ComplaintsforAlliant Credit Union

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Initial Complaint
07/30/2024
Complaint Type:
Order Issues
Status:
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.
I do not have a contract with Allianz Credit Union. They did not provide me with the original contract as requested.
Business response
08/02/2024
August 2, 2024

RE:BBB Complaint # ********

Dear *********************,

Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated 7/30/24.

Alliant has no record of an account with the information provided in your complaint.

Sincerely,
Alliant Credit Union
Customer response
08/02/2024

Complaint: 22067409

I am rejecting this response because: I demand that you remove this account from my ********************** report as it has negatively impacted my life. The balance shows an amount of $5,116 on my credit file. I have no contract with Alliant. Thank you.

Sincerely,

*********************
Business response
08/04/2024
Please see our attached response. Thank you.
Initial Complaint
07/20/2024
Complaint Type:
Billing Issues
Status:
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.
Subject: Identity Theft Complaint - Unauthorized Account with ********************** CU Dear BBB,I am writing to formally file a complaint against Alliant Credit Union (Alliant CU) regarding an unauthorized account that was fraudulently opened in my name. The details of the account are as follows:Account Number: ****************Opened On: 03/26/2018 I am a victim of identity theft and did not authorize the opening of this account. I have filed complaints with the ************************* CFPB, and IdentityTheft.gov. Copies of these complaints are enclosed for your reference.This fraudulent account has significantly impacted my credit score and caused undue stress. I kindly request Alliant CU to investigate this matter and remove the unauthorized account from my ********************** report immediately.Thank you for your prompt attention to this serious issue.
Business response
07/24/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.
Initial Complaint
07/13/2024
Complaint Type:
Billing Issues
Status:
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.
I disputed a charge on my card to fraud and they decided to reverse the credit with no explanation. I contacted this merchant several times to see what the issue was and no response until today the rep stated they sent me information about and they did not. Also the beginning of this year I had a decent credit card balance. I no longer have due to Alliant stating their were no funds in the account when in face their was they send nsf paper to my home with an ending balance of funds but were rejecting my credit card payments which makes no sense I called for this issue as well and they just stated well sorry about that must just have been bad timing so due to my card being closed my credit dropped 89 points so thanks for that!
Business response
07/19/2024
Dear *****************************,

Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated July 14, 2024.

Our records show that you reported a non-fraud dispute claim on April 28, 2024 for a $200.00 transaction that took place with StrechZone. On April 29, 2024, the provisional credit was applied to your Alliant checking account while your dispute was being investigated. During the investigation, Alliant requested additional information and supporting documentation from you to support your dispute claim but was not provided. As a result, Alliant reversed the provisional credit on your checking account and closed your dispute claim on May 24,2024. Notice was sent to you by mail.

Our records show that you last inquired about the denied dispute claim on July 13, 2024 and were provided with the email address to send your supporting documentation to reopen the dispute claim. As of the date of this response, Alliant has not received any supporting documentation from you. To reopen your dispute claim, please send your supporting documentation to ***************************************.

In review of your account, we found non-sufficient funds (NSF) activity took place on your Alliant Checking Account on May 14, 2024 and May 17, 2024 that was caused by withdrawal attempts made by *********** for $143.99. Our records show you had other pending transactions on your account on May 14, 2024 and May 17, 2024, which made funds unavailable. Alliant made no error with returning each of the *********** transactions, as funds were not available in your Alliant Checking account when these payments were presented.

On May 14, 2024, the following transactions were pending causing your available balance to be $131.42

5/13/24 $50.51 IHOP
5/13/24 $106.61 AMAZON.COM
5/13/24 $39.40 DOMINOS

On May 17, 2024, the following transaction was pending causing your available balance to be $72.76.

5/15/24 $101.24 AMZN MKTP US

Alliant is unable to assist with anything that might result from the closure of an account at another financial institution. While there is no option for Alliant to provide a replacement credit card in this matter, you may choose to apply for an Alliant credit card at any time.

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 response
07/22/2024

Complaint: 21984910

I am rejecting this response because: did you or did you not send an NSF paper to my home with ending balance well over the amount needed To process said pending payments that were processed when I called and spoke to an account specialist I got told well its unfortunate but it just looks like bad timing so I paid the price of your BAD TIMING. When I get home I will send those same papers that was sent to my home so how is it not your fault ? Make it make some kind of sense !! And that $200 charge I submitted that screenshot 3 times do you need that screenshots to with dates and times attached ? I have not one problem sending those as well . I honestly am just trying to figure out how this is any kind of fair not only is my credit card closed due to your negligence to my account or excuse me your bad timing. But Im out of $200 as well since you didnt get any information I know that was sent l.

Sincerely,

*****************************
Business response
07/24/2024
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 dated July 22, 2024.

Alliant mailed non-sufficient funds (***) notices on May 14, 2024 and May 17, 2024 after the *********** ACH transactions (each for $143.99) were returned unpaid. As mentioned, Alliant accurately returned these *********** transactions unpaid, as the funds were not available on May 14, 2024 and May 17, 2024 due to having other pending transactions on your checking account. We apologize for any confusion you have experienced with the *** communications you received. Your feedback has been shared with the appropriate management.

As of the date of this response, Alliant has not received any supporting documentation to reopen your closed non-fraud dispute with StretchZone. Alliant has previously requested the following from you:

-A detailed description of the service or merchandise.
-The date when you were expecting to receive the service/merchandise, prior to cancel it.
-The date when you cancelled the service or merchandise.
-If Merchant refused to provide authorization to return the Merchandise, please provide information regarding disposition of the merchandise (location of the purchased merchandise at the moment of the dispute).

As previously mentioned, please send your supporting documentation to grp-*********************************** to reopen your non-fraud dispute.

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
07/07/2024
Complaint Type:
Customer Service Issues
Status:
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.
****. CSR REPRESENTATIVE was called regarding my account with ********************** CU. I only asked to unlock my account. A call that was ONLY supposed to last 6 minutes turned into 16 because ****, seemed to be distracted by another co-worker during the call. My checking account is important to me and my family depends on it. It's also private, & what I discuss regarding my account should be heard clearly by the ALLIANT CU CSR. I am writing the BBB to argue my dissatisfaction with the call today. If this person could be replaced at ALLIANT CU, it would be a huge service for future customers. Please review the conversation and determine that **** was clearly interacting with others while otp during my call to the bank. I am upset about this and ask for an internal investigation by the BBB.Thank You for your time.TLM
Business response
07/11/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.
Initial Complaint
07/05/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I got approved a loan with Alliant for a Tesla. They failed to send the fund in time for my delivery day whoch causes one week delay for me. I decided just pay cash for the Tesla because even though Alliant said they already wired the money but ***** still have received the fund yet. Finally 1 week after i took delivery ***** received the fund from Alliant. I contacted Alliant so they can get in contact with ***** to get the refund for the loan but Alliant refused to do anything about and said i have to get with ***** for the refund money. I didnt sent ***** the money how can i contact them for the refund??? But i finally get with ***** and they said they already sent the refund check and Alliant should get it after one week. 2 weeks later i called Alliant and they said they dont know anything about the refund check. I thi k Alliant just want to dragging the process longer so they can charge me the interest on the loan which i didnt even used. Never again i will deal with Alliant and i will definitely will not recommend Alliant Credit Union to anyone i know. Alliant credit union, you sucks!
Business response
07/16/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.
Customer response
07/16/2024

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
06/29/2024
Complaint Type:
Billing Issues
Status:
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.
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 Union
Initial Complaint
06/26/2024
Complaint Type:
Customer Service Issues
Status:
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.
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
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.
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
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.
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 because

nope 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
06/20/2024
Complaint Type:
Billing Issues
Status:
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.
On November 14, 2023, I (************************** III) 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 a pay out $16,975.97 to Alliant Credit union which left a balance of $3,341.56, but the credit union is claiming 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 of non payment, which caused my credit score to drop.
Business response
07/03/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.
Customer response
07/09/2024

Complaint: 21878755

I am rejecting this response because:
The ************* paperwork has Alliant listed as the lean holder so your company is aware of the ************* agreement, plus the ************* was pad through the auto loan (Alliant). As listed in the complaint, on three separate occasions the Gap requested paperwork was sent to Wise F&I. The deadline clam/excuse is false. Also when Wise F&I attempted a three way call with Alliant, Wise F&I and myself. Alliant refused to be on the call. You are a predatory company that is refusing to make good on its agreement.

Sincerely,

***********************
Business response
07/10/2024
Hello. Please find Alliant's response to your complaint attached. Thank you.

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