topic Re: Good Riddance Alliant... in Personal Finance

Good Riddance Alliant...

tussking — Tue, 31 Mar 2020 16:31:06 GMT

I have established a 4+ year relationship and in those four years, they have offered me nothing nada zippo.

Rejected me for any credit card or loan anytime I applied.

Fast forward to today.

I applied for their Covid-19 emergency loan last week.

I was approved for $5,000.

They asked for two recent paystubs. I uploaded them FIVE minutes later.

Then no response.

I called in was told everything is in order your check will leave Monday via Fed-Ex we will message you.

Nothing Monday till 4pm when they requested DL - SS Card - Proof of residency.

I provided all of this info when I opened my account/membership and nothing has changed.

I uploaded it FIVE minutes later anyway.

They called me and told me everything is in order and completed. The check will leave Tuesday.

I wake up to a secure message asking me to sign a form 4506-t.

That was it...

Nothing has changed in my credit profile in any bureau in 5 years. My employment has been the same for 10 years.

I immediately withdrew my application and transferred my funds in my checking account OUT to my NFCU account.

Once those clear I will close and cancel my membership and NEVER give them another look again.

Their customer service absolutely sucks.

I applied for the emergency loan with NFCU and had the funds in my account in 20 mins. GOOD RIDDANCE ALLIANT.

Re: Good Riddance Alliant...

AllZero — Tue, 31 Mar 2020 16:34:18 GMT

Glad to read that you were able to get the loan you sought.

Re: Good Riddance Alliant...

Anonymous — Tue, 31 Mar 2020 16:36:20 GMT

@tussking wrote:
I have established a 4+ year relationship and in those four years, they have offered me nothing nada zippo.
Rejected me for any credit card or loan anytime I applied.
Fast forward to today.
I applied for their Covid-19 emergency loan last week.
I was approved for $5,000.
They asked for two recent paystubs. I uploaded them FIVE minutes later.
Then no response.
I called in was told everything is in order your check will leave Monday via Fed-Ex we will message you.
Nothing Monday till 4pm when they requested DL - SS Card - Proof of residency.
I provided all of this info when I opened my account/membership and nothing has changed.
I uploaded it FIVE minutes later anyway.
They called me and told me everything is in order and completed. The check will leave Tuesday.
I wake up to a secure message asking me to sign a form 4506-t.
That was it...
Nothing has changed in my credit profile in any bureau in 5 years. My employment has been the same for 10 years.
I immediately withdrew my application and transferred my funds in my checking account OUT to my NFCU account.
Once those clear I will close and cancel my membership and NEVER give them another look again.
Their customer service absolutely sucks.

I applied for the emergency loan with NFCU and had the funds in my account in 20 mins. GOOD RIDDANCE ALLIANT.

Darn, that sucks! Sorry to hear. Aside from a "welcome email" I got from an actual person that seemed like they were assigned to be my personal banker or something (which tbh, first time I've had this and was impressed with), I haven't had any experience with their CS or products - other than parking a little bit in their savings.

Glad NFCU came to the rescue though!

Re: Good Riddance Alliant...

Anonymous — Tue, 31 Mar 2020 16:59:11 GMT

@tussking wrote:
... I applied for the emergency loan with NFCU and had the funds in my account in 20 mins. GOOD RIDDANCE ALLIANT.

Thanks for sharing your (lousy) Alliant story. Sorry it didn't work out better for you.

Might you now share some details on your favorable Navy experience?

Re: Good Riddance Alliant...

Gmood1 — Tue, 31 Mar 2020 18:34:13 GMT

Honestly, I'm not a fan of their loan department either.

A couple of years ago, I withdrew $20k out of their accounts and have never looked back.

Besides their deposit accounts side.

I find nothing special about Alliant.

I'll ride that secure loan out till the last day.😂

IMHO, they act more like a bank than a credit union.

For example, I can call Penfed give them the information on a vehicle for an auto loan.

And a check is in the mail that day. No hoop jumping or trying to prove I am me.😂

I'm sure I can do the same with USAA or NFCU. And it would be the same outcome as Penfed.

Alliant wants DNA test done for loans.😂

Re: Good Riddance Alliant...

Anonymous — Tue, 31 Mar 2020 17:19:33 GMT

It left a real bad taste in my mouth when I was getting all of these CUs and banks emailing me about their options during COVID-19 and Alliant decided it was more important to warn about savings rates being slashed days before they said anything about actually offering assistance of any kind. Glad you had NFCU to rely on.

Re: Good Riddance Alliant...

Anonymous — Tue, 31 Mar 2020 17:22:00 GMT

@Anonymous wrote:
It left a real bad taste in my mouth when I was getting all of these CUs and banks emailing me about their options during COVID-19 and Alliant decided it was more important to warn about savings rates being slashed days before they said anything about actually offering assistance of any kind. Glad you had NFCU to rely on.

Now that you mention it, I do recall finding it odd that I got that email instead of something offering assistance too!

Re: Good Riddance Alliant...

Anonymous — Tue, 31 Mar 2020 17:30:55 GMT

@Anonymous wrote:
@Anonymous wrote:
It left a real bad taste in my mouth when I was getting all of these CUs and banks emailing me about their options during COVID-19 and Alliant decided it was more important to warn about savings rates being slashed days before they said anything about actually offering assistance of any kind. Glad you had NFCU to rely on.
Now that you mention it, I do recall finding it odd that I got that email instead of something offering assistance too!

It doesn't really show a strong desire to assist their members that's for sure.

Re: Good Riddance Alliant...

Anonymous — Tue, 31 Mar 2020 18:23:05 GMT

After seeing how alliant treated my brother I'll never use them and neither will my brother. It was always the run around and nothing but issues for him

Re: Good Riddance Alliant...

M_Smart007 — Tue, 31 Mar 2020 18:53:37 GMT

Sorry about your Alliant experience. I have No dealings with them.

"I applied for the emergency loan with NFCU and had the funds in my account in 20 mins"

Congrats on your emergency loan approval and speedy funding

Navy Rocks!!!

Re: Good Riddance Alliant...

tussking — Tue, 31 Mar 2020 19:23:39 GMT

Sure...if you have a relationship with NFCU they treat you like family. They are the VERY BEST CU/BANK I have ever dealt with in my lifetime. I am so loyal to them that they get all my business besides my Jetblue card for miles.

I have even started to get turned off by Penfed. I will always keep them for options because they do have good customer service.

BECU is absolutely amazing and I think within time they will show me plenty of love too.

Re: Good Riddance Alliant...

WowCool — Tue, 31 Mar 2020 23:36:46 GMT

Similiar situation happened yesterday with Alliant with my DD. They flat out denied her for the emergency loan. I was so upset since I told her to apply with Allient. I immediately moved my funds over to PNC, closing Alliant as soon as transfer is completed. Dont need them! Shameful credit union in my book!

Of course she applied with NAVY and was approved with no problem! Go Navy!

A credit union that gives a hoot!

Re: Good Riddance Alliant...

Anonymous — Wed, 01 Apr 2020 00:19:03 GMT

@M_Smart007 wrote:
Sorry about your Alliant experience. I have No dealings with them.

"I applied for the emergency loan with NFCU and had the funds in my account in 20 mins"

Congrats on your emergency loan approval and speedy funding

Navy Rocks!!!

Does that mean we can call you a "Squid" ?

Re: Good Riddance Alliant...

M_Smart007 — Wed, 01 Apr 2020 00:24:27 GMT

@Anonymous wrote:
@M_Smart007 wrote:
Sorry about your Alliant experience. I have No dealings with them.

"I applied for the emergency loan with NFCU and had the funds in my account in 20 mins"

Congrats on your emergency loan approval and speedy funding

Navy Rocks!!!
Does that mean we can call you a "Squid" ?

@Anonymous, call me anything, except late for dinner

Re: Good Riddance Alliant...

Anonymous — Wed, 01 Apr 2020 00:34:39 GMT

@M_Smart007 wrote:
@Anonymous wrote:
@M_Smart007 wrote:
Sorry about your Alliant experience. I have No dealings with them.

"I applied for the emergency loan with NFCU and had the funds in my account in 20 mins"

Congrats on your emergency loan approval and speedy funding

Navy Rocks!!!
Does that mean we can call you a "Squid" ?
@Anonymous, call me anything, except late for dinner

Nice ... real nice

Re: Good Riddance Alliant...

Guyatthebeach — Wed, 01 Apr 2020 03:11:01 GMT

tussking,

Sorry to hear you had problems with Alliant. I'm glad NFCU was able to help you. This is the first negative story I've seen in a while about Alliant.

It's ok in the end. You probably got a better rate with Navy Federal anyway!

Guyatthebeach

Re: Good Riddance Alliant...

Ali_baba — Wed, 01 Apr 2020 22:05:12 GMT

I apped for a emergency loan. I got approved with no POI. Been with Alliant for 13 years

Re: Good Riddance Alliant...

Revelate — Thu, 02 Apr 2020 01:10:35 GMT

@Gmood1 wrote:
Honestly, I'm not a fan of their loan department either.
A couple of years ago, I withdrew $20k out of their accounts and have never looked back.
Besides their deposit accounts side.
I find nothing special about Alliant.
I'll ride that secure loan out till the last day.😂

IMHO, they act more like a bank than a credit union.

For example, I can call Penfed give them the information on a vehicle for an auto loan.
And a check is in the mail that day. No hoop jumping or trying to prove I am me.😂
I'm sure I can do the same with USAA or NFCU. And it would be the same outcome as Penfed.

Alliant wants DNA test done for loans.😂

That's an interesting observation, even somewhat bears out from their product mix now that I think of it (interesting rewards card, dealer services arm see their Tesla partnership, etc.)

Alliant's been sending me things over time but I just haven't had a need for the products.

For the record though, they did send me an email 3/24, some lenders (Barclays) were later. If I had time I might go through the list and just see when lenders reached out to me but probably won't hold my interest for now, still the squirrel trying to chase nuts in this time and ain't nobody coming to help me (nor should they).

Re: Good Riddance Alliant...

tussking — Thu, 02 Apr 2020 21:26:31 GMT

So, I sent Alliant a secure message telling them to close both my accounts and cancel my membership.

We value your membership since 2016 and would like to know why you are closing your accounts and membership?

FYI -I am a member of 4.5 years who has already paid off a loan.

YOU JERKED ME AROUND FOR 7 DAYS ON AN EMERGENCY LOAN AND EVERYDAY WAS ANOTHER STORY WITH MORE REQUESTS FOR MORE DOCUMENTATION. --- SEVEN DAYS ---

So why am I canceling my membership?

While you were playing games with me I applied at a REAL CREDIT UNION NFCU and was approved in 20 mins and the funds were in my account 10 mins later.

Good Riddance.