Complaints

This profile includes complaints for Tampa Bay Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Tampa Bay Federal Credit Union

  3815 N Nebraska Ave Tampa, FL 33603-5037

• 

  Tampa Bay Federal Credit Union

  PO Box 7492 Tampa, FL 33673-7492

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:11/30/2024

  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.

  they charged me for a stop payment of $35; but the check had already been cleared.

  Business Response

  Date: 12/02/2024

  Ms. ******************* letter is in response to a recent Better Business Bureau (BBB) inquiry dated November *******, that has been brought to our attention regarding the $35.00 stop payment fee.
  
  In response to your stop payment fee refund request, we have refunded $35.00 in fees.
  Ms. ******, we regret any inconvenience you may have experienced as a result of this matter.  We also wanted to thank you for your feedback which has been shared with our management team in an effort to improve the services we provide to all our members.
  
  If you have any other questions, please contact us directly at **********************. 

• Initial Complaint

  Date:07/03/2024

  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 ***/*****,I am writing to formally lodge a complaint against Tampa Bay Federal Credit Union regarding the unwarranted garnishment of my wages for a vehicle that I neither own nor possess. This situation has been severely impacting my financial well-being, and I am seeking immediate resolution.1. **Description of the Problem:** - Tampa Bay Federal Credit Union has been garnishing my wages for several months now, under the assertion that I owe payments for a vehicle. However, I do not own, nor have I ever possessed, the vehicle in question. - The garnishment has caused significant financial strain, affecting my ability to meet essential living expenses and obligations.2. **Attempts to Resolve:** - I have made multiple attempts to resolve this issue directly with Tampa Bay Federal Credit Union. I have contacted their customer service department but my concerns have not been adequately addressed. - Despite providing evidence that I do not own the vehicle, the garnishments have continued unabated.3. **Impact on Financial Status:** - The wrongful garnishment of my wages has led to financial difficulties, including missed bill payments, additional fees, and undue stress. - This unjust action has also damaged my credit score and overall financial stability.**Desired Resolution:**I am seeking the following resolutions: 1. Immediate cessation of wage garnishment by Tampa Bay Federal Credit Union. 2. Full reimbursement of all wages wrongfully garnished to date. 3. A formal written apology from Tampa Bay Federal Credit Union acknowledging the error and detailing steps they will take to prevent such issues in the future. 4. Rectification of any negative impact on my credit report caused by this erroneous garnishment.I trust that the Better Business Bureau can assist in mediating this matter to a satisfactory conclusion. I appreciate your prompt attention to this serious issue.Thank you for your assistance.Sincerely,***************************

  Business Response

  Date: 07/15/2024

  ****************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated July 2, 2024, that has been brought to our attention regarding the garnishment of your wages for a vehicle that you financed with us.
  
  In response to your inquiry, our records show that on April 30, 2018, you signed loan documents to finance the 2013 ****** Camry with Tampa Bay Federal Credit Union.  The records also show that the payments fell behind and due to broken payment arrangements the vehicle was finally placed for repossession on December 27, 2021.  The vehicle was recovered on January 12, 2022. 
  
  We sent you the Notice of Intent to Sell, Deficiency Balance Letter and the Pre-Legal Settlement Letter.  After no response was received to these, we referred the case to our legal team. You were served on August 15, 2022, and at that time you signed a Stipulation Agreement for repayment.     
  
  Unfortunately, you failed to make payments on the Stipulation Agreement and in January 2023, your employer was served with the garnishment orders.
  
  ****************, there were multiple attempts on our behalf to collect on this debt prior to the garnishment.  In order to resolve the garnishment, we sincerely ask that you pay the debt in full or send us a letter with a settlement offer for review.    

  Customer Answer

  Date: 07/15/2024

   
  Complaint: 21935751
  
  I am rejecting this response because I voluntarily returned this vehicle. Our country was in a disaster wirh Covid and it wasn't my fault, I could no longer keep up the payments due to lack of hours I had discussed this in 2021 with representative ***** at the time. Then a year later they're sending a letter to my job saying they were going to garnish my wages. I found this out after coming off a suspension with ****.  This is a 11 year old car, and you're trying to get me for ****** $ that I don't have. This car wasn't even worth it

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

  Business Response

  Date: 07/23/2024

  ****************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated July 15,2024, regarding your rebuttal to our initial response.
  
  Its important to note, you signed loan documents on April 30, 2018, to finance the 2013 ****** Camry with Tampa Bay Federal Credit Union.  By doing so, you agreed to all conditions contained in the Loan Agreement, which included; the repayment of all principal, interest and other charges due under the Note.
  
  The inquiry also mentions that you voluntarily returned this vehicle to the credit union.  Our records show that the credit union placed the vehicle for repossession on December 27, 2021, and the vehicle was finally recovered by the credit union on January 12, 2022. 
  
  If you have any other questions,please contact us directly at **********************. 

• Initial Complaint

  Date:04/18/2024

  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 a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this inquiry from my credit report. Please help meinthismatter. -------Tampa Bay Federal CU Inquiry (Date: 09/14/2022) -----

  Business Response

  Date: 04/26/2024

  April 26, 2024
  ***** ***********************
  *******************************************
  *********, *******; 33578
  
  RE: BBB Case ID ********
  
  ****************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated April 18,2024, that has been brought to our attention regarding the inquiry on your credit report dated September 14, 2022.
  
  In response to your inquiry, our records show that we received a credit card application dated September 14, 2022, from you and credit was extended.  The records also show that the credit card was being used and payments were being made on the credit card.  As a result, we are unable to remove the inquiry on the credit report.
  
  ****************, we sincerely regret any inconvenience you may have experienced as a result of this matter.

• Initial Complaint

  Date:01/12/2024

  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 payment submitted but immediately redeposited by PayPal to the account. ******************** insists money not deposited PayPal traced and said deposited Tampa wants to charge me 35 to do a reversal when they are the ones saying they cannot find the funds now I'm out of money and no one can help

  Business Response

  Date: 01/19/2024

  RE: BBB Case ID ********
  
  ****************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated January 12,****, that has been brought to our attention regarding your PAYPAL payment of $145.09 that posted to your account December 21, 2023 and the $35.00 Unauthorized ACH (Automated Clearing House) fee to return the item.
  
  In response to your inquiry, we have returned the unauthorized $145.09 ACH to PAYPAL and waived the $35.00 fee as of January 17, ****.
  
  ****************, we sincerely regret any inconvenience you may have experienced as a result of this matter. 
  
  If you have any other questions, please contact us directly at **********************.

• Initial Complaint

  Date:12/04/2023

  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.

  TBFCU offers free of charge AD&D $1500 insurance benefit; I have made at least 4 attempts to have the application form sent to me (including walking in and phone calls to TBFCU); I was given a phone # for Trustage.com ************; but, when I called them they said they do not offer that plan. I was directed to Minnesota life; when I called Minnesota life they also said they do not send applications out -the credit union sends those out. I was transferred around and left messages with 2 employees at TBFCU; no calls were returned. Please send out application for: free of charge AD&D $1500 insurance benefit to me and my husband ************************thank you.

  Business Response

  Date: 12/19/2023

  Response to Member has been attached.

  Customer Answer

  Date: 12/20/2023

   
  Complaint: 20948674
  
  I am rejecting this response because:
  why can you not send out a form today 
  Sincerely,
  
  *****************************

  Business Response

  Date: 12/26/2023

  December 26, 2023
  *************************
  ********************************
  Tampa, **  33625
  
  RE: BBB Case ID ********
  
  ****************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated December 21,2023, that has been brought to our attention regarding our AD&D (Accidental Death & Dismemberment) Activation Form that we are unable to reproduce.
  
  In response to your inquiry, our Activation Forms are generated by our Plan Administrator after the first quarter of the year; unfortunately, they are unable to reproduce this form prior to April of 2024.
  
  Per our previous response, you are still able to enroll without the Activation Form.  Please contact the Plan Administrator at ************ and they will assist you with enrolling by phone.
  
  ****************, we sincerely regret any inconvenience you may have experienced as a result of this matter. 
  
  If you have any other questions, please contact us directly at **********************.
  
  Sincerely,
  
  *****************
  Contact Center Manager
  Digital Services 

• Initial Complaint

  Date:09/11/2023

  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.

  This information on that has been placed on my credit report has not been permitted or verified by ME. This account needs to be removed from my credit report. This company is reporting false information. I have no knowledge of this account or even my signature to be placed on this platform. This information that you are reporting is not 100% accurate or 100% verifiable, . This needs to be removed immediately.

  Business Response

  Date: 09/27/2023

  September 25, 2023
  
  
  *****************************
  *****************
  *******,**  33510
  
  Re: BBB Complaint
  
  Dear *******************,
  
  We are in receipt of the BBB complaint you filed in reference to the credit reporting on loan XXXX30-60. After review, we found the credit reporting to be accurate. The loan was charged off for non-payment on 9/10/18 and was later settled for $7,753.86 on 7/11/19.
  
  The reporting is showing a status code of charged off and a comment code of settled. The balance owed is reflecting zero.
  
  We have previously responded to your credit bureau disputes on the following dates:
  7/14/21 Reporting accurate
  9/8/21 Reporting accurate
  11/10/21 Reporting accurate
  1/12/22 Reporting accurate
  3/16/22 Reporting accurate
  4/13/22 Reporting accurate
  7/13/22 Reporting accurate
  
  If you have any additional questions, please contact the collection department at **********************.
  
  Sincerely,
  
  
  *******************
  Collection Manager

• Initial Complaint

  Date:08/07/2023

  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.

  Tampa bay FCU has reported inaccurate reporting for the month of apr2023 as being 30 days past due. I have provided Tampa bay fcu which shows their inaccurate reporting. **** of America check ******** was withdrawn on 31Mar2023 and applied on 07Apr2023.This information was provided to Tampa bay FCU and is still showing a Red ? for the month of April 2023 as of 05August.

  Business Response

  Date: 09/07/2023

  Please see attached letter. 

• Initial Complaint

  Date:06/29/2023

  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.

  Poor customer ****************************** withdrew my accounts balance of $22,000 without my knowledge; they made an error and did not correct. They transferred my CD deposits to the state. So they took my money out of my accounts without my permission and they gave my money to the state all without notifying me 6/12/23.They also took out $100 in abandoned property fees (they later gave this back to me due to their errors). Three months before this happened, I spoke with *************** at the ******* Road Branch who assured me that he had made a note in the system that this was an active account and NOT abandoned property. He made this note on 3/8/23 and May 17/23. I also spoke to him 6/28/23 Manager ************ *****am did not help he indicated that it is my problem and attempted to disguise their mistake 6/27/23 phone conversation. Manager ****************** has not called me back per my request and has not provided resolve 6/28/23; once again indicating this is my problem and I can deal with the State on this per customer service rep **** No one there is taking responsibility for their error. This is Grand Theft and I may get police/attorney involved. this has been a lot of time and stress for me due to their error; to include the State does not have record of my money (******************** ************-spoke with ****** 6/27/23 at ***** am). ****** also indication that it takes sometimes over a year to get money. I need my money now to make a purchase now.

  Business Response

  Date: 07/14/2023

  July 6, 2023
  ****** Family Irrevocable Trust
  ********************************
  Tampa, **  33625
  
  RE: BBB Case ID ********
  
  ****************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated June 28, 2023 that has been brought to our attention regarding your abandoned property.
  
  In response to your inquiry, per our Universal Account Agreement (***) on page 21 it outlines that An Account is considered dormant when there has been no activity other than dividend postings during the past twelve months. It also mentions, The Credit Union will notify you, as required by law, at your last known address.  Funds in abandoned accounts will be reported and remitted in accordance with state law. To the extent allowed by law, the Credit Union reserves the right to transfer the Account funds to an account payable and to suspend any further account statements. Once funds have been turned over to the state, the Credit Union has no further liability to you for such funds and if you choose to reclaim such funds, you must apply to the appropriate state agency.
  
  ****************,the Credit Union is required to turn over to the state all member account balances deemed abandoned. Member accounts are presumed abandoned if unclaimed for five (5) or more years. Our records show that you were refunded $100.00 in Dormant Fees on a discretionary basis.
  
  Thank you for bringing this matter to our attention. If you wish to speak with us regarding this matter, please contact us directly at **********************.
  

  Customer Answer

  Date: 07/15/2023

   
  Complaint: 20251933
  
  I am rejecting this response because: I came in to bank in March ************************************************************* the complaint ...your staff noted the account and had my correct address and noted my correct ph...your staff made an error  that has cost me...re read the complaint 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/26/2023

  July 24, 2023
  ****** Family Irrevocable Trust
  ********************************
  Tampa,**  33625
  
  RE: BBB Complaint 20251933
  
  Dear ****************,
  
  In response to your inquiry, the records show you were notified by letter on March 7, 2023,regarding the dormant status of the account. This letter was mailed to the associated account address. 
  
  Its important to note, the Credit Union is required to turn over to the state all member account balances deemed abandoned. Member accounts are presumed abandoned if unclaimed for five (5) or more years.  After the funds have been turned over to the state we rely on the state to post the funds and make them available to you.
  
  We regret any inconvenience this matter may have caused. The records show that you spoke with our ******* Services Manager here at Tampa Bay Federal and she was able to assist with expediting the funds to be available in order for you to claim them with the state.    
  
  ****************,we have refunded $100.00 in Dormant/Abandoned fees on a discretionary basis.    
  
  If you have any questions, please do not hesitate to call our ********************* at **********************.
  
  Sincerely,
  
  ***************************
  ******* Services Manager
  

  Customer Answer

  Date: 07/26/2023

   
  Complaint: 20251933
  
  I am rejecting this response because:

  I came in after that date; you have not read the original complaint
  
  Sincerely,
  
  *************************

  Business Response

  Date: 07/28/2023

  This response was taken verbally by the BBB:

  We have already responded. At this time we have no new response. 

• Initial Complaint

  Date:05/03/2023

  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 am not liable for the debt with TAMP BAY FCU. I do not have a contract with TAMP BAY FCU.You guys need to handle this issue. This has been going on for a long time now that I have seen my information. That's messing my Character & name up as a person.They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attatched as well, they are in major violation.

  Business Response

  Date: 05/16/2023

  
  May 16, 2023
  
  
  *************************
  *********************************
  *************, **  30045
  
  
  Re: BBB Complaint
  
  
  Dear **************,
  
  This letter is in response to the Better Business Bureau complaint we received on May 3rd,2023. Prior to this complaint, we have not received any direct correspondence from you indicating that this loan was fraudulently opened. We had the following interactions with you and this was not mentioned to TBF staff:
  
  Phone Calls: 1/24/22,1/26/22, 1/31/22, 2/7/22, 2/25/22, 2/28/22, 3/4/22, 4/13/22, 4/14/22, 6/10/22
  
  Email: 3/15/22
  
  The calls and email discussed the *** insurance that was added to the loan. This caused the payments to increase and the loan to fall past due.
  
  Credit Disputes:
  
  3/15/22: Member is disputing the late payments for **** and July 2021. We found the reporting to be accurate, however did code your loan to affected by a natural disaster based on the reason for the late payments given in the dispute. This coding prevents the late payments from affecting your credit score.
  
  5/5/22: The dispute was in reference to the late payments on the loan. We found the reporting to be accurate.
  
  5/1/23: Received a dispute asking ** to delete loan from credit bureau. The identity theft report says that the loan was discovered on 4/2020 however, the fraud did not begin until 1/2023. This loan was paid off prior to the date of fraud on the theft report.
  
  If you have any additional questions or would like copies of your signed loan documents, I can be reached at **********************.
  
  Sincerely,
  
  
  *******************
  Collection Manager

  Customer Answer

  Date: 05/17/2023

  please remove this negative item that is affecting my credit scores
  

• Initial Complaint

  Date:04/28/2023

  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.

  Back in April of 2019, Tampa Bay Federal offered a debt consolidation loan that I used for 4 different credit cards. For the past 5 years, I've been faithfully paying off this debt. Last month, I received notification that 1 of the 4 credit card consolation requests was rejected. I only found out this information when I was served a lawsuit requesting payment for one of the credit cards that was included in this debt consolidation loan. I began conducting research, only to find that the check that Tampa Bay Federal sent to the other creditor was rejected because the check was signed with an E-signature instead of a wet signature. This means that the loan that I've been paying for the past 5 years was for nothing if the debt was not indeed paid off. After fighting with countless *************** associates over the phone, I went to the ******* branch to seek resolution. I was told that there is research done by an associate at Tampa Bay Federal to verify the requirements for each credit card, so there shouldn't have been an issue, and the credit card consolidation request should have been correct (though it clearly wasn't). I was also told research would be conducted and that if they find that the check wasn't cashed, they will refund my money. Of course they never called as they said they would; instead I called and was told that they were not sure if the check was cashed. Furthermore, they said they would no longer look into the issue because it dates back to 2019 (this information is not on the contract I signed; even still, they charged me a $15 research fee to look into an issue that dates back this far). I asked if that means that they are keeping my $2000 that I paid for this debt, and the associate responded "yes." Even after all of this, they were not able to give me a clear answer or provide a reasonable resolution. As a faithful member for almost 10 years, I can't believe they are admitting to stealing money from me and refusing to correct their wrongdoing.

  Business Response

  Date: 05/10/2023

  
  May 4, 2023
  *******************************
  ******************************************
  Apt. 201
  *********, **  33578
  
  RE: BBB Case ID ********
  
  ********************,
  
  This letter is in response to a recent Better Business Bureau (BBB) inquiry dated April 28,2023, that has been brought to our attention regarding your concern about an official check that was issued to Navy Federal Credit Union to pay off a loan,on your behalf.
  
  In response to your inquiry, our records show that official check number ******* for $1,918.96 dated April 2, 2019; was mailed to Navy Federal Credit Union to payoff and close your Navy Federal account.  There is no indication that the check was rejected due to an electronic signature;furthermore, the records show that the check in question was negotiated and cleared April 19, 2019; by Navy Federal Credit Union. 
  
  On May 1,2023; a letter was sent to you from Tampa Bay Federal regarding our research.  This letter confirms that we took all the necessary steps during the processing of this loan and are not liable for the check that Navy Federal Credit Union negotiated.  Included with this letter was our Payoff Request Letter; signed by you, which confirms the address and account number that was being paid off.
  
  During our interactions with you a copy of the negotiated item was provided for your records. 
  
  Your inquiry also mentions that we would not look into the matter from 2019, please be advised that per our Universal Account Agreement and Disclosures; on Page 18 under the heading Error Resolution Notice, that we must hear from you no later than ***************************************************************** error appeared.  As a result, we are unable to recover an item from 2019. 
  
  Thank you for bringing this matter to our attention. If you wish to speak with ** regarding this matter, please contact ** directly at **********************.
  
  Sincerely,
  
  
  ***************************
  Assistant Sales & Service Manager-Ybor/*******