Avant, LLC

Dear [redacted] ,Please be advised the terms of our installment loans were clearly and fully disclosed on the company website, during the application process, and in your loan agreementPrior to final approval and issuance of the loan, you reviewed and signed the loan agreement fully detailing the rates and terms on www.Avant.com on January 13, Later that same day you received a copy of the executed loan agreement via email along with the confirmation that your loan request had been approved [redacted] is the credit issuer for the Avant Program, which is a closed-end installment loan program where Avant operates as the administrator and servicerAll loan requests are considered in accordance with [redacted] ’s established credit policyRates are determined on an individual basis and are based on a number of factors including the individual’s credit score, income, debt-to-income ratio and repayment history We are confident we comply with all applicable state and federal rules, laws, and regulationsAs the rates and terms were fully and clearly disclosed prior to your execution of the loan agreement, we are unable to honor your request to decrease the APR of your loanWe trust this explanation resolves this matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: I am rejecting this response because: Sincerely, Jeffrey [redacted]

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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.According to our records, on November 15, 2016, you contacted Avant via telephone and received a payoff quote in the amount of $2,825.73, to be paid by November 23, if paying via paper checkOn November 21, 2016, Avant received a paper check in the amount of $3,and applied this payment to your accountOn November 22, 2016, you contacted Avant via email and requested an approximate time frame for when you would receive your refund for overpaymentAt this time, you also provided an address to which the refund could be mailedOn November 24, 2016, Avant responded to your email advising you that your refund would be provided directly to the bank account on file within two to three weeksThis time frame helps to ensure that all payments have successfully cleared prior to issuing a refundOn December 12, 2016, three weeks after your payoff check was received, a refund in the amount of $was issued to the bank account on fileAfter reviewing your account, Avant has found that this refund amount assumed that the amount due to pay off your loan was $2,835.50, which was the amount due on November 21, 2016, the date your check was receivedHowever, as the payoff quote provided to you on November 15, was good through this date, an additional refund in the amount of $has since been issued to the bank account on fileWe apologize for any confusionWe trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted] We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously.According to our records, you submitted a loan request via www.Avant.com on November 22, On this same date, you signed your Loan Agreement and completed your applicationAt this time, you were preapproved for a loan in the amount of $2,In order to fulfill our commitment to responsible lending, all loan requests go through an online final review process after pre-approvalOur verifications team does an extremely thorough job ensuring that your documents and information is valid in order to prevent identity theft and fraudVerifying amount and stability of income is an important part of decisioning a loan.On November 23, 2015, Avant attempted to verify your employment using the contact number for your employer provided by you during the loan request process, but was unable to reach anyoneOn this same date, you contacted Avant telephonically and requested to cancel your applicationAccordingly, Avant provided you with an expired application notice, which we provide every customer whose loan request is cancelled or expiredThe 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.On November 30, 2015, you contacted Avant telephonically and stated that you wished to continue the loan request processAccordingly, a new request was openedLater this same day, Avant again attempted to verify your employment using the contact number for your employer provided by you during your loan request process, but was unable to reach anyoneOn December 1, 2015, Avant attempted to verify your employment a third time by contacting the number provided by you during your loan request process, and again, was unable to reach anyoneOn December 3, 2015, you contacted Avant via telephone to get an update regarding the verification processYou were advised that Avant has been unable to reach anyone in the Human Resources department for your employer, and it was requested that you provide contact information for a direct supervisor in order to complete the verification processYou stated that you did not wish for your supervisor to be contacted, and declined to provide additional contact informationAccordingly, Avant was unable to complete the verification process.On December 7, 2015, your loan request expired due to inactivityAccordingly, an expired application notice will be sent to the address on filePlease note that adverse action was only taken on your credit application because it was incomplete, therefore you are still able to reapply at your convenience, if you choose to do so.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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriouslyAs you are aware, on July 13, you initiated a loan request for a [redacted] installment loan issued through the Avant Platform [redacted] is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programOn July 14, 2016, you signed a loan agreement detailing the full rates of your loan and your loan request was approvedNotice of this approval was provided via email, which included a copy of your signed loan agreement.Per your loan agreement, written notice is required to opt out of recurring ACH paymentsOn Saturday, December 17, 2016, you contacted Avant via email and provided notice that your account should be opted out of ACH paymentsConfirmation that your account had been updated to reflect your requested changes was provided via email that same dayPlease be advised that all changes to scheduled ACH payments must be made at least one business day prior to the scheduled payment date, before 7:P.MCSTAs the cutoff time to make changes to payments scheduled Monday, December 19, was 7:PM Friday, December 16, 2016, your December 19, installment payment was debited as scheduledOn December 20, 2016, you contacted Avant telephonically and inquired as to why the December 19, payment was debitedDuring this call, the specialist confirmed that an ACH opt out was applied to your account the day it was received, but did not provide an explanation of cutoff times for ACH payments or explain why your December 19, payment still processedWe apologize for any confusion that this incomplete explanation may have caused On January 17, 2017, your December 19, installment payment was returned by your financial institution with a return code of R07, which indicates that authorization for the transaction had been revoked by the owner of the accountAccordingly, your loan entered into a late statusOn January 20, 2017, you contacted Avant and satisfied this installment payment via credit cardPer your loan agreement, information about your account, including late payments, may be reflected in your credit reportPlease note, your account may be reported to the credit bureaus as past due if the full amount of an individual installment is not satisfied with days of its respective due dateTo date, your account has not been reported as past dueWe trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear [redacted] , We are in receipt of your complaint with the Revdex.com (Case # [redacted] )We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously As you know, Avant contacted you regarding this matter on October 14, As a courtesy, Avant will waive the remaining interest which has accrued on your account once a payment in the amount of $is madeYou indicated that you were satisfied with this result Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you Sincerely, Avant Compliance Department

Complaint: [redacted] I am rejecting this response because:their was no change in my income I was not prescreen but approved by their measure from my credit report Then as we did the application Avant determine before I submitted all my personal information that I qualified for a certain amount I did change my mind with the first application but the credit report and fico score remained the same On the phone with my bank the lady only ask about one income deposit and they knew I had two Their denial is not truthful and I think they collects people personal information knowing ahead that is for their own data base to use however My application could have been approve by their qualification if they wanted it to be All that was said is just half truths They are still sending out preapprove letters to this day Sincerely, [redacted] ***

Dear [redacted] We are in receipt of your complaint with the Revdex.com (Complaint ID [redacted] Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possibleWe appreciate your patience and cooperation in the matter.If you have any immediate questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: On Jan 12th I explained to the representative that I would be paying off the loan and the quote needed to include any amounts due including upcoming payments and interestHence, the reason why I requested the payoff to be effective up until Feb22nd to allow for plenty of time for the check to be received by youI was previously enrolled in automatic payments, so the reason for my telephonic contact on Jan26th was to disenroll because I did not want an automatic payment to be debited from my checking account on Feb1st because, as I've already stated, my intent was to mail a final payoff check for the entire amount dueI find your response unsatisfactory, and what's even more unprofessional is that the amount of times I have tried requesting a response from your Compliance team by going through your respresentives you all have not bothered to respond to my issue other than via the Revdex.com platform Sincerely, [redacted] ***

Dear [redacted] , Thank you for your commentsWe are sorry to hear that you are dissatisfied with your customer experienceUpon review of your account, we have determined that you were accurately informed that Avant reports to the credit bureaus on a monthly basisPlease note that our company website also confirms this informationDue 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.As previously explained, the files which we send to the credit bureaus contain credit reporting information for the previous monthsPrior to releasing our credit reporting files, we perform a thorough review of the information to ensure accuracyYour account is first reported with the monthly file which includes your first installment paymentWe are confident we comply with all applicable state and federal rules, laws, and regulations.Please be advised that the balance reported to the credit bureaus reflects your remaining principal balance plus any interest that has accrued on that balance through the effective date of the reported informationPer your loan agreement, daily interest accrues on the principal balance of your loanPayments are applied first to outstanding charges, if any, then to accrued interest, and then to principalAs of October 31, 2016, you had made one payment on your loan, which was your $installment payment scheduled October 3, This initial installment payment, after first allocating to the interest that had accrued on your principal balance prior to the payment, reduced your principal balance from $7,to $7,Interest then accrued on the remaining principal balance from October 4, through October 31, 2016, which caused your total loan balance to equal $7,effective October 31, Your account balance was reported as such to the credit bureaus with our file containing credit reporting information through October 31, We are currently reviewing our credit reporting information for the month of November, which will reflect all payments made through November 30, 2016, including your November 1, installment paymentWe hope to release this information to the credit bureaus soonAs 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 reportsWe trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear [redacted] ***, We are in receipt of your complaint with the Revdex.com (Case # [redacted] We are sorry to hear that you are dissatisfied with your customer experienceHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously In order to fulfill our commitment to responsible lending, all loan requests go through an online final review process after pre-approvalThis review process may change the status of your loanPlease be advised that rates are determined on an individual basis and are based on a number of factors including your credit score, repayment history, debt to income ratio, etc Upon reviewing the information submitted by you during the initial loan request, it was determined that your stated monthly net income was greater than what was actually verifiedConsequently, there was an adjustment of the available rates and termsWe apologize for any confusion this may have caused Per the email sent October 19, 2015, you are still eligible to apply for a loanThe terms of any loan offered will be based on information contained in your loan application at the time you applyIf you would like to continue with your loan request, please go to our website and log in using your username and passwordIf you have any questions, feel free to contact us at 1-800-712- 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

Initial Business Response / [redacted] (1000, 5, 2015/05/01) */ 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 possibleWe 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.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) They make this simple statement each time and it says and does nothing Final Business Response / [redacted] (4000, 9, 2015/05/15) */ Dear [redacted] ***, Thank you for choosing Avant for your personal finance needsWe are sorry to hear that you are dissatisfied with your customer experienceHere at Avant, we pride ourselves in providing excellent customer service to all of our customer and take all feedback seriously As you know, on May 11, and on May 13, we reached out to you directly to resolve the issue and you indicated that you were satisfied with our responseYou further indicated that you would be closing the Revdex.com complaintWe apologize for any inconvenience We trust this explanation resolves this matter to your satisfactionIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] @Avant.comWe appreciate the opportunity to serve you Sincerely, Avant Compliance Department Final Consumer Response / [redacted] (2000, 11, 2015/05/20) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am satisfied with the company response and thank them for doing business with me

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me If unusuccessful by Mar 17, I'll continue with repayment as agreed Sincerely, [redacted] ***

Dear Newton [redacted] ,We are in receipt of your complaint with the Revdex.com (Complaint ID # 10954428)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously.According to our records, you submitted an inquiry for credit with Avant on November 1, On November 5, 2015, you signed your Loan Agreement and completed your applicationAt this time, you were preapproved for a loan in the amount of $3,In order to fulfill our commitment to responsible lending, our customer inquiries go through an online final review process after pre-approvalOur verifications team does an extremely thorough job ensuring that your documents and information is valid in order to prevent identity theft and fraudOn November 8, 2015, you were advised that, in order to complete the verification process, you would need to connect to the Online Verification Tool, or complete a Bank-Phone Verification with one of Avant’s specialistsAs these steps were not completed within days of the inquiry being submitted, the application expired.Later that same day, Avant provided you with an expired application notice, which we provide every customer whose loan request expiresThe 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.On November 9, 2015, Avant contacted you telephonically in order to complete the verification processYou advised Avant that you were unable to connect to the Online Verification Tool, and that you would call back to complete a Bank-Phone Verification on a later dateAvant subsequently attempted to contact you multiple times to complete the Bank-Phone Verification process, however we have been unable to reach youConsequently, on November 16, 2015, your application once again expired and Avant provided you with a second expired application notice.Please be advised that adverse action was only taken on your requests because they were incomplete, therefore you are still able to reapply at your convenience, if you decide to do soHere 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 with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.On April 23, 2016, you contacted Avant and requested a payoff quote for April 25, Due to an isolated system issue, you were provided a payoff amount of $14,This amount, when added to the $installment payment scheduled April 25, 2016, was less than the total loan balance effective that day by an additional $557.76.Upon scheduling a payment of $14,for April 25, 2016, your account incorrectly entered into a “Paid Off” statusA balance remained on your account following receipt of both the installment payment and attempted payoff payment on April 25, Your account was updated to accurately reflect its “Current” status on April 26, As a result of the remaining loan balance, your next installment payment was debited on May 17, 2016.As you are aware, Avant contacted you telephonically on May 24, in an attempt to resolve this matterDuring this call, Avant confirmed that your May 17, payment returned on May 20, You were informed that, as a courtesy, Avant had waived your remaining balance and your account was marked as paid in fullYou indicated you were satisfied with this explanation and resolutionHere 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 [redacted] We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Complaint: [redacted] I am rejecting this response because: The only terms disclosed to me at time of application/loan approval were length of loan and payment amountsThe high rate of 35.94%, which Avant/Webbank charges everyone, was not disclosed nor did I receive the terms/contract after being approvedI had to call in, request a copy via email recently, before it was sent to me Again, contrary what they claim, they do not take into consideration factors like credit score as they charge everyone the same flat rateAfter doing some research and reading a large number of negative Yelp reviews, mostly all about their high rate, they do not consider credit score and charge everyone 35.94% I spoke with a live phone rep recently, advised her as I did a [redacted] that payments on this loan will stop until rate is loweredPlease advise Avant/Webbank of this again as it would be in their best interest to renegotiate the rate if they wish to continue seeing payments Sincerely, [redacted]

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 AvantHere 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 paymentAvant provided a payoff quote of $2,for October 26, 2015, and a payment was scheduledOn October 26, 2015, Avant attempted to take the payment via ACH from the account on file as agreedOn October 28, 2015, this payment returned with a return code of [R08], which indicates that the account holder had set up a stop paymentPlease be advised this was not the first payment that Avant had attempted that had returned with the [R08] return codeMoreover, 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, returned paymentOn November 23, 2015, you contacted Avant again in order to schedule a payment on November 24, for $2,473.36, which was the payoff quote payable on October 26, During this call, you requested the additional interest that had accrued since the October 26, 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 dateAccordingly, a payment file was sent to your bank on Friday, November 27, for the regularly scheduled monthly payment due Monday, November 30, As your outstanding balance as of November 27, was less than your installment, a payment in the amount of $was debited from the bank account on file.Later, on November 27, 2015, your payment scheduled for November 24, in the amount of $2,was returned with a [R08] return codeOn November 30, 2015, the payment in the amount of $was successfully processed by your bank.On December 1, 2015, you contacted Avant and scheduled a payment for December 2, in the amount of $2,364.29, which is the payoff amount for October 26, less the amount of the November 30, paymentAt this time, you again requested that the remaining interest be waivedThis 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 matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response / [redacted] (1000, 5, 2015/06/12) */ Dear [redacted] We are sorry that you are dissatisfied with your customer experience at AvantHere 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 agenciesAvant has reported that your loan was closed and paid in full on May 11, 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, and on May 21, Please be advised that you consented to your credit report being pulled for underwriting purposesSoft credit pulls were conducted in each instanceWhile 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 satisfactionHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf 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] appreciate the opportunity to serve you Sincerely, Avant Compliance Department Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Final Consumer Response / [redacted] (3000, 13, 2015/07/14) */ I have emailed a dozen times, at least, asking when my loan was considered paid off, have not heard backI was told originally I would receive a letter in the mail as well, didn't receive a payoff letter through email or mailThey are still reporting to the credit bureau's that it is not paid off, even though they cashed the payoff check in MayThey won't respond to me no matter what question I askI 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-hours, it has been weeks Final Business Response / [redacted] (4000, 15, 2015/08/04) */ Dear [redacted] Thank you for your commentsWe 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, This information was provided in addition to the payoff confirmation notice which Avant sent to your email address on file on May 26, 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' stampAs 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 meritAs you know, Avant has provided you with lists of key factors which may have adversely affected your credit score with each Notice of Adverse ActionOn 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 creditAvant has approved numerous inquiries for credit from such customers According to our records, you submitted an inquiry for credit with Avant on July 21, We have reviewed your account and found that we were unable to approve your applicationA Notice of Adverse Action has been sent to the email address associated with your accountIf 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 matterHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf 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] 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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As you know, on July 8th, you agreed to a payment plan agreement with Avant to reduce your monthly installment amount from $to $ As part of that agreement, you acknowledged that the payment plan would be automatically terminated if any payment was not satisfied within days of its original due date Accordingly, your payment plan was deactivated on January 2nd, for failure to make your December 22nd, payment within the afforded day grace period.Additionally, please be advised that on January 13th, you were correctly informed that customers who have had two payment plans deactivate within the past twelve months are not eligible for a third Due to an isolated system issue, a payment plan which had previously been provided to your debt management company, but not activated on your account, was incorrectly labeled as deactivatedAs a result, you were incorrectly advised that you no longer qualify for a payment planWe apologize for any confusion or inconvenience this may have causedAfter reviewing your account, we have found that only one payment plan has been deactivated on your account As you know, on February 14th, 2017, you successfully enrolled in our Loan Modification Trial Plan.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.According to our records, on December 13, 2016, you contacted Avant via telephone in order to receive a payoff quote for your loanAccordingly, you were provided with a payoff quote which was valid through December 20, On December 16, at 10:pm, a check was received and applied to your account in order to pay off your loanHowever, as you know, your regularly scheduled installment payment was scheduled to be debited on December 19, 2016, the next business day and, as this check was applied to your account after business hours the business day before the payment was due, Avant was unable to cancel this installment paymentNote that all ACH payment files are sent to your bank for processing the business day before they are dueThis is due to the time required by banks in order to process the transactionOn December 19, 2016, following the debit of your regularly scheduled installment payment, you contacted Avant via telephone in order to inquire about the debitAt this time, you were advised that any overpayment would be refunded and that you would receive a follow up regarding your account the next business dayOn December 20, 2016, a representative attempted to contact you via telephone regarding your accountUnfortunately, they were unable to reach youOn December 22, 2016, you again contacted Avant via telephone to inquire about your accountYou were advised that refunds for overpayment of paper checks may take up to three weeksThis time frame ensures that the payment does not return prior to the refund being issuedOn December 28, 2016, following a review of your account which confirmed that your December 16, and December 19, payments did not return, a refund for the overpayment of your loan was provided to the bank account on fileWe trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department