Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
Consumer Complaint to Alliant Credit Union Subject : Persistent Refusal to Provide Proof of Valid Contract or Evidence of Injury by Alliant Credit Union To Whom It May Concern : This communication addresses Alliant Credit Unions persistent and deliberate refusal to provide evidence of a valid contract, including proof of valid consideration, or demonstrable loss as a result of any actions on my part. After multiple requests and repeated follow-ups, Alliant Credit Union has consistently failed to substantiate its claims that I have broken a valid contract or caused measurable loss justifying its pursuit of remedies against me.

Violation of Truth and the Law The refusal to provide this critical evidencedespite maintaining accusations against meconstitutes bearing false witness. This act violates the highest moral and legal precedents that underpin justice and fairness in society, as enshrined in the Ninth Commandment : You shall not bear false witness against your neighbor. This principle is not merely religious doctrine but the moral foundation upon which Western legal systems, including U.S. law, are built.

Specific Laws Violated Alliant Credit Unions failure to substantiate its claims constitutes violations of the following laws : Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

The Truth in Lending Act requires lenders to disclose terms, conditions, and obligations associated with credit agreements. Failure to demonstrate valid consideration ( a foundational requirement of a contract ) violates the transparency and accountability obligations mandated by TILA.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 Alliant Credit Unions refusal to provide evidence while pursuing claims constitutes an unfair and deceptive practice. Pursuing remedies without valid substantiation imposes unjust burdens on consumers and undermines trust in financial institutions. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

If Alliant Credit Union or its agents have sought remedies without validating the debt, they have violated FDCPA provisions requiring clear evidence of the debt 's legitimacy and the consumer 's obligation to pay.

Uniform Commercial Code ( UCC ) Article 3 and Article 9 Under the UCC, a contract must involve valid consideration, and claims on a secured interest must be substantiated with clear proof of an enforceable agreement. Alliant Credit Unions inability or unwillingness to produce this evidence suggests noncompliance with these standards. 

Evidence of False Witness The failure to produce the requested evidence, despite repeated inquiries, demonstrates the following : Absence of Valid Contract : Without evidence of valid consideration, there can be no legitimate contract under the Uniform Commercial Code or general contract law. 

Lack of Demonstrable Loss : No proof has been provided of any injury or loss incurred by Alliant Credit Union as a direct result of my actions, as required to pursue remedies. 

Moral and Legal Implications Alliant Credit Unions persistent refusal to address these concerns amounts to bearing false witnessasserting claims without evidence and imposing undue burdens on me as a consumer. Such actions violate not only legal statutes but also the ethical standards that justice demands.

The Ninth Commandment, which underpins the moral fabric of law, prohibits false accusations and demands accountability. A refusal to provide proof of a valid claim is a direct violation of this principle and undermines the legitimacy of any actions taken by Alliant Credit Union in this matter.

Accrued Violations and Notice of Escalation Every minute that Alliant Credit Union and its proxies insist on maintaining their false claim against me without providing proof of validity will be counted against them. As of XX/XX/year>, this amounts to XXXX days of violating the Ninth Commandment. Given that Alliant Credit Union has over XXXX members, this ongoing violation applies to all of them, compounding the gravity of this matter. 

Let this serve as a final warning : I will demand accountability from the FBI, SEC, DOJ, and the moral American public. Any attempt by Alliant Credit Union to collect this debteither directly or indirectly through proxies such as a law firm or a local policy enforcement agency ( e.g., the XXXX XXXX XXXX XXXX ) will further rack up criminal charges against the individuals responding to and supporting Alliant Credit Unions actions in this matter.

The executive team of Alliant Credit Union should carefully contemplate what penalties for not dropping this case against me, XXXX XXXX, and undoing all Alliant contracts will mean if this criminal activity persists. History and justice will not look kindly on those who choose to perpetuate these unlawful and immoral practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation