June 17, [redacted] Revdex.coms Case # [redacted] Dear Mr [redacted] This is in response to your subsequent correspondence In the complaint, you state that the details of Alliant's loan assistance programs should have been disclosed at the time you obtained the loan Per regulation and compliance, we are required to provide a Loan Agreement which discloses the loan terms and maturity date Alliant's loan assistance program is not part of your loan contract, as we are not obligated to offer these programs or grant a member with a payment extension whenever it is requested In order to offer loan assistance programs, we were required to put specific criteria into place and consider NCUA guidelines, Federal regulations, and best practices when setting up our loan assistance programs We are expected to adhere to the established criteria that have been put in place and are unable to make exceptionsUnfortunately, Alliant will not be able to grant the Skip a Payment Program to you since your loan has been opened for less than months We apologize for any disappointment and frustration this has caused As stated in our previous message, you may consider applying for our Loan Payment Reduction Plan after the loan has been open for one year If you would like to apply for a Loan Payment Reduction after your first six months, please contact our Collections Department at [redacted] for further assistance Should you have any additional questions or concerns, feel free to contact me directly at the number listed below [redacted] Tell us why here
March 1, 2017Revdex.com of Chicago & Northern Illinois, Inc[redacted] ***Chicago, IL RE: Revdex.com Case [redacted] Dear Revdex.com:Thank you for your correspondence from one of our members, Mr [redacted] ***Alliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriously.In the compliant Mr [redacted] states that over the course of his refinance experience with Alliant, there were credit union errors and delays which resulted in rate lock extension chargesAs a desired resolution, he requests a $refund in rate lock fees.Notes under the account show that there were delays during the refinance process caused by third parties which were beyond Alliant’s controlAdditionally, Mr [redacted] misrepresented the property as a single family residence which resulted in appraisal delays and additional fee collectionAlso, he did not disclose his correct primary addressFurther, there were complications meeting requirements to subordinate a Home Equity Line of Credit Loan with [redacted] .Our records also show that when the property was appraised, a finding was made that there were security bars on windows and doorsThe Federal National Mortgage Association, agency that all investment property loans Alliant sells to when funded, required that all windows and doors have safety release latchesNot having them is a safety and hazard issue and affects the safety, soundness, or structural Integrity of the Subject PropertyThis also added time to the application processing time as work had to be completed and inspected before a clear to close was givenAgain this was beyond our control.As a member courtesy, Alliant provided a 0.25% rate loan extension discount to Mr [redacted] two times to lock in a year fixed rate of 4.5000% which was the rate in effect at the time he submitted his application on 9/7/It is not uncommon for members to opt to pay for a rate lock extension to hold the lower rate versus paying a higher rate if the rate changedAfter reviewing the file, we show that some of the delays were caused by third party issues, not receiving accurate information regarding the property type and borrower primary residence address initiallyAdditionally there were delays caused by [redacted] ’s second mortgage and their subordination requirementsFurther, there were concerns about property which required items to be completed and have the appraiser go back to confirm they were completedThe following day after receiving updated appraisal confirming repairs were complete, we issued Final ApprovalAlliant absorbed some of the loan extension costs on this loan as a member courtesyThe actual cost was 1.125% of the $351,loan amountAlliant credited 0.625% ($2193.75) to Mr [redacted] and only charged him 0.500% ($1755.00)Most mortgage loans are complex and detailed in nature and this loan required some additional steps in order to obtain final approvalWe realize this was a lengthy process and delays took place due to third parties; however, Alliant followed protocol and procedure and worked as quickly as possible to process Mr***’s loan refinanceWe have already provided Mr [redacted] with the two courtesy rate lock extension discounts and do not believe we owe him anything furtherSincerely,Member Engagement & ServiceAlliant Credit Union
September 28, [redacted] Revdex.coms Case # [redacted] *Dear Mr [redacted] *Thank you for your correspondence to the Revdex.com In your complaint, you state that you sent forms to Alliant on August 15, requesting to withdraw funds from your IRA and Savings Accounts You state that you were unable to log into Online Banking on or around August 17, You contacted Alliant by phone on August 26, after not receiving your check in the mail and were asked to wait two more days After not receiving the check you contacted Alliant again on August 30, and were asked again to wait two more days You state that when you contacted Alliant on September 1, you were informed that a stop payment would be placed on the first check and a new check would be sent to you As of September 18, you had not received the check in the mail and no explanation why the account was closed.After researching this matter we confirmed that Alliant received your IRA Withdrawal Form on August 17, On this form you requested to withdraw the full balance of your Traditional IRA and to have 25% withheld for Federal Income Tax Also, on this form you requested to close your IRAA check was issued from your Traditional IRA in the amount of $36,and $12,was sent to the IRS for your Federal Withholding In addition, you requested to withdraw the balance of $from your Savings Account and close your membership with Alliant Both checks were mailed to your address on record on August 17, Online Banking is no longer available after membership is closed.Alliant suggests that members allow up to ten business days for mail delivery We have no control over how quickly an item is received in the mail To avoid any further delay, we try to make sure a member has provided ample time for a check to be received before placing a stop payment and issuing a new check I am sorry to hear that you did not receive the checks that were mailed on August 17, On September 1, you contacted Alliant to inform us that you still did not receive the check(s) You requested a stop payment and to have a new check(s) sent After reviewing the call on September 1, 2016, we found that the representative that assisted with your stop payment request overlooked the check withdrawal from your IRA A s payment was only placed on the check for $issued from your Savings Account in error We understand there may have been some assumption that only one check was mailed to you in August It was found that our representative did not specify any dollar amount(s) of the check(s) issued and did not clarify that two checks were issued In addition, when the stop payment was processed on the savings withdrawal check, a new check for $was not issued due to human error On behalf of Alliant, I apologize for the errors that took place with your stop payment request This matter has been forwarded to the appropriate management as a training opportunity to prevent these types of situations in the futureWe have placed a stop payment on the original IRA check withdrawal for $36, Due to the errors made by Alliant, we have added the dividends that would have been earned from August 17, to September 23, on this amount The total dividends added to your balance were $ We have issued a new check for the entire balance of your IRA and Savings Account in the amount of $36,on September 22, We have sent this new check to you via Federal Express and our records show that this package has been delivered to your address on September 23, On behalf of Alliant, I apologize for any frustration you experienced with receiving these funds Should you have any additional questions or concerns regarding this matter, please feel free to contact me directly at the number listed below Sincerely, [redacted] Online Member Service Consultant Member Engagement & Service [redacted] Tell us why here
Initial Business Response / [redacted] (1000, 5, 2015/04/22) */ April 22, [redacted] North [redacted] St [redacted] FL XXXXX Better Business Case # XXXXXXXX Dear Mr [redacted] , Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriously In your complaint you indicate that Alliant is reporting two credit inquires which were made on March 7, and October 9, to the credit bureausYou state that you have sent correspondence to Alliant disputing these inquiries and requested that they be removed from your credit fileAs a desired resolution, you request that Alliant delete these two inquiries from your credit report and provide you with a confirmation letter of the removal of these inquiries Our records show that your Alliant Account was opened on December 13, At approximately 9:00pm CT on March 6, an online car loan application was created via Alliant's Online Banking platformDuring the loan application process, we disclose that a hard credit pull is made to qualify the applicant for the loanAs such, you electronically consented to the credit pull at the time the application was submitted There are notes under your account which show that on March 7, at approximately 11:40am, one of our loan consultants spoke with you about your loan applicationThe application was then processed and was deniedA "Statement of Refusal to Grant Loan" (Denial Letter) was sent to the address on file for youWe have no record that you called us after the denial letter was sent to dispute the loan denial or the credit bureau inquiry Our records also show that on October 9, 2014, another car loan application was submitted onlineNotes under your account show that one of our loan consultants spoke with you regarding your application on this same day and discussed your credit issues and stipulations we would need in order to approve the loanOur records show that the loan was denied and the loan consultant advised you of this via telephoneOur records also reflect that on October 9, 2014, we sent an H-Form for credit score disclosure to the address we have on file for youWe have no record of you contacting us to dispute this loan application or the credit bureau inquiry We are obligated to report true and accurate information to the credit reporting agencies and we are audited for compliance and regulationAs such, we are unable to comply with your request to remove the two credit inquires as they were authorized during the online loan application process Should you have any additional questions or concerns regarding this complaint, feel free to contact me directly at the number listed below Sincerely, [redacted] Manager - Member Engagement & Service Alliant Credit Union X-XXX-XXX-XXXX ext***
October 20, [redacted] Spring Hill, FL 34608-Revdex.com Case # [redacted] – Alliant Credit Union Dear Ms [redacted] , Thank you for your correspondence to the Revdex.com In the complaint you state that someone opened a Checking Account with Alliant Credit Union (Alliant) in your name using your social security number You state that you found out about the account after receiving information regarding the new account at your address As a result of the Checking Account being opened, you state that your credit score has gone down two points and while you don’t know if this account has been closed, you find it unacceptable that Alliant did not ask for an ID or a signature to open the account As a desired resolution, you would like to know that this matter has been handled and are requesting Alliant reimburse you for the cost of [redacted] *** We are sorry to hear that an account was opened under your name without your knowledge or consent We can certainly understand the concern and frustration that this situation has causedThe account opened in your name was closed on October 12, Like many other digital financial institutions, Alliant has tools in place that verify the applicant informationAn ID or signature is not always required when an applicant can be automatically authenticated When processing an application for a new account, Alliant will only complete a soft pull on the individual’s credit report According to [redacted] , a soft pull will not impact an individual’s credit score Only a hard credit pull will impact an individual’s credit score While there are many factors to be considered when a credit score changes, the opening of the Alliant account would not have impacted your credit score If you would still like the soft pull to be removed, we will need to receive a completed ID Theft Affidavit Our records show that we emailed the ID Theft Affidavit to you on October 11, We have not received your completed affidavit as of the date of this responsePlease let us know if you did not receive the affidavit or if you need us to re-send it to youPlease understand that Alliant is not the source from which your personal information was compromised Alliant has no way of knowing where or when your information was compromised prior to the account application being submitted Since Alliant was not responsible for your personal information being compromised, we are unable to reimburse you for the cost of [redacted] *** We can recommend taking the steps below to protect your information going forward Review a recent credit report for any anomalies such as unknown accounts or file inquiries You may access a free credit report once a year at www.annualcreditreport.comPlace a fraud alert While accessing your free credit report, you can utilize the fraud alert option This will place an alert as well as an individual message on your credit report for future inquiries Review a recent [redacted] report for any unknown file inquiries Further information can be found at https://www.consumerdebit.com/consumerinfo/us/en/index.htmContact all your current financial institutionsContact banks, credit unions, credit card companies, etcalerting them that your information has been compromisedScan your computer for viruses and other malware with using anti-virus software or contact a computer specialistFind additional information at [redacted] Trade Commission http://www.ftc.gov/bcp/edu/microsites/idtheft/On behalf of Alliant, I apologize for any frustration or inconvenience this has caused Should you have any additional questions or concerns regarding this matter, please feel free to contact our Fraud Department by calling [redacted] Sincerely, [redacted] Online Member Service Analyst Member Engagement & Service
Tell us wh Revdex.com of Chicago & Northern Illinois, Inc[redacted] *** January 23, RE: Revdex.com Case# [redacted] Dear Mr [redacted] Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriouslyIn your complaint you state that there is a credit inquiry made by Alliant on your credit report that you did not authorizeYou also state that one of our representatives informed you that the inquiry would be removedAs a desired resolution, you request that the inquiry be removed from your credit report.After receiving your complaint, we have reviewed your account and the phone calls which were made to and from you at the telephone number we have on record for youAll of our calls are recorded for quality and monitoring purposesWe also verified that identification verification was conducted on each phone call with youI apologize for any confusion or misunderstanding which may have taken placeOur investigation confirmed that there is no evidence of Identity Theft occurring on your account and there was no disparity of your identity uncoveredIf you have a police report to share, kindly have the law enforcement representative who is handling your case contact our fraud department directly at [redacted] to discuss your casePlease know that Alliant is monitored and regulated for compliance and consistency and to ensure we treat our members fairlyAs the credit inquiry was validated, we are unable to comply with your request to remove the credit inquiry which was made on 10/14/to the credit bureau when your application was processedShould you have any additional questions or concerns, feel free to contact me directlySincerely, [redacted] Manager - Member Engagement & ServiceAlliant Credit Union [redacted] y here
Revdex.com of Chicago & Northern Illinois, Inc [redacted] Chicago, IL March 22, RE: Revdex.com Case# [redacted] Dear Ms [redacted] , Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriouslyIn your complaint you state that you should have received a 0% interest rate on your [redacted] and 40,points per a promotion you were offered by AlliantYou also state that after multiple calls and emails you were told you could not have the 0% interest rate because we credited you the 40,pointsAs a desired resolution, you request that the interest be refunded for January and FebruaryAfter receiving your complaint, we have reviewed your account and the phone calls which were made to AlliantAll of our calls are recorded for quality and monitoring purposesWe also reviewed the loan officer’s notes and spoke to the Manager of our [redacted] department about your call with herOur records show that we approved a [redacted] card for you in November of The promotion you were offered was VPromotion which stated you can receive 40,points if you spend $4,dollars in three cycles or you can get a rate as low as 0% for the first yearAlliant uses performance-based pricing where members get the best rate they qualify for based on their credit scoreAccording to your credit, you qualified for a 5.99% rate and you opted for the 5.9% interest rate instead of the 40,pointsRecords show you called us on Feb 22, and spoke to a loan officer and a representative in our [redacted] department inquiring about the 40,points which had not been credited to your accountOur notes show that we advised you that you did not receive the points because you opted for the low interest rate instead of the pointsYou indicated that you were not aware you were not getting bothWe advised you that your interest rate would go up to 17.74% if you opted to receive the points instead of the lower promotional rateOur records show that you elected to take the pointsAs such, we credited the points to your account and converted your credit card to the higher interest rate per our agreement with youRecords also show you contacted us on February 27, to inquire why you did not have the lower interest rate and stated you were told when you opened the [redacted] that you would have the lower rateOur notes show that we advised you again that the promotion was for either the 40,points or the low interest rate but not bothAfter your account was credited with the 40,points, your rate should have been changed to 17.740%; however, due to a clerical error, your rate remained at 5.99% When we realized this oversight, we corrected the rate to 17.740% which is the regular rate you qualified forOn March 8, 2017, our records show that you contacted us to ask why the rate was showing 17.74%Your call was escalated to a supervisor and she reviewed the accountWe agreed to honor the 5.99% rate as a courtesy in light of any misunderstanding and she advised you at that time that your rate would remain the 5.99%until November, Your account has been noted of this exceptionBelow is the disclosure on the promotion which states you are not guaranteed the 0% rate: A preapproval is not an offer for guaranteed creditYour credit profile appears to qualify you for this loan programInformation in your credit report was used in connection with this offerYou received this offer because you satisfied criteria for creditworthiness under which you were selectedYou may not receive this offer if, after you apply, you do not meet the criteria used to select you, or any applicable criteria bearing on your creditworthinessLoan approval and APR based on creditworthiness and ability to repayOffer expires December 26, We are unable to honor your request to refund the interest you paid at the 5.99% rate for January and February on your [redacted] AccountOur research confirmed that we did not offer you a 0% interest rate plus 40,points when you spend $4,In light of any confusion which may have taken place, we have honored the 5.99% interest rate until November as a courtesy and credited the bonus points to your accountAs stated above, your qualifying rate should have been 17.74% as you opted to receive the pointsShould you have any additional questions or concerns, feel free to contact me directly Sincerely, [redacted] Member Experience Online Coordinator Alliant Credit Union ( [redacted] ***
March 18, [redacted] Better Business Case # [redacted] Dear Ms [redacted] Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback and takes these complaints very seriouslyIn your complaint you state that there was a delay in receiving the required documents from Alliant after you notified us that your aunt was deceased and that you would like contact information for the department that is handling the account at this timeOur records show that on February 8, 2016, you notified us that Ms [redacted] , an Alliant account-holder had passed away on February 6, Alliant follows proper internal protocol and procedures handling deceased accounts as well as the requirements according to New Jersey lawOn behalf of Alliant, I apologize for the delay in getting the appropriate paperwork to youAs a result of Legal and Compliance, Alliant is unable to share any further details on this issue You can contact [redacted] Alliant’s Senior Corporate Counsel, at [redacted] should you have any additional questionsSincerely, [redacted] Member Engagement & Service Alliant Credit Union [redacted] ***
Complaint: [redacted] I am rejecting this response because:I was never notified that my ATM card would be on restrictionPlease provide the notification you state was given to me stating that I would not be able to deposit checks in my account Sincerely, [redacted]
November 18, *** ***
*** * *** *** Mesa, AZ Better Business Case # *** Dear Ms*** Thank you for your correspondence to the Revdex.com In your correspondence, you state that Alliant Credit Union (Alliant) repossessed
your vehicle hours after the loan was paid current. You further state that Alliant had plenty of time to cancel the repossession order yet the vehicle was still picked up. You state that this caused you to miss work as well as your children missing school and day care which were already paid for. In addition, you state that Alliant is charging you $to cancel the repossession. As a resolution, you request that Alliant credit your loan $which is equal to the lost wages. You also request that Alliant not charge the repossession cancellation fee. Our records show that Alliant tried reaching out to you by phone and email multiple times regarding your past due loan. After attempting to contact you several times to discuss your account, the vehicle was assigned for repossession when it continued to be delinquent. Notes under your account indicate that you called us and spoke to a representative on November 3, at approximately 3:36pm CT. At this time, the full payment needed to bring your account current was made. Unfortunately, there was a timing issue from when the payment was made and when the vehicle was picked up. Regrettably, the order was not updated and received in time by our third party vendor and the vehicle was picked up on November 4, Due to the timing issues that occurred, Alliant has not charged you the repossession cancellation fee of $100. In addition, we have credited $to the principal loan balance per our request On behalf of Alliant, I apologize for any frustration or inconvenience you experienced and hope you find this resolution satisfactoryShould you have any additional questions or concerns regarding this complaint, feel free to contact me directly at the number listed below. Sincerely, *** *** Online Member Service Consultant Alliant Credit Union *** *** *** * ***
September 28, *** ***
*** *** *** *** ***
*** *** ** *** Better Business Case# *** Dear Ms*** Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and
takes their complaints very seriouslyIn the complaint you indicate that Alliant filed a 1099C in error because your debt was paid in fullAs a resolution, you would like Alliant to correct the 1099C as soon as possibleI have researched your complaint and found that there was an error made between the collection agency and the attorneyThe check for $3,that was received in February of was misappliedThe payment will be in our next month’s billing and we will correct the 1099CAt the end of the month we will update your credit report to reflect this debt as “settled”We have sent the corrected 1099C to your address on fileWhen you receive the corrected 1099C, it will have a box labeled “Corrected” checked to show that it has been correctedOn behalf of Alliant, I apologize for any inconvenience and frustration you experienced. Should you have any additional questions or concerns, feel free to contact me directly at the number listed below Sincerely, *** *** Member Service Consultant *** *** ***
*** ***
*** ***
April
12,
*** ** ***
*** *** ***
*** ** ***
Better
Business Case # ***
Dear
Ms* ***
Thank
you for your subsequent correspondence to the Revdex.com
Your rebuttal contains
the following issues:
You
are rejecting our response because you were never notified that your ATM
card would be on restriction
You
are requesting we provide the notification that you were advised you would
not be able to deposit checks with your ATM card
I
will respond to each issue below:
Records
on your account show that when you called on 01/21/to order the ATM card, our
representative verbally advised you that your card would have a restriction on
it which would not allow ATM deposits to be madePer your request, the call
was escalated to a supervisor who explained that the restriction is due to negative
information on a *** Systems report that we receivedWe verbally supplied you
with the phone number for *** Systems so you could call and find out more details
of the negative reportingWe are unable to share this information directly
with members
Our
records also show that on 03/16/you called and spoke to a supervisor
stating you were never advised you could not make ATM depositsDuring this
phone conversation, we advised you that this was discussed over the phone on
01/21/at the time the card was ordered
If
you would like more information regarding the *** Systems report, please
contact them at ***Once the *** Systems report has been cleared of
any negative reporting, you can re-apply for an unrestricted ATM/Debit cardWe
will need to pull another *** Systems report to determine if you qualify for
the deposit restriction to be lifted
On
behalf of Alliant, I apologize for any miscommunication that may have taken
place and for any frustration you experiencedWe appreciate you bringing this matter
to our attention so that we can consider sending out a mailed notification of
the restriction as a reminder and improve the member experience going forward
Sincerely,
*** ***
Member
Engagement
Alliant
Credit Union
***
***
May 16, *** *** *** *** **Forest Hill, MD 21050-Revdex.com Case # *** Dear Mr*** Thank you for your correspondence to the Revdex.com. In your complaint, you state that Alliant Credit Union (Alliant) contacted you to
question a $5,transfer that was deposited and withdrawn from your account. During the call, you stated that your finances are private and would not explain why you scheduled the transfer. You state that the representative you spoke with became rude and informed you your account would be locked from transferring funds with no explanation. You state that you called back requesting to speak with another representative who was also rude to you and requested a check withdrawal from the account. As a desired resolution you are requesting an apology from Alliant for the service you received on May 9, 2017. You would like your account back without any future demands for explanation involving your account activity. After researching your account, we have confirmed that our Fraud Department reached out to you with concerns regarding electronic (ACH) transfers that were being sent to/from another institution account. These transfers were scheduled using Alliant’s Online Banking service. Our records show that you first completed a transfer for $5,into your Alliant Checking Account from *** *** on May 4, 2017. Shortly after receiving the deposit you scheduled another transfer from your Alliant Checking Account back to *** *** for $5,on May 4, 2017. These funds were sent to *** *** on May 5, 2017. You also scheduled a second transfer for $5,from *** *** to your Alliant Checking Account that was received on May 9, 2017. Again, shortly after the funds posted, you scheduled another transfer for $5,back to *** *** on May 9, 2017. The transferring of funds to and from the same account within a very short period of time is considered unusual banking activity which can trigger potential fraudulent activity alertThe transfer activity which was initiated via Online Banking on your account is what led to Alliant’s Fraud Department calling you to question the activity on your account on May 9, 2017. Alliant adheres to all Federal guidelines pertaining to the USA Patriot Act and reserves the right to ask additional questions or request additional documentation for identity purposes so we can know our membersWhile speaking with our Fraud Department on May 9, you were asked about the most recent transfer(s) on your account on May 9, 2017. You indicated that you scheduled the transfer(s) in error. Our Fraud representative then questioned the transfer(s) on your account from May 4, 2017. At this point in the call, you stated it was your account and that it should not matterDuring the call you were unwilling to provide the reason(s) for your redundant transfer activity. Since no explanation was provided to our Fraud Department, a restriction was placed on your accountOn May 9, you spoke with a second Fraud representative who explained that you needed to provide the reason(s) for the activity on your account. Again, you stated it was personal and refused to provide an explanationOur Fraud representative explained the account would remain restricted until the reason(s) for your transfer activity were providedOur fraud representatives explained what was needed from you on both occasions; however, the information requested was not provided. We are sorry if you felt our Fraud representatives were rude and hostile and have forwarded your comments to the appropriate management for quality and training. Since submitting this complaint you have spoken with our Fraud Department and the restriction on your account has been removed. Security is Alliant’s top priority and we take protecting Alliant and our member’s funds very seriouslyAs such, we cannot guarantee that our Fraud Department will not need to contact you or any other member in the future to question account activity, per Federal guidelines. I hope this response helps address your concerns. Should you have any questions regarding your account, please call *** ***, Monday through Friday from a.mto p.mCST Sincerely, *** *** Online Member Service Analyst Member Engagement & Service *** *** ***
*** ***
*** *** Tell us why here
Complaint: ***
I am rejecting this response because:Alliant is unwilling work with meI understand business policies are in place for a reasonI also understand exceptions can always be made if the entity which put the policy in place is willing to do soI had a pre-approved loan with *** *** *** of whom I am a memberHowever, I went with Alliant at he dealership's advice (BAD ADVICE at that)These finite details regarding the policies I would be subject to during the term of the loan were never outlined verbally or in writing during the process of obtaing the loanI understand the finance department at the dealership (acting as my PoA) and Alliant's buyers were the two parties who came to an agreement, which has left me out in the coldI will at every turn advise that nobody ever do business with Alliant's mickey mouse organizationIt is no wonder Alliant was unable to sustain a physical branch in the state of Arizona.Worst regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
March 3, *** ***
*** * *** **
*** *** ** *** Better Business Case # *** Dear Mr*** Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their
complaints very seriouslyIn your complaint you state that Alliant has reported negative information to the credit bureaus that is not correct and beyond seven years. As a resolution, you are requesting that Alliant delete the trade name from the credit bureausUpon receiving your complaint, we reviewed the reporting of your Alliant Checking Account with the credit bureau for accuracy. In our research we found that you carried a negative balance of $on your Alliant Checking Account for days. Our records show that after days, the checking account was not brought to a positive balance, and the negative balance was charged off as uncollectable debtWe reported the negative share balance as “Charged Off” in August 2012. Our records show that we received a check in the amount of $on August 6, 2013. After receiving your check Alliant completed an adjustment on August 7, 2013. This adjustment was processed as a courtesy for the small negative balance left on your account. The updated reporting for your Checking Account was sent to the credit bureaus at the end of August with our monthly reporting. Your charge off was updated to show as “Paid Was A Charge Off." The length of time information appears on a consumers credit report is determined by the Credit Reporting Agencies and not AlliantGenerally, a credit reporting will be calculated from the last date of activity; however, the Credit Reporting Agency controls this. After conducting this research, we determined that the reporting of your Checking Account to the credit bureau is accurateAs such, we are unable to comply with your request to change or remove this data in fairness to our entire membership and to uphold our commitment to report true and accurate information to the credit bureaus. If you have any further questions, please feel free to contact me directly. Sincerely, Dan W*** Member Engagement & Service Alliant Credit Union ###-###-#### ###-###-#### direct ###-###-#### fax ***@alliantcreditunion.com Tell us why here
Revdex.com:
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 Business Response /* (1000, 5, 2015/05/15) */
May 15,
*** ***
*** *** AveApt ***
*** NY XXXXX
Better Business Case # XXXXXXXX
Dear Mr***,
Thank you for your correspondence to the Revdex.com
In your complaint, you
state that Alliant Credit Union transferred $from your savings to pay the remaining balance on your loan without your authorizationYou further state that the dealership sent in a payment that was short by $to pay off your loan because they were late sending the paymentYou state that you are upset that Alliant transferred $from your savings account to your loan so we could pay the loan off and release the title to the dealerAs a resolution, you request that Alliant transfer the $back to your savings account because this amount should have been sent from the dealer
On behalf of Alliant, I apologize that we transferred funds to pay off the remaining balance on your loan without your authorizationWhen we receive payoff checks that are $or less short to pay the loan in full and if there are sufficient funds in the member's account, we generally transfer funds from the member's account to satisfy the remaining balance so the title can be releasedThis action also prevents additional interest from accruing on the unpaid loan balance and prevents any late fees from being chargedMost members appreciate this proactive action to close their loan and release the title
Our records show that you spoke with our Title department on 05/14/and we explained to you why the transfer was madeWe offered to reverse the transfer and reopen the loan and you declinedYou requested that we not release the title until the dealer sends in the shortage amountWe agreed to hold off sending the title until we received the check from the dealer for the shortageLater that day, the check was received from the dealer and deposited into your savings account since the loan had already been paid in fullThe title was released to the dealer on 5/14/
Again, on behalf of Alliant, I apologize for any inconvenience and frustration you experiencedShould you have any additional questions or concerns, feel free to contact me directly at the number listed below
Sincerely,
*** ***
Member Engagement & Service
X-XXX-XXX-XXXX ext***
XXX-XXX-XXXX direct
XXX-XXX-XXXX fax
Initial Consumer Rebuttal /* (2000, 7, 2015/05/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thanks for explanation
June 13, 2016*** ***
*** * *** ***
*** ** *** *Revdex.coms Case # ***Dear Mr*** Thank you for your correspondence to the Revdex.com. In your complaint, you state you ran into a mild financial situation and have contacted
Alliant Credit Union (Alliant) to request a payment extension on your installment loan. In your comments you state that your request was denied due to your loan being less than a year old. As a desired solution you would like to be granted an extension on your installment loan.Our records show that your Used Indirect Auto Loan (L01) was opened on January 4th, 2016. Per your loan contract, you agreed to make monthly payments of $beginning on February 18, 2016. As of the date of this response, Alliant has received payments since your loan has been opened. We thank you for making these payments on time. We understand that members might experience a financial hardship over time while paying their loan. In an effort to help these members, Alliant offers loan assistance programs to members that meet certain criteria. In your complaint you state that you requested a payment extension on your Used Indirect Auto Loan (L01)To apply for the Skip a Payment Program the vehicle loan:Must be open for a minimum of monthsPayments must be current and title receivedMust not have Collateral Protection Insurance (CPI) added to the loanUnfortunately, since your loan is less than months old it does not qualify for the Skip a Payment Program at this point in time. In fairness to other members we will not be able to make any exception to skip a payment. In case you were unaware, Alliant offers a day grace period from your due date before a late fee will be applied. Also, a negative credit reporting would not be made until the loan is past due for days.While you do not qualify for the Skip a Payment Program at this time, you may consider applying for another one of our assistance programs in the near future. Alliant also offers a Loan Payment Reduction Plan which provides a temporary payment reduction up to 30%. To apply for any assistance programs there is a $application fee that must be paid before the application is sent out. To apply for the Loan Payment Reduction Plan the vehicle loan:Must be open for a minimum of monthsPayments must be current and title receivedMust not have Collateral Protection Insurance (CPI) added to the loanOn behalf of Alliant, I apologize for any frustration you experienced with requesting a payment extension on your Used Indirect Auto Loan (L01). If you would like to apply for a Loan Payment Reduction after your first months, please contact our Collections department at *** *** *** *** *** *** *** Should you have any additional questions or concerns, feel free to contact me directly at the number listed below. Sincerely, *** ***Member Engagement & Service *** *** ***
*** ***
*** *** Tell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
*** ***
June 17, [redacted] Revdex.coms Case # [redacted] Dear Mr [redacted] This is in response to your subsequent correspondence In the complaint, you state that the details of Alliant's loan assistance programs should have been disclosed at the time you obtained the loan Per regulation and compliance, we are required to provide a Loan Agreement which discloses the loan terms and maturity date Alliant's loan assistance program is not part of your loan contract, as we are not obligated to offer these programs or grant a member with a payment extension whenever it is requested In order to offer loan assistance programs, we were required to put specific criteria into place and consider NCUA guidelines, Federal regulations, and best practices when setting up our loan assistance programs We are expected to adhere to the established criteria that have been put in place and are unable to make exceptionsUnfortunately, Alliant will not be able to grant the Skip a Payment Program to you since your loan has been opened for less than months We apologize for any disappointment and frustration this has caused As stated in our previous message, you may consider applying for our Loan Payment Reduction Plan after the loan has been open for one year If you would like to apply for a Loan Payment Reduction after your first six months, please contact our Collections Department at [redacted] for further assistance Should you have any additional questions or concerns, feel free to contact me directly at the number listed below [redacted] Tell us why here
March 1, 2017Revdex.com of Chicago & Northern Illinois, Inc[redacted] ***Chicago, IL RE: Revdex.com Case [redacted] Dear Revdex.com:Thank you for your correspondence from one of our members, Mr [redacted] ***Alliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriously.In the compliant Mr [redacted] states that over the course of his refinance experience with Alliant, there were credit union errors and delays which resulted in rate lock extension chargesAs a desired resolution, he requests a $refund in rate lock fees.Notes under the account show that there were delays during the refinance process caused by third parties which were beyond Alliant’s controlAdditionally, Mr [redacted] misrepresented the property as a single family residence which resulted in appraisal delays and additional fee collectionAlso, he did not disclose his correct primary addressFurther, there were complications meeting requirements to subordinate a Home Equity Line of Credit Loan with [redacted] .Our records also show that when the property was appraised, a finding was made that there were security bars on windows and doorsThe Federal National Mortgage Association, agency that all investment property loans Alliant sells to when funded, required that all windows and doors have safety release latchesNot having them is a safety and hazard issue and affects the safety, soundness, or structural Integrity of the Subject PropertyThis also added time to the application processing time as work had to be completed and inspected before a clear to close was givenAgain this was beyond our control.As a member courtesy, Alliant provided a 0.25% rate loan extension discount to Mr [redacted] two times to lock in a year fixed rate of 4.5000% which was the rate in effect at the time he submitted his application on 9/7/It is not uncommon for members to opt to pay for a rate lock extension to hold the lower rate versus paying a higher rate if the rate changedAfter reviewing the file, we show that some of the delays were caused by third party issues, not receiving accurate information regarding the property type and borrower primary residence address initiallyAdditionally there were delays caused by [redacted] ’s second mortgage and their subordination requirementsFurther, there were concerns about property which required items to be completed and have the appraiser go back to confirm they were completedThe following day after receiving updated appraisal confirming repairs were complete, we issued Final ApprovalAlliant absorbed some of the loan extension costs on this loan as a member courtesyThe actual cost was 1.125% of the $351,loan amountAlliant credited 0.625% ($2193.75) to Mr [redacted] and only charged him 0.500% ($1755.00)Most mortgage loans are complex and detailed in nature and this loan required some additional steps in order to obtain final approvalWe realize this was a lengthy process and delays took place due to third parties; however, Alliant followed protocol and procedure and worked as quickly as possible to process Mr***’s loan refinanceWe have already provided Mr [redacted] with the two courtesy rate lock extension discounts and do not believe we owe him anything furtherSincerely,Member Engagement & ServiceAlliant Credit Union
September 28, [redacted] Revdex.coms Case # [redacted] *Dear Mr [redacted] *Thank you for your correspondence to the Revdex.com In your complaint, you state that you sent forms to Alliant on August 15, requesting to withdraw funds from your IRA and Savings Accounts You state that you were unable to log into Online Banking on or around August 17, You contacted Alliant by phone on August 26, after not receiving your check in the mail and were asked to wait two more days After not receiving the check you contacted Alliant again on August 30, and were asked again to wait two more days You state that when you contacted Alliant on September 1, you were informed that a stop payment would be placed on the first check and a new check would be sent to you As of September 18, you had not received the check in the mail and no explanation why the account was closed.After researching this matter we confirmed that Alliant received your IRA Withdrawal Form on August 17, On this form you requested to withdraw the full balance of your Traditional IRA and to have 25% withheld for Federal Income Tax Also, on this form you requested to close your IRAA check was issued from your Traditional IRA in the amount of $36,and $12,was sent to the IRS for your Federal Withholding In addition, you requested to withdraw the balance of $from your Savings Account and close your membership with Alliant Both checks were mailed to your address on record on August 17, Online Banking is no longer available after membership is closed.Alliant suggests that members allow up to ten business days for mail delivery We have no control over how quickly an item is received in the mail To avoid any further delay, we try to make sure a member has provided ample time for a check to be received before placing a stop payment and issuing a new check I am sorry to hear that you did not receive the checks that were mailed on August 17, On September 1, you contacted Alliant to inform us that you still did not receive the check(s) You requested a stop payment and to have a new check(s) sent After reviewing the call on September 1, 2016, we found that the representative that assisted with your stop payment request overlooked the check withdrawal from your IRA A s payment was only placed on the check for $issued from your Savings Account in error We understand there may have been some assumption that only one check was mailed to you in August It was found that our representative did not specify any dollar amount(s) of the check(s) issued and did not clarify that two checks were issued In addition, when the stop payment was processed on the savings withdrawal check, a new check for $was not issued due to human error On behalf of Alliant, I apologize for the errors that took place with your stop payment request This matter has been forwarded to the appropriate management as a training opportunity to prevent these types of situations in the futureWe have placed a stop payment on the original IRA check withdrawal for $36, Due to the errors made by Alliant, we have added the dividends that would have been earned from August 17, to September 23, on this amount The total dividends added to your balance were $ We have issued a new check for the entire balance of your IRA and Savings Account in the amount of $36,on September 22, We have sent this new check to you via Federal Express and our records show that this package has been delivered to your address on September 23, On behalf of Alliant, I apologize for any frustration you experienced with receiving these funds Should you have any additional questions or concerns regarding this matter, please feel free to contact me directly at the number listed below Sincerely, [redacted] Online Member Service Consultant Member Engagement & Service [redacted] Tell us why here
Initial Business Response / [redacted] (1000, 5, 2015/04/22) */ April 22, [redacted] North [redacted] St [redacted] FL XXXXX Better Business Case # XXXXXXXX Dear Mr [redacted] , Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriously In your complaint you indicate that Alliant is reporting two credit inquires which were made on March 7, and October 9, to the credit bureausYou state that you have sent correspondence to Alliant disputing these inquiries and requested that they be removed from your credit fileAs a desired resolution, you request that Alliant delete these two inquiries from your credit report and provide you with a confirmation letter of the removal of these inquiries Our records show that your Alliant Account was opened on December 13, At approximately 9:00pm CT on March 6, an online car loan application was created via Alliant's Online Banking platformDuring the loan application process, we disclose that a hard credit pull is made to qualify the applicant for the loanAs such, you electronically consented to the credit pull at the time the application was submitted There are notes under your account which show that on March 7, at approximately 11:40am, one of our loan consultants spoke with you about your loan applicationThe application was then processed and was deniedA "Statement of Refusal to Grant Loan" (Denial Letter) was sent to the address on file for youWe have no record that you called us after the denial letter was sent to dispute the loan denial or the credit bureau inquiry Our records also show that on October 9, 2014, another car loan application was submitted onlineNotes under your account show that one of our loan consultants spoke with you regarding your application on this same day and discussed your credit issues and stipulations we would need in order to approve the loanOur records show that the loan was denied and the loan consultant advised you of this via telephoneOur records also reflect that on October 9, 2014, we sent an H-Form for credit score disclosure to the address we have on file for youWe have no record of you contacting us to dispute this loan application or the credit bureau inquiry We are obligated to report true and accurate information to the credit reporting agencies and we are audited for compliance and regulationAs such, we are unable to comply with your request to remove the two credit inquires as they were authorized during the online loan application process Should you have any additional questions or concerns regarding this complaint, feel free to contact me directly at the number listed below Sincerely, [redacted] Manager - Member Engagement & Service Alliant Credit Union X-XXX-XXX-XXXX ext***
October 20, [redacted] Spring Hill, FL 34608-Revdex.com Case # [redacted] – Alliant Credit Union Dear Ms [redacted] , Thank you for your correspondence to the Revdex.com In the complaint you state that someone opened a Checking Account with Alliant Credit Union (Alliant) in your name using your social security number You state that you found out about the account after receiving information regarding the new account at your address As a result of the Checking Account being opened, you state that your credit score has gone down two points and while you don’t know if this account has been closed, you find it unacceptable that Alliant did not ask for an ID or a signature to open the account As a desired resolution, you would like to know that this matter has been handled and are requesting Alliant reimburse you for the cost of [redacted] *** We are sorry to hear that an account was opened under your name without your knowledge or consent We can certainly understand the concern and frustration that this situation has causedThe account opened in your name was closed on October 12, Like many other digital financial institutions, Alliant has tools in place that verify the applicant informationAn ID or signature is not always required when an applicant can be automatically authenticated When processing an application for a new account, Alliant will only complete a soft pull on the individual’s credit report According to [redacted] , a soft pull will not impact an individual’s credit score Only a hard credit pull will impact an individual’s credit score While there are many factors to be considered when a credit score changes, the opening of the Alliant account would not have impacted your credit score If you would still like the soft pull to be removed, we will need to receive a completed ID Theft Affidavit Our records show that we emailed the ID Theft Affidavit to you on October 11, We have not received your completed affidavit as of the date of this responsePlease let us know if you did not receive the affidavit or if you need us to re-send it to youPlease understand that Alliant is not the source from which your personal information was compromised Alliant has no way of knowing where or when your information was compromised prior to the account application being submitted Since Alliant was not responsible for your personal information being compromised, we are unable to reimburse you for the cost of [redacted] *** We can recommend taking the steps below to protect your information going forward Review a recent credit report for any anomalies such as unknown accounts or file inquiries You may access a free credit report once a year at www.annualcreditreport.comPlace a fraud alert While accessing your free credit report, you can utilize the fraud alert option This will place an alert as well as an individual message on your credit report for future inquiries Review a recent [redacted] report for any unknown file inquiries Further information can be found at https://www.consumerdebit.com/consumerinfo/us/en/index.htmContact all your current financial institutionsContact banks, credit unions, credit card companies, etcalerting them that your information has been compromisedScan your computer for viruses and other malware with using anti-virus software or contact a computer specialistFind additional information at [redacted] Trade Commission http://www.ftc.gov/bcp/edu/microsites/idtheft/On behalf of Alliant, I apologize for any frustration or inconvenience this has caused Should you have any additional questions or concerns regarding this matter, please feel free to contact our Fraud Department by calling [redacted] Sincerely, [redacted] Online Member Service Analyst Member Engagement & Service
Tell us wh Revdex.com of Chicago & Northern Illinois, Inc[redacted] *** January 23, RE: Revdex.com Case# [redacted] Dear Mr [redacted] Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriouslyIn your complaint you state that there is a credit inquiry made by Alliant on your credit report that you did not authorizeYou also state that one of our representatives informed you that the inquiry would be removedAs a desired resolution, you request that the inquiry be removed from your credit report.After receiving your complaint, we have reviewed your account and the phone calls which were made to and from you at the telephone number we have on record for youAll of our calls are recorded for quality and monitoring purposesWe also verified that identification verification was conducted on each phone call with youI apologize for any confusion or misunderstanding which may have taken placeOur investigation confirmed that there is no evidence of Identity Theft occurring on your account and there was no disparity of your identity uncoveredIf you have a police report to share, kindly have the law enforcement representative who is handling your case contact our fraud department directly at [redacted] to discuss your casePlease know that Alliant is monitored and regulated for compliance and consistency and to ensure we treat our members fairlyAs the credit inquiry was validated, we are unable to comply with your request to remove the credit inquiry which was made on 10/14/to the credit bureau when your application was processedShould you have any additional questions or concerns, feel free to contact me directlySincerely, [redacted] Manager - Member Engagement & ServiceAlliant Credit Union [redacted] y here
Revdex.com of Chicago & Northern Illinois, Inc [redacted] Chicago, IL March 22, RE: Revdex.com Case# [redacted] Dear Ms [redacted] , Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriouslyIn your complaint you state that you should have received a 0% interest rate on your [redacted] and 40,points per a promotion you were offered by AlliantYou also state that after multiple calls and emails you were told you could not have the 0% interest rate because we credited you the 40,pointsAs a desired resolution, you request that the interest be refunded for January and FebruaryAfter receiving your complaint, we have reviewed your account and the phone calls which were made to AlliantAll of our calls are recorded for quality and monitoring purposesWe also reviewed the loan officer’s notes and spoke to the Manager of our [redacted] department about your call with herOur records show that we approved a [redacted] card for you in November of The promotion you were offered was VPromotion which stated you can receive 40,points if you spend $4,dollars in three cycles or you can get a rate as low as 0% for the first yearAlliant uses performance-based pricing where members get the best rate they qualify for based on their credit scoreAccording to your credit, you qualified for a 5.99% rate and you opted for the 5.9% interest rate instead of the 40,pointsRecords show you called us on Feb 22, and spoke to a loan officer and a representative in our [redacted] department inquiring about the 40,points which had not been credited to your accountOur notes show that we advised you that you did not receive the points because you opted for the low interest rate instead of the pointsYou indicated that you were not aware you were not getting bothWe advised you that your interest rate would go up to 17.74% if you opted to receive the points instead of the lower promotional rateOur records show that you elected to take the pointsAs such, we credited the points to your account and converted your credit card to the higher interest rate per our agreement with youRecords also show you contacted us on February 27, to inquire why you did not have the lower interest rate and stated you were told when you opened the [redacted] that you would have the lower rateOur notes show that we advised you again that the promotion was for either the 40,points or the low interest rate but not bothAfter your account was credited with the 40,points, your rate should have been changed to 17.740%; however, due to a clerical error, your rate remained at 5.99% When we realized this oversight, we corrected the rate to 17.740% which is the regular rate you qualified forOn March 8, 2017, our records show that you contacted us to ask why the rate was showing 17.74%Your call was escalated to a supervisor and she reviewed the accountWe agreed to honor the 5.99% rate as a courtesy in light of any misunderstanding and she advised you at that time that your rate would remain the 5.99%until November, Your account has been noted of this exceptionBelow is the disclosure on the promotion which states you are not guaranteed the 0% rate: A preapproval is not an offer for guaranteed creditYour credit profile appears to qualify you for this loan programInformation in your credit report was used in connection with this offerYou received this offer because you satisfied criteria for creditworthiness under which you were selectedYou may not receive this offer if, after you apply, you do not meet the criteria used to select you, or any applicable criteria bearing on your creditworthinessLoan approval and APR based on creditworthiness and ability to repayOffer expires December 26, We are unable to honor your request to refund the interest you paid at the 5.99% rate for January and February on your [redacted] AccountOur research confirmed that we did not offer you a 0% interest rate plus 40,points when you spend $4,In light of any confusion which may have taken place, we have honored the 5.99% interest rate until November as a courtesy and credited the bonus points to your accountAs stated above, your qualifying rate should have been 17.74% as you opted to receive the pointsShould you have any additional questions or concerns, feel free to contact me directly Sincerely, [redacted] Member Experience Online Coordinator Alliant Credit Union ( [redacted] ***
March 18, [redacted] Better Business Case # [redacted] Dear Ms [redacted] Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback and takes these complaints very seriouslyIn your complaint you state that there was a delay in receiving the required documents from Alliant after you notified us that your aunt was deceased and that you would like contact information for the department that is handling the account at this timeOur records show that on February 8, 2016, you notified us that Ms [redacted] , an Alliant account-holder had passed away on February 6, Alliant follows proper internal protocol and procedures handling deceased accounts as well as the requirements according to New Jersey lawOn behalf of Alliant, I apologize for the delay in getting the appropriate paperwork to youAs a result of Legal and Compliance, Alliant is unable to share any further details on this issue You can contact [redacted] Alliant’s Senior Corporate Counsel, at [redacted] should you have any additional questionsSincerely, [redacted] Member Engagement & Service Alliant Credit Union [redacted] ***
Complaint: [redacted] I am rejecting this response because:I was never notified that my ATM card would be on restrictionPlease provide the notification you state was given to me stating that I would not be able to deposit checks in my account Sincerely, [redacted]
November 18, *** ***
*** * *** *** Mesa, AZ Better Business Case # *** Dear Ms*** Thank you for your correspondence to the Revdex.com In your correspondence, you state that Alliant Credit Union (Alliant) repossessed
your vehicle hours after the loan was paid current. You further state that Alliant had plenty of time to cancel the repossession order yet the vehicle was still picked up. You state that this caused you to miss work as well as your children missing school and day care which were already paid for. In addition, you state that Alliant is charging you $to cancel the repossession. As a resolution, you request that Alliant credit your loan $which is equal to the lost wages. You also request that Alliant not charge the repossession cancellation fee. Our records show that Alliant tried reaching out to you by phone and email multiple times regarding your past due loan. After attempting to contact you several times to discuss your account, the vehicle was assigned for repossession when it continued to be delinquent. Notes under your account indicate that you called us and spoke to a representative on November 3, at approximately 3:36pm CT. At this time, the full payment needed to bring your account current was made. Unfortunately, there was a timing issue from when the payment was made and when the vehicle was picked up. Regrettably, the order was not updated and received in time by our third party vendor and the vehicle was picked up on November 4, Due to the timing issues that occurred, Alliant has not charged you the repossession cancellation fee of $100. In addition, we have credited $to the principal loan balance per our request On behalf of Alliant, I apologize for any frustration or inconvenience you experienced and hope you find this resolution satisfactoryShould you have any additional questions or concerns regarding this complaint, feel free to contact me directly at the number listed below. Sincerely, *** *** Online Member Service Consultant Alliant Credit Union *** *** *** * ***
September 28, *** ***
*** *** *** *** ***
*** *** ** *** Better Business Case# *** Dear Ms*** Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and
takes their complaints very seriouslyIn the complaint you indicate that Alliant filed a 1099C in error because your debt was paid in fullAs a resolution, you would like Alliant to correct the 1099C as soon as possibleI have researched your complaint and found that there was an error made between the collection agency and the attorneyThe check for $3,that was received in February of was misappliedThe payment will be in our next month’s billing and we will correct the 1099CAt the end of the month we will update your credit report to reflect this debt as “settled”We have sent the corrected 1099C to your address on fileWhen you receive the corrected 1099C, it will have a box labeled “Corrected” checked to show that it has been correctedOn behalf of Alliant, I apologize for any inconvenience and frustration you experienced. Should you have any additional questions or concerns, feel free to contact me directly at the number listed below Sincerely, *** *** Member Service Consultant *** *** ***
*** ***
*** ***
April
12,
*** ** ***
*** *** ***
*** ** ***
Better
Business Case # ***
Dear
Ms* ***
Thank
you for your subsequent correspondence to the Revdex.com
Your rebuttal contains
the following issues:
You
are rejecting our response because you were never notified that your ATM
card would be on restriction
You
are requesting we provide the notification that you were advised you would
not be able to deposit checks with your ATM card
I
will respond to each issue below:
Records
on your account show that when you called on 01/21/to order the ATM card, our
representative verbally advised you that your card would have a restriction on
it which would not allow ATM deposits to be madePer your request, the call
was escalated to a supervisor who explained that the restriction is due to negative
information on a *** Systems report that we receivedWe verbally supplied you
with the phone number for *** Systems so you could call and find out more details
of the negative reportingWe are unable to share this information directly
with members
Our
records also show that on 03/16/you called and spoke to a supervisor
stating you were never advised you could not make ATM depositsDuring this
phone conversation, we advised you that this was discussed over the phone on
01/21/at the time the card was ordered
If
you would like more information regarding the *** Systems report, please
contact them at ***Once the *** Systems report has been cleared of
any negative reporting, you can re-apply for an unrestricted ATM/Debit cardWe
will need to pull another *** Systems report to determine if you qualify for
the deposit restriction to be lifted
On
behalf of Alliant, I apologize for any miscommunication that may have taken
place and for any frustration you experiencedWe appreciate you bringing this matter
to our attention so that we can consider sending out a mailed notification of
the restriction as a reminder and improve the member experience going forward
Sincerely,
*** ***
Member
Engagement
Alliant
Credit Union
***
***
May 16, *** *** *** *** **Forest Hill, MD 21050-Revdex.com Case # *** Dear Mr*** Thank you for your correspondence to the Revdex.com. In your complaint, you state that Alliant Credit Union (Alliant) contacted you to
question a $5,transfer that was deposited and withdrawn from your account. During the call, you stated that your finances are private and would not explain why you scheduled the transfer. You state that the representative you spoke with became rude and informed you your account would be locked from transferring funds with no explanation. You state that you called back requesting to speak with another representative who was also rude to you and requested a check withdrawal from the account. As a desired resolution you are requesting an apology from Alliant for the service you received on May 9, 2017. You would like your account back without any future demands for explanation involving your account activity. After researching your account, we have confirmed that our Fraud Department reached out to you with concerns regarding electronic (ACH) transfers that were being sent to/from another institution account. These transfers were scheduled using Alliant’s Online Banking service. Our records show that you first completed a transfer for $5,into your Alliant Checking Account from *** *** on May 4, 2017. Shortly after receiving the deposit you scheduled another transfer from your Alliant Checking Account back to *** *** for $5,on May 4, 2017. These funds were sent to *** *** on May 5, 2017. You also scheduled a second transfer for $5,from *** *** to your Alliant Checking Account that was received on May 9, 2017. Again, shortly after the funds posted, you scheduled another transfer for $5,back to *** *** on May 9, 2017. The transferring of funds to and from the same account within a very short period of time is considered unusual banking activity which can trigger potential fraudulent activity alertThe transfer activity which was initiated via Online Banking on your account is what led to Alliant’s Fraud Department calling you to question the activity on your account on May 9, 2017. Alliant adheres to all Federal guidelines pertaining to the USA Patriot Act and reserves the right to ask additional questions or request additional documentation for identity purposes so we can know our membersWhile speaking with our Fraud Department on May 9, you were asked about the most recent transfer(s) on your account on May 9, 2017. You indicated that you scheduled the transfer(s) in error. Our Fraud representative then questioned the transfer(s) on your account from May 4, 2017. At this point in the call, you stated it was your account and that it should not matterDuring the call you were unwilling to provide the reason(s) for your redundant transfer activity. Since no explanation was provided to our Fraud Department, a restriction was placed on your accountOn May 9, you spoke with a second Fraud representative who explained that you needed to provide the reason(s) for the activity on your account. Again, you stated it was personal and refused to provide an explanationOur Fraud representative explained the account would remain restricted until the reason(s) for your transfer activity were providedOur fraud representatives explained what was needed from you on both occasions; however, the information requested was not provided. We are sorry if you felt our Fraud representatives were rude and hostile and have forwarded your comments to the appropriate management for quality and training. Since submitting this complaint you have spoken with our Fraud Department and the restriction on your account has been removed. Security is Alliant’s top priority and we take protecting Alliant and our member’s funds very seriouslyAs such, we cannot guarantee that our Fraud Department will not need to contact you or any other member in the future to question account activity, per Federal guidelines. I hope this response helps address your concerns. Should you have any questions regarding your account, please call *** ***, Monday through Friday from a.mto p.mCST Sincerely, *** *** Online Member Service Analyst Member Engagement & Service *** *** ***
*** ***
*** *** Tell us why here
Complaint: ***
I am rejecting this response because:Alliant is unwilling work with meI understand business policies are in place for a reasonI also understand exceptions can always be made if the entity which put the policy in place is willing to do soI had a pre-approved loan with *** *** *** of whom I am a memberHowever, I went with Alliant at he dealership's advice (BAD ADVICE at that)These finite details regarding the policies I would be subject to during the term of the loan were never outlined verbally or in writing during the process of obtaing the loanI understand the finance department at the dealership (acting as my PoA) and Alliant's buyers were the two parties who came to an agreement, which has left me out in the coldI will at every turn advise that nobody ever do business with Alliant's mickey mouse organizationIt is no wonder Alliant was unable to sustain a physical branch in the state of Arizona.Worst regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***
March 3, *** ***
*** * *** **
*** *** ** *** Better Business Case # *** Dear Mr*** Thank you for your correspondence to the Revdex.comAlliant Credit Union (Alliant) appreciates feedback from its members and takes their
complaints very seriouslyIn your complaint you state that Alliant has reported negative information to the credit bureaus that is not correct and beyond seven years. As a resolution, you are requesting that Alliant delete the trade name from the credit bureausUpon receiving your complaint, we reviewed the reporting of your Alliant Checking Account with the credit bureau for accuracy. In our research we found that you carried a negative balance of $on your Alliant Checking Account for days. Our records show that after days, the checking account was not brought to a positive balance, and the negative balance was charged off as uncollectable debtWe reported the negative share balance as “Charged Off” in August 2012. Our records show that we received a check in the amount of $on August 6, 2013. After receiving your check Alliant completed an adjustment on August 7, 2013. This adjustment was processed as a courtesy for the small negative balance left on your account. The updated reporting for your Checking Account was sent to the credit bureaus at the end of August with our monthly reporting. Your charge off was updated to show as “Paid Was A Charge Off." The length of time information appears on a consumers credit report is determined by the Credit Reporting Agencies and not AlliantGenerally, a credit reporting will be calculated from the last date of activity; however, the Credit Reporting Agency controls this. After conducting this research, we determined that the reporting of your Checking Account to the credit bureau is accurateAs such, we are unable to comply with your request to change or remove this data in fairness to our entire membership and to uphold our commitment to report true and accurate information to the credit bureaus. If you have any further questions, please feel free to contact me directly. Sincerely, Dan W*** Member Engagement & Service Alliant Credit Union ###-###-#### ###-###-#### direct ###-###-#### fax ***@alliantcreditunion.com Tell us why here
Revdex.com:
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 Business Response /* (1000, 5, 2015/05/15) */
May 15,
*** ***
*** *** AveApt ***
*** NY XXXXX
Better Business Case # XXXXXXXX
Dear Mr***,
Thank you for your correspondence to the Revdex.com
In your complaint, you
state that Alliant Credit Union transferred $from your savings to pay the remaining balance on your loan without your authorizationYou further state that the dealership sent in a payment that was short by $to pay off your loan because they were late sending the paymentYou state that you are upset that Alliant transferred $from your savings account to your loan so we could pay the loan off and release the title to the dealerAs a resolution, you request that Alliant transfer the $back to your savings account because this amount should have been sent from the dealer
On behalf of Alliant, I apologize that we transferred funds to pay off the remaining balance on your loan without your authorizationWhen we receive payoff checks that are $or less short to pay the loan in full and if there are sufficient funds in the member's account, we generally transfer funds from the member's account to satisfy the remaining balance so the title can be releasedThis action also prevents additional interest from accruing on the unpaid loan balance and prevents any late fees from being chargedMost members appreciate this proactive action to close their loan and release the title
Our records show that you spoke with our Title department on 05/14/and we explained to you why the transfer was madeWe offered to reverse the transfer and reopen the loan and you declinedYou requested that we not release the title until the dealer sends in the shortage amountWe agreed to hold off sending the title until we received the check from the dealer for the shortageLater that day, the check was received from the dealer and deposited into your savings account since the loan had already been paid in fullThe title was released to the dealer on 5/14/
Again, on behalf of Alliant, I apologize for any inconvenience and frustration you experiencedShould you have any additional questions or concerns, feel free to contact me directly at the number listed below
Sincerely,
*** ***
Member Engagement & Service
X-XXX-XXX-XXXX ext***
XXX-XXX-XXXX direct
XXX-XXX-XXXX fax
Initial Consumer Rebuttal /* (2000, 7, 2015/05/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thanks for explanation
June 13, 2016*** ***
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*** ** *** *Revdex.coms Case # ***Dear Mr*** Thank you for your correspondence to the Revdex.com. In your complaint, you state you ran into a mild financial situation and have contacted
Alliant Credit Union (Alliant) to request a payment extension on your installment loan. In your comments you state that your request was denied due to your loan being less than a year old. As a desired solution you would like to be granted an extension on your installment loan.Our records show that your Used Indirect Auto Loan (L01) was opened on January 4th, 2016. Per your loan contract, you agreed to make monthly payments of $beginning on February 18, 2016. As of the date of this response, Alliant has received payments since your loan has been opened. We thank you for making these payments on time. We understand that members might experience a financial hardship over time while paying their loan. In an effort to help these members, Alliant offers loan assistance programs to members that meet certain criteria. In your complaint you state that you requested a payment extension on your Used Indirect Auto Loan (L01)To apply for the Skip a Payment Program the vehicle loan:Must be open for a minimum of monthsPayments must be current and title receivedMust not have Collateral Protection Insurance (CPI) added to the loanUnfortunately, since your loan is less than months old it does not qualify for the Skip a Payment Program at this point in time. In fairness to other members we will not be able to make any exception to skip a payment. In case you were unaware, Alliant offers a day grace period from your due date before a late fee will be applied. Also, a negative credit reporting would not be made until the loan is past due for days.While you do not qualify for the Skip a Payment Program at this time, you may consider applying for another one of our assistance programs in the near future. Alliant also offers a Loan Payment Reduction Plan which provides a temporary payment reduction up to 30%. To apply for any assistance programs there is a $application fee that must be paid before the application is sent out. To apply for the Loan Payment Reduction Plan the vehicle loan:Must be open for a minimum of monthsPayments must be current and title receivedMust not have Collateral Protection Insurance (CPI) added to the loanOn behalf of Alliant, I apologize for any frustration you experienced with requesting a payment extension on your Used Indirect Auto Loan (L01). If you would like to apply for a Loan Payment Reduction after your first months, please contact our Collections department at *** *** *** *** *** *** *** Should you have any additional questions or concerns, feel free to contact me directly at the number listed below. Sincerely, *** ***Member Engagement & Service *** *** ***
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*** *** Tell us why here
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
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