Consumer complaint received 2021-05-18
Company: WESTERN ALLIANCE BANCORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I want to thank you for giving me a chance to respond ( cfpb response XXXX ). The previous email I received, ( cfpb response XXXX XXXX my case was closed before I knew it. 

I have the response from the bank and attached to this letter. ( response complaint alliance XXXX, with exhibit A ) My responses are followed. 

1. The title of the letter from the bank is different. My first reaction was someone else who did not really know the situation answered it. So that bank can deny responsibilities if anything went wrong. 

2. The letter claimed " specific PO Box '' was assigned. I read the exhibit A from them and could not find it on " Bill Pay Service '' section ; it did not say anything about it. Bill Pay Service was recommended in the letter. I use my banks Bill Pay Service connects to Alliance Bank 's Bill Pay Service and I believed it was a good choice. I think whoever wrote it made it up the PO Box and used it to deny whoever they wanted to. After all, I had a few bill pay payments successfully delivered before they started to block me. I believe that argument is an excuse for their discrimination. 

3. The letter claimed that the check must be payable to " XXXX XXXX ''. I sent this information before and I attach it for you again. I set up the profile of Alliance Association Bank in my bank long time ago. ( Alliance bank profile ) In the profile the company name listed as Alliance Association Bank and nickname is " XXXX XXXX XXXX ''. If they had any question, my bank could explain it easily. They simply did not want to know. I have a sample check attached. ( return check XXXX ) It prints " XXXX XXXX '' on the top left corner of the check. It is clearly to me that they determined to return, no matter what to certain customers. It is discrimination. I also have the information of account number, company ID with it. I believe it was very clear, if they were open minded. If they decided to discriminate against you, that was the way. You could ask that bank to provide old bill pay checks and see it yourself. 

4. If you read their exhibit A carefully, you can find out that a PO Box is under the " US Postal Service '' section. That Box is for people mailing their checks in, not for bill pay service. I believe Alliance Bank just stretch the facts and argue it in whatever way they want when they wanted to. It is discrimination. 

XXXX. I have an up-to-date version of exhibit A attached to this letter XXXX payinstruction ), starting in XX/XX/2021. The letter did not reveal my account numbers but points it to the coupons. I have a sample coupon attached ( payslip ). The first coupon ever that mailed out by XXXX XXXX. In that coupon my two account numbers were XXXX and XXXX. I believe XXXX bank indicates that two numbers were not correct. Therefore, I believe that XXXX XXXX and Alliance bank together are trying to cheat me then pointing fingers to other directions. I did not use those numbers. If you can look through the transactions history of mine, it would show that I was using the numbers as in their exhibit A, XXXX and XXXX. I believe I had all details right. Please open their books and check it out for yourself. Listen to Alliance Bank 's stories can only confuse you. If they refuse to provide details, I can go to my bank to acquire it for you. All their efforts are covering their actions of discrimination. 

My conclusion is nothing was true in that letter from Alliance Association Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation