Alliant Credit Union

Complaint: [redacted] 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 [redacted] 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 ArizonaWorst regards, [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]

September 28, [redacted] Better Business 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 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 possible I 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 corrected On 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, [redacted] Member Service Consultant [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2015/05/15) */ May 15, [redacted] AveApt [redacted] NY XXXXX Better Business Case # XXXXXXXX Dear Mr [redacted] , 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, [redacted] Member Engagement & Service X-XXX-XXX-XXXX ext [redacted] XXX-XXX-XXXX direct XXX-XXX-XXXX fax Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/05/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thanks for explanation

[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] ***

transparent;" paraid="1398764569">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 closedAfter 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 closedAlliant 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

June 13, 2016 [redacted] RevDex.coms Case # [redacted] Dear Mr. [redacted] 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 75 monthly payments of $606.49 beginning on February 18, 2016. As of the date of this response, Alliant has received 5 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 12 months Payments must be current and title received Must not have Collateral Protection Insurance (CPI) added to the loan Unfortunately, since your loan is less than 12 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 10 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 30 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 $25.00 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 6 months Payments must be current and title received Must not have Collateral Protection Insurance (CPI) added to the loan On 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 6 months, please contact our Collections department at [redacted] Should you have any additional questions or concerns, feel free to contact me directly at the number listed below. Sincerely, [redacted] Member Engagement & Service [redacted] Tell us why here...

Initial Business Response /* (1000, 5, 2014/06/04) */
June 4,
*** ***
*** S*** Ave Unit ***
*** ** XXXXX
Better Business Case# XXXXXXXX
Dear Mr***,
Thank you for your correspondence to the Revdex.comAlliant Credit Union
(Alliant) appreciates feedback from its members and takes their complaints very seriously
In the complaint you indicate that you attempted to contact the mortgage department at Alliant Credit Union on May 26, and on May 27, You indicate that in the morning on May 27, 2014, one of our representatives advised you that we would contact you later that dayYou did not receive a call back from us and at 4:00pm you called us back to learn that the mortgage department was in a meeting and that no one was available to speak with youYou further state there was a major billing issue that you needed to discuss with us and that no one could give you any informationAs a resolution you would like an apology letter from the President of Alliant Credit Union
Alliant partners with a third party call center to assist our members with basic account questions and transactions after our business hours, on week-ends and holidays when we are closedWhile we realize the service they can provide is limited, it offers our geographically-dispersed membership the opportunity to speak with a representative
We show that you contacted us on Memorial Day, Monday, May 26, and spoke with our third party call centerOur records also show that you called us the following morning on May 27, and again spoke with our third party call center representative since we were experiencing high call volumes as we were closed for three days due to the holiday weekendThe representative tried to contact our main office to assist you but was unable to reach someone in a timely mannerIn order to avoid having you remain on the line longer than you had already experienced, the representative promised to escalate your issue and mark it as urgent anticipating that we would be able to call you back later that dayAs stated above, our offices had been closed for three days and our work protocol is to work all escalated issues in the order they are receivedRegrettably, we did not get the opportunity to call you back before you contacted us again later in the afternoon
When you called us back later in the day on May 27, 2014, the Alliant representative you spoke with was unable to assist you as your inquiry required the expertise of our mortgage departmentUnfortunately our mortgage department was unavailable at the time so our representative sent a request to the mortgage department to contact you the following dayOur notes show that a mortgage servicing representative reviewed your account and contacted you on May 28, and advised you that your initial payment should have been sent to *** *** Mortgage; however, the payment was sent to AlliantSince we were unable to post this payment for you, we forwarded the payment to *** *** so that it would be posted timelyAlliant bought your loan between the time you financed with *** *** and May 1, Paperwork was sent to you instructing you to send your initial payment to *** and subsequent payments to Alliant
Again, I apologize that our third party call center representative was unable to assist you and promised a call back immediatelyWe have escalated your feedback to the appropriate management so that we can improve the member experience going forward
Per your request, you will receive an apology letter from the President of Alliant Credit Union addressing this issue under separate cover to your home address within the next days
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 Coordinator
Alliant Credit Union
(XXX)XXX-XXXX ext***
(XXX)XXX-XXXX direct
(XXX)XXX-XXXX fax
Initial Consumer Rebuttal /* (3000, 7, 2014/06/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Please send a copy of this "paperwork" where I was instructed to send a payment to *** *** I am very interested to review the content of this paperwork as well as what day it was sentAs far As I was told - the loan was purchased by Alliant as of the date of closing and all of the closing paperwork indicates this
Final Business Response /* (4000, 9, 2014/06/06) */
June 6,
Dear Mr***,
The inital payment coupon for *** *** was included in your closing packetWe have sent a copy of the signed payment coupon by you via U.SMail and *** *** The *** Tracking # is XXXX XXXX XXXX
Please let me know if there is anything else you need
Sincerely,
*** ***
Manager - Member Engagement & Service
Alliant Credit Union
(XXX) XXX-XXXX

November 18,
"margin: 0in 0in 0pt;"> *** ***
*** * *** ***
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
***
*** *** * ***

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 bureaus
Upon 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

Initial Business Response /* (1000, 5, 2014/02/14) */
February 14,
*** ***
*** *** *** St
*** *** ** XXXXX-XXXX
Better Business Case # XXXXXXXX
Dear Ms***,
Thank you for your correspondence to the Revdex.comAlliant Credit Union
(Alliant) appreciates feedback from its members and takes these complaints very seriously
In your complaint you state that we forced your account to be closed since you filed bankruptcy and as a result your account was closed on January 24, You state that you had three direct deposits going into the account ending in and that you were able to change two of the direct deposits to your new account; however, the direct deposit for *** *** from Military Retirement was not changed in time and was therefore deposited into the closed account that you could not accessYou further state that you contacted us and we advised you that the check representing funds from your direct deposit was mailed on January 31, 2014, however you never received the check
Our records show that on December 20, 2013, we sent you a letter advising that your checking account was going to be closed on January 24, This should have allowed sufficient time to stop all direct deposits to the accountUnfortunately, we have no control over third party Direct Deposits and are unable to stop them or change them to another bank
After further review, it appears that the check was not mailed on January 31, 2014, as we had advised you, due to a check printer issueThis issue was not discovered until February 10, which is why you received conflicting information as to the whereabouts of your checkOn behalf of Alliant, I regret that we did not learn of this issue earlier and that this information was not shared with you in a timely matter and for any inconvenience this causedOur records show a check was reissued and mailed on February 10, It may take 7-business days to receive the check, depending on the United States Postal Service
Again, I apologize for the disappointing service you received and for any frustration you experiencedShould you have any questions or concerns, feel free to contact me directly at the number listed below
Sincerely,
*** ***
Member Engagement & Service
Alliant Credit Union
X-XXX-XXX-XXXX ext***
Final Consumer Response /* (2000, 7, 2014/02/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I DO ACCEPT THE RESPONSE BUT NOW EVERYTHING IS ok WE GOT THE CHECK TODAY IN THE MAIL $AND WAS PUT IN OUR New Checking Account so Thank You so much big help

I missed payment in months ( Shame on me ) I was paying extra the very next month to get caught upOut of blue with no warning they ( Stole my car ) I under stand if months no payment with no effort to payBut and immediately start paying extra to make it rightAlliant is part of the swamp that needs to be drained

I applied for a personal loan with Alliant within the last hours The website actually changed the income information I put into the website - to much lower numbers! I was subsequently denied the loan and then upon questioning I was told by Alliant that they had received my income numbers? I actually sent them via secure email/regular email to the loan officer in addition to my online submission When I questioned their decision, the loan officer in question mentioned that they get audited etc., and that the underwriters decision was final
In my view their process is broke and needs to be fixed immediately, it is mired with elements that cause the consumer cognitive dissonance and creates a negative culture of doubt to those applying for a loan I entered and re-entered my income information several times, and am still in doubt that the underwriters decision was objectively executed given the flaws in their system
I plan on asking Alliant to remove the credit inquiry from my credit report given the problems with their website...I have very low expectations

Initial Business Response /* (1000, 5, 2014/11/13) */
November 13,
*** J *** ***
*** *** Way
*** ** XXXXX-XXXX
Better Business Case # XXXXXXXX
Dear Mr***,
Thank you for your correspondence to the Revdex.comAlliant Credit Union
(Alliant) appreciates feedback from its members and takes these complaints very seriously
In your complaint you state that Alliant has misrepresented the terms in the original loan Truth and Lending Statement and that you have been charged late fees before the 15th of every monthYou further state that Alliant stated to have paid your real estate taxes when we have not and that the property is your responsibilityAs a resolution, you request that Alliant refund any charges that are not entitled to usYou would also like the original Truth and Lending Statement from *** with the signature page included
After reviewing the account, we show that all late fees were correctly assessed when a payment was received after the 15th day of each month according to the loan contractBelow is a list of the date the payment was made along with the due date
Due Date Date Payment Received
11/1/1/5/
12/1/1/13/
5/1/5/26/
6/1/6/29/
8/1/9/3/
9/1/9/23/
12/1/1/6/
12/1/12/30/
6/1/6/27/
12/1/1/3/
5/1/5/24/
7/1/8/3/
11/1/11/30/
12/1/1/4/
2/1/3/3/
7/1/7/31/
8/1/8/29/
9/1/10/8/
10/1/11/1/
11/1/12/9/
1/1/3/31/
Per the terms of the mortgage contract, the borrowers are responsible, when and where payable, the amounts due for any real estate taxes for your property pursuant to Section & Section of your Mortgage DeedIf Alliant has not been provided acceptable proof of the required real estate remittance, it is necessary to protect our interest by paying your delinquent real estate taxesAlliant does not provide an escrow for taxes and/or insurance for your type of loan
Section 3- Funds for Escrow Items states "Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow ItemsLender may waive Borrower's obligation to pay Lender Funds for any or all Escrow Items at any timeAny such waiver may only be in writingIn the event of such waiver, Borrower shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may requireBorrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument, as the phrase 'covenant and agreement' is used in Section If the Borrower is obligated to pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow Item, Lender may exercise its rights under Section and pay such amount and Borrower shall then be obligated under Section to repay to Lender any such amount."
Section 9- Protection of Lender's Interest in the Property and Rights Under this Security Instrument states "If (a) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (b) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and the rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the PropertyLender's actions can include, but are not limited to: (a) paying any sums secured by a lien which has priority over this Security Instrument; (b) appearing in court; and (c) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceedingAny amounts disbursed by Lender under this Section shall become additional debt of Borrower secured by this Security Instrument."
Our records show that we sent you a letter in February, 2014, regarding your unpaid real estate taxes for 2011-(second installment), 2012-(total year), and 2013-(first installment) and the possibility that Alliant may elect to pay those taxes in order to preserve our lienAs the taxes remained unpaid following the notice, Alliant elected to exercise its right to pay the delinquent taxes on the property to prevent a tax lien on the property
A payment for the delinquent real estate taxes was sent to The County of *** on March 7, in the amount of $4,The delinquency was for taxes due 2011-This amount included the delinquent real estate tax amount and late penaltiesA letter was mailed to you on March 7, stating that a payment was sent for your delinquent taxesOn May 6, we received a Certificate of Redemption of Tax Default Property from the County of *** that the payment was received and applied
On August 4, 2014, we sent you a letter regarding your delinquent real estate taxes for 2013-(total year)If this amount is not paid within days of the first notice mailed, Alliant will exercise its right to pay the delinquent taxes on the property to prevent a tax lien on the property
Per your request, I have sent the Truth and Lending Statement along with the Deed of Trust, Mortgage Note and mortgage payment historyI have also included the documents verifying the delinquent real estate tax amount was sent to County of *** and received via *** *** deliveryThe tracking number is XXXXXXXXXXXX
If there are further questions or concerns with regard to this complaint, please do not hesitate to contact me
Sincerely,
*** ***
Member Engagement & Service
Alliant Credit Union
X-XXX-XXX-XXXX ext***
XXX-XXX-XXXX Direct
XXX-XXX-XXXX Fax

Initial Business Response /* (1000, 5, 2014/06/24) */
June 24,
*** M***
*** *** Cir
*** ** XXXXX-XXXX
Better Business Case # XXXXXXXX
Dear Ms***
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 state that in the spring of you contacted Alliant to advise us you were unable to make payments to your Line of Credit Loan due to health and unemployment issues and that you were going to contact a bankruptcy attorney for legal adviceYou further state that Alliant confiscated a student loan refund deposit to pay off the balance owed without notifying you and that we have never provided you with an accounting of where the funds were applied and any remaining balance owedYou also state that your recent credit report reflects that Alliant is still reporting a charge off for the full balance
As a resolution, you are requesting a detailed accounting of the balance owed, acknowledgement that we involuntarily removed funds from your checking account and immediate corrections made to all credit reporting agencies
Upon receiving your complaint, we reviewed the history on your account and the reporting of your loan with the credit bureau for accuracyOur records reflect that on 03/25/2013, you notified Alliant by phone to advise us you were going to file bankruptcyOur procedure is to put a hold on all collection calls for days when a member advises us they are going to file bankruptcyOn 04/30/2013, we confirmed that no bankruptcy had been filed, therefore, we proceeded to charge off the accountAt that time the loan was days delinquent, with a balance of $2,and the checking account had been negative by -$for days, despite collection efforts
On 09/06/2013, an electronic deposit was made to your checking account in the amount of $2,547.00, in which $was used to satisfy your negative balance in the checkingAt that time there was still no record of a bankruptcy filingOn 09/18/2013, the remaining amount of $2,was transferred to pay off part of your charge off balance for your Line of CreditAfter this payment was applied and as of today, there is still a remaining balance of $due
In Alliant's loan agreement under the Securities Interest, it states that all loans are secured by a $minimum deposit and a pledge of all shares now deposited or to be deposited with usIf you default, we have a lien under Section XXX(XX) of the *** *** *** Act in all shares
It also states in our Account Agreement and Disclosure, section titled Alliant Lien and Security Interest that if you owe us money as a borrower, guarantor, endorser or otherwise, we have a statutory lien on the account funds in any account in which you have ownership interest, regardless their source, unless prohibited by lawWe may apply these funds, without further notice to you, in any order to pay off indebtedness
After conducting this research, we determined that the reporting of your loan activity to the credit bureau is accurateAs such, we are unable to comply with your request to change or correct data in fairness to our entire membership and to uphold our commitment to report true and accurate information to the credit bureaus
As requested I have mailed you a copy of your September Alliant statement which reflects your account activity, to your address on fileI have also included a copy of the Account Agreement and Disclosures for you to review
If you have any further questions, please feel free to contact me directly at the phone number below
Sincerely,
*** ***
Member Engagement & Service
Alliant Credit Union
X-XXX-XXX-XXXX ext***
XXX-XXX-XXXX direct
XXX-XXX-XXXX fax
Initial Consumer Rebuttal /* (3000, 7, 2014/06/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is not accurate reporting that Alliant charged off the entire balanceI only owe them That is the only amount they have a right to report to anyone because they did involuntarily take funds from my account to pay off the remaining balanceI still request that correction
Thank you,
*** ***
Final Business Response /* (4000, 10, 2014/07/03) */
July 3,
*** M***
*** *** Cir
*** ** XXXXX-XXXX
Better Business Case # XXXXXXXX
Dear Ms***
Thank you for your subsequent correspondence to the Revdex.com
In your rebuttal, you state that Alliant Credit Union has inaccurate reported your charged off the entire balance, since you only owe $You state that this is the only amount we have the right to report to anyone because we withdrew funds from your account to pay the balanceAs a resolution, you request that Alliant correct the amount being reported to the credit reporting agencies
On behalf of Alliant, I regret that you disagree with the information we provided in our initial response to the Revdex.comAs explained previously, the Line of Credit was delinquent for days; therefore, on 04/30/we proceeded to charge off the Line of Credit with a balance of $2,Your checking account also had been negative days in the amount of -$96.21, despite collection effortsThese amounts were accurately reported to the credit bureaus at this time
As previously stated, an electronic deposit was made on 09/06/to your checking account in the amount of $2,547.00, in which $was used to satisfy your negative balance in the checkingOn 09/18/2013, the remaining amount of $2,was transferred to pay off part of your charge off balance for your Line of CreditWith this payment applied there is still a remaining balance of $due
Please know that your credit report will display the full charged off amount and the date of the charge offA full charged off balance will always be displayed on a credit report; however, it will either be listed as "paid" or it will show the outstanding balance that is still due
We determined that the reporting of your loan payment activity to the credit bureau is accurateSince the charged off balance for your Line of Credit was reported for $2,prior to receiving your payment of $2,we will not be able to change the charged off amount to $Receiving a payment after an account is charged off will does not change the amount that was actually charged offYour credit report will continue to display the charged off balance of $2,492.95; however, please know that Alliant has been accurately reporting the outstanding balance of $on your credit report for this charged off accountOnce the outstanding balance of $is paid the credit reporting will be updated to 'Charge Off Paid in Full.'
Sincerely,
*** ***
Member Engagement & Service
X-XXX-XXX-XXXX ext***
XXX-XXX-XXXX direct
XXX-XXX-XXXX fax

September 28,
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Better Business 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 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 possible
I 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 corrected On 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,
[redacted] Member Service Consultant [redacted]

transparent;" paraid="1398764569">September 28, 2016 
[redacted]
[redacted]
[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, 2016 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, 2016.  You contacted Alliant by phone on August 26, 2016 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, 2016 and were asked again to wait two more days.  You state that when you contacted Alliant on September 1, 2016 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, 2016 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, 2016.  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 IRA. A check was issued from your Traditional IRA in the amount of $36,452.18 and $12,452.18 was sent to the IRS for your Federal Withholding.  In addition, you requested to withdraw the balance of $51.92 from your Savings Account and close your membership with Alliant.  Both checks were mailed to your address on record on August 17, 2016. 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, 2016.  On September 1, 2016 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 $51.92 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 $51.92 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 future. We have placed a stop payment on the original IRA check withdrawal for $36,452.18.  Due to the errors made by Alliant, we have added the dividends that would have been earned from August 17, 2016 to September 23, 2016 on this amount.  The total dividends added to your balance were $35.78.  We have issued a new check for the entire balance of your IRA and Savings Account in the amount of $36,539.88 on September 22, 2016.  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, 2016.     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]
[redacted]
 
Tell us why here...

Complaint: [redacted]
I am rejecting this response because:
I was never notified that my ATM card would be on restriction. Please provide the notification you state was given to me stating that I would not be able to deposit checks in my account.
Sincerely,
[redacted]

I have had a credit card with Alliant Credit Union only a few months. I missed a payment in August cause I had recently lost my job. I called to see if there was anything they could do to assist me and they couldn't. I made a huge payment in September (the next payment due) which was 1 month after my August payment, so I missed one payment. They are not claiming I missed may payment by 79 days to be exact and have turned off my credit card and put it to their claims department. Thanks a lot for the poor customer service. Again I have maybe had this credit card for 6 months!?! I also have a car loan with them that has been nothing but issues. They deposited the loan in my checking account for me to pay [redacted] for, which when I have done a refinance on a car I have never had that happen. I guess I was responsible then for the title to be sent to me to then give to Allianz (basically the middle man). I don't know why I would get the title when I am not the owner of the car but ok. I never got the title from [redacted] so I was then being threatened with a higher APR rate on the car which would bring my payments up almost $200 more a month then I was already paying. I had to basically pay $95.00 to get the a 2nd loan title (reapply for one). This has been one of the worst experiences and I have nothing good to say about this company. I basically want to refinance again and go somewhere else where they appreciate my business and work with me when things happen.

Complaint: [redacted]
I am rejecting this response because:
Alliant is unwilling work with me. I understand business policies are in place for a reason. I also understand exceptions can always be made if the entity which put the policy in place is willing to do so. I had a pre-approved loan with [redacted] of whom I am a member. However, 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 loan. I 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 cold. I will at every turn advise that nobody ever do business with Alliant's mickey mouse organization. It is no wonder Alliant was unable to sustain a physical branch in the state of Arizona.
Worst regards,
[redacted]