ALLIANT CREDIT UNION CFPB Complaints

Back to Dashboard
2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/04/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TN
  • 37055
Web Servicemember
On XX/XX/XXXX, a charge was posted to my credit card for a washer/dryer combo set ordered directly from XXXX 's website. On XX/XX/XXXX, a delivery was made but the incorrect product was received. I contacted XXXX, and was told to accept the delivery and that they would locate my product and swap them out. But the next day, I was informed that XXXX has no such program in place and would be unable to send us the product that we had ordered. They refused to send it to us, and said we would have to purchase it again to receive it. The retail price had increased, since we had purchased it at a promotional price. To get a refund, I would have to send back the wrong product ( which is fine ) but according to their return policy I would need to pay a restocking fee since the product was not defective or damaged. In the end, I would be paying hundreds of dollars to make up for XXXX 's shipment mistake, just to be able to receive the product I had ordered and paid for but was not given. And so, on XX/XX/XXXX, I filed a dispute with my credit card company, Alliant Credit Union. Having communicated with them several times and providing them with information and documentation, I was ensured that the process would be smooth ( even though it would take some time ). However, I received notice that my dispute was suddenly closed. on XX/XX/XXXX, and that I needed to call the Risk Management chargeback team directly. I communicated with them again and provided more information and was assured that they would re-open my dispute and to call back on XX/XX/XXXX to check and make sure that it was processed. This was to ensure that I would not be responsible for paying the disputed amount on my next credit card statement, since the dispute had been closed incorrectly. The dispute was closed because the merchant, XXXX, fraudulently claimed that they had provided me with the means to return the product and that they were waiting for the product to arrive before fixing the issue. XXXX has not been in contact with me since the dispute, except to offer a warranty for the washer. They did not send an offer of warranty for the dryer, or anything pertaining to the dryer. When I contacted the chargeback team on XX/XX/XXXX I was informed that they would not be re-opening my dispute despite the assurances that were made. They have no documentation showing that XXXX has done what they claim, and yet have decided on their own not to move forward with my dispute even though I purchased a product and did not receive it. This decision is unfair and harmful to my family and I. We used the credit card with Alliant with the understanding that we would be protected in such a situation, and have not been protected in the slightest. Alliant has chosen to protect the merchant rather than the consumer in this situation, while offering false assurances and information each step of the way. They accused me instead of helping me, stating that I was trying to keep the incorrect product and receive the original product as well. All I have tried to do is ensure that I receive the dryer I originally purchased, at the price I have already paid for it. A chargeback was the only option left to me that did not wrongfully cost me hundreds of extra dollars just to receive what I have already purchased, but Alliant has ensured that even this step has fallen short and that I will not receive a refund, the dryer, or anything except months of frustration and sunk costs. On XX/XX/XXXX, I was further informed that I should contact the Member Services of Alliant and that they would be able to help mediate between myself and XXXX, hopefully bringing a resolution that the chargeback team was unwilling to continue pursuing. However, Member Services made it clear that this was incorrect, and that they have no means of helping me and so I needed to go back to the chargeback team once again. On XX/XX/XXXX, a charge was posted to my credit card for a washer/dryer combo set ordered directly from XXXX 's website. On XX/XX/XXXX, a delivery was made but the incorrect product was received. I contacted XXXX, and was told to accept the delivery and that they would locate my product and swap them out. But the next day, I was informed that XXXX has no such program in place and would be unable to send us the product that we had ordered. They refused to send it to us, and said we would have to purchase it again to receive it. The retail price had increased, since we had purchased it at a promotional price. To get a refund, I would have to send back the wrong product ( which is fine ) but according to their return policy I would need to pay a restocking fee since the product was not defective or damaged. In the end, I would be paying hundreds of dollars to make up for XXXX 's shipment mistake, just to be able to receive the product I had ordered and paid for but was not given. And so, on XX/XX/XXXX, I filed a dispute with my credit card company, Alliant Credit Union. Having communicated with them several times and providing them with information and documentation, I was ensured that the process would be smooth ( even though it would take some time ). However, I received notice that my dispute was suddenly closed. on XX/XX/XXXX, and that I needed to call the Risk Management chargeback team directly. I communicated with them again and provided more information and was assured that they would re-open my dispute and to call back on XX/XX/XXXX to check and make sure that it was processed. This was to ensure that I would not be responsible for paying the disputed amount on my next credit card statement, since the dispute had been closed incorrectly. The dispute was closed because the merchant, XXXX, fraudulently claimed that they had provided me with the means to return the product and that they were waiting for the product to arrive before fixing the issue. XXXX has not been in contact with me since the dispute, except to offer a warranty for the washer. They did not send an offer of warranty for the dryer, or anything pertaining to the dryer. When I contacted the chargeback team on XX/XX/XXXX I was informed that they would not be re-opening my dispute despite the assurances that were made. They have no documentation showing that XXXX has done what they claim, and yet have decided on their own not to move forward with my dispute even though I purchased a product and did not receive it. This decision is unfair and harmful to my family and I. We used the credit card with Alliant with the understanding that we would be protected in such a situation, and have not been protected in the slightest. Alliant has chosen to protect the merchant rather than the consumer in this situation, while offering false assurances and information each step of the way. They accused me instead of helping me, stating that I was trying to keep the incorrect product and receive the original product as well. All I have tried to do is ensure that I receive the dryer I originally purchased, at the price I have already paid for it. A chargeback was the only option left to me that did not wrongfully cost me hundreds of extra dollars just to receive what I have already purchased, but Alliant has ensured that even this step has fallen short and that I will not receive a refund, the dryer, or anything except months of frustration and sunk costs. On XX/XX/XXXX, I was further informed that I should contact the Member Services of Alliant and that they would be able to help mediate between myself and XXXX, hopefully bringing a resolution that the chargeback team was unwilling to continue pursuing. However, Member Services made it clear that this was incorrect, and that they have no means of helping me and so I needed to go back to the chargeback team once again. Upon speaking to the chargeback team again, I was told they would not be helping me any further and that I would need to contact XXXX and handle it with them even though XXXX had already refused to replace the incorrect product. I would be subject to whatever fees and stipulations XXXX decides to charge me, if the product was allowed to be returned at all. Although the chargeback team originally stated that they would re-open the dispute if I returned the product, I asked for clarification and was informed that there was actually nothing else they would be able to do. In that sense, they were taking the side of the merchant by offering me protection that they had no intent of following through on, and using that offer of protection to get me to pay hundreds of dollars in fees and added cost thinking that I would be covered when I would, by their own admission, be left to handle it and pay for it all on my own.
11/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • VA
  • 22655
Web
I was in the process of pulling up my account online to make my monthly mortgage payment on a XXXX home I purchased in Florida when I noticed my payment went from roughly {$1200.00} per month to over {$2900.00}. The loan was initially through XXXXXXXX XXXX and transferred to Alliant Credit union which apparently is serviced by XXXX or XXXX. I immediately contacted the XXXX to inquire why my payment increased so much and it must be a mistake. This was roughly the week of XX/XX/XXXX. The person I spoke to said that it was due to an escrow shortage of over {$10000.00}. I was flabbergasted as I didn't receive anything at my home address indicating there was a shortage. They post online statements but no other correspondence. I said there must be a mistake as I have owned many previous properties and no taxes have ever gone that high. They indicated that if I call the county in which the condo was located and provide them with a tax bill, they would correct the escrow. I then reached out to the County and they indicated there is NO tax bill for XXXX as XXXX paid the property tax for XXXX and it was possible that I may not even get a tax bill for XXXX since the property has not yet been appraised. So they said they couldn't provide anything in the form a bill to satisfy XXXX 's request as there was no tax bill. With this information, I contacted them again the week of XX/XX/XXXX and told them what I found out. They asked me if I had access to a computer so that I could pull up the tax ID they had for my condo. I pulled it up with them and it showed the entire property owned by XXXX which was an acre parcel of land opposed to XXXX of a condo unit. I explained I only owned 1 of the 12 and the tax on the computer was for the entire piece of land. XXXX indicated that they would not change the escrow amount unless I could get something from the county indicated there were no taxes due. They also stated if I could get the information over, they would recalculate my escrow. I again, called the county and explained what was going on, they also were at a loss for words as they have never heard of this happening before. I proceeded to get a letter from them that indicated there was nothing due and taxes were paid by XXXX for XXXX and they also provided information to show what a finished condo ( exact same ) was being taxed. I provided over XXXX pages of documents via email on XX/XX/XXXX to show everything from letter from the county to a copy of the parcel and the subdivided units and my personal tax ID which was different than the one they pulled up early which was the entire parcel of land owned by XXXX. In the email I asked them to acknowledge they have received the email, the did not. Later that week, I called to confirm they actually received my documents. The rep I spoke to stated they did receive those documents. I asked if they have now recalculated the escrow she stated they did not and wouldn't until XXXX or XXXX. I told them that the previous person I spoke with said they ( XXXX ) would recalculate the escrow as soon as I sent in the info. Upon hearing they wouldn't even look at it again until XXXX or XXXX, I asked to speak with a supervisor. The Supervisor was not very helpful but did say the would recalculate the escrow by XX/XX/XXXX and would send a letter. To date, 10 days later, still no letter from XXXX indicated what they were going to do. I also just asked them to cancel the escrow when I discussed with the supervisor. I called back today to see today if they completed a reanalysis of my escrow. They stated they the complete the analysis and still won't change the amount to the exact same size condo down the street. I then asked if they have started the process of refunding my escrow account. She indicated they denied my request as I didn't have flood insurance on my property. I indicated I did have flood insurance as apparently they assigned me a flood insurance policy even though I had one through our XXXX XXXX. Apparently they sent a request to my condo address which we do not reside in and never to my home mailing address. So I told the representative today that I have the policy in front of me so that wasn't a valid excuse not to refund my escrow. She indicated that I needed to speak with the insurance department. I spoke to them and they said if I could send a copy of my current policy over today, within 5 days they will cancel my insurance policy they placed at {$1500.00} and my escrow. I don't believe this will happen as nothing seems to get done and if it is, it isn't communicated. They are requiring me again to pay over {$2900.00} for my XXXX payment which is over 2.5 times my usual payment for a mistake in which they are unwilling to rectify. I can not simply pay my usual payment ( before the escrow debacle ) as their system will only allow me to pay the full improper amount. So I am either forced to struggle through 2 months to come up with enough money to satisfy their full payment or face being delinquent which I have never done in my life. In the many people I have spoken with in this organization only XXXX of about XXXX people seemed to actually care and understand what they are putting me through. I more than likely will be forced to take a higher interest loan in order to pay this mortgage off to get with a reputable lender. I typically don't file or write complaints but I am doing this because I worry there are others out there that this is happening to through this company. I have read the reviews about XXXX online and they certainly aren't flattering.
11/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • IL
  • 61704
Web
Complaint ABOUT ( 2 entities ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Fax : XXXX XXXX XXXX Alliant Credit Union XXXX XXXX XXXX XXXX XXXX, IL XXXX FAX : XXXX XXXX XXXX Customers harmed : XXXX XXXX XXXX XXXX , co-borrowers on an Alliant used vehicle loan to purchase the lease-expired XXXX XXXX XXXX that we have had since its 14th mile in XX/XX/XXXX. We first leased this vehicle from XXXX in fall of XX/XX/XXXX, a three year lease which meant it came off lease in XX/XX/XXXX. Late XX/XX/XXXX, we started working with XXXX XXXX XXXX ( XXXX ) to purchase the vehicle. Mid-XX/XX/XXXX we started working with Alliant Credit Union ( ACU ) to finance the vehicle purchase. Its been downhill from there. Our existing rate on the loan is 3.74 %, but we are being threatened with a 24.000 % Punitive rate by Alliant Credit Union over issues with the vehicle title. Chronology is below, we have been very proactive and engaged since the beginning in doing our part to fulfill the title transactions, but problems on both the XXXX and Alliant ends have us 120+ days in without the title processed. XX/XX/XXXX Receipt of XXXX paperwork, returned by us XX/XX/XXXX and received at XXXX on the XX/XX/XXXX. This mailer included all signed directives regarding the title. XX/XX/XXXX Alliant sends us their paperwork, returned by us XX/XX/XXXX. This mailer includes all signed directives regarding the title. Their letter to us states : After your packet is delivered to us, we will send you an email to confirm that weve received it. If you dont receive a confirmation email from us after one week XX/XX/XXXX We receive our end of sale XXXX mailer, which their cover memo indicates it is the final paperwork on their end of our vehicle purchase transaction. This includes a Bill of Sale, that shows amongst other things the Sales Tax paid in the transaction. XX/XX/XXXX Having heard nor seen anything from ACU on their end of the transaction at all ( besides their automated withdrawals of our loan payments ), we begin the first of MANY contacts by us to them inquiring as to the status by Secure Messaging in their app., by phone call, by fax, and by regular mail. ACU does not meaningfully or substantively respond to any of these. XX/XX/XXXX XXXX mid-XXXX transaction with our states Department of Motor Vehicles ( DMV ) to renew the expiring license plate sticker and vehicle registration is rejected due to titling issues. This is the first time and first notice to us that there is a problem. She then spends hours visiting the DMV, calling XXXX, and calling ACU to research. She follows ACU Lending Manager XXXX XXXX instructions to the last detail on what form is allegedly needed from XXXX to resolve. XX/XX/XXXX - Upon receipt of the XXXX paperwork that ACUs XXXX stated was required to complete this titling, XXXX visits the DMV and is again rejected. She again spends multiple hours talking with the DMV, calling XXXX, and calling ACU. Allegedly per ACU, XXXX indicates XXXX will not release the title over unpaid sales taxes. ACU Title Services telephones XXXX back on XX/XX/XXXX and indicates they and XXXX have spoken and this should be moving forward. XX/XX/XXXX We receive a form letter First Notice from ACU dated XX/XX/XXXX threatening us with the punitive 24.000 % interest rate on our loan. XX/XX/XXXX We receive a call from ACU Title Services asking if we want them to ship us the final paperwork including Title, for the DMV completion of the transaction. We affirm we would appreciate this, and receive said mailer on XX/XX/XXXX. We take the paperwork into the DMV on Friday, XXXX and are told by the DMV that XXXX requested a new title in their name on XX/XX/XXXX, so the title ACU sent us is null and void. XX/XX/XXXX We fax both XXXX and ACU with the current status, that is unable to move forward with DMV until the new title that XXXX requested on the same day ACU sent us the existing title is received. XXXX XXXX We receive an ACU letter dated XX/XX/XXXX indicating our rate will move to 24.000 % onXX/XX/XXXX. The letter is signed Member Engagement Office and is in response to both our XX/XX/XXXX Complaint to their CEO and our XX/XX/XXXX fax about the latest title problem. It is the first and only written correspondence from Alliant on this entire matter, besides the canned First Notice received in XX/XX/XXXX and the overnight package with the now unusable title. Alliant Credit Union issues : 1. Lack of engagement, lack of responsiveness to our multiple contacts and complaints. We should have known before XX/XX/XXXX and the messenger ought not to have been the IL DMV that there was a problem. 2. Mis-information from their Lending staff on what was/was not needed to address this issue and resolve it. XXXX XXXX XXXX issues : 1. Erroneously withholding critical documents over unpaid sales taxes when they had two months prior sent us final documents including Bill of Sale signing off on Sales Taxes paid. 2. Requesting a brand new title in their name on XX/XX/XXXX, despite their above-mentioned final transactions paperwork dated XX/XX/XXXX.
11/09/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • AZ
  • 85254
Web
I joined Alliant Credit Union in XX/XX/XXXX after an awful experience with a " big bank. '' I chose them mainly because they were at the top of the Consumer Reports list of " Best Credit Unions '' at the time. For over a year, my relationship with this bank was excellent. They treated me as a real person, not a number, and were aware that I was XXXX and living off of monthly XXXX checks. I was told from the beginning that I was enrolled in the bank 's " courtesy pay '' program, but I was never told there was a fee for any such service, or else I would have never enrolled. Since I am living on a limited income, there were times when my balance at the end of the month was close to XXXX, or I would even be overdrawn {$20.00} or {$30.00}. I understood that Alliant just paid these small fees as a " courtesy '' since they knew that my U.S. Government check would be in my account on the XX/XX/XXXXof each month. Unfortunately, while being XXXX and having to spend a lot of time concentrating on my health, hospital visits, etc. I did not notice until just recently that my credit was awful. And, with that, I did have, from time to time, fraudulent charges pop up on my checking account. I had alerted the Bank to this possibility from the start, and they reassured me that my account was safe, and I would never be " dismissed '' as a client for this reason. ( This is why the " big bank '' fired me, and it was a nightmare. '' I've had at least 3-4 different bank cards in my time with Alliant and was always sent a replacement promptly after reporting the fraud. Also, I was given a provisional credit, which always became a permanent credit after investigation. This summer, I felt a change in the bank 's attitude towards myself, which I thought I imagined. It began in XX/XX/XXXX when I had to report an instance of fraud for the first time in quite a while. The representative had an attitude upon taking my report over the phone, sighing heavily and telling me that I " couldn't keep doing this. '' I had no idea what he was referring to and asked what he meant by that statement. He completely ignored me, and all I could hear was typing. I was told to shred my existing bank card, and I would be sent another immediately. In the past, I always received my card within 3-4 days. On this occasion, it took over three weeks ( 24 days ) to receive my card. I was distraught on that occasion as I did not have money to pay for literally anything. Not food, not the medications on which I am dependent until I was forced to ask a friend for money. Of course, I received enough money to pick up my medication, and thus avoid a trip to the emergency room, as well as money for food as I had not eaten for days at that point. I called Alliant daily and was told repeatedly that my card had shipped ( different shipping dates were always given. ) That was a terrible experience, which I hoped was a one-off. Unfortunately, I was incorrect. I checked my balance at the end of XX/XX/XXXX and was outraged to find that my account was overdrawn by {$530.00}!! As you can see from the attached statement, {$330.00} of which was due to " courtesy pay fees. '' I admit that {$110.00} of this {$530.00} was due to a problem with my mobile phone carrier 's autopay program, which was to debit my account on XX/XX/XXXX, and instead was presented for payment on XX/XX/XXXX. I was charged {$330.00} in fees for, excluding the phone bill, charges for less than {$5.00} apiece. I had NOT even incurred such a fee even when being overdrawn in the past. An example of which is attached to said complaint. I immediately contacted the bank via their internet email ( the only form of contact given after hours ) and complained about this sudden " fee '' from nowhere. The representative responded that it was in my contract with the bank, which is true, as I found out while researching today ) but had never applied to me for whatever reason. I explained that I was on a limited budget and could not afford {$330.00} in fees. In the act of what was probably considered " extreme generosity, '' she refunded 3 {$28.00} payments. I appreciated the {$80.00} or so, but I really need the rest of those fees back. It seems unfair to suddenly start charging a fee, even if Alliant COULD have charged such a fee during my entire membership but did not enforce the said rule. And now, just as I was down to {$200.00} in my checking account before paying for my medication, I received yet another fraudulent charge for {$160.00}, which was just about the total amount left in my account. I filed another fraud complaint and was assured that an expedited bank card was on its way, but I have an immense fear of that happening. due to my last experience, I'm not sure I can count on provisional credits anymore. If I do receive said credit, I don't know exactly how I will pick up my medications, one of which costs {$100.00}, and still feed myself on {$170.00} ;
01/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 78114
Web
On Thu, XX/XX/XXXX, XXXX PM, {$820.00} was fraudulently charged to my Visa Signature card issued by Alliant Credit Union. Minutes later, at XXXX XXXX I called the number on the back of the card - XXXX - to report fraudulent charges on my account and get my credit card reissued under a new number. My request was accepted, the existing card was cancelled, and - allegedly - the fraudulent charge was marked as such. Just to have a paper trail of the communication, I also sent a secure message to Alliant Credit Union the same day at XXXX- where I indicated which transactions are fraudulent. To confirm that my fraud report is being processed, I also made another call - on XX/XX/XXXX at XXXX XXXX - to ensure that the fraudulent charge is in fact being disputed. The representative confirmed that the charge is being disputed and there's nothing I need to do. In the meantime, on XX/XX/XXXX XXXXXXXX XXXX, Alliant Credit Union responded to my secure message, and provided a generic no-answer to my written fraud report : " Even though you have reported fraud on some of those transactions, you may still see them on your transaction history while the claims are being processed. '' This is clearly a copy-pasta please-go-away response and Alliant didn't bother to even check on the dispute status. Unfortunately, it turned out Alliant didn't dispute the fraudulent transaction I had reported 3 times to them already. On XX/XX/XXXX, a credit card statement was issued where the fraudulent transaction appeared on the statement as normal, and was not present in the " in dispute '' section of the statement, indicating it was NOT in dispute. I'm on the hook for this transaction. I immediately contacted Alliant via secure message and sent them : " I just received a statement of my Visa Signature card. The transaction I reported as fraud - XXXX {$820.00} - is listed on the statement, and not marked as " in dispute '', and you're asking me to pay for it. I do not accept this. Please fix the statement and flag this transaction as fraud/in dispute as it should be, and modify the balance due. I'm very unhappy how you handled this. I've used many different credit cards and it's the first time my fraud report was totally ignored- even though I called twice to make sure the transaction is disputed, and even left a message. This is unacceptable. '' I also called Alliant at XXXX, spent 50 minutes on the phone with them on XX/XX/XXXX at XXXXXXXX XXXX They're telling me it's actually a third party company that's in charge of their credit cards, and they're telling me to contact them, and that they have no record of the dispute. That said, I had already contacted this unnamed third party company by calling the number on the back of the card, and they said the transaction was in fact " in dispute '', but they have no control over that's shown on the credit card statement and what statement balance is due, and I should be talking to Alliant directly. They're both playing ping pong with them. On XX/XX/XXXX XXXXXXXX XXXX Alliant responded in writing via secure message : " The dispute has been received and is not being ignored. All transactions are automatically transferred to the new Visa card during the account transfer process. Even though you have reported fraud on some of those transactions, you may still see them on your transaction history while the claims are being processed. '' And again, I was sent a go-away response. If my dispute was really received, and not ignored, they would have corrected the statement, they would have marked the transaction as in-dispute on the statement, and would have lowered the statement amount due by the amount of the fraudulent transaction. However, at the moment of filing this complaint, XX/XX/XXXX, they've taken no action to resolve the issue, and I'm still asked to pay the whole statement balance, including the fraudulent transaction amount. They're playing ping-pong with me. At this point, I've exhausted all the amicable ways to resolve this issue and must resort to filing this complaint.
03/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • TX
  • 77386
Web
Alliant credit union accessed my credit card account without authorization on XX/XX/XXXX and made a forced payment of {$1200.00} from my payment account with XXXX XXXX XXXX into my alliant credit card account to pay off part of my balance, without my consent knowledge or authorization. Prior to this I had been making minimum payments as authorized by CARES act from XXXX to XXXX. ( Pls see attached documents ) .I had earlier applied for covid-relief help in payment from alliant credit union and was informed It was granted and was making minimum payment ( amounts above my monthly interest charges ) as allowed by CARES act and informed alliance that my business was still affected by the covid closure, hence the minimum payment.After unauthorized {$1200.00} payment, I contacted alliance credit union who informed me they were trying to withdraw in one cumulative payment, all the amounts that I could not pay due to been granted covid-relief in payment. I informed them this was wrong as it violated CARES ACT established By the government to help see consumers through the hardship imposed by covid, but alliant refused to listen or reverse the {$1200.00} unauthorized payments, violating my government-granted right through CARES act to make minimum payments, as well as my consumer right to be the only one with access to operate and make payment into my credit card account, granted by the fair credit act. Consequently I was forced to report fraud to XXXX XXXX XXXX whom I had setup as my paying bank, from which the credit card payment was paid by Allliant credit union, who instantly reversed the payment in 2 business days. To my surprise instead of Alliant investigating my complaint including the reported fraud and unauthorized access to my alliant credit card account, Alliant went ahead, closed and charged-off my alliant credit card account as unrecoverable debt and that despite my making minimum payments till XXXX XXXXfor my exercising in good faith my rights under consumer credit protection actby pointing out unauthorized transaction and fraud in my account, and asserting that financial institutions are mandated by CARES act to assist and with consumer who are able to make minimum payments as part of Covid mitigation measures and not report these consumers to the credit bureaus as late in payments but Alliant credit union disregarded and violated government COVID act, and in retaliation against me for exercising my consumer rights, went ahead and reported that My credit account had been negative in payment history this past four months, even though I had made minimum payments from XX/XX/XXXX up till XX/XX/XXXX as allowed by CARES act ; not only that, but Alliant credit union instead of investigating my valid fraud complain in my credit card account, also went ahead and charged-off my credit card and reported this to all credit bureaus, after I had pointed out that there was a fraud and unauthorized payment of {$1200.00} into my alliant credit card. This act is discriminatory to me and would not ordinarily happen to other races in our society, but was specifically targeted to me and my business, being a people of XXXX, to intentionally deny me and my business good credits for the next 7 years, for which this unjust negative report will appear on my credit history, and I am asking the consumer protection agency to act now and put a stop to this discriminatory act in lending against people of XXXX in our society during this severe Covid epidemic by holding reported financial institutions Responsible for failure to implement CARES act as outlined by the government of the United States, as well as hold them responsible for violation of government CARES act as well as my consumer right, and all these carried out by Alliant credit union. I also ask that consumer protection come to my aid and help correct the wrong against me and my credit report, by mandating Allliant credit union to comply with CARES act and remove the unjust and illegal charge-off report from my credit report made to the credit card bureaus.
10/19/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • DC
  • 200XX
Web
Note : This is a joint account held with my wife, XXXX XXXX who knows we are filing a complaint with the CFPB. On XX/XX/XXXX an un authorized charge appeared on our card ending in XXXX and because of this, we had to close this account number and have the cc company reissue a new card with an account number of XXXX. We had an outstanding balance of authorized charges that were not accruing interest, as we always pay this card in full to avoid interest. On XX/XX/XXXX the credit card company moved the outstanding balance from the old account to the new account number. However, they did this as a " BALANCE TRANSFER FOR ACCT ENDING IN XXXX '' The amount due for payment due then showed as {$0.00} -so no amount due. This continued for over a week. On the payment due date of XX/XX/XXXX I logged into the account to attempt to make a payment. I selected " Pay Now, '' however, the payment page showed no statement balance and no payment due. The only way I could have done a payment would have been to make an additional payment and then find the paper statement to see the statement balance from the XX/XX/XXXX statement and make that payment, however, since I didn't have that information at hand, and since the account was stating that there was no payment due, we did not make a payment. On XX/XX/XXXX there was a charge of {$120.00} for " Interest Charge on Purchases '' there was another charge on XX/XX/XXXX of {$27.00} for " LATE FEE '' On XX/XX/XXXX I noticed these two charges and we called the credit card company on XX/XX/XXXX to talk to them about this and that this wasn't right. I asked that they reverse the late fee and the interest charges and that they ensure that there are no interest charges moving forward due to a late payment. The agent I spoke to agreed that this shouldn't be our fault, and that she could see that we had logged on to the account on XX/XX/XXXX as I stated. She spoke to a manager. After speaking to this agent for more than 20mins, she couldn't tell me the statement balance for XXXX and her manager didn't come on the line and she was told to convey that they couldn't do anything for us until we made a payment. I asked how much was due, and they could only tell me the minimum amount due of {$120.00} that was due on XX/XX/XXXX ( I again asserted that their own online payment portal showed XXXX balance due ). I stated that we had always paid this account in full each month to avoid interest and didn't want to pay the minimum amount due, however, they couldn't tell me the XXXX statement balance. I told them that I would find the amount due from the XXXX statement by going online and pulling the paper statement from my account. The agent advised that once I made the payment, I could call back and then I could ask them to reverse the Late Fee as well as the Interest, and that I'm allowed up to three waivers of interest each year. However, the problem is, that this isn't my fault. Being told we didn't have to make that monthly payment we made investments with that money and will now have to find other sources for this payment that we were told we didn't have to make in XXXX. Additionally, other than the agent stating this " isn't your fault '' they have put the onus on us to fix this, and their solution won't make us whole : 1 ) We will have to suddenly make a payment we were told we didn't have to make. 2 ) We will have to reach back out and ask them to reverse the Late Fee and the interest charge ( and any future interest charges on current purchases ), each time having to ask them for this, taking up our valuable time, and with no guarantee to actually reimburse us for charges incurred or to be incurred. 3 ) We will have to use up our courtesy fee waivers even though these aren't our fault. 4 ) We are afraid that this late payment has been sent to the credit bureaus and will adversely affect our credit rating. We need your help. Thank you!
06/12/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NJ
  • 07011
Web Servicemember
Notice to Principal is Notice to Agent Notice to Agent is Notice to Principal. Silence is acquiescence. Acquiescence is estoppel. BILLING ERROR NOTICE I, a natural living man, sent you the indorsed payment coupon ( s ) ( negotiable instrument ) for set-off of account number ( s ) XXXX XXXX XXXX via XXXX XXXX Mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of XX/XX/XXXX, you have not performed your fiduciary duties which constitutes breach of contract, breach of fiduciary duties and violation of securities. Ive recently become aware that the detachable coupons attached to the billing statement that you send me as a bill, are a form of payment. Ive noticed that you send me these statements with the coupons on them and Ive been paying with notes, via web bank for various amounts. The payment is accepted and then you're redeeming the coupon/bond which is double dipping and getting paid twice. Moreover, as I mentioned earlier and you may have noticed, Ive indorsed the back of the coupon as the beneficiary on behalf of the principal enclosed with specific instructions to set-off the account ( s ) which you have not completed. The Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) prohibits businesses from refusing payment in non-cash forms such as checks, money orders, coupons or vouchers. If my tender of payment is refused then by law the billing statement is void ; EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256 If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum. Your failure to perform your fiduciary duties to set-off the account ( s ) now constitutes a billing error. These billing errors may be assumed to be a willful intent on misleading and or deceiving the consumer and are violations of 15 USC 1692e ; 16 USC 1666d ( a ) ; 12 CFR 1026.13 ( 4 ) ; Generally Accepted Accounting Principles ( GAAP ) ; U.C.C. Article 3 ; TILA Act ( Regulation Z ). SPECIAL INDORSEMENT NOTICE In Accordance With U.C.C. 3-205 ( a ) Be it Known : The XXXX return receipt ( s ) returned to me is evidence of a Common Law-contract between us that has been breached under the Postal Rule also known as the mailbox rule. Enclosed is the copy of indorsed remittance coupon for accord and satisfaction of the obligation due. As to the Declared intent or purpose of this negotiable instrument ( U.C.C. 3-104 ) is a Tender of Payment in accordance with U.C.C. 3-603 as a special deposit order of the Agent/Beneficiary/Surety to be credited to the Principals depository account ( s ) for settlement and set-off for each and every billing cycle. This tender of payment will be against the obligation of the United States ( 18 USC 8 ) or assigns for settlement to that part of the public debt due its Principles and Sureties, once delivered to Recipient. Holder has accepted this payoff legal tender as full set-off of claimed debt and settlement under FRCP Rule 8, The Administrative Act of 1945 ; U.C.C. 3-603 ( b ). The presentment of the negotiable instrument is in accordance with U.C.C. 3-419 and 3-311, Bill of Exchange Act ; HJR-192 of 1933 and Public Law 73-10. This communication will be my last good faith attempt with providing you an opportunity to cure your default and perform your fiduciary duties as trustee. If the credits are not applied to the principals account within three ( 3 ) days and my instructions are further dishonored, I will be forced to write a petition to the Judicial District Court for equitable relief due to Breach of Contract and violations of U.C.C. Article 3 ; 16 USC 1666d ( a ) ; 12 CFR 1026.13 ( 4 ). I look forward to your prompt response and cooperation. Without frivolity, ill will or vexation.
06/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 20155
Web
I recently opened a credit card chargeback request of a transaction I made through Alliant Credit Union to a XXXX XXXX XXXX. I hired XXXX XXXX XXXX to do a pool renovation, and the job ceased due to XXXX breaching their contractual obligations and then walking away from the job. The contract between XXXX XXXX XXXX and me was to include thorough plaster prep. Plaster prep was to include chip out around fittings, acid washing the old plaster surface, chipping out under tile line, and lastly apply bonding agent on old plaster prior to new plaster installation. This was an agreed {$2000.00} itemized cost, {$1500.00} for prep and {$500.00} for XXXX XXXX. None of the wording in the agreement was debatable as to the work that was agreed to be done. Day one of preparation work, I am informed by XXXX XXXX XXXX that no chipping or grinding out under tile would be done due to risk to tile being damaged, this was the first I am told specific work wouldn't be performed. By not performing this cutting and chip out under tile is a material breach of contract from what was originally agreed upon. XXXX XXXX XXXX agreed that this needed to be done prior to showing up and then refusing to do the work in order to save time and money. For the cost incurred to prepare my pool for new plaster, this should have been brought to my attention before the day of. Also, the sub-contractor doing the preparation work informed me that he was instructed from XXXX XXXX XXXX to not do an acid wash. XXXX XXXX XXXX construction manager proceeded to tell me that no acid washing needed to be completed because the surface was " clean enough and wasn't green from algae, '' and only pressure washing was necessary. Skipping this step of thorough acid washing is not acceptable and another breach in contract. By not having a solid bond between new and old plaster creates risk of future damages, and not something to be risked for such little labor involved. To remedy objections, the construction manager used less than a single jug of acid, and did a superficial, sub-par, job of acid washing. By using less than a single jug of acid it did not sufficiently etch the surface material. XXXX XXXX the material I received which is used to bond old plaster to new was not used manufacturer guidelines. The product applied to my pool was very watered down and will not function as intended. The reason I had to initiate a chargeback is due to the breach in contract from XXXX XXXX XXXX and their failing to perform contractual obligations. Contract was breached when no chipping out under the tile as per the contract, doing a sub-standard job of acid washing, and not applying the XXXX XXXX to the manufacturers specifications. All reasons lead to services not rendered correctly or satisfactorily. Because XXXX did the prep work incorrectly, I was not able to get a warranty from a new plaster company. Alliant Credit Union refused to push a chargeback to Visa. I was not giving a solid answer, but it seemed that the burden of proof was put solely in my hands, yet no pictures of the work was allowed as evidence on my behalf. I am being forced to resort to not paying a credit card bill and going to collections because a creditor doesn't want to help with a large purchase. Because a partial refund was offered from XXXX XXXX XXXX, a figure that I do not agree with, Alliant feels they can wash their hands of this matter instead of helping the consumer. I have given my side of the story to Alliant as I have done here, telling of clear contract breach, and yet that isn't good enough for Alliant to take action.
12/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • MA
  • 011XX
Web
Alliant Credit Union engaged in a bait and switch scheme which lured me to spend more money with their card and ultimately cost me ~ {$300.00} in cashback over the span of the last year. Several years ago they advertised a XXXX card with the following terms : 3 % unlimited cashback for 1 year then 2.5 % unlimited cashback in all years thereafter. When I signed up ( several years ago ) most Internet forums indicated that Alliant 's was the best unlimited Cashback rate in the nation ( the next best unlimited cashback card was 2 % ). Note : Alliant 's ( XXXX based credit union ) has been in business for many years but but this marketing campaign made them famous nationwide. Prior to this aggressive campaign I had never even heard of Alliant Credit Union. Then, in the summer of 2021, Alliant changed their rewards program and cut their Cashback rate ( by 40 % ) to 1.5 % unlimited. I did not discover/understand this policy change, until today and as a consequence I continued to make ALL of my purchases on Alliants credit card ( roughly $ XXXX in purchases ). Had I known I would have stopped using this card and used a different credit card with better unlimited rewards. ( I also have a 2 % unlimited card- XXXX XXXX XXXX which I would have used instead ) When I contacted Alliant today XXXX the representative confirmed the cashback rate had changed from 2.5 % to 1.5 %. They also stated that Alliant Credit Union had previously communicated changes to the rewards program to all customers by US mail and by email. They said that unfortunately I was not entitled to any additional cashback. I want CFBP to investigate Alliant Credit Union because I think that many customers are likely being deceived by this program change. I also think that Alliant is failing to perform due diligence and is profiting off of a bait and switch. For example Alliant should have known that their original rewards program would ( specifically ) lure-in many customers with exemplary credit who were seeking the best unlimited rewards. They should know that 1.5 % is not nearly as competitive for cashback seeking customers with excellent credit and that they are effectively getting a windfall of additional profits from creditworthy customers without earning it. If any former customers simply continue their old spending habits without noticing the changes- as I did then Alliant nets an extra 40 % in profits related to their cashback. Customers who signed up ( when I did ) were likely only using this credit card due to the exemplary cashback rewards. Alliant should have expected that most of those customers would ( at least ) change their spending behaviors or possibly stop spending on the card altogether once they understood the impact of the changes. The fact is, that I signed up for this credit card when the cashback rate was far above the market average and I did not change my spending behavior when they moved the cashback rate 40 % lower. If the company was doing its due diligence, then it ought to have considered this as a potential red flag that I didn't understand the new terms and Alliant should have sought out my INFORMED consent. I am not suggesting that every change to credit card terms requires informed consent but I think that it should be required in certain cases when the changes are likely to have a significant impact on the consumers- such as a 40 % decrease in cashback on a card that was marketed as the nationwide leader in cashback.
10/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90019
Web
On XX/XX/2022, I bought two XXXX ( XXXX XXXX ) airline tickets thru XXXX for {$1500.00}. XXXX has an explicit change of flight policy that allows for me to change my ticket for about XXXX XXXX. After buying the ticket, about 1 month later, I needed to change or cancel my flight. XXXX 's phone lines, the only way to reach the airline ( there is no email ), failed to work for two months+. I provided photo proof of this with phone records and a XXXX XXXX with the official XXXX account where they state that they are having phone problems, and that XXXX can not change my ticket. XXXX also has an online portal to change my ticket, and that, similarly, did not work. XXXX told me I had to get in contact with XXXX and that they ( XXXX ) can do nothing about my tickets, either. As it turns out, there is no XXXX airlines at XXXX, the airport I flew out of. The date of the flight arrived ( XX/XX/XXXX ) and I got an email from a completely different airline with a completely different " change of flight '' and " no cancellation '' policy stating that my " flight with XXXX is just around the corner! '' At this point, I contested the {$1500.00} charge with my credit union, Alliant Credit Union, in early XXXX. I submitted 14 screenshots of evidence detailing the XXXX change of flight policy, my attempts to change my flight, my inability to do so, as well as my unapproved booking on some other airline. I showed evidence I did not agree to be booked with XXXX and only agreed to XXXX, nor was I ever told anything about this. Alliant claims to have done an investigation and came back saying to me that the merchant rejected my claim because of a no cancellation policy. Not only does Alliant 's response not address any of my core reasons for contesting the charge, but XXXX 's " no cancellation '' statement is demonstrably false with a simple XXXX search. On top of that, I talked to 5+ representatives at Alliant and each time I did, I was told that none of this had been written down in my dispute. I had to repeat all of this info to multiple representatives all of whom claimed they fixed this. My comments may have never made it into the dispute in the first place. Regardless, it seems clear at this point that Alliant did not investigate, and they seem to have ignored all my evidence. It's as if Alliant either submitted my complaint to the merchant and did no investigation, or my info never made it into the dispute in the first place despite how many times I was told it was. On top of that, to this date Alliant has not addressed any of my concerns. XXXX is not the airline I booked with, not an airline that was mentioned when I booked, and XXXX XXXX change of flight policy was not honored. My repeated attempts to settle this with Alliant or XXXX XXXX have been ignored. Alliant representatives refuse to address any of this and simply say that the matter is settled. When I ask for an explanation, Alliant said simply " I was advised that once a claim is process for one reason and is denied XXXX can not go back to the merchant and dispute it for another reason. In order to refute the merchants denial you would need to provide documented proof that the tickets he purchased were refundable. " The refundability of the tickets isn't even the reason why I disputed the claim, but Alliant will not answer further questions. It seems evident to me that Alliant has ignored all of what I've said.
01/10/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • OR
  • 97303
Web Servicemember
I am aggrieved and concerned that Alliant Credit Unions ( ACU ) negligence and inconsistencies in informing me of their requirements for their XXXX XXXX XXXX XXXX has put me and my family in danger of foreclosure. In XXXX XXXX XXXX, I applied for the special forbearance program which provides options for homeowners that are facing the early stages of delinquency or have experienced short-term financial hardship as a result of the COVID-19 pandemic. I was informed that I was eligible for this program, and this program stated that no fees would be assessed and there would not be any negative credit reporting during the forbearance period. I confirmed this when my credit report showed on time payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite this, I soon began to receive automated calls daily from ACUs Collections Department inquiring about payment. In XXXX when I received a call from a ACU Collections representative who asked when I would be making my past due payments, I reminded them of my participation in the Covid Special Forbearance Program to which I was confirmed to be eligible for. To my surprise, the representative had no record of my eligibility. After further investigation with XXXX XXXX XXXX the representative informed me that I had been removed from the program because my signatures were digital and not wet signatures. I explained that not once did any representative inform me of wet signature requirements. On a later call I was informed I was never part of the program. I have completed all documentation twice, I have also now submitted this application for a third time, with all the necessary wet signatures, yet I have incurred three missed mortgage payments. I have now received notices of foreclosure and ACUs negligent process has put my family at risk of losing our home. As a result, I plan to pursue appropriate legal remedies in order to protect myself and my family from the detriment caused by ACUs negligence and inconsistent approach in helping me and other homeowners seeking the XXXX XXXX XXXX XXXX. I am also deeply concerned that I may have been discriminated against considering the fact I was led to believe I was in the XXXX XXXX XXXX XXXX and then finding out I wasn't and now I'm on the verge of losing my home. Also, I just received a update on my application today XX/XX/XXXX that it is still incomplete requesting signed copies of my tax returns even though I already provided them wet signature copies of my tax returns days ago. The documentation informed me to contact my single point of contact which is my underwriter, there was a phone number with a extension. I called the number and spoke with the ACU representative who informed me they can not transfer me to my dedicated single point of contact because they are extremely busy. They did say it is not fair to me the customer when the documentation says I can reach out to my dedicated single point of contact. Again this is just another instance of negligence and inconsistencies of Alliant Credit Union 's process of handling those in need of assistance. Also, I know for a fact Alliant Credit union records all the conversations I've had with their reps as I'm prompted every time I speak with a rep and everything I'm saying in this response will come out in those conversations as well.
09/10/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • VA
  • 22191
Web Older American
I joined Alliant Credit Union in response to promotional advertising of a partnership between XXXX XXXX and the credit union. The promotion states after 12 months of consecutive {$100.00} deposits in a savings account, the member will receive a one-time deposit of {$100.00}. Enticing indeed, don't you think. I requested membership and began my direct deposits of {$50.00} bi-monthly ( per pay period ). As I approached the year, I became excited and started reviewing my account. When I noticed the deposit wasn't made, I contacted the credit union in May. That first customer service representative ( female ) stated the deposit would occur the following month, which would be the XXXX month of the consecutive deposits. When that did not occur, I again contacted Alliant and spoke to a male representative. At that time, he stated I was not entitled to the promotion deposit of {$100.00} because my deposits were prorated, I mentioned the website required a $ 100 monthly deposit without caveating the total amount was to be deposited in a lump sum of {$100.00}. I mentioned I met the criteria, sometimes exceeding the {$100.00} due to the timing of my pay periods. He mentioned he would elevate the inquiry to a supervisor, but I didn't hear back. In XXXX I again contacted Alliant via their messaging/inquiry system, and received yet another explanation for the follow-through. This time, I was informed of the requirement of the deposit commencing within 30 days of membership. I looked online at all of the promotional information regarding the 'savings challenge ' and didn't see that caveat. I looked on XXXX 's website as well as the credit union 's marketing regarding the offer. It took a second email and or follow up, for the clarification and 3rd denial of the promotional offer. The information regarding the 30-day time limit is not transparent on either website. It is not clear in the promotion by XXXX XXXX. It is not even in the FAQs. The 30-day limitation is stated in a footnote. Yes, a footnote. There is such a lack of transparence along with a tinge of deception, false hope and fraud. I responded to Alliant and stated I would bring this offer and process to the CFPB 's attention. I also recommended the 30-day be uncovered and stated as one of the FAQs. I will not benefit from this action, but I wish others to be forewarned of the stipulation. Saving in any matter is a good thing ; and more so with an incentive. However, a potential customer should be provided all the pertinent information to inform that decision. The credit union should have held itself to a higher standard. This practice is deceptive in nature and I request the CFPB hold them accountable. Based on the three different responses from three different customer representatives, I question the training and staff 's knowledge of the credit union products. In addition, I would also question when the caveat and/or time constraint were actually posted for the public. In other words, I question whether due to the volume of accounts resulting from the promotion, if the credit union decided to limit the incentive. Yes, I question the credit union 's integrity and business practices. I've attempted to provide the .url for the promotion I've referred to : https : //ww2.alliantcreditunion.org/ultimate-opportunity-savings
05/18/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • TX
  • 780XX
Web Older American
RE : Additional charges added to two loans without our knowledge or consent by this dealership. I have taken the steps to negotiate with this dealership unsuccessfully and they have refused a full refund of the undisclosed charges of " RV Complete Warranties ''. Adding " Additional charges '' to a loan without our knowledge or consent is not legal. I have read this through research and by talking to other well known dealerships. We purchased the RV from XXXX XXXX XXXX Texas on XX/XX/XXXX during the finance process the loan originator for our financing told us the lender etc and provided signature pages only not the full " buyers order '' we were never made aware there was a " buyers order ''. We were lead to believe we were signing loan documents on for XXXX XXXX XXXX XXXX IL. I spoke to XXXX on XX/XX/XXXX and they strongly suggested we file a complaint with the BBB as well as filing a complaint here. We did that file with the XXXX on XX/XX/XXXX. During the loan process were only provided signature pages. The dealership added " Additional Products '' to our loan without our knowledge or consent. Neither the sales person XXXX XXXX or the loan originator XXXX XXXX never shared information regarding " RV Complete '' we did sign forms included in the signature pages that said RV Complete and we thought it was services provided included in sales price. The total charges added to our loan without our knowledge or consent is {$12000.00} for this purchase. We left the dealership without any paperwork and did not receive any paperwork for several weeks after the purchase they arrived via US mail. To add to the issue we decided to take this RV back and trade for another before we discovered to charges added to the first purchase. They would not allow a trade only a consignment sale. At the time of the second purchase they repeated the process above and charged us an additional {$15000.00} to our second loan. They also made a very unethical comment to us they said " if the other lender called about the new loan to tell them the other RV was a boat '' which was a lie. We contacted XXXX XXXX @ XXXX a manager at " RV Complete '' to dispute these charges and actions. He refused to remove the charges. The total amount added to two loans and hidden from us is {$28000.00}. If we had decided not to keep the first RV and look at our payoff of the loan because of the deception during the process I am not sure we would have discovered the charges until much later. After much reseach and talking to other people who had puchased RV 's elsewhere with " warranty offerings '' that were disclosed I learned this is a regulated industry with protections to keep this from happening. We are in a business ourselves that services the RV Community and are regulated by the department of insurance in each state. We hold ourselves to the standards of the Department of Insurance. We are seasoned RVers and have never had anything like this happen to us in fifteen years during RV transactions. If we had been offered the " Additional Products '' would would have refused them. My concerns are if they were able to deceive us they have more than likely repeated this practice more than once. When researching XXXX XXXX on the internet it reveals their " Main Industry '' as insurance NOT RV sales.
10/29/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NC
  • 27707
Web
In XX/XX/XXXX I opened an Alliant Credit Union Visa Signature Card : XXXX XXXX XXXX The terms and conditions of the card to earn Tier 1 rewards ( 2.5 % cash back ) are very clear as published on their web site here XXXX XXXX XXXX Tier One Rewards. Earn 2.5 % cash back on your first {$10000.00} of monthly qualifying eligible purchases and earn 1.5 % cash back on your monthly qualifying eligible purchases above {$10000.00} made with your Alliant Cashback Visa Signature Card : Eligibility will be determined on a quarterly basis and be based upon the four calendar quarters of each year, segmented as : XXXX through XXXX, XXXX through XXXX, XXXX through XXXX, and XXXX through XXXX. In order to earn 2.5 % cash back on qualifying eligible purchases for subsequent quarters, and earn 1.5 % cash back on qualifying eligible purchases above {$10000.00}, the Primary Cardholder must : 1. meet the requirements for an Alliant High-Rate Checking account* each month of the preceding calendar quarter ; AND 2. maintain an average daily balance of {$1000.00} or more in their Alliant High-Rate Checking account for the preceding calendar quarter. For example, to receive 2.5 % cash back on your first {$10000.00} of monthly qualifying eligible purchases and 1.5 % cash back on your monthly qualifying eligible purchases above {$10000.00} for XXXX, XXXX and XXXX of XXXX, you must meet the requirements for an Alliant High-Rate Checking account and maintain an average daily balance of {$1000.00} or more in XXXX, XXXX and XXXX of XXXX. I have had an Alliant High-Rate Checking account for over 10 years and for at least the last 12 months I have met the requirements to earn the Tear 1 rewards. On my first statement, however, I earned only Tier 2 rewards ( 1.5 % cash back ). Upon contacting Allient Customer Service to get the issue corrected, I was told : " Hello XXXX, Than you for your message. I apologize for any confusion this caused. In order to qualify for Tier 1, the card has to be open for one full quarter while also meeting the High Rate Checking requirements in that quarter. If you continue to meet the requirements, you will be on Tier 1 in quarter 1 of XXXX. I hope this information is helpful. Please let us know if you need any additional assistance. Thank you, XXXX '' I then asked them to clarify WHERE in the terms and conditions of the PDF on their web site that requirement is spelled out. Their response was : " Hello XXXX, Thank you for your message. I sincerely apologize for any confusion. As members are not obligated to open a checking account unless they intend to qualify for Tier 1 rewards, the checking account does not become a requirement until the time that the Signature card is opened. Therefore, the system will determine eligibility beginning with the month in which the Signature card was opened. Let us know if there is anything else we can assist you with. Regards, XXXX '' My position is, this additional " requirement '' that the credit card can not earn the full Tier 1 rewards until at least 1 full quarter AFTER the credit card is opened is NOT posted in the official Terms and Conditions on their web site and Alliant. In my opinion, Alliant is not honoring their cash back agreement as detailed in the official terms and conditions.
12/08/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • MI
  • 483XX
Web
Hello, I opened my Alliant CU saving account on XX/XX/XXXX. At that time, Alliant CU had a promotion. New Account must be funded at Account opening by one deposit of {$25.00} or more. After the initial {$25.00} is deposited, Account must remain open and in good standing. Account must have a minimum daily balance of {$1000.00} by XX/XX/XXXX and remain at that minimum balance through XX/XX/XXXX. Accounts will be reviewed after XX/XX/XXXX to determine eligibility for the {$100.00} bonus deposit. I have fulfilled all promotion requirement, but Alliant CU refused to credit {$100.00} to my account, and mentioned other promotion conditions I didn't meet. As matter of fact, Alliant CU did offer other promotion on XX/XX/XXXX. But I applied the above promotion and met all conditions. Please check with your marketing department and review my account and credit {$100.00} to my account. The link updated to different date but has the same promotion conditions. https : //promo.alliantcreditunion.org/XXXX. This is full promotion requirement I applied my saving account. " Alliant CU XXXX XXXX XXXXXXXX XXXX XXXX Terms and Conditions This promotion is for new members of Alliant Credit Union ( Alliant ) who open a new Alliant High-Rate Savings Account ( Account ) and meet the following requirements to receive a {$100.00} bonus deposit in the timeframe noted below. Existing members are not eligible for this promotion. Customers who closed an Alliant Savings account within 180 days of applying for the new account are not eligible for this promotion. New Account must be opened by applying online at one of the landing pages below with the following promo codes between XX/XX/XXXX to XX/XX/XXXX : Landing Page : www.alliantoffer.com/XXXX Promo Code : XXXX Landing Page : www.alliantoffer.com/XXXX Promo Code : XXXX Landing Page : www.alliantoffer.com/XXXX Promo Code : XXXX Landing Page : www.alliantoffer.com/XXXX Promo Code : XXXX New Account must be funded at Account opening by one deposit of {$25.00} or more. After the initial {$25.00} is deposited, Account must remain open and in good standing. Account must have a minimum daily balance of {$1000.00} by XX/XX/XXXX and remain at that minimum balance through XX/XX/XXXX. Accounts will be reviewed after XX/XX/XXXX to determine eligibility for the {$100.00} bonus deposit. If all requirements have been met, please allow 4-6 weeks for a {$100.00} bonus deposit to post to your Account. You will be responsible for any tax liability. Offer is not transferable and not valid for trusts, UTMAs, IRAs or other tax-exempt accounts. Limit one {$100.00} bonus deposit per Alliant member. Limit one savings account offer per Alliant member. All Account applications are subject to approval. You must apply for the Account by XXXX XXXX CT on XX/XX/XXXX to be eligible. Must be age 18 or older at time of Account opening, and a legal U.S. Resident or U.S. Person ( including a U.S. Resident Alien ). Alliant employees are not eligible for this promotion. This promotion is subject to all federal, state and local laws and regulations and governed by Illinois law. Promotion is sponsored by Alliant Credit Union, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. '' Thanks XXXX XXXX
08/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60527
Web
I am trying to sell my house that is currently financed with Alliant. The bank to purchase the house is XXXX XXXX XXXX. Since XX/XX/XXXX XXXX XXXX XXXXXXXX was trying for over two weeks to get a payoff from Alliant. XXXX provided all possible loan numbers and account numbers from my statement, as well as my SSN, but each time Alliant replied that they can't find this loan in their system. ( Emails screenshots attached ) I started calling Alliant myself, and it took me a few more days to get the Payoff via email. Finally, after three weeks of requests, on XX/XX/XXXX I've got the Payoff. And This is not OK. But the more Important is that the Payoff Provided was incorrect : 1 ) The payoff did not include the Escrow Balance, and representatives never mentioned there is an Escrow Balance of $ XXXX - that is a lot! When I expressed my dissatisfaction about this fact, Alliant explained that the Escrow needs to be requested in writhing and that they don't include it automatically because it is a different account. The inportant fact is that I have never requested to open an Escrow account with Alliant- this is how Alliant Bank works, and customers are forced to have an Escrow account. And in the end, they don't even inform customers that Payoff does not include that second - Escrow Account. 2 ) The Payoff that I got via email on XXXX also had {$8700.00} miscellaneous fees added. Next, for about a week I was calling Alliant, and asking what is that fee for? - no representative could explain me what what is this fee for. I was told that I need to speak to a Supervisor, and every time there are NO SUPERVISORS AVAILABLE. On XX/XX/XXXX I finally got a call back from a Supervisor and she informed me that those fees are my missed payments of the Deferral that I requested in XXXX, XXXX and XX/XX/2020 due to COVID-19 pandemic. My monthly payment is $ XXXX. It means that my 3 deferred payments would come to $ XXXX total. This number doesn't match to the Miscellaneous fees added to my payoff ( {$8700.00} ). When I started asking more questions, the Supervisor got confused and couldn't answer them. Finally, she asked me to give her some time to figure this out, and promised to call me back on Monday. For another week no one was available at Alliant. I was calling every 2-3 days and the story repeats. Today, XX/XX/XXXX, I called Alliant again, and yesterday I did. I am still being told that the Supervisor is not available, but she will call me back today by the end of the day. Definitely this way of treating customers is unacceptable! I have the closing this week and I can't get the accurate payoff. I think they added the interest for the 3 deferred payments for 30 years- till the end of the loan, without even letting the consumer know about this. And now, when I want to pay early, they still keep those interest for 30 years there. So, instead of helping customers out during pandemic, they are adding more fees, and don't even disclose those to customers. Overall I have received 3 payoffs, none of them is accurate, but each has different INTEREST DUE amount : XXXX XXXX $ XXXX XX/XX/XXXX - $ XXXX XX/XX/XXXX - $ XXXX - not sure if this is normal.
07/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 296XX
Web
XXXX. Date of loan : XX/XX/2022 XXXX. XXXX XXXX : {$33000.00}. XXXX. Informed of a Deliquent Account by XXXX XXXX Delinquent Account detected on your credit file the following change to your credit file has been detected : Change : Delinquent Account Company : XXXX XXXX XXXX Reported by : XXXX What does this mean? One of your accounts is delinquent. A delinquent account may be reported to the credit bureaus 30 days or more after you miss a payment. Some creditors report late payments when they're 60 days past due. What should I do now? If you recognize this activity, you can ignore this alert. If not, log in for more details. Log In Now Sincerely, XXXX XXXX XXXXTruth in Lending Disclosure Statement Lender Alliant Credit Union XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 20.74 % {$20000.00} {$33000.00} {$53000.00} Your payment schedule will be as follows : Number of Payments Amounts When Payments Are Due XXXX {$890.00} Your first payment will be due one month after the issuance of your loan and then monthly thereafter. Payments are due on the same date each month. If your due date is the XXXX, XXXX, or XXXX, and the current month is shorter, your payment will be on the last day of the month. XXXX {$890.00} Your last payment will be due 60 months from the issuance date of your loan. Late Charges : If your payment is late, you will NOT be charged a late fee. Prepayment Policy : If you pay early, you will not have to pay a penalty. See your contract documents for any additional infromation about nonpayment or default. Itemization of Amount Financed Itemization of Amount Financed {$33000.00} Amount Paid Directly to You {$33000.00} Prepaid Finance Charge {$1700.00} Itemization of Prepaid Finance Charge : Origination Fee {$1700.00} The Origination Fee is the entire up front cost of your loan and is the only prepaid finance charge. Amount paid to others on your behalf may differ from the itemization above if direct payment attempts are unsuccessful. Military Lending Act Federal law provides important protections to members of the XXXX XXXX and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the XXXX XXXX and his or her dependent may not exceed an annual percentage rate of XXXX percent. This rate must include, as applicable to the credit transaction or account : The costs associated with credit insurance premiums ; fees for ancillary products sold in connection with the credit transaction ; any application fee charged ( other than certain application fees for specified credit transactions or accounts ) ; and any participation fee charged ( other than certain participation fees for a credit card account ). If you would like to discuss the above disclosure or your payment obligation, please call us at
05/13/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 19143
Web
My bank has declined to open a dispute against a company who service I paid for on XX/XX/XXXX and never received the services. XXXX files a dispute with my bank and they stated that they wont be able to honor a refund credit or dispute because its been too long since I made the purchase. I purchase a credit repair service and the company did not start, or complete the services. I have proof attached stating that I tried my best to solve the issue but the company never responded and my bank continues to let companies steal money from me. On XX/XX/XXXX I paid for a XXXX XXXX XXXX XXXX with this company for the amount of {$190.00}. XXXX XXXX the XXXX XXXX sent me a email on XX/XX/XXXX via email from ( XXXX ) requesting my personal information to start the disputing process which I did submit. On XX/XX/XXXX I sent a email touching base making sure that they received my information, XXXX responded on XX/XX/XXXX and stated that once a representative reviews my file someone will reach out. No one never reached out to me I then sent another email on XX/XX/XXXX, and again on XX/XX/XXXX to check on the status of my disputes. XXXX responded on XX/XX/XXXX and stated that my disputes letter are completed and will be sent out in one business day, she sent another email on XX/XX/XXXX and said that in 2-3 weeks i should receive my first round of results. I waited until XX/XX/XXXX to reach out again to let her/him know that I did not receive any letters pertaining to my disputes. XXXX then responded and said that if I do not receive any letters from the credit agencies in a week to reach back out and she will contact the agencies directly. I waited again and on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I emailed XXXX regarding not receiving any letters from the credit agencies and she did not respond until XX/XX/XXXX, she stated that she will reached out to the CFPB to file disputes and suggested I created an online account for her/him to filed directly online. I followed her instructions and emailed her the login to my CFPB account for her to finally start the process. On XX/XX/XXXX I sent XXXX another email reminding her that I sent the information she requested and when will she file the disputes online, XXXX then responded with little to no information or answers regarding the previous email. I waited another week hoping that XXXX did the job she was paid to do and I still did not receive nothing. I checked my CFPB account and was surprised to see that she never sent any only disputes, I even took it upon myself to contact each credit agency XXXX, XXXX, XXXX and they all stated that NO DISPUTES WERE NEVER SENT. On XX/XX/XXXX I emailed XXXX again letting her know that I checked the CFPB account and she never sent anything Its been 5 months since I purchased this service and I was scammed, they kept my money and did not perform the service they was paid. I requested a refund and this company nor XXXX XXXX responded or issued my refund. My bank has refused to help me.
07/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 94089
Web
XXXX : Open a new Debit card account. XXXX : New Debit card on the way to me. I never received this new card. XXXX : This Debit card was activated by someone other than me. Alliant states that they have a recording of my voice calling in to activate this card and providing my SSN #. I did not do this. XXXX : A deposit of {$6400.00} was made to this account using a stolen XXXX check originally issued to someone I do not know. This person likely stole this check from someone else 's mailbox the same way they stole the debit card from my mail box and cashed it to my Alliant account under my name. XXXX : This amount was returned due to XXXX being notified of this being a Fraud. The person continued using this card making purchases, causing the card to be over-drafted because the check amount had been returned. XXXX : I was not able to access my online account. This is when I first contacted Alliant, to which they told me the account is under investigation. XXXX : I called asking for updates. Nothing. XXXX : I called again asking for updates. Nothing. Throughout each of these calls, Alliant would not disclose of the amount that was deposited nor would they tell me what charges had been made on this account. XXXX : A XXXX agent, XXXX XXXX XXXX contacted me regarding an insurance check that was cashed under my name. I have not been in any accident nor do I have insurance with XXXX. I met with this agent and gave my formal statement regarding this incident. I called Alliant again following the meeting and they informed me that the account has been closed down. No further actions required. I do not know the name of the person I spoke to this day. I have heard nothing from Alliant or XXXX regarding this issue. To my knowledge, this has all been taken care of. XXXX. XXXX : I went into check my credit scores and saw that there is an account tied to Alliant, saying that I owe {$1200.00} to Alliant. This is the over-drafted amount after the altered check was returned to XXXX. This is when I called Alliant again and left a voicemail for a XXXX XXXX. XX/XX/XXXX : XXXX sent me over to the Fraud department at Alliant to which they informed me that this amount is owed by me and that the investigation had been closed on their end. Alliant never informed me of this amount nor did they say I would be responsible for it. Again, stating that they have voice recording of this. XXXX. XXXX : I called XXXX back and she agreed to send over all bank statements including the one from XXXX which shows activities on the account in the month that this fraud charges happened. She also informed me that they do not store Check images when I asked for the information on that check cashed under my name but she provided the ATM location and date that the fraud check was deposited to. I am now in the process of filing a police report in order to use this to remove the account and collection charges from my credit report.
07/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 94506
Web
Alliant Credit Union is engaging in consumer-exploitive practices to increase their interest profits by placing excessive holds on deposits. They have a pattern of abusing exceptions to the XXXX XXXX act to increase hold times. I have used Alliant solely to wire my rent monthly since XXXX as the wire process can be completed by docusign rather than wet signature. This is important for timely payment of rent as I travel frequently in my job which can delay providing a wet signature for a wire. On XX/XX/XXXX I deposited a check for {$600.00} with Alliant which was to be a portion of funds to pay my rent. On XX/XX/XXXX I could see that the funds had cleared the bank of origin- my XXXX daughters account. On XX/XX/XXXX I proceeded to initiate the wire transfer of {$4800.00} for my rent, but after completing wire security was informed that funds could not be sent because a hold had been placed on the {$600.00} deposit until XX/XX/XXXX. They transferred me to the hold department and would not release the hold. This hold is excessive and not compliant with XXXX XXXX XXXX. No funds have been made available. They did not make {$200.00} available on the first business day and {$600.00} by the second business day. As far as I can ascertain, this check and my account meet none of the criteria that would allow an exception to XXXX XXXX to place a longer hold. The reason given by the bank is that names dont match. My name as written by my daughter on the check matches my signature on the bank and the name of my Alliant account. They have not been able to justify the hold further or explain what discrepancy in names exists. We know they have had confirmed funds since XX/XX/XXXX. This is a pattern with Alliant. Over the last 4 years, I have noticed longer holds being arbitrarily applied, even to ACHs not just checks. Sometimes they lift them with pushback. This time they didnt. When credit unions exploit and misapply exceptions to XXXX XXXX funds availability, it has tangible financial consequences for consumers. Consumers may incur additional interest on other obligations that they would have paid sooner if funds were available, may incur late fees on other obligations due to arbitrarily long holds on funds availability, may incur overdraft fees, or in my case may have their housing endangered due to inability to make timely rent or mortgage payments solely due to illegal or illegitimate holds on funds availability. I am a single mom with XXXX kids, XXXX XXXX XXXX XXXX XXXXXXXX. Despite having a high paying job, my rent is late solely due to Alliants consumer-exploitive practices and violations of XXXX XXXX in pursuit of higher interest profits from preventing deposited funds from being spent or withdrawn.
04/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 706XX
Web
I sent this letter to Alliant Credit Union on XX/XX/XXXX, I have since emailed the XXXX and the XXXX XXXX XXXX XXXX and have yet to receive a response. On XX/XX/XXXX I deposited an insurance check into the account reference above. Before depositing the check, I spoke to the mortgage company and I was assured as long as the amount was less than {$20000.00} there would no need for an additional endorsement. On XX/XX/XXXX the check was returned due to the lack of the Endorsement that I was told was not necessary. Once I realized the check had in fact been returned, which resulted in a negative balance in our account, I immediately contacted the Alliant Customer Service department and explained the situation to ensure they were aware of the issue at hand. In speaking with the representative, I communicated to her that I would be sending the check via XXXX to the mortgage company to ensure the fastest possible response time, after speaking with the mortgage company I was told I should expect to receive the endorsed check with 10-14 business days. This would be late XXXX or early XXXX. I received the endorsed check on XX/XX/XXXX. Upon receiving the check, I in turned sent a check via US Mail, made payable to Alliant Credit Union in the amount of {$4500.00} which would resolve our account balance and bring it current. My family and I were out of town for the majority of XXXX. Upon returning home on XX/XX/XXXX, at this point I was under the impression the check had been received, since I had not received any correspondence via phone nor mail notifying me otherwise. On XXXX XXXX both my wife and I received an alert from our credit monitoring service that a collection account from Alliant Credit Union had been placed on both my wife and Is credit file with a balance of {$4500.00}, which resulted in not only a negative account on our credit file, but also caused an 80+ drop in our credit score. On XX/XX/XXXX I contacted Alliant and spoke to both XXXX and XXXX in the Loss Prevention Department. After explaining the situation to both ladies, I proceeded to a make payment via my debit card for the entire balance. Our intentions were always to resolve this account, and upon being made aware that the check that was sent on XX/XX/XXXX was never received I immediately called and resolved the balance owed. The purpose of this letter is to request to have this account completely removed from both XXXX and Is credit file immediately. It is my understanding the account was Closed on XX/XX/XXXX, it appeared on our credit file on XX/XX/XXXX and was resolved in full on XX/XX/XXXX. I would appreciate your expedited attention in having this matter resolved, since time is of the essence.
04/23/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • TN
  • 371XX
Web
On Wednesday XX/XX/XXXX I logged on to my alliant credit union mobile banking account and noticed I had been assessed a XXXX overdraft fee for a XXXX charge to XXXX. the balance showing currently in my account was XXXX. Alliant credit union did not pay the XXXX XXXX fee and instead assessed me an overdraft fee of XXXX. I then had another charge of XXXX from XXXX coming through and I made a mobile deposit of XXXX. I have never had any issues with any of my deposits going in right away ( same day ). However I made two deposits. OnXXXX for XXXX and one for XXXX. I made the deposits since mobile banking was showing I had an overdraft fee of XXXX assessed even though I still had money in the checking account. This time it said the deposits to get my account back into the positive would be held for 7 days. I called Alliant twice first on Wednesday XX/XX/XXXX to see what charges may have been pending in order for me to be assessed the overdraft fee. The agent I was speaking to had me on hold for over 20 minutes and could not tell me why I was charged that fee. After being on hold for so long I finally had to hang up. I then noticed on Friday XX/XX/XXXX I was charged another overdraft fee however had an avail balance of XXXX dollars. I called yet again to see why I was charged another fee but yet my deposits were being held. they tried saying my balance at one point was only {$50.00} when in fact mobile banking showed {$360.00}. I also asked why my deposits were being held as they do not have Alliant Credit Union banks here so I'm only able to make deposits via the mobile app and they advised me because my account had been " flagged '' for insufficient funds. I asked how did that make any sense if they were going to continue to assess overdraft fees but hold my deposit that I was trying to make to get the account back into the positive? I believe this bank to be assessing fees fraudulently. I had the same issue occur with this bank over 3 years ago with NSF fees. 3 years later they said they did an audit of my issue and determined the fees were assessed incorrectly and refunded them back to me. This bank does not have a location in my state therefore the only way for me to deposit funds is the mobile app. They have never held my deposits before and I was never notified that my account had been " flagged '' per the representative I spoke with on XX/XX/XXXX. I asked for an audit of the fees on my account as well as expressed my frustration with not being notified that my deposits would now be held unlike any other time where they automatically deposited
06/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30341
Web
Good afternoon So today I found out that my courtesy pay was taken away because I didnt meet the requirement of making XXXX or more from the previous month when I did which I have screenshots of. On XX/XX/XXXX when I called and ask the representative if I have courtesy pay she said yes but I had noticed it said in my my portal my courtesy pay was taken away because my address was not updated because of UPS. But I had got a new card send to my address on XX/XX/XXXX. Then On XX/XX/XXXX I had withdraw XXXX from my checking account and when I checked my app I noticed again it said The checking account you selected does not qualify for Alliants Courtesy Pay protection program because you have not had deposits totaling at least {$600.00} in the previous 30 days, I made a deposit of {$1800.00} on XX/XX/XXXX. Another one of {$580.00} on XX/XX/XXXX and another one of {$600.00} on XX/XX/XXXX. When I had called in and spoke to a supervisor she told me that my courtesy pay was token away because my account was in the negative for 2 weeks and I told her nowhere in the requirement does it says that or in the disclosure. The requirement for courtesy pay on the website and in my banking app states : Courtesy Pay is a non-contractual service offered and provided to Alliant members who : Are in good standing Have an Alliant checking account that has been open for at least six months and Have qualifying deposits totaling at least {$600.00} into their Alliant checking account in the previous 30 days. Qualifying deposits include direct deposit, payroll deposit, check deposit, ATM deposit, wire transfers or transfer from another financial institution There is no cost when an overdraft transaction is paid by Alliant. When Courtesy Pay is used, the full amount of the overdraft balance will be due immediately, but in no event more than 30 days after the date of the occurrence. Repeated NSF items may result in revocation of this benefit. Please let us know if you need further assistance. Thank you, XXXX But in my app it doesnt says my courtesy pay was revoke because of repeated NSF or in their disclosure when opening a checking account. What does repeated means. As a meme we we should know how many times or days our account can be in a negative before our courtesy pay is taken away. Also we should get an email or text message when our account goes in the negative and get a warning that the next time your courtesy pay will be taken away. This is not included in their disclosure or on their website.
09/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web Older American
YOUR COMPLAINT Complaint was previously submitted by my wife, XXXX who IS, notwithstanding the institutions assertion to the contrary, a subsidiary cardholder. Previous complaint was CFPB # XXXX XXXX did not respond to the substance of the previous complaint. The previous UNANSWERED complaint reads as follows : XXXX, XXXX XXXX, agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of XXXX ( XXXX ) case of defective/damaged flooring material and XXXX ( XXXX ) cases of new, unopened flooring material. When I arrived to deliver the XXXX cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the XXXX ( XXXX ) unopened cases of material. I filed a dispute with XXXX XXXX for the one ( XXXX ) case of damaged material that was not refunded by the merchant. I supplied XXXX representative with a full email chain wherein the merchant agreed to take back ALL XXXX cases of material and provide a credit therefor. XXXX is a small fintech-type issuer and outsources their credit card operations to a company called " Co-Op '' After providing all the information to Co-Op and XXXX I XXXX a provisional credit for the {$68.00}. Subsequent thereto the provisional credit of {$68.00} was REVERSED. Upon seeing the reversal of the provisional credit I contacted XXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant claims they " already '' agreed to provide a refund. When I explained to the CO-OP representative that the merchant credit was only for XXXX ( XXXX ) not XXXX ( XXXX ) cases of material, the CO-OP representative said that there was nothing he could do and became defensive and rude. I requested documentation showing I received a full refund for all XXXX cases. Request denied. I subsequently contacted an XXXX employee in XXXX 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all XXXX ( XXXX ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. It also appears now that my online access to my account has been XXXX, perhaps out of spite, so I can not effectively monitor the account. However, I can see my account using the XXXX mobile app.
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70726
Web
( ORIGINAL COMPLAINT ) Alliant Credit UNION : Account # XXXX. Alliant Credit Union engaged in deceptive practices when I deposited money to make a credit card payment into their financial institution and received a receipt. Alliant however, decided despite the payment receipt and me depositing the money for the purpose of the credit card payment, that they would apply this payment to another account. This in turned caused a late payment on this account. In subsequent phone conversations, Alliant representatives assured me that this would be corrected. It has not, and as such, I am demanding that this missed payment be removed. I have attached a bank statement showing the deposit made into the account. The day after a deposit was made to the cc, the financial institution transferred the money to two separate loans. NONE of the accounts were more than 30 days. The institution caused the late payment. I have attached both my bank & credit card statements ( highlighted ) with the deposit made & paid. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( FOLLOW-UP ) The company has not corrected the issues to date, even after sending a letter stating that they would. I have called for months to no avail. The responsible department does not call or follow-up. The representatives state that the department only responds to emails and does not take calls. Well, they do not return internal email requests or calls either. This is an unfair practice to consumers! This negatively impacts consumer credit reports and time. I am attaching the letter received from the credit union. I would like my report to be corrected and Alliant investigated for deceptive practices and for violations of federal law. Regulatory action should be taken against them! XX/XX/2022 spoke with XXXX w/Alliant, she stated that she is filing a complaint and submitting to her supervisor, but nothing is done!
06/13/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95051
Web
All of my Alliant Credit Union accounts, a checking, saving, and certificate of deposit, were frozen on XX/XX/2020. Alliant Credit Union froze the accounts after receiving a threatening letter from XXXX XXXX XXXX XXXX, a XXXX XXXX family law firm on XX/XX/2020. Thus far, Alliant Credit Union has refused to remove the freeze and has not responded to my emails asking for the freeze to be lifted. My electricity bill was not paid and I incurred fees as I could not move money to pay my bills because my account was frozen. In the letter to Alliant Credit Union ( which is attached ), the above-mentioned law firm misconstrues the scope of the California Family Law Standard Restraining orders forbidding any transaction from the account, regardless of whether it is for necessities of life like my electricity bill or DMV fees. Alliant Credit Union responded with this reasoning for freezing the accounts to both opposing counsel and me, Under the instructions and threats in your letter, if the credit union allows Ms. XXXX to withdraw any funds, Mr. XXXX will hold the credit union liable for the amount of such withdrawals. The credit union can not know whether a requested withdrawal is in the usual course of business or for the necessities of life. Therefore, we ask that you meet and confer with Ms. XXXX and her counsel, if any, to provide instructions to the credit union that are consistent with the terms of the restraining order. Absent a corrected letter from you, it appears Ms. XXXX should ask the court to assist her in correcting your misrepresentation of the restraining order and providing guidance to the credit union on the amount of withdrawals the credit union should permit. I contacted opposing counsel and asked them to unfreeze the account on XX/XX/2020, which they refused to do. Alliant Credit Union froze my account because of fear of retaliation from XXXX XXXX XXXX XXXX, not a violation and without an appropriate court order. Alliant Credit Union did not inform me of the freezing of the account and I found out when trying to login to my account on XX/XX/2020 to pay my electricity bill. Alliant Credit Union has forced me to incur legal fees to adjudicate this matter and removed access to money for me to pay for the necessities of life. XXXX XXXX XXXX XXXX also sent this letter to at least two other banks, which thus far have decided NOT to freeze my accounts unnecessarily.
12/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90250
Web
I have a checking and savings account with Alliant Credit Union that I am very happy with. However, this past summer until very recently, due to XXXX XXXX XXXX I was not able to take specific medications for a registered XXXX. This affected me adversely as not being medicated forced me to accidentally overdraw the account and they have put an NSF warning on my account which means they hold my checks for 7 business days and this can sometimes extend to ten regular days. I have never deposited a bad check and until this time I had not had any NSF activity. I have provided medical documentation to corroborate this but the credit union has refused to reduce hold times for checks, but they did tell me verbally that i could call customer service and request that holds be released and that they would be accommodating. Recently, after depositing a bank closure check from another bank for {$400.00} I called customer service to request that the hold be released and I was told they required a letter from the other bank, which I then provided. But I was told it was insufficient. I feel that I am being treated differently possibly due to my XXXX and I feel that the credit union is not being fair to me about this. I have never deposited a bad check, I have provided proof that the check will clear with two separate emails from the third party bank to no avail.I feel that I have provided fair medical documentation that supports my contention that any prior NSF was accidental and the condition that caused it has been remedied by being medicated again. I feel I am being punished for something that was out of my control and i do not think this is fair. I have asked that 'courtesy pay ' be removed as an option going forward. I ask that Alliant once again assess this with my medical documentation and return my account to the state it would have been in had my medication for my XXXX not been suspended, which means removal of NSF warning, reduced or no hold times for checks, and removal of holds on any current pending checks. I do not think Alliant is doing this maliciously, but I do not think they are considering the medical documentation I have provided properly, and therefore, are inadvertently discrimination against me by doing so. I am currently temporarily unemployed and living pay check to pay check so this is causing me great difficulty.
01/22/2021 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • CA
  • 95829
Web
I requested that my Credit union attempt to recover funds I wired to XXXX per the situation summarized next. They said they could not help me. I wired {$85000.00} between XXXX and XXXX to the " Escrow '' account. After eight wires, they said they would not wire any more funds for me, but they would not tell me why. I asked my credit union if this was a scam and I also reached out to the wire company and asked them if I was subject to a scam and they said they could not tell me anything except that they would not wire any more funds for me. I found the Escrow company listed on the North Carolina government page under businesses and it even listed the person at the company with whom I was working - XXXX XXXX XXXX XXXX, XXXX XXXX, so I thought this transaction was legitimate. I proceeded to send another {$80000.00} through my bank. This was my life savings and it is now gone. This was the biggest mistake of my life and I can not believe how easy it was to have so much money stolen. I signed up to sell a timeshare and make a decent profit as I had selling my house, but wound up in dept, ashamed, and broken. These people must be stopped. SCAM : I was called by a XXXX rep in XXXX and asked if I wanted to sell my timeshare at the XXXXXXXX XXXX in XXXX. I said maybe. I was sent a letter of intent to purchase and I checked the North Carolina Gov website to see if this business was listed and it was. I signed and returned the agreement. XXXX XXXX with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX, phone XXXX, email XXXX emailed me information about the opened escrow account. I was told I would need to wire funds on different occasions, but that I would be reimbursed. I checked the North Carolina Gov website to see if XXXX XXXX was listed and it was and even indicated XXXX XXXX as the owner. I proceeded to wire and then bank transfer funds as requested, but at one point asked for some type of guarantee that his was not a scam and that I would be paid. XXXX XXXX XXXX CEO XXXX XXXX called me and sent me a notarized affidavit guaranteeing that I would be paid. The last time I talked with XXXX and XXXX on the phone they told me the funds should be in my account within 48 hours. That was now over a week ago and my repeated phone calls, voice mail messages and email have gone unanswered.
04/26/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • OH
  • 45224
Web
Alliant Car Buying Service : XXXX XXXX XXXX They advertise a .50 % off interest rate if a car XXXX purchase is found through their service. I found a car advertised on this website and contacted the dealer as instructed through this website. I then applied for an auto loan with Alliant Credit Union and was approved on XX/XX/21. The loan officer working on my application - XXXX XXXX Loan Consultant XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS : XXXX I inquired about the XXXX interest rate deduction with him with the following verbiage : ( To XXXX : ) " I found the car through the Alliant/True Car buying service and it stated I would receive a XXXX50 discount in rate if I found my car through that service. Is that included? '' - This was sent on XX/XX/21. I received a response : " To receive the XXXX XXXX rate reduction you need to upload the certificate showing the dealers name and address, your name and Alliants name on the document. '' Received XX/XX/21 I replied on XX/XX/21 with the following message. " What type of certificate do I need to provide? Does it have a name so that I can request from dealer? '' I had no idea how to obtain the requested certificate. There were no instructions nor any assistance through the car buying process that I could find assistance with this certificate. I never received a response from XXXX regarding this question. At no point did he state I needed to provide this documentation prior to loan funding. Without a response, I sent a follow-up email to XXXX on XX/XX/21 : " Can you please advise specifically what you need to give me the .5 interest rate deduction for purchasing through Alliants car buying program. '' I received a response from him on XX/XX/21 stating : " You would have needed to upload the certificate from our web site before the deal funded. Since the deal has funded we can no longer accept the certificate. '' No where was this communicated to me. My additional follow-up attempts were all ignored. I was not given an opportunity to receive the promoted rate, nor was I treated fairly in regards to receiving all information I requested. I would like to issue this formal complaint against Alliant Credit Union for their unwillingness to honor an advertised rate given the fact that I met requirements to receive it.
10/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 751XX
Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
09/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • GA
  • 30305
Web
I had a credit card with Alliant that I had stopped using. I kept it open through the end of the 12 month period that was paid under the {$59.00} annual fee. Now here is where Alliant engages in unprofessional, unethical, " gotcha '' fees. I got my XX/XX/2019 statement in mid-XX/XX/XXXX and saw the new {$59.00} annual fee for the upcoming year. So I called XX/XX/XXXX to cancel. Seemingly in-line with the business practices of all banks, credit card companies, etc, I presumed this would be an easy cancel and removal of the fee - ie, calling within the billing cycle when the fee hit. No such luck. They did cancel my card but said they would have to request the {$59.00} refund. I presumed again this was a simple process and assumed it was done, as I didn't hear further. Fast forward to XX/XX/XXXX where I noticed a new online statement with a balance ( the annual fee ). I call and figure this would be a quick waving of the fee. No luck, again. Apparently they buried on page 3 of the XX/XX/XXXX bill, a notice that says one has to call within 30 days of the XX/XX/XXXX bill to avoid this fee. Take note that the {$59.00} fee isn't on the XX/XX/XXXX bill but the NEXT MONTHS BILL. So if you don't read through all the fine print through to page 3 of the bill, then one never sees this. It's clearly intentional and duplicitous to bury this at the end of a bill vs PAGE 1. Plus it's even more tricky to only allow you to cancel BEFORE the actual charge hits your statement. So once the fee hits your statement, what do you know, it's too late to cancel. How underhanded is that??? Reps were rude and supervisors were worse when I called two times to investigate and then confirm this, as I couldn't really believe it could be the case ( except the rep that admitted the fee was not really appropriate - so clearly they get this A LOT ). I really can not believe that XXXX would fight customers so hard over a silly fee and hurt their reputation so badly. If they need {$59.00} fee income, you should worry about their viability as a bank, not to mention their ethics. And I can not believe that this day and age a bank would engage in this practice that is clearly designed to trick customers. Oh and there is no proration of the fee.
10/06/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • NJ
  • 07302
Web
First Issue : Incorrect Escrow Charges and Mishandling of Account Two ( 2 ) written requests for an escrow account analysis. ( XX/XX/XXXXXXXX and XX/XX/XXXXXXXX ) Multiple verbal requests for an escrow account analysis. ( XX/XX/XXXXXXXX - two phone calls, XX/XX/XXXXXXXX phone call, XX/XX/XXXXXXXX phone call, and finallyXXXX phone call ) Six ( 6 ) requests for substantiation of basis for reasons overcharging escrow account with respect to our property taxes by more than {$10000.00} - these dates are detailed above. We submitted our XXXX XXXX, NJ tax roll showing our last two full tax years at less that $ XXXXyear and have requested that they substantiate the basis for charging us over {$10000.00} more on our escrow raising our monthly escrow charge from {$1200.00} to {$1900.00}. We have a real estate tax abatement until XXXX of XXXX and our taxes have remained fixed and have been below {$13000.00} for four straight years. This was after they started XXXX only charging us {$150.00} and paying us an overage at the end of XXXX. We are on a fixed rate mortgage and have fluctuated against escrow accounts from {$120.00} to over {$1900.00}. When they did not respond in XX/XX/XXXXXXXX we have been withholding our payments in order to leverage them to fix the issue. On XX/XX/XXXXXXXX phone call, they put in a work order on our account management. But then when they transferred us out of escrow we only got customer service department people that threatened us and only wanted to collect the debt and refused to discuss the ongoing issues. Second Issue : Did not pay Homeowners insurance as bound by our mortgage agreement and our insurance was cancelled and we had to find new insurance. They ignored all contacts for payment, and then blamed us. We had to produce the mortgage documents to them and only then did they acknowledge that it was their responsibility to pay the homeowners insurance. We had to scramble to find new coverage. Nevertheless, they refused to pay any difference in insurance and exposed us personally. They took no financial accountability of their wrong doing. They then tried to charge us in Escrow for it when we now pay it directly due to their mishandling.
02/26/2019 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • CA
  • XXXXX
Web Older American
We bought a RV in XX/XX/XXXX and financed it through Alliant Credit Union The amount borrowed was {$44000.00}. My husband became very ill with XXXX and we had trouble making the payments on the RV They served us with papers demanding the full amount of the balance I had to get an attorney to help me while my husband was very ill and after he died. After my husband died, I sold the RV and wired Alliant Credit {$29000.00} toward the balance owed. They calculated a balance due of {$25000.00} owing through my attorney even though the actual balance owed was {$14000.00} plus their attorney fees. I also had to pay my attorney as well. They demanded that I pay {$450.00} per month until the balance was paid off. I paid the best I could on the balance as I am a widow who lost her husband 's income Alliant 's attorney obtained a Stipulated Judgement against me for the balance due and I could not afford to pay the {$450.00}. I made an agreement to pay {$150.00} per month until the balance is paid which I am paying. The balance is about {$3800.00} now They are reporting the account to the credit bureau as a balance sheet charge off which it is not as they are still receiving payments on the account/ They are reporting the account as being closed which it is not as it is still an open account. This is also damaging to my credit report. They are reporting the monthly amount being paid as {$450.00} which is not. This is damaging to my credit report as it increases my monthly obligations. Their inaccurate reporting to the credit bureau is hurting my credit when I am trying to reestablish my credit They opened the account in XX/XX/XXXX and then in order to damage my credit they reported the last payment of {$1700.00} was received in XX/XX/XXXX so they can keep reporting my account. I feel they have purposely submitted information to the credit bureau to damage my credit standing. If they have a stipulated judgement against me and I don't pay it, they can get a judgment against me. They don't need to keep reporting erroneous facts to the credit bureau. They are using the XX/XX/XXXX date in order to purposely keep reporting my account to the credit bureaus.
01/10/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • PA
  • 15217
Web
Hello, Here is the requested information : I opened a 2.0 % high-yield savings account with Alliant ( XXXX XXXX ) in XX/XX/XXXX. A deposit of {$620.00} was transferred into this account on XXXX XXXX XXXX XXXX XXXX I attempted to establish my online account ; however, the authentication process failed. When I called the Customer Service line ( XXXX ) in late XXXX, I was advised that a supervisor would need to solve my issue. The XXXX XXXX told me someone would call me back once those positions started, around XXXX XXXX XXXX. No one called me back. In a 2nd attempt, I called back in early XXXX and was told the same story : the person I was speaking to couldn't help me, but they would have a supervisor call me back. At this point, I still have no access to my savings account and can not confirm that the funds are there. No one called me back. Deciding that the customer service was lackluster and the company was no longer trustworthy, nor worth my time, I opted to close my account. After waiting the required 90 days, I called the XXXX line again on XXXX XXXX XXXX XXXX and went through the steps with the XXXX XXXX to close my account. I was advised that I would receive an email from the department that handled account closings, typically within 2 weeks. No email confirming my closed account came to my inbox. I called back on XXXX XXXX XXXX XXXX to confirm that my account was closed and clarify the following steps. I was again advised I'd receive an email and that a check would be sent, as well. No email or check has arrived. Then, on XXXX, I received my first statement in the mail from Alliant. It stated that my account was closed on XXXX and that the balance was XXXX. Withdrawals totaling the original amount I deposited were withdrawn on the same day. No interest had accumulated and no check was included with the statement. As you can imagine, this is incredibly frustrating. The amount in question is only pennies for a financial institution but is a ticket to more security for me and my family. Thank you for taking my complaint and for providing this service. XXXX XXXX XXXX
10/31/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 10032
Web
I deposited a check for {$1100.00} on XX/XX/XXXX via the ACU mobile app, I subsequently logged out and logged back in to see if there would be a hold placed on the deposit or if any of the funds would be made available. After the deposit, the mobile app displayed the total amount of the check available to me and did not indicate any hold would be placed on the check. The check was drawn on a business account from my employer from XXXX XXXX. Additionally, after reviewing online banking, the full amount of the deposit is reflected in my posted ledger balance as of XX/XX/XXXX. Based on this information, I made a payment on my XXXX XXXX XXXX credit card in the amount of {$1200.00} via XXXX which brought my balance down to {$710.00}. On Monday XX/XX/XXXX at approximately XXXX, I logged into my mobile app again to try to determine why I was not able to withdraw money from the ATM only to discover that my account was overdrawn {$440.00}. I looked over the ledger to see what happened and saw that at some point on XX/XX/XXXX, someone from ACU decided to place a 10 day hold on the check that was deposited on the previous day, leaving my account overdrawn and not giving me any notification that this would occur. I then contacted customer service to see what could be done about the hold and was told that since ACU could not verify funds on the XXXX XXXX check, that if I could get a letter verifying the check or proof that the check cleared that I could request the hold be released, however, XXXX XXXX will not provide this information to me either since I am not the account owner. I then called back and spoke with several reps at ACU and was told that it is essentially not their problem that I don't have any money and that I should have considered the check unavailable to me until it was processed on Tuesday, even though I did my due diligence as a customer and acted on the information I was provided as a result of using the banks mobile application. As of today XX/XX/XXXX, my account sits overdrawn and I have no money until the 10 day hold expires on XX/XX/XXXX.
08/28/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web Older American
Merchant agreed, in an email, to refund cost ( less 20 % re-stocking fee ) of one ( 1 ) case of defective/damaged flooring material and three ( 3 ) cases of new, unopened flooring material. When I arrived to deliver the FOUR cases of material, the merchant refused to accept the damaged material and provided a credit ONLY for the three unopened material. I filed a dispute with Alliant Visa for the one ( 1 ) case of damaged material that was not refunded. I supplied Alliant representative with a full email chain wherein the merchant agreed to take back ALL FOUR cases of material and provide a credit therefor. Alliant is a small fintech-type issuer and outsources their credit card operations to a company called " XXXX '' After providing all the information to XXXX and Alliant I received a provisional credit for the {$68.00}. Subsequent thereto the provisional credit was REVERSED. Upon seeing the reversal of the provisional credit I contacted AlliantXXXX. I asked why my provisional credit was reversed. To my surprise the representative told me that the credit was reversed as the merchant " already '' agreed to provide a refund. When I explained to the XXXX representative that the merchant credit was only for three ( 3 ) not four ( 4 ) cases of material, the XXXX representative said that there was nothing he could do and became defensive and rude. I requested the documentation showing I received a full refund for all four cases. Request denied. I subsequently contacted an Alliant employee in Alliant 's " XXXX XXXX '' The XXXX XXXX employee seemed to understand the gravity of the situation. I again supplied her with photographs as well as the email chain documentation detailing the merchants agreement to provide a credit for all four ( 4 ) cases of material. The XXXX XXXX employee agreed to re-instate the provisional credit to my account but to date has failed to do so. It also appears now that my online access to my account has been removed so I can not effectively monitor the account. However, I can see my account using the mobile app.
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 20147
Web
This written communication consitutes XXXX and due process notice of the compromising of my credit card as defined under 15 USC 1602 ( l ) a/k/a social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint, my local police which both are attached herewith. Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of Following : XXXX XXXX XXXX, Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
05/19/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60617
Web
I, XXXX XXXX, with my credit card, entered into a consumer credit transaction with Alliant Credit Union onXX/XX/2018. This consumer credit transaction involved a finance charge which is the sum of all charges and does not include cash, pursuant to 15 USC 1605 ( a ). Alliant Credit Union has furnished a deceptive form creating the false believe that I got a loan when I only entered into a consumer credit transaction, which is a violations of 15 USC 1692 j. Alliant Credit Union Credit has collected monthly payments from me since XX/XX/2018 which is a violation of 15 USC 1605 ( a ). Alliant Credit Union has failed to include my insurance in my finance charge which is violation of 15 USC 1605 ( a ) ( 5 ) and failed to disclose to me MY RIGHT to rescind which is in violation of 15 USC 1635. Alliant Credit has violated multiple of my federally protected consumer right under Truth in Lending ( 15 USC 1601 ) and FDCPA ( 15 USC 1692 ) and is criminally liable, pursuant to 15 USC 1611 and civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. Ive made Alliant Credit Union aware of how they violated my consumer rights through certified mail and CFPB complaint, which can be seen in the attached documents to this complaint and my prior complaint as well as how I will like to resolve this matter. Pursuant to 15 USC 1692 ( b ), any consumer that disputes the validity of a debt or request the name and address of the original creditor, the debt collector shall cease collection of any debt until the debt collector obtain verification and provide such information to the consumer by mail. Alliant Credit Union has failed to provide me with the information I requested and continues to send me statements and collect money from me for this alleged debt, which is in violation of 15 USC 1692 ( b ). Also, I request that Alliant Credit Union provide me with an Audit Trial. Pursuant to GAAP ( Generally Accepted Accounting Principles ), Alliant Credit must prove that the funds left their account for this alleged loan.
07/25/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NJ
  • 07104
Web
On XX/XX/XXXX, of this year I applied for a loan though Alliant Credit Union 's online application to refinance my current mortgage, later that day I received an email from XXXX XXXX requesting further information to complete the application. I swiftly provided the requested information and subsequently received another email from Mr. XXXX verifying my base salary, he also stated I have you approved and attached todays loan summary. Mr. XXXX requested a few minutes of my time to lock in the rate and review next steps. I replied to his email asking him to call me at his earliest convenience which he did shortly after. As soon as Mr. XXXX heard my voice he immediately tried to talk me out of continuing with the loan process, he asked what was my position at XXXX XXXX and I stated that I was a XXXX XXXX ( this information was on the loan application. ) He then stated that because of my reduction in hours I would not be approved for the loan ( we had no prior discussion about reduction in hrs. ) I asked why he assumed that I had a reduction in hrs and told him that I was not laid-off or on any type of leaves and was not experiencing financial difficulties. I then explained to him that I chose to be on call due to the fact that I would not be XXXX as much during covid-19 but I am still receiving my pay from XXXX XXXX. I also advised him that I had recently paid off my car loan with Alliant before that end of the loan which is not the actions of someone who was in financial distress. I was astonished at the fact that Mr. XXXX had seemly changed his mind about approving me for the loan after calling me. My credit score was still over XXXX and my year to date earnings was still $ XXXX. The only new information he gained from the call was that I am XXXX American, I had to convince Mr. XXXX to continue my loan process which he claimed he would do, but he also had a warning for me that I could loose the {$420.00} which I would be paying for the appraisal if my loan was denied.
08/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76132
Web
I am writing to request an investigation and dispute for a derogatory mark I received on my Credit Report from my Alliant Car Loan ( XXXX XXXX XXXX ). On XX/XX/XXXX I was alerted through my XXXX account that my credit score had gone down 91 points. I pulled my credit report and saw a derogatory mark. I called my loan provider Alliant and they said it looked like I did not have insurance XXXX XXXX even though I in fact have insurance for those three months. I called XXXX ( my insurance ) and they said this was caused by a glitch that occurred in the XXXX system.This glitch caused an increase in my car payment from Alliant, which I did not know about. I never received any documents in the mail about my the contracted amount going up. This resulted in an {$8.00} past due on my credit report and a derogatory mark. My account is on autopay and I did not realize the amount had been increased due to the glitch, even though I did have the proper insurance and was paying for it on time every month. I have always paid all of my car payments before this all happened. Alliant told me to call XXXX Solutions to have my XXXX insurance verified since Collateral Protection Insurance or Force-Placed Insurance was put on my auto loan account, which caused my contracted amount to go up even though I did actually have my own insurance / was paying it on time. Documents have been sent to XXXX Solutions from XXXX to show proof that I did have insurance XXXX XXXX. I was told by the XXXX Solutions that I would receive a refund for what I had to pay when my car loan went up and my account has been updated to show that I did have insurance and my auto loan amount will go down to my contracted amount in around 3 weeks. I filed a dispute with Alliant on XX/XX/XXXX and asked them to remove the XX/XX/XXXX derogatory mark and they did nothing help to take the derogatory mark off my credit report even though I did have insurance the entire time and provided documentation.
04/15/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MN
  • 55446
Web
I'm in the process of refinancing my exsisting home loan. I've been involved in the process for over a month now. I paid {$500.00} ( on XX/XX/XXXX ) in full for my appraisal. Then my mortgage company came back to me to collect {$300.00} more. So I have TWO issues with Alliant Credit Union -- # 1 that they are charging me more money for an appraisal than what a basic appraisal costs. ( I know this as Ive spoken to the Appraisal company -- XXXX XXXX, XXXX ) # 2. Alliant Credit Union is requiring an " inside '' appraisal. This should not have to be done for a refinance -- especially for an exsisting loan. AND especially due to the circumstances surrounding the COVID-19 crisis. There are alternative ways to complete the refinance process that does not involve an " inside '' inspection that would jeopardize the health and safety of my family. I've talked with XXXX XXXX. Who has guidelines published on their website and Selling guides of appraisal exceptions that need to be made. I've been told that a " drive-by '' ( exterior only ) and/or a desktop appraisal can be done. I've also been told that there is a process titled DRDC -- Directed Remote Data Collection -- which is a process by which an inspection can be completed remotely by an appraiser who guides the homeowner through the inspection aided by video conferencing technology. Again, these are all suitable methods that the Lender - Alliant Credit Union can do to respect the state and federal mandates of " shelter in place '' and social distancing. I can not have someone come into my home. I, my daughter, my spouse and my XXXX years old mother ( who's immune system is compromised ) lives with me. We can not take any changes of being exposed to this deadly virus. I have clients who have already died from this virus and it should not be taken lightly. I need help here to have my Lender find an alternative way to complete my refinance without having an outside individual in my home. Thank you
08/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 96150
Web
Around XX/XX/XXXX, I received one letter in the mail from Alliant Credit Union stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. I saw that Alliant Credit Union reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called Alliant Credit Union immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. I would like Alliant Credit Union 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.
09/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 334XX
Web Older American
It is indeed unfortunate that I need to submit this complaint for a third time. The company involved ( Alliant ) provides anonymous responses authored by an employee who apparently has difficulty comprehending the XXXX language. I will try once again and hopefully this will be directed to someone more fluent in XXXX. I am copying XXXX XXXX XXXX on this go-round as she was responsible for creation of this federal agency and might like to know what it has devolved into basically a letter forwarding drop box. I will refute each point in the anonymous response : Paragraph 2 of the anonymous response deals with the number of boxes to be returned. Please refer to the email time stamped XXXXXXXX XXXX on XX/XX/XXXX which reads as follows : " Hi XXXX Guess my guy cant count I am bringing back three ( 3 ) unused boxes of the 59 x 10 And One damaged box of same till Total four boxes be there in half hour many thanks XXXX XXXX Sent from my XXXX '' how can this be any clearer? there are four cases in play here, one damaged and three undamaged. Paragraph 3 of the anonymous response states in essence that the merchant states I returned only three cases. That is correct in part but only because the merchant failed to honor its commitment to accept the return. Only three cases were returned BECAUSE THE MERCHANT REFUSED TO ACCEPT THE CASE THAT ARRIVED AT MY HOME DAMAGED. Hopefully a more careful reading of the email chain will demonstrate to the anonymous author that credit which was offered by the merchant was only for the three undamaged cases of material. Why is this so hard for Alliant to understand? The merchant should have accepted the damaged case of material. They refused. The email chain is more than clear ... .we are dealing with damaged and undamaged material. XXXX from the merchant agreed to take back both the undamaged and damaged material, subject only to the 20 % re-stocking fee.
01/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • VA
  • 22315
Web
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with ALLIANT CREDIT UNION `` ALLIANT ''. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. ALLIANT became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.
06/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30294
Web
On XX/XX/2022, {$3400.00} was deposited into my checking account. It was my income tax check. Prior to that, I initially deposited the check with Alliant and it was placed on hold. My account was then locked and I received notice to contact the bank. Once contacted, I was told that there was a fraud lock on my account and that the check did not clear the US Department of Treasury when they ran it. I told the guy ( from the Fraud Dept. ) that this was not true and that there was nothing wrong with my check as I had received it and not cashed it or anything. He then ran the check himself and stated that he was unsure as to why the check didn't pass as it just did with him. He then contacted the person from Fraud department who initially ran the check and had him run and deposit it again ( a second time ), it cleared. The check was deposited into my account. Now, today XX/XX/2022, I reviewed my account and the check was rescinded again. I contacted Alliant and was told that the check was deposited twice, so the XXXX XXXX XXXX flagged it as being deposited twice. That sort of makes sense, but its not my fault. As stated, I deposited the check at Alliant and it was held for deposit ( deposit 1 ). It was then flagged and sent to the Fraud Department. They then ran it again and deposited it back into my account ( deposit 2 ). Same check and check number. There is no way that this check could have been deposited at another bank. My banking institution is XXXX XXXX My employment check goes there and no other deposits. All of my outside deposits go to Alliant as funds for my XXXX XXXX XXXX 's future/savings. Please assist with this case. I'm an XXXX and not a fool. I no longer trust this banking institution and need help recovering my funds, AGAIN ( same check that I had to fight for once already ).
08/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • GA
  • 30269
Web
On XX/XX/22, I submitted information to open an account online. On same day, I received an automated email message saying they couldnt verify me referencing the Patriot Act. I was provided a phone number which I attempted on 3 separate days. The recording told me to call back in 24 hrs. I could never get through to a representative. On XX/XX/22, I submitted an online inquiry form. On XX/XX/22, I received another email from XXXX asking me to call another customer service number which I did. The representative ( XXXX ) was very kind and helpful. She sent me a pdf application to complete and return via secure email. She walked me through the completion process ensuring all necessary boxes were checked. Same day, I received a request to provide a copy of my drivers license. I submitted it to XXXX via secure email. She confirmed forwarding to the appropriate department. On XX/XX/22, I called back to the working customer service and referenced my prior conversation with XXXX and requested a status. I was told no application for me was in queue. On XX/XX/22, I requested escalation to a supervisor and informed them I was considering filing a CFPB complaint. XXXX sent me another pdf application. On XX/XX/22, I pulled up the second application form for the first time. This time it was inadvertently pre-filled with another applicants information ( including full social, date of birth, mothers maiden name etc ). I immediately notified XXXX and requested supervisor escalation. XXXX called me and said she and her supervisor are researching my situation. I requested something in writing from her supervisor confirming my information had not been compromised to other applicants. I also requested expedited resolution to my application problems. As of XX/XX/22 at noon ( EST ), I have received neither.
12/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • CA
  • 95823
Web
I received an email from Alliant Credit Union ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) on XX/XX/XXXX stating that I was 'pre-approved ' for an auto loan to refinance my car. I filled out an application and was advised by someone in their auto loans department that I was approved for a loan up to {$10000.00}. I applied for {$11000.00}, but could pay it down to XXXX with no problem. On XX/XX/XXXX, I asked them how long the loan offer would be good for, I was told it was good until XX/XX/XXXX. I received a message later that same day saying the loan was declined. I called and spoke with a supervisor by the name of XXXX who stated that they need two years of tax documents in order to approve the loan and since I started my current job in XXXX of XXXX, I wouldn't have two years of tax information, just XXXX year and 9 months ( something they already knew from my application before telling me that I was approved for up to {$10000.00} ). I was doing different work before my current job and could have provided those tax documents in addition to my current tax documents. They initiated first contact through email to tell me that I was pre-approved, I have a good credit score, I only have onXXXX loan and that's the loan I was refinancing through Alliant, I've had this loan for over 2 years and haven't missed a single payment. I meet the income requirements to justify said loan, and it seemed as though they were trying to find any possible loophole to deny my application. I'm requesting that you guys thoroughly investigate Alliant Credit Union to see if they have a history of making it more difficult for non-Caucasian people to get loans and if they routinely deny applications from XXXX numerical minorities while approving loans for Europeans Americans who have similar credit worthiness.
05/24/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • CA
  • XXXXX
Web Servicemember
I applied for a savings account with Alliant Credit Union ( ACU ) ; didn't hear back and then received a letter in the mail stating my application was denied - Alliant used my personal confidential information and pulled my credit but claimed they could not access my XXXX. So, I applied for a savings account again with Alliant Credit Union and provided my California XXXX REAL ID driver license, DOD Military ID, Department of Veteran Affairs issued ID, United States passport book and Phone bill again ; to verify my name, date of birth, address and identity. Alliant Credit Union then asked for access to my XXXX again. I lifted the freeze again. Alliant Credit Union asked for me to lift my XXXX for a third time and XXXX credit bureau ( have two inquires now ) - I lifted the freezes again. After accessing my credit reports, and XXXX several times - Alliant asked me for a copy of my social security card however could not provide me with a reason as to why. When I asked if I was put through the same process as other new applicants the answer was no. Alliant perception is bias and implied that I am a 'fraudster ' based on my characteristics as a single, forty year old, 100 % XXXX Veteran and woman of XXXX. I am a US Citizen - born in Massachusetts. Alliant is forcing me to provide a copy of my social security card ( without cause ) or my savings account application will be denied. Why, does Alliant Credit Union want a signed copy of my social security card? With regard to identity theft, what will Alliant do with a copy of my social security card and use it for? What statute requires that I must provide a copy of my signed social security card to Allied Credit Union in order to open a savings account? Why is Alliant Credit Union putting me through different processes as everyone else?
11/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 10036
Web
On XX/XX/2022, my spouse wrote me a check with an amount of {$6000.00} and I made a mobile deposit on Alliant Credit Union ( Alliant ) mobile app, however my spouse forgot to transfer enough funds from his savings account to checking account, thus this check was returned by Alliant and incurred negative balance on my Alliant checking account ( since I transferred around {$5500.00} from Alliant XXXX XXXX XXXX XXXX Bank after the mobile check deposit ). On XX/XX/2022, my spouse wrote me a second check with an amount of {$6000.00} and I made a mobile deposit again on Alliant mobile app, try to make the account balance back to positive. On XX/XX/2022, I tried to log in to my Alliant Online Banking and found that the account was restricted. On XX/XX/2022, I called the customer service of Alliant, and the representative told me : Dont worry, we restrict your account because your account is overdraft and if you can make a deposit and we will release your account. She then provided me the details of the account on how to receive a wire transfer, including account name, account number, XXXX number and etc. On the same day, my spouse used his account and sent a wire transfer of {$6000.00} to my alliant account. One hour later, I received another call from Alliant and a second representative told me that my account will be closed since I was tried to use this account as a hub to transfer fund. I told her that I just transferred once from my Alliant account to my account at XXXX XXXX XXXX bank. And she still insisted that the account is closed and the wire transfer from my spouse was rejected and returned. Now I can not get access to my Alliant account and my husbands account was also restricted due to the check and wire transfer were returned by Alliant triggered alert.
08/05/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 94607
Web Older American
Alliant Credit Union had promotion offer in XX/XX/2023 on their website to give {$100.00} bonus with requirements. I downloaded the complete offer page and attached it to this complaint to show the original terms for the bonus. It listed three steps to get the bonus. I followed all of the three steps but did not get the bonus. The step 3 requirement in the offer says Have a minimum daily balance of {$1000.00} by XX/XX/2023 and maintain that minimum balance through XX/XX/2023. Then, you'll receive your bonus deposit within four to six weeks. After I followed the link on the offer page and opened my account on XX/XX/XXXX, I deposited {$1000.00} on XX/XX/2023. I maintained this balance through XX/XX/2023. This should qualify the requirement. However, I did not receive the bonus. When I called Alliant they told me that I did not have average daily balance of {$1000.00} for the whole month of XXXX. I told them this is not the requirement in the offer for the bonus. My understanding for the requirement is that I need to deposit the {$1000.00} before XX/XX/2023 and keep it through the whole month of XXXX. My friends all have the same understanding as mine, and they did the same thing as I did, and they all received their bonus in XXXX. But I did not. I made many phone calls for a whole week and talked with several Alliant representatives. I also talked with a supervisor two times. During each phone conversation I was told they would submit to the back office for review. But each time my request was denied by the back office. I have no choice but file this complaint. I have been stressed for more than a week and spent a lot of time on this issue. I am asking for the {$100.00} bonus plus {$300.00} for all the time I spent on this and all the stress I went through.
07/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 94116
Web
On XX/XX/XXXX, I was charged a {$99.00} annual fee for the Alliant Credit Union Visa Signature Card. The charge was noted with, " ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. '' ( XX/XX/XXXX through XX/XX/XXXX ). See attached XX/XX/XXXX statement. On XX/XX/XXXX, I was notified of a change in terms that reduced the annual fee to {$0.00}, along with new conditions to maintain the same level of rewards ( 2.5 % ), by requiring a {$1000.00} daily average balance in my checking account. These changes would become effective beginning with the XX/XX/XXXX statement cycle. No mention of what would happen to customers that had paid their annual fee beyond this date. See attached Change In Terms Email. On XX/XX/XXXX, I contacted XXXX through their secure messaging service requesting a pro-rated refund for the months of XX/XX/XXXX through XX/XX/XXXX, requesting a refund of {$57.00}. On XX/XX/XXXX, the refund request was denied. See attached refund request and response, along with an expanded dialogue ( the print function did not capture the full text of the request and response ) files. I believe this is an unfair situation because Alliant Credit Union benefits from an excess payment of an annual fee that no longer applies AND I must maintain an average daily deposit balance of {$1000.00} to maintain the same level of benefits that I had already paid for. In short, they are benefiting twice XXXX annual fee + deposit balance ) for what I have only agreed to pay once for. I paid $ XXXX for 2.5 % rewards and now they're changing it to my paying $ XXXX AND {$1000.00} average daily deposit. They benefit twice and this is not fair. I'm paying for a service and instead of delivering as agreed, they're taking more from me to achieve the same result.
02/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60440
Web
My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with Alliant Credit Union through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called Alliant and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to Alliant. Now Alliant is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXX XXXX and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and Alliant had only given me the last 4 digits of the account number, they could not help me. Alliant won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. Alliant allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.
04/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TX
  • 76021
Web
We sold our home and the loan with Alliant Credit Union was paid off on XXXX XXXX. Alliant rep XXXX said a check for {$4500.00} was mailed on XXXX XXXX for escrow overage. The check never arrived. On XX/XX/XXXX, I spoke with XXXX and he stated that I must give the check 30 working days to arrive. Called Alliant again on XXXX XXXX and was told by XXXX that the check was sent to our address of the sold home and it most likely would not be forwarded to the new address. She suggested a change of address and then would have check reissued. Change of address form was emailed on XX/XX/XXXX. Still had not received the check by XX/XX/XXXX. Phoned again, spoke with XXXX and asked to speak with a supervisor. Spoke with supervisor, XXXX, she said they never received the change of address. I emailed second change of address and was told the check would be reissued the next day. Phoned on XX/XX/XXXX and spoke with XXXX, she stated that the address change was processed and the check was reissued that day. Stated to give the check 15-30 days to arrive. XX/XX/XXXX still have not received the escrow overage check. I asked to speak with a supervisor, spoke with XXXX who stated that their check writing department is " really backed up from people calling asking for checks ''. I told her that was an unacceptable answer and this needed to be resolved today. She said the best she could do would be to manually request another check and ask that it be expedited, stated it would take at least 14 days to arrive in the mail. Totally unacceptable that I have had to wait almost 5 months for my money and it still has not arrived even after multiple attempts to resolve. The company is taking no responsibility only stating that they are very busy!
08/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 92009
Web
I have a checking account with Alliant Credit Union. I issued a payment through their bill pay service on XX/XX/2019. The payment was sent via mail as a paper cheque and funds were immediately withdrawn from my account. The check was cashed by Alliant on XX/XX/2019. However the vendor claims to have never received or cashed the cheque. Investigation shows that the cashed cheque image has no banking stamps/information, nor was the cheque endorsed. I subsequently met with the vendor to pay in person ( so I ended up paying twice ). I asked Alliant to credit my account for the fraudulently cashed cheque on XX/XX/2019. They refused. I asked Alliant to investigate the fraudulently cashed cheque on XX/XX/2019. They refused to begin an investigation until I provided a notarized signed affidavit. I provided a notarized signed affidavit ( their form ) at my own expense on XX/XX/2019. On XX/XX/2019 Alliant contacted me demanding another signed notarized affidavit from the vendor claiming to not have received the initial cheque. Allliant provided no affidavit form this time. Simply demanding one to proceed. On XX/XX/2019 I spoke with an Alliant representative. Alliant refused to proceed without this affidavit. I can not force the vendor to provide this affidavit. I am not the vendor. I have no power over the vendor. Alliant understands that I have no way of forcing the vender to provide such an affidavit but refuses to proceed with any investigation or return the funds. It appears to me that Alliant failed to perform due diligence when cashing an unendorsed stolen cheque. They will not return the fraudulently obtained funds. Nor will they investigate the matter further. I'm not sure what else to do to get my funds back.
04/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NE
  • 68104
Web
My wife and I finalized our cash out refinance of our home on XX/XX/2022. We had done much work on our house and were able to refinance at a much lower interest rate and were also able to get a 15 year mortgage rather than the 30 year that we had previously. Both the original mortgage and the refi were through Alliant Credit Union. We, up until now, had been extremely satisfied with them as a loan servicer. We were able to stop renting and also bought a new car through them. Our new mortgage amount was supposed to be automatically deducted from our checking account as of XX/XX/XXXX, and every future payment would be on the XXXX of each month. The XX/XX/XXXX payment still has not been deducted. When I log into their mortgage payment website, the information that is displayed is our old mortgage information. We can not pay our new mortgage amount. On XX/XX/XXXX I contacted the person who I dealt with at Alliant for the refinance and she said she would communicate with the relevant dept. A week later I had still heard nothing so I contacted another loan officer who we had worked with in the past. He too said that he would contact the relevant dept and copied my on the email chain. As of today we have still heard nothing from Alliant. Prior to sending this complain I emailed and text them again to see if I could get an update. One replied that the loan was being handled by a 'sub-servicer ' and that I would need to contact them. So, before I contact them, I want to open a file as this can not be an acceptable way to handle a mortgage. If we hadn't paid our first payment, then they would surely report us to the credit bureaus ... but if they do not properly handle our payments there must be some penalty for them.
07/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • UT
  • 84780
Web
In XXXX XXXX XXXX I called Alliant Credit union because I was not getting 2.5 % cash back. I had done and was doing everything the representative told me to get the 2.5 % cash back. In XXXXXXXX XXXX XXXXXXXX noticed I was getting 1.5 and not 2.5. I Called Alliant and they fixed the issue and apologized for not giving me the 2.5 % and credited me the correct amount. I was told at this time I was on 2.5 % cash back and would remain at that cash back rate as long as I followed all the rules. ( have a balance of {$1000.00} make a monthly deposit and have E statements ) I have followed all of these rules ever since the phone call in XXXX but I was placed back on the 1.5 % cash back. I called XX/XX/XXXX to make sure I was still on 2.5 and found out I was on 1.5. The representative told me he could not see a reason I was not on 2.5 and would contact me and let me know the results of their research. Nobody called me and today XX/XX/XXXX I called and was on the phone for around 1 hour trying to have someone explain to me why I am not at 2.5. After several explanations that changed several times I was told it was because I didn't have a balance of {$1000.00} in my account for a few of the months this year. However when I had the representative check my balance he confirmed that I have always had over {$1000.00} balance. He told me he is going to have to do more research and get back to me... .This is what I was told before so I am skeptical anything will come of it and I am afraid this company is cheating me and other customers out of 1 % almost 1/2 the cash back they are promised. In addition to this I have had to spend 15 plus hours on the phone just to try and correct the mistakes Alliant credit union has been making.
01/10/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • TX
  • 78634
Web
Dear Consumer Financial Protection Bureau, I am writing to request immediate assistance in resolving an issue with Alliant Credit Union. In XXXX, I elected for distribution of funds from my XXXX retirement account, which was held by XXXX XXXX, in the amount of {$100000.00} ( Pretax ), {$75000.00} of which was supposed to go to my savings account and {$25000.00} to my XXXX IRA. However, Alliant Credit Union has deposited the {$75000.00} into my XXXX IRA and {$25000.00} into my savings account. I want to inform you that XXXX XXXX, whom I elected the distribution from, has tried to contact Alliant IRA Division multiple times but they have not had any luck either. They have informed me they are ready to handle the correction as soon as they can get in contact with an individual at Alliant. However, I have made multiple attempts to contact Alliant for which i've been placed on hold for 30+ minutes at a time and then disconnected. This lack of communication and inability to resolve this issue is unacceptable. This error is not my fault and I expect it to be corrected immediately. I understand that there may be penalties for withdrawing funds from my Roth IRA account, but in this case, it is not my mistake and I should not be held responsible for any penalties. I have not made the transfer myself, as any penalties from withdrawal of the funds aside from 10 % tax withholding is not acceptable as this is not my mistake. I would greatly appreciate any assistance you can provide in resolving this issue. I have tried multiple times to reach out to the bank but with no luck. I expect prompt attention to this matter and a resolution as soon as possible. Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX
02/16/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • NY
  • 14120
Web
I applied to Alliant Credit Union for a HELOC for {$110000.00} on my property on XX/XX/22. Please see the attached Adverse Action Notice. I was informed on XX/XX/22 that I was conditionally approved for only {$50000.00}. Upon calling and speaking with loan consultant XXXX XXXX ( finally reaching him about a month later ), he further informed me that this decision was made independent of my current income, assets ( including the expected value in my home ), and debt. I complained bitterly to XXXX XXXX, but, of course, it did no good. Alliant recorded this conversation. Alliants policy is that it will not extend credit to any person in any amount higher than what that person had before. So even when all its other guidelines are met, Alliant will still significantly downgrade loan amounts to consumers based solely on their past poverty. They called this Limited credit experience. Alliants decision in my case was even more ludicrous in light of the fact that I had {$110000.00} in total active credit card lines, a XXXX XXXX of XXXX, a credit history dating back almost 20 years, and numerous closed, paid-off car and student loans. Accordingly, I allowed my application to expire on XX/XX/22 and took my business elsewhere. To summarize, Alliants policy is not to loan {$100000.00} if the consumer has only borrowed {$50000.00} before in a single amount from any lender. So if previously a consumer only bought a car or part of a college degree, now they are not allowed to buy, refinance, or take equity out of a house through Alliant Credit Union. This policy of Alliants remains in place but should be changed to treat all consumer loan applicants equally and fairly.
07/29/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 721XX
Web
After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. IRS INSTRUCTIONS FOR DEBTOR. Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
05/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • TN
  • 38125
Web
I have two disputes for charges with a company called XXXX, a XXXX based company. On XX/XX/22, I made a payment of {$200.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$200.00}, a difference of {$4.00}. On XX/XX/22, I made a payment of {$76.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$78.00}, a difference of {$1.00}. XXXX 's third party agency that handles their credit card disputes through XXXX, never contacted me about the investigations and never sent any letters with their decision or findings. When I contacted Alliant 's Credit Card department on XX/XX/22, I was told that they contacted Visa and XXXX said these overcharges included foreign transaction fees accessed by Visa. If that is true, then why was this fee included within the total of the purchase, when they are always separate fees with a description of " foreign transaction fee ''. I have never had a foreign transaction fee charged within the purchase fee with this credit card. The Alliant Credit Card rep confirmed that foreign fees are always a separate charge and said she could not explain why I was charged this fee within my purchase price. I need proof in writing other than " XXXX said so '' to show that these fees are legit and were charged correctly. I was told that XXXX can take my money and pretty much do what they want to do with it by the bank XXXX And that Visa can report these fees in whatever way they choose, even if its not clear or in writing to the consumer. If these charges are legit, I need something in writing proving this.
06/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • WA
  • 991XX
Web
On XX/XX/XXXX, XXXX XXXX person was sent to our home, who brought closing documents for us to sign. We are been charged for this service we were not allowed to find this service on our own which would have cost a lot less. We did sign these documents on XX/XX/XXXX. One of the items, in these documents, listed in " Closing Cost Details '', lists numerous charges, as well as a list of our accounts, which XXXX insist on paying off for us, using proceeds from the loan. As I am writing this response, it is Monday, XX/XX/XXXX, XXXX XXXX, PST, none of the accounts listed in Payoffs and Payments section are paid off! Only the cash small part of the loan, that is due to us, was deposited in our account today. This is todays response from XXXX : I apologize for the delay, the last communication I received from the title company was that your loan was in queue to be released. I have no control over the time it takes it release the funds or for the receiving party to process payments received. I have requested status updates from the title company again this morning and will forward the response. And then response from the title company : This has disbursed. Thank you for partnering with XXXX! We didnt choose this title company- XXXX did! We are forced to pay for these services directly and now by paying an interest for the loans to be paid off and the loan used to pay it off at the same time! I wonder how much of money from " Prepaid Interest ( {$21.00} per day from XX/XX/XXXX to XX/XX/XXXX - {$130.00} XXXX expects to collect from us, while we paying interest in the accounts, they were supposed to pay off by XX/XX/XXXX!
03/31/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CO
  • 80504
Web
* Alliant Credit Union fairly recently switched to a new online portal, and in doing so they broke my Autopay, and they never informed me until I received a threatening letter stating that my loan is delinquent. * I've attempted ( many times ) to fix the autopay, but the website is still having some kind of bug that prevents me from getting the autopay working, with an error stating that Autopay is already configured, and I must call support for further assistance. * I've contacted support many times both via phone and secure online messages asking for this issue to be rectified but I get no where with Alliant support. I have wasted hours of my time trying to get this resolved to no avail. The website has a bug and support is unable to get my AutoPay working again. *Alliant is charging me late fees. I have always had autopay enabled and I have never missed a payment until they broke my autopay during the transition to a new portal ... * Furthermore, when I initially set up my autopay, I had set it up to pay a bit more than the monthly expected payment and there was an option that I selected to have the the remaining extra payment applied to principal. After further examination since the issue above happened, it appears that my extra payments towards principal actually was not being applied to my principal. *Alliant has yet to provide me with a loan amortization schedule that dates back to my first payment, and am unable to reconcile my account because online statements do no go back far enough. I have asked Alliant to provide me with ALL statements since loan inception and they still have not sent it to me.
08/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • CA
  • 90241
Web
On XX/XX/XXXX I entered into a purchase agreement with a private party for the purchase of a XXXX XXXX XXXX. I started the loan process with Alliant XXXX Credit Union on XX/XX/XXXX. At their request, I provided all required items. Alliant kept sending separate requests for items instead of one request with all items needed to close the loan. The communication between XXXX XXXX and myself was horrible. Many times I reached and did not hear back, left multiple messages and even spoke to his manager XXXX. None of these avenues provided any successful results. After multiple unsuccessful attempts, after providing everything they asked for, I reached out to customer service and asked to work with someone else. At that point, I began working with XXXX XXXX on approximately XX/XX/XXXX. XXXX asked me for additional information including another payoff statement and additional paystubs. Again, I provided all items needed including an updated buyer/seller document ( already previously completed ) and waited. I waited a few days and nothing. It is now XX/XX/XXXX, well over a month since I began this process and today, Alliant CU advises me that can only cover 90 % of the car. The value of the car is XXXX but they have stated those can decide to use the value or the purchase price and theyve opted to use the purchase price with no explanation and have asked me to come in with XXXX down. I feel discriminated, I feel like my time has been wasted, I feel they misrepresented their process and at the 11th hour changed the terms on me to a less favorable option in an effort to deny my loan.
08/02/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98371
Web Servicemember
Since XX/XX/2022 we have been paying on a loan for a XXXX XXXX trailer. Most of the payments are being applied to the interest and not the principal. I have submitted extra payment to get the principal down to reduce the amount of interest, but even that has been going toward the interest and not the principal. In XXXX month, none of the payment went to the principal, it went entirely to interest. Granted I agreed to a higher interest rate pending a refinance, but I figured that the interest rate would be ok but not this bad, especially with overpayments not being applied to the principal. Since we started the loan, XXXX opened on XXXX the current balance is XXXX so only XXXX has gone toward the principal, and over XXXX has gone toward the interest. So, they are getting their total interest on the loan upfront instead of a daily balance or other computing method. I believe that the action of Alliant Credit Union is hurting consumers and placing an undue burden on consumers by this type of accounting and I have never seen any financial group not apply overpayment to principal balances. I have sent a request to apply my over payments to the principal and notified them that all previous payments are in question and that I want a review of my account. I also believe that this type of action should be looked at to protect consumers from these types of financial groups that think they should be taking advantage of consumers in this way. I am looking at refinancing this loan as well because of the actions of XXXX and no longer wish to be associated with this company.
10/14/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • NC
  • 27526
Web
I received an RV loan from Alliant, through the RV dealer, in XXXX XXXX XXXX After several months, I noticed that my balance was not decreasing. I had asked for an explanation, and the representative stated " Our consumer loans ( for example, car loans and personal loans ) are simple interest loans. When a payment is made to the loan, any interest that has accrued since the last payment was made always gets satisfied first, and then the rest of the payment amount will be applied to the principal balance. '' My payments are due on the XXXX, however I sometimes wait until the XXXX to pay. Each payment shows a wild variance in how much of my payment is applied to interest versus principal. I have printed out an reviewed each payment made, and subsequent change in allotment to principal versus interest. It looks as though they are double-charging for days of interest, and no explanation has been provided as to why. I requested an amortization schedule and discovered that my balance, based on on-time payments, should have decreased by about {$2000.00} over the past 12+ months. That has not happened. In fact, my balance is roughly the same as the original, if not MORE. Something is not right here. Either they are purposely mishandling payments, double-charging interest on several days a month, or I got roped into a loan I didn't fully understand by a shady dealer. To be clear, I have never been more than 15 days late on making a payment. I have never gone 30 days+. All payments have been made, yet no progress has been made on the loan. Thanks for your help.
01/01/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • TX
  • 77095
Web Servicemember
I ordered a XXXX XXXX XXXX on XX/XX/XXXX and applied for a loan with Alliant Credit Union that initially approved my XXXX XXXX XXXX. The transaction from Alliant to XXXX XXXX XXXX to the delivery guy and then back to me all confirmed ( even on their XXXX.XXXX platform ) that the transaction from Alliant to pay the full amount of the XXXX XXXX XXXX was paid in full, showing on my profile that at delivery I owed XXXX {$0.00}. I took screenshots of the {$0.00} owed to celebrate the victory of my delivery scheduled, withy profile showing the trade in of my XXXX XXXX for {$1000.00} and XXXX XXXX insurance task completed. A few days before delivery/pick up, Delivery Specialist, XXXX, from XXXX calls me to inform me of the loan suddenly not being approved even though my profile and all of my paperwork showed that I owed XXXX {$0.00}. In the same week one of XXXX 's finance personnel from XXXX XXXX tells me that finance was " squared away '' and that we were " good to go with everything ''. Weeks turned into months, and I applied more than once with Alliant Credit Union for the Auto Loan with denials the second and third time all while the model order and vin that I ordered sat in transit, reflecting the total amount of the car being owed again. All screenshots can be viewed here of before and after transactional discrepencies that contradict original documents and agreements made. XXXX : XXXX Emails and confusing text messages of the XXXX and Alliant Credit Union staff can be provided via XXXX XXXX, XXXX XXXX XXXX, or any other cloud service of your choice.
11/13/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90302
Web
I have a debit card with Alliant Credit Union. I do not use the card often, but when I do ( say, every 4-8 months ) it is usually for larger amounts ( XXXX XXXX dollars ). Each and every time I try to use my card it is flagged as fraud and results in a long conversation with Alliant CU where the operator has to ask me a series of questions, then unblock my card, and then I try again. Often this is unsuccessful and has to be " unblocked '' again. Finally, this past holiday ( XXXX 's XXXX ) I attempted an ATM transaction and my card was declined at two ATMs. Alliant never called me, but they called my wife at her work. I tried calling Alliant directly, but I couldn't get a hold of anyone since they were closed for the holiday. I called Alliant a day or two later and the root of the issue seems to not be fraud alerts but the root of the issue is explained that Alliant 's debit card system requires ATMs to use the chip on my card for the transaction. However, Alliant is unable to tell me which ATMs will use my chip and which use the magstripe. In fact, even if I go to " in-network '' and " fee-free '' ATMs that Alliant themselves advertise, the card still. does. not. work. In the end, Alliant 's claim on their website of " 24/7 Acce ss '' using ATMs is patently false ( https : //www.alliantcreditunion.org/bank/high-yield-savings ). I am willing to consider driving to an ATM that meets Alliant 's " chip-reading '' needs, but they can not tell me any. So therefore, I am in the process of transferring my assets outside of Alliant. This is ridiculous.
06/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • IL
  • 60189
Web
I wanted to relay my recent experience with Alliant Credit Union I took out a car loan with Alliant approximately 4 years ago because the interest rates were so low. Payments were coming from my personal account on time every month. I use the car primarily for work and thus most recently switched the account to my corporate account. I received an email from Alliant on XX/XX/XXXX ( which I have proof-the actual email ) suggesting that there has been some fraudulent activity, and thus I was not taking calls from Alliant. My office manager put a stop hold on the payments to Alliant without my knowledge and thus my loan was overdue. I personally called their loan department 2 weeks ago to XXXX ( that is his name ), and he was extremely pleasant and offered to follow up with me, but he never did. I received a call from XXXX XXXX last Thursday. He was extremely rude and threatened to repossess my car. Because I no longer wished to do business with the bank, I immediately wired over the balance of {$38000.00} of my loan, which is what XXXX rudely told me to send over immediately or he would repossess my car. I tried to get an explanation of why I overpaid, as my ending balance on my statement was only {$37000.00}. I asked them to pay the difference to be paid back to be immediately. He also sent my information over to the Credit Reporting Agency, and since I monitor my credit ( which is over 740 ), I found out about it. My credit is now ruined because of the actions of the bank. I have notified them and sent over proof and they have done nothing.
09/02/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 92505
Web
I am a consumer, the original creditor. On XX/XX/2020, I the original creditor according to 15 USC 1692a ( 4 ), extended credit to my loan company, Alliant Credit Union at XXXX XXXX XXXX XXXX, XXXX, IL. XXXX, in the amount of XXXX for an auto loan, but with their fees and total, the credit union agency is charging me {$53000.00}. According to XXXX5 USC 1605 ( a ), the finance charge is the sum of all, so my car insurance, gap insurance was not included in the finance charge ( sum of all ). I requested a copy from Alliant Credit Union of my auto contract, Exhibit C, which is totally different than what I have from the day of the actual transaction, shown in exhibit D. The interest rate, the total amount is all different. This is FRAUD on all levels. Alliant Credit Union operates under the Truth and Lending Act, so why wasn't I not informed that they took my unlimited credit card to the federal reserve and was already paid in full. Not only was they paid in full, but they are coming after me for monthly payments. This auto loan is being reported on my credit report unlawfully without my consent. I am disputing this transaction because Alliant Credit Union not only stole from me but my reputation is totally ruined. I have included a affidavit of truth citing all XXXX violations, and also included an invoice, as well as a cease and desist stating what is needed. This is totally a complete violation of 18 USC 1028A. I also will include a copy of documents used and or exhibits in this report and also a copy mailed upon certified mail.
03/19/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Changes in terms mid-deal or after closing
  • TX
  • 750XX
Web
Purchased a XXXX on XX/XX/2021. Arranged for financing thru Alliant Credit Union. Sent final MVPA and VIN number to Alliant on XX/XX/2021. Received paperwork and agreed/signed security agreement for Loan 01 on XX/XX/2021. Took delivery of the car on XX/XX/2021 from XXXX - confirmed delivery. First payment of {$400.00} due and withdrawn from my bank account on XX/XX/2021 by Alliant. Original security agreement stated $ XXXX financing : 71 payments of {$400.00} ( final payment of XXXX ) at 5.470 % in exchange for {$42000.00} paid to XXXX on my behalf with first payment due on XX/XX/2021. XXXX, lender rep, on XX/XX/2021 stated that there was a computer glitch on the signed paperwork and that I needed to sign new paperwork for a new Loan 02. My previous payment was put into a pending account. The newly requested paperwork ( after I signed the security agreement, after I took delivery of the vehicle, after the first payment was drafted, and after XXXX said delivery is complete ) has financing of {$41000.00} : 71 payments of {$680.00} ( final payment of XXXX ) at 5.740 % in exchange for {$41000.00} with a first payment due on XX/XX/2021. I dont want to sign new paperwork for a new loan with worse terms for me after signing and agreeing with the lender and taking possession of the vehicle. The lender is claiming that this computer glitch on their end and errors on the Loan and Security Agreements and Disclosure Statements voids the previously signed agreement and that new terms are required. I disagree.
12/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AZ
  • 85296
Web
In XX/XX/2019, I initiated a transfer via Alliant Credit Union's website, to transfer $XXXX from my XXXX XXXX checking account into my Alliant Account. The app told me that it would be available on XX/XX/XXXX. In the past, each transfer I have made in this manner has cleared on the date that the app said it would be available. I logged into my account on XX/XX/XXXX and noticed the money had not transferred. Further, I logged into my XXXX XXXX account and them money had never left XXXX XXXX. I went into my transfer history and pending transfer list on the Alliant app, but no transfers showed. It appeared that the transfer was somehow deleted. So, I initiated the transfer again. Sure enough, the next day a transfer appeared, and a second one occurred thereafter. This second transfer caused the XXXX XXXX account to become overdrawn. The second transfer was returned, and XXXX XXXX charged me a $XXXX fee and Alliant charged me a $XXXX fee. All of this was because of the glitch on Alliant's end where the deposit did not clear when it was promised, but more importantly, did not even show as a pending or historic transfer. There was no evidence on the app that the transfer existed at all. I called Alliant on XX/XX/XXXX and requested these fees be refunded. I further told them that they should let their IT team know about the issue on their app with pending transfers not showing up. I was told a supervisor would contact me to discuss the issue. I was never contacted and the fees were not refunded.
05/16/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • IL
  • 60516
Web
On XX/XX/2022, I learned from Alliant Credit Union ( ACU ) customer service representative over the phone that my membership was terminated. All checking accounts were closed and all remaining fund was put in the saving account. They would not tell me the reason for the termination. They told me to only communicate with their Compliance department through paper mail only. No email, no phone, or other means of communication are allowed. They gave me the mailing address of their Compliance department. I took snapshots of my online account as the evidence of remaining fund. I initiated the ACH transfer to send the fund to my other banks. On XX/XX/2022, my XXXX account was completely gone. I could not even login. The ACH transfer that I initiated yesterday never get executed. The destination bank never received the fund. Therefore I sent a certified and returned receipt letter to XXXX asking them to release all my money in the saving account. On XX/XX/2022, I checked the XXXX tracking number and discovered that XXXX was not accepting the mail. It was sent back to the post office waiting for the pickup. At this point, I don't know why they did not accept the mail or if the office is still open. I have all my money there. This is the only money I have to pay for mortgage, utilities, food, and everyday expense. Without the access to it, many major negative consequences will ruin my life. Please help. I'll put the account number and other sensitive information in the solution that I seek
02/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • TX
  • 752XX
Web
I met XXXX XXXX on linked in and we became close friends he helped me get off XXXX we tried to create an orphanage that failed due to XXXX credit and their sabotage of multiple transactions xenophobic handling apocryphal fees and mishandling of transfers and we suspect hate crime i later became a security guard at XXXX XXXX to have my phone and record searched and sorted and verified no fraud on my end nor XXXX XXXX then XXXX XXXX also dropped our business then investigated us and determined no fraud no crime nor scam this then leads us to suspect fraud against foreign banks seniors and mentally ill like me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they lost thousands bait switched fees then charged me for a fraudulent check and say I owe them yet can't produce an image of the check and I would like them thoroughly investigated and will pay what I owe again due to my experience i do not trust them and feel the need for your assistance XXXX We need to access the files we are precluded from online banking yet they send us impossible links as a senior and mentally ill person this is hateful cruelty the representative XXXX XXXX only partially Sent incompetent data and attempted to bully me without acknowledge the theft on their part and bait switch practices please note I will pay what I owe but based on my experience with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I simply can not rely on the verification of Alliant Credit Union at all and would like them investigated please and thank you
03/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • AZ
  • 85710
Web
On XX/XX/2021, I submitted an application with Alliant credit union for their Visa platinum rewards credit card. Initially, I got message that I was approved for {$2500.00} of credit pending submission of documents about my residency status. I've been in the XXXX for over seven years now, initially 5 years on a XXXX visa and now I'm in XXXX of 6 years in XXXX status. Because the visa needs to be extended after the initial XXXX period, Alliant denied my application, arguing that I had less than XXXX year left on my visa. Because the visa is only going to be extended at the end of the first XXXX period, I'm not able to provide a " proof of extension '' that was requested by Alliant until XXXX. While it is lawful to consider immigration status to determine credit-worthiness according to the Equal Credit Opportunity Act ( ECOA ), Alliant stated that they generally do not lend to applicants with short-term immigration visas or work visas that don't have enough time remaining. This practice does not adequately consider that XXXX visas are usually extended up to 6 years ( at the end of the XXXX period ) and often result in application for permanent residence, not does it consider community involvement/duration of residency and thereby the applicant 's likelihood of repayment. In Alliant 's case, they don't even use residency status to factor it into their loan decision, but generally exclude applicants based on residency status, which is a clear violation of ECOA.
11/24/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CA
  • 90045
Web
The last person, among several before, that i spoke with was yesterday at XXXX PM on XXXX. HEr name was " XXXX '' and she was pretty indifferent in her tone of voice toward me and at the end of the day, unhelpful. This is now at least the third time or more that I have spent hours on the phone with SEVERAL Alliant Employees, and when she still refused to help me make a large deposit of money during the phone conversation, her exuse was that " many people are applying to aliant as one of their banks ''. My hope is that you see the condescending tone that comes across to the consumer, spending hours on end with dseveral employees, and all I get in return are various excuses that block me from simply opening up a new account, aside from my joint one from many years before. her overall attitude and disposition toward me was not very virtuous at all, and her tone and words came across that I was not important enough to be taken care of after the third or more time that I had called and was forced to spend MORE time listening to all of the blockage coming from each and every one of them in some way or another. At this rate, I might as well find another bank and I did mention this to XXXX before and instead of rectifying the situation, minus all of the excuses, she then talks about how other people have been applying. I'm just a number to them and it sounds like they don't want my {$6700.00}... So much for respecting the Law of Human Nature .....
01/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • DC
  • 20003
Web
My bank notified that they would be making changes to their bill pay service. I have been using these services to make automatic payments for years without issue. When the changes took place, I was prompted to add my billers again. In my recollection, at that time, I was only able to select a default address for the biller. I thought this should not be an issue, since my payments were always electronic, and I could find no way to edit the info. The next time I made payments, they were not posted to my credit card accounts within a week, and I was in danger of missing the due dates on XXXX accounts ( the auto payments generally take only a few days ). When I checked the bill pay records, it showed that they were mailed. The bank informed me that it might take XXXX business days for the checks to clear. By day XXXX, I learned that the checks were returned as undeliverable, and that my payments were late. I incurred nearly {$140.00} in interest and fees between the XXXX accounts, which I generally pay off monthly. The bank has responded that they notified customers to update their biller information, but I believe this was inadequate because the system was not prepared correctly for the update. I am including screenshots of my credit card statements to include the interest and fees, and also a screenshot of my bill pay record with the XXXX problem payments marked. The bank will have records of our communications in their apps messaging.
02/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • XXXXX
Web
Alliant Visa advertises a warranty extension feature. On XX/XX/XXXX, I submitted a claim for a broken vacuum, and was assigned a claim number, XXXX. Alliant apparently outsources this coverage to " XXXX XXXX XXXX, '' who sat on my claim for almost a month, despite their status page showing all documents had been received. When I called today, XX/XX/XXXX, I spoke with " XXXX '' employee # XXXX at XXXX XXXX XXXX they informed me they were waiting for and require a repair estimate. This vacuum, like many modern products, are not designed to be repaired and no companies exist to offer. XXXX told me that the only way they would even consider honoring the warranty benefit was if I either provided statement from a repair technician, or if I paid to ship the unit to XXXX XXXX XXXX, in the hopes that maybe they would decide that the unit was covered under the plan. They refused to even accept a phone video of the item. Only after today 's call, did I receive a demand to mail the item to them, at my expense. Mailing them the broken device is not a stated requirement of the benefit in Visa 's marketing materials. I believe this is a fraudulent series of tactics designed to make it exceedingly difficult or impossible for consumers to benefit from the advertised card features, and the federal government should do what's in its power to stop credit card companies like Alliant from this misconduct.
02/22/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 95037
Web
I had a credit ending in XXXX on file with a doctors office. On my 5th visit, the doctor failed to show up at the location noted in the 5 appointment reminders I received prior to the appointment date. I was charged a {$150.00} " no show fee ''. The issue is that the previous appointments were all virtual via video conferencing. The reminders for this appointment also stated it was virtual. However, the doctor traveled to a different state and failed to update the notifications their office sent to me. They expected me to arrive in person at their location in CA despite not telling me. I forwarded copies of the reminders to my bank ( Alliant Credit Union ). Alliant 's third party reps who handle charge disputes have agreed that I should not be liable for this charge, but state that the billing agreement I signed with the Doctor 's office has tied their hands. The rep suggested I contact Alliant directly ( which is where I started ). To my knowledge, the agreement does not cover the doctor failing to show up to the appointment. Attached are copies of the email and text reminders, both stating it was a video appointment. Also attached, is the " visit summary '' with the address of where the doctor was. This wasn't provided until after the appointment time had passed. I called the office and the secretary stated that this doctor had this same issue with several other patients.
03/08/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • MN
  • 55118
Web
On XX/XX/XXXX, Alliant mailed me a letter stating that Alliant would close my accounts. A copy of this letter is enclosed for your reference. On XX/XX/XXXX, Alliant disabled my online login and ceased sending monthly statements. In light of Alliants actions and its threat that it would close my accounts, I believed that Alliant did close my accounts. On or about XX/XX/XXXX, Alliant mailed a Statement of Account that indicates Alliant did not close my savings account in XXXX. Unbeknownst to me, Alliant retained {$54.00} in my savings account. A copy of the XXXX of Account is enclosed for your reference. The Statement of Account indicates that an inactive fee, escheat fee, and dormancy fee were charged against my account in XXXX to bring my balance to zero and close my account. On or about XX/XX/XXXX, I mailed a letter to Alliant similar to this complaint, asking Alliant to return the {$54.00} it wrongfully withheld from me. As of XX/XX/XXXX, I have not received any response. Since Alliant wrongfully withheld account statements, disabled online account access, and informed me that my accounts would be closed, I had no way of knowing that Alliant kept my account open after it claimed it would close my accounts. Alliants decision to retain my {$54.00} was wrongful. Thus, I request that the various fees imposed in XXXX, XXXX, be reversed and that my {$54.00} be returned to me.
01/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • LA
  • 707XX
Web
I, coming in proper person, and as a consumer and natural person expressed A dispute and billing error notice that was sent to Alliant Credit Union on XX/XX/XXXX at XXXX hours regarding two items that was not what they were guaranteed to be by the seller/merchant, XXXX XXXX XXXX The first disputed item was in the amount of XXXX USD charged on XX/XX/XXXX. The second disputed item from this merchant/seller was in the amount of XXXX USD also charged on XX/XX/XXXX. The total dispute was XXXX USD. On the initial attempt to dispute I was directed by Alliant Credit Union reps to attempt to work this issue out with the merchant. After reaching out and getting a response from the merchant stating that they were awaiting the fee schedule to return payment I forwarded this info to Alliant Credit Union Dispute Team @ email address : XXXX on XX/XX/XXXX @ XXXX hours. I received a response from that email @ XXXX hours on the same day stating " Thank you for your inquiry. We have received your email and it will be forwarded to a Chargeback Analyst for review. '' It has been almost 3 months and I have not been granted my reimbursement even with the founders of XXXX XXXX going public on social media expressing the intent refund alls consumers who purchased the items. The link to this public announcement was attached in the email sent to the Alliant Credit Union via XXXX.
11/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 94133
Web
I have had an account open with Alliant Credit Union since XXXX of XXXX ( over 12 years ). In XXXX of XXXX, they closed my checking account without any prior notice. After 3 calls with customer support ( 3 days in a row ), they refuse to tell me why the account was closed, citing that they thought that I had used the account for business purposes hence violating the terms of service, but only a person in the responsible department can answer the exact reason. This was strictly my personal checking account, never used for business purposes, but they refused to tell my the reason they thought I violated the terms. Every time that I called in, they stated that the department in charge of shutting down my account was " busy '' and would call me back. I never received a call back and all of my external accounts are not getting paid now ( mortgage payments, credit card payments, etc ). They claimed that a letter was sent to me months ago warning that the account would be closed, but it was never received. I check every letter from the banks, and definitely did not receive a letter about this from Alliant. Also no phone calls, emails, texts. No communication that my account would be closed so it was a big surprise to me, and now I am left frantically working to open a new account with a different bank to transfer funds to make my scheduled payments.
04/03/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • DC
  • 200XX
Web
Alliant Credit Union is the worst financial institution I have ever dealt with, in more than 25 years. I signed up for their Alliant Cashback Card, which awards unlimited 3 % cashback during the first year on all purchases. Within a couple of months, I received notice that they were changing their terms to cap the cashback only to the first {$10000.00} in purchases each month. Even more troubling, they make it very difficult to access your cashback. If you don't have another account with Alliant, your only option is to request a credit to your credit card balance. But they intentionally throttle these request -- in tiny print on their website, it says : " Cash Back rewards applied as a statement credit to your card may take up to two billing cycles depending on the date redemption is requested and the closing date of the billing cycle. '' I did not see this small notification, and so for two months I paid my account balance in full minus the amount of cashback I processed as a statement credit. Because of the intentional throttling, they charged me {$180.00} in interest. And although I spoke with multiple customer service representatives, including two different supervisors, they refused to refund any of these interest charges. Their position, which is absurd, is that they lack the discretion to ever refund any interest charges.
07/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 707XX
Web
Alliant FCU has continually attempted to collect a alledged debt from me that I am disputing. I am a federally protected consumer and I have reason to believe Alliant FCU has violated my rights as a natural person. I had a consumer credit transaction with them and now they are alleging that I owe a alleged debt on an account that has been allegedly charged off, which the alleged charged off amount is incorrect. They also have admittedly reported private consumer information about the consumer credit transaction to the consumer reporting agencies without my express written consent as required by law. I have reason to believe was done in order to coerce payment on extension of a credit, which is a violation, criminally and civilly and violators shall be fined or imprisoned not more than 20 years, or both. Lastly they stated in communication that they have confirmed that the information they have reported about me to the consumer reporting agencies was accurate. Therefore I am requesting the details on how they verified that the alleged debt was valid. What means they took, who they spoke to, what dates, and what was the communication details of those actions ( what was said or done ). I am simply asking them to provide proof that they have not committed fraud against me. If they can not provide that valid proof then I demand remedy.
08/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 90046
Web
I called Alliant for service and phone operator did not provide service. I asked for a manager but phone operator said she is the highest point of contact there is no manager abover her. At that point of time I have responded appropriately to the crooked phone operator for the intentional disservice. Following which I wrote a complaint against Alliant via XXXX. Alliant Credit Union has closed all my accounts because I reported them to XXXX. Alliant stated in their XXXX response " We will coach representative after reviewing that call ''. This indicates Alliant agree their phone operator did not do the right thing. Hence I marked the XXXX complaint as resolved, following which Alliant sent me a letter stating they have decided to close all my accounts for " my '' behavior during that phone call. This is contradictory to what Alliant have said in their response via XXXX. If they realize and confirm in writing that their phone operator needs to be coached, then why would they be closing all my accounts. This is only an adverse reaction from the business for me writing a complaint through XXXX. The crooked XXXX at Alliant are very clever, they first sent me a misleading response via XXXX platform so I mark the publicly viewable complaint as resolved and after I did so they went ahead and closed all my accounts.
07/30/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MO
  • 63108
Web
I opened an Alliant Signature Visa credit card in XXXX, at which point the annual fee was advertised as {$59.00} ( with an associated cash back reward of 3 % ). In XX/XX/XXXX, they increased the annual fee to {$99.00} ( with cash back of 2.5 % ). I am required to pay my annual fee in XXXX of each year. After paying my {$99.00} annual fee in XX/XX/XXXX ( for the year covering XX/XX/XXXX - XX/XX/XXXX ), Alliant changed the terms of the card again in XX/XX/XXXX. They have now eliminated the annual fee, as well as the associated cash back reward of 2.5 %. Despite the fact that I've already paid my annual fee covering XX/XX/XXXX - XX/XX/XXXX, if I wish to maintain my cash back reward of 2.5 % after XXXX they are requiring me to open a separate Alliant High-Rate Checking account, maintain a balance of {$1000.00} in that account, and have a monthly deposit in that account. After charging me an annual fee of {$99.00}, they are changing the terms of my card -- midway through the year -- and eliminating the benefits I paid for through that annual fee. I must now meet new requirements, as if I were a new customer, in order to get the benefits I already paid for through the second half of my annual cycle. I would like for Alliant to refund my annual fee, which will no longer confer the benefits I originally paid for.
05/19/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • IL
  • 60657
Web
On XX/XX/XXXX I contacted my bank after I saw 14 courtesy fees each for {$28.00} imposed on my checking account. I did not opt in or agree my bank to allow any debit card transactions to go through, if I didn't have the funds to cover the costs. The customer service rep that I had spoke to stated that is a service at their Bank provides. Again I had told her that I did not agree to allow this. First she said she would reverse the fees but then she said she would need to ask her supervisor. She put me on hold for 40 minutes and never came back and I have not been able to talk to anyone to resolve the issue. I looked at my account online and the bank enabled courtesy pay ... I did not. Furthermore on my account I have a notice that says the usps has notified the bank that my address on file is incorrect ... .my checking account will qualify for courtesy pay ONCE MY MAILING ADDRESS IS UPDATED. I have changed my address with Alliant many months ago. Thus my address has been incorrect for many months prior to XXXX when the fees where imposed. I have included a picture of the notice on my account taken today. Dates of fees imposed in my checking account : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
06/16/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MN
  • 55446
Web Servicemember
Ive submitted a previous complaint with this company. Now I have another one! After much time, frustration, and contacting various organizations ( like CFPB ) for assistance Alliant Credit Union finally did allow for a safe virtual inside inspection for our home refinance due to the pandemic. We also went to closing on XX/XX/XXXX with a mobile notary coming to our home and us signing documents on our front lawn outside, with masks, and engaging in social distancing. However, it took a few additional days for me to receive my cash out funds after closing and some documents that we signed were not correct. And most importantly, Alliant Credit Union withdrew my old monthly mortgage payment of {$3500.00} on XX/XX/XXXX XXXX weeks AFTER closing on new loan which should not have happened! To date Alliant Credit Union has NOT redeposited these funds back into my bank account. I have email correspondence from Alliant saying they incorrectly withdrew these funds and these funds are supposed to be returned but have not yet done so!! My home mortgage refinance continues to be problematic with Alliant Credit Union. They should not be allowed to conduct business the way they do! Please let me know what recourse I may have with this mortgage company. Thank you again for your help, XXXX XXXX XXXX
03/15/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • CA
  • XXXXX
Web
This issue pertains to Alliant Credit Union ( Charter Number XXXX ) with address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, lL XXXX p : XXXX f : XXXX alliantcreditunion.com My member number is XXXX. Their compliance department sent me physical mail indicating the following : " In accordance with Illinois Statue 205 ILCS 305/15 ( 3 ) allowing for member expulsion, more than 2/3 of members present at the annual meeting of the members voted to expel your membership. Therefore, pursuant to Section 22 of the Alliant Membership and Account Agreement, your Membership will be terminated on XXXX. '' The problems with this are as follows : 1. There is absolutely no detail on the credit union 's website nor were any letters sent pertaining the annual meeting such as ( a ) when it will occur ( b ) where it will be held ( c ) the agenda 2. According to Illinois Statue 205 ILCS 305/15 ( 3 ) : " ( 3 ) Any member may be expelled by a 2/3 vote of the members present at any regular or special meeting called to consider the matter, but only after an opportunity has been given to the member to be heard. '' With regards to the statue above, I was never given an opportunity to be heard during deliberation regarding member expulsion. No attempt was made to contact me via email, telephone, nor physical mail.
06/22/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • XXXXX
Web Older American
Contacted Alliant on XX/XX/XXXX to dispute a {$250.00} XXXX XXXX XXXX. On the phone I was advised it was a rate reset fee applied on XX/XX/XXXX although it showed on my bill as XX/XX/XXXX. Disputed this because my rate was not reset & XX/XX/XXXX also coincided with their notice of service transfer to another entity also owned by Alliant. I had no say in that transfer and previously complained about it when XXXX notified. I followed up my call @ XXXX with XXXX with an e-mail questioning the charge. When I had not heard from them by the XXXX of XXXX, I called again. I spoke to XXXX who showed nothing on the account so he sent me an e-mail from where I should be sending the inquiry. I in turn sent a XXXX letter to that e-mail. The following week, via regular mail I received XXXX letters XXXX dated XX/XX/XXXX the other dated XX/XX/XXXX. Both letters were exactly the same content. They had received my inquiry & will make every effort to provide a response as promptly as possible, and will certainly do so within the time limit required by law. To this day XX/XX/XXXX I have not heard a response & I continue to believe the charge is unjust because Alliant initiated the transfer not me. I would hope you can get.a response in 15 days because it has been over 8 months for me.
07/07/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • CA
  • 94598
Web
An annual fee of {$50.00} was attached to my HELOC beginning of XX/XX/2023. I was not aware of the situation as I have never used the HELOC and it had a {$0.00} balance. I never received a phone call nor a billing statement aside from electronic ones which was hard to access and not easily get to on the phone app. I use the phone app to alert me of my balances. Alliant 's application continues to erroneously show {$0.00} on my HELOC which led me to believe there was no fee. However, they automatically had already attach the fee without me noticing then proceeded to report it to credit bureau after 30 days. This is not a reflection of my credit worthiness nor is it a result of my inability to pay. This was due to a lack of notification and transparency around an annual fee that the company automatically attaches to my account. This issue has drastically reduce my credit score whlist I'm in the middle of procuring a home loan therefore negatively impacting my ability to find a new home. All due to a {$50.00} fee that was not widely advertised, poor communication, and poorly designed application user interface ( see exhibit I attached showing {$0.00} balance this entire time ) I was relying on the app to remind me of payment obligations.
12/01/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NV
  • 89149
Web Servicemember
Back in XXXX I requested a payoff amount for Alliant Credit Union mortgage # XXXX effective XXXX received a Payoff Statement showing XX/XX/2020. I e-mailed the CU that I would wire that incorrect amount and we could adjust numbers later. I did that and paid off the mortgage on XX/XX/2020. I got another Payoff Statement showing XX/XX/2020 but using the same principal balance as the earlier statement. During the flurry of e-mails about this I started to doubt the numbers being provided and requested an audit three different times, but got none. So I downloaded an amortization schedule for this mortgage and performed a pseudo-audit. My numbers did not agree with the CU 's. I was told that interest is paid in arrears. I sent a full dossier by mail to the RESPA office ( same address as the CU ) which they received on XX/XX/2020. No 5 day acknowledgement of receipt or any other reply ever received. I sent a follow up letter to RESPA on XX/XX/2020 with the same results. Your instructions indicate not to include too much info, but if needed I can reproduce the entire dossier I sent to RESPA. I believe the property address is likely important so here it is : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Thank you for your help. XXXX XXXX XXXX XXXX
04/08/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OH
  • 44446
Web
On Thursday, XX/XX/XXXX I made a purchase to a private party through XXXX. The person failed to send the item and ignored my attempts for information. I contacted XXXX about this and they failed to attempt any recovery even after I filed a police report. I then contacted my bank and filed a dispute including the police report number. This transaction was in the amount of {$110.00}. My bank, Alliant Credit Union has informed me that they will do nothing and to resolve it on my own. I have had two other theft/fraud purchases that Alliant has given me the exact same response to. The second transaction was in the amount of {$120.00} paid through XXXX XXXX and again with a police report number they were unwilling to help. Finally another purchase through XXXX in the amount of {$75.00}. That XXXX not the bank would assist with even with a corresponding police report for theft/fraud. I included all communications with the private parties to the police to be included in the report. XXXX, XXXX XXXX, not Alliant will do their due diligence to research this theft and have done nothing as far as I can tell. I have received notices of XXXX decisions against my claim. I can provide communications between myself and the other private party.
01/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CO
  • 802XX
Web Servicemember
Alliant credit union courtesy pay service is not EQUAL to all members due to XXXX bank employees intentionally causing harm and discriminatory practices against some members like me. Their policy is not applied to all equally. I elected program because bank offered and every time I paid negative balance including fees. Suddenly alliant credit union management stated you are not eligible for courtesy pay until XX/XX/23 which is unlawful and outrageous including discriminatory because they didnt punish other bank members, bank shields some members while they intentionally discriminate against me. I did nothing wrong, bank courtesy pay policy is misleading, defraud to members & false promises. Bank accused me of violations of their policy but the fact of the matter is bank actually violated the same policy. All I am asking is that bank must be investigated and its policies and those policies applied equally to each person that has active accounts. I am damaged because I believed my transactions were being paid but I learned they were denied so how is it legal for bank to claim false and misleading promises, its beyond outrageous and unfair including potentially federal laws being violated by the bank. They ruined my life
08/31/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • GA
  • XXXXX
Web Servicemember
I continue to have issues with Alliant Credit Union that are unique to other creditors. I have an auto loan with them that is on auto deduction each month out of my checking account. My payments have been made on time each month because they are auto deducted. Recently I began receiving emails and call from them saying my payment was past due. I checked my only bank records and the payment has been paid on time each month. When I called Alliant they told me I'm {$110.00} past due because they added auto insurance to my payment which raised my payment higher than the {$300.00} per month so the payment I made was shown as short and not applied correctly. I have auto insurance and have had with XXXX for many years. The policy has never had a gap. Alliant never made me aware of the need for me to provide my updated policy. They added insurance ( even though I have always had coverage ) without my permission and added unauthorized charges to my account. They ask me to call a number and provide proof of insurance when I called them today so I called and gave them proof of coverage with no gaps. I called XXXX today and confirmed that I have had coverage with NO GAPS for several years. I'm attaching proof of coverage
02/23/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • TX
  • 76131
Web
Alliant requested an updated copy of my insurance. I provided this to them via the method of their choosing and uploaded it online. It said the next day additional information was needed and a phone call was required with their third party service. I did that and was told that everything was fine and good to go. These events are documented. A few weeks later I get a letter in the mail stating that I do not have insurance on my car and that they have force placed insurance on me in the amount of {$4800.00} that will be added to my car payment. Aside for providing insurance in the method of their choosing. I additionally demanded an email address that I can send a copy of to. They provided XXXX and I sent a copy there as well. In addition to this I had my insurance broker XXXX XXXX reach out to help resolve this issue. Alliant will not correct this issue. They will not put in writing that my due diligence has been fulfilled. At no point in time in my entire life has any of my autos ever had a lapse of XXXX second in coverage. They will not return my multiple email requests for WRITTEN confirmation. Alliant is XXXX breaking the law with their practices.
01/15/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • FL
  • 32233
Web
I received a {$99.00} card fee on my XXXX statement so I paid the outstanding balance of {$8500.00}. This amount was paid on XX/XX/20. I then contacted Alliant and told them I wanted to cancel the card because of the fee and asked that the remaining rewards of {$120.00} to be paid since the card was paid in full. I was then informed that if I cancel the card and don't pay the {$99.00} fee, that they would not pay me the earned reward use credit of {$120.00}. I escalated the matter to another supervisor, but was told that if I cancelled, I would forfeit the outstanding reward amount. I have been an active user of the card over the past year and always paid each month in full. This last month was no exception. It seems very deceptive and unfair that they would force me to renew a card that I don't want in order to receive the reward credit that I have earned. Attached you will see where I had the {$99.00} fee and then they refunded it but said I do not get the reward, so I told them to keep the card active until we could resolve this issue. That is why you see the {$99.00} fee twice. Any assistance in resolving this matter would be very appreciated.
03/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95377
Web
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide. I demand that the following accounts be removed at once from my credit report : Alliant Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.
02/11/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IA
  • 50131
Web
I received a mortgage with Alliant Credit Union in XXXX, and set up automatic payments at that time. My payments were automatically deducted from my checking account on the XXXX and XXXX of the month. After almost 4 years, beginning on XX/XX/XXXX, Alliant began returning my payments, long after the payments had been pulled from my account. They debited my checking account on time every month, and then returned the following payments at a later date listed below ; XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, and XX/XX/XXXX for {$2200.00}, XX/XX/XXXX for {$2200.00}. In XX/XX/XXXX, in order to resolve past due payments caused by Alliant returning my payments incorrectly, I pulled {$15000.00} from savings and paid down on the mortgage to clean up their errors. While this prevented any foreclosure action, Alliant reported my mortgage as past due multiple times. I have filed a dispute, but there are still issues outstanding on my credit, lowering my score significantly. The attached file shows the debits where payments were pulled from my checking account, and the credits when they returned the money.
05/27/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • MI
  • 48021
Web
Was told i was approved for credit card by Alliant Credit Union XXXX, IL on XX/XX/20. Then after submitting required documentation was then continually delayed and discriminated against ... My Employer even intervened to resolve what should have been a simple verification issue. But Alliant would not accept that even AFTER requesting multiple documents they were given AND making a call to my employer ... My Employer was called 1 time at XXXX eastern time after business hours and Alliant left no message. Employer then attempted to call back and then spoke with someone who would still not verify employment with my Employer! I have submitted SIX DIFFERENT FORMS of verification and they were still asking for more verification after they were not willing to actually verify with my employer. I received another credit card for the same amount and terms with a simple 2 minute online application ... I sure find it interesting that after i submitted my ID where my RACE was known the XXXX and delays started right away! Clearly Alliant Credit Union doesn't care about its members and it's very disheartening to have this problem.
02/20/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • IL
  • XXXXX
Web
I visited Alliant Bank 's savings account marketing page on their public website to learn about what rate they are presently offering. It shows only one savings account offered as of XX/XX/21, that pays an APY of 0.55 %. However, when verifying this against my own savings account at XXXX, I found that the rate was 0.0 %. I called Alliant to confirm this and spoke with a woman who identified herself as XXXX XXXX who said she works in the " member services '' department. She stated that my savings account has no marketing or other identifying name to differentiate it, that it is an account " that comes along with credit union membership, '' and that it pays no interest, despite the website marketing information to the contrary. After waiting on hold for 10 minutes while Ms. XXXX looked into this further, she returned and told me my current account type is " Primary Savings '' account, that I can convert it to a High-rate savings, account and insisted that the instructions were already on the company website as she claimed at the start of the call. However, she was unable to point me to where such instructions existed.
03/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • WY
  • 82007
Web
On XX/XX/2022 between XXXX and XXXX I went to a ATM machine at XXXX XXXX XXXX XXXX XXXX Colorado and attempted to make a {$5000.00} deposit as my bank is out of state so my credit union referred me to make my deposit at XXXX. I put my ATM card in the machine and then inserted the cash, The ATM started making a weird noise and spit {$2800.00} back and kept my ATM card and my cash with no receipt. I did not leave that machine, I called my bank they took down my information and assured me I would get my money back and they would give me a previsional credit in the mean time. On XX/XX/XXXX I logged into my account and my credit union took {$2200.00} back saying the case is closed and the ATM owner has no record of my debit card ever being used at that ATM, The machine ate my card they have my card, XXXX at Alliant Credit Union says I'm out {$2200.00} I asked if they did a count of the ATM and she said no that the case is closed. Please someone help me. My credit union could care less and when I asked XXXX if there is a chance I would not be able to get my money back she said the case is closed not caring at all.
04/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • CO
  • 80401
Web Older American
XX/XX/2023, met a man on the dating site XXXX. He immediately pursued me for over 3 months. We emailed, spoke on the phone, did XXXX XXXX, had spoken with his parents etc. Just found out XXXX hours ago, that he had stolen someone else 's pictures, lied to me and misrepresented who he actually was. Everything was a lie. He applied lots of pressure for me to help him, because we were a team... ..we 're in this together. Through the coercion, on XX/XX/2023, I wired {$45000.00} into a bank in XXXX XXXX. I've have filed numerous reports with the local Sheriff 's department here, the CO AG 's office, IC3, FTC, and FBI. I have made numerous calls to my credit union and have gotten nowhere. Mostly, they don't return my phone calls. I've been a member there for over 33 years. I have all emails and phone calls from him. He is still contacting me but I haven't led on that I'm aware of his scam. The whole situation has made me feel sick. I'm desperate to recovery my money. I will have to compiled all documents into a folder to be able to attach or forward them. I'm currently out of town until XX/XX/XXXX.
07/19/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • WA
  • 98335
Web
On XX/XX/XXXX, I was charged an annual fee of {$95.00} for my Alliant Signature Visa credit card ( with a stated period of " XX/XX/XXXX through XX/XX/XXXX '' to which the annual fee applies ). An important feature of this card ( and the sole reason I applied for, and use, this card ), is a 2.5 % " cash back '' feature on all purchases up to {$10000.00}. In XX/XX/XXXX, I received notice, that EFFECTIVE AS OF XX/XX/XXXX BILLING CYCLE, my cash back rate would be reduced to 1.5 % unless I opened an Alliant Checking account with various requirements ( e.g., minimum balance, minimum deposits, etc. ). Please note that this change will be implemented mid-way through the period for which my current annual fee " covers. '' In other words, they have charged me {$95.00} as an annual fee for the stated terms and conditions ... and midway through the period, have reduced/degraded the terms and conditions. I would like a refund of my annual fee since the features that I have already paid for ( via the annual fee ) are changing midway through the annual fee cycle. This is clearly not fair.
03/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89074
Web
Alliant CU, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, XXXX # XXXX, Amount {$8400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX CACS CC, AC # XXXX, DO : XX/XX/XXXX, Amount {$19000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$14000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$23000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
01/20/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • MA
  • 019XX
Web
Alliant Credit Union will not refund me GAP insurance refund when my car is paid off. XX/XX/XXXX : I purchased the vehicle and financed through the XXXX XXXX XXXX with GAP on the loan. Amount Financed : {$28000.00} XX/XX/XXXX : I refinanced the vehicle through Alliant Credit Union. The XXXX XXXX XXXX gave me the GAP refunds of unused premiums that I was entitled to receive, No problem. Amount Financed : {$27000.00} including the new GAP on Alliant Credit Union Auto Loan. XX/XX/XXXX : I refinanced the vehicle through XXXX XXXX XXXX but Alliant Credit Union refuses to give me pro-rated refund for the GAP. The payoff quote for {$25000.00} from Alliant Credit Union was not reduced by any refunds of unused premiums that I am entitled to receive. I called Alliant Credit Union multiple times to obtain the GAP pro-rated refund since I paid off my loan early/refinance but Alliant Credit Union still insists on stating that the GAP is non-refundable regardless of the fact that the loan is paid off early. Alliant Credit Union Loan Department doesn't reply to my emails.
02/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • MA
  • 026XX
Web
XX/XX/2021, received late pay and interest charge from Alliant Credit Union branded credit card. I called to complain not realizing that the credit card was not part of Alliant Credit Union, and was told that they have no record of autopay being setup, but refunded my late fee and interest charge. I immediately paid the bill in full via Alliant Credit Union website and made certain autopay was setup. Now, XX/XX/2021, I received a second late fee and interest charge, and was told this would likely go on my credit report. While talking to the credit card company again, I then realized that they were not directly part of Alliant and proceeded to call Alliant directly. Alliant stated that auto pay had dropped off last XXXX for some reason and were unsure why. In addition, they had no record of me paying the XXXX bill or setting up autopay online for a second time in XXXX and unless I had a screen shot, were not willing to guarantee this would come off my credit report ( I currently have a score of XXXX ) and were not willing to refund any of the penalties.
05/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • IA
  • 50265
Web
alliantcreditunion.com XXXX XXXX XXXX XXXX, XXXX, IL XXXX alliant credit union advertised a free {$200.00} gift card for opening and funding a new account. I opened a new account on XXXX XXXX. The promotion did say the offer would be limited to the first XXXX accounts. They continued to advertise the offer tor 10 days after I opened my account. The offer said it would take 2 to 3 weeks to receive card. on XX/XX/XXXX I sent a secure message to them telling them I had not received the gift card, got a response saying please wait 14 days, on XX/XX/XXXX I sent a secure message saying I had not received the gift card. Got a response saying it could take 28 business days and asking to confirm my mailing address. They later confirmed the address was what they had on file. on XX/XX/XXXX I called the customer service line and spent 40 minutes. They first told me I did not sign up through the correct bonus link, but later said they could see the bonus code had been added to my account, then said they would get back to me, that day. No call - no gift card
05/23/2019 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • 92026
Web
XXXX emailed me adverse action letter denying the application stating that they are unable to verify my identity based on the information provided. When they contacted me in an attempt to verify identity, they asked for last four of social security number, address, current employer and phone number. During application process I also uploaded my bank statement and 2 pay stubs. No other attempts to verify my identity were made. Their customer service stated that the information that I have provided does not match consumer report, but would not share what exactly did not match. I pulled up my credit report and offered them to send verification for the information on my credit report that they found not matching. They declined to release what exact information was not matching or accept any other forms of identity. I also asked if adverse action letter listed a correct reason for declining the application and they said that it did. XXXX is treating me unfairly and not providing true information on the reasons for declining the application.
02/01/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem accessing account
  • NC
  • 28031
Web
On Sunday XX/XX/2023, I logged into my on line account with Alliant Credit Union, Member care center : XXXX Corporate offices : ( Not open to the public. No branches or ATMs. ) XXXX XXXX XXXX XXXX, XXXX, IL XXXX When I log in, an access code is sent to my phone. I did not receive the text, and per the message online, I tried numerous times. I was then locked out of my account and called customer service ( in the XXXX of XXXX ), only to be told that the XXXX XXXX department would not be in till XXXX am on XXXX.I called Monday morning, was told there was nothing they could do, and it would take XXXX for the XXXX department to respond. Fast forward XXXX hours + to today, was just told again that I am unable to access my account, and they could not give me access and another " ticket has been sent to IT and hopefully by Friday they will have an answer. I have over {$120000.00} in XXXX 's with Alliant and this is an outrage that I have no access to my account, and it's been 4 days without an answer/correction to allow me to do so..
05/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • NM
  • 87144
Web Older American
I mistakenly set up an autodraft for my car payment to XXXX XXXX. Two payments were sent from my account before I realized the error which I quickly corrected, XXXX and XXXX of this year. I contacted my bank, then XXXX. XXXX can not find the money even though I have a prepaid monthly account with them! and XXXX is extremely poor in customer service having spent countless hours on the phone with them. My bank could care less. Most of the people working there give me the same pat answer. They do not have my back. I have no way to escalate the problem. They told me it's on XXXX while XXXX tells me it's my banks ineptitude. The bank I have been with for twenty years refused to cover me. Though it was my error they will not consider that fraud has now entered the picture. So currently, I am out of {$440.00}. I'm not trying to make excuses but since my husband died I have been mistake prone but in banking there is no room for human error or compassion. I get that. I'm not even sure I have placed this complaint in the right category.
03/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NJ
  • 07016
Web
On XX/XX/XXXX I wrote to Alliant Credit Union to close both my checking and savings account due to poor customer service. I received a response by email dated XX/XX/XXXX stating my savings account would have to remain open in order to maintain my membership even though I requested via mail to close the membership. On or around XX/XX/XXXX Alliant Credit Union deactivated my debit card and left me over 3 weeks with no access to my accounts which led me to close all my accounts with the bank. Today, I see a return check fee for {$25.00} on my account even though I have requested this account be closed and transferred all my money to my new checking account. Every time I call, I am on hold for hours trying to speak with someone. I can not continue to wait on hold due to being employed. I would like my accounts with Alliant Credit Union closed for once and for all and refunded the {$25.00} account fee as my account should have been closed and not open. I have written in a second time trying to close this account on XX/XX/XXXX.
10/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • MI
  • 48035
Web
I am writing to file a formal complaint against Alliant Credit Union for what I believe to be a violation of the Equal Credit Opportunity Act ( ECOA ). I applied for a consumer credit plan with Alliant Credit Union. Shortly after, I received an adverse action letter from the institution. The letter cited factors such as debt and accounts but did not provide a substantive reason for denying the credit transaction. According to the ECOA, creditors are required to provide specific reasons for adverse actions, and these reasons must be factors that were genuinely used in their decision-making process. I believe that the adverse action taken by Alliant Credit Union against my application was not only unjustified but also discriminatory. This action has caused me financial distress and undermines my rights as a consumer under the ECOA. I request that the CFPB investigate this matter thoroughly to determine whether [ Credit Union 's Name ] has violated the ECOA and, if so, to take appropriate action against the institution.
06/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60647
Web
I paid the {$99.00} annual fee earlier this year to Alliant Credit Union which should have been valid through XX/XX/2022. With the annual fee, the card was supposed to provide 2.5 % cash back with no restrictions. I received an email this week from Alliant stating that they are changing the terms of the card ( they did not provide 45 days notice ). The new terms are : there will no longer be an annual fee, the card will only produce 1.5 % cash back, to receive 2.5 % I would have to open a savings and a checking account and direct deposit monthly and have a daily balance of {$1000.00}. These restrictions were not in the original agreement. These would take effect in the XXXX billing cycle. Alliant used to have a similar card that offered XXXX % back with no annual fee. So these new " features '' are a severe downgrade. I contacted Alliant and asked if I would be refunded my annual fee since the card will no longer be giving me 2.5 % back and has many additional restrictions to get more than 1.5 %. They refused.
01/30/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MA
  • 013XX
Web
Company did not comply with TRID regulations and has not provided me with a loan estimate for my mortgage application. I applied on XX/XX/XXXX and was contacted by the loan officer on XX/XX/XXXX. After the initial email I didn't receive any additional information. I know the loan estimate must be provided within 3 days so on XX/XX/XXXX I emailed the loan officer to check the status. He replied on XX/XX/XXXX and stated " I did not receive confirmation that you are proceeding with the application and locking a rate therefore a loan estimate has not been sent. '' Neither rate lock or intent to proceed are required to issue the LE. Furthermore, how could I agree to proceed with the loan without seeing the terms on the estimate? I replied to the officer advising they had the 6 pieces of information needed to trigger an LE and he sent back a copy of the loan application as a PDF titled " LE '' which is misleading and frankly dishonest. It's now XX/XX/XXXX and I still do not have an LE to compare against other lenders.
07/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 92562
Web
Alliant Credit Union changed their program, eliminating the annual fee on their Visa cash rewards credit card. This was a great change! The problem is that they levied an annual fee, promising benefits for the next 12 months, and immediately changed the requirements. I have complied with the new requirements, but they have rebuffed my request for a pro-rated refund of the annual fee several times. My complaint is that they are not providing any benefits in return for the annual fee, thus it should be refunded. Pro-rating the refund makes logical sense, and it is much easier than staggering the start date of the new program according to consumers ' billing anniversary date. But at the end of the day, I paid for 12 months of benefits and only received 2 months worth. The annual fee of {$99.00} was paid on XX/XX/2021, and the letter announcing the new program was dated XX/XX/2021 and effective XX/XX/2021. Alliant Credit Union is not entitled to keep the entire annual fee if they are not honoring the terms.
07/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MI
  • 48105
Web
On Friday XX/XX/XXXX, I mailed a check for {$500.00} to the State of Michigan for the purpose of playing for state taxes. It appears that this check was stolen out of the mail, and the contents were written over with a new amount of {$5100.00} and written out to someone named XXXX XXXX. I have no idea who this person is nor have I ever made out a check for that large amount and never to an individual. Alliant Credit Union did not flag this transaction and I did not have a notice for this until the transaction was completed on XX/XX/XXXX. I contacted Alliant where the representative stated this will entail a 30-90 day transaction and the bank will consider crediting me this account in 10 business days. This amount stolen from me is so large it is financially crippling to me and I can not wait that long. Alliant Credit Union had an image of this check on the list of transactions for my checking account which I would have attached to this complaint, however this has since been deleted by the credit union.
11/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85254
Web
This is partially a follow-up to complaint # XXXX, to which the responding party has yet to provide an answer. After filing my dispute with Alliant Credit Union on XX/XX/2020, and NOT being issued a provisional credit, I filed a complaint with the CFPB for the lack of a provisional credit, which had never been denied me before. ( The Complaint also goes into deeper claims of a newly-instituted policy of $ XXXX/per item, which cost me {$360.00}. ) After filing my CFPB complaint on XX/XX/2020, I did receive a credit of {$130.00}, not the full {$160.00} being disputed. Today I have received a letter from Alliant Credit Union which states that I had been issued a provisional credit on XX/XX/2020, for the complete amount of my claim, {$160.00}. This letter is a fraud. I have attached both a copy of the letter alongside a detailed report of my checking account, which shows the fraud. I would like never to do business with the fraudulent company again, but I would first like back ALL of the stolen money.
11/29/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98662
Web
We have a home loan with Alliant that was started this year ( XXXX 2021 ). We set up an autopay for the mortgage to be withdrawn the first of each month from our checking account and am able to track that they have been successfully withdrawn at that time. However, I keep receiving notices from Alliant via postal mail stating that our monthly payment has not been made ( it is technically due the XXXX of each month ) even though it can easily be shown through our bank records that the transactions are taking place. So I am being charged late fees for mortgage payments that have already been paid well in advance. I have called multiple times to Alliant and they state they aren't aware of why I would be getting these constant letters informing me of late fees and that they can see that my mortgage is paid appropriately each month. However, the mail I'm getting keeps increasing amounts of total due for not only the " overdue '' mortgage payment but also late fees that are clearly in error.
05/12/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 33431
Web Older American
All of us " Retired Baby Boomers '' ( which increase XXXX / day ) who have lost their working income and now have SS benefits and assets. 1. We can not refinance our mortgages. 2. Refinancing which would give us monthly payments of half with the lower interest rates. A decrease from $ XXXX ( more than my {$1800.00} SS ) to {$950.00} mo. 3. Because we can not refinance some seek foreberance or worse. 4. So, I ask that you relax the re-fi rules for seniors so they can refinance their current mortgages without having to meet any old requirements. If, a mortgage is being paid and has been paid, why put anyone in a financial squeeze especially our seniors why not let all of us refinance. 5. This appears to be a win-win on both sides and if you run the numbers helps our seniors avoid forebeance or worse and helps the servicers etc ... ... ... ..Please! 6. This mortgage company sent me the attached ; they do not follow Cares Section 4022 and I have a complete record of how they do not.
04/20/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AZ
  • 85396
Web
I was looking for a credit card last year. They returned my call at a terrible time to go over my application. They said due to legal regulations they needed my wife 's social since arizona was a community property state. I told them I didn't have it, and I didn't want her name on it or her to have a card, he was very pushy. I told him I had to go and to just forget the whole thing, and if I wanted a card later I'd call back. When I got home I forgot all about it because I remembered I already had a credit card from another bank. ( After making some financial mistakes in my past, I don't really use credit cards any more other than to repair my credit so I can buy a house. We are getting ready to buy a house now, and I see that months later he actually did approve my application and give me a credit card which I do not want, or need and it hit my credit. The recording of the call will plainly show that I did not want them to proceed with the card and declined it yet it was opened.
07/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • HI
  • 96732
Web
I deposited a cash deposit of {$300.00} to payoff another account and the bank split my deposit into 2 amounts and {$75.00} and {$170.00}. I dont have any pending payments out. This is not okay as it will cause me to get more financial charges. Cash deposits are just that cash and should be available right away. This hold makes no sense except to make extra fees. I called spoke to XXXX and a bank XXXX which was a waste of time as they both asked for a receipt which I declined as I dont need the extra paper. Obviously if I am calling to complain this is not a legitimate hold I am complaining of illegal holding of funds they claim to have a payment not made since XX/XX/XXXX and this whole time I had {$22000.00} in my account to cover all expenses since XX/XX/12. They wait till now with my cash deposit of {$300.00} a month later to try and cover it. No this does not sound right a receipt should not be required since I was verified and obviously the one who made to deposit.
04/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 92782
Web
The Alliant credit card supposes to make a 2.5 % cashback on all purchases made before XX/XX/2020. Alliant Credit Union changed the policy to limited cashback to {$10000.00} per statement period starting on XX/XX/2020 on a letter dated XX/XX/2020. On XX/XX/2020, I make a charge of {$9900.00} on my credit card. They posted my transaction on XX/XX/2020. So Alliant didn't give 2.5 % cashback for all my charges from XX/XX/2020 to XX/XX/2020, as my purchase for the period is over {$10000.00}. Alliant included a charge I made on XX/XX/2020, of {$9900.00}. But this charges should be excluded from the limit as it was purchase before XX/XX/2020. They state that the transaction made on Thursday normally take couple of days to post, but when I look through my transaction, there are transaction made on Thursday that posted the same day or the next day. I called Alliant Credit Union regarding this and they were not able to give me the cashback on my XX/XX/2020 transaction.
06/10/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • CA
  • 96002
Web
I have a credit card with Alliant Credit Union. There is no option online to close an account, not even a mention of it. I called their customer service line in XX/XX/2020 Of all the options in their automated voice system, none of them included " close account. '' Still, I persisted and jumped through the myriad hoops to try and get to a live human. The first time I got to the " a representative will be with you shortly, '' response, my call was disconnected without explanation. The second time I got to that prompt, I waiting 17 minutes only to be sent to a ringing phone line. I stayed on the line and was sent to a full voicemail with no options ; again I was disconnected. The THIRD time I found myself waiting to speak to a representative, I have now waiting 26 minutes and have yet to speak to a person. It is apparently not possible to close an account, despite their ( false ) marketing that their phone lines are open 24-7.
04/10/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • PA
  • 19403
Web
Opened my account 14 months ago, faithfully made {$100.00} deposits as required every month for 12 months to receive a {$100.00} bonus per their promotion. I let the balance accumulate over the 12 months to over {$1000.00} before withdrawing {$500.00}. They have not credited my bonus, claiming my {$500.00} withdrawal made me ineligible because I was not allowed to make any withdrawals before the bonus was posted. That was NOT mentioned in the promotion which only highlighted " {$100.00} for depositing $ XXXX. for 12 months ( which I DID MAKE ) and also promoted " no minimum balance and fees ''. So unless they buried the balance requirement somewhere in fine print- which contradicts the big print, they're either mistaken or its misleading advertising. They should pay me the {$100.00} bonus I earned by following the $ XXXX deposit for 12 months which I did, or someone should file a class action lawsuit for deceptive advertising.
06/26/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • MI
  • 496XX
Web Older American
At closing on XX/XX/XXXX during my review of the loan documents I discovered that the loan amount had been changed to a lower amount then I applied for, and had been discussed with the loan broker. The loan amount change had not been disclosed to me prior to closing. I reached out to the loan officer to see if a mistake had been made on the documents and I was informed that the lender changed the loan amount. I informed the closing document signing agent that I would not sign the documents. I emailed the loan brokers requesting a loan amount increase. On XX/XX/XXXX I was informed by the loan broker that the lender would not increase the loan amount, I replied at this time that I would not go forward with the loan and I wanted a refund of the {$750.00} I paid for the house appraisal that the lender required prior to closing. The broker informed me at this time that there would be no refund, and I never received an explanation.
06/03/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • CA
  • 90250
Web
Alliant Credit Union Loan - 30 Year Loan Paid in Full On XXXX I paid off my loan. Rep. indicated that was going to take a few weeks to rec 'd title. on XX/XX/XXXX i accessed my account online, and notice there was an outstanding balance of XXXX. I called and spoke with XXXX, ( XXXX ) she mentioned there was an error in applying the balance, and opened a work order to correct issue. On XX/XX/XXXX, I spoke with XXXX, and the error is still not corrected, I was transferred to supervisor XXXX initials ( XXXX ), and assured me the error will be corrected, she also mentioned they open an accelerating ticket to fix error. On XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX, and error still not corrected, on XX/XX/XXXX I was transferred to another department and they hung up my call. As today, I sold my apartment and the title loan officer is trying to obtain copy of the payoff since XX/XX/XXXX with not satisfactory reply. Please help me
09/08/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 341XX
Web Older American
When I called Alliant CU about my bill pay and wire transfer. I got a run around, 1st I was told a false reason why my bill pay would not work then the agent spent 40 minutes finding out it was not the false reason she had made up. During this time I could not find out the issue with my account which was not associated with what she was doing. She repeatedly insulted my XXXX even after I asked her to stop saying things that were triggering my XXXX. She refused and kept putting me on hold when I asked her not to. She put me on hold for 20 minutes stretches and on the final one came back and told me she was instructed to hang up on me. I asked about my wire transfer and she said she was hanging up on me. I now do not know if my money is being transferred as I requested or not. I have asked the XXXX to accommodate my XXXX with effective communication for me but thus far the XXXX has not accommodated my XXXX.
04/06/2021 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60617
Web
I, XXXX XXXX entered a consumer credit transaction with Alliant Credit Union on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Alliant Credit Union has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Alliant Credit Union failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Alliant Credit Union failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Alliant Credit Union is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k
09/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95610
Web
Typo in previous request. Alliant was notified of XX/XX/XXXX1 Bankruptcy/ not XXXX. I made 3 attempts to notify the company they are violating Fair Credit Reporting Act ( FCRA ). I FILED XXXX XXXX BANKRUPTCY XX/XX/XXXX. Alliant was notified by my attorneys office and myself verbally. Alliant continued to report two account balances of approximately {$300.00} total to XXXX XXXX Because of Alliants willful violations of the FCRA, I was declined membership at XXXX XXXX XXXX XXXX and a {$12000.00} loan that I was approved for could not be issued. On XX/XX/XXXX at about XXXX I talked to XXXX XXXX ( supervisor ). She said she was unable to assist. This was my 3rd attempt. Two other attempts and no one contacted me as promised. It appears that due to a typo Alliant believes they should not be held accountable. Shame on you. You were made aware of my most recent bankruptcy on at least 3 separate occasions.
04/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • DE
  • 19711
Web Older American
Back in XXXX, I applied for a credit card issued by Alliant Credit Union based on the recommendation of XXXX XXXX. There was a card that had a 3 % cash back offer. Since I spend large sums of money conducting my business using a credit card, I considered this a good oppurtunity since my current card does not offer that much back. Alliant notified me that I was denied credit due to " lack of credit history ''. This is absolutely ridicules as I am XXXX XXXX XXXX and have paid off millions of dollars off over the last 45 years. I called Alliant and they just basically reiterated what was stated on the denial. They acknowledged that my credit score was XXXX and was rated " excellent ''. The can be no other explanation to turn me down other than some form of discrimination that is possibly ethnic, age, or something else. Please look into this matter for me please.
10/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33334
Web
I need to attend the following shown items in this letter which contains data taken directly from my credit report which have been provided Hard inquiries : - ALLIANT CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to Delete this unconfirmed inquiry lacking certificates evidence unless physically certified verified proctor is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act I do not recognize approving all these companies to run my credit I only approved my bank XXXX. Could you please help me to clear my history from interned credit checks inquiries.
06/02/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Wrong amount charged or received
  • DC
  • 200XX
Web Servicemember
On the XXXX or XXXX of XXXX, I initialed a domestic wire from my personal account to my Business account. Upon entering in the numbers for the receiving bank, I noticed that I was able to enter all the account numbers. This prompted a call to Alliant, where the representative couldn't explain the error and referred me to Docusign. They still processed the wire and it was rejected by XXXX XXXX XXXX. The next day, we resubmitted the wire and the system allowed entry of all numbers. After being insulted by the supervisor and the system error, I deemed it appropriate to request for both fees to be refunded. They have refused. As a Former XXXX XXXX myself, I can't find a reason of why they wouldn't honor my request outside of being disrespectful even to the extent of calling me by my first name without permission. I'm requesting this agency 's involvement.
07/21/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60091
Web
I have submitted six disputes since XX/XX/2019 and have not received credit for any of them, nor received any correspondence from Alliant subsequent to disputing the charges. I believe I have been illegally required to pay the charges under dispute as they were included in the statement balances. XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX.XXXX/XXXX {$15.00} Invalid Amount Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$12.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX {$270.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX/XXXX {$59.00} Credit Not Received Submitted
09/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30083
Web
Hello, In XXXX a false negative report was recorded in the XXXX XXXX system. This negative report was received by my XXXX card and my Alliant card. My XXXX card noted it in my monthly fico score but took no action and my alliant card sent me a letter notifying me of a reduction in my credit limit. I contacted trans union on XX/XX/XXXX and rep indicated that there was no record of any negative report on my credit. My complaint is against XXXX XXXX as the False negative report only could have came from them, as 2 separate credit cards noted a negative report and both get their information from XXXX. It is deeply concerning to me as there seems to be no record of where this false report came from. For an entity ( XXXX ) responsible for such valuable information these sorts of mistakes need to be taken seriously and investigated through.
09/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78222
Web Servicemember
Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. XXXX XXXX XXXX XXXX XXXX XXXX Alliant Credit Union XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX. XX/XX/XXXX XXXX
12/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • AZ
  • 85225
Web Servicemember
I noticed about XXXX of fraud on my account. I tried to dispute these transactions on there website but for 3 days it said I have no transactions to dispute. So I called in XXXX to dispute the transactions. Guess what the rep only took notes. Fast forward a rep calls me Monday and says the rep could not dispute the transactions I would need to go over them with her. Then she had the same issue and it said I had to transactions to dispute on this account. Then she put me on hold to someone in another department. Well guess what the call got disconnected and she did not call back. I am hold for XXXX minutes now. This customer services sucks. I feel like they do this on purpose not to get your money. I Have XXXX in fraud and couldnt even pay rent because of this. Horrible way to treat a veteran like this.
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32738
Web
I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 ALLIANT CU Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX INQUIRES ON XXXXXXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
03/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • CO
  • 80260
Web
On XX/XX/2020 I received a welcome letter from Alliant for opening both a checking and savings account on XX/XX/2020. I phoned Alliant on XX/XX/XXXX about this notice because I did not open either of these accounts. The person I spoke with confirmed that someone had opened these accounts in my name with my accurate date of birth and social. While no money was deposited into the checking account, {$5.00} was deposited into the savings account. The 10-digit member account number for this account is : XXXX. When I told her that I had not opened either of these accounts, she forwarded me to their fraud department where I reported the incident. I asked that both these accounts be closed. I later reported this as fraud to XXXX I am following the instructions of their fraud department in reporting this to you now.
06/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • MI
  • 48108
Web
I opened a checking account, a savings account and a certification on XX/XX/2023 using the promo code XXXX. According to the term, i should receive {$100.00} for each account i've opened so in total i should receive a {$300.00} bonus by XX/XX/XXXX. However, until the due payout date ( XX/XX/XXXX ), I have not received the bonus. Please help me get the bonus i should have gotten. Terms : Open a savings account by XX/XX/2023 plus have a minimum {$1000.00} savings average daily balance on XX/XX/2023 to earn a {$100.00} bonus. Open a checking account by XX/XX/2023 plus have a minimum {$100.00} checking average daily balance on XX/XX/2023 to earn a {$100.00} bonus. Open a certificate by XX/XX/2023 plus maintain a minimum {$1000.00} certificate balance on XX/XX/2023 to earn a {$100.00} bonus.
08/05/2023 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • MT
  • 597XX
Web
I acquired a loan on an RV with Alliant Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Phone XXXX ) in XXXX of XXXX. Since that time I have made XXXX payments on the loan including the latest, XX/XX/XXXX. The paper statements I have received for the loan do not seem to accurately reflect what should be paid to principle and interest- they do not follow any amortization table, given the specifics of the loan. I have tried repeatedly to contact Alliant Credit Union and have not had any success in getting them to explain to me what they are doing with the payments- except for them to say 'the money is applied to interest first and then any left over is applied to principle '. This does not make sense, again, given what the loan interest rate and payback period is.
07/31/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60091
Web
On about XX/XX/XXXX I received a letter from " XXXX XXXX, '' Alliant dispute analyst, telling me they had " insufficient written evidence '' to maintain the credit on my account for a dispute against XXXX for {$64.00}. The dispute was because the item I purchased was not as advertised. When I called today, XX/XX/XXXX, the agent who I spoke with refused to transfer me to XXXX " XXXX, '' and told me that the reason the dispute was not honored was that I allegedly did not provide written proof of the request to return in response to a phone call from XXXX XXXX. However, on XX/XX/XXXX at XXXXXXXX XXXX, I had emailed Alliant this precise information. I explained this to the agent, but they refused to connect me to XXXX " XXXX '' and more importantly refused to honor the dispute.
02/19/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • NJ
  • 077XX
Web
I opened a Alliant Credit Union account about a year ago. I used the account without issue, until one week in XX/XX/2018. My account was accessed without my knowledge, its to my understanding a transfer was made to my account to make my balance more, and then the balance was transferred to another account before the incoming transfer could fail. With that being said, someone used my account without my authorization, transferred funds, and when everything was settled was my account was negative. My issue here is, A. ) I did not transfer any funds, and I had a positive balance, with no issues regarding my account, and B. ) Alliant reported this account to XXXX, so now my credit is being effected by this issue even though this is a checking account, not a line of credit or loan.
12/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NV
  • 894XX
Web
I was issued a cashback visa signature card from Alliant Credit Union. The card earns 3 % cash back on purchases during the first year. I used the card for some time and accumulated several thousand dollars in cashback rewards. My account was paid off in full every month. Recently, Alliant closed my account and seized my unredeemed cash back rewards that had accumulated. Alliant customer service claims they sent me a letter explaining that the account would be closed, but I did not receive it, and the customer service representative that I spoke to could not produce a copy of this letter for me. I did not have any opportunity to redeem my accumulated cash back rewards before the account was closed, and customer service tells me that these accumulated rewards are now forfeit.
11/30/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • XXXXX
Web
To Whom It May Concern, My wife and I encountered several issues with Alliant Credit Union at the time of mortgage payoff and post closing of said mortgage. We requested a payoff statement as well as stop payment on our mortgage prior to the sale of our property. Despite the confirmation that the final mortgage payment would not be processed, Alliant credit union went ahead and in fact debited our account for an additional payment which resulted in incorrect payoff statement which subsequently delayed our new property purchase. Further to this ineptitude from Alliant, on XX/XX/2020, an additional payment for a mortgage that not longer exists was processed. This has created financial hardship and we are receiving a lack of sense of urgency and inadequate response times.
07/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • XXXXX
Web
My complaint is about ALLIANT CU and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with ALLIANT CU on that date. Please launch an investigation into the ALLIANT CU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. ALLIANT CU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
07/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AZ
  • 85207
Web Older American
Saw an online ad for a XXXX XXXX XXXX that I was interested in buying. Purchased online ( XX/XX/2021 ) at XXXX for {$65.00}. Payment was on my credit card but handled through XXXX ( I did not use a XXXX account for the purchase ). I received an email from XXXX that showed XXXX XXXX XXXX XXXX as the merchant. Never heard from the merchant. I went on the website and found phone and email contacts. The phone is disconnected and the email bounces back as undeliverable. On XX/XX/2021 I contacted my credit card issuer, Alliant Credit Union. I filed a dispute and they sent a confirmation email. I have called them numerous times and they have still not credited my account even though every time I call they say they will do so. Please help me get a refund on my credit card.
03/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30141
Web
Hi! I have disputed this account before through the credit Union. It was removed from XXXX, however XXXX, and XXXX never removed. Someone opened up A checking, and credit card with Alliant Credit Union. I never opened an account with them before, nor have I ever done any business with them. At the time that account was opened I was XXXX if you actually look closely at my ID you can tell that I look XXXX and not capable of opening a credit card account. Not only that the address that was used for the application I do not or have not lived there before. Address listed is XXXX XXXX XXXX XXXX Ga XXXX. I live and were living at XXXX XXXX XXXX XXXX, Ga XXXX I would love to see any documents barring my signature bc I have never signed for anything with that company.
03/21/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 10471
Web
I applied for the Visa Platinum card with Alliant Credit Union. I was APPROVED for the card pending " verification of self employment income '' I provided proof that I have been self employed since XXXX. I was asked why my name was different on the two most recent tax returns. I explained that I had gotten divorced in between the time of filing the returns. I supplied my divorce decree proving that I was no longer married and was using my maiden name. Then I was asked about child support payments and if I could prove I received those payments with 3 months of full bank statements. I have emails saying that I was approved and on XX/XX/XXXX the extension of {$5000.00} was rescinded with little to no explanation. I feel like I was discriminated against.
08/11/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • AZ
  • 85213
Web
We refinanced our house with a new lender. Our old lender, Alliant Credit Union, put our escrow account money ( {$2800.00} ) towards our loan payoff without getting our consent to do so. Therefore, our new lender paid Alliant, a balance that used the escrow money to get the mortgage balance lower. Based on the XXXX XXXX Timely escrow payments and treatment of escrow account balances, section ( b ) Refund of escrow balance, they are not allowed to do that and the money should have been refunded back to us directly. *The rep at Alliant Credit Union also let us know that they were in the process of changing their procedures of putting escrow money towards the mortgage balance, implying that their current process was not legal/had issues.
01/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28277
Web
On XX/XX/XXXX, The credit card company closed my credit card, due to a returned check on my checking account in XX/XX/XXXX. I've never made a late payment to my credit card, even after they closed it. Due to the negative balance on my checking account, they reported my credit card to the credit bureau as being charged off for failure to pay and they did not report my credit card payment. My credit card payment was due on XX/XX/XXXX, and I made more than the minimum payment due. I called the company to correct the issue, and they told me they reported it that way since my checking account is charged off. I told them that my checking account and credit card are two separate things and they are reporting incorrect credit card information.
03/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • CA
  • 92592
Web
I purchased an RV through XXXX XXXX XXXX in XXXX XXXX. The loan they secured for me was with Alliant Credit Union. My first loan payment was due on XX/XX/2021 which was paid on time. I then made my second payment on XX/XX/2021. I noticed that NONE of my payment was going to principle. NONE. I realize how loans work and that most of the payments in the beginning will go towards interest and a small portion goes towards principle. I even confirmed this with the finance manager at XXXX XXXX XXXX. I reached out to Alliant Credit Union multiple times the last being XX/XX/XXXX when they said they will escalate to a supervisor. Still no call from them and still not fixed. Interest only loans are illegal in CA where I live. I need help.
05/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60103
Web
I had an outstanding collection with Alliant Credit Union. When I tried to settle my debt with them, they told me that they can not speak to me because my debt was sent to a collection company. I spoke with the collection company ( XXXX ) and settled my debt for {$2000.00}. On the letter that I received from them, they stated that " your account will be updated on your credit report as settled/paid in full. '' My credit report was updated to show my balance with XXXX as {$2000.00} less than what it originally was. They did not report this as settled, rather they subtracted my payment from what I originally owed them. They are now showing that my account is still outstanding which is impacting my ability to obtain a mortgage.
05/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70791
Web
I entered a consumer credit transaction with ALLIANT FCU and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLIANT FCU claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLIANT FCU has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
10/16/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • IL
  • 60091
Web
Today I received a letter from XXXX XXXX at Alliant Credit Union stating that they would be closing my Visa account ending XXXX on XX/XX/XXXX due to alleged " suspicious and frivolous dispute activity '' and " nonadherence to merchant return policies '' without providing evidence or prior warning. I attempted to reach XXXX XXXX at the telephone number provided, but reached a representative who would only identify herself as " XXXX XXXX '' who told me she could not connect me to him. I spend over {$100000.00} annually on this credit card and am meticulous about disputing transactions when merchants fail to provide merchandise as advertised. I believe this closure may be in retaliation for CFPB complaint XXXX.
04/10/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 11373
Web
XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , XXXX ID and Driver license, 1 XXXX XXXX credit card. XXXX Notice from XXXX about the Inquiries viewed by others. That have unauthorized account below was open. 1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX 3.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Notice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.
12/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • NV
  • 894XX
Web
I had a Cashback Visa Signature Card with Alliant Credit Union, ABA routing and Transit Number #XXXX, and when my rewards balance reached $XXXX they closed my account and seized the rewards balance as forfeit. I was told that they had sent a notice to my address request a response regarding the activity on the card but I received no such letter. When I called in to complain they just told me that they had closed my account stating it appeared that I was using the card for business expenses, yet no where in the card holder agreement does it state that I cannot use the card for that purpose. I feel as though they saw a high rewards balance and instead of paying out those rewards they closed the account.
11/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10001
Web
I purchased a prepaid hotel voucher from a merchant named XXXX on XX/XX/XXXX. I redeemed the voucher for a hotel reservation scheduled for a trip occurring in XX/XX/XXXX. The hotel called me to tell me the travel supplier has gone bankrupt and the reservation has been canceled and will not be honored. I tried to dispute the charge for the voucher, since services I paid for are not being delivered, and the card issuer is refusing to accept a dispute claim because they say the original charge is too old. The merchant 's bank took the credit risk on this merchant and they are the ones who should be eating the risk of a merchant receiving advance payment for services not delivered by its merchant client
03/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • XXXXX
Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2020 2020
03/27/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • CA
  • 95215
Web
Website shows Alliants COVID-19 Emergency Programs Throughout our 85-year history, Alliant has been committed to serving and supporting our members in good times and in bad. Today, were ready to help Alliant members impacted by the COVID-19 pandemic with emergency loan and emergency loan-modification programs. With my bad credit i was denied a loan. My credit went down last year due to my health issues. Ive been trying to maintain my credit however, being sick and XXXX took awhile to get had me go into collections on some stuff. Which ended up having me not able to get any loans from any lenders. How am i able to get out of this credit debt or pay them when I can not get a loan to help me?
06/09/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 991XX
Web Older American
I applied for the loan on XX/XX/2021. To this day, XX/XX/2021, I have not received any definitive response to my application. Throughout these 5-months, numerous requests were made for additional information, even though that information was previously requested and provided. Every one of my requests for a date to conclude this process were met with reference to the " underwriters '' need for clarification and additional information. Last date for the settlement of his loan was XX/XX/2021, set by the Alliant representative. My inquiry on that day was rebuffed by the Loan Processor : " I am still waiting to hear back from the title company, I will be in touch as soon as I hear from them. ''
06/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MN
  • 554XX
Web
I have filed complain regarding Alliant Credit Union pulled my credit report without my consent. Which I got the same reply from Alliant credit union ask me to call the number of XXXX XXXX XXXX to report theft identity claims so they can do the research for me. I have called the number on XXXX as well as XXXX. The representative just took my name and my number and say the fraud department will contact me, but I have never receive a call from them. I am asking Alliant credit union to get hold of me and to prove that the inquiry was legit or remove the inquiry. DO NOT send a letter ask me to call in, I did but I never heard from Alliant credit union. Call me instead and explain to me.
01/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • IL
  • 60477
Web
I paid off my mortgage on the XX/XX/XXXX. Despite several contacts, Alliant Credit Union nor their mortgage partner has completed the release of lien on my property. This is despite numerous calls, emails requesting this. They have disregarded my requests they have pointed the finger at the other, they have lied directly to me several times. Today is XX/XX/XXXX. It's been four months and there is nothing provided on property deed nor on the XXXX County Recorder 's website. We received an insulting, unsigned letter from Alliant which was a form letter from their Customer Service department. I paid them what II borrowed. I paid as required and then some. They want to keep my property?
04/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • VA
  • 232XX
Web
I applied for a preapproval for a mortgage with Alliant Credit Union on XX/XX/XXXX. I received one email from a loan officer seeking additional information on XX/XX/XXXX, but nothing afterwards. I followed up with the loan officer on XX/XX/XXXX and XX/XX/XXXX by email and phone, but still received no response. I sent a letter to Alliant to complain on XX/XX/XXXX, but two months after sending the complaint letter they have not responded, and I still have not been informed of the status of my application or whether it was approved or denied. If my application was denied, I would have been disappointed but would have moved on. However, to just ignore an applicant is very frustrating.
06/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • UT
  • 84043
Web Servicemember
In XX/XX/2021 I refinanced my home and as part of that process paid off this loan. The title company sent the check to XXXX XXXX and the check shows it was deposited by the company. They did not associate the payment with my account and two weeks later I called to check in on the issue. I've been calling all week and spent, on average, an hour a day on hold waiting to talk to escalated people who never resolve the issue. I provided copies of the deposited check and they have admitted they deposited the check and misrouted the payment. However, it is still not resolved and now I am not only out the {$10000.00} but they have continued to charge me interest daily on their mistake.
07/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • MI
  • 48307
Web
In XXXX of XXXX I paid my annual fee of {$99.00} for the Alliant XXXX XXXX credit card. In XXXX of XXXX I was notified of significant benefit changes to the card that will be implemented later in XXXX. These changes result in either a significant benefit erosion or a requirement for me to obtain additional products and move money into an Alliant checking account. I contacted Alliant several times regarding this issue requesting a refund of my annual fee due to the changes. Alliant refuses to even respond to my complaints requesting an annual fee refund, simply stating that if they agree to refund me the annual fee that I'll see a refund. The changes are detailed here :
01/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 33334
Web
I opened a checking and savings account with Alliant Credit Union. Once my card came in the mail I attempted to activate it. I came to realize my account was restricted and " under review ''. Alliant verified my identity when they opened my account and I haven't been able to add money to account so there is no suspicious activity on the account. This makes no sense, I have a XXXX XXXX credit score and I also applied for a credit card, I can not open the secured decision letter online because the online banking is also restricted. I feel like I'm being discriminated against for age and race, if Alliant is a Fair Opportunity Lender then they should treat me as such.
04/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60091
Web
I submitted a dispute for a {$740.00} purchase from XXXX. I explained that XXXX delivered me the wrong product ( it was not the product described in my order, but a different product ) and refused to refund the purchase or to send me the item I actually ordered. Alliant Visa just sent me a letter claiming that I did not provide sufficient written evidence to support the dispute . Ho wever, Alliant did not request any additional details from me, despite my contacting them on multiple occasions to determine if they needed anything from me. This is not the first time Alliant Visa has conducted itself in this manner with disputes ; it is an established pattern.
03/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30314
Web
On XX/XX/2023 I made my normal minimum payment of {$450.00} this payment was made before 30 days of being late. I happen to call 6 days later they told me my payment was 36 days late and I said I made the payment on XX/XX/2023... They proceeded to tell me this month your min payment was {$450.00} so a {$1.00} is 36 days late. No one gave me a courtesy call and they are accessible to my savings account which states in writing they are okay to deduct any payments needed to fulfill any credit card or loan payments.. Which happened the day that I made the call they easily deducted the {$1.00} that was missed. Not to mention I have never been 30 days past due.
11/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60409
Web
my credit report has been reporting multiple inquiries that I have not authorized nor have knowledge. In XX/XX/2021, I purchased a vehicle form a dealership, but I already had a pre Approval from my credit union " Illinois XXXX XXXX XXXX. While giving my information to the dealership I noticed my credit was ran multiple times for potential lenders that I did not authorize and it is still negatively affecting my credit report to this day. To remedy this situation, I contacted XXXX and notified that these inquiries were not authorized and should be removed due to the negative affect on my personal credit score and report, for potential lending.
03/05/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NJ
  • 085XX
Web
I received an email from Alliant today advising me Alliant reversed XXXX XXXX values back to their previous level for Alliant XXXX XXXX XXXX points. It states " Additionally, we are issuing a points credit to your account so you will experience no point-value loss overall '' I called in XXXX to downgrade my Alliant XXXX XXXX to XXXX as a result of Aliant 's decision to devalue points. I explained to the XXXX this was the sole reason for my downgrade. How will I be credited back for the points now that my card is downgraded to XXXX. I have already contacted the company and to date my only answer from them is " we need more time. ''
08/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • XXXXX
Web
My Alliant Visa has been charged numerous times from XXXX without any form of receipt documenting what these charges were fo and I did not authorize these charges for unknown merchandise or services. I have contacted XXXX repeatedly and they are unable to provide any substantiation for the charges. The same thing happened with XXXX, though there were only two unsubstantiated transactions. I filed multiple disputes for these transactions and was contacted most recently by XXXX XXXX, who apparently refused to honor the disputes because he demanded the logically impossible from me : " proof '' that these were not valid transactions.
12/17/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MA
  • 021XX
Web
I received an unexpected annual fee of {$59.00} ( card is and was advertised as no fee ; however, during the sign up process I was " upgraded '' to a card with a fee I later learned ). As soon as I saw the fee, I called to cancel it ( XX/XX/XXXX ). They offered to cancel my card but wouldn't waive the fee. They didn't even offer a pro-rated credit for all the remaining months! I didn't willingly sign up for an annual fee card from Alliant. It's even more disappointing I've been a customer for over 10 years with a very large balance. I emailed the CEO ( XX/XX/XXXX ) about the issue though it still hasn't been resolved.
12/07/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • FL
  • 342XX
Web
On XX/XX/2022, I provided Alliant with the correct routing and account number to perform a transfer from my XXXX checking account to an Alliant Savings account. It was for {$200.00}. On XX/XX/2022, I received notice from this business claiming the transaction was reversed due to invalid account information. I did NOT provide invalid information. I have had this XXXX account for 30 years! I never entered a wrong routing or account number. I have used this account from XXXX numerous times over 30 years to pay bills online and do account money transfers. Obviously, this is a processing glitch on the part of Alliant.
03/26/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • MO
  • 64093
Web Older American
I've had a credit card, checking, and savings account with Alliant since XXXX. I've never been late with a payment and had over $ 30K on deposit with them at the time of closure. I received a letter in XXXX that there was an annual meeting and I was expelled and my membership would be terminated XX/XX/XXXX. While I appreciate the notificiation and time to change auto payments, I feel the timing of this was due to COVID-19. If I was non-compliant with something, I would appreciate being told what it was and have the opportunity to correct it rather than being shut down during a crisis and while on lockdown.
10/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64152
Web
Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at Alliant Credit Union in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted ACU and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.
02/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CO
  • 81005
Web
I paid this vehicle off and 6 months early at that!! There is something wrong here!! They sent in a report that said we were late on vehicle payment. This is not true!!! I made an extra {$4200.00} payment alone in XXXX and then paid it off in XXXX. I've never ever missed a payment on anything and I've been making extra payments. I just got the title yesterday. Never got anything saying I was late on anything. How dare you!! Please look this over again and take this off my credit report and my husbands!! Someone made a mistake and I will got to an attorney if this isn't fixed because it is an error.
05/17/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • NJ
  • 085XX
Web
Alliant Credit Union continues to send me letters that I'm in breach of the terms of my agreement and threatening to raise my APR to 24 %. I had previously sent a email to several executives at the credit union in an attempt to clear up this matter however it appears XXXX has managed to somehow XXXX up the situation again and blame the consumer. I received two phone calls from credit union representatives and I followed their instructions. XXXX XXXX # XXXX proves the credit union received the information they asked for, which is the vehicle title and notarized power of attorney ( two copies ).
04/01/2022 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • ND
  • 58078
Web
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Alliant Credit Union services.
12/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27405
Web
My direct deposit unemployment benefits were deposited to Alliant Credit Union via ACH on XX/XX/2020 but the financial institution is not making the funds available to me. In fact it appears they are doing this on purpose to earn additional interest on those funds. There's no acceptable reason that my ACH was not posted to my account by the morning of XX/XX/2020. I intend on taking any and all legal recourses if we can not resolve this issue immediately. You all have NO RIGHT to hold my funds which are electronically provided to you. I expect swift action in response to this inquiry.
10/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 20147
Web
I had fraudulent withdrawal transactions take place on my account on XX/XX/ and contacted the credit union on XX/XX/ to take care of it. I have submitted everything including a police report and they have been non-compliant and dragging out the process to rightfully return my money. I have been calling every week and learned on XX/XX/ that credit union never even bothered to file my case for the fraudulent withdrawals .... It has been close to a month now and my {$950.00} has not been returned yet... The entire process should have not taken more than five business day to complete...
10/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MA
  • 02145
Web
I was notified by my credit union of some suspicious ATM withdrawals via automated SMS. I indeed did not make these four withdrawals at an ATM in XXXX ( Im in XXXX ), and the credit union opened the dispute and shut off my card. Within the same day, they closed the dispute and denied it. I called to ask why, and they said its because theyre assuming I lent my card to someone, because it was a chip and PIN transaction. I told them I had my card in my possession in XXXX when these withdrawals happened, yet they denied it and are not giving my the approximately {$700.00} back.
07/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 12309
Web Older American
On XX/XX/2023 I responded to Alliant Credit Union 's XXXX promotion to open new acts, meet state requirements, and earn {$400.00} in awards. Requirements were simple and clearly stated as shown in attachment. After meeting all requirements, XXXX only paid out a partial award ( {$300.00} of {$400.00} ). On XX/XX/2023 when I inquired about this discrepancy their representative stated a new, previously undisclosed, requirement for electronic deposits into the checking acct. It is not fair to change the requirements after the fact, and for this reason I am filing this dispute.
10/19/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • FL
  • 341XX
Web
Each time I request they accommodate my XXXX under the ADA they become hostile and argumentative and hang up on me for making a request for equal access as a XXXX person. They say we just go in circles even though I try to move it forward. They have now threatened to close my account if I keep trying to be accommodated. I have specifically requested effective communication within the ADA and an interactive good faith process to achieve a reasonable and appropriate lasting and durable accommodation for my XXXX. When I ask for good faith they hang up in bad faith.
10/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60564
Web
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Remove the following from any all credit reports : Alliant Credit Union XX/XX/2021 Alliant Credit Union XX/XX/2021 Factual Data XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX Card Services XX/XX/2021 XXXX XXXX and Finance Companies XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 2021
11/18/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • SD
  • 57104
Web
I noticed the automatic payments setup have been posting at times later than the day the payment has been submitted even though my checking account has it posting days prior. The bank is charging additional interest and not posting payment the day it was received. When I questioned them about it they did nothing and said I do not understand the banking system and need to talk to my bank that has my XXXX XXXX posting withdrawal early. There response was not correct and they are charging additional interest after a payment is received on the loan.
02/01/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • NY
  • 121XX
Web
A transfer of {$10000.00} was sent to an external account on XX/XX/23. The funds ( {$10000.00} ) were withdrawn from m account at that time. XXXX withdrew {$10000.00} again on XX/XX/23 which caused my account to go into the negative and they charged me a fee ( {$15.00} ). The transaction was labeled deposit adjustment. I have sent multiple messages asking for resolution and it has been over a week since they last responded to me and their system will no longer allow me to send messages. It now generates an error message when I try to message.
09/03/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • TN
  • 38125
Web
XX/XX/XXXX, an Alliant Banking representative by the name of XXXX XXXX sent an UNSECURED email with all of my PII information included to me, when she was simply supposed to send proof that travel alerts were put on my account. I never expected to get my full SSN in the email. My info was breach and I am afraid that my identity could stolen or worse. The link below contains the email XXXX sent to me and I have covered all of the PII for security reasons. The card number that you can see has been closed. Please see below. https : XXXX
10/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75052
Web
This company denied me a right to get a auto loan due to the improper and inaccurate information reporting on my consumer report. This company took adverse action against me denying me a right. How can you deny a consumer something when I am the one extending my credit to them, This is a violation of the Gramm Leach Bliley Act, because they are invading my privacy. 15 USC 6802 and 15 USC 1611 false and inaccurate information willingly and knowingly. The information provided on my consumer report is damaging my reputation.
04/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MN
  • 554XX
Web
I have a complain against Alliant Credit Union. Alliant Credit Union pulled out my credit report without my permission and reported I have a credit card with Alliant Credit Union, Which I am not even a member of a Alliant Credit Union. I applied membership in the past, but I was denied for membership. How come I can have an Alliant Credit Union Credit Card when I am not a member????? I have contacted Alliant Credit Union and let 's them know my concern. However, Alliant Credit Union has never get back to me.
09/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32955
Web Servicemember
On XX/XX/2022 a portion of my payroll for {$400.00} was deposited into my Alliant Credit Union account. I also have a personal non-collateral loan and a XXXX credit card with this company. Given the fact that I had an unexpected expense, my loan payment was past due, and my credit card payments were current. Once my payroll funds got deposited, Alliant credit union withdrew the funds, plus the additional funds of {$3.00}, for a total amount of {$400.00}, and credited them to my loan WITHOUT my authorization.
08/10/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NJ
  • 08807
Web
I have an Alliant Cashback Visa Signature Card that is suppose to pay 2.5 % cashback on all purchases. My XX/XX/2021 card balance was {$42000.00} earning me {$1000.00}. They credit union only gave me {$250.00} in rewards ... they still owe me {$810.00}. They will not acknowledge any complaints. There is a complete lack of customer service! I have the documents included with my credit card clearly stating 2.5 % cashback for every dollar spent with no limit on the amount of cash back! Please help!
07/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MN
  • 55448
Web
I was charged an annual fee in XXXX for the year ahead. Then they stopped charging the fee for this type of account and changed the terms of the cash back adding a requirement to open a checking account to get the rate. This is theft and a change to contract terms without the right to opt out. I am requesting that the fee of {$99.00} to be refunded due to my inability to benefit from the cash back program as agreed in the contract without taking on additional expense and effort on my part.
01/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • FL
  • 33334
Web
XXXXXXXX XXXX says that my proof of income was photoshopped and for that reason I could not be given a checking account. I did not submit any fake information, and also XXXX did not provide any information on how they came to a decision that my documentation was photoshopped. I have provided information to prove who I am and they still shut down my account. This organization is a discriminatory lender and discriminates against people based off their race, age, culture, and religion.
12/28/2020 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32779
Web
I refinanced my mortgage with Alliant Credit Union XXXX. I am owed several XXXX dollars of escrow funds back that were withheld from my mortgage payment to pay taxes and insurance. The customer service line wont provide me with an accounting or itemization of that account and return the funds. I thought there were federal rules requiring any excess account amounts from escrow to be returned to the borrower within 30 days. My closing date was on XX/XX/XXXX. It has been almost 8 weeks.
04/08/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • FL
  • 342XX
Web
On or about XX/XX/ applied for a personal loan from the business. On, XX/XX/, XXXX XXXX at the business stated my XXXX credit report file size is to large and if XXXX could be pulled. As a note, an inquiry from this business shows that they pulled XXXX on or about XX/XX/. On XXXX XXXX XXXX, I notified the named individual at the business via email on the portal that XXXX can be pulled. She replied back that she would let underwriting know. Ten days later nothing has been processed.
03/04/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • IN
  • 46322
Web
I paid alliant credit Union {$600.00} on the XXXX of XXXX, they denied the process was not a bank issue my payment was due on the XXXX which they did not accept on the XXXX and now they hit me for a 30-day late charge and 30-day credit hit. I have plenty of money in my bank account but yet they're the ones that denied the {$600.00} my phone number is XXXX I also have documentation of the payment date and the refusal email on the payment which was dated for after the payment date
03/02/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 342XX
Web
Submitted a timely dispute to XXXX XXXX the vendor that handles billing disputes for Alliant. Specifically, it is for a charge dated XX/XX/22, XXXX, {$480.00}. The merchant provided a faulty light fixture that is buzzing. The merchant was notified, the merchant has not rectified the issue. Also, I had to pay an electrician money out of my pocket to install a faulty light fixture. Significant supporting documentation has been attached to justify my billing dispute chargeback.
08/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 341XX
Web Older American
The agent who answer the phone at Alliant say they can not help me because I am XXXX and they have to transfer my calls to supervisors, I am then left on hold until a time I am unable to complete my business. Then some woman comes on the phone is really insulting and because I say I am looking for equal access as a XXXX person she starts saying she is XXXX for some reason. I have no idea why nationality matters when I am seeking equal access as a XXXX person.
01/08/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • MD
  • 21234
Web Servicemember
On XX/XX/XXXX, an Alliant Credit Union savings account was opened in my name which I did not open. I found out about the account being opened on XX/XX/XXXX when I saw some welcome emails & received a letter in the mail with a pin #. I called Alliant on XX/XX/XXXX and spoke to someone who could not tell me why an account had been opened in my name. She took information & said someone would call me within a day but I have not received a call back yet.
04/02/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 46123
Web
I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. I need access to my money!
11/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77004
Web
XX/XX/2020 Credit opened with XXXX 's by someone under my name, home address, SSN. Contacted XXXX 's Fraudulent department. XX/XX/2020 XXXX 's XXXX. Credit opened with XXXX 's for {$2400.00} by someone using my name, home address, and SSN. XXXX XXXX 's XXXX Fraudulent department. XX/XX/2020 Checking account opened with Alliant Credit Union by someone using my name, home address, and SSN. Contacted Alliant Credit Union Fraudulent department.
07/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92277
Web
As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.
04/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 293XX
Web
I WAS A VICTIM OF IDENTITY THEFT, THE RESULT OF THAT SEVERAL ACCOUNT WERE OPEN UNDER MY NAME. ALLIANT CREDIT UNION # XXXX ... XX/XX/XXXXXXXX XXXX XX/XX/XXXX# XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX # XXXX,XX/XX/XXXX # XXXX. XX/XX/XXXX XXXX # XXXX ... .XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXXXX/XX/XXXX # XXXX ... XX/XX/XXXX# XXXX ... XXXX XXXXXX/XX/XXXX XXXX # XXXX,,, XXXX XXXXXX/XX/XXXX XXXX.
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CO
  • 800XX
Web
In accordance with the fair credit Reporting act XXXX Act # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/22/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • CA
  • 92555
Web
I applied for a XXXX loan with Alliant CU and was presented with approval terms and than requested to execute documents ( I wa waiting for car 1st before closing ), agent emailed me to complete paperwork without clarifying that loan is closed prior to receiving vehicle, I requested to unwind loan and was told I could not do this and that XXXX would have to do it and I would lose the {$250.00} deposit if I do from XXXX.
07/05/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • OR
  • 972XX
Web
I decided to work with Alliant Credit Union as my mortgage lender after shopping around and comparing disclosed estimates for rates and closing costs. After saying " no '' other lenders and declaring my sharing " intent-to-proceed '' with Alliant, they came up with a 6-month cash reserves requirement under the name of " guideline ''. This was never part of any verbal communication or any loan estimate form.
01/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 92782
Web
Alliant Credit Union offers a cash back rewards program. I had saved up {$2100.00} in rewards. I went to redeem it but never received my money. They claim that they have a technical issue and have refused to credit me while they investigate. They simply say it will take them weeks to look into it with no resolution to a loyal customer. I'd highly recommend staying away from doing business with them.
01/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TX
  • 75028
Web Servicemember
I lost my job and my home in XXXX after Hurricane Harvey. I used this card minimally before this all happened. I had to move and I didn't have a permanent mailing address until I rented a home in XXXX. I am trying to get a VA Loan to get back on my feet and this my lender said this information which shows as " revolving credit '', derogatory, but closed is keeping me from qualifying.
08/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30127
Web
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove! Alliant Credit Union did not respond properly to the Affidavit that I sent, I also asked Alliant Credit Union to validate the alledged debt pursuant to XXXX XXXX XXXX. Alliant Credit Has not responded to the multiple requests and Now I am requesting remedy Pursuant to 15 USC 1640
08/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • FL
  • 341XX
Web
Alliant Credit union refused to notify me they were not going to wire my funds as instructed. They then asked me to give them info against what the recipient had instructed me to use. They told me using the the wrong info was the only way I could wire money. They failed to notify me they had not sent the money then asked me to us a an address that the funds were destined to.
08/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • TX
  • 77494
Web
Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.
10/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • FL
  • 33486
Web
My credit card account was closed by Alliant Credit Union, the reason being for using the card for business activities. There hasn't been anything on the card that remotely qualify as business activity, and in fact I barely put any charge on there. Also I was just recently charged an annual fee when the bank decided to close my account after I paid, seems very sketchy.
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27127
Web
In XXXX, a 1099-A was filed with I.R.S. for this particular account. It was never credited to the account. As a result they are reporting an inaccurate amount that is owed on the account. Also, they are reporting that this account has a 90 days past due, which is inaccurate as well. I have since settled the account with a money order and a certified tender of payment.
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11003
Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XX/XX/XXXX Balance : {$5000.00} XXXX XXXX XX/XX/XXXX Balance : {$15000.00} ALLIANT CU XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XX/XX/XXXX Balance : {$18000.00}
11/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • TX
  • 77494
Web
I received a letter from Alliant Credit Union dated XX/XX/XXXX claiming that they will convert the hard credit pulls to soft credit pulls. They claim it would take 60 days to reflect these changes. It is currently XX/XX/XXXX and none of the changes have happened. It has been over 3 months and the credit inquiries still show up in my credit report.
04/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92840
Web
I asked Alliant Credit Union in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/2023 removed. Thank you.
06/09/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OH
  • 444XX
Web
I have tried to an set up online payments with Alliant credit Union and was told they needed to get the ok from my husband in order to do that. I am fully on the loan, fully responsible to make timely payments and it is on my credit report. I should not have to get the ok from anyone in order to make payments on a loan I'm responsible for.
11/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • IN
  • 46321
Web
I was charged a {$99.00} annual fee on my statement closing on XX/XX/2021, even though XXXX stopped charging the fee later that year. They did not credit my account or offer a refund. XXXX also changed their terms for the cash back offered on their card in the middle of the year. XXXX dropped the cash back reward from 2.5 % to 1.5 %.
12/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AL
  • 352XX
Web
I have noticed UNAUTHORIZED inquiries on my report or I noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these UNVERIFIED & UNAUTHORIZED items MUST be REMOVED!! Below is a list of all of the accounts and the dates at which they where UNAUTHORIZED ALLIANT CRED XX/XX/2020
03/29/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • NY
  • 127XX
Web
XX/XX/XXXX i received a letter from alliant credit union stating that they voted and that XXXX of them decided to close my account, no reason was given however my account has no wrongdoings, and i didnt receive any infomation as to why my account as closed, and no warnings, only that on XX/XX/XXXX all my accounts will be closed
09/29/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95401
Web
We refinanced and paid off a mortgage with Alliant Credit Union in XX/XX/2021. However, they have still not reported the mortgage paid off on our credit reports. The loan is still reported as open. We have reached out multiple times, via phone and email but no one on their end helps with correctly reporting the loan as closed.
09/07/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 91311
Web
I received an adverse action notice for my HELOC application from Alliant Credit Union. I'm being denied because of two claims against my employment and identity. There is nothing fraudulent about the information I provided. I would like to resubmit and provide further documentation including my tax returns and other items.
08/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48390
Web Servicemember
Inquiry from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
04/22/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 07016
Web
On XX/XX/XXXX I sent payment to Alliant Credit Union for {$350.00}. Payment was due XXXX I then received notice they never received my check and was charged a {$25.00} late fee. I sent to them a copy of the cashed check and to date they have not not fixed the credit reporting or reimbursed me for the late fee.
12/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29229
Web
In accordance with the fair credit reporting act, SXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
05/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MD
  • 210XX
Web
Alliant Credit Union locked me out of my account on XX/XX/19 after they called me inquiring about a recent transaction which I politely informed them that that's none of their business and hung up the phone. I've already filed a XXXX complaint a week ago but they don't seem to be taking that very seriously.
11/21/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • LA
  • 70122
Web
My compliant falls under a different category. I deposited a XXXX Treasury check into my checking account on XX/XX/2021 with XXXX Bank. They have held these funds for over XXXX days and are still holding them as of today. I thought banks could only hold government issued checks for XXXX day. Please advise.
01/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63130
Web
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - XXXX. XXXX XXXX XXXX XXXX. Alliant Credit Union XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was very disturbing as I am not aware of any of these enquiries.
08/28/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 10453
Web
I scheduled a one-time transfer from my checking account with another bank to my Alliant savings account via the Alliant app . The app processed this transaction three times, which I didn't realized until Monday morning when the deposits posted, leaving me with negative {$1200.00} in my checking account.
07/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 951XX
Web
Hi on XX/XX/2023 I noticed two transactions for {$410.00} & {$310.00} for XXXX which was made on my alliant credit union account. My phone and wallet were both stolen from my car and I tried to explain that to the fraud department but I was told the IP address matched so there was nothing they could do.
05/02/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CO
  • 802XX
Web
Alliant Credit Union refuses to process and provide me with a 1098 for my home mortgage in 2022. I've contacted the company several time requesting a 1098 for 2022 and each time was told they " were working on it ''. It is now past the XX/XX/XXXX deadline and no 1098 has been provided by mail or online.
03/01/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • AZ
  • 85295
Web Servicemember
On XX/XX/26 Alliant Credit Union reposed my vehicle. However, my was and still is in good standing. They were in breach of contract. They have not offered to remediate their breach of contract. They did have my vehicle returned. I dont feel this is enough. They are trying to sweep this under the rug.
01/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • CA
  • 92555
Web
XXXX XXXX was unfunded and I still have not received my money back struggling with this XXXX to refund my money has been very difficult Please Help. They stated that they do not have a process to refund the money and this is very concerning wondering how many other customers they have done this to
08/06/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NV
  • XXXXX
Web
I have a loan with Alliant Credit Union. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Alliant Credit Union with no successful resolution. There was definitely an error on their part.
10/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 941XX
Web
On my account XXXX, I redeemed {$89.00} in rewards in XXXX. I closed my card in XXXX. A full two statements has passed and I never received my {$89.00} redemption. I have called repeatedly and nobody has been able to help me. I've attached the last statement showing I redeemed {$89.00}.
09/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MO
  • 64133
Web Servicemember
On XXXX I was offered a pre approval of a Visa Platinum credit card From Alliant Credit Union Upon applying and after processing my collateral security ( Application ) I was denied based on my consumer report, which is a violation to consumer rights as I am entitled to equal opportunity.
04/16/2020 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • IL
  • 606XX
Web
In XX/XX/2020, Alliant Credit Union charged me an extra $ XXXX for not having insurance on my vehicle. I have had ongoing insurance on my vehicle through ridesharing apps and through XXXX XXXX. When I showed them proof of this, they only reduced the extra fee. They did not remove it.
11/22/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60091
Web
I initiated the following disputes that have not been processed within the required 90-day period. It also appears that Alliant has been collecting payment for items in dispute, against FTC rules. XX/XX/XXXX {$230.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$30.00}
07/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • CA
  • 94127
Web
Alliant Credit Union charged me an annual fee for their credit card in XXXX. They then changed the terms of the credit card in XXXX, removing the product that the annual fee is for. They refuse to honor their commitment to the payment terms and also refuse to refund the annual fee.
06/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92844
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
12/01/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 34135
Web Older American
I received correspondence from Alliant Credit Union on XX/XX/22 in the form of 2 letters - one letter contained the account number of the savings account that had been opened using my personal information and the second letter contained the PIN number to access the account.
01/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80134
Web
I have an account that was closed in 2016 but recently i noticed a 30 day late pay show up. It shouldn't be possible to have a late pay show up on an account that has been closed for 2 years. I have tried to have the bureaus correct it but had no success. Please help me.
01/19/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • OR
  • 97213
Web
I setup an transfer on XX/XX/2023. On XX/XX/2023 they completed the transfer XXXX, resulting in my other bank account going negative. It is XX/XX/2023 and my Alliant Credit Union account isn't showing any funds were transferred over. I have lost a total of {$3000.00}.
02/01/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • NY
  • 14624
Web
Received communication from Alliant that my request to open a savings account was denied because they were unable to verify my identity. I never applied for this account. I contacted Alliant, and they noted that this was a fraud, and took care of it on their end.
01/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • IL
  • XXXXX
Web
It has come to my attention that Alliant may have added new stipulations to the rewards program that in order to earn 2.5 % cash back that there must be a monthly deposit to the savings account? I did not receive notice of this change, assuming it has changed.
03/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • FL
  • 32828
Web
I have called Alliant bank to request to close these fraudulent bank accounts that was open in my name. I receive 10 different notices and file a report on XX/XX/2022. This is a bit disturbing and not understandable that this has not been corrected as yet.
04/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • PA
  • 17522
Web
XX/XX/2021, I was unable to log into my account with Alliant credit union. I called and was told I was voted out of the credit union. I was never able to access my funds. I was told I would be reimbursed and almost two months later that has not happened.
05/09/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • CT
  • 06902
Web
Alliant credit union closed my account ( XX/XX/2019 ) but it has been close to a month without sending back my money ( over {$2900.00} ). I can not login online. I called them on the phone and I was told someone would call me back but no one did.
11/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 31015
Web Servicemember
XX/XX/2023, I submitted a check for deposit via Alliant CU mobile app. Nothing was stated in the dialog box before I presented the check for deposit, saying it would have a 14-day hold on the check due to it not being a payroll check.
06/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • XXXXX
Web
Alliant federal credit union in XXXX XXXX is reporting an account on my credit consumer report ( XXXX ) XXXXXXXX XXXX and XXXX account # XXXX this account was previously deleted from my consumer reports.This is not my account!!!!
06/19/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • NY
  • 117XX
Web
I participated in : Open a certificate by XX/XX/XXXX plus maintain a minimum {$1000.00} certificate balance on XX/XX/XXXX to earn a {$100.00} bonus The promotional {$100.00} was due XX/XX/XXXX. It is now past due.
12/31/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • DC
  • 200XX
Web
I have not used my Alliant cashback signature Visa in months. I received no notice of the occurrence of an annually fee. Upon learning of the fee I sought to cancel the card and obtain a refund and was denied.
08/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NJ
  • 085XX
Web
I product changed from Alliant Platinum to Platinum Rewards for a large purchase I made so I would get points. I should of received XXXX points for the transaction on XX/XX/20. I received XXXX points.
12/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37013
Web
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Alliant Credit Union XX/XX/2018 XX/XX/2018
04/16/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • CO
  • 80206
Web
I had an Alliant Credit Union account opened in my name. I never heard of this XXXX based Bank until I got an email about it.. I just got the account number in the mail with no debit card.
02/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 939XX
Web
I'm not exactly sure what happen but the bank no longer wants to due business with me, which is fine by me. XX/XX/2019 Account was closed by bank. Amount owed is {$1800.00}
02/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77045
Web
Spoke with a representative about getting a fraudulent hard inquiry removed from my account on XX/XX/22, was told it would be removed but Im still seeing it on my credit.
12/05/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 32835
Web
Alliant Credit Union has blocked all access and levied my checking account in which the sole purpose for the account is used to receive deposits of XXXX XXXX.
05/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11003
Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.
01/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 10031
Web
I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.
08/07/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • NJ
  • 085XX
Web
Bank sent me a credit card promotion that expired XX/XX/1900. I sent bank executives an email to explain the promotion but have not received a response.
07/18/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60607
Web
My payment to pay down credit card balance was not processed despite the transfer being cleared by the financial institution the transfer originated from.
03/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90278
Web
ALLIANT CREDIT UNION {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30013
Web
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results.
06/25/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NY
  • 11365
Web
I called my bank to ask them when would contactless debit card be available they said they dont know when online it says coming soon
09/15/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • TN
  • XXXXX
Web
I had requested 6 months of average balances multiple times for HUD things. they kept sending 2 months despite MULTIPLE calls
03/07/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • TX
  • XXXXX
Web
On XXXX XXXX, 2022, I applied for Unsecure line of credit for {$20000.00} but was denied an extension of credit by ALLIANT.
04/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 227XX
Web Older American
someone is useing my name and address and social number and got a credit card and run it up to XXXX it was identify fraud.
07/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • CA
  • 91384
Web
i wanted to work with the company to figure out a debt settlement because it's getting hard to make payments at this time.
10/06/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 07017
Web
I was denied an extension of credit by this company. I now request a statement of reasons specifying the adverse action.
06/10/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • MD
  • 210XX
Web
Alliant Credit Union decided to close my account and take {$15.00} from my hard earned balance for themselves.
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77082
Web
There were two credit union loans in XXXX that I do not recognize. They were made in the same exact day
02/14/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 939XX
Web
XX/XX/2019. The account was closed by bank. I'm just trying to get my money. Amount owed is {$1300.00}.
12/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94519
Web
Someone opened a credit card under my information this is not my account needs to be deleted
03/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • MN
  • 554XX
Web
Alliant Credit Union closed my checking/credit card account without any explanation.
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44122
Web
I have no relationship with this company and did not authorize this inquiry.
06/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 341XX
Web
Refused to allow me to do banking as a XXXX person.
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33147
Web
I do not recall making this inquiry on XX/XX/2021.
08/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 21114
Web
I never applied or received a XXXX XXXX
08/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • GA
  • XXXXX
Web
XX/XX/2022 - XXXX with Alliant
02/06/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92505
Web
02/06/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92505
Web
02/05/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 43611
Web
02/03/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IN
  • 46403
Web
02/02/2024 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Opening an account
  • Unable to open an account
  • CA
  • XXXXX
Web
02/02/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • OH
  • 45211
Web
02/01/2024 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95377
Web
02/01/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33511
Web
02/01/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30127
Web
01/31/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11757
Web
01/26/2024 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • NY
  • 12164
Referral
01/23/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • An existing modification, forbearance plan, short sale, or other loss mitigation relief
  • CA
  • 94555
Web
01/23/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AR
  • 72007
Referral
01/23/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 94928
Referral
01/21/2024 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32835
Web
01/20/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • KS
  • 66212
Web
01/11/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • GA
  • 30345
Web
01/10/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 77049
Web
12/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MI
  • 496XX
Web Older American
12/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • MI
  • 496XX
Web Older American
12/23/2023 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94568
Web
12/22/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • NJ
  • 07302
Web
12/22/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28306
Web Servicemember
12/21/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Credit card company won't increase or decrease your credit limit
  • NJ
  • 07039
Web
12/17/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 166XX
Web
12/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07208
Web
12/14/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • OR
  • 97224
Web
12/13/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28306
Web Servicemember
12/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • GA
  • 30127
Phone
12/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Escrow, taxes, or insurance
  • CA
  • 91326
Web Older American
12/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60477
Web
11/28/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20876
Referral
11/20/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33021
Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 75081
Web
11/15/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened without my consent or knowledge
  • IL
  • 62002
Phone Older American
11/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95833
Web
10/31/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • CA
  • 93725
Referral
10/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60477
Web
10/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60642
Web Servicemember
10/25/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • IL
  • 60062
Web
10/18/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • Payment process
  • UT
  • 84062
Referral
10/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • CA
  • 94564
Web
10/04/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 93725
Web
10/04/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • OR
  • 97236
Referral
09/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28306
Web Servicemember
09/14/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • Paying off the loan
  • NY
  • 11767
Referral
09/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • FL
  • 33928
Referral
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 387XX
Web Servicemember
09/02/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Loan opened without my consent or knowledge
  • CA
  • 93515
Web
09/01/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CO
  • 80223
Web
08/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NJ
  • 07060
Phone
08/15/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • MA
  • 01742
Web
08/12/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60148
Web
08/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • FL
  • 33511
Web
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30315
Web
08/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60564
Web
08/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • FL
  • 32608
Referral
08/04/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • VA
  • 22150
Referral
08/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 34234
Web
08/01/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IL
  • 60453
Web
07/28/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • VA
  • 22181
Referral
07/27/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 91768
Phone Older American
07/24/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • LA
  • 70037
Referral Servicemember
07/23/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • LA
  • 70726
Web
07/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34758
Web Servicemember
07/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 95205
Referral
07/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77004
Web
06/30/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 22066
Web
06/30/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Opening an account
  • Didn't receive terms that were advertised
  • VA
  • 22066
Web
06/30/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Funds not handled or disbursed as instructed
  • VA
  • 22066
Web
06/29/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • SD
  • 57104
Referral
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11520
Web
06/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90803
Web
06/27/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NC
  • 27511
Referral
06/26/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95377
Referral
06/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77004
Web
06/21/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • FL
  • 33785
Referral
06/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • NV
  • 89169
Web
06/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • NM
  • 87108
Web
06/14/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • CA
  • 94403
Referral
06/10/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92345
Web
06/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77004
Web
06/07/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 33437
Web Older American
06/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IN
  • 47130
Referral
06/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • OR
  • 97078
Web
06/06/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60657
Web
06/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60666
Web
06/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77004
Web
06/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95466
Phone Older American
06/01/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • CA
  • 95823
Referral
06/01/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02649
Web
06/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75033
Web Servicemember
05/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77004
Web
05/24/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • OK
  • 73507
Web
05/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 73507
Web
05/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33021
Web
05/16/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 08550
Web
05/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OK
  • 73507
Web
05/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 33131
Web
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 73507
Web
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 73507
Web
05/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OK
  • 73507
Web
05/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 91766
Web
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30044
Web
05/02/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • OK
  • 73507
Web
04/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NY
  • 10930
Referral
04/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60654
Web Servicemember
04/13/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • NC
  • 28311
Referral
04/06/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NC
  • 27834
Web Servicemember
04/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 28311
Web
03/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • GA
  • 30327
Web
03/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • MN
  • 56069
Referral
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94531
Web
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78664
Web
03/10/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94703
Web
03/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 10470
Web
03/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77584
Web
03/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33635
Web Older American
02/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 20744
Web
02/16/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • CA
  • 90806
Web
02/15/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • VA
  • 20176
Web
02/15/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • FL
  • 33903
Phone Servicemember
02/10/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • FL
  • 32907
Referral
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94531
Web
02/08/2023 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • NC
  • 27703
Referral
02/05/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60626
Web
02/04/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • AZ
  • 85326
Web Servicemember
02/02/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • CA
  • 90049
Referral
01/26/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • TX
  • 76028
Web
01/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 76028
Web
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10461
Web
01/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76028
Web
01/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33179
Web
12/30/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60091
Web
12/20/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • TX
  • 76028
Web
12/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • 94568
Referral
12/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MI
  • 48187
Web
12/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21044
Referral
11/30/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • CO
  • 80015
Referral
11/30/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • TX
  • 75056
Referral
11/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IL
  • 60134
Web
11/18/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33173
Web
11/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MA
  • 02476
Web
11/16/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • FL
  • 33166
Web Servicemember
11/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Fraud or scam
  • CO
  • 80246
Referral
11/14/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • CA
  • 95466
Phone
11/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11550
Web
11/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 92260
Referral
11/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90005
Referral
10/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • WA
  • 98816
Referral
10/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • CA
  • 92345
Referral
10/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75052
Web
10/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85323
Web
10/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33009
Web
10/12/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Can't close your account
  • MN
  • 55105
Referral
10/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • NY
  • 12765
Referral
10/03/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93444
Web Older American, Servicemember
09/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10016
Phone
09/19/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • MD
  • 21230
Referral
09/13/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • FL
  • 33173
Web
08/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • CA
  • 90046
Referral
08/24/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NJ
  • 08083
Referral
08/24/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30127
Referral
08/23/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • TX
  • 75056
Referral
08/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • TN
  • 38556
Referral
08/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95610
Web
08/16/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30127
Referral
08/11/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • IL
  • 60091
Referral
08/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • TX
  • 78758
Referral
07/28/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • UT
  • 84321
Web
07/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60565
Web
07/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • 92037
Web
07/12/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • CA
  • 90046
Referral
07/11/2022 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • CA
  • 90804
Referral
07/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11003
Web
07/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • WA
  • 98226
Web Older American, Servicemember
06/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 77345
Web
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60069
Web
06/21/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • FL
  • 32968
Phone Older American
06/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Problem with signing the paperwork
  • MI
  • 48180
Referral
06/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30058
Web
06/02/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • RI
  • 02871
Referral
06/01/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • MO
  • 65804
Web
05/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60632
Web
05/24/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • MD
  • 21212
Referral
05/20/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • IL
  • 60202
Web
05/20/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 93111
Web
05/17/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AK
  • 99705
Referral
05/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 93933
Phone
05/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20011
Web
04/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • KY
  • 40207
Web
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92692
Web
04/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30082
Web
04/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 92675
Referral
04/15/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • 85049
Web
04/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75035
Web Servicemember
04/13/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • ME
  • 04989
Web
04/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80239
Web
03/28/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MI
  • 48237
Web
03/22/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IL
  • 60623
Phone
03/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85023
Referral
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 91384
Web
03/02/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 10468
Web
02/22/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • IL
  • 60068
Referral
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90029
Web
02/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • PA
  • 19087
Referral
02/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 10468
Referral
02/09/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60653
Web
02/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 94591
Web
02/04/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 90019
Web
02/03/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • NC
  • 28130
Referral
01/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60565
Web
01/25/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 95687
Referral
01/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 34117
Web
01/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • FL
  • 34117
Web
01/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 08873
Web
01/01/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95106
Web
01/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33317
Web
12/30/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • PA
  • 19390
Referral
12/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CA
  • 95134
Web
12/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • MN
  • 55391
Web
12/14/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NC
  • 27539
Phone
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60409
Web
12/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 18966
Referral
11/24/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WI
  • 53121
Referral
11/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • 85201
Referral
11/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NY
  • 11788
Referral
11/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • VA
  • 23803
Web
11/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Delay in processing application
  • KS
  • 67210
Web Servicemember
11/03/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33484
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78727
Web
10/13/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • RI
  • 02871
Referral
10/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • NJ
  • 07076
Referral
10/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 95125
Web
10/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • MN
  • 55920
Phone
10/01/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • NJ
  • 07666
Web
09/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 90241
Referral
09/21/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • NY
  • 10570
Web
09/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48504
Web
09/14/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • HI
  • 96817
Web
09/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • CA
  • 92130
Web Older American
09/02/2021 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
Referral
09/02/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92694
Referral
08/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89032
Web
08/24/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Unable to receive car title or other problem after the loan is paid off
  • NH
  • 03452
Referral
08/20/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • TX
  • 75034
Web
08/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 20774
Referral
08/16/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • CA
  • 95129
Referral
08/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • FL
  • 33409
Web Servicemember
08/05/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NY
  • 12534
Web
08/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • MI
  • 48121
Web
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33510
Web
07/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CO
  • 80205
Web
07/20/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30041
Web
07/12/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • TX
  • 79912
Referral
07/07/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • MD
  • 20878
Web
07/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NY
  • 11234
Web
07/02/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 95742
Web
06/28/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • FL
  • 34689
Referral
06/23/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • OH
  • 43082
Web
06/15/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Can't close your account
  • CA
  • 94403
Web
06/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33415
Web
05/23/2021 Yes
  • Student loan
  • Private student loan
  • Dealing with your lender or servicer
  • Problem with customer service
  • TX
  • 76302
Web
05/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33881
Web
05/17/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • CO
  • 81019
Referral
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • DC
  • 20017
Web
05/12/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 90266
Web
05/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • IL
  • 62821
Web Servicemember
05/11/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32117
Referral
05/10/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32162
Phone Older American, Servicemember
05/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32162
Web Older American, Servicemember
04/28/2021 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • IL
  • 60025
Web Older American
04/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NY
  • 13104
Web
04/26/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 95835
Web
04/11/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 94002
Web
04/09/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • PA
  • 15642
Referral
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60074
Web
03/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30080
Web
03/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Fees charged for closing account
Referral
03/25/2021 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • IL
  • 60091
Phone
03/22/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
Referral
03/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92707
Referral
03/11/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • IL
  • 60046
Web
03/11/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • IL
  • 60615
Phone
03/11/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • AZ
  • 86004
Referral
03/07/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • CA
  • 92653
Web
02/24/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Fee problem
  • FL
  • 33610
Referral
02/18/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • KY
  • 40026
Referral
02/10/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
Referral
02/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • PA
  • 15110
Referral
02/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • MA
  • 02474
Referral
01/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 92801
Web
01/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • GA
  • 30024
Web
01/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 60621
Web
01/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
Referral
01/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 94806
Web
01/12/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77006
Referral
01/07/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Applying for a mortgage or refinancing an existing mortgage
Referral
01/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IL
  • 60091
Web
01/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60124
Web
12/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20744
Web
12/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 77584
Web
12/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • IN
  • 46815
Phone
12/18/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • AZ
  • 85254
Web
12/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85323
Web
12/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • DE
  • 19702
Referral
11/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 10065
Web
11/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 20171
Web
11/16/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • DC
  • 20015
Web Older American
11/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
Phone
10/27/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • NC
  • 27560
Web
10/16/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • LA
  • 70835
Web
10/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 81504
Web
10/14/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Phone
10/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • TX
  • 77441
Web
10/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • IL
  • 60619
Referral
10/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19118
Referral
09/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CA
  • 92801
Web
09/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • IL
  • 60515
Web
09/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 28027
Web Servicemember
09/16/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • 18940
Referral
09/08/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • CO
  • 80905
Referral
09/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • NY
  • 14226
Web
09/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92024
Web Servicemember
09/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
Referral
09/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 94030
Web
09/01/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • AZ
  • 85264
Referral
08/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AZ
  • 85326
Web
08/21/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 34101
Web
08/20/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • TX
  • 77449
Referral
08/18/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • CA
  • 92345
Referral
08/17/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem related to refinancing
  • KS
  • 67037
Referral
08/13/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • AR
  • 72120
Web
08/10/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • AZ
  • 85260
Web Servicemember
08/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 92801
Web
07/30/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Deposits and withdrawals
  • GA
  • 30122
Web
07/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 34112
Web
07/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • CA
  • 92801
Web
07/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 92801
Web
07/16/2020 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Funds not received from closed account
  • NJ
  • 08701
Web
07/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • CO
  • 80601
Referral
07/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
Referral
06/29/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • CT
  • 06450
Web
06/26/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • CA
  • 90045
Referral
06/24/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60091
Referral
06/24/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
Referral
06/21/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • DC
  • 20036
Web
06/09/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92078
Web
06/08/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
Referral
06/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
Phone
06/03/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • CA
  • 94611
Referral
05/29/2020 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CO
  • 80126
Web
05/29/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
Phone
05/12/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • CO
  • 80237
Web Servicemember
05/05/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NY
  • 11365
Referral
05/04/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • NV
  • 89445
Referral
04/23/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • TX
  • 76092
Referral
03/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • UT
  • 84103
Web
03/23/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • IL
  • 60016
Referral
03/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94609
Web
02/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 75071
Web
02/12/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • WI
  • 53955
Referral
02/11/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
Referral
02/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • IL
  • 60654
Referral Older American
02/11/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Referral
02/01/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • PA
  • 18634
Web
01/28/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • 20814
Referral
01/06/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • IL
  • 60657
Referral
12/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19001
Referral
12/18/2019 Yes
  • Payday loan, title loan, or personal loan
  • Title loan
  • Problem with the payoff process at the end of the loan
  • CO
  • 80233
Web
12/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77382
Web
11/21/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • LA
  • 70056
Referral Servicemember
11/14/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • MN
  • 55364
Web Servicemember
11/13/2019 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Deposits or withdrawals
  • VA
  • 24572
Referral
11/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • CA
  • 90028
Web
11/05/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • FL
  • 33541
Postal mail
11/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • MN
  • 55106
Referral
10/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • LA
  • 70056
Web Servicemember
10/17/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • KS
  • 66047
Web
09/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • NJ
  • 07042
Web
09/16/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • CA
  • 91789
Referral
09/15/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • NY
  • 11365
Web
09/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • PA
  • 15102
Referral
09/06/2019 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Funds not received from closed account
  • TX
  • 78653
Referral
08/27/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 77336
Referral
08/20/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 95033
Referral
08/16/2019 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Banking errors
  • CA
  • 95401
Referral
08/08/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NV
  • 89121
Phone
08/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MS
  • 38803
Web
08/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
Phone Older American
07/31/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
Referral
07/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • ID
  • 83646
Postal mail
06/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • IL
  • 62711
Web
06/20/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • CA
  • 92563
Web Servicemember
06/07/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • TX
  • 77429
Referral
06/07/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • CA
  • 94561
Referral
06/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • IL
  • 60016
Referral
06/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11232
Web
06/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94662
Web Older American
06/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • IL
  • 60201
Referral
06/03/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • TX
  • 75208
Referral
05/30/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • CA
  • 90019
Web
05/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • IL
  • 60201
Web
05/22/2019 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • CA
  • 92780
Referral
05/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Referral
05/01/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • KS
  • 67010
Referral
04/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • MA
  • 02368
Phone Older American
04/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KS
  • 67214
Phone
03/12/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NC
  • 27613
Web
03/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 11219
Referral
02/21/2019 Yes
  • Checking or savings account
  • Checking account
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31523
Web
02/14/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with customer service
  • CA
  • 95661
Web