Alliant Credit Union

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April 1, 2016
[redacted]
Better Business Case # [redacted]
Dear Ms. [redacted]
Thank you for your correspondence to the Revdex.com. Alliant Credit Union (Alliant) appreciates feedback from its members and takes their complaints very seriously.
Your complaint contains the following issues:
Your account was restricted from depositing checks.
You were never informed you could not deposit checks.
Your account was closed and you never told us to close your account.
You are requesting your account be reopened so your direct deposit from your payroll can be deposited.

I will respond to each issue below:
Your ATM card was restricted from allowing ATM Deposits due to negative information on your [redacted] Systems report. Our records indicate we notified you of this restriction when the card was ordered.
Records show you requested to close your account over the phone on 03/16/16 with a supervisor. On 03/23/16, you requested that we reopen your account. Your request was honored and your account was reopened.
In the complaint, as a desired resolution you state that you would like your account to be reopened. Our records show your account has been reopened.
Sincerely,
[redacted]
Member Engagement
Alliant Credit Union
[redacted]
[email protected]

normal; background-color: transparent;" paraid="439931540">June 13, 2016
[redacted] [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, 2015/05/15) */
May 15, 2015
[redacted]
[redacted] Ave. Apt [redacted]
[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 $7.54 from your savings to pay the remaining balance on your loan without your authorization. You further state that the dealership sent in a payment that was short by $7.54 to pay off your loan because they were late sending the payment. You state that you are upset that Alliant transferred $7.54 from your savings account to your loan so we could pay the loan off and release the title to the dealer. As a resolution, you request that Alliant transfer the $7.54 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 authorization. When we receive payoff checks that are $10.00 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 released. This action also prevents additional interest from accruing on the unpaid loan balance and prevents any late fees from being charged. Most members appreciate this proactive action to close their loan and release the title.
Our records show that you spoke with our Title department on 05/14/2015 and we explained to you why the transfer was made. We offered to reverse the transfer and reopen the loan and you declined. You requested that we not release the title until the dealer sends in the shortage amount. We agreed to hold off sending the title until we received the check from the dealer for the shortage. Later that day, the check was received from the dealer and deposited into your savings account since the loan had already been paid in full. The title was released to the dealer on 5/14/15.
Again, 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 Engagement & Service
X-XXX-XXX-XXXX ext. [redacted]
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.

March 18, 2016
0in 0pt; text-align: left;" align="left"> [redacted] Better Business Case # [redacted] Dear Ms. [redacted] Thank you for your correspondence to the Revdex.com. Alliant Credit Union (Alliant) appreciates feedback and takes these complaints very seriously. In 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 time. Our records show that on February 8, 2016, you notified us that Ms. [redacted], an Alliant account-holder had passed away on February 6, 2016. Alliant follows proper internal protocol and procedures handling deceased accounts as well as the requirements according to New Jersey law. On behalf of Alliant, I apologize for the delay in getting the appropriate paperwork to you. As 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 questions. Sincerely, [redacted] Member Engagement & Service Alliant Credit Union [redacted]

June 17, 2016 
[redacted]
[redacted]
[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 exceptions.
Unfortunately, Alliant will not be able to grant the Skip a Payment Program to you since your loan has been opened for less than 12 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]
[redacted]
[redacted]
[redacted]
[redacted]
Tell us why here...

Initial Business Response /* (1000, 5, 2015/04/22) */
April 22, 2015
[redacted] North [redacted] St
[redacted] FL XXXXX
Better Business Case # XXXXXXXX
Dear Mr. [redacted],
Thank you for your correspondence to the Revdex.com. Alliant 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, 2014 and October 9, 2014 to the credit bureaus. You state that you have sent correspondence to Alliant disputing these inquiries and requested that they be removed from your credit file. As 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, 2013. At approximately 9:00pm CT on March 6, 2014 an online car loan application was created via Alliant's Online Banking platform. During the loan application process, we disclose that a hard credit pull is made to qualify the applicant for the loan. As 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, 2014 at approximately 11:40am, one of our loan consultants spoke with you about your loan application. The application was then processed and was denied. A "Statement of Refusal to Grant Loan" (Denial Letter) was sent to the address on file for you. We 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 online. Notes 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 loan. Our records show that the loan was denied and the loan consultant advised you of this via telephone. Our records also reflect that on October 9, 2014, we sent an H-4 Form for credit score disclosure to the address we have on file for you. We 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 regulation. As 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. [redacted]