing the *** users accounts.If the *** bank customer uses, say, ****** email they can verify their email address and transfer to external accounts, but if they use a company like ******** email hosting, as I do, it is impossible to verify their email address and therefore transfers to external accounts are impossible. My only options are the following none of which are good options:Get and use a different email account from a *** supported email provider (such as ******),Turn off a security feature called DMARC on my ********* email server that helps prevent email spoofing and SPAM.Get a different bank!My complaints are:**** took over a month of my time trying to get *** to escalate this issue to a high enough level to find out even roughly what the cause ******* violates the right to choose my own email hosting company restrictive practice?**** is inconsistent in the way emails are verified, applying a much higher standard for external transfers than it does for account *********** warning that this change was *********** list of approved email hosting companies that can be used with **** external transfer ************ detailed user error when email validation fails. (e.g. email is running on a non-supported email host)I would like to talk to someone at *** who truly understands why this restriction exists and try to get them to find a secure protocol for email verification for external transfers without using this email server restriction.

  Business Response

  Date: 08/28/2024

  Dear Ms. ************************ you for reaching out. Unfortunately, the security of external transfers is managed by a vendor. We will inform the vendor of the issues these limitations cause. At this time, we are not able to change the security measures they have set. We will have a conversation with them to see what the next steps would be or if we can get ******** approved as an email provider. 
  Thank you, 
  GTE Financial

  Customer Answer

  Date: 08/31/2024

   
  Complaint: 22167162
  
  I am rejecting this response because: It was informational and didn't change the reason that I complained.

  I would like this complaint to remain open until GTE has had time to have a conversation with their software vendor to see what the next steps would be or if they can get ******** approved as an email provider.  My email, **************** is hosted by ********.
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 09/03/2024

  Thank you *** ********. 

  I have two tickets opened with our vendor and are currently working on it. 

  Thank you,

  GTE Financial

  Customer Answer

  Date: 09/13/2024

   
  Complaint: 22167162
  
  I am rejecting this response because: I want to wait for the outcome of their conversations with their vendor about this issue
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 09/13/2024

  Thank you for reaching out *** ********,

  Unfortunately, at this time I don't have any updates from our vendor as they are still looking into this matter with our internal team. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:08/07/2024

  Type:Product 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 check from funds I received from a stock account. I deposited it and didnt realize there was a limit to the amount you can deposit which is $10,000.00 my check was $35,000.00. My husband passed away and this was part of money left to me. After 3 days I received a letter that said my check wasnt accepted and they destroyed the transaction. I callled and they were very rude I have banked with them more than 30 years. I asked how long the hold would be they never gave me a hold remover date. Probably 7 days. The seven days have come and gone I called again 2days ago still a run around said they can hold it for 15 days. Ive looked it up and I dont see any where that is possible. Its drawn on a Computer share account through ******** I took this money out to take my granddaughters on a camping trip with a group they belong to that was putting on a special weekend to celebrate their Pop Pop. Its a group for adults with Down Syndrome. my twin granddaughters have Down Syndrome. I had to quit my job and am trying to help my family while dealing with my husbands death. On top of that I am over drawn from bills that are automatically withdrawn and they keep denying. Please help me. ***************************

  Business Response

  Date: 08/19/2024

  Dear ******************, 

  I sincerely apologize for the service you received. Our remote capture system does have a $10,000 limit. I show that the funds are in your account and available. We will review the calls and take appropriate action.

  Thank you for pointing this out to us. 

  Sincerely, 

  GTE Financial

• Initial Complaint

  Date:07/17/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an escrow overage and Gte sent a check to the wrong address. This was 4 going on 5 months ago. I have contacted them several times to have them reissue another check or credit the money back to my escrow account. They keep saying I need to complete an indemnity form for the check that they sent out. This is unheard of. How can I fill out a form that requires check information when I never got a check. I have worked for a bank for 23 years and the only time an indemnity form is required is when a person that purchased a cashiers check want to put a stop payment on it within a 90 day time period. Well GTE YOU PURCHASED THE CHECK. YOU CAN CLEARLY SEE THE CHECK WAS NOT NEGOTIATED. It has been 4 months, almost 5 which is past the 90 day period. I want a new check sent to me or my escrow account ************************ back my money you have clearly stolen from me!

  Business Response

  Date: 07/18/2024

  Good **************, 

  It is my understanding that you were able to get in contact with **** from the ******************** He has advised me that the issue has been resolved. I do appologize for the inconvenience this may have caused. 

  Thank you for your time and membership. 

  Sincerely, 

  GTE Financial

  Customer Answer

  Date: 07/18/2024

   
  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,
  
  ***********************

• Initial Complaint

  Date:07/15/2024

  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.

  I am writing to formally lodge a complaint against GTE Financial regarding their failure to clearly and openly disclose all associated fees or to provide adequate explanations of these fees when opening member share accounts. Had these fees been disclosed, I would have never opened an account with them.Up until the closure of my checking account on 07/14, ********************** was charging my account for declined transaction fees and overdraft fees, even after I explicitly requested that they not let my account go negative by turning off courtesy pay. As a result, I have incurred fees amounting to upwards of $200.00.I am seeking the return of all fees paid, as I believe GTE Financial's failure to disclose these fees and the manner in which the account was opened constitutes a bait-and-switch tactic.Thank you for your prompt attention to this matter.

  Business Response

  Date: 07/15/2024

  Dear ****************,
  During the account opening process, we provide our disclosures and schedule of fees for your review. Additionally, the schedule of fees is available on our website by searching "Fees." Upon reviewing your account, I have confirmed that the fees charged are valid and, therefore, will not be waived at this time.
  Should you have any further questions, please feel free to contact us at **********************.
  Thank you,
  GTE Financial

• Initial Complaint

  Date:07/11/2024

  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.

  I have an auto loan with GTE financial. The original loan was added to by adding car insurance to my loan which i didn't think you can do. I also already have car insurance. So how and why were they able to add this without my consent?

  Business Response

  Date: 07/15/2024

  Dear ************, 

  I will have someone from the ******************** give you a call. An auto loan should have collateral protection insurance at all times. Any lapse in insurance will require verification that you were fully insured during that period. Our ******************** will be able to provide you additional information. 

  Thank you, 

  GTE Financial

• Initial Complaint

  Date:07/02/2024

  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.

  Someone opened a checking account in my name for a GTE FINANCIAL CREDIT UNION CHECKING ACCOUNT. Listed on my ChexSystems Report is account # ********** that I have no knowledge of. I have no clue when the account was open and the reported address of ********************************************* which I have no knowledge of or am I associated with. It also states that whoever opened this account in my name owes an unpaid balance of $1120.64. I wrote 2 letters to you all and didn't get a response so I Filed a BBB complaint and wrote to The Attorney General to get this problem solved. Please send me all information pertaining to this account such as identifications use to open this account if there was any. Please send me all IP data if this account was opened online. Please send me all wet signature documents if this account was open in a local branch. Please remove this account from my ChexSystems Report as it doesn't belong to me because I did not open this account. If you cannot show me all of the above information as requested, then please remove this account from my ChexSystems report immediately.

  Business Response

  Date: 07/10/2024

  Dear ******************,
  I have received the documents you provided and have forwarded them to our **************** for review. They will begin their investigation and will reach out to you if further information is needed. Additionally, I have notified our Member Resolution Team to update your ChexSystems record once the investigation is complete.
  Thank you,
  GTE Financial

  Customer Answer

  Date: 07/15/2024

   
  Complaint: 21930013
  
  I am rejecting this response because:I haven't received any update on this matter. I called GTE 4 times within the past 2 weeks and no one could direct me to the right department that handles these type of matters. I'm requesting a phone call or email or something from GTE.
  
  Sincerely,
  
  ******************

  Business Response

  Date: 07/15/2024

  Dear ******************,

  Our team has spoken with you in regards to this matter. If you need additional information, please call **********************.

  Thank you, 

  GTE Financial

  
  

  Customer Answer

  Date: 07/15/2024

   
  Complaint: 21930013
  
  I am rejecting this response because: oh my *****!!! Nobody has spoken with me at all. Submit the recorded call or transcript if you spoke with me. Please do not lie on me. There was never a conversation between me and GTE. I need to know waa going on with the investigation of GTE letting someone open a bank account in my name.
  
  Sincerely,
  
  ******************

  Business Response

  Date: 07/17/2024

  Dear ******************,

  After further investigation, it was determined that this is not a case of identity theft. An identity theft denial letter has been sent to your address. For further information, please contact our **************** at **********************.

  Thank you, 

  GTE Financial