Complaints

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

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  Wright-Patt Credit Union, Inc.

  3560 Pentagon Blvd. Beavercreek, OH 45431

  
• 

  Wright Patt Credit Union Inc.

  161 Carrie Dr Wilmington, OH 45177-1994

  
• 

  Wright Patt Credit Union Inc.

  4560 Lafayette Avenue Norwood, OH 45212

  
• 

  Wright-Patt Credit Union, Inc.

  2404 Stringtown Rd. Grove City, OH 43123

  
• 

  Wright-Patt Credit Union, Inc.

  2455 Executive Park Blvd Fairborn, OH 45324

  

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:03/21/2025

  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 recently reviewed my credit report and noticed an inaccurate and invalid account reported by wright patt credit union . This account is not valid, and its presence on my report is a violation of the Fair Credit Reporting Act (FCRA). Under the FCRA, all reported accounts must be accurate, verifiable, and legally collectible. This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt, and without sufficient proof, it should not be reported. I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of the account, it must be removed in compliance with federal law.

  

  Business Response

  Date: 03/28/2025

  Mr. ******,
  
  Thank you for contacting Wright-Patt Credit Union. We appreciate you taking the time to work together to address your concerns! 

  As I mentioned on our call a few days ago, a letter is also being mailed to you with the results of our investigation. 

  You are welcome to call us at: ***** ******** if you ever have more questions. 
  Take care.   
  
  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

  
  

  Customer Answer

  Date: 03/31/2025

  
  Complaint: ********
  
  I am rejecting this response because:
  They wrote it as a charge off and that’s effecting my credit score and I don’t even have the car anymore
  Sincerely,
  
  ***** ****** **

  

  Business Response

  Date: 04/01/2025

  Mr. ******,
  
  We understand that you are unsatisfied with our recent findings. Based on our recent phone conversation, I believed there was a clear understanding of the account status that you have disputed.
  
  The letter I referenced in my previous response, and in our call, will have additional information regarding our investigation into your credit report; however, should you receive it and still have further questions, you are welcome to contact us at ***** ********, and we can provide you with copies of loan and account records to support the accurate credit reporting.
  
  Thank you again for your time.

  
  **** **
  Member Experience Analyst
  Wright-Patt Credit Union

• Initial Complaint

  Date:03/13/2025

  Type:Service or Repair 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 haven't been able to access my credit card portion of my account on the website or app in 3 months. I get "and error has occurred" (screenshot attached). I also have been unable to use the card. When I call the number they say they need to send a new card. They've "tried to send a new card" 6 different times and told me to wait 2 weeks each time and I never get a card. When I call back they say there was an error in it sending. At this point everyone just gives me the run around. The cc department says I need to speak to chat support, chat support says i need to talk to member services, member services says I need to talk to cc support, and we just go in that circle forever. I just want to use my credit card.

  

  Business Response

  Date: 03/17/2025

  Mr. ******,
  Thank you for taking the time to contact us about your concerns regarding the issues you are experiencing with your Wright-Patt Credit Union (“WPCU”) credit card. I am sorry to hear these problems have persisted, despite your numerous attempts to have them resolved. 
  I have reached out to the necessary teams who are working to assess why this may be happening, and to get your account and card back to full functionality.  I attempted to call you with the information that I received, and to update you with progress, but was unable to reach you.
  Please feel free to call me back so we can discuss the situation in more detail, at ***** ******** x****.
  Thank you for being a member of WPCU.
  
  **** *.
  Member Experience Analyst
  Wright-Patt Credit Union
  
  

  Customer Answer

  Date: 03/25/2025

  
  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. **** was very quick and helpful and resolved both issues.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:03/07/2025

  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 have been a member of WPCU since I was old enough to open a bank account. Naturally I chose them for my auto loan. Since I purchased it I had been making bi-weekly payments. Due to a change in job I missed 2 payments due to getting paid once at the end of the month now. I scheduled a payment and it was returned stating my account was frozen. I was then told that my loan was in collections, which I had ZERO notice of, and collections then informed me that my car was now to be repossessed. I have had ZERO communication regarding my account being in collections prior to this. Conveniently the collections department could not get ahold of the repossession company for me to find out how much I am going to have to pay to stop the repossession. This all could have been avoided if I would have been notified of my loan being in collections in the first place. I had a payment scheduled to get my loan caught up. I am so glad I made the decision to leave WPCU when I did. No calls, voicemails, or even a letter in the mail to inform me of anything. This is shady all around.

  

  Business Response

  Date: 03/11/2025

  Ms. *********,
  Thank you for taking the time to share your concerns about your recent experience with Wright-Patt Credit Union (“WPCU”).
  We have attempted to reach you to discuss your complaint, but have been unable to reach you. If you are interested in discussing this further, please contact me.

  In your complaint, you explain that there was a lack of communication between WPCU and yourself, regarding the delinquent payments to your auto loan. 
  In reviewing the activity from our Collections Department, I am showing that we made multiple attempts by phone and mail from October to December of 2024 in an effort to discuss the delinquency; however, we did not receive any correspondence in return and the vehicle was subsequently put into repossession status on January 24, 2025.  We still attempted to contact you beyond that time until we were able to connect with you to receive the payments necessary to cancel the repossession order.
  The loan is now current with the next due date of March 19, 2025.
  
  If you have any additional questions, please feel free to contact our Collections department at ************ for further assistance. Thank you for being a member of WPCU.
  
  **** ** Member Experience Analyst
  Wright-Patt Credit Union 

• Initial Complaint

  Date:02/26/2025

  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.

  On or around 2/26/2025 Wright Patt credit Union allowed a transaction of $57.72 to be deducted from my checking account. My checking account only had $0.02 causing my account to got negative $57.70. I do not have any overdraft protection on my account and this transaction should not have went through.

  

  Business Response

  Date: 03/06/2025

  Dear Mr. *****, 
  
  Thank you for reaching out to Wright-Patt Credit Union ("WPCU") with your concern. We understand your recent interaction with us resulted in a frustrating experience and we are happy to address those concerns with you. We have attempted to reach you to discuss this matter further, but at this time, you have declined. We respect this decision, and we are always open to discussing this experience further with you. Please feel free to contact me at your earliest convenience at the contact information below. 
  
  Thank you again for bringing this to our attention, and we look forward to connecting with you. 

  Best Regards, 
  
  **** **

  Member Experience Analyst
  ************ ext. ****
  *******************

• Initial Complaint

  Date:02/24/2025

  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.

  On the 18th of February, 2025 I had paid off my mortgage loan of $58,144.75 and have proof. On the 21st of February, I called to find out why it wasn't paid off yet. ***** said I had interest charges of $176.47, so I told her to take it out of my account for the final pay off. On the 23rd of February I had to pay another $176.47. Until this date, they have my money but have not paid it off yet because they want to incur interest. and collect more money out of me. This is my hard earned money they're holding just to get more interest out of me. Now I want that interest back to me because they are holding my money and won't pay off my loan.

  Customer Answer

  Date: 02/26/2025

  Thank you very much for your timely response. The mortgage help center had contacted me the same day you reached out and communicated with them. The problem immediately was resolved!

  Thank you again for your help!

• Initial Complaint

  Date:02/14/2025

  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 this credit union for years so what happened was my car was totaled on November 17 2024. Allied solutions sent a check for the total loss on the vehicle and instead of cashing the check when it was received. Wright patt held the check for weeks and weeks to the point allied solutions had to void the check because wright patt was illegally holding it and wouldn’t deposit in a timely manner as they should have. I was told the check would clear plenty of weeks before my car note was due. Due to wright patt not caring to deposit the check and holding onto it I missed one payment on the account. This was my third car loan through them which each car has never had a missed payment and was paid off each time. The vehicle was towed away about two weeks after accident occurred and someone put voluntary surrender on my account even though it wasn’t a repossession and I never missed a payment until I was lied to about them cashing the check to my account. So it is weeks later and I’m expecting my account to be ok because the check was supposed to have cleared by that point and instead of doing what they were supposed to a new check was issued and my credit is ruined it is only right that my account on my credit is fixed due to them illegally holding onto this 30 k dollar check why was it not cashed when it should have been and why did Allied solutions have to void it because she had proof they had it for weeks. Now I’m going without a car and they won’t approve me for a new loan even though this wasn’t my fault I need help. This was not a repossession and my payment wouldn’t have been missed if I wasn’t lied to

  

  Business Response

  Date: 02/24/2025

  Dear Ms. ******,
  
  Thank you for reaching out to Wright-Patt Credit Union (“WPCU”) with your concern. In your complaint, you describe your recent experience regarding your totaled vehicle and credit reporting with the associated loan. We have attempted to reach you to discuss this matter further, but have not been able to connect with you.
  
  I have been in contact our Collections Team, along with our Credit Reporting Team, to update your credit report to reflect activity consistent with your loan balance and payments, as opposed to the voluntary pickup of the vehicle, which was required through use of our collateral protection insurance. 
  
  As of today, we are showing that your loan is current and will report as such on your credit report; however, late marks will still be reported.  Verbiage and reporting related to repossession have been removed and may take up to 45 days to reflect on the consumer side. 
  
  Should you have any questions or further concerns, please feel free to contact me and I would be happy to assist.
  
  Thank you,
  
  **** ** Member Experience Analyst
  Wright-Patt Credit Union
  ************ **** ****

  Customer Answer

  Date: 02/25/2025

  
  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:02/10/2025

  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.

  Subject: Unauthorized Hard Inquiries on My Credit Report Dear Better Business Bureau, I am writing to formally file a complaint against the following companies for unauthorized hard inquiries on my credit reports from TransUnion, Equifax, and Experian. These inquiries were not authorized by me and are negatively impacting my credit score. The inquiries in question are: WR PATT CR U – Inquiry on January 18, 2025 I request that these unauthorized inquiries be removed from my credit report immediately. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute inaccurate or unauthorized information on my credit reports. Since I did not authorize these companies to perform hard inquiries, they should not appear on my reports. Please investigate this matter and take the necessary steps to ensure the removal of these inquiries. I appreciate your prompt attention to this issue and look forward to your response. If you need any additional information, feel free to contact me at the phone number or email listed above. Sincerely, ?****** Gwynn ?DOB: February 27, 1984 ?SSN: XXX-XX-****

  

  Business Response

  Date: 02/13/2025

  ******,
  
  Thank you for reaching out to Wright-Patt Credit Union (“WPCU”) with your concern and taking the time to speak with me today, to help investigate this further.
  WPCU is making contact with the dealership who initiated this loan application, and are working to get more information as to why there are hard pulls on your credit, that stemmed from an application with them. 
  Once we have more information, we will be sure to stay in contact with you regarding any updates we receive. 
  You are welcome to contact me directly, should you have any concerns in the meantime. 
  
  **** ****** Member Experience Analyst
  Wright-Patt Credit Union
  ************ *****

• Initial Complaint

  Date:02/06/2025

  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.

  Wright Patt credit Union knew that they were going to repo my car back in September 2024 but yet continue taking payments out until they repo my car last month in January long story short they took payments for five months I feel that they should give me those payments back because they went up on my car payments but I was never contact to that fact so I thought everything was fine until I went out to get in my car and it was gone anything they claim I owe them should be written off for the months they took payments which would be five months of payments I shouldn't have paid.

  

  Business Response

  Date: 02/13/2025

  *****,
  
  Thank you for reaching out to Wright-Patt Credit Union (“WPCU”) with your concern, and taking the time to speak with me to help investigate this further.
  During our conversation, we discussed the fact that we are unable to refund any of the payments to you, and addressed the increased amount for the minimum payment as a result of collateral protection insurance being added to the loan balance. At this time, WPCU is looking into options for you to redeem your vehicle, as you continue towards obtaining personal insurance on the vehicle.
  We will continue to assess this situation as it progresses. 
  You are welcome to contact me throughout the process, if you have any questions or concerns.   
  
  
  **** ****** Member Experience Analyst
  Wright-Patt Credit Union
  ************ *****
  

  Customer Answer

  Date: 02/13/2025

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

• Initial Complaint

  Date:01/08/2025

  Type:Service or Repair 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 helped my brother finance his car into his name with myself as primary of the loan on 09/24/25. It was an out of state private seller that wright Patt credit union advertised they specialize in. The loan was opened in September. It's now January, and nothing has gone well. Wright Patt had no idea how to obtain the title, even though the previous party signed power of attorney documents. We did all of the work in this. The car can no longer be plated in the state of Ohio, Wright Patt stating that they cannot obtain the title. They have a loan on a car that they don't even have a title to or legally a lien on it. You would think they would want to try to come to a resolution, but so far they haven't. The resolution they offered was for the previous party to get a copy of the title (which can take up to 60 days) and then mail it to myself/or my brother. In the meantime temporary tags have expired on the vehicle and it can no longer legally be driven. Every conversation ends the same way basically with them stating that they can't do anything at this point in time. At this point in time I understand we may just have to wait on the title to come through to them even though at this point in time we've been fighting this out for three months. While this is getting resolved wright Patt should at least put this car loan in an interest free forbearance and pay back already paid interest as this car can't even be driven at this time. Their customer service agents haven't been helpful. Branch managers and titling managers haven't been helpful. I've never had the amount of issues as I've had with Wright Patt.

  

  Business Response

  Date: 01/16/2025

  Dear Mr. ****, 

  Thank you for reaching out to Wright-Patt Credit Union with your concern. We have taken the time to review your ongoing concern with your title and as of today we have been in contact with you regarding the delay of title from the seller and state of Arizona.  We were able to confirm with the title office that they have mailed out the title for processing and we are simply awaiting its arrival for completion.  
  We also contacted the State of Ohio BMV in order to obtain information that you may use in order to attempt to obtain another temporary tag. As of now, we have worked with you on a plan moving forward to request additional temporary tags while awaiting the title. We remain dedicated to working closely with you and any other necessary parties, in order to work through this matter to completion.  We thank you for your patience through this process and please reach out to me if you have any additional questions. 
  Best Regards, 
  
  **** ** 
  Wright-Patt Credit Union
  Member Experience Analyst 

  Customer Answer

  Date: 02/06/2025

  Hi! 

  The issue has been resolved. 

  Thanks! 

• Initial Complaint

  Date:01/02/2025

  Type:Service or Repair 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.

  We financed a recent car purchase through Wright-Patt because that is the bank used by the dealer. We paid off the car early, in October, using Plastiq, a credit card processing platform. When the title to the car did not arrive in the mail, we called to request it in November, and the Credit Union representative said it would be mailed. When it still hadn't arrived by the end of the year, we called again and were told that the title had been mailed to Plastiq! We understand that Wright-Patt has been in this business for some time. If we had paid by check with our bank's name on it, would the title have been sent to our bank? If we had paid by credit card, would it have been sent to MasterCard? The representative now says that a new lien has to be established against the car in order for the title to be re-processed (and even then it will still be two to three weeks). We reluctantly agreed because we want the title, but this seems like incompetence at best and a very fishy practice at worst. How does a supposedly reputable credit union allow this to happen?

  

  Business Response

  Date: 01/10/2025

  Hello ****,

  Thank you for taking the time to connect with me yesterday. Once again, I apologize for the delays in getting your title, but I am happy that we have since rectified the issue and expedited that process in order to get the it delivered promptly. I am also glad that we were able to provide some clarification in the communications that you previously had, so that we are all on the same page. Miscommunications can cause undue stress, and our hope as a credit union is to reduce stress, not increase it. As I said yesterday, I will be in contact with you if any further action would be recommended or needed. If you have any further issues with the title, or would like assistance in other matters, please don't hesitate to reach out to me and the number I've provided!

  Thank you for working with us toward resolution, and thank you for being a member.

  Sincerely,

  *** ********

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

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

  Customer Answer

  Date: 01/10/2025

  
  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. Wright-Patt was prompt, professional, and apologetic. We have now received the title and appreciate the follow-through.
  
  Sincerely,
  
  **** *******