Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
XXXX : Open a new Debit card account. 
XXXX : New Debit card on the way to me. 

I never received this new card. 

XXXX : This Debit card was activated by someone other than me. Alliant states that they have a recording of my voice calling in to activate this card and providing my SSN #. 

I did not do this. 

XXXX : A deposit of {$6400.00} was made to this account using a stolen XXXX check originally issued to someone I do not know. This person likely stole this check from someone else 's mailbox the same way they stole the debit card from my mail box and cashed it to my Alliant account under my name. 

XXXX : This amount was returned due to XXXX being notified of this being a Fraud. 
The person continued using this card making purchases, causing the card to be over-drafted because the check amount had been returned. 

XXXX : I was not able to access my online account. This is when I first contacted Alliant, to which they told me the account is under investigation. 

XXXX : I called asking for updates. Nothing. 
XXXX : I called again asking for updates. Nothing. 

Throughout each of these calls, Alliant would not disclose of the amount that was deposited nor would they tell me what charges had been made on this account. 

XXXX : A XXXX agent, XXXX XXXX XXXX contacted me regarding an insurance check that was cashed under my name. I have not been in any accident nor do I have insurance with XXXX. I met with this agent and gave my formal statement regarding this incident. 

I called Alliant again following the meeting and they informed me that the account has been closed down. No further actions required. I do not know the name of the person I spoke to this day. 

I have heard nothing from Alliant or XXXX regarding this issue. To my knowledge, this has all been taken care of. 

XXXX. XXXX : I went into check my credit scores and saw that there is an account tied to Alliant, saying that I owe {$1200.00} to Alliant. This is the over-drafted amount after the altered check was returned to XXXX. This is when I called Alliant again and left a voicemail for a XXXX XXXX. 

XX/XX/XXXX : XXXX sent me over to the Fraud department at Alliant to which they informed me that this amount is owed by me and that the investigation had been closed on their end. Alliant never informed me of this amount nor did they say I would be responsible for it. Again, stating that they have voice recording of this. 

XXXX. XXXX : I called XXXX back and she agreed to send over all bank statements including the one from XXXX which shows activities on the account in the month that this fraud charges happened. She also informed me that they do not store Check images when I asked for the information on that check cashed under my name but she provided the ATM location and date that the fraud check was deposited to. 

I am now in the process of filing a police report in order to use this to remove the account and collection charges from my credit report.

Company response to consumer: Closed with explanation