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Complaint Details
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Initial Complaint
06/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This account belongs to ex spouse. I am not responsible for this debt with ALLIANT CREDIT UNION They did not provide me with the original contract as requested.
Business response
07/03/2024
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 July 1, 2024.
Our records show a loan account was opened with ************************* as the primary owner and you as the joint owner. In our research, we confirmed that both of you signed and agreed to the Retail Installment Contract. Alliant has no record of receiving a request for a copy of your Retail Installment Contract. You may contact Alliant by phone to request a copy and we will be happy to provide it to you.
Alliant previously investigated and responded to the credit bureau disputes you reported in 2024. The Fair Credit Reporting Act requires data furnishers, like Alliant, to report complete and accurate information to the national consumer reporting agencies. We are unable to remove the loan account from your ********************** report, as the account is being accurately reported.
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 UnionInitial Complaint
06/26/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Alliant FCU defamed me. They have reported me to Checksystems for "account abuse" without cause. This is defamatory and untrue. Further they have reported an unpaid balance of $20 which is also wrong. I am prepared to contact the **** CFPB, **** and state AG office. I will also reach out to an attorney if this is not fixed with in 7 business days.Business response
07/02/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.Initial Complaint
06/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress.ALLIANT CREDIT UNIONDate:5/28/2024 Acct#****************Business response
06/25/2024
Our response is attached. Thank you.Initial Complaint
06/22/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
This company took an illegal deposit from someone committing identy theft and their fraud department per direct words said they don't deal with that kind of fraud...despite me being verified.Business response
06/27/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.Customer response
06/28/2024
Complaint: 21886134
I am rejecting this response becausenope you obviously dont do any f****** due dilligence and now because of you rotten money hungry a******* i have to spend thousands to get a new ssn etc. You need to cover all costs for my new ssn or a 1 time payment of $27000 to adequately address the money I'll have to pay attorneys and such because you let this illegal a****** open an account with ZERO VERIFICATION.
Sincerely,
*********************Initial Complaint
06/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Fraudulent $1,000 ************ ******* allows criminals to use random accounts without any confirmation of identity.Business response
06/20/2024
Please see our attached response. Thank you.Initial Complaint
06/14/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Someone stole/used my PII to open an Alliant Credit Union checking and savings account (account number ********* on May 21, 2024. I happened to be traveling for business at the time and did not see the mail with the welcome account notification from Alliant, as well as the mail that included the pin number, and the debit card mail that I received. Upon returning home on June 8th, I immediately called Alliant customer service and asked to be connected with their fraud department so I could file a report, I was told that was not possible and that the customer service agent would relay my information to the fraud department. I called back the following Monday, June 9th and asked again if I could speak to someone from the fraud department and was told that someone from the fraud department would call me within two or three days. And as of today, I have not heard back from anyone from Alliant's fraud unit. Both customer service agents I originally spoke with did confirm that the checking and savings accounts were closed on 5/28/24, which was confirmed by the statement of account that I received in the mail. However, $635.40 was deposited into the checking account on 5/23/24 and withdrawn on 5/28/24 and the account was then closed on the same day as the withdrawal. To reiterate, I did not open this account, nor did I deposit or withdraw funds from this account. And to my knowledge, Alliant Credit Union has not investigated or reported back to me their findings.Business response
06/18/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.Initial Complaint
06/13/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Im so frustrated!!! I use to have a checking account , savings ******* loan with alliant. I ended up closing the accounts but they were in good standing! Ive tried to return back to alliant and every time I try to apply online it gives me an error After I enter my info no matter what device or browser I use! Im not sure if Im flagged in the system or something but this is ridiculous!Business response
06/18/2024
Dear *************************,
Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated June 14, 2024.
You are ineligible for membership at this time based on a previous denied application.
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 UnionCustomer response
06/18/2024
Complaint: 21848931
I am rejecting this response because:okay but denied why ? Whats the reason? I havent even been able to submit an application so how was it denied.
Sincerely,
*************************Business response
06/25/2024
RE:BBB Rebuttal Complaint ID ********
Dear *************************,
Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint rebuttal dated June 18, 2024.
Alliant received a membership application in 2022, which was denied after your identity could not be verified. As mentioned, you are ineligible for membership at this time based on your previous denied application.
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 UnionCustomer response
06/25/2024
Complaint: 21848931
I am rejecting this response because:that makes no sense! I had an account with you guys in standing in 2020-2021. Youre telling me I cant submit an application because I was denied two years ago?! That makes absolutely no sense. Things could have changed these last two years. Thats the dumbest thing Ive heard a bank say.
Sincerely,
*************************Initial Complaint
06/13/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I have a HELOC with Alliant Credit Union. I have maintained continuous insurance coverage on my home as required yet out of nowhere, I received a letter from Alliant stating that they were going to purchase insurance on my property at my expense. I responded informing them that I had insurance. I told them the name of the insurer, the policy number and told them not to purchase insurance on my behalf. Despite my written instruction, they went ahead and took money from my account and purchased an additional insurance policy. I sent them another message reitterating that I carry all the required insurance and that they need to cancel the policy and refund the money. They have not responded. When I have tried to send follow up messages, their website returns an error message saying that the message cannot be sent. I reached out to my insurance company giving consent for them to share policy details with Alliant. I am attaching my insurance policy jacket so that the BBB can show Alliant Credit Union proof of my insurance, but Alliant does not seem interested in that. It appears to me they created a pretense to take money from my account then charge interest on the money they take so they can maximize their profits.Business response
06/28/2024
Please see our attached response with attachment. Thank youInitial Complaint
06/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On November 14, 2023, my father was involved in a not at fault auto accident. Allstate insurance company handled the insurance claim. Allstate made the decision to total out the vehicle. The total amount left on the loan was $20,317.53 which was carried by Alliant Credit union. Wise F&I was the carrier of the gap insurance. Allstate determined that the vehicle was worth $17,699.00. After a few deduction, Allstate gave paid out $16,975.97 to Alliant Credit union which left a balance of $3,341.56, but the credit union is claim an outstanding balance over $4,000.00. Paperwork was filed with Wise F&I ************* on several different dates (February 28, 2024, March 6, 2024 & March 28, 2024). Alliant Credit refuse to deal with gap insurance to resolve the claim. Alliant Credit union has reported to the credit bureau which caused my fathers (************************* III) credit score to drop.Business response
06/20/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.Initial Complaint
06/09/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not responsible for this debt with Alliant Credit Union. They failed to provide me with the original contract despite my request.Business response
06/11/2024
Please see our attached response. Thank you.Customer response
06/11/2024
Complaint: 21823133
I am rejecting this response because: I have not received original contract bearing my signature and creditor has not Supported proof within 30 days which is also violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and you may be liable defamation of character . I asked for evidence of your authorization under 15 USC 1692(e) and 15 USC
1692(f) in this alleged matter.
Sincerely,
*******************************Business response
06/14/2024
Our response and document are attached. Thank you.
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Get a QuoteCustomer Complaints Summary
193 total complaints in the last 3 years.
78 complaints closed in the last 12 months.