Consumer complaint received 2021-03-21
Company: ALLIANT CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
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.

Company response to consumer: Closed with explanation