Avant deposit $in my account and withdraw $out of my account,the company open a account with out my authorization (a lot of back and forth with the company,they never contect me back
Initial Business Response /* (1000, 5, 2015/10/16) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in
providing excellent customer service to all of our customers and take all feedback seriously
Our records indicate that you submitted an inquiry for credit with Avant on July 31, On this same day you were approved for a loan in the amount of $7,and executed your loan agreementOn September 8, you made your first installment payment in the amount of $via ACH
On September 24, you contacted Avant telephonically in order to pay the remaining balance of your loanYou indicated that you wished to pay the remaining balance from a different bank account than the account on fileYou were advised that, in order to update the bank account on file, you would need to submit a voided check, bank statement, or official bank document on bank letterhead showing the bank name and the full routing and account numberYou were also advised that, upon receipt of this document, Avant would be able to update the bank account on file and schedule a payoff
On September 29, Avant received a bank document via email which had been signed by the branch managerAs this document did not include the full routing and account numbers for your new bank account, Avant was unable to update the bank account on fileThat same day, Avant subsequently contacted you via email with an explanation of why the submitted document was unacceptable, and provided a list of documents required to update the bank account on file
Later that same day, you set up a full payoff via your Customer Dashboard via ACH, which was set to come out of the bank account on file on September 30, Please note that financial institutions need time to process ACH paymentsAccordingly, all bank files for ACH payments are sent to your financial institution on the business day before, as is an industry standard procedureAs such, the bank file for the September 30, payment was sent to your bank on September 29, and could not be cancelled
On September 30, Avant received a voided check via email showing all of the necessary information to update the bank account on fileAccordingly, on that same day, the bank account on file was updatedHowever, as you know, the payment set up by you via your Customer Dashboard had already been processedConsequently, Avant was unable to set up a new payoff payment until this previously scheduled payment had returnedOn Friday, October 2, 2015, the payment scheduled via your Customer Dashboard returned
On October 5, 2015, you contacted Avant telephonically and set up a payoff payment scheduled for October 6, 2015, the next business dayThis payment has been processed and your account is now paid in full
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Dear *** ***
We are in receipt of your complaint with the RevDex.com (Complaint ID # ***)We are sorry to hear about your
experienceHere at Avant we pride ourselves in providing excellent customer
service to all of our customers and take all feedback
seriously.We have reviewed the account and determined that on September
12, 2015, an online request for a loan was submitted with your informationThat
same day, the loan request was declined and Notice of Adverse Action was sent
to the email address associated with the inquiryOn October 16, 2015, Avant received a letter via
postal mail from you regarding your identity theft claim Here at Avant, we take allegations of fraud
very seriouslyIn order to begin a thorough fraud investigation, an individual
must submit a written request including proof of identity and an executed FTC
Identity Theft AffidavitUpon receipt of your letter, your account was
immediately escalatedLater that same day, a letter outlining the fraud
investigation process along with a copy of the FTC identity theft affidavit was
sent via U.Smail to the address provided by youThis letter advised you that
an inquiry for credit was received by Avant via ***, and that the loan
request was subsequently declinedThe letter also included instructions to
complete the attached FTC identity theft affidavitOn November 2, 2015, you submitted a completed
affidavit, as well as a copy of a police report and your driver’s licenseAccordingly,
the account on file was appropriately updated and notice was sent to the
relevant credit bureaus to remove the inquiry from your credit report.Here at Avant we go to great lengths to ensure a
transparent and customer focused experienceIf you have any additional
questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
I applied for a loan from this company once I completed the online application and up loaded two bank statement I keep getting email saying I didn't complete the application I log back in and the online application shown it was being process, but I was still getting all these random application saying call them, I made so many attempts to contact them, I stay on hold on time for minutes and that when I said for get it, and I sent them a email and told them if they wanted to talk to me call me, I left my number and no never call, after two days of this, when I got another email for me to contact them, I just replied cancel my application, and don't contact me again So far so good, no more email nor did I every get a phone callTo be a business this company really have communication issuesafter reading some of the other people complaints here on this Revdex.com website, I'm very glad we didn't connect I don't trust them
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing
excellent service to all of our customers and take all feedback seriously.On April 23, 2016, you contacted Avant and requested a payoff quote for April 25, Due to an isolated system issue, you were provided a payoff amount of $14,This amount, when added to the $installment payment scheduled April 25, 2016, was less than the total loan balance effective that day by an additional $557.76.Upon scheduling a payment of $14,for April 25, 2016, your account incorrectly entered into a “Paid Off” statusA balance remained on your account following receipt of both the installment payment and attempted payoff payment on April 25, Your account was updated to accurately reflect its “Current” status on April 26, As a result of the remaining loan balance, your next installment payment was debited on May 17, 2016.As you are aware, Avant contacted you telephonically on May 24, in an attempt to resolve this matterDuring this call, Avant confirmed that your May 17, payment returned on May 20, You were informed that, as a courtesy, Avant had waived your remaining balance and your account was marked as paid in fullYou indicated you were satisfied with this explanation and resolution. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve youSincerely,Avant Compliance Department
Final Consumer Response /* (2000, 5, 2015/05/06) */
Re: Revdex.com Complaint Case# *** (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXX)
message
*** *** Tue, May 5, at 10:PM
To: "Revdex.com (Do Not Reply To This Email Address)"
They credited and closed the account as requestedI've tried to close the issue multiple times but your site keeps timing out in ***
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantWe pride ourselves in providing excellent service
to all of our customers and take all feedback seriously.On January 15, 2016, you contacted Avant telephonically to schedule a payment via credit card for your $installment payment scheduled that same dayDue to an isolated process issue, this payment was not correctly applied to your accountThis caused your account to improperly enter into a paid off statusPlease be advised, a balance remained on your account following receipt of the January 15, credit card payment.In the call, the specialist confirmed the inaccurate account status that was displayed due to this process issueWe apologize for any inconveniencePlease note, the emails received on January 21, and January 22, which referenced a paid off loan were inadvertently sent due to this improper account status. As a courtesy, Avant has waived the remaining balance of your loanAccordingly, your account now correctly reflects a paid off statusOn May 11, 2016, Avant filed an update with the credit reporting agencies regarding your accountPlease be advised that the credit reporting agencies follow their own policies for updating credit reports and this update may not be immediately reflected on your credit reportAvant has attempted to contact you telephonically in an effort to inform you of this resolution but has been unable to reach you. We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve youSincerely,Avant Compliance Department
Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.According to our records, on December 13, 2016, you contacted Avant via telephone in order to receive a payoff quote for your loanAccordingly, you were provided with a payoff quote which was valid through December 20, 2016. On December 16, at 10:pm, a check was received and applied to your account in order to pay off your loanHowever, as you know, your regularly scheduled installment payment was scheduled to be debited on December 19, 2016, the next business day and, as this check was applied to your account after business hours the business day before the payment was due, Avant was unable to cancel this installment paymentNote that all ACH payment files are sent to your bank for processing the business day before they are dueThis is due to the time required by banks in order to process the transaction. On December 19, 2016, following the debit of your regularly scheduled installment payment, you contacted Avant via telephone in order to inquire about the debitAt this time, you were advised that any overpayment would be refunded and that you would receive a follow up regarding your account the next business day. On December 20, 2016, a representative attempted to contact you via telephone regarding your accountUnfortunately, they were unable to reach you. On December 22, 2016, you again contacted Avant via telephone to inquire about your accountYou were advised that refunds for overpayment of paper checks may take up to three weeksThis time frame ensures that the payment does not return prior to the refund being issued. On December 28, 2016, following a review of your account which confirmed that your December 16, and December 19, payments did not return, a refund for the overpayment of your loan was provided to the bank account on file. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve you.Sincerely,
Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/10/20) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you were dissatisfied with your customer experienceHere at Avant we pride ourselves in providing
excellent customer service to all of our customers and take all feedback seriously
Please be advised all information we gather is used only in accordance with our privacy policy, and protected by data encryption softwareThis software ensures that, even in the event of a security breach, the information will be unintelligible
As you know, Avant was able to resolve the matter telephonically on October 13, Funds were deposited into the bank account on file on or about October 15, and you indicated you were satisfied with the result
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (2000, 7, 2015/10/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
We came to a agreement and I am totally satisfied with the company they work things out very nicely and professional would definitely recommend this company
Initial Business Response /* (1000, 5, 2014/09/12) */
Contact Name and Title: M***, Compliance
Contact Phone: XXX-XXX-XXXX ***
Contact Email: ***@avantcredit.com
Dear *** ***:
We are in receipt of your complaint with the Revdex.com (Case #
XXXXXXXX)We apologize that you are dissatisfied with your AvantCredit experienceAfter reviewing your account, we have found that you applied for a loan from AvantCredit via *** on February 20, During the application process you consented to your credit report being pulled for underwriting purposes as well as your consent for electronic communications
Your loan application was declinedThe Notice of Adverse Action that was originally sent to you has been submitted here for your review and convenienceWe apologize for any miscommunication with our customer service team regarding the credit inquiry
Additionally, AvantCredit does not condone nor participate in any phishing activitiesPlease be advised that all financial companies, including AvantCredit, are required by federal law to collect customers' personal information to run their everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausTo protect your personal information from unauthorized access and use, we use security measures that comply with federal lawThese measures include computer safeguards and secured files and buildings
If you have any further questions, please contact our Compliance Department at ***@AvantCredit.com or via phone at XXX-XXX-XXXX and we will happily cooperate with you and promptly address your concerns
Sincerely,
AvantCredit Compliance Department
Complaint: ***
I am rejecting this response because:
On Jan 12th I explained to the representative that I would be paying off the loan and the quote needed to include any amounts due including upcoming payments and interestHence, the reason why I requested the payoff to be effective up until Feb22nd to allow for plenty of time for the check to be received by youI was previously enrolled in automatic payments, so the reason for my telephonic contact on Jan26th was to disenroll because I did not want an automatic payment to be debited from my checking account on Feb1st because, as I've already stated, my intent was to mail a final payoff check for the entire amount due I find your response unsatisfactory, and what's even more unprofessional is that the amount of times I have tried requesting a response from your Compliance team by going through your respresentives you all have not bothered to respond to my issue other than via the Revdex.com platform.
Sincerely,
*** ***
Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.On August 12, 2016, you contacted Avant telephonically and stated that you would be paying off your loan via paper checkAt this time, you were provided with a payoff quote effective August 22, in the amount of $10,201.19, in an effort to provide you with sufficient time to mail in your paymentAdditionally, you were correctly informed that all payments made via paper check are received at Avant’s P.OBox addressAt this time, Avant provided you with the correct P.OBox address.On August 17, 2016, you contacted Avant telephonically and stated that the paper check you attempted to mail to Avant was returned to youAt this time, Avant confirmed that the P.OBox address you were provided with was correctAdditionally, Avant Customer Support provided you with Avant’s corporate office address in an effort to assist you in mailing your payment. Following receipt of your dispute with the Revdex.com, Avant performed an in-depth investigation of your accountFollowing this investigation, Avant has determined that you were provided with the correct P.OBox address to mail your paymentHowever, as a courtesy, Avant will honor your payoff quote effective August 15, 2016, in the amount of $10,If you would like to make this payoff via paper check, you may mail your payment to *** ** *** *** *** *** Chicago, IL Please note, in addition paying via a paper check, payoffs may be made via money order or ACH from the bank account on fileOnce your payment in the amount of $10,is received, your account will be considered paid in full. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceWe pride ourselves in providing excellent service to all of
our customers and take all feedback seriously.As you are aware, on January 30, 2015, you initiated a loan request with AvantCredit of Texas, LLC (“Avant”)That same day, you signed a loan agreement with Avant for a 36-month installment loan in the amount of $1,300.00, with a 39.16% Annual Percentage RateYou agreed to make consecutive monthly payments in the amount of $beginning March 7, 2015, with a final payment of $initially scheduled on February 7, The terms of your installment loan were clearly and fully disclosed to you on the Avant website, during the application process, and in the loan agreement prior to signing. As with your initial loan request, your requests for refinance are considered in accordance with our established credit policyRates are once again determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etc.We are confident we comply with all applicable state and federal rules, laws, and regulationsWe have reviewed your payment history and determined that all payments have allocated correctly per the terms of your loan agreementIf you are having trouble making payments please feel free to contact Customer Support at *** or at *** to discuss our various payment options.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve youSincerely,Avant Compliance Department
The offer via mail is really deceivingIt says you can check your rates without it affecting your FICO but after you go through all of their questions you have to agree for them to do a credit pull
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceHere at Avant, we pride ourselves in providing excellent
service to all of our customers and take all feedback seriously.As you are aware, you submitted an inquiry for credit on June 24, via www.Avant.comAccording to our records, your loan request was declined upon submission and you did not reach a pre-approved statusPlease note that rates are determined on an individual basis and are based on a number of factors including, but not limited to, your credit score, repayment history, and debt-to-income ratioFor customers who reach a pre-approved status, it is clearly disclosed during the loan request process that all pre-approved rates and terms are subject to verification of the information provided by the customer. Furthermore, we are confident we comply with all applicable state and federal rules, laws, and regulationsPlease be advised that all financial companies choose how they share your personal informationAvant details its own treatment of this information in its Privacy Policy, which you agreed to during the loan request processFor additional information, please refer to this Privacy Policy, located at the bottom of each page of our website (http://www.Avant.com).We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/10/08) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)Here at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback
seriously
As you know, this issue was addressed telephonically on September 22, You indicated you were satisfied with the result
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Dear *** ***We are in receipt of your
complaint with the Revdex.com (Complaint ID # ***)We are
sorry to hear that you are dissatisfied with your customer experience with
AvantHere at Avant we pride ourselves in providing excellent customer service
to all of our
customers and take all feedback seriously.According to our records, you
submitted an inquiry for credit via *** on June 2, That same day,
you were subsequently pre-approved for a loan from ***, an FDIC-insured
state-chartered bank located in UtahPlease be advised that *** is
the credit issuer for the Avant Program, which is a closed-end installment loan
program where Avant operates as the administrator and servicerFederal law
gives *** the power to make loans to residents of other states (including
the state of Massachusetts) at the rates permitted by the laws of its home
state*** and Avant are confident that each complies with all applicable
state and federal laws, rules, and regulations.On June 2, 2015, you executed a
loan agreement for a loan in the amount of $14,at 28.00% Annual
Percentage Rate (“APR”) over a period of monthsFunds were deposited into
the bank account on file on or about June 3, 2015.All loan requests are considered
in accordance with ***’s established credit policy, and the terms of the
loan were clearly and fully disclosed on the Avant website, during the loan
request process, and in the customer’s loan agreementAccordingly, we are
unable to decrease the APR of your loanIf you are having difficulty making
payments, we encourage you to contact Avant Customer Support at *** to
discuss various repayment options.We trust this explanation
resolves this matterHere at Avant we go to great lengths to ensure a
transparent and customer focused experienceIf you have any additional
questions or concerns, please contact our Compliance Department directly at
Compliance*** We appreciate the opportunity to serve you.Sincerely,Avant Compliance
Department
After paying off a loan years early they charged me an interest of $I asked for a forgiveness considering I paid early and here is the response
Thank you for contacting AvantOn November 10, you were provided with a payoff quote for November 11, in the amount of $4,Upon investigation you were informed that payoff amounts are subject to change and each payoff quote assumes that you complete all existing payments between November 10, and November 11, as scheduledAfter your last payment in the amount of $4,on November 25, 2016, your remaining balance as of December 15, is $We are unable to approve your request for interest forgiveness as we did not receive your payment on or before November 11,
Please be advised that the interest on your loan is calculated using the daily simple interest method at a rate of 0.09849315% per dayThis means that interest accrues daily on your loan in an amount calculated by multiplying your outstanding principal balance by your daily rateYour payments are applied first to outstanding fees, if any, then interest, and then principalPlease be advised that any payment deferrals may result in additional interest accruing on your loanEarlier payments may allocate more towards your principal balance, which may help reduce the overall amount of interest that accrues on your account over the life of the loan
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to
all of our customers and take all feedback seriouslyOn October 19, 2014, you initiated a loan request with AvantOn October 20, 2014, your loan request was approved and you signed a loan agreement detailing the rates and terms for a 36-month, $4,installment loan with a 35.93% Annual Percentage Rate (“APR”)The rates and terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreement. On July 13, 2015, you submitted a request to refinance your existing installment loanRequests for refinance are considered in accordance with the established credit policy Your request was approved on July 15, 2015, and you signed a new loan agreement for a 60-month, $5,installment loan with a 28.01% APRAs with your original loan request, the rates and terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreementPlease note that the rates and terms of your loan are fixed until the loan is paid in full. On February 25, and June 9, 2016, additional requests to refinance your existing installment loan were declined, in accordance with the established credit policy.On September 15, 2016, you emailed Avant expressing your dissatisfaction with your repayment progress and revoking your authorization for payments to be debited automatically from the bank account on fileYour account was updated accordinglyAs no other payment arrangements were made to satisfy the installment payment due September 16, 2016, your account entered into a late status.Avant is confident its collections practices are in compliance with all applicable state and federal rules, laws, and regulationsWe have reviewed your account and are unable to substantiate your claim that or more calls were attempted on any day your loan has been in a late statusAccording to our records, at no time was a voicemail left by Avant in regards to a collections attempt. On October 13, 2016, Avant contacted you via email and informed you that interest was accruing on your account as detailed in your loan agreementAdditionally, you were informed that, per your loan agreement, payments are allocated first to any outstanding fees, if applicable, then to interest, and then to principalA breakdown of the payments you have made on your account as well as a copy of your loan agreement were provided for your referenceWe have reviewed your account and determined that your payments have allocated correctly, per the terms of your loan agreement. If you are having trouble making payments please feel free to contact Customer Support at *** or at *** to discuss our various payment options. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department
Avant deposit $in my account and withdraw $out of my account,the company open a account with out my authorization (a lot of back and forth with the company,they never contect me back
Initial Business Response /* (1000, 5, 2015/10/16) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in
providing excellent customer service to all of our customers and take all feedback seriously
Our records indicate that you submitted an inquiry for credit with Avant on July 31, On this same day you were approved for a loan in the amount of $7,and executed your loan agreementOn September 8, you made your first installment payment in the amount of $via ACH
On September 24, you contacted Avant telephonically in order to pay the remaining balance of your loanYou indicated that you wished to pay the remaining balance from a different bank account than the account on fileYou were advised that, in order to update the bank account on file, you would need to submit a voided check, bank statement, or official bank document on bank letterhead showing the bank name and the full routing and account numberYou were also advised that, upon receipt of this document, Avant would be able to update the bank account on file and schedule a payoff
On September 29, Avant received a bank document via email which had been signed by the branch managerAs this document did not include the full routing and account numbers for your new bank account, Avant was unable to update the bank account on fileThat same day, Avant subsequently contacted you via email with an explanation of why the submitted document was unacceptable, and provided a list of documents required to update the bank account on file
Later that same day, you set up a full payoff via your Customer Dashboard via ACH, which was set to come out of the bank account on file on September 30, Please note that financial institutions need time to process ACH paymentsAccordingly, all bank files for ACH payments are sent to your financial institution on the business day before, as is an industry standard procedureAs such, the bank file for the September 30, payment was sent to your bank on September 29, and could not be cancelled
On September 30, Avant received a voided check via email showing all of the necessary information to update the bank account on fileAccordingly, on that same day, the bank account on file was updatedHowever, as you know, the payment set up by you via your Customer Dashboard had already been processedConsequently, Avant was unable to set up a new payoff payment until this previously scheduled payment had returnedOn Friday, October 2, 2015, the payment scheduled via your Customer Dashboard returned
On October 5, 2015, you contacted Avant telephonically and set up a payoff payment scheduled for October 6, 2015, the next business dayThis payment has been processed and your account is now paid in full
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Dear *** ***
We are in receipt of your complaint with the RevDex.com (Complaint ID # ***)We are sorry to hear about your
experienceHere at Avant we pride ourselves in providing excellent customer
service to all of our customers and take all feedback
seriously.We have reviewed the account and determined that on September
12, 2015, an online request for a loan was submitted with your informationThat
same day, the loan request was declined and Notice of Adverse Action was sent
to the email address associated with the inquiryOn October 16, 2015, Avant received a letter via
postal mail from you regarding your identity theft claim Here at Avant, we take allegations of fraud
very seriouslyIn order to begin a thorough fraud investigation, an individual
must submit a written request including proof of identity and an executed FTC
Identity Theft AffidavitUpon receipt of your letter, your account was
immediately escalatedLater that same day, a letter outlining the fraud
investigation process along with a copy of the FTC identity theft affidavit was
sent via U.Smail to the address provided by youThis letter advised you that
an inquiry for credit was received by Avant via ***, and that the loan
request was subsequently declinedThe letter also included instructions to
complete the attached FTC identity theft affidavitOn November 2, 2015, you submitted a completed
affidavit, as well as a copy of a police report and your driver’s licenseAccordingly,
the account on file was appropriately updated and notice was sent to the
relevant credit bureaus to remove the inquiry from your credit report.Here at Avant we go to great lengths to ensure a
transparent and customer focused experienceIf you have any additional
questions or concerns, please contact our Compliance Department directly at
[email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
I applied for a loan from this company once I completed the online application and up loaded two bank statement I keep getting email saying I didn't complete the application I log back in and the online application shown it was being process, but I was still getting all these random application saying call them, I made so many attempts to contact them, I stay on hold on time for minutes and that when I said for get it, and I sent them a email and told them if they wanted to talk to me call me, I left my number and no never call, after two days of this, when I got another email for me to contact them, I just replied cancel my application, and don't contact me again So far so good, no more email nor did I every get a phone callTo be a business this company really have communication issuesafter reading some of the other people complaints here on this Revdex.com website, I'm very glad we didn't connect I don't trust them
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing
excellent service to all of our customers and take all feedback seriously.On April 23, 2016, you contacted Avant and requested a payoff quote for April 25, Due to an isolated system issue, you were provided a payoff amount of $14,This amount, when added to the $installment payment scheduled April 25, 2016, was less than the total loan balance effective that day by an additional $557.76.Upon scheduling a payment of $14,for April 25, 2016, your account incorrectly entered into a “Paid Off” statusA balance remained on your account following receipt of both the installment payment and attempted payoff payment on April 25, Your account was updated to accurately reflect its “Current” status on April 26, As a result of the remaining loan balance, your next installment payment was debited on May 17, 2016.As you are aware, Avant contacted you telephonically on May 24, in an attempt to resolve this matterDuring this call, Avant confirmed that your May 17, payment returned on May 20, You were informed that, as a courtesy, Avant had waived your remaining balance and your account was marked as paid in fullYou indicated you were satisfied with this explanation and resolution. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve youSincerely,Avant Compliance Department
Final Consumer Response /* (2000, 5, 2015/05/06) */
Re: Revdex.com Complaint Case# *** (Ref#XX-XXXXXXXX-XXXXXXXX-X-XXX)
message
*** *** Tue, May 5, at 10:PM
To: "Revdex.com (Do Not Reply To This Email Address)"
They credited and closed the account as requestedI've tried to close the issue multiple times but your site keeps timing out in ***
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantWe pride ourselves in providing excellent service
to all of our customers and take all feedback seriously.On January 15, 2016, you contacted Avant telephonically to schedule a payment via credit card for your $installment payment scheduled that same dayDue to an isolated process issue, this payment was not correctly applied to your accountThis caused your account to improperly enter into a paid off statusPlease be advised, a balance remained on your account following receipt of the January 15, credit card payment.In the call, the specialist confirmed the inaccurate account status that was displayed due to this process issueWe apologize for any inconveniencePlease note, the emails received on January 21, and January 22, which referenced a paid off loan were inadvertently sent due to this improper account status. As a courtesy, Avant has waived the remaining balance of your loanAccordingly, your account now correctly reflects a paid off statusOn May 11, 2016, Avant filed an update with the credit reporting agencies regarding your accountPlease be advised that the credit reporting agencies follow their own policies for updating credit reports and this update may not be immediately reflected on your credit reportAvant has attempted to contact you telephonically in an effort to inform you of this resolution but has been unable to reach you. We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve youSincerely,Avant Compliance Department
Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.According to our records, on December 13, 2016, you contacted Avant via telephone in order to receive a payoff quote for your loanAccordingly, you were provided with a payoff quote which was valid through December 20, 2016. On December 16, at 10:pm, a check was received and applied to your account in order to pay off your loanHowever, as you know, your regularly scheduled installment payment was scheduled to be debited on December 19, 2016, the next business day and, as this check was applied to your account after business hours the business day before the payment was due, Avant was unable to cancel this installment paymentNote that all ACH payment files are sent to your bank for processing the business day before they are dueThis is due to the time required by banks in order to process the transaction. On December 19, 2016, following the debit of your regularly scheduled installment payment, you contacted Avant via telephone in order to inquire about the debitAt this time, you were advised that any overpayment would be refunded and that you would receive a follow up regarding your account the next business day. On December 20, 2016, a representative attempted to contact you via telephone regarding your accountUnfortunately, they were unable to reach you. On December 22, 2016, you again contacted Avant via telephone to inquire about your accountYou were advised that refunds for overpayment of paper checks may take up to three weeksThis time frame ensures that the payment does not return prior to the refund being issued. On December 28, 2016, following a review of your account which confirmed that your December 16, and December 19, payments did not return, a refund for the overpayment of your loan was provided to the bank account on file. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve you.Sincerely,
Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/10/20) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you were dissatisfied with your customer experienceHere at Avant we pride ourselves in providing
excellent customer service to all of our customers and take all feedback seriously
Please be advised all information we gather is used only in accordance with our privacy policy, and protected by data encryption softwareThis software ensures that, even in the event of a security breach, the information will be unintelligible
As you know, Avant was able to resolve the matter telephonically on October 13, Funds were deposited into the bank account on file on or about October 15, and you indicated you were satisfied with the result
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (2000, 7, 2015/10/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
We came to a agreement and I am totally satisfied with the company they work things out very nicely and professional would definitely recommend this company
Initial Business Response /* (1000, 5, 2014/09/12) */
Contact Name and Title: M***, Compliance
Contact Phone: XXX-XXX-XXXX ***
Contact Email: ***@avantcredit.com
Dear *** ***:
We are in receipt of your complaint with the Revdex.com (Case #
XXXXXXXX)We apologize that you are dissatisfied with your AvantCredit experienceAfter reviewing your account, we have found that you applied for a loan from AvantCredit via *** on February 20, During the application process you consented to your credit report being pulled for underwriting purposes as well as your consent for electronic communications
Your loan application was declinedThe Notice of Adverse Action that was originally sent to you has been submitted here for your review and convenienceWe apologize for any miscommunication with our customer service team regarding the credit inquiry
Additionally, AvantCredit does not condone nor participate in any phishing activitiesPlease be advised that all financial companies, including AvantCredit, are required by federal law to collect customers' personal information to run their everyday business purposes, such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausTo protect your personal information from unauthorized access and use, we use security measures that comply with federal lawThese measures include computer safeguards and secured files and buildings
If you have any further questions, please contact our Compliance Department at ***@AvantCredit.com or via phone at XXX-XXX-XXXX and we will happily cooperate with you and promptly address your concerns
Sincerely,
AvantCredit Compliance Department
Complaint: ***
I am rejecting this response because:
On Jan 12th I explained to the representative that I would be paying off the loan and the quote needed to include any amounts due including upcoming payments and interestHence, the reason why I requested the payoff to be effective up until Feb22nd to allow for plenty of time for the check to be received by youI was previously enrolled in automatic payments, so the reason for my telephonic contact on Jan26th was to disenroll because I did not want an automatic payment to be debited from my checking account on Feb1st because, as I've already stated, my intent was to mail a final payoff check for the entire amount due I find your response unsatisfactory, and what's even more unprofessional is that the amount of times I have tried requesting a response from your Compliance team by going through your respresentives you all have not bothered to respond to my issue other than via the Revdex.com platform.
Sincerely,
*** ***
Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.On August 12, 2016, you contacted Avant telephonically and stated that you would be paying off your loan via paper checkAt this time, you were provided with a payoff quote effective August 22, in the amount of $10,201.19, in an effort to provide you with sufficient time to mail in your paymentAdditionally, you were correctly informed that all payments made via paper check are received at Avant’s P.OBox addressAt this time, Avant provided you with the correct P.OBox address.On August 17, 2016, you contacted Avant telephonically and stated that the paper check you attempted to mail to Avant was returned to youAt this time, Avant confirmed that the P.OBox address you were provided with was correctAdditionally, Avant Customer Support provided you with Avant’s corporate office address in an effort to assist you in mailing your payment. Following receipt of your dispute with the Revdex.com, Avant performed an in-depth investigation of your accountFollowing this investigation, Avant has determined that you were provided with the correct P.OBox address to mail your paymentHowever, as a courtesy, Avant will honor your payoff quote effective August 15, 2016, in the amount of $10,If you would like to make this payoff via paper check, you may mail your payment to *** ** *** *** *** *** Chicago, IL Please note, in addition paying via a paper check, payoffs may be made via money order or ACH from the bank account on fileOnce your payment in the amount of $10,is received, your account will be considered paid in full. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceWe pride ourselves in providing excellent service to all of
our customers and take all feedback seriously.As you are aware, on January 30, 2015, you initiated a loan request with AvantCredit of Texas, LLC (“Avant”)That same day, you signed a loan agreement with Avant for a 36-month installment loan in the amount of $1,300.00, with a 39.16% Annual Percentage RateYou agreed to make consecutive monthly payments in the amount of $beginning March 7, 2015, with a final payment of $initially scheduled on February 7, The terms of your installment loan were clearly and fully disclosed to you on the Avant website, during the application process, and in the loan agreement prior to signing. As with your initial loan request, your requests for refinance are considered in accordance with our established credit policyRates are once again determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etc.We are confident we comply with all applicable state and federal rules, laws, and regulationsWe have reviewed your payment history and determined that all payments have allocated correctly per the terms of your loan agreementIf you are having trouble making payments please feel free to contact Customer Support at *** or at *** to discuss our various payment options.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve youSincerely,Avant Compliance Department
The offer via mail is really deceivingIt says you can check your rates without it affecting your FICO but after you go through all of their questions you have to agree for them to do a credit pull
This company does bad business They charge interest after payoff I do not recommend anyone utilizing their services
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceHere at Avant, we pride ourselves in providing excellent
service to all of our customers and take all feedback seriously.As you are aware, you submitted an inquiry for credit on June 24, via www.Avant.comAccording to our records, your loan request was declined upon submission and you did not reach a pre-approved statusPlease note that rates are determined on an individual basis and are based on a number of factors including, but not limited to, your credit score, repayment history, and debt-to-income ratioFor customers who reach a pre-approved status, it is clearly disclosed during the loan request process that all pre-approved rates and terms are subject to verification of the information provided by the customer. Furthermore, we are confident we comply with all applicable state and federal rules, laws, and regulationsPlease be advised that all financial companies choose how they share your personal informationAvant details its own treatment of this information in its Privacy Policy, which you agreed to during the loan request processFor additional information, please refer to this Privacy Policy, located at the bottom of each page of our website (http://www.Avant.com).We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/10/08) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)Here at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback
seriously
As you know, this issue was addressed telephonically on September 22, You indicated you were satisfied with the result
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Dear *** ***We are in receipt of your
complaint with the Revdex.com (Complaint ID # ***)We are
sorry to hear that you are dissatisfied with your customer experience with
AvantHere at Avant we pride ourselves in providing excellent customer service
to all of our
customers and take all feedback seriously.According to our records, you
submitted an inquiry for credit via *** on June 2, That same day,
you were subsequently pre-approved for a loan from ***, an FDIC-insured
state-chartered bank located in UtahPlease be advised that *** is
the credit issuer for the Avant Program, which is a closed-end installment loan
program where Avant operates as the administrator and servicerFederal law
gives *** the power to make loans to residents of other states (including
the state of Massachusetts) at the rates permitted by the laws of its home
state*** and Avant are confident that each complies with all applicable
state and federal laws, rules, and regulations.On June 2, 2015, you executed a
loan agreement for a loan in the amount of $14,at 28.00% Annual
Percentage Rate (“APR”) over a period of monthsFunds were deposited into
the bank account on file on or about June 3, 2015.All loan requests are considered
in accordance with ***’s established credit policy, and the terms of the
loan were clearly and fully disclosed on the Avant website, during the loan
request process, and in the customer’s loan agreementAccordingly, we are
unable to decrease the APR of your loanIf you are having difficulty making
payments, we encourage you to contact Avant Customer Support at *** to
discuss various repayment options.We trust this explanation
resolves this matterHere at Avant we go to great lengths to ensure a
transparent and customer focused experienceIf you have any additional
questions or concerns, please contact our Compliance Department directly at
Compliance*** We appreciate the opportunity to serve you.Sincerely,Avant Compliance
Department
After paying off a loan years early they charged me an interest of $I asked for a forgiveness considering I paid early and here is the response
Thank you for contacting AvantOn November 10, you were provided with a payoff quote for November 11, in the amount of $4,Upon investigation you were informed that payoff amounts are subject to change and each payoff quote assumes that you complete all existing payments between November 10, and November 11, as scheduledAfter your last payment in the amount of $4,on November 25, 2016, your remaining balance as of December 15, is $We are unable to approve your request for interest forgiveness as we did not receive your payment on or before November 11,
Please be advised that the interest on your loan is calculated using the daily simple interest method at a rate of 0.09849315% per dayThis means that interest accrues daily on your loan in an amount calculated by multiplying your outstanding principal balance by your daily rateYour payments are applied first to outstanding fees, if any, then interest, and then principalPlease be advised that any payment deferrals may result in additional interest accruing on your loanEarlier payments may allocate more towards your principal balance, which may help reduce the overall amount of interest that accrues on your account over the life of the loan
Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to
all of our customers and take all feedback seriouslyOn October 19, 2014, you initiated a loan request with AvantOn October 20, 2014, your loan request was approved and you signed a loan agreement detailing the rates and terms for a 36-month, $4,installment loan with a 35.93% Annual Percentage Rate (“APR”)The rates and terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreement. On July 13, 2015, you submitted a request to refinance your existing installment loanRequests for refinance are considered in accordance with the established credit policy Your request was approved on July 15, 2015, and you signed a new loan agreement for a 60-month, $5,installment loan with a 28.01% APRAs with your original loan request, the rates and terms of your installment loan were clearly and fully disclosed on the company website, during the loan request process, and in your loan agreementPlease note that the rates and terms of your loan are fixed until the loan is paid in full. On February 25, and June 9, 2016, additional requests to refinance your existing installment loan were declined, in accordance with the established credit policy.On September 15, 2016, you emailed Avant expressing your dissatisfaction with your repayment progress and revoking your authorization for payments to be debited automatically from the bank account on fileYour account was updated accordinglyAs no other payment arrangements were made to satisfy the installment payment due September 16, 2016, your account entered into a late status.Avant is confident its collections practices are in compliance with all applicable state and federal rules, laws, and regulationsWe have reviewed your account and are unable to substantiate your claim that or more calls were attempted on any day your loan has been in a late statusAccording to our records, at no time was a voicemail left by Avant in regards to a collections attempt. On October 13, 2016, Avant contacted you via email and informed you that interest was accruing on your account as detailed in your loan agreementAdditionally, you were informed that, per your loan agreement, payments are allocated first to any outstanding fees, if applicable, then to interest, and then to principalA breakdown of the payments you have made on your account as well as a copy of your loan agreement were provided for your referenceWe have reviewed your account and determined that your payments have allocated correctly, per the terms of your loan agreement. If you are having trouble making payments please feel free to contact Customer Support at *** or at *** to discuss our various payment options. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department