Tyndall Federal Credit Union Main St, Chipley, Florida

Tyndall Federal Credit Union Reviews

3.7 stars based on 20 reviews

Featured Comments:

• T

  TEQUILA WRIGHT

  5.0

  I love t everything about this location

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  Response from the owner

  Thank you, Tequila!

• R

  R. RIgsby

  1.0

  If you apply with Tyndall, there is a litany of restrictions under which you can be "accepted" as a member. More critically, the disclosure that you must agree to even before you may continue the application process contains the statement that a credit report will be pulled for each person applying as a member. As prudent people, we would believe a credit report would be among the final actions taken before granting membership and yet it precedes the remainder of information necessary. Also understand fully that this is not a typical soft inquiry, wherein verification of identity and general credit worthiness is established, but rather a full hard inquiry in the very same regard as if applying for credit at any establishment. What it actually constitutes as part of the lengthy application process is determining whether you constitute a target for solicitation of their credit services such as mortgage, auto and other loan services. I have been a member of 2 federal credit unions for more than 10 years now and never once during the application process was I confronted with a disclaimer that must be signed and agreed to wherein a hard credit report was established as part of the application process to deposit, not borrow, money and to open a simple checking account. Tyndall Federal Credit Union's disclaimer intentionally does not clarify whether the credit inquiry is a soft inquiry or full hard credit report. The difference is that a full hard inquiry is established on the credit report and in this case incorrectly reflects that you have applied and are seeking acceptance of loan applications, not the mere opening of a personal checking account to deposit money. Such inappropriate actions by Tyndall Federal Credit Union can affect your credit score. In my opinion, Tyndall is using the hard inquiry credit information as an unsolicited and intentional measure in order to peddle loan and other credit union services in all instances where your credit worthiness meets their criteria. I find it entirely invasive and well beyond what is necessary and sufficient to merely open a checking and savings account. This practice is not what is considered as a means to invite potential customers or members, but nothing more than a portal to investigate the background of those who apply. Realize that Tyndall is performing this full hard credit inquiry without having to accept you as a member. It is a preliminary process, not a process performed in conclusion. ******************************* Addendum- I edited this review to demonstrate a premise that has become all too prevalent on the Internet. Whenever someone receives a negative review, it is very promptly responded to by members of the organization under scrutiny. In this case, Tyndall Federal Credit Union is quick to make a point that pulling a hard credit report for mere membership was an "error" made by their new credit bureau partner and I was thanked for pointing it out because they stated complete unawareness to the fact. But you see Tyndall personnel are the ones who receive the credit reports being generated by their "new partner" and so if a hard report is pulled and provided to Tyndall, they would instantly realize that an error had been made. A soft credit inquiry is entirely different than a hard credit report and yet Tyndall claims total unawareness to the fact until I mentioned it in my review. Tyndall Federal Credit Union knew full well that they were receiving and inspecting hard credit reports instead of soft inquiries. Their rebuttal is simply plausible denial. It's how institutions respond these days when exposure occurs. It was a "mistake" made by their new partner, not Tyndall but they accepted the report without consent or contacting me. They advertise how vigilant they are in protecting their customers' assets from the criminal elements. Tyndall can't even protect their customers from their new partner's illegal overreach. How can they even begin to protect anyone's assets? Tyndall has since removed their response and admission of error from your view.

• S

  Summer Waters

  1.0

  Worst bank ever. Every branch is rude and this one is no exception

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  Response from the owner

  Hi Summer, We are sorry you had a bad experience. We would love to learn more about what happened. Please call us at 850-769-9999.

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