Complaints

This profile includes complaints for Alliant Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Alliant Credit Union

  11545 W Touhy Ave Chicago, IL 60666-5000

  
• 

  Alliant Credit Union

  7505 E. 35th Ave. #3-385 Denver, CO 80238

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/07/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened two savings accounts one for each of my minor children. I received a letter that my daughter, ********* ***** ******** social security number was incorrect in December 2024. I checked the application and called Alliant, they apologized and looked at the application and said it was a bank error, the application I submitted had her correct social security number. In January funds started being withdrawn from my daughters savings account for *** withholding. I called and spoke to ******* 3 times from January to March and via email. Each time I got an apology and told nothing further for me to do, it was a bank error, and the *** withholding would be reimbursed, as my accountant says due to the *** withholding being under an unknown social security number, theres no way it can be claimed on our taxes. Eventually ****** stopped answering and I had to start over with new representatives. Each time Im promised they will fix it, and the funds taken from my daughter would be credited back. 7 months of trying to resolve this issue, and nothing. Each customer service representative sees the bank error, promises it will be fixed, and nothing is done. Money has been taken from my daughter month after months due to a bank error. If this is not resolved I will be going to see guidance from an attorney. A bank error has caused me at least 15 hours on the phone, typing emails. Its a waste of time! 

  

  Business Response

  Date: 07/17/2025

  Dear **** **********,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated July 8, 2025.
  
  Alliant has removed the *** backup withholding from your daughter, ********* ********,Alliant account.  The amounts withheld between November 30, 2024 and June 30, 2025, totaling $12.55, has been credited to ****************** account on July 16, 2025.
  
  We apologize for any inconvenience you have experienced.  Your experience has been shared with the appropriate management to review for training opportunities.
  
  Thank you for bringing your concerns to our attention.  We hope that you find this information helpful. If you have any questions, call us at ************. 
  
  
  Sincerely,
  
  Alliant Credit Union

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23567743
  
  I am rejecting this response because:

  Thank you for resolving half of the issue, providing my daughter back the *** withholding amount which was held due to your banks error. But the major issue is moving forward, please confirm this bank error has been fixed and you have now used Gabriellas correct Social Security Number, the number we provided on the application. 
  
  Sincerely,
  
  **** **********

  

  Business Response

  Date: 07/22/2025

  RE:BBB Complaint ID ********
  
  
  Dear **** **********,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated July 18, 2025.
  
  The social security number on record matches the social security number provided with ********* ******** membership application.
  
  Thank you for bringing your concerns to our attention.  We hope that you find this information helpful. If you have any questions, call us at ************. 
  
  
  Sincerely,
  Alliant Credit Union

  Customer Answer

  Date: 07/23/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** **********

• Initial Complaint

  Date:06/27/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Applied for loan with Alliant FCU for an **, after inputting all the details to include the ** and loan amount, was approved for a term of 144 months at a rate of 7.99%. When I called to check status of the loan the person I spoke with advised me they would check with underwriting but he advised me that they will require the dealer invoice pricing in order to fund the loan. The day before we are supposed to close the deal, Alliant then advised us that they will only give us the 7.99% rate on 90% of the wholesale price on a new **. No dealer is going to sell an ** for less than what they paid for it. Any loan amount that is above that, they will significantly increase the rate (up to 100% they advised us). This has all the hallmarks of a bait and switch. Bait the customer in with a low rate, have them apply, only to change the terms to a higher rate just before the customer is to close the deal resulting in the customer being pressured to either accept the new higher rate or lose the deal on their new **.

  

  Business Response

  Date: 07/07/2025

  Hello. Please find Alliant's response to your complaint attached. Thank you.

• Initial Complaint

  Date:06/12/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a loan through Alliant. It began in April 2024. Payments were being taken electronically the first of each month since April 2024 with no issues. I recently noticed that my June 2024 payment had not been taken from my bank. I contacted Alliant on 6/11/25 and the **** who was extremely rude, explained to me that the payments were set up as transfers and that those had ended and that was why the payment was not made. She said that I could either set up transfers again (which would end after a certain period of time) or I could fill out a form to begin *** transfers (which would continue until the loan is paid in full). I chose to set up the *** transfers and I completed their Docusign form and requested that the *** transfers begin on July 1, 2025. I also went in and set up a transfer payment for June to take care of the June payment. Later that day, when I looked in my account, the transfer was not showing so I called back and got another *** who told me that my account did not show a transfer payment had been set up. Due to this, I made a telephone payment with her over the phone to take care of the June payment since it was now late. I asked and was assured by the ***resentative that only one payment would come out. She put me on hold for a very long time to check with a supervisor and came back and assured me that there would be one payment for June and then the *** withdrawal would begin in July. On 6/12/25, I checked my bank and there was one payment taken out and a second payment is pending. I called Alliant back, spoke to a supervisor who told me that there were two payments made. She said that when the *** was set up they should have told me that it would take not only the July payment, but the June payment as well. When I asked her if one of the payments could be canceled, because it would cause a great hardship for me she said that it could not. They have received a double payment through no fault of mine and they refuse to return my money. 

  

  Business Response

  Date: 06/24/2025

  RE:BBB Complaint 23460471
  
  
  Dear ****** *******,
  
  Thank you for the opportunity to address your concerns. We are happy to research and respond to your complaint dated June 12, 2025.
  
  On June 11, 2025 (at 10:36 am CST), Alliant received a request to set up recurring loan payments from a verified external financial institution to start on June 11, 2025 via Online Banking.  A payment began processing on June 11, 2025 according to Alliants daily transfer processing schedule (around 12:00pm CST). Later in the day, a separate *** Authorization Form was submitted to set up recurring loan payments from an external financial institution to start on July 1, 2025 (received at 2:07 pm CST).  You then cancelled the initial recurring payments that were scheduled via Online Banking earlier in the day (at 2:49 pm CST).  The *** Authorization Form you submitted remains in place and recurring payments will start on July 1, 2025, per your request.
  
  We apologize that our phone agent did not identify that you had a loan payment in process via Online Banking when you inquired. Your experience has been shared with the appropriate management to review for coaching opportunities.
  
  While researching this complaint, the loan payment that posted on June 11, 2025 was returned to Alliant unpaid on June 17, 2025.  As a result, this payment was reversed from your loan.  There is no payment amount required to be returned at this time.
  
  Thank you for bringing your concerns to our attention.  We hope that you find this information helpful. If you have any questions, call us at ************. 
  
  
  Sincerely,
  Alliant Credit Union

  Customer Answer

  Date: 06/24/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is ****** ****** Creek and I am currently being stolen from by this merchant, I didn't know what was going because I know several weeks ago I called during business hours and asked for them to completely shut down my account all together, I do not want to be in business with anybody who will not give me my own information on my own account with their company!! As a consumer I have rights and those rights are not to be infringe upon. My account was supposed to be close , period and they are still taking money from my account and I actually have money in the account they won't enclosed my own balance to the account or any of the transactions to my account either , in the app I can't even unlink them from my bank account so they will stop taking money out of my bank account!! This needs to stop and I want every single dime you have taken out of my bank account or I will take this further and when you send me back my money your stealing from me I want my account taken down and my bank unlink from you and your business!! 

  

  Business Response

  Date: 05/28/2025

  Hello, our response is attached.  Thank you. 

• Initial Complaint

  Date:03/29/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had many fraudulent transactions on my credit card account. My ********************** card information was stolen and used to make all of these transactions. And Alliant is refusing to refund me for them and trying to say I made the transactions just because they were in my name. But the person used all of my information when they made all of them.

  

  Business Response

  Date: 04/17/2024

  RE: BBB Complaint ID ********
  
  
  Dear ***************************,
  
  Thank you for the opportunity to address the concerns raised in this complaint dated March 31, 2024. As a desired resolution, you are requesting a refund for all the fraudulent transactions on your Alliant credit card.
  
  Alliant has reviewed your Alliant credit card account and have found that transactions totaling $2,246.79, were reported as a fraud dispute on January 11, 2024.  Some of these transactions were included in a prior non-fraud dispute that was reported and closed in 2023.
  
  In the investigation of your fraud dispute, the merchant(s) provided compelling evidence that shows you authorized transactions which totaled $2,077.79.  As a result, provisional credit for transactions totaling $2,077.79 was reversed and the fraud dispute was closed on February 16, 2024.  The provisional credit transactions totaling $169.00 will remain as a final credit on your account as we did not receive any compelling evidence that that these transactions were authorized by you. Based on the investigation of the disputed transactions, Alliant is unable to provide any additional credits on your Alliant credit card and have no further chargeback rights.
  
  Thank you for bringing your concerns to our attention.  We hope that you find this information helpful. Please feel free to phone us at ************** should you have questions or need assistance.  
  
  
  
  Sincerely,
  Alliant Credit Union 

• Initial Complaint

  Date:03/21/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please see the attached letter

  

  Business Response

  Date: 03/27/2024

  Hello,

  Alliant received a duplicate complaint filed with the ***** Our response to the **** (which also responds to this complaint) is attached for your reference.

  Sincerely,

  Alliant Credit Union

• Initial Complaint

  Date:03/18/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had recently opened a new checking and saving account with **********************. After my account was fully open I deposit a cashier check from my bank account at another instution thinking I can fund it and use the account for bill towards my landscaping business I own. I deposit a cashier check for ***** dollars which I intend to use to pay my bills but right after the check was deposited and fund made available to me my account suddenly lty went on restriction . With no explanation or cause to why they would do that they suspend my account and denied me access to fund ds I really needed to keep my business afloat .. its been 3 weeks now and they still have given me no reason as to why they did that . The first 2 weeks I called everyday but was met with the same answer . They can tell me nothing and I just have to wait for the specialist who handles my case to reach out to me . So now it's been 3 weeks and still no word . I'm at lost on what I can do or what I have done for them to hold my fund from me and now I'm at risk I. Falling behind on bills and possibly losing my business.

  

  Business Response

  Date: 03/22/2024

  Our response is attached. Thank you.

  Customer Answer

  Date: 03/25/2024

   
  Complaint: 21447103
  
  I am rejecting this response because: i have been waiting a month now for their investigation to get resolved so how long is it going to take.  i kept calling and finally i got in touch with the agent thats handling the case and he didn't tell me in anything and hanged up on me becuase we had a slight arugument over who trying to get a hold of who when ive been calling him for a month now and he doesnt ************* . he was unprofessional and hang up on me in the middle of our conversation.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 04/02/2024

  Please see our attached response.  Thank you. 

• Initial Complaint

  Date:03/13/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been denied multiple times for a credit card with Alliant although I meet the requirements to have card. They keep stating that its due to inquiries. Most of my inquires are due to mortgage as I have been searching for a new home or a creditor pulling my credit during the mortgage process. I called and emailed multiple times and no one ever assist. They told me I will need a cosigner although I have over a 720 credit score.

  

  Business Response

  Date: 03/14/2024

  Our response is attached. 

  Customer Answer

  Date: 03/14/2024

   
  Complaint: 21427505
  
  I am rejecting this response because: The reason I'm being denied does not make any sense.  You all are telling me I do not qualify when I'm more than capable of sustaining a credit card.  I make over ******* year own a business recently paid off my mortgage and have other credit cards which are paid off in full monthly.  I will move forward with ending my relationship with this bank as its ridiculous that I can not get approved for anything with the bank and have ABSOLUTELY NO NEGATIVE ITEMS ON MY CREDIT. 
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 03/14/2024

  Dear *****************************,

   

  As stated in our response, Alliant has taken a second look at your credit card application and the denial stands. All applications are carefully considered.  Once again, please refer to the reasons stated on the Adverse Action Notice for the denial reasons. 

   

  Sincerely,

  Alliant Credit Union 

• Initial Complaint

  Date:03/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s- 2 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 errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any 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 errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws.Someone needs to hold them accountable for this.Please DELETE the fraud Account from my ********************** Report does not relate to any transactions that I have made.The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT .

  

  Business Response

  Date: 03/06/2024

  Please see our attached response. Thank you. 

• Initial Complaint

  Date:03/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ALLIANT CREDIT UNION has my account overdrawn by -$40.84. A MERCHANT HAS ACCESS TO MY ACCOUNT WITHOUT MY KNOWLEDGE, AND TOOK $182.00 from my balance. I AM DISPUTING THE CHARGE WITH ALLIANT CREDIT UNION. I made a deposit in February 23, 2024 from my school direct deposit of $2,186.00. Then all of a sudden things changed. I paid my RENT $1,293.55. Suddenly I received a notification of a negative balance. I contacted ALLIANT CREDIT UNION and spoke to a rep. *** changed my account number and routing number. I proceeded to ask her for a provisional credit until the dispute is resolved but was DENIED. I AM LIVID TO SAY THE LEAST. ALLIANT CREDIT UNION has always had my back. Now I feel like they are trying to rob me. Anytime there is a dispute, a provisional credit should be applied for the inconvenience and until the Matter is resolved. I WOULD LIKE THE BBB TO INVESTIGATE the matter and take points from this business because they did not honor the policy of provisional credit plus, I still have a negative balance. I AM VERY DISAPPOINTED IN THE SERVICE I RECEIVED. PLEASE HAVE BBB INVESTIGATE THIS BUSINESS PRACTICE.

  

  Business Response

  Date: 03/11/2024

  Hello. Please find Alliant's response to your complaint attached. Thank you. 

  Customer Answer

  Date: 03/13/2024

   
  Complaint: 21386139
  
  I am rejecting this response because:
  A. Alliant CU has charged a $25 stop payment fee to my account because of the $182.00 unauthorized transaction

  B. I am unable to use my debit card

  C. Has Alliant issued a new Debit card?

  D. Has Alliant issued a new account number and routing number?

  E. Has ********************** issued a new savings account number?

  F. Has ********************** issued a new checks as promised? 

  What is the status of all of the above?

  Thank you for your attention to this response as I have money in my checking account and cannot access it because all old account information has been changed and my current debit card is locked. Could you Please clarify the status of my account?

  Sincerely,
  
  ************************

  

  Business Response

  Date: 03/19/2024

  Hello. Please find Alliant's response to your complaint attached. Thank you.