Terrible!
I spoke over the phone with a representative because they needed additional information about my incomeI uploaded all documents, but she couldn't even understand themI spoke with her an additional time and she asked for more documentsI told her if it would be okay for me to add them immediately and once she received them if she could give me a call backShe said yes that it would be fineI immediately went online to my account and she had already denied my loan before I could even upload the additional documents that they needed
Dear Elizabeth ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11098781)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.According to our records, on December 17, 2015, you submitted a loan request via www.Avant.comOn December 19, 2015, your loan request was approved and you signed your Loan AgreementPer your Loan Agreement, your first installment payment was due on January 22, 2016. On January 21, 2016, on or around 11:PM, you contacted Avant telephonically to advise that the bank account on file had been closedYou were advised at this time that all payment alteration requests must be communicated at least one business day before the payment is due; as it was after business hours on the day before your installment was due, Avant was unable to honor your request. At this time you were also advised that you would be assessed a Non-Sufficient Funds fee in the amount of $if this installment payment returnedPlease be advised that, per your Loan Agreement, "we will charge you a Dishonored Payment Fee of $each time any payment we initiate or you make in connection with this Note or the Debt is returned unpaid”Accordingly, we are unable to waive this fee. 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
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.As you know, on August 30, 2016, you contacted Avant via telephone in order to schedule your final payment on your account via credit card for August 31, 2016. Consequently, on August 31, 2016, Avant attempted to debit this payment as agreed, however the payment was declined. As a result, your account remained open with a balance.
That same day, Avant attempted to contact you via phone, however we were unable to reach you. Subsequently, an email was sent to the email address associated with your account advising you to contact us in order to discuss an important matter regarding your account.
On September 1, 2016, as Avant had not yet received a response, a second email was sent requesting that you contact us as soon as possible. On September 9, 2016, a third and final email was sent requesting that you contact us at your earliest convenience. Avant did not receive a response to either of these communications.
On November 11, 2016, you contacted Avant via telephone and scheduled a payment for the remaining balance of your account. This payment was successfully debited and your account is now in a paid off status.
On November 18, 2016, you contacted Avant via email with a request that any negative account history reported to the credit bureaus on behalf of your account be removed. Please note that the Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and complete. On November 23, 2016, after thoroughly reviewing your account, Avant responded advising you that the information reported on behalf of your account was found to be accurate and that, as a result, Avant was unable to remove the information from your credit report. We apologize for any inconvenience this may cause.
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 Mr. [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). In your complaint, you indicate that, after booking your loan, proceeds were not issued timely to your deposit account. Additionally, you note...
that your inquiries regarding the issue were redirected or unresolved. We are sorry to hear that you are dissatisfied with your customer experience. We pride ourselves in providing excellent service to all customers and take all feedback seriously. As you are aware, on December 15, 2016 you submitted an inquiry for credit for a Regions loan via the Regions Powered by Avant website. The application you submitted was considered in accordance with Regions’ established credit policy. Please note that Regions is the credit-issuer and servicer of your loan.After investigating the delay in funding your loan, we discovered a technical issue in the processing of loan proceeds for online accounts. Your loan was part of a small number of accounts whose loan proceeds were not issued on time. Following the correction of the issue, loan funds were transferred to your deposit account no later than 12/21/2016. Additionally, a credit in the amount of $15.01 for the interest assessed from the contract date to the funding date was applied to your loan account. Lastly, you indicated that you would like your monthly payments automatically drafted from your checking account. We have confirmed that this feature was established and your monthly payment will be debited on the 15th of each month. We apologize for any inconvenience this issue may have caused and will work to mitigate any future occurrences. If you have additional questions regarding your loan, please do not hesitate to contact Regions at [redacted]Sincerely,Avant Compliance Department
Avant Inc. started off great until I decided to pay them off. I had very negative experience from then on. Initially I had automatic withdrawals (ACH) from the company, so they would take out the amount required. I wanted to pay more so that I can pay them off early. I like to pay all my bills online so I go onto their website and the site would only let me pay additional funds but not the monthly amount due. I would still have to pay the amount due after that. To pay that I would have to wait until the day it was due. To me this was unfair because if I want to pay my account early I should be able to without waiting until the 18th of the month. I am accruing interest and they are making money. I spoke with a customer service agent and he advised me to take the ACH off and pay on my own. We also discussed how bad their online payment system is and he agreed. I then speak with another agent on Why do I owe money for the next month when I just made two large payments. After being frustrated with these issues I decided to pay the loan off. Well, why did they tell me that I still owe for the month on my account. If I go to your online payment system and click on the payoff button that would include the total I need to pay the entire loan off. I also should not have to pay anything that month because I had paid more than the required amount due, due to the large amount of money I put down within a couple of weeks. When I called the company they told me that I should of called in to pay it off. If this is the case, take this payment option off of your site and put on their please call in for a payoff. Their system is not advantageous to the customer. It seems to be set up for Avant to make money by accruing interest off of the customer because of their system. I paid the loan off but I am not happy with their business. I think they are ripping people off. I really think they will be going to court on this soon and they will owe their customers money.
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.Please be advised that Avant reports to the credit bureaus on a monthly basis. Prior to releasing our credit reporting files, we perform a thorough review of the information to ensure accuracy. The files which we send to the credit bureaus contain credit reporting information for the previous months. The date of account information reported will always be the last day of the month being reviewed. Please note that, due to state and federal law requirements, your loan agreement contains a notice that we may report information about your account to the credit bureaus, but does not require us to do so or specify a required reporting frequency. We are confident we comply with all applicable state and federal rules, laws, and regulations. As you are aware, the repayment activity on your loan began with your first installment payment scheduled October 3, 2016. Accordingly, your account was first included in the October credit reporting file, which included all payment activity on your account through October 31, 2016. Please be advised that we finished reviewing our October credit reporting file and released it to the credit reporting agencies on November 21, 2016. As each credit reporting agency follows its own schedule in updating their reporting, there may be a delay before the appearance of the updated information on your credit reports. We have confirmed that all three major credit reporting agencies now accurately reflect your October repayment history.We are currently reviewing our credit reporting information for the month of November, which will include your November 1, 2016 installment payment. We hope to release this information to the credit bureaus soon.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. At Avant, we pride ourselves in providing excellent service to all of our customers and take all...
feedback seriously.As you know, the issue regarding your account was resolved on July 22, 2016. At this time, Avant informed you that your payment in the amount of $1,250.00 satisfied your installment payments through May of 2016. Additionally, Avant advised that your normal installment payments resumed on June 27, 2016. Following this explanation, you indicated that you were satisfied with the result. We apologize for any inconvenience.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 [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 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, the issue regarding
your account was resolved telephonically on December 8, 2015 and you indicated
that you were satisfied with the result. We apologize for any inconvenience.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, 2015/09/01) */
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX). Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possible....
We appreciate your patience and cooperation in the matter.
If you have any immediate questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant
Initial Consumer Rebuttal /* (3000, 7, 2015/09/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yesterday they "fixed" the issues as they said... They did not notify me, I just logged onto my account to check up and saw everything changed. All they did was lessen the dollar amount I owed for last month by $10... They did not correct the inaccurate interest charging for six months worth of 50+ days of interest per month per billing cycle when there were only 30 and 31 days in those billing cycle months and my payments were never late they were always early. That needs to be credited to my principal. They also did not correct one month where they charged me $257 too much in interest (somehow) which I coughed and time and notified them and they still have not put the remaining overpayment of interest $255.37 towards my principle, they just kept it... And they still have not fixed their mistake of chargi and they still have not fixed their mistake of stating my principal is $5,787 (after I made $2800 worth of payments in June of 2015) "somehow" when the maximum amount of my loan is only $6000 and I haven't made any draws on it and almost a year... I need to correct my balance to where it is supposed to be which is $2,064.68 and apply the interest they overcharged me for which is a total of 147 days at 60% interest and a $4,000 principal (I'll do the math since they can't figure it out... It's $967.26) and also credit the $255.37 I overpaid in interest for August 2014 towards my principal as well. The total principal balance at the end of this for my august statement should be $842.05. This company has ripped me off by over charging me interest blatantly and hiding behind a blanket of " we don't have a contact phone number you can only email us" Bull...
Final Consumer Response /* (3000, 17, 2015/09/18) */
Why is this closed? They didn't fix anything. I sent back a second response and it says they have until September 13 to respond and they still have not responded just like normal because their customer service is ridiculous! They literally just blew me off through the Revdex.com just like they have been with everything else when it's a legitimate billing problem that is affecting me by almost $2000! I came to the Revdex.com because that's what you guys are here for because I have no way to contact them and they will not contact me back so my only option was to use you guys to help mediate the issue and nobody helped on your emd at all either! All that happened was I spent a boatload of time explaining to you guys what happened and then you just close the complaint with no resolve?
All they did was admit that they made a mistake in the billing "one time" it wasn't even true because it's been like nine months of mistakes, and then said we have adjusted everything and fix your discrepancies, but they didn't! They literally admitted to it said they would fix it notified you that it was fixed so they would clean up their name on the Revdex.com and then my balance is the exact same as it was before all of this started. I submitted the math spelled out very clearly for them of exactly what was wrong and what it should be and they completely ignored it.
Nowhere at all in there did they mention that they charged me for 51, 55, 57, 59, and 56 days worth of interest 5 months in a row when my payments work on time every single month! And to top it off the billing statement show each one of those months or 30 and 31 day months except for February which is only 28 days and somehow all of my payments were on time and they came up with 278 days worth of interest when there's only 148 days in the total billing cycles! THEY RIPPED ME OFF AND OVERCHARGED ME AND HOWEVER MANY OTHER CUSTOMERS THEY DO THIS TO BY 130 DAYS IN 5 MONTHS!!! They never once mentioned that which is the main problem In the billing!
Final Business Response /* (4000, 19, 2015/09/28) */
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, you reached out to Avant telephonically on September 16, 2015. During this call, it was explained to you that your monthly statements were correct. You were advised of your outstanding balance and you indicated that you were satisfied with the explanation.
On September 19, 2015, you contacted Avant and made two payments via credit card in order to pay off your remaining balance.
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, 2015/07/16) */
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.*
Our records indicate that you submitted an inquiry for credit with Avant on [redacted] 6, 2015. Funds were deposited into the bank account provided by you on or about [redacted] 11, 2015. On June 15, 2015, your regularly scheduled installment was missed. *
On June 25, 2015, you contacted Avant via telephone and advised that the bank account on file was incorrect. At this time, you were advised that a voided check or bank statement must be received by Avant containing your full routing and account numbers in order to update the bank account on file. *
Later that day, you faxed a hand-written document to Avant containing the full routing and account numbers. Avant then responded via e-mail with an explanation that the document must be an official bank document in order to be acceptable. You indicated on multiple occasions that you refused to provide an acceptable document. As such, Avant was unable to update the bank account on file. After reviewing your account, we have found that you were never assessed any unearned interest or fees. Consequently, we are unable to grant your request for a refund. We apologize for any inconvenience. *
We trust that 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 [redacted]@Avant.com. We appreciate the opportunity to serve you.*
Sincerely,
Avant Compliance Department
*Initial Consumer Rebuttal /* (3000, 7, 2015/07/17) */*(The consumer indicated he/she DID NOT accept the response from the business.)
The bank information that was needed was supplied by me via email, phone, and from my bank on june 25th 2015 once my bank notified me avant was using the wrong account number to withdraw funds. They were off one number but refused my multiple attempts to correct their mistake even with me supplying the correct information. A full refund is needed. Thank you. *
Final Business Response /* (4000, 9, 2015/07/27) */
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.*
Please be advised that the bank account on file was the one provided by you during your initial inquiry for credit. Avant has not received proper documentation to update the bank account on file from either you or your respective bank.*
You have indicated on multiple occasions that you refuse to provide any further documentation. As such, Avant was unable to update the bank account on file. *
After reviewing your account, we have found that you were never assessed any unearned interest or fees. Consequently, we are unable to grant your request for a refund. Additionally, please note that your account is now paid in full due to the paper check received by Avant on or around July 6, 2015. *
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
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 experience with Avant. We pride ourselves in providing excellent service to all of our customers and take all...
feedback seriously.As you know, on April 26, 2016, Avant contacted you telephonically regarding your complaint about the balance of your loan reflected on your customer dashboard. During this call, Avant informed you that the remaining balance on your account had been waived and your loan is reflected as paid in full. You indicated that you were satisfied with the result. Accordingly, we consider this matter resolved. We apologize for any inconvenience.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 [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear Nicole [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # 11085005). 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 13, 2016, you scheduled an ACH payoff payment online for January 14, 2016. Later that same day, you contacted Avant via telephone to inquire as to why the earliest date you were able to schedule this payment was January 14, 2016. During this call, you were correctly informed that ACH payments must be scheduled at least one (1) business day in advance due to the time required by the banks to process transactions. Accordingly, Avant sends the payment file to your bank one (1) business day in advance in order to ensure that the bank processes the payment on the scheduled date. Given this fact, the earliest date you could schedule a payment on Wednesday, January 13, 2016 was the following day, Thursday, January 14, 2016. Upon investigation, we have confirmed that funds were received on January 14, 2016. As this payment was correctly processed, we are unable to approve your refund request. Your account is now paid in full.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
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.Our records indicate that, on October 28, 2015, you submitted an inquiry for credit via www.Avant.com. During this process you consented to your credit report being pulled for underwriting purposes. Your loan request was denied, and you were subsequently sent a Notice of Adverse Action to the email address provided with your loan request.On November 24, 2015, you submitted a second request for credit via www.Avant.com. Once again, your request was declined, and you were sent a Notice of Adverse Action to the email address provided with your request. On November 27, 2015, you submitted a third request for credit via an affiliate, Affiliate Bros. Once again, you consented to your credit report being pulled for underwriting purposes. Your loan request was subsequently declined, and a third Notice of Adverse Action was sent to the email address provided with your request. On December 19, 2015, you submitted a fourth request for credit via an affiliate, [redacted] Your loan request was again declined, and you were sent a fourth Notice of Adverse Action to the email address provided with your request. Please be advised that these inquiries will not negatively impact your FICO score. The Equal Credit Opportunity Act (ECOA) requires creditors to notify customers, within 30 days of taking adverse action on an existing account, of the specific reasons for the action taken or the applicant’s right to a statement of the specific reasons. The Fair Credit Reporting Act (FCRA) requires additional disclosures when adverse action is taken based on information received from a consumer reporting agency. Consequently, a Notice of Adverse Action will be sent any time a loan request is declined by Avant. The notice is designed to help consumers by providing transparency to the credit underwriting process and requires the creditor to explain the reasons adverse action was taken.Additionally, we take allegations of fraud very seriously here at Avant. If you believe you have been the victim of identity theft, then at your request we can forward your information to our Fraud Department for further investigation, at which point an Identity Theft Affidavit must be completed. We also request that you send any evidence that you may have regarding your identity theft to [email protected] to assist with the investigation. 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
Initial Business Response /* (1000, 5, 2015/06/12) */
Dear [redacted]
We are sorry that you are dissatisfied with your customer experience at Avant. Here at Avant we pride ourselves in providing excellent customer service to all of our customer and take all feedback...
seriously.
Please be advised that Avant has recently filed an update with the credit reporting agencies. Avant has reported that your loan was closed and paid in full on May 11, 2015. As each agency follows its own schedule in processing and updating customer data, this latest update may appear on your credit after a few days.
We have reviewed your account and our internal records found that you began inquiries for credit with Avant on December 8, 2014 and on May 21, 2015. Please be advised that you consented to your credit report being pulled for underwriting purposes. Soft credit pulls were conducted in each instance. While Avant is unable to remove these inquiries, soft pulls do not impact your FICO credit score, and cannot be seen on your credit reports by third parties.
Following your most recent inquiry for credit on May 21, 2015, we informed you, via a Notice of Adverse Action sent later that same day, that we would be unable to grant you a loan at that time.
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 further questions or concerns, or if you would like a written explanation as to why we were unable to approve you please do not hesitate to contact our Compliance Department at [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (2000, 7, 2015/06/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Consumer Response /* (3000, 13, 2015/07/14) */
I have emailed a dozen times, at least, asking when my loan was considered paid off, have not heard back. I was told originally I would receive a letter in the mail as well, didn't receive a payoff letter through email or mail. They are still reporting to the credit bureau's that it is not paid off, even though they cashed the payoff check in May. They won't respond to me no matter what question I ask. I even asked about re-applying, when I would be eligible to do that, I got an automated reply that I would hear back in 24-48 hours, it has been 3 weeks.
Final Business Response /* (4000, 15, 2015/08/04) */
Dear [redacted]
Thank you for your comments. We regret that you did not find our previous response satisfactory.
As you know, when Avant responded to your previous Revdex.com dispute, we confirmed that your loan had been paid in full and closed on May 11, 2015. This information was provided in addition to the payoff confirmation notice which Avant sent to your email address on file on May 26, 2015. On July 15, 2015, Avant sent you an email with attachments including both a copy of this confirmation email, and a copy of your contract with a 'Paid Off' stamp. As of this response, we can confirm that [redacted] are all reporting your account as closed and paid in full.
Your claim that your recent inquiries for credit have been denied as a consequence of your early payoff is entirely without merit. As you know, Avant has provided you with lists of key factors which may have adversely affected your credit score with each Notice of Adverse Action. On June 24, 2015, at your request we provided you with a list of reasons why your most recent application was denied.
Avant does not assess any fees or penalties against early payoffs of our installment product, and categorically denies any suggestion that customers who complete such payoffs are "flagged" for denial of future credit. Avant has approved numerous inquiries for credit from such customers.
According to our records, you submitted an inquiry for credit with Avant on July 21, 2015. We have reviewed your account and found that we were unable to approve your application. A Notice of Adverse Action has been sent to the email address associated with your account. If you would like a written explanation as to why we were unable to approve you, please let us know and we will be happy to submit your request.
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 further questions or concerns, or if you would like a written explanation as to why we were unable to approve your credit inquiry, please do not hesitate to contact our Compliance Department at [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/06/15) */
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.
Our records indicate that you contacted Avant via electronic mail on [redacted] 23, 2015. In your e-mail you indicated that you wished to update the bank account on file and included documentation in order to do so. On [redacted] 24, 2015 Avant informed you that the document you sent was unreadable, and asked that you provide a new document in order to update your bank account.
On May 24, 2015, you emailed Avant on three occasions. One of your emails did not contain an attachment, of which you were informed later that day. Subsequently, you sent two additional emails containing attachments, each of which was in the same unreadable format as the original documentation. After the receipt of these emails, you were informed by Avant that new documentation would be needed in order to comply with your request.
As you did not provide new documentation in an acceptable format before your installment due on May 26, 2015, we were unable to update your bank account. Consequently, your installment in the amount of $89.37 due on May 26, 2015 was returned.
Avant attempted to contact you on multiple occasions via phone and email between the dates of May 30, 2015 and June 8, 2015 in order to inform you of your past due payment, however we were unable to reach you. On June 9, 2015 you contacted Avant telephonically and set up a payment via debit card for your missed installment. As this installment payment was not made within the allotted 10 day grace period, we are unable to grant your request to waive the late fee that was assessed to your account. We apologize for any inconvenience.
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 Consumer Rebuttal /* (3000, 7, 2015/06/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What they just said was a lie. I NEVER got any calls. I talked to a manager who was very rude and she didn't say it was unreadable. She said it didn't contain my name or address. So that is another LIE. I gave the information over the phone. I have sent numerous emails and said I shouldn't have to pay the late fee because I've been trying to contact them. I haven't gotten any calls what so ever. I feel like they are ripping people off just by the late fees. I have read their other Revdex.com complaints and people are saying the same as me.
Final Consumer Response /* (4200, 14, 2015/06/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is such a LIE. I talked to 2 people and they both gave different responses to my "payment". One said it was unreadable and the other said thy didn't get it. They are obviously lying about everything. I never got ANY calls and it was your wrong doing, not mine. I put the right number in. You people need to be shut down for ripping hard working people off. I will not back down from this and I am suck of the runaround that you are giving me. I have submitted my bank information 2 weeks before the due date and you waited until it was past due to contact me. this is all on you and not me! I have NEVER been late for anything EVER! You people are ridiculous and need to be shut down. So sick od this back and forth........
Final Business Response /* (4000, 16, 2015/07/16) */
Dear [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.
On June 9, 2015 you contacted Avant telephonically to set up a payment via debit card for your missed installment. During this call, you were informed that we were unable to update the bank account on file due to the documentation provided being in an unsatisfactory format. You were also informed that emails had been sent to you previously regarding the appropriate documentation that Avant must receive in order to update the bank account on file, however the appropriate documentation was not received by Avant. Consequently, during this call, you provided your bank account information verbally and the bank account on file was updated.
During this same call it was discovered that the phone number which was provided by you when you submitted your inquiry for credit was incorrect. Avant attempted to contact you via email during this period, however we did not receive a response. Had your May 26, 2015 installment payment been made by June 5, 2015, within the allotted 10 day grace period, a late fee would not have been assessed to your account. As this payment was not made within the allotted time, we are unable to grant your request to waive the late fee that was assessed to your account.
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
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 are aware, on October 24, 2015, you contacted Avant in order to schedule a payoff payment. Avant provided a payoff quote of $2,473.36 for October 26, 2015, and a payment was scheduled. On October 26, 2015, Avant attempted to take the payment via ACH from the account on file as agreed. On October 28, 2015, this payment returned with a return code of [R08], which indicates that the account holder had set up a stop payment. Please be advised this was not the first payment that Avant had attempted that had returned with the [R08] return code. Moreover, pursuant to your request on July 13, 2015, your account was marked “Do Not Call.” On November 20, 2015, you contacted Avant regarding your account and you were informed of the October 26, 2015 returned payment. On November 23, 2015, you contacted Avant again in order to schedule a payment on November 24, 2015 for $2,473.36, which was the payoff quote payable on October 26, 2015. During this call, you requested the additional interest that had accrued since the October 26, 2015 payoff quote be waived.Please be advised that payment files for ACH payments are sent out one business day in advance in order to ensure the payment is taken on the proper date. Accordingly, a payment file was sent to your bank on Friday, November 27, 2015 for the regularly scheduled monthly payment due Monday, November 30, 2015. As your outstanding balance as of November 27, 2015 was less than your installment, a payment in the amount of $109.07 was debited from the bank account on file.Later, on November 27, 2015, your payment scheduled for November 24, 2015 in the amount of $2,473.36 was returned with a [R08] return code. On November 30, 2015, the payment in the amount of $109.07 was successfully processed by your bank.On December 1, 2015, you contacted Avant and scheduled a payment for December 2, 2015 in the amount of $2,364.29, which is the payoff amount for October 26, 2015 less the amount of the November 30, 2015 payment. At this time, you again requested that the remaining interest be waived. This payment was successfully processed by your bank.As Avant has not identified any payment processing issues, Avant is unable to honor your request to waive your remaining loan balance.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, 2015/07/29) */
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.
We have reviewed your account and determined that you submitted an inquiry for credit on July 16, 2015. That same day, you were pre-approved for a loan, pending final verification. On July 17, 2015, it was determined that your online request for a loan was declined, and a notice of adverse action was sent to the e-mail address on file. If you would like a statement of specific reasons regarding the denial, please submit your request to [redacted]@Avant.com.
Please be advised that federal regulations under the Equal Credit Opportunity Act (ECOA) require application information to be maintained for a minimum of 25 months. All information we gather is used only in accordance with our privacy policy and protected by data encryption software. This software ensures that, even in the event of a security breach, the information will be unintelligible.
Please note that upon investigation, it was determined that Avant has never sent you a pre-screened offer of credit. If you would like to opt out of receiving offers in the future, please visit www.OptOutPreScreen.com or alternatively, you can contact TransUnion directly to remove your name:
TransUnion
Opt Out Request
[redacted]XXXX-XXXX
XXX-XXX-XXXX
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 Consumer Rebuttal /* (3000, 7, 2015/07/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My original statement was well worded,and I don't believe I ever stated that Avant sent me a pre-screened offer.I explained pretty well that I was given Avant as an alternative to the loan company that I was pre-screened for. ..Also,My complaint is about my info being used for purposes other than me getting a loan,and since I was turned down for the loan, I will never understand the Maintaining of the info for someone that isn't even a customer for a minimum of 25 months..That says to me that Avant will never delete that info..If the person was a customer,it would be understandable to maintain info for a certain time period...But for a non-customer,what would it be used for other than to sell that info?..knowing what I know now concerning the maintaining of my info,I'll refrain from ever applying again for loans of this nature because I wouldn't want to give another company all of my info to use as they see fit for their gain and I hope others know about the maintaining of their info when simply applying for loans as well...in a world where data breach is all too common now, maintaining an applicants Info for 2 years or more is not very smart,especially if that customer doesn't even get the loan.
Final Business Response /* (4000, 9, 2015/08/06) */
Dear [redacted]
Thank you for your comments. Please be advised that, as mentioned in our previous response, federal regulations under the Equal Credit Opportunity Act (ECOA) require us to keep all application information for a minimum of 25 months. This applies to not only customers, but to all consumers.
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
Dear Darline [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # 12348098). 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.On January 16, 2015, you initiated a loan request on www.Avant.com and executed a loan agreement outlining the rates and terms of the loan. On January 17, 2015, your loan request was approved. Funds were deposited into the bank account on file on or about January 23, 2015. On August 4, 2015, Avant received a facsimile from a debt management company. This included an authorization signed by you for the debt management company to access account information and communicate with Avant on your behalf. As you are aware, on September 16, 2015, you entered into a payment plan agreement with Avant. On September 17, 2015, your debt management company contacted Avant telephonically and received a payoff quote effective that same day in the amount of $11,625.89.Per your payment plan agreement, you were required to make payments within ten (10) days of each payment’s scheduled due date in order for the payment plan to remain active. This agreement stated that your original monthly payment schedule and terms would be reinstated if the payment plan was terminated. Please be advised that because your October 15, 2015 payment plan payment was not made within the required time period, your payment plan was terminated. Per your loan agreement, interest continued to accrue on the remaining principal balance of your loan. On November 24, 2015, Avant received a paper check in the amount of $379.13, which was subsequently applied to your account on December 1, 2015. On November 30, 2015, Avant received a paper check in the amount of $11,845.87 which was subsequently applied to your account on December 2, 2015. On December 1, 2015, your debt management company received a quote of $12,467.41 for the remaining balance of your loan. As a result of the subsequent application of the paper checks, less interest had accrued to your balance than what was quoted at the time of the December 1, 2015 call with the debt management company. We apologize for any confusion this may have caused. Please be advised, following the application of these paper checks, $213.18 remained on your loan balance effective December 1, 2015. As a courtesy, Avant has elected to waive this remaining balance as well as the additional interest that has accrued on your account since December 1, 2015. Your account has been marked as paid off. 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
I cannot say they are good or bad, but I was just online trying to do a loan, then on the verification process they requested the login and password to my bank. I would not give that to anyone, not even if Jesus himself asked for it. So I cancelled my application. I see no reason to need my private password with my bank
Terrible!
I spoke over the phone with a representative because they needed additional information about my incomeI uploaded all documents, but she couldn't even understand themI spoke with her an additional time and she asked for more documentsI told her if it would be okay for me to add them immediately and once she received them if she could give me a call backShe said yes that it would be fineI immediately went online to my account and she had already denied my loan before I could even upload the additional documents that they needed
Dear Elizabeth ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11098781)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.According to our records, on December 17, 2015, you submitted a loan request via www.Avant.comOn December 19, 2015, your loan request was approved and you signed your Loan AgreementPer your Loan Agreement, your first installment payment was due on January 22, 2016. On January 21, 2016, on or around 11:PM, you contacted Avant telephonically to advise that the bank account on file had been closedYou were advised at this time that all payment alteration requests must be communicated at least one business day before the payment is due; as it was after business hours on the day before your installment was due, Avant was unable to honor your request. At this time you were also advised that you would be assessed a Non-Sufficient Funds fee in the amount of $if this installment payment returnedPlease be advised that, per your Loan Agreement, "we will charge you a Dishonored Payment Fee of $each time any payment we initiate or you make in connection with this Note or the Debt is returned unpaid”Accordingly, we are unable to waive this fee. 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
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.As you know, on August 30, 2016, you contacted Avant via telephone in order to schedule your final payment on your account via credit card for August 31, 2016. Consequently, on August 31, 2016, Avant attempted to debit this payment as agreed, however the payment was declined. As a result, your account remained open with a balance.
That same day, Avant attempted to contact you via phone, however we were unable to reach you. Subsequently, an email was sent to the email address associated with your account advising you to contact us in order to discuss an important matter regarding your account.
On September 1, 2016, as Avant had not yet received a response, a second email was sent requesting that you contact us as soon as possible. On September 9, 2016, a third and final email was sent requesting that you contact us at your earliest convenience. Avant did not receive a response to either of these communications.
On November 11, 2016, you contacted Avant via telephone and scheduled a payment for the remaining balance of your account. This payment was successfully debited and your account is now in a paid off status.
On November 18, 2016, you contacted Avant via email with a request that any negative account history reported to the credit bureaus on behalf of your account be removed. Please note that the Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and complete. On November 23, 2016, after thoroughly reviewing your account, Avant responded advising you that the information reported on behalf of your account was found to be accurate and that, as a result, Avant was unable to remove the information from your credit report. We apologize for any inconvenience this may cause.
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
Sleazy-advertise promotions and then refuse to fulfill them after all conditions are met
Dear Mr. [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). In your complaint, you indicate that, after booking your loan, proceeds were not issued timely to your deposit account. Additionally, you note...
that your inquiries regarding the issue were redirected or unresolved. We are sorry to hear that you are dissatisfied with your customer experience. We pride ourselves in providing excellent service to all customers and take all feedback seriously. As you are aware, on December 15, 2016 you submitted an inquiry for credit for a Regions loan via the Regions Powered by Avant website. The application you submitted was considered in accordance with Regions’ established credit policy. Please note that Regions is the credit-issuer and servicer of your loan.After investigating the delay in funding your loan, we discovered a technical issue in the processing of loan proceeds for online accounts. Your loan was part of a small number of accounts whose loan proceeds were not issued on time. Following the correction of the issue, loan funds were transferred to your deposit account no later than 12/21/2016. Additionally, a credit in the amount of $15.01 for the interest assessed from the contract date to the funding date was applied to your loan account. Lastly, you indicated that you would like your monthly payments automatically drafted from your checking account. We have confirmed that this feature was established and your monthly payment will be debited on the 15th of each month. We apologize for any inconvenience this issue may have caused and will work to mitigate any future occurrences. If you have additional questions regarding your loan, please do not hesitate to contact Regions at [redacted]Sincerely,Avant Compliance Department
Avant Inc. started off great until I decided to pay them off. I had very negative experience from then on. Initially I had automatic withdrawals (ACH) from the company, so they would take out the amount required. I wanted to pay more so that I can pay them off early. I like to pay all my bills online so I go onto their website and the site would only let me pay additional funds but not the monthly amount due. I would still have to pay the amount due after that. To pay that I would have to wait until the day it was due. To me this was unfair because if I want to pay my account early I should be able to without waiting until the 18th of the month. I am accruing interest and they are making money. I spoke with a customer service agent and he advised me to take the ACH off and pay on my own. We also discussed how bad their online payment system is and he agreed. I then speak with another agent on Why do I owe money for the next month when I just made two large payments. After being frustrated with these issues I decided to pay the loan off. Well, why did they tell me that I still owe for the month on my account. If I go to your online payment system and click on the payoff button that would include the total I need to pay the entire loan off. I also should not have to pay anything that month because I had paid more than the required amount due, due to the large amount of money I put down within a couple of weeks. When I called the company they told me that I should of called in to pay it off. If this is the case, take this payment option off of your site and put on their please call in for a payoff. Their system is not advantageous to the customer. It seems to be set up for Avant to make money by accruing interest off of the customer because of their system. I paid the loan off but I am not happy with their business. I think they are ripping people off. I really think they will be going to court on this soon and they will owe their customers money.
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.Please be advised that Avant reports to the credit bureaus on a monthly basis. Prior to releasing our credit reporting files, we perform a thorough review of the information to ensure accuracy. The files which we send to the credit bureaus contain credit reporting information for the previous months. The date of account information reported will always be the last day of the month being reviewed. Please note that, due to state and federal law requirements, your loan agreement contains a notice that we may report information about your account to the credit bureaus, but does not require us to do so or specify a required reporting frequency. We are confident we comply with all applicable state and federal rules, laws, and regulations. As you are aware, the repayment activity on your loan began with your first installment payment scheduled October 3, 2016. Accordingly, your account was first included in the October credit reporting file, which included all payment activity on your account through October 31, 2016. Please be advised that we finished reviewing our October credit reporting file and released it to the credit reporting agencies on November 21, 2016. As each credit reporting agency follows its own schedule in updating their reporting, there may be a delay before the appearance of the updated information on your credit reports. We have confirmed that all three major credit reporting agencies now accurately reflect your October repayment history.We are currently reviewing our credit reporting information for the month of November, which will include your November 1, 2016 installment payment. We hope to release this information to the credit bureaus soon.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. At Avant, we pride ourselves in providing excellent service to all of our customers and take all...
feedback seriously.As you know, the issue regarding your account was resolved on July 22, 2016. At this time, Avant informed you that your payment in the amount of $1,250.00 satisfied your installment payments through May of 2016. Additionally, Avant advised that your normal installment payments resumed on June 27, 2016. Following this explanation, you indicated that you were satisfied with the result. We apologize for any inconvenience.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 [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 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, the issue regarding
your account was resolved telephonically on December 8, 2015 and you indicated
that you were satisfied with the result. We apologize for any inconvenience.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, 2015/09/01) */
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX). Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possible....
We appreciate your patience and cooperation in the matter.
If you have any immediate questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant
Initial Consumer Rebuttal /* (3000, 7, 2015/09/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Yesterday they "fixed" the issues as they said... They did not notify me, I just logged onto my account to check up and saw everything changed. All they did was lessen the dollar amount I owed for last month by $10... They did not correct the inaccurate interest charging for six months worth of 50+ days of interest per month per billing cycle when there were only 30 and 31 days in those billing cycle months and my payments were never late they were always early. That needs to be credited to my principal. They also did not correct one month where they charged me $257 too much in interest (somehow) which I coughed and time and notified them and they still have not put the remaining overpayment of interest $255.37 towards my principle, they just kept it... And they still have not fixed their mistake of chargi and they still have not fixed their mistake of stating my principal is $5,787 (after I made $2800 worth of payments in June of 2015) "somehow" when the maximum amount of my loan is only $6000 and I haven't made any draws on it and almost a year... I need to correct my balance to where it is supposed to be which is $2,064.68 and apply the interest they overcharged me for which is a total of 147 days at 60% interest and a $4,000 principal (I'll do the math since they can't figure it out... It's $967.26) and also credit the $255.37 I overpaid in interest for August 2014 towards my principal as well. The total principal balance at the end of this for my august statement should be $842.05. This company has ripped me off by over charging me interest blatantly and hiding behind a blanket of " we don't have a contact phone number you can only email us" Bull...
Final Consumer Response /* (3000, 17, 2015/09/18) */
Why is this closed? They didn't fix anything. I sent back a second response and it says they have until September 13 to respond and they still have not responded just like normal because their customer service is ridiculous! They literally just blew me off through the Revdex.com just like they have been with everything else when it's a legitimate billing problem that is affecting me by almost $2000! I came to the Revdex.com because that's what you guys are here for because I have no way to contact them and they will not contact me back so my only option was to use you guys to help mediate the issue and nobody helped on your emd at all either! All that happened was I spent a boatload of time explaining to you guys what happened and then you just close the complaint with no resolve?
All they did was admit that they made a mistake in the billing "one time" it wasn't even true because it's been like nine months of mistakes, and then said we have adjusted everything and fix your discrepancies, but they didn't! They literally admitted to it said they would fix it notified you that it was fixed so they would clean up their name on the Revdex.com and then my balance is the exact same as it was before all of this started. I submitted the math spelled out very clearly for them of exactly what was wrong and what it should be and they completely ignored it.
Nowhere at all in there did they mention that they charged me for 51, 55, 57, 59, and 56 days worth of interest 5 months in a row when my payments work on time every single month! And to top it off the billing statement show each one of those months or 30 and 31 day months except for February which is only 28 days and somehow all of my payments were on time and they came up with 278 days worth of interest when there's only 148 days in the total billing cycles! THEY RIPPED ME OFF AND OVERCHARGED ME AND HOWEVER MANY OTHER CUSTOMERS THEY DO THIS TO BY 130 DAYS IN 5 MONTHS!!! They never once mentioned that which is the main problem In the billing!
Final Business Response /* (4000, 19, 2015/09/28) */
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, you reached out to Avant telephonically on September 16, 2015. During this call, it was explained to you that your monthly statements were correct. You were advised of your outstanding balance and you indicated that you were satisfied with the explanation.
On September 19, 2015, you contacted Avant and made two payments via credit card in order to pay off your remaining balance.
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, 2015/07/16) */
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.*
Our records indicate that you submitted an inquiry for credit with Avant on [redacted] 6, 2015. Funds were deposited into the bank account provided by you on or about [redacted] 11, 2015. On June 15, 2015, your regularly scheduled installment was missed. *
On June 25, 2015, you contacted Avant via telephone and advised that the bank account on file was incorrect. At this time, you were advised that a voided check or bank statement must be received by Avant containing your full routing and account numbers in order to update the bank account on file. *
Later that day, you faxed a hand-written document to Avant containing the full routing and account numbers. Avant then responded via e-mail with an explanation that the document must be an official bank document in order to be acceptable. You indicated on multiple occasions that you refused to provide an acceptable document. As such, Avant was unable to update the bank account on file. After reviewing your account, we have found that you were never assessed any unearned interest or fees. Consequently, we are unable to grant your request for a refund. We apologize for any inconvenience. *
We trust that 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 [redacted]@Avant.com. We appreciate the opportunity to serve you.*
Sincerely,
Avant Compliance Department
*Initial Consumer Rebuttal /* (3000, 7, 2015/07/17) */*(The consumer indicated he/she DID NOT accept the response from the business.)
The bank information that was needed was supplied by me via email, phone, and from my bank on june 25th 2015 once my bank notified me avant was using the wrong account number to withdraw funds. They were off one number but refused my multiple attempts to correct their mistake even with me supplying the correct information. A full refund is needed. Thank you. *
Final Business Response /* (4000, 9, 2015/07/27) */
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.*
Please be advised that the bank account on file was the one provided by you during your initial inquiry for credit. Avant has not received proper documentation to update the bank account on file from either you or your respective bank.*
You have indicated on multiple occasions that you refuse to provide any further documentation. As such, Avant was unable to update the bank account on file. *
After reviewing your account, we have found that you were never assessed any unearned interest or fees. Consequently, we are unable to grant your request for a refund. Additionally, please note that your account is now paid in full due to the paper check received by Avant on or around July 6, 2015. *
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
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 experience with Avant. We pride ourselves in providing excellent service to all of our customers and take all...
feedback seriously.As you know, on April 26, 2016, Avant contacted you telephonically regarding your complaint about the balance of your loan reflected on your customer dashboard. During this call, Avant informed you that the remaining balance on your account had been waived and your loan is reflected as paid in full. You indicated that you were satisfied with the result. Accordingly, we consider this matter resolved. We apologize for any inconvenience.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 [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department
Dear Nicole [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # 11085005). 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 13, 2016, you scheduled an ACH payoff payment online for January 14, 2016. Later that same day, you contacted Avant via telephone to inquire as to why the earliest date you were able to schedule this payment was January 14, 2016. During this call, you were correctly informed that ACH payments must be scheduled at least one (1) business day in advance due to the time required by the banks to process transactions. Accordingly, Avant sends the payment file to your bank one (1) business day in advance in order to ensure that the bank processes the payment on the scheduled date. Given this fact, the earliest date you could schedule a payment on Wednesday, January 13, 2016 was the following day, Thursday, January 14, 2016. Upon investigation, we have confirmed that funds were received on January 14, 2016. As this payment was correctly processed, we are unable to approve your refund request. Your account is now paid in full.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
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.Our records indicate that, on October 28, 2015, you submitted an inquiry for credit via www.Avant.com. During this process you consented to your credit report being pulled for underwriting purposes. Your loan request was denied, and you were subsequently sent a Notice of Adverse Action to the email address provided with your loan request.On November 24, 2015, you submitted a second request for credit via www.Avant.com. Once again, your request was declined, and you were sent a Notice of Adverse Action to the email address provided with your request. On November 27, 2015, you submitted a third request for credit via an affiliate, Affiliate Bros. Once again, you consented to your credit report being pulled for underwriting purposes. Your loan request was subsequently declined, and a third Notice of Adverse Action was sent to the email address provided with your request. On December 19, 2015, you submitted a fourth request for credit via an affiliate, [redacted] Your loan request was again declined, and you were sent a fourth Notice of Adverse Action to the email address provided with your request. Please be advised that these inquiries will not negatively impact your FICO score. The Equal Credit Opportunity Act (ECOA) requires creditors to notify customers, within 30 days of taking adverse action on an existing account, of the specific reasons for the action taken or the applicant’s right to a statement of the specific reasons. The Fair Credit Reporting Act (FCRA) requires additional disclosures when adverse action is taken based on information received from a consumer reporting agency. Consequently, a Notice of Adverse Action will be sent any time a loan request is declined by Avant. The notice is designed to help consumers by providing transparency to the credit underwriting process and requires the creditor to explain the reasons adverse action was taken.Additionally, we take allegations of fraud very seriously here at Avant. If you believe you have been the victim of identity theft, then at your request we can forward your information to our Fraud Department for further investigation, at which point an Identity Theft Affidavit must be completed. We also request that you send any evidence that you may have regarding your identity theft to [email protected] to assist with the investigation. 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
Initial Business Response /* (1000, 5, 2015/06/12) */
Dear [redacted]
We are sorry that you are dissatisfied with your customer experience at Avant. Here at Avant we pride ourselves in providing excellent customer service to all of our customer and take all feedback...
seriously.
Please be advised that Avant has recently filed an update with the credit reporting agencies. Avant has reported that your loan was closed and paid in full on May 11, 2015. As each agency follows its own schedule in processing and updating customer data, this latest update may appear on your credit after a few days.
We have reviewed your account and our internal records found that you began inquiries for credit with Avant on December 8, 2014 and on May 21, 2015. Please be advised that you consented to your credit report being pulled for underwriting purposes. Soft credit pulls were conducted in each instance. While Avant is unable to remove these inquiries, soft pulls do not impact your FICO credit score, and cannot be seen on your credit reports by third parties.
Following your most recent inquiry for credit on May 21, 2015, we informed you, via a Notice of Adverse Action sent later that same day, that we would be unable to grant you a loan at that time.
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 further questions or concerns, or if you would like a written explanation as to why we were unable to approve you please do not hesitate to contact our Compliance Department at [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (2000, 7, 2015/06/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Consumer Response /* (3000, 13, 2015/07/14) */
I have emailed a dozen times, at least, asking when my loan was considered paid off, have not heard back. I was told originally I would receive a letter in the mail as well, didn't receive a payoff letter through email or mail. They are still reporting to the credit bureau's that it is not paid off, even though they cashed the payoff check in May. They won't respond to me no matter what question I ask. I even asked about re-applying, when I would be eligible to do that, I got an automated reply that I would hear back in 24-48 hours, it has been 3 weeks.
Final Business Response /* (4000, 15, 2015/08/04) */
Dear [redacted]
Thank you for your comments. We regret that you did not find our previous response satisfactory.
As you know, when Avant responded to your previous Revdex.com dispute, we confirmed that your loan had been paid in full and closed on May 11, 2015. This information was provided in addition to the payoff confirmation notice which Avant sent to your email address on file on May 26, 2015. On July 15, 2015, Avant sent you an email with attachments including both a copy of this confirmation email, and a copy of your contract with a 'Paid Off' stamp. As of this response, we can confirm that [redacted] are all reporting your account as closed and paid in full.
Your claim that your recent inquiries for credit have been denied as a consequence of your early payoff is entirely without merit. As you know, Avant has provided you with lists of key factors which may have adversely affected your credit score with each Notice of Adverse Action. On June 24, 2015, at your request we provided you with a list of reasons why your most recent application was denied.
Avant does not assess any fees or penalties against early payoffs of our installment product, and categorically denies any suggestion that customers who complete such payoffs are "flagged" for denial of future credit. Avant has approved numerous inquiries for credit from such customers.
According to our records, you submitted an inquiry for credit with Avant on July 21, 2015. We have reviewed your account and found that we were unable to approve your application. A Notice of Adverse Action has been sent to the email address associated with your account. If you would like a written explanation as to why we were unable to approve you, please let us know and we will be happy to submit your request.
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 further questions or concerns, or if you would like a written explanation as to why we were unable to approve your credit inquiry, please do not hesitate to contact our Compliance Department at [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Business Response /* (1000, 5, 2015/06/15) */
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.
Our records indicate that you contacted Avant via electronic mail on [redacted] 23, 2015. In your e-mail you indicated that you wished to update the bank account on file and included documentation in order to do so. On [redacted] 24, 2015 Avant informed you that the document you sent was unreadable, and asked that you provide a new document in order to update your bank account.
On May 24, 2015, you emailed Avant on three occasions. One of your emails did not contain an attachment, of which you were informed later that day. Subsequently, you sent two additional emails containing attachments, each of which was in the same unreadable format as the original documentation. After the receipt of these emails, you were informed by Avant that new documentation would be needed in order to comply with your request.
As you did not provide new documentation in an acceptable format before your installment due on May 26, 2015, we were unable to update your bank account. Consequently, your installment in the amount of $89.37 due on May 26, 2015 was returned.
Avant attempted to contact you on multiple occasions via phone and email between the dates of May 30, 2015 and June 8, 2015 in order to inform you of your past due payment, however we were unable to reach you. On June 9, 2015 you contacted Avant telephonically and set up a payment via debit card for your missed installment. As this installment payment was not made within the allotted 10 day grace period, we are unable to grant your request to waive the late fee that was assessed to your account. We apologize for any inconvenience.
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 Consumer Rebuttal /* (3000, 7, 2015/06/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
What they just said was a lie. I NEVER got any calls. I talked to a manager who was very rude and she didn't say it was unreadable. She said it didn't contain my name or address. So that is another LIE. I gave the information over the phone. I have sent numerous emails and said I shouldn't have to pay the late fee because I've been trying to contact them. I haven't gotten any calls what so ever. I feel like they are ripping people off just by the late fees. I have read their other Revdex.com complaints and people are saying the same as me.
Final Consumer Response /* (4200, 14, 2015/06/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is such a LIE. I talked to 2 people and they both gave different responses to my "payment". One said it was unreadable and the other said thy didn't get it. They are obviously lying about everything. I never got ANY calls and it was your wrong doing, not mine. I put the right number in. You people need to be shut down for ripping hard working people off. I will not back down from this and I am suck of the runaround that you are giving me. I have submitted my bank information 2 weeks before the due date and you waited until it was past due to contact me. this is all on you and not me! I have NEVER been late for anything EVER! You people are ridiculous and need to be shut down. So sick od this back and forth........
Final Business Response /* (4000, 16, 2015/07/16) */
Dear [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.
On June 9, 2015 you contacted Avant telephonically to set up a payment via debit card for your missed installment. During this call, you were informed that we were unable to update the bank account on file due to the documentation provided being in an unsatisfactory format. You were also informed that emails had been sent to you previously regarding the appropriate documentation that Avant must receive in order to update the bank account on file, however the appropriate documentation was not received by Avant. Consequently, during this call, you provided your bank account information verbally and the bank account on file was updated.
During this same call it was discovered that the phone number which was provided by you when you submitted your inquiry for credit was incorrect. Avant attempted to contact you via email during this period, however we did not receive a response. Had your May 26, 2015 installment payment been made by June 5, 2015, within the allotted 10 day grace period, a late fee would not have been assessed to your account. As this payment was not made within the allotted time, we are unable to grant your request to waive the late fee that was assessed to your account.
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
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 are aware, on October 24, 2015, you contacted Avant in order to schedule a payoff payment. Avant provided a payoff quote of $2,473.36 for October 26, 2015, and a payment was scheduled. On October 26, 2015, Avant attempted to take the payment via ACH from the account on file as agreed. On October 28, 2015, this payment returned with a return code of [R08], which indicates that the account holder had set up a stop payment. Please be advised this was not the first payment that Avant had attempted that had returned with the [R08] return code. Moreover, pursuant to your request on July 13, 2015, your account was marked “Do Not Call.” On November 20, 2015, you contacted Avant regarding your account and you were informed of the October 26, 2015 returned payment. On November 23, 2015, you contacted Avant again in order to schedule a payment on November 24, 2015 for $2,473.36, which was the payoff quote payable on October 26, 2015. During this call, you requested the additional interest that had accrued since the October 26, 2015 payoff quote be waived.Please be advised that payment files for ACH payments are sent out one business day in advance in order to ensure the payment is taken on the proper date. Accordingly, a payment file was sent to your bank on Friday, November 27, 2015 for the regularly scheduled monthly payment due Monday, November 30, 2015. As your outstanding balance as of November 27, 2015 was less than your installment, a payment in the amount of $109.07 was debited from the bank account on file.Later, on November 27, 2015, your payment scheduled for November 24, 2015 in the amount of $2,473.36 was returned with a [R08] return code. On November 30, 2015, the payment in the amount of $109.07 was successfully processed by your bank.On December 1, 2015, you contacted Avant and scheduled a payment for December 2, 2015 in the amount of $2,364.29, which is the payoff amount for October 26, 2015 less the amount of the November 30, 2015 payment. At this time, you again requested that the remaining interest be waived. This payment was successfully processed by your bank.As Avant has not identified any payment processing issues, Avant is unable to honor your request to waive your remaining loan balance.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, 2015/07/29) */
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.
We have reviewed your account and determined that you submitted an inquiry for credit on July 16, 2015. That same day, you were pre-approved for a loan, pending final verification. On July 17, 2015, it was determined that your online request for a loan was declined, and a notice of adverse action was sent to the e-mail address on file. If you would like a statement of specific reasons regarding the denial, please submit your request to [redacted]@Avant.com.
Please be advised that federal regulations under the Equal Credit Opportunity Act (ECOA) require application information to be maintained for a minimum of 25 months. All information we gather is used only in accordance with our privacy policy and protected by data encryption software. This software ensures that, even in the event of a security breach, the information will be unintelligible.
Please note that upon investigation, it was determined that Avant has never sent you a pre-screened offer of credit. If you would like to opt out of receiving offers in the future, please visit www.OptOutPreScreen.com or alternatively, you can contact TransUnion directly to remove your name:
TransUnion
Opt Out Request
[redacted]XXXX-XXXX
XXX-XXX-XXXX
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 Consumer Rebuttal /* (3000, 7, 2015/07/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My original statement was well worded,and I don't believe I ever stated that Avant sent me a pre-screened offer.I explained pretty well that I was given Avant as an alternative to the loan company that I was pre-screened for. ..Also,My complaint is about my info being used for purposes other than me getting a loan,and since I was turned down for the loan, I will never understand the Maintaining of the info for someone that isn't even a customer for a minimum of 25 months..That says to me that Avant will never delete that info..If the person was a customer,it would be understandable to maintain info for a certain time period...But for a non-customer,what would it be used for other than to sell that info?..knowing what I know now concerning the maintaining of my info,I'll refrain from ever applying again for loans of this nature because I wouldn't want to give another company all of my info to use as they see fit for their gain and I hope others know about the maintaining of their info when simply applying for loans as well...in a world where data breach is all too common now, maintaining an applicants Info for 2 years or more is not very smart,especially if that customer doesn't even get the loan.
Final Business Response /* (4000, 9, 2015/08/06) */
Dear [redacted]
Thank you for your comments. Please be advised that, as mentioned in our previous response, federal regulations under the Equal Credit Opportunity Act (ECOA) require us to keep all application information for a minimum of 25 months. This applies to not only customers, but to all consumers.
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
Dear Darline [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # 12348098). 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.On January 16, 2015, you initiated a loan request on www.Avant.com and executed a loan agreement outlining the rates and terms of the loan. On January 17, 2015, your loan request was approved. Funds were deposited into the bank account on file on or about January 23, 2015. On August 4, 2015, Avant received a facsimile from a debt management company. This included an authorization signed by you for the debt management company to access account information and communicate with Avant on your behalf. As you are aware, on September 16, 2015, you entered into a payment plan agreement with Avant. On September 17, 2015, your debt management company contacted Avant telephonically and received a payoff quote effective that same day in the amount of $11,625.89.Per your payment plan agreement, you were required to make payments within ten (10) days of each payment’s scheduled due date in order for the payment plan to remain active. This agreement stated that your original monthly payment schedule and terms would be reinstated if the payment plan was terminated. Please be advised that because your October 15, 2015 payment plan payment was not made within the required time period, your payment plan was terminated. Per your loan agreement, interest continued to accrue on the remaining principal balance of your loan. On November 24, 2015, Avant received a paper check in the amount of $379.13, which was subsequently applied to your account on December 1, 2015. On November 30, 2015, Avant received a paper check in the amount of $11,845.87 which was subsequently applied to your account on December 2, 2015. On December 1, 2015, your debt management company received a quote of $12,467.41 for the remaining balance of your loan. As a result of the subsequent application of the paper checks, less interest had accrued to your balance than what was quoted at the time of the December 1, 2015 call with the debt management company. We apologize for any confusion this may have caused. Please be advised, following the application of these paper checks, $213.18 remained on your loan balance effective December 1, 2015. As a courtesy, Avant has elected to waive this remaining balance as well as the additional interest that has accrued on your account since December 1, 2015. Your account has been marked as paid off. 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
I cannot say they are good or bad, but I was just online trying to do a loan, then on the verification process they requested the login and password to my bank. I would not give that to anyone, not even if Jesus himself asked for it. So I cancelled my application. I see no reason to need my private password with my bank