Complaints

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

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  Alliant Credit Union

  11545 W Touhy Ave Chicago, IL 60666-5000

  
• 

  Alliant Credit Union

  7505 E. 35th Ave. #3-385 Denver, CO 80238

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:04/18/2025

  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 became a member of Alliant to transfer a $10,000 credit card balance with reduced fees and 0% interest. During sign-up, I apparently selected the wrong credit card product. I didn't know something was wrong until I was charged interest and a higher transfer fee, and didn't find out exactly what was wrong until the 3rd Alliant employee I spoke with. After many failed attempts at having a reasonable discussion with a level 1 rep, I requested that someone from the back office contact me. On 3/13/25, ******** stated that they would not refund the fee, but they would reverse the interest if the balance was paid back. Within two days, I had paid off the balance and let ******** know, but she ghosted me. After many attempts to have the promise fulfilled, on April 4, 2025, ******** let me know that the interest was reversed but that more interest had been posted. They were working on dealing with that and would reach out again when it was resolved. Now that it's approaching the credit card payment due date, I fear that more fees, interest, and negative comments will be added to my credit report.All of this is legally enforceable and in writing. What is the hold-up, Alliant?

  

  Business Response

  Date: 04/28/2025

  RE:BBB Complaint ID ********
  
  
  Dear ******** ******,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated April 20, 2025.
  
  We are sorry to hear that you selected the wrong credit card product when applying.  We apologize for the delay you experienced with the reversal of the initial interest charge on your credit card, which resulted in a new **** statement to cycle and an additional interest charge to be applied.
  
  To find resolution in this matter the interest charge for $63.61 was reversed on April 21, 2025.  In addition, your **** credit card account and deposit accounts have been closed, per your request.  The ending balance of your Savings account has been issued and mailed by check. Please allow 7-10 business days for mail delivery. 
  
  Lastly,you will be mailed paper statements for your **** account and deposit accounts after the current statement cycle(s) end. You may refer to your paper statements to review the adjustments completed.
  
  Thank you for bringing your concerns to our attention.  We hope that you find this information helpful. If you have any questions, call us at ************. 
  
  
  Sincerely,
  
  Alliant Credit Union
  

  Customer Answer

  Date: 04/28/2025

   
  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:04/15/2025

  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 filed a dispute against ** with Alliant Credit Union regarding a charge to my credit card. It was initially denied stating that the vendor said the prices I stated for the purchase was incorrect. I requested an internal review. Although I received no correspondence stating so, I was told verbally that it was denied again.Please note the facts of this case:1. On November 13, 2024, we ordered several items from **. The total of the purchase was $4437.55. Prior to shipping, we cancelled a refrigerator that was on the order.The price of the refrigerator was $2609.00 prior to a 15% discount. After discount, the price was $2217.65. The total cost after Texas sales tax ($182.96) was applied was $2400.61. ** has refunded $2216.99 on the refrigerator.2. ** claims that the price of the fridge was not as stated above (and on the attached receipt) and that there were variable discounts applied to various items on the order. I have attached the original invoice which clearly states the original price of the fridge (page 3 of receipt) and the 15% discount that was applied to the entire order (page 3 of receipt). The sale was a special promotion for veterans that was a 15% discount site wide. Unfortunately, I believe whoever processed this dispute on the ** side and the dispute department did not fully understand the receipt or order and tried to justify this obvious error.I am requesting that this case be reviewed by someone that has a clear understanding of the application of discounts and sales tax and that the $182.96 difference between the correct amount and the refunded amount be credited to our card. If for some reason this is not done, I would appreciate an explanation about how the attached evidence can be ignored.If you have any further questions, please contact me by e-mail or phone rather than postal service as I travel extensively and only see my mail once every 3 weeks!

  

  Business Response

  Date: 04/29/2025

  Our response is attached. Thank you. 

  Customer Answer

  Date: 04/30/2025

   
  Complaint: 23209653
  
  I am rejecting this response because: I am seriously concerned that Alliant does not look at any information that I submit! Their response states "The merchant provided a 21.5% discount (not 15%) on your purchase which is reflected on your receipt." I am again resubmitting my receipt. It very plainly states that the discount on the order is 15% (page3/5). If for some reason they believe the receipt says something else, I would appreciate their explanation. The original price of the fridge was $2609.00. Ater the 15 % discount, the price was $2217.65. The sales tax on this amount was ******. The total was $2400.61. I am requesting that the $183.62 balance due me be refunded.

  Again if for some reason Alliant feels that the special Black Friday pricing for veterans (15% off), as evidenced by the receipt, is something else, I would sincerely appreciate an explanation, based on the evidence submitted. 

  
  Sincerely,
  
  *** ******

  

  Business Response

  Date: 05/01/2025

  Our response is attached. Thank you. 

  Customer Answer

  Date: 05/02/2025

   
  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. I just wish some one in the last several months could have responded with a response that adequately explained the details of the transaction!
  
  Sincerely,
  
  *** ******

• Initial Complaint

  Date:04/12/2025

  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.

  On April 9th *** submitted a fraud claim after my money was stolen from my account . The money was suppose to go towards my rent. Im already on a payment plan to stop me from being evicted and if payments are not made on time my housing manager can apply to keep me removed from my residence due to defaulting on agreement. I spoke to a representative about my situation who informed me they cant provide any credit because their system is controlled by bots who will automatically release the credit in 10 business days. After speaking to a supervisor they informed me there is no way to override the system. I feel as though this is ridiculous. Im left with nothing until 2 weeks . **************** is ridiculous. 

  

  Business Response

  Date: 04/21/2025

  RE:BBB Complaint ID ********
  
  Dear ******** *******,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated April 13, 2025.
  
  Alliant has investigated your dispute received on April 9, 2025, and has been denied.  Alliant has determined that no error has occurred.  Please refer to Alliants email sent on April 17, 2025,for additional details. 
  
  In response to your complaint, an Alliant Fraud representative attempted to contact you by phone but was unable to reach you.  If you have new information to share, you may request a reevaluation of your dispute. If you have additional information to share, please contact us by phone and we can connect you to our Fraud Department.
  
  Thank you for your membership and for bringing your concerns to our attention. If you have any questions, send us a secure message via online or mobile banking,or call us at ************ (24/7).
  
  
  Sincerely,
  
  Alliant Credit Union
  

• Initial Complaint

  Date:04/08/2025

  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 closed my account in October of 2024. I paid all but 76 dollars of the balance. I had 76 dollars in cashback which I selected to be applied to my balance. That never happened. The money was lost in limbo. I have called three times to get it resolved. They have now charged me over 100 in late fees and my credit score has dropped over 100 points from this over the last couple of months. We have now found the money that was in limbo, applied it to the account. However they will not fix the late fees or fix the credit report due to their error. I am being told since I closed the account the money had no way to be applied to the account that the cashback was tied to. Nothing but run-around from them. I have paid the balance, wasted a ton of time to clear it up and they can't waive their own late fees from their own mistake.

  

  Business Response

  Date: 04/16/2025

  Our response is attached. Thank you. 

• Initial Complaint

  Date:04/08/2025

  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.

  My Alliant Credit Union Credit Card is a cash back credit card. Monthly I have to request the cash back balance accrued be deposited to my checking account. On March 15th I requested $126 of accrued cash back be deposited to my Alliant account. Normally cash back is credited within 3-4 business days via ACH. - On March 21st I sent a secure message from their web site asking for an update. - On March 26th they responded with "Thank you for reaching out to us regarding your cashback deposit. We apologize for the delay you are experiencing. When you redeem rewards as a deposit to your Alliant account, it should typically post within 5 to 7 business days. However, we are currently experiencing a known issue with rewards redeemed on March 15th and 16th that are being transferred to a share account. Our team is actively working to resolve this issue as quickly as possible. We appreciate your patience and understanding." - On April 1st, I sent another request via their secure web site. - On April 3rd they responded with the same message. - On April 4th, because their second response was identical to their first with no time line for resolution, I sent another request asking specifically when they will have this resolved. - On April 8th they responded with "Thank you for contacting us. I want to extend my sincerest apologies for the inconvenience and frustration you have experienced regarding the delay in posting your cashback rewards. We understand how important this matter is to you, and we deeply regret the extended timeframe you have been facing. Although we were previously advised that the issue would be resolved within 5 business days, we have been informed as of today that our team is still diligently working to correct the problem. Unfortunately, this means that the initial timeframe we provided has been extended to 5-10 business days. We understand that it has now been three weeks since your initial request, and we acknowledge the significant.....

  

  Business Response

  Date: 04/17/2025

  April 17, 2025
  
  
  
  RE: BBB Complaint ID ********
  
  
  Dear **** *******,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated 4/9/2025.
  
  We recently identified a processing issue that caused cash back redemptions to be delayed. Your cash back rewards were credited on 4/11/25.
  
  We apologize for any inconvenience this caused and appreciate your patience.
  
  If you have any questions, send us a secure message via online/mobile banking, or call us at ************ (24/7).
  
  Sincerely,
  
  Alliant Credit Union

• Initial Complaint

  Date:04/03/2025

  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.

  This account was charged in September 2023, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history, a charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations, violating my rights.

  

  Business Response

  Date: 04/14/2025

  RE:BBB Complaint ID ********
  
  
  Dear ****** *******,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated April 4, 2025.
  
  In review of your charged off account, ********************** has found the account is accurately reporting.
  
  If you still feel there is erroneous information provided to Credit ****************** by Alliant Credit Union, please send a letter/dispute including all of the following information:
  
  -Your full name and address
  
  -Member number, full account number being disputed or Inquiry Date
  
  -The specific information that is in dispute and an explanation of the basis for the dispute; and all supporting documentation or other information to substantiate the basis of the dispute, such as dates being disputed, credit report showing what is being disputed, proof of payments or account statements, copy of a state issued identification, a police report, court order, etc.
  
  
  Please mail all documentation requested above to:
  
  Alliant Credit Union Loan Servicing Department
  *********************************************>****************
  
  Alliant is governed by Federal and State Laws, one of which is the Fair and Accurate Credit
  Transactions (FACT)Act, where we are obligated to report accurate information to the consumer reporting agencies.  In order to ensure that we abide by these laws, we are monitored and audited for compliance.
  
  Thank you for bringing your concerns to our attention.  We hope that you find this information helpful. If you have any questions, call us at ************. 
  
  
  Sincerely,
  Alliant Credit Union

• Initial Complaint

  Date:04/02/2025

  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.

  In 2024 I attempted to open 2 savings accounts for my minor children. There was an issue with funding those accounts. They were both closed by Alliant CU. I kept receiving emails about monthly statements on these supposedly closed accounts. I kept calling Alliant and their response was reassurances that these accounts were indeed closed. In April 2025, I received another monthly statement email. I tried calling to resolve this as I am tired of this. I am concerned about damage to my childrens credit history. I called 4/2/25 to speak with someone. They were not able to verify me and give me more information. I am clueless as to the status of these accounts. Information is nebulous and no one can help. Their response is always to call back again and try to get verified. I am very frustrated. After this experience, I want nothing to do with this credit union and would caution others before they try to invest money with them. I want all accounts associated with this business closed (there is no money in these accounts so it shouldnt be hard). Please help.

  

  Business Response

  Date: 04/03/2025

  Our response is attached. Thank you. 

  Customer Answer

  Date: 04/07/2025

   
  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:04/01/2025

  Type:Customer Service 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.

  03/15: Redeemed $212 in Alliant credit card cashback rewards to be deposited into my checking account. This normally takes 3 working days but after 5 days I had received nothing.03/24: Phoned Alliant, was told it had been sent to escalations department and would get a call within 24 hours.03/25: No phone call was received so I phoned them back. Was told I would get an email or phone call in 5 working days. I never received that email or phone call.04/01: Phoned up again. Agent had no update and gave no indication of when it would be resolved. I asked to speak with their manager and got the same response. I was told escalation team was looking at ***** not very happy with the service received and Alliant have broken the terms and conditions of the credit card rewards program by not honoring my redemption. I would like you to investigate this and bring it to a resolution.

  

  Business Response

  Date: 04/17/2025

  Hello. Please find Alliant's response to your complaint attached. Thank you.

  Customer Answer

  Date: 04/17/2025

   
  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:04/01/2025

  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 Sunday, March 16 of 2025 I accessed my Alliant Cash ********* Signature Account Ending in 1109 to redeem my cash back awards for the amount of $60.00. I requested this redemption to be applied to my Checking Account with ********************** however, I have yet received the cash back awards as promised and it's now been over 2+ weeks since this redemption request has taken place. Per their ****************** on the credit card agreement, they state that it may take up to 5 business days for cash award redemption to be applied via the Alliant Checking Account method. This tells me that they have exceeded their ************ Level Agreement) Requirement based off of their ****************** by at least 7+ Lapsed Days. I have contacted Alliant Credit Union twice about this matter (1st Call on Monday, March 24th & 2nd Call on Tuesday, April 1st) but both agents advised me that there is nothing that they could do to help resolve this issue and that no manager can escalate this mater because it's considered a Third-Party Vendor Program IT Issue so it's out of their control. This leads me to believe this might be a regulation UDAAP Issue (Unfair, Deceptive, or Abusive Acts or Practices) coming from Alliant Credit Union since they refuse to even make any type of attempt to adjust my account or yet alone escalate this matter to senior leadership for resolution. This complaint to the BBB is my last resort to get this matter resolve since no one within the Alliant Credit Union can assist with this.

  

  Business Response

  Date: 04/17/2025

  RE: BBB Complaint ID ********
  
  
  Dear ***** *******,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated 4/2/2025.
  
  We recently identified a processing issue that caused cash back redemptions to be delayed. Your cash back rewards were credited on 4/11/25.
  
  We apologize for any inconvenience this caused and appreciate your patience.
  
  If you have any questions, send us a secure message via online/mobile banking, or call us at ************ (24/7).
  
  Sincerely,
  
  Alliant Credit Union

  Customer Answer

  Date: 04/17/2025

   
  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:03/31/2025

  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 banking with them for years and have been using my current debit card with them for months, if not years now. They suddenly cancelled the card, effectively losing me access to the money in my accounts. I sent them a message and they took roughly a week to say "your card isn't activated" which is clearly a lie since I've been using the card for months, and to just order a new one. I have no access to my money and that will take weeks, with the expedited option for "3-4 days" and charges $22 for it. This feels like not only a scam but straight up shameful. This should not have happened to begin with, now they want to charge me to fix what is clearly their mistake

  

  Business Response

  Date: 04/07/2025

  RE:BBB Complaint ID ********
  
  
  Dear ***** **********,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated April 1, 2025.
  
  In review of your account, you had previously ordered a modified debit card (with the same card number) to replace an existing debit card ending in 8344, via Online Banking in November 2024.  The modified debit card that you ordered was not activated after an extended period of time. As a result, all debit card numbers ending in 8344 were turned off on March 19, 2025.  On March 31, 2025, you ordered a new debit card (with a new card number) via Online Banking and requested it be sent via regular mail.
  
  In response to this complaint, Alliant contacted you on April 2, 2025 to verify which debit card(s) ending in 8344 were in your possession to see if the debit card could be reinstated.  You indicated you did not have the modified debit card (referenced above) in your possession so the debit card could not be reinstated.  To find resolution in this matter, Alliant cancelled the debit card ordered on March 31, 2025 and have expressed a new debit card to you via *************** ****** Tracking: ************) at no fee.
  
  Thank you for your membership and for bringing your concerns to our attention. If you have any questions, send us a secure message via online or mobile banking, or call us at ************ (24/7).
  
  
  

  Sincerely,
  Alliant Credit Union

  Customer Answer

  Date: 04/07/2025

   
  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,
  
  ***** **********