Consumer complaint received 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I am complaining regarding my mortgage company, Alliant Credit Union 's deceptive practices. In XX/XX/2025, I made a payment by check through the mail in the amount of {$5500.00}. That included an excess payment of {$66.00} that I designated to be paid to principal on the payment coupon. On my XXXX statement, I learned that they did not apply any of my payment to my loan, called the entire {$5500.00} an " unapplied '' payment, and I had to call to have this corrected. I then promptly mailed my XXXX payment in the same manner with the same amounts. That check was apparently lost in the mail. I contacted Alliant online on XX/XX/XXXX to inform them of the situation and request my late fee be waived, but they declined on XX/XX/XXXX and said I needed to call another bank without providing their contact information. No longer trusting the mailing option of payment, I went online to pay, but was required to make XXXX individual transfers of {$1000.00} ( XXXX per day ) for 6 days in order to put enough money in my account to pay the loan. They do not allow you to pay online using another bank account ( I have XXXX ). By the time I learned of the unpaid XXXX bill and was able to transfer all the funds, it was early XXXX. When I paid the amount online, it said that only the usual {$5400.00} was due, so that is what I paid. I then contacted my bank to stop payment on the check that was lost in the mail. Again, not trusting the mail anymore, I began the tedious process of transferring funds to my account with Alliant from XXXX ( another 6 days of transferring {$1000.00} each day ) and when I went to make the payment, it said again that only {$5400.00} was due. I made a payment of {$5500.00} and put in the comments that {$66.00} was to be applied to principal. After that payment went through, I received a mortgage statement that said I owed interest from the XXXX late payment of {$190.00}. The statement predated my XXXX payment, but when I paid the XXXX payment online, it said I only owed {$5400.00} and made no mention of interest. If it had, I would have paid it. Since then, just yesterday, I have received a notice of default and a revised XXXX Mortgage Statement dated XX/XX/XXXX, both stating that I owe a late payment fee of {$190.00} and even threatening me that if I do not pay the late fee by XX/XX/XXXX then my loan could be accelerated. Furthermore, it says that my additional payment of {$66.00} is " unapplied ''. So, today, I called customer service to get an understanding of what is going on. She said that on XX/XX/XXXX, my {$66.00} was applied to my late fee and that now I only owe {$120.00} in late fee. I complained that this was not clear on the statement. Immediately after the call, I went online to start the process of transferring funds over yet again to pay my XXXX bill including the late fee. However, my online account, yet again, says I only owe the usual payment of {$5400.00}. When I go to the payments register, it shows my {$66.00} had been received but does not re ect anywhere that it was applied to late fees and in fact just describes it as a " regular payment ''. My account does not make mention anywhere that I even owe a late fee, so I would not even know the balance had I not called. Even worse, if I paid what it says is due for XXXX as of today, I would not have paid the {$120.00} in late fees, and they could attempt to foreclose on my mortgage. It is extremely deceptive that the amount shown as due on my Mortgage Statement is not what is shown as due online. A person less attentive to detail than I could have their credit ruined by a foreclosure ling as a result of this deceptive behavior.

Company response to consumer: Closed with monetary relief