Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
Subject : Urgent Complaint Regarding Mismanagement of Direct Deposit Funds Due to Account Number Transposition I am writing to formally lodge a complaint against Alliant Credit Union concerning a serious issue with a direct deposit transaction that has not been resolved satisfactorily despite my prompt efforts to rectify the situation. 
Here 's a chronology of the events : XX/XX/XXXX XXXX XXXXXXXX deposited {$2000.00} into the account I had provided for them, they told me it should post by XXXXXXXX XXXX  XX/XX/XXXX XXXX E-mailed Quality asking about missing deposit, I had indicated it should go to my savings account XX/XX/XXXX XXXX Got off the phone with XXXX XXXX XXXX XXXX XXXX ), she confirmed that the account number that funds were deposited in does not exist and that I should be getting a rejection notice within 3 business days ( THAT WOULD HAVE BEEN XX/XX/XXXX ) Later on this day, XXXX tells XXXX that they have not seen any rejection notice on their end. XXXXXXXX XXXX They had asked me if Alliant shows the transaction on their end. 
XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Received a secure message from XXXX XXXX. I looped in XXXX to respond to said e-mail. She requested a letter of indemnification not specifying that it should come from the bank. So a lot of time has been wasted on the back and forth and lack of accurate information being communicated. 
I reached out in XXXX when I realized that this was not squared away. I was promised return calls as it seemed they were not empowered to handle the situation. 
In XXXX, I spoke with multiple supervisors. XXXX was XXXX XXXX. WE were on the phone for nearly two hours. I finally felt a sense of being taken cared of by an actual human being who cared. I remember the part where she puts me on hold to make sure that the fund were still available to be released. She checked, said yes but instructed me to get our company to have XXXX sign a letter of indemnification. I was not given any indication that the funds were no longer available at this time, I spoke with her again last week after leaving a message with the supervisor of XXXX XXXX to call me back as XXXX was on vacation, I was told that the case is closed and the decision is final and that I had to take it up with my companys bank. 
THe last supervisor I spoke with wasXXXX. She was told me that there was nothing Alliant can do and that I should email executive review. I have not received the courtesy of a response as of this writing. 
The funds have not been credited to the correct account, nor have I received a satisfactory explanation or resolution from the bank. I have followed up multiple times, including as well as our VP of finance for XXXX, but each time we have been met with delays, unfulfilled promises, and inadequate responses. 

This is causing me considerable inconvenience and financial distress. I have provided all necessary documentation and cooperation, but the bank 's failure to act effectively is unacceptable. I am concerned that my rights as a consumer are not being adequately protected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and assist in resolving this issue. The resolution I seek is for the funds to be transferred to my correct account immediately and for the bank to provide a full explanation of the delay and any compensation for the inconvenience caused. 

Enclosed with this letter are copies of all relevant documents, including bank statements, correspondence with Alliant Credit Union, and any other supporting materials. 

Thank you for your prompt attention to this matter. I look forward to your assistance in ensuring that my issue is resolved swiftly. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Documentation and Correspondence ] Health Resources ) back on XX/XX/XXXX. Initially, two digits were accidentally transposed but we caught it early on. Heres a chronology of events :

Company response to consumer: Closed with explanation