Tell us wh Revdex.com of Chicago & Northern Illinois, Inc.*** ** *** *** *** ***
*** ** *** January 23, 2017 RE: Revdex.com 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 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 *** *** 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 directly. Sincerely, *** ***Manager - Member Engagement & ServiceAlliant Credit Union *** *** * *** y here
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...
Tell us wh Revdex.com of Chicago & Northern Illinois, Inc.[redacted]
[redacted] January 23, 2017 RE: Revdex.com Case# [redacted] 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 state that there is a credit inquiry made by Alliant on your credit report that you did not authorize. You also state that one of our representatives informed you that the inquiry would be removed. As 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 you. All of our calls are recorded for quality and monitoring purposes. We also verified that identification verification was conducted on each phone call with you. I apologize for any confusion or misunderstanding which may have taken place. Our investigation confirmed that there is no evidence of Identity Theft occurring on your account and there was no disparity of your identity uncovered. If 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 case. Please know that Alliant is monitored and regulated for compliance and consistency and to ensure we treat our members fairly. As the credit inquiry was validated, we are unable to comply with your request to remove the credit inquiry which was made on 10/14/16 to the credit bureau when your application was processed. Should you have any additional questions or concerns, feel free to contact me directly. Sincerely, [redacted]Manager - Member Engagement & ServiceAlliant Credit Union [redacted] y here...
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
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]
March 18, 2016 [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]
October 17, 2017 [redacted] St Charles, IL 60174-8804 Revdex.com Case # [redacted] – Alliant Credit Union Dear Mr. [redacted] Thank you for your correspondence to the Revdex.com. In your complaint, you state that you were...
approved for a vehicle loan in August 2017. As of September 13, 2017, you began receiving emails indicating that your application was expiring. You contacted Alliant and were informed the error was resolved via email. On October 4, 2017 you received another email informing you of an Adverse Action Notice. You also state that there was an issue with reading your Social Security Card through the loan application process. As a desired resolution you are requesting a redaction of the Adverse Action Notice, an apology from the CEO of Alliant and would like to know what corrective action is taking place with correcting the erroneous notifications and training with reading Social Security cards. We are sorry to hear that you experienced an issue with submitting a copy of your Social Security Card when trying to complete your Loan Application. After reviewing this matter we found that you initially submitted a word document to Alliant with your name and Social Security number typed out, not an actual copy of a Social Security Card. Our records show that you submitted your copy of your Social Security Card shortly after you sent the word document. Please know there was no issue with reading or accepting your Social Security Card. It appears that our underwriting department did not see that your Social Security Card was received after the word document was sent. Our records show that one Used Auto Loan application was initiated on August 17, 2017 and two additional Used Auto Loan applications were initiated on August 18, 2017. The loan application initiated on August 17, 2017 was submitted entirely using Online Banking. A credit pull was processed and the loan was later approved and opened on August 22, 2017. The two additional Used Auto Loan Applications from August 18, 2017 were also initiated using Online Banking; however, there was no information entered beyond providing the loan type. You were brought to the first page of the loan application and then exited the application. The two loan applications from August 18, 2017 were unfinished applications and remained in our system in a pending status. In your complaint, you state that you began receiving notices that your loan application(s) were expiring. Loan applications will remain in a pending status for 30 days before an application expires. The email notices you received were a result of the pending loan applications initiated on August 18, 2017. These email notices were not sent in error. When a loan application is pending, an email is sent approximately five days before the application is due to expire. Our records show that these two loan applications expired on September 17, 2017. There was no credit pull made with these two applications, as these applications were never finished. We are required to send an Adverse Action Notice for any loan and credit card application that is initiated regardless if the application is finished or if the loan or credit card is funded/opened or not. On October 4, 2017 Alliant experienced a system error that caused duplicate loan denial notices for previously expired, cancelled, and denied applications to be sent by email. This error did not result in having your credit pulled. Alliant sent a follow up email to impacted members on October 4, 2017, stating the loan denial email(s) were sent in error. We have identified the root cause of the system error that took place and have taken measures to prevent this issue from happening in the future. 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 me directly at the number listed below. Sincerely, [redacted] Online Member Service Analyst Member Engagement & Service [redacted]
[redacted]
[redacted] here...
Complaint: [redacted]
I am rejecting this response because: I did not apply for anything from this company and the police department want evidence from this company which you guys have failed to do ..this company refuse to send me anything backing up what they are stating by law and by the FDRA I have a right to see what is being saidI am requesting evidence in If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.per the FDRA you have fail in this area
Sincerely,
[redacted]
July 7, 2017 [redacted] Parker, CO 80134-6912 Revdex.com Case # [redacted] Dear [redacted] Thank you for your correspondence to the Revdex.com. In your complaint, you state that you entered into a...
settlement agreement for your Alliant [redacted] Credit Card in March 2014. You sent a letter on May 20, 2014 requesting Alliant update their records to reflect the settlement and discontinue the sending of statements. On January 25, 2015 you sent another letter requesting the settlement be reported correctly and received a letter in response indicating it was corrected. Your credit report is incorrectly showing as a charge-off as of June 2017 and the date reported should have been in 2014. You state that this is a violation of the FCRA and are requesting the removal of all derogatory account reporting. We have researched this matter and our records show that an update was sent to the credit bureaus on February 26, 2015 (AUD #[redacted]). We have reviewed the reporting of your settlement and have found that it is only partially accurate. In February 2015 the comments for the account report was updated to “Settled in Full,” but did not remove the “Charge Off” status. In effort to address this matter we have requested to have this trade line ([redacted]) removed from your credit report due to the incorrect reporting. Removing the trade line will erase the [redacted] from your credit report and will stop future reporting. The [redacted] account will no longer be seen by the Credit Reporting Agencies. We have submitted an update to all three of the credit bureaus (AUD#[redacted]) on June 28, 2017. It can take up to two weeks for the credit bureaus to update the information on your credit report. We apologize that you have been receiving erroneous email notifications indicating your [redacted] statement is available after settling your [redacted] account. We have addressed this matter and have stopped these email notifications from being sent moving forward. Should you have any additional questions or concerns, feel free to contact me directly at the number listed below. Sincerely, [redacted] Online Member Service Analyst Member Engagement & Service [redacted]
[redacted]
[redacted]
Revdex.com of Chicago & Northern Illinois, Inc. [redacted] Chicago, IL 60611 March 22, 2017 RE: Revdex.com Case# 1[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. In your complaint you state that you should have received a 0% interest rate on your [redacted] and 40,000 points per a promotion you were offered by Alliant. You also state that after multiple calls and emails you were told you could not have the 0% interest rate because we credited you the 40,000 points. As a desired resolution, you request that the interest be refunded for January and February. After receiving your complaint, we have reviewed your account and the phone calls which were made to Alliant. All of our calls are recorded for quality and monitoring purposes. We also reviewed the loan officer’s notes and spoke to the Manager of our [redacted] department about your call with her. Our records show that we approved a [redacted] card for you in November of 2016. The promotion you were offered was V103 Promotion which stated you can receive 40,000 points if you spend $4,000 dollars in three cycles or you can get a rate as low as 0% for the first year. Alliant uses performance-based pricing where members get the best rate they qualify for based on their credit score. According to your credit, you qualified for a 5.99% rate and you opted for the 5.9% interest rate instead of the 40,000 points. Records show you called us on Feb 22, 2017 and spoke to a loan officer and a representative in our [redacted] department inquiring about the 40,000 points which had not been credited to your account. Our notes show that we advised you that you did not receive the points because you opted for the low interest rate instead of the points. You indicated that you were not aware you were not getting both. We advised you that your interest rate would go up to 17.74% if you opted to receive the points instead of the lower promotional rate. Our records show that you elected to take the points. As such, we credited the points to your account and converted your credit card to the higher interest rate per our agreement with you. Records also show you contacted us on February 27, 2017 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 rate. Our notes show that we advised you again that the promotion was for either the 40,000 points or the low interest rate but not both. After your account was credited with the 40,000 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 for. On 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 account. We 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, 2017. Your account has been noted of this exception. Below is the disclosure on the promotion which states you are not guaranteed the 0% rate: A preapproval is not an offer for guaranteed credit. Your credit profile appears to qualify you for this loan program. Information in your credit report was used in connection with this offer. You received this offer because you satisfied criteria for creditworthiness under which you were selected. You 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 creditworthiness. Loan approval and APR based on creditworthiness and ability to repay. Offer expires December 26, 2016. 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] Account. Our research confirmed that we did not offer you a 0% interest rate plus 40,000 points when you spend $4,000. In light of any confusion which may have taken place, we have honored the 5.99% interest rate until November 2017 as a courtesy and credited the bonus points to your account. As stated above, your qualifying rate should have been 17.74% as you opted to receive the points. Should you have any additional questions or concerns, feel free to contact me directly. Sincerely, [redacted] Member Experience Online Coordinator Alliant Credit Union ([redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
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 EngagementAlliant Credit Union[redacted][email protected]
March 1, 2017Revdex.com of Chicago & Northern Illinois, Inc.[redacted]Chicago, IL 60611 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 charges. As a desired resolution, he requests a $3948.75 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 control. Additionally, Mr. [redacted] misrepresented the property as a single family residence which resulted in appraisal delays and additional fee collection. Also, he did not disclose his correct primary address. Further, 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 doors. The Federal National Mortgage Association, agency that all investment property loans Alliant sells to when funded, required that all windows and doors have safety release latches. Not having them is a safety and hazard issue and affects the safety, soundness, or structural Integrity of the Subject Property. This also added time to the application processing time as work had to be completed and inspected before a clear to close was given. Again 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 30 year fixed rate of 4.5000% which was the rate in effect at the time he submitted his application on 9/7/16. 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 changed. After 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 initially. Additionally there were delays caused by [redacted]’s second mortgage and their subordination requirements. Further, there were concerns about property which required items to be completed and have the appraiser go back to confirm they were completed. The following day after receiving updated appraisal confirming repairs were complete, we issued Final Approval. Alliant absorbed some of the loan extension costs on this loan as a member courtesy. The actual cost was 1.125% of the $351,000 loan amount. Alliant 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 approval. We realize this was a lengthy process and delays took place due to third parties; however, Alliant followed normal protocol and procedure and worked as quickly as possible to process Mr. [redacted]’s loan refinance. We have already provided Mr. [redacted] with the two courtesy rate lock extension discounts and do not believe we owe him anything further. Sincerely,Member Engagement & ServiceAlliant Credit Union
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]
October 20, 2017 [redacted] Spring Hill, FL 34608-1023 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 caused. The account opened in your name was closed on October 12, 2017. Like many other digital financial institutions, Alliant has tools in place that verify the applicant information. An 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, 2017. We have not received your completed affidavit as of the date of this response. Please let us know if you did not receive the affidavit or if you need us to re-send it to you. Please 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.com. Place 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.htm. Contact all your current financial institutions. Contact banks, credit unions, credit card companies, etc. alerting them that your information has been compromised. Scan your computer for viruses and other malware with using anti-virus software or contact a computer specialist. Find 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
February 1, 2017 [redacted] Lombard, IL. 60148 Revdex.com Case #[redacted] 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 seriously. In your complaint, you state that Alliant sent your title to an old address. Since you did not receive the title, we (Alliant) requested that you complete a duplicate title application and pay a duplicate title fee. As a resolution, you would like the title to be sent free of charge to the correct address of [redacted]. Lombard, Illinois 60148. Our records show that we had a primary account address in Naperville and a mailing address in Lombard on your account. Our records also show that your Alliant auto loan was paid in full on January 5, 2017 and per Alliant’s policy, the title was released via regular U.S. mail five business days later on January 13, 2017. Due to a clerical error, the title was sent to the primary address on file and not the mailing address. After receiving this compliant, I called you to discuss your concerns and you agreed to wait a few weeks to see if the original title is returned to us via the [redacted] If it is, we will forward it to your Lombard address. If the title is not returned to us by February 28th, 2017, our Loan Servicing department will mail you the duplicate title application and lien release along with the $95 to cover the cost of obtaining a duplicate title. On behalf of Alliant, I apologize for any confusion or frustration you have experienced as a result of the title getting sent to the wrong address. Should you have any additional questions or concerns regarding this complaint, feel free to contact me at [redacted]
Sincerely, [redacted] Online Member Experience Consultant Alliant Credit Union
Tell us wh Revdex.com of Chicago & Northern Illinois, Inc.*** ** *** *** *** ***
*** ** *** January 23, 2017 RE: Revdex.com 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 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 *** *** 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 directly. Sincerely, *** ***Manager - Member Engagement & ServiceAlliant Credit Union *** *** * *** y here
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...
Tell us wh Revdex.com of Chicago & Northern Illinois, Inc.[redacted]
[redacted] January 23, 2017 RE: Revdex.com Case# [redacted] 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 state that there is a credit inquiry made by Alliant on your credit report that you did not authorize. You also state that one of our representatives informed you that the inquiry would be removed. As 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 you. All of our calls are recorded for quality and monitoring purposes. We also verified that identification verification was conducted on each phone call with you. I apologize for any confusion or misunderstanding which may have taken place. Our investigation confirmed that there is no evidence of Identity Theft occurring on your account and there was no disparity of your identity uncovered. If 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 case. Please know that Alliant is monitored and regulated for compliance and consistency and to ensure we treat our members fairly. As the credit inquiry was validated, we are unable to comply with your request to remove the credit inquiry which was made on 10/14/16 to the credit bureau when your application was processed. Should you have any additional questions or concerns, feel free to contact me directly. Sincerely, [redacted]Manager - Member Engagement & ServiceAlliant Credit Union [redacted] y here...
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
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]
March 18, 2016 [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]
October 17, 2017 [redacted] St Charles, IL 60174-8804 Revdex.com Case # [redacted] – Alliant Credit Union Dear Mr. [redacted] Thank you for your correspondence to the Revdex.com. In your complaint, you state that you were...
approved for a vehicle loan in August 2017. As of September 13, 2017, you began receiving emails indicating that your application was expiring. You contacted Alliant and were informed the error was resolved via email. On October 4, 2017 you received another email informing you of an Adverse Action Notice. You also state that there was an issue with reading your Social Security Card through the loan application process. As a desired resolution you are requesting a redaction of the Adverse Action Notice, an apology from the CEO of Alliant and would like to know what corrective action is taking place with correcting the erroneous notifications and training with reading Social Security cards. We are sorry to hear that you experienced an issue with submitting a copy of your Social Security Card when trying to complete your Loan Application. After reviewing this matter we found that you initially submitted a word document to Alliant with your name and Social Security number typed out, not an actual copy of a Social Security Card. Our records show that you submitted your copy of your Social Security Card shortly after you sent the word document. Please know there was no issue with reading or accepting your Social Security Card. It appears that our underwriting department did not see that your Social Security Card was received after the word document was sent. Our records show that one Used Auto Loan application was initiated on August 17, 2017 and two additional Used Auto Loan applications were initiated on August 18, 2017. The loan application initiated on August 17, 2017 was submitted entirely using Online Banking. A credit pull was processed and the loan was later approved and opened on August 22, 2017. The two additional Used Auto Loan Applications from August 18, 2017 were also initiated using Online Banking; however, there was no information entered beyond providing the loan type. You were brought to the first page of the loan application and then exited the application. The two loan applications from August 18, 2017 were unfinished applications and remained in our system in a pending status. In your complaint, you state that you began receiving notices that your loan application(s) were expiring. Loan applications will remain in a pending status for 30 days before an application expires. The email notices you received were a result of the pending loan applications initiated on August 18, 2017. These email notices were not sent in error. When a loan application is pending, an email is sent approximately five days before the application is due to expire. Our records show that these two loan applications expired on September 17, 2017. There was no credit pull made with these two applications, as these applications were never finished. We are required to send an Adverse Action Notice for any loan and credit card application that is initiated regardless if the application is finished or if the loan or credit card is funded/opened or not. On October 4, 2017 Alliant experienced a system error that caused duplicate loan denial notices for previously expired, cancelled, and denied applications to be sent by email. This error did not result in having your credit pulled. Alliant sent a follow up email to impacted members on October 4, 2017, stating the loan denial email(s) were sent in error. We have identified the root cause of the system error that took place and have taken measures to prevent this issue from happening in the future. 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 me directly at the number listed below. Sincerely, [redacted] Online Member Service Analyst Member Engagement & Service [redacted]
[redacted]
[redacted] here...
Complaint: [redacted]
I am rejecting this response because: I did not apply for anything from this company and the police department want evidence from this company which you guys have failed to do ..this company refuse to send me anything backing up what they are stating by law and by the FDRA I have a right to see what is being saidI am requesting evidence in If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this.per the FDRA you have fail in this area
Sincerely,
[redacted]
July 7, 2017 [redacted] Parker, CO 80134-6912 Revdex.com Case # [redacted] Dear [redacted] Thank you for your correspondence to the Revdex.com. In your complaint, you state that you entered into a...
settlement agreement for your Alliant [redacted] Credit Card in March 2014. You sent a letter on May 20, 2014 requesting Alliant update their records to reflect the settlement and discontinue the sending of statements. On January 25, 2015 you sent another letter requesting the settlement be reported correctly and received a letter in response indicating it was corrected. Your credit report is incorrectly showing as a charge-off as of June 2017 and the date reported should have been in 2014. You state that this is a violation of the FCRA and are requesting the removal of all derogatory account reporting. We have researched this matter and our records show that an update was sent to the credit bureaus on February 26, 2015 (AUD #[redacted]). We have reviewed the reporting of your settlement and have found that it is only partially accurate. In February 2015 the comments for the account report was updated to “Settled in Full,” but did not remove the “Charge Off” status. In effort to address this matter we have requested to have this trade line ([redacted]) removed from your credit report due to the incorrect reporting. Removing the trade line will erase the [redacted] from your credit report and will stop future reporting. The [redacted] account will no longer be seen by the Credit Reporting Agencies. We have submitted an update to all three of the credit bureaus (AUD#[redacted]) on June 28, 2017. It can take up to two weeks for the credit bureaus to update the information on your credit report. We apologize that you have been receiving erroneous email notifications indicating your [redacted] statement is available after settling your [redacted] account. We have addressed this matter and have stopped these email notifications from being sent moving forward. Should you have any additional questions or concerns, feel free to contact me directly at the number listed below. Sincerely, [redacted] Online Member Service Analyst Member Engagement & Service [redacted]
[redacted]
[redacted]
Revdex.com of Chicago & Northern Illinois, Inc. [redacted] Chicago, IL 60611 March 22, 2017 RE: Revdex.com Case# 1[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. In your complaint you state that you should have received a 0% interest rate on your [redacted] and 40,000 points per a promotion you were offered by Alliant. You also state that after multiple calls and emails you were told you could not have the 0% interest rate because we credited you the 40,000 points. As a desired resolution, you request that the interest be refunded for January and February. After receiving your complaint, we have reviewed your account and the phone calls which were made to Alliant. All of our calls are recorded for quality and monitoring purposes. We also reviewed the loan officer’s notes and spoke to the Manager of our [redacted] department about your call with her. Our records show that we approved a [redacted] card for you in November of 2016. The promotion you were offered was V103 Promotion which stated you can receive 40,000 points if you spend $4,000 dollars in three cycles or you can get a rate as low as 0% for the first year. Alliant uses performance-based pricing where members get the best rate they qualify for based on their credit score. According to your credit, you qualified for a 5.99% rate and you opted for the 5.9% interest rate instead of the 40,000 points. Records show you called us on Feb 22, 2017 and spoke to a loan officer and a representative in our [redacted] department inquiring about the 40,000 points which had not been credited to your account. Our notes show that we advised you that you did not receive the points because you opted for the low interest rate instead of the points. You indicated that you were not aware you were not getting both. We advised you that your interest rate would go up to 17.74% if you opted to receive the points instead of the lower promotional rate. Our records show that you elected to take the points. As such, we credited the points to your account and converted your credit card to the higher interest rate per our agreement with you. Records also show you contacted us on February 27, 2017 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 rate. Our notes show that we advised you again that the promotion was for either the 40,000 points or the low interest rate but not both. After your account was credited with the 40,000 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 for. On 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 account. We 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, 2017. Your account has been noted of this exception. Below is the disclosure on the promotion which states you are not guaranteed the 0% rate: A preapproval is not an offer for guaranteed credit. Your credit profile appears to qualify you for this loan program. Information in your credit report was used in connection with this offer. You received this offer because you satisfied criteria for creditworthiness under which you were selected. You 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 creditworthiness. Loan approval and APR based on creditworthiness and ability to repay. Offer expires December 26, 2016. 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] Account. Our research confirmed that we did not offer you a 0% interest rate plus 40,000 points when you spend $4,000. In light of any confusion which may have taken place, we have honored the 5.99% interest rate until November 2017 as a courtesy and credited the bonus points to your account. As stated above, your qualifying rate should have been 17.74% as you opted to receive the points. Should you have any additional questions or concerns, feel free to contact me directly. Sincerely, [redacted] Member Experience Online Coordinator Alliant Credit Union ([redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]
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 EngagementAlliant Credit Union[redacted][email protected]
March 1, 2017Revdex.com of Chicago & Northern Illinois, Inc.[redacted]Chicago, IL 60611 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 charges. As a desired resolution, he requests a $3948.75 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 control. Additionally, Mr. [redacted] misrepresented the property as a single family residence which resulted in appraisal delays and additional fee collection. Also, he did not disclose his correct primary address. Further, 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 doors. The Federal National Mortgage Association, agency that all investment property loans Alliant sells to when funded, required that all windows and doors have safety release latches. Not having them is a safety and hazard issue and affects the safety, soundness, or structural Integrity of the Subject Property. This also added time to the application processing time as work had to be completed and inspected before a clear to close was given. Again 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 30 year fixed rate of 4.5000% which was the rate in effect at the time he submitted his application on 9/7/16. 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 changed. After 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 initially. Additionally there were delays caused by [redacted]’s second mortgage and their subordination requirements. Further, there were concerns about property which required items to be completed and have the appraiser go back to confirm they were completed. The following day after receiving updated appraisal confirming repairs were complete, we issued Final Approval. Alliant absorbed some of the loan extension costs on this loan as a member courtesy. The actual cost was 1.125% of the $351,000 loan amount. Alliant 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 approval. We realize this was a lengthy process and delays took place due to third parties; however, Alliant followed normal protocol and procedure and worked as quickly as possible to process Mr. [redacted]’s loan refinance. We have already provided Mr. [redacted] with the two courtesy rate lock extension discounts and do not believe we owe him anything further. Sincerely,Member Engagement & ServiceAlliant Credit Union
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]
October 20, 2017 [redacted] Spring Hill, FL 34608-1023 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 caused. The account opened in your name was closed on October 12, 2017. Like many other digital financial institutions, Alliant has tools in place that verify the applicant information. An 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, 2017. We have not received your completed affidavit as of the date of this response. Please let us know if you did not receive the affidavit or if you need us to re-send it to you. Please 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.com. Place 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.htm. Contact all your current financial institutions. Contact banks, credit unions, credit card companies, etc. alerting them that your information has been compromised. Scan your computer for viruses and other malware with using anti-virus software or contact a computer specialist. Find 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
February 1, 2017 [redacted] Lombard, IL. 60148 Revdex.com Case #[redacted] 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 seriously. In your complaint, you state that Alliant sent your title to an old address. Since you did not receive the title, we (Alliant) requested that you complete a duplicate title application and pay a duplicate title fee. As a resolution, you would like the title to be sent free of charge to the correct address of [redacted]. Lombard, Illinois 60148. Our records show that we had a primary account address in Naperville and a mailing address in Lombard on your account. Our records also show that your Alliant auto loan was paid in full on January 5, 2017 and per Alliant’s policy, the title was released via regular U.S. mail five business days later on January 13, 2017. Due to a clerical error, the title was sent to the primary address on file and not the mailing address. After receiving this compliant, I called you to discuss your concerns and you agreed to wait a few weeks to see if the original title is returned to us via the [redacted] If it is, we will forward it to your Lombard address. If the title is not returned to us by February 28th, 2017, our Loan Servicing department will mail you the duplicate title application and lien release along with the $95 to cover the cost of obtaining a duplicate title. On behalf of Alliant, I apologize for any confusion or frustration you have experienced as a result of the title getting sent to the wrong address. Should you have any additional questions or concerns regarding this complaint, feel free to contact me at [redacted]
Sincerely, [redacted] Online Member Experience Consultant Alliant Credit Union
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]