ComplaintsforAlliant Credit Union

Credit Union

View Business profile

Need to file a complaint?

BBB is here to help. We'll guide you through the process.

File a Complaint

Initial Complaint
06/18/2024
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.
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
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.
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 However, $635.40 was deposited into the checking account on 5/23/24 and withdrawn on 5/28/24 and the account was then closed on the same day as the withdrawal.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
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.
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 Union
Customer 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 Union
Customer 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
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 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 you
Initial Complaint
06/12/2024
Complaint Type:
Service or Repair 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, 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
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 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.
Initial Complaint
06/07/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
My loan payment due June 1st was for the amount of $129.17. Alliant CU debited the amount of $1,000.00. I called the Credit Union June 3 and asked for my $870.00 to be credited to my account at the institution where the funds were taken. I called three different times; June 3, June 5, June 7 and each time was a different representative. I was informed the funds were applied to the principal balance on the loan, which I did not authorize. My third time with one of the representatives pretty much solidified the fact, they had no intention of returning the funds, which they actually stole. I was given one crazy explanation after another and after close to ninety minutes on the phone (during my third attempt) waiting for a resolution, I gave up. Highly unethical business practice.
Business response
06/14/2024
Dear *************. *****,

Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated June 8, 2024.

Our records show that you previously submitted an ACH Authorization form on October 5, 2022, authorizing monthly payments in the amount of $1,000.00 from your other institution account to pay your Home Equity Line of Credit (HELOC), which started on November 1, 2022. After making a HELOC advance on April 30, 2024, your $1,000.00 automatic payments resumed according to your monthly due date.

Alliant is unable to send the difference of $870.83 to your other institution account;however, to find resolution in this matter, Alliant has credited the $870.83 to your Alliant savings account on June 10, 2024.

Our records show that you submitted a new ACH Authorization form on June 7,2024 authorizing monthly HELOC payments for $253.18. The monthly payments for $253.18 will begin on July 1, 2024.

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
06/14/2024

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
06/05/2024
Complaint Type:
Service or Repair 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 have an unauthorized inquiry showing on my credit report dated 03/05/24. I demand be removed
Business response
06/06/2024
Our response is attached. Thank you.
Initial Complaint
05/30/2024
Complaint Type:
Service or Repair 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.
Cant get on website to payment of auto loan, always a problem and hassle, I want a payoff to get rid of Alliant
Business response
06/05/2024
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 May 30, 2024. As a desired resolution, you are requesting contact by the business.

Our records show Online Banking access was locked due to having too many failed login attempts. Our records show that you spoke to Alliant on May 29, 2024 while Online Banking access was locked out. In this call,Alliant recommended resetting Online Banking access and requested to have the primary account owner call us for assistance. Alliant has previously explained that you are the joint owner on the account and are not authorized to reset Online Banking access. To assist with resetting Online Banking access, Alliant must speak with the primary owner.

Our records show loan payments have been consistently received through a bill pay service used by another financial institution. As the joint owner, you may request to make a check payment by phone and/or request a payoff at any time. A loan payoff was provided to you on June 4,2024.

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 response
06/05/2024

Complaint: 21780135

I am rejecting this response because:its a runaround,and not a instant response, through out the loan , the online loan banking system is always down and putting the blame on customers, then locking them out, updating their system to a verify code system and how is automatic the loan payments are made!

Sincerely,

***********************
Initial Complaint
05/29/2024
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.
I am an average person. Kindly refrain from dismissing this complaint by asserting that it is irrelevant to me. I have included several documents for your review. I have identified an inaccuracy in the documentation of a delayed payment in accordance with the Fair Credit Reporting Act (FCRA). I hereby seek an inquiry as outlined in 15 U.S. Code 1666b and 15 U.S. Code 1681i(a)(2)(i) to promptly address this issue. The resolution should entail rectifying or eliminating the late payment entry from my records.
Business response
06/06/2024
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 May 30, 2024. As a desired resolution, you are requesting a correction to your credit report.

Please understand the statement included from your Frontier account (dated August 2023) has no relation to any of your Alliant accounts.

Our records show that a late payment was reported to the credit bureau on your Alliant credit card in September 2022. The credit card statement issued on July 14, 2022; shows you had a minimum payment of $168.00 due on August 8, 2022. Alliant only received a payment of $84.00 on August 8, 2022.

The credit card statement issued on August 14, 2022, shows you had a minimum payment of $167.00 due on September 8, 2022, which included the past due balance unpaid from your August 8, 2022 due date. No payment was received on or by your September 8, 2022 due date causing your credit card account to become 30+ days delinquent and was reported to the credit bureau accordingly. Alliants ********************** spoke with you on September 20, 2022 and you were aware your credit card account was delinquent. Alliant received a payment of $167.00 on September 21, 2022.

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 late payment from your credit report, as the credit card account is being accurately reported.

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

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. ↩

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

Cookies on BBB.org

Need to file a complaint?

Complaint Details

Showing all complaints

Business response

Business response

Business response

Customer response

Business response

Customer response

Business response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

Business response

Customer response

Business response

BBB Rating & Accreditation

Contact Information

Customer Complaints Summary