Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience. Here at Avant, we pride ourselves in providing excellent service to all of our customers and...
take all feedback seriously.We have attempted to contact you via telephone multiple times regarding this matter but have been unable to reach you.As you are aware, on June 27, 2016, you contacted Avant telephonically to update the bank account on file, and to have your payment scheduled for that same day debited from the updated bank account. During this call, you were correctly informed that Avant requires customers to provide a voided check or bank statement in order to update the bank account on file. This documentation ensures that the new bank account is a personal account in the customer’s name, and assists Avant with preventing fraud and identity theft. We apologize for any inconvenience this policy may cause.Additionally, please note that Avant sends payment files to your bank one (1) business day in advance of your payment date. This is due to the processing time required by banks, and ensures that the bank processes the payment on the scheduled date. This requires that any changes to ACH payments be made at least one (1) business day in advance of the scheduled payment. Accordingly, you were correctly informed during the call that Avant was unable to honor your request to modify the payment due that same day. As a courtesy, Avant has not assessed a Non-Sufficient Funds fee due to your returned installment payment. If you wish to proceed with updating the bank account on file, you may do so by providing the requested documentation to [email protected]. If you do not wish to provide the requested documentation, you may opt out of automated ACH payments by sending a written request to the email address listed above, and instead make payments via debit or credit card, paper check, or money order.Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you. Sincerely,Avant Compliance Department
Dear Shawn [redacted], We are in receipt of your complaint with the Revdex.com (Complaint
ID # 10931562). We are sorry to hear that you are dissatisfied with your
customer experience with Avant. Here at Avant we pride ourselves in providing
excellent...
customer service to all of our customers and take all feedback
seriously. Additionally, we would like to thank you for your service in the
United States Army.Please be advised you were reported
late for failure to make your July 1, 2015 installment payment when due. Following
receipt of your credit reporting inquiry on September 23, 2015, Avant informed
you via email that upon thorough review of your account we found that all information
reported to the credit bureaus on behalf of your account was accurate. As you know, Avant contacted you
telephonically on November 3, 2015 in response to an additional inquiry and
informed you that your information continued to be reported accurately. Moreover,
as of today’s date, Avant can confirm the information reported to the credit
bureaus on behalf of your account is accurate. Please be advised that the Fair
Credit Reporting Act prevents us from removing any information from your credit
report which is found to be accurate and complete. We encourage you to contact the individual bureaus, Transunion, Experian, and
Equifax, for more information about how the information reflected in your
credit reports impacts your credit score. We trust this explanation resolves this matter. Here at Avant we go to great
lengths to ensure a transparent and customer focused experience. If you have
any additional questions or concerns, please contact our Compliance Department
directly at [email protected]. We appreciate the opportunity to serve you. Sincerely, Avant Compliance Department
Initial Business Response /* (1000, 5, 2014/09/05) */
Contact Name and Title: [redacted], Compliance
Contact Phone: XXX-XXX-XXXX #477
Contact Email: [redacted]@avantcredit.com
Dear Ms. [redacted]:
We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)....
Please be advised that you applied for a loan from AvantCredit on May 13, 2013. 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 was declined, and the Notice of Adverse Action that was originally sent to you is re-attached here for your convenience.
We have attempted to contact you since receiving this complaint but have been unsuccessful in our attempts. Please contact our Compliance Department at [redacted]@AvantCredit.com or via phone at XXX-XXX-XXXX and we will promptly address your concerns.
Please visit our website at www.AvantCredit.com to learn more about our products and services.
Sincerely,
AvantCredit
Compliance Department
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take...
all feedback seriously.According to our records, you have contacted Avant on several occasions requesting that the negative information on your credit report be removed. In each instance, Avant timely reviewed your account and confirmed the accuracy of the credit reporting. Accordingly, Avant responded to each of your requests informing you that, per the Fair Credit Reporting Act (FCRA), we are unable to remove any information from your credit report which is found to be accurate and complete.Upon receipt of this complaint, we have once again reviewed your account and confirmed that the information reported to the credit reporting agencies on behalf of your account is accurate. According to our records, you failed to make any installment payments from December 2014 through September 2015. As a result, your account was accurately reported as late to the credit reporting agencies for these periods. On September 15, 2015, you agreed to a Long Term Payment Plan in order to lower your monthly installment amount and return your account to good standing. Per the terms of the Long Term Payment Plan Agreement, your account would be reported to the credit reporting agencies as current under a loan modification while on the plan. Accordingly, your account was reported as current under a loan modification to the credit reporting agencies for the month of September. On October 5, 2015, you made your first Long Term Payment Plan payment. Your account was subsequently reported as current under a loan modification for the month of October.On November 5, 2015, you failed to make your scheduled Long Term Payment Plan payment. Per the terms of the Payment Plan agreement, if any payment is not made within 10 days of the due date, the plan will be deactivated and the original repayment schedule will be reinstated. As the payment was not made by November 15, 2015, the plan was deactivated and your account reverted to a severely past due status. Consequently, your account was reported as past due as of November 30, 2015.On December 8, 2015, you settled your account with Avant for less than the full balance, and a confirmation email was sent to the email address on file that same day. This communication clearly states “the fact that the loan has been settled will be reported to credit bureaus and your credit rating may be affected as a result.” Accordingly, your account was accurately reported as settled to the credit reporting agencies as of December 8, 2015. On October 1, 2016, Avant received documentation from you claiming that Avant continued to request payments following settlement of your account, and that Avant had previously agreed to remove the tradeline from your credit report. Please note that Avant has been unable to substantiate either of these claims. The documentation received by Avant also stated that multiple accounts reported to the credit reporting agencies were fraudulent, and contained a police report in connection with this claim. However, no mention of Avant was made on this report. Upon receipt of this documentation, Avant sent a request to the address associated with your account advising that, if you believe your Avant account was opened fraudulently, Avant would investigate the matter upon receipt of a police report specifically mentioning Avant, as well as a copy of a government-issued photo ID. To date, the requested documentation has not been received.Please note that at no time did Avant advise [redacted] that the reporting on your account was inaccurate, nor did Avant provide either bureau with information stating that the reporting should be removed. Each bureau follows its own processes and procedures and, as a result, the decision to remove the tradeline from your report may have been made independently by each bureau. As previously stated, per the Fair Credit Reporting Act (FCRA), Avant is unable to remove any information from your credit report which is found to be accurate and complete. We have found that the information reported to Experian on behalf of your account is accurate and, as a result, are unable to make any modifications to your credit report. We apologize for any inconvenience. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11094567, and find that this resolution is satisfactory to me.
Sincerely,
Bessie [redacted]
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). Here at Avant we pride ourselves in providing excellent service to all of our customers and take all feedback seriously. We are sorry to hear that you are dissatisfied with...
your customer experience with Avant. First, we want to thank you for choosing Avant. Our records show that you have been a customer since May, 2015. In May, 2015 you, like many of our customers, chose the convenience of recurring monthly remotely created check (“RCC”) debits to your bank account to make your monthly payments under the loan. In June, 2015, you requested to opt out of recurring RCC payments. Subsequently, you updated the bank account on file and consented to opt in to recurring automatic payments via ACH.In reviewing our records, we noted that on October 14, 2015, you submitted a timely request via e-mail to opt out of automatic payments and an additional request to move your November installment payment. Through a series of communications that followed these requests, Avant moved your November installment to the end of your loan term, but due to an isolated process issue, we did not update our system to stop the automatic ACH payments. Our records show that in December, we had several communications regarding your payment and updating your bank account information. However, because of the aforementioned isolated issue in canceling your automatic payments, we submitted a debit to your bank account, respectively, on December 21, 2015, and on January 19, 2016. However, please note that the January 19, 2016 payment has since returned. On January 19, 2016 we received email correspondence confirming your instruction to cancel the automatic payment service and debits to your bank account. You indicated at this time that you intended for the December payment to be automatically debited, but did not wish to opt in to recurring automatic payments. On January 24, 2016, Avant contacted you and indicated that your account was under review, and that we would reach out once the investigation concluded. On February 4, 2016, you contacted Avant via e-mail and advised that you did not wish to receive any form of communication from Avant. As a result, we have been unable to contact you directly to resolve this matter. We apologize for our process issue and any inconvenience we have caused you. We have completed the review of your account, and confirmed that no further payments will be debited from the bank account on file unless we receive your explicit authorization. As a courtesy, we have waived your January installment payment.Additionally, we will reimburse any fees assessed to you by your bank. Please submit documentation in the form of a bank statement or transaction detail showing the disputed debit, as well as the full amount of any fees, so that Avant may begin the reimbursement process. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
I am disappointed that my loan was denied. It posted that I was approved but after I entered my acct. Information and agreed to the loan terms. It said I was denied. Big waste of time and a credit inquiry. No where did it state I could be denied. Now they have my bank information. Not a good way to do business
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]. We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant, we pride ourselves in providing excellent service to all of our customers...
and take all feedback seriously.As you are aware, on January 2, 2016, you contacted Avant via email and requested assistance returning your past due loan to a current status. On January 3, 2016, Avant provided you with a courtesy short term payment plan arrangement option. On January 4, 2016, you agreed to a short term payment plan and authorized recurring ACH payments from the bank account on file for your payment plan payments. That same day, final terms and a payment schedule were sent to the email account on file confirming the agreement. Please be advised, due to an isolated process issue, your account was not opted into recurring payments as authorized in your payment plan agreement. Accordingly, your payment plan payment due February 2, 2016, was not automatically debited from the bank account on file. Please note, once a due date for a payment passes and the payment is missed, the Customer Dashboard will not display that payment. On February 6, 2016, you emailed Avant and inquired as to why your payment was not taken from the bank account on file on its scheduled date. Accordingly, on February 7, 2016, Avant updated your account to ensure future payments would be debited as agreed. On February 8, 2016, Avant responded to your email requesting that you call Customer Support regarding your account in an effort to schedule a payment within the ten day grace period of your payment plan. As you know, per the payment plan agreement, payments must be made within ten days of their scheduled payment date or the payment plan will terminate.Additionally, on February 10, 2016, Avant called the telephone number on file for your account in an attempt to schedule a payment and inform you the subsequent payment plan payments would be attempted automatically as agreed. Despite these efforts, you did not submit a payment within the allotted grace period to satisfy the February 2, 2016 payment and your payment plan was terminated. Per the payment plan agreement, upon termination of a payment plan, the terms and payment schedule of your underlying loan agreement will be reinstated. On February 24, 2016, you scheduled an additional payment via your Customer Dashboard in the amount of $161.88 to be debited on February 25, 2016. On March 1, 2016, your installment payment was debited from the bank account on file as scheduled. Please note, Avant has refunded your March 1, 2016 installment payment as requested. Avant has attempted to contact you telephonically to inform you of this refund, but has been unable to reach you. We trust this explanation resolves this matter. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, or if you would like to discuss being reinstated on a short term payment plan, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take all...
feedback seriously.According to our records, on November 15, 2016, you contacted Avant via telephone and received a payoff quote in the amount of $2,825.73, to be paid by November 23, 2016 if paying via paper check. On November 21, 2016, Avant received a paper check in the amount of $3,100.00 and applied this payment to your account. On November 22, 2016, you contacted Avant via email and requested an approximate time frame for when you would receive your refund for overpayment. At this time, you also provided an address to which the refund could be mailed. On November 24, 2016, Avant responded to your email advising you that your refund would be provided directly to the bank account on file within two to three weeks. This time frame helps to ensure that all payments have successfully cleared prior to issuing a refund. On December 12, 2016, three weeks after your payoff check was received, a refund in the amount of $264.50 was issued to the bank account on file. After reviewing your account, Avant has found that this refund amount assumed that the amount due to pay off your loan was $2,835.50, which was the amount due on November 21, 2016, the date your check was received. However, as the payoff quote provided to you on November 15, 2016 was good through this date, an additional refund in the amount of $9.77 has since been issued to the bank account on file. We apologize for any confusion. We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint
ID # [redacted]. We are sorry to hear that you are dissatisfied with your
customer experience with Avant. Here at Avant we pride ourselves in providing
excellent customer service to all...
of our customers and take all feedback
seriously. As you know, your paper check has
been applied to your account and your loan is now paid in full. On December 9,
2015, we contacted you telephonically and you indicated that you consider this
matter resolved.Here at Avant we go to great
lengths to ensure a transparent and customer focused experience. If you have
any additional questions or concerns, please contact our Compliance Department
directly at [email protected]. We appreciate the opportunity to serve you
and thank you for being a valued customer of Avant. Sincerely, Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/06/22) */
Dear [redacted],
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 Avant. Here at Avant we pride ourselves in...
providing excellent customer service to all of our customers and take all feedback seriously.
As you know, the issue regarding your account was resolved on June 16, 2015 and you indicated that you were satisfied with the result. We apologize for any inconvenience.
We trust this explanation resolves this matter to your satisfaction. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Business Response /* (1000, 5, 2014/05/22) */
Contact Name and Title: M. [redacted], Compliance
Contact Phone: XXX-XXX-XXXX #477
Contact Email: [redacted]@avantcredit.com
Dear [redacted],
We are sorry to hear about your experience. Please be advised that we are always working on...
ways to enhance the customer experience based on customer comments such as yours. As discussed, we have since debited your account as agreed. Please be aware that you will need to contact one of our Customer Specialists to schedule any future payments as your account was opted out of automatic payments per your request. Your account is in good standing with AvantCredit as of the date of this response.
Please feel free to contact us at XXX-XXX-XXXX with any additional questions. We wish you the best in the future.
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant we pride ourselves in providing excellent service to all of our customers...
and take all feedback seriously.As you know, Avant contacted you via telephone on March 30, 2016 regarding this matter. You were advised that, due to an isolated system issue, the payoff quote provided to you in the amount of $6,684.37 was lower than the outstanding balance of your account, resulting in a remaining balance once your payment in this amount was processed. This remaining balance was subsequently debited on March 21, 2016, your regularly scheduled installment date. However, as a courtesy, this payment has been refunded. Accordingly, we consider this matter resolved.Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you. Sincerely,Avant Compliance Department
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience. Here at Avant, we pride ourselves in providing excellent service to all of our customers and...
take all feedback seriously.We have attempted to contact you via telephone multiple times regarding this matter but have been unable to reach you.As you are aware, on June 27, 2016, you contacted Avant telephonically to update the bank account on file, and to have your payment scheduled for that same day debited from the updated bank account. During this call, you were correctly informed that Avant requires customers to provide a voided check or bank statement in order to update the bank account on file. This documentation ensures that the new bank account is a personal account in the customer’s name, and assists Avant with preventing fraud and identity theft. We apologize for any inconvenience this policy may cause.Additionally, please note that Avant sends payment files to your bank one (1) business day in advance of your payment date. This is due to the processing time required by banks, and ensures that the bank processes the payment on the scheduled date. This requires that any changes to ACH payments be made at least one (1) business day in advance of the scheduled payment. Accordingly, you were correctly informed during the call that Avant was unable to honor your request to modify the payment due that same day. As a courtesy, Avant has not assessed a Non-Sufficient Funds fee due to your returned installment payment. If you wish to proceed with updating the bank account on file, you may do so by providing the requested documentation to [email protected]. If you do not wish to provide the requested documentation, you may opt out of automated ACH payments by sending a written request to the email address listed above, and instead make payments via debit or credit card, paper check, or money order.Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you. Sincerely,Avant Compliance Department
Dear Shawn [redacted], We are in receipt of your complaint with the Revdex.com (Complaint
ID # 10931562). We are sorry to hear that you are dissatisfied with your
customer experience with Avant. Here at Avant we pride ourselves in providing
excellent...
customer service to all of our customers and take all feedback
seriously. Additionally, we would like to thank you for your service in the
United States Army.Please be advised you were reported
late for failure to make your July 1, 2015 installment payment when due. Following
receipt of your credit reporting inquiry on September 23, 2015, Avant informed
you via email that upon thorough review of your account we found that all information
reported to the credit bureaus on behalf of your account was accurate. As you know, Avant contacted you
telephonically on November 3, 2015 in response to an additional inquiry and
informed you that your information continued to be reported accurately. Moreover,
as of today’s date, Avant can confirm the information reported to the credit
bureaus on behalf of your account is accurate. Please be advised that the Fair
Credit Reporting Act prevents us from removing any information from your credit
report which is found to be accurate and complete. We encourage you to contact the individual bureaus, Transunion, Experian, and
Equifax, for more information about how the information reflected in your
credit reports impacts your credit score. We trust this explanation resolves this matter. Here at Avant we go to great
lengths to ensure a transparent and customer focused experience. If you have
any additional questions or concerns, please contact our Compliance Department
directly at [email protected]. We appreciate the opportunity to serve you. Sincerely, Avant Compliance Department
Initial Business Response /* (1000, 5, 2014/09/05) */
Contact Name and Title: [redacted], Compliance
Contact Phone: XXX-XXX-XXXX #477
Contact Email: [redacted]@avantcredit.com
Dear Ms. [redacted]:
We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)....
Please be advised that you applied for a loan from AvantCredit on May 13, 2013. 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 was declined, and the Notice of Adverse Action that was originally sent to you is re-attached here for your convenience.
We have attempted to contact you since receiving this complaint but have been unsuccessful in our attempts. Please contact our Compliance Department at [redacted]@AvantCredit.com or via phone at XXX-XXX-XXXX and we will promptly address your concerns.
Please visit our website at www.AvantCredit.com to learn more about our products and services.
Sincerely,
AvantCredit
Compliance Department
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take...
all feedback seriously.According to our records, you have contacted Avant on several occasions requesting that the negative information on your credit report be removed. In each instance, Avant timely reviewed your account and confirmed the accuracy of the credit reporting. Accordingly, Avant responded to each of your requests informing you that, per the Fair Credit Reporting Act (FCRA), we are unable to remove any information from your credit report which is found to be accurate and complete.Upon receipt of this complaint, we have once again reviewed your account and confirmed that the information reported to the credit reporting agencies on behalf of your account is accurate. According to our records, you failed to make any installment payments from December 2014 through September 2015. As a result, your account was accurately reported as late to the credit reporting agencies for these periods. On September 15, 2015, you agreed to a Long Term Payment Plan in order to lower your monthly installment amount and return your account to good standing. Per the terms of the Long Term Payment Plan Agreement, your account would be reported to the credit reporting agencies as current under a loan modification while on the plan. Accordingly, your account was reported as current under a loan modification to the credit reporting agencies for the month of September. On October 5, 2015, you made your first Long Term Payment Plan payment. Your account was subsequently reported as current under a loan modification for the month of October.On November 5, 2015, you failed to make your scheduled Long Term Payment Plan payment. Per the terms of the Payment Plan agreement, if any payment is not made within 10 days of the due date, the plan will be deactivated and the original repayment schedule will be reinstated. As the payment was not made by November 15, 2015, the plan was deactivated and your account reverted to a severely past due status. Consequently, your account was reported as past due as of November 30, 2015.On December 8, 2015, you settled your account with Avant for less than the full balance, and a confirmation email was sent to the email address on file that same day. This communication clearly states “the fact that the loan has been settled will be reported to credit bureaus and your credit rating may be affected as a result.” Accordingly, your account was accurately reported as settled to the credit reporting agencies as of December 8, 2015. On October 1, 2016, Avant received documentation from you claiming that Avant continued to request payments following settlement of your account, and that Avant had previously agreed to remove the tradeline from your credit report. Please note that Avant has been unable to substantiate either of these claims. The documentation received by Avant also stated that multiple accounts reported to the credit reporting agencies were fraudulent, and contained a police report in connection with this claim. However, no mention of Avant was made on this report. Upon receipt of this documentation, Avant sent a request to the address associated with your account advising that, if you believe your Avant account was opened fraudulently, Avant would investigate the matter upon receipt of a police report specifically mentioning Avant, as well as a copy of a government-issued photo ID. To date, the requested documentation has not been received.Please note that at no time did Avant advise [redacted] that the reporting on your account was inaccurate, nor did Avant provide either bureau with information stating that the reporting should be removed. Each bureau follows its own processes and procedures and, as a result, the decision to remove the tradeline from your report may have been made independently by each bureau. As previously stated, per the Fair Credit Reporting Act (FCRA), Avant is unable to remove any information from your credit report which is found to be accurate and complete. We have found that the information reported to Experian on behalf of your account is accurate and, as a result, are unable to make any modifications to your credit report. We apologize for any inconvenience. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11094567, and find that this resolution is satisfactory to me.
Sincerely,
Bessie [redacted]
Thank you all very much.
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). Here at Avant we pride ourselves in providing excellent service to all of our customers and take all feedback seriously. We are sorry to hear that you are dissatisfied with...
your customer experience with Avant. First, we want to thank you for choosing Avant. Our records show that you have been a customer since May, 2015. In May, 2015 you, like many of our customers, chose the convenience of recurring monthly remotely created check (“RCC”) debits to your bank account to make your monthly payments under the loan. In June, 2015, you requested to opt out of recurring RCC payments. Subsequently, you updated the bank account on file and consented to opt in to recurring automatic payments via ACH.In reviewing our records, we noted that on October 14, 2015, you submitted a timely request via e-mail to opt out of automatic payments and an additional request to move your November installment payment. Through a series of communications that followed these requests, Avant moved your November installment to the end of your loan term, but due to an isolated process issue, we did not update our system to stop the automatic ACH payments. Our records show that in December, we had several communications regarding your payment and updating your bank account information. However, because of the aforementioned isolated issue in canceling your automatic payments, we submitted a debit to your bank account, respectively, on December 21, 2015, and on January 19, 2016. However, please note that the January 19, 2016 payment has since returned. On January 19, 2016 we received email correspondence confirming your instruction to cancel the automatic payment service and debits to your bank account. You indicated at this time that you intended for the December payment to be automatically debited, but did not wish to opt in to recurring automatic payments. On January 24, 2016, Avant contacted you and indicated that your account was under review, and that we would reach out once the investigation concluded. On February 4, 2016, you contacted Avant via e-mail and advised that you did not wish to receive any form of communication from Avant. As a result, we have been unable to contact you directly to resolve this matter. We apologize for our process issue and any inconvenience we have caused you. We have completed the review of your account, and confirmed that no further payments will be debited from the bank account on file unless we receive your explicit authorization. As a courtesy, we have waived your January installment payment.Additionally, we will reimburse any fees assessed to you by your bank. Please submit documentation in the form of a bank statement or transaction detail showing the disputed debit, as well as the full amount of any fees, so that Avant may begin the reimbursement process. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
I am disappointed that my loan was denied. It posted that I was approved but after I entered my acct. Information and agreed to the loan terms. It said I was denied. Big waste of time and a credit inquiry. No where did it state I could be denied. Now they have my bank information. Not a good way to do business
Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]. We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant, we pride ourselves in providing excellent service to all of our customers...
and take all feedback seriously.As you are aware, on January 2, 2016, you contacted Avant via email and requested assistance returning your past due loan to a current status. On January 3, 2016, Avant provided you with a courtesy short term payment plan arrangement option. On January 4, 2016, you agreed to a short term payment plan and authorized recurring ACH payments from the bank account on file for your payment plan payments. That same day, final terms and a payment schedule were sent to the email account on file confirming the agreement. Please be advised, due to an isolated process issue, your account was not opted into recurring payments as authorized in your payment plan agreement. Accordingly, your payment plan payment due February 2, 2016, was not automatically debited from the bank account on file. Please note, once a due date for a payment passes and the payment is missed, the Customer Dashboard will not display that payment. On February 6, 2016, you emailed Avant and inquired as to why your payment was not taken from the bank account on file on its scheduled date. Accordingly, on February 7, 2016, Avant updated your account to ensure future payments would be debited as agreed. On February 8, 2016, Avant responded to your email requesting that you call Customer Support regarding your account in an effort to schedule a payment within the ten day grace period of your payment plan. As you know, per the payment plan agreement, payments must be made within ten days of their scheduled payment date or the payment plan will terminate.Additionally, on February 10, 2016, Avant called the telephone number on file for your account in an attempt to schedule a payment and inform you the subsequent payment plan payments would be attempted automatically as agreed. Despite these efforts, you did not submit a payment within the allotted grace period to satisfy the February 2, 2016 payment and your payment plan was terminated. Per the payment plan agreement, upon termination of a payment plan, the terms and payment schedule of your underlying loan agreement will be reinstated. On February 24, 2016, you scheduled an additional payment via your Customer Dashboard in the amount of $161.88 to be debited on February 25, 2016. On March 1, 2016, your installment payment was debited from the bank account on file as scheduled. Please note, Avant has refunded your March 1, 2016 installment payment as requested. Avant has attempted to contact you telephonically to inform you of this refund, but has been unable to reach you. We trust this explanation resolves this matter. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, or if you would like to discuss being reinstated on a short term payment plan, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take all...
feedback seriously.According to our records, on November 15, 2016, you contacted Avant via telephone and received a payoff quote in the amount of $2,825.73, to be paid by November 23, 2016 if paying via paper check. On November 21, 2016, Avant received a paper check in the amount of $3,100.00 and applied this payment to your account. On November 22, 2016, you contacted Avant via email and requested an approximate time frame for when you would receive your refund for overpayment. At this time, you also provided an address to which the refund could be mailed. On November 24, 2016, Avant responded to your email advising you that your refund would be provided directly to the bank account on file within two to three weeks. This time frame helps to ensure that all payments have successfully cleared prior to issuing a refund. On December 12, 2016, three weeks after your payoff check was received, a refund in the amount of $264.50 was issued to the bank account on file. After reviewing your account, Avant has found that this refund amount assumed that the amount due to pay off your loan was $2,835.50, which was the amount due on November 21, 2016, the date your check was received. However, as the payoff quote provided to you on November 15, 2016 was good through this date, an additional refund in the amount of $9.77 has since been issued to the bank account on file. We apologize for any confusion. We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint
ID # [redacted]. We are sorry to hear that you are dissatisfied with your
customer experience with Avant. Here at Avant we pride ourselves in providing
excellent customer service to all...
of our customers and take all feedback
seriously. As you know, your paper check has
been applied to your account and your loan is now paid in full. On December 9,
2015, we contacted you telephonically and you indicated that you consider this
matter resolved.Here at Avant we go to great
lengths to ensure a transparent and customer focused experience. If you have
any additional questions or concerns, please contact our Compliance Department
directly at [email protected]. We appreciate the opportunity to serve you
and thank you for being a valued customer of Avant. Sincerely, Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/06/22) */
Dear [redacted],
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 Avant. Here at Avant we pride ourselves in...
providing excellent customer service to all of our customers and take all feedback seriously.
As you know, the issue regarding your account was resolved on June 16, 2015 and you indicated that you were satisfied with the result. We apologize for any inconvenience.
We trust this explanation resolves this matter to your satisfaction. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Business Response /* (1000, 5, 2014/05/22) */
Contact Name and Title: M. [redacted], Compliance
Contact Phone: XXX-XXX-XXXX #477
Contact Email: [redacted]@avantcredit.com
Dear [redacted],
We are sorry to hear about your experience. Please be advised that we are always working on...
ways to enhance the customer experience based on customer comments such as yours. As discussed, we have since debited your account as agreed. Please be aware that you will need to contact one of our Customer Specialists to schedule any future payments as your account was opted out of automatic payments per your request. Your account is in good standing with AvantCredit as of the date of this response.
Please feel free to contact us at XXX-XXX-XXXX with any additional questions. We wish you the best in the future.
Sincerely,
AvantCredit
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant we pride ourselves in providing excellent service to all of our customers...
and take all feedback seriously.As you know, Avant contacted you via telephone on March 30, 2016 regarding this matter. You were advised that, due to an isolated system issue, the payoff quote provided to you in the amount of $6,684.37 was lower than the outstanding balance of your account, resulting in a remaining balance once your payment in this amount was processed. This remaining balance was subsequently debited on March 21, 2016, your regularly scheduled installment date. However, as a courtesy, this payment has been refunded. Accordingly, we consider this matter resolved.Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you. Sincerely,Avant Compliance Department