Consumer complaint received 2023-12-08
Company: ALLIANT CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
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

Company response to consumer: Closed with monetary relief