Avant, LLC

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Dear *** ***
We are in receipt of your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriously. On April 11, 2015, you submitted a loan request with Avant of California, LLC (“Avant”) via a marketing affiliateThat same day, your loan was approved and you signed a loan agreement detailing the rates and terms of a closed-end installment loanFunds were issued to your bank account on or about April 13, Per the terms of your loan agreement, information such as late payments, missed payments, or other defaults on your account may be reflected in your credit reportOn March 18, 2016, at your request, Avant provided you with a payment plan arrangement that established an alternate schedule of reduced payments in order to assist you in repaying your loanPer the terms of the payment plan agreement, if any payment plan payment is more than ten (10) days late, the payment arrangement will automatically terminateThe payment plan agreement clearly stated that the terms of the original underlying loan agreement, including the original payment schedule, shall be reinstated if the payment arrangement is terminated. Per your payment plan agreement, a payment of $was due on July 28, As this payment was not received within ten (10) days of its scheduled due date, your payment plan arrangement was terminated and the terms of your underlying loan agreement were reinstatedAccordingly, your account entered into a past due status, as the total amount of payments you had submitted did not satisfy the total amount of payments owed under the terms of your original loan agreement. On August 25, 2016, twenty-eight (28) days after your scheduled payment plan payment date, you contacted Avant in an effort to schedule your $payment plan paymentPlease note that, while your payment plan was correctly terminated, you should have been provided the option during this call to schedule a payment to be applied towards your original payment schedule and past due balanceDue to an isolated process issue, you were informed that a payment could not be processed on the account at that timeWe apologize for any inconvenience this miscommunication may have caused.Later that day, you contacted Avant via email and requested an explanation of your credit reporting statusFollowing a thorough review of your account, Avant responded to your credit reporting inquiry via email on September 21, and advised that the information reported to the credit bureaus following the termination of your long term payment plan was correct, as your account was over days past due under the terms of the original loan agreement, effective the date of your inquiry. As a payment scheduled on August 25, may have reduced or satisfied the past due account status which was subsequently reported to the credit bureaus, Avant has elected to file an update for your account as a courtesyThis update was filed to the credit reporting agencies on October 12, Please note that the credit reporting agencies follow their own policies of updating credit reports and it may take a few days for this update to reflect on your credit report. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve youSincerely,Avant Compliance Department

Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and
take all feedback seriously.Please be advised that verifying the amount and reliability of income is an important part of making a decision on a loan requestRates are determined on an individual basis and are based on a number of factors including but not limited to credit score, repayment history, and debt to income ratio. As you know, Avant contacted you via telephone on April 13, in an effort to resolve this matterDuring this call, you were advised that on April 1, you were sent an email titled “Your application for credit has expired, but we invite you to reapply at your convenience” due to the incomplete nature of your loan requestThis expired application notice is provided to every customer whose loan request is not completed within seven (7) calendar days after the initial loan request is submittedThis process is designed to help consumers by providing transparency to the credit underwriting process.Once again, adverse action was only taken on your credit application because it was incompleteFor this reason, you are still able to continue with the loan request process, if you decide to do so.You were advised during this call that the final step to completing this process is a three-way call with your financial institutionOnce this step is completed, you will receive a final decision on your loan 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 additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear *** ***
We are in receipt of your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and
take all feedback seriously.On January 7, 2016, you contacted Avant telephonically and requested a payoff quote for your loanDuring this conversation, Avant provided you with the payoff quote of $15,764.79, effective January 8, 2016,at which time it was disclosed that all payoff quotes assume that you will complete all existing payments as scheduled prior to or on the date of the final payoffYou indicated that you understood. On January 12, 2016, you contacted Avant telephonically and requested a payoff quote effective February 22, and a breakdown of your installment paymentsSubsequently, Avant provided you with a payoff quote of $15,Avant disclosed, again, that the payoff quote did not include your scheduled February installment paymentAdditionally, Avant sent a folle-mail which stated the payoff quote assumed you will successfully complete all of your existing scheduled payments.On January 26, 2016, you contacted Avant telephonically to apply a grace period to your February installment due February 1, Avant complied with your request and your February installment was deferred to February 11, Avant advised you that all payoff quotes assume scheduled installments would be madeYou indicated that you understood. Later that same day, you contacted Avant via e-mail and indicated you wished to opt out of automatic debits via ACHOn January 27, 2016, Avant contacted you via e-mail confirming that your account was opted out of automatic debits.On February 9, 2016, Avant received a paper check payment in the amount of $15,The payment was applied to your account that same dayOn February 11, 2016, you failed to make your installment payment in the amount of $634.28.On February 18, 2016, Avant provided you with a payment breakdown e-mail as requestedThat same day, you contacted Avant telephonically to inquire about the remaining balance shown on the payment breakdownAt that time, you were correctly informed that the payoff quote assumed your February installment would be made and, as such, there is still a balance on your account.Upon receiving a payment for your outstanding balance, your account will be marked as paid in fullIn order to make this payment, please contact Customer Support at *** and one of our specialists will be happy to help you.We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear *** ***According to our records, on August 15, 2015, you submitted a loan request via *** *** At this time, you were pre-approved for a loan up to $12,You selected a loan in the amount of $10,with a term of months at an APR of 32.00%, and executed a loan agreement outlining these termsUpon review of your loan request, it was determined that the monthly net income amount which Avant was able to verify was less than the amount provided by you at the time of the loan requestAs a result, the terms which Avant was able to offer changed. On August 16, 2016, you contacted Avant telephonically and were advised that the new amount for which you were pre-approved was $2,with a loan term of months at an APR of 34.00%At this time, you inquired about lowering your term to months, and you were explicitly advised that Avant was unable to offer you a term of months at that timeOn this same date, you decided to proceed with the updated terms and executed a new loan agreement to this effectA copy of this executed agreement was sent to you upon approval and is available for your review on your Customer Dashboard.Here at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/09/04) */
Dear ***,
We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experienceHere 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 refinance on July 27, During this process you consented to your credit report being pulled for underwriting purposes, and a credit inquiry was conducted
Upon review, the request for refinance was deniedAccordingly, that same day, a notice of adverse action was sent to via electronic mail to the e-mail address on file
On August 16, and August 21, 2015, when you logged into your Customer Dashboard via www.Avant.com, an isolated system issue resulted in two additional notices of adverse action being sent to youWe apologize for the inconvenienceThis issue should no longer affect your account
At no time were the above-referenced logins considered new requests for refinanceThe report obtained from TransUnion on July 27, is the most recent report we have on file, and is the report used in your request for refinanceNo additional credit inquiries were performed
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 ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (2000, 7, 2015/09/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Dear *** ***, We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.As you are aware, on May 4, 2017, your husband, Mr*** ***’s, personal installment loan was eligible for a reduce interest rate of 6% in accordance with the Servicemembers Civil Relief Act (SCRA) guidelinesAccordingly, Mr*** was provided a new payment schedule, on May 24, 2017, reflecting payments as low as $due on the 16th of each month or the business day thereafter. After a thorough review of the account, we have found no record of receiving a written or verbal request to re-initiate automatic paymentsPlease be advised that all payments have been made via phone as Mr*** revoked automatic payments effective August 10, 2015. Note that Mr***’s account entered late status, on June 17, 2017, as Avant did not receive his June installment within the allotted 10-day grace periodAs previously mentioned, during Mr***’s call, on May 26, 2017, he advised that you, *** ***, would be calling in to make future paymentsAccording to our records, Avant had not receive any contact from you in June or July in order to process his payments. We adamantly deny the use of any discriminatory practicesPlease be advised that SCRA relief does not prevent Avant from reporting late payment information to the credit bureaus if it is found to be accurateWe have found that all information reported to the credit bureaus on behalf of Mr***’s account is accurateNote that the Fair Credit Reporting Act (FCRA) prevents us from removing any information from Mr***’s credit report which is found to be accurate and completeWe are confident we comply with all applicable state and federal rules, laws, and regulations, and did not discriminate against Mr*** or any applicant for any reason. Accordingly, we are unable to grant your request to remove Mr***’s late credit reporting for the month of July 2017, as his payment due on June 17, was not satisfied in full until August 16, 2017; This resulted in the account being reported as days past due as of July 31, 2017.Note that Mr***’s installment payment due on July 17, was satisfied in full on August 17, 2017, therefore his account was not reported as days past due to the credit bureaus in for the period of August Please note that payments will be reported as past due if the full amount of an individual installment is not satisfied within days of its due date.Additionally, please be advised that we have recently finished reviewing our most recent credit reporting file and released it to the credit reporting agenciesThis file contains account activity information for the month of September, and reports Mr***’s account as paid in full. We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Dear Mary ***, We are in receipt of your complaint with the Revdex.com (Complaint ID # 11118891)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 January 27, 2016, you submitted an inquiry for credit via a marketing affiliate, *** ***On January 28, 2016, you were pre-approved for a loan from ***, pending final verificationPlease note, the loan request process clearly discloses that loan funding may be subject to verification checksIf the information submitted cannot be verified, the loan request will be declined. As you know, on January 29, 2016, you contacted Avant regarding your loan requestDue to an isolated process issue, you were incorrectly informed that no additional information was required from you at that timeWe apologize for any inconvenience. On January 30, 2016, Avant informed you that, as part of industry-standard verification checks, bank account verification is requiredAccordingly, you scheduled a time to contact Avant on February 1, to verify this information.Upon further review, Avant determined that your loan request was inadvertently declined on January 31, We apologize for any inconvenienceFollowing receipt of your complaint via the Revdex.com, Avant determined that you are still eligible for a loan and attempted to reach out to you in an effort to resolve this complaintHowever, you declined to engage Avant in reaching a resolution.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 /* (1000, 5, 2015/07/29) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case # XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing
excellent customer service to all of our customers and take all feedback seriously
We have reviewed your account and determined that you submitted an inquiry for credit on July 16, That same day, you were pre-approved for a loan, pending final verificationOn 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 fileIf you would like a statement of specific reasons regarding the denial, please submit your request to ***@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 monthsAll information we gather is used only in accordance with our privacy policy and protected by data encryption softwareThis software ensures that, even in the event of a security breach, the information will be unintelligible
Please note that upon investigation, it was determined that Avant has never sent you a pre-screened offer of creditIf 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
***XXXX-XXXX
XXX-XXX-XXXX
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (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 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 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 ***
Thank you for your commentsPlease 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 monthsThis applies to not only customers, but to all consumers
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department

Dear *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and
take all feedback seriously.As you are aware, you contacted Avant telephonically on January 27, 2016, to schedule an additional paymentAvant has reviewed this call, and determined that at no time did you specify a payment amount of $100.00, as alleged in your complaintDuring this call, you explicitly authorized an additional debit card payment in the amount of $175.70, the amount of your regular monthly installment.Later that day, you contacted Avant and stated that you had intended the additional payment to be in the amount of $As a courtesy, Avant elected to issue a refund to the bank account on file for the difference between the payment amount you authorized and the payment amount you indicated in the follcallThis courtesy refund of $was issued on January 27, The refund issuance returned to Avant on January 29, 2016, with a return code of [R03], indicating either there was no account on file with your account information or that the bank was unable to locate your account.Due to a process issue, the return of this refund was not notated on your accountAccordingly, in calls on February 1, and February 4, 2016, specialists informed you that your refund request was likely still pending as opposed to having been returnedWe apologize for any inconvenience this miscommunication may have caused. On February 12, 2016, you called and informed Avant that the bank account on file was inactive, and authorized Avant to cancel your request for a refundYou subsequently requested that the full debit card payment of $scheduled for January 27, be applied to your installment due February 23, Accordingly, your account was updated as requestedAvant confirmed this information with you telephonically on March 9, 2016.We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

(The consumer indicated he/she DID NOT accept the response from the business.)
I am not happy with the resultI do not feel I should have to pay anything elseI will pay it to keep in good standings but I am still very upset I was never contacted and all I got was an apology for the oversightThe interest would have continuously accrued and then a hit to my credit has happenedI was also put off by the company until the deadline of the Revdex.com complaint before anyone would speak to me regarding the issueI never told the employee from Avant that I was pleased with the result

Dear Yuelsis ***, Thank you for contacting AvantWe are sorry to hear that you are dissatisfied with your customer experienceAs you are aware, on May 14, 2016, you were approved for a *** installment loan via the Avant Platform*** is the credit issuer of the Avant Platform, a
closed-end installment program, where Avant operates as the administrator and servicer of the program.On February 23, 2018, you contacted Avant for the remaining balance on your accountDuring this call, you were quoted a payoff in the amount of $4,for February 26, Subsequently, you advised that a payment in the amount of $4,was sentPlease be advised that it may take 5-business days for your paper check payment to reflect on your account from the day the payment was received.Additionally, you requested assistance with accessing your online customer dashboardAt Avant we pride ourselves in providing excellent customer service to all of our customersWe are sorry to hear that your experience did not meet your expectationsWe have taken the necessary steps to ensure that this situation does not occur in the futurePlease contact us to confirm the information on your accountWe sincerely apologize for any inconvenience you may have experienced.On February 26, 2018, you called Avant regarding the status of your accountDuring this call, you were correctly advised that the last payment received was in the amount of $on February 20, Subsequently, you requested to speak with a supervisor as a transfer from your *** Card account was sent to *** on February 19, Please be advised that additional payments in excess of your monthly installment payment, as well as payoffs, can be made anytime via ACH, paper check or money orderNote that, during this call, Avant was unable to fulfill your request of being transferred to a supervisor as you advised that you will call back at a later time. Later that same day, a paper check in the amount of $4,was received and applied to your accountAs a result of this payment, your loan was closed as paid in fullA refund in the amount of $is currently being processed, and funds should be received within the next two weeksPlease be advised that these amounts are dependent on all previous payments successfully clearing and is subject to change.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear *** ***, Thank you for your comments regarding your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you continue to be dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.Please be assured that, Although ***, member FDIC, was the originator of your loan, Avant is currently the servicer and creditor on your loanFor the purposes of bankruptcy, please list "Avant" as the creditorIf you have any further questions about including your loan on a bankruptcy petition, please contact us directly at 844-***-***, or by email at ***@avant.com. 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 *** Department directly at ***@Avant.comWe appreciate the opportunity to serve you.Sincerely, Avant *** Department

Dear *** ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriously.As you are aware, on January 20th, 2017, you initiated an online conversation with one of our specialists During this online chat, you consented to being opted-out of your automatic payment method: Remotely Created Check (RCC) The specialist successfully did so and you were sent an automatically generated email confirming this update to your accountDuring this same chat, the specialist correctly informed you that opting out of automatic payments may not be sufficient to cancel your January 23rd payment as the opt out request was made after the cutoff time for cancelling RCC payments.As our specialist communicated to you and as our website clearly discloses in our “Repaying Your Loan” FAQ section, this cutoff time is 3:PM CST one business day before your scheduled payment date, and we cannot guarantee opting-out of an automatic payment after this time will cancel the automatic payment scheduled for the following business day Additionally, our specialist recommended that you contact your bank and instruct them to cancel the payment, if possible.Subsequently, on January 21st, 2017, you were sent an automatically generated email which confirmed that your January 23rd payment was still scheduled to be automatically processed on that dateIn accordance with this email, and with the terms outlined in your loan agreement, this payment was debited as agreed on January 23rd, 2017.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.We are confident we comply with all applicable state and federal rules, laws, and regulationsAccording to our records, on March 25, 2016, you submitted a loan request via www.Avant.comOn April 1, 2016, seven (7) days after your initial loan request, you were sent an email titled “Your application for credit has expired, but we invite you to reapply at your convenienceThis expired application notice is provided to every customer whose loan request is not completed within seven (7) calendar days after the initial loan request is submittedThis process is designed to help consumers by providing transparency to the credit underwriting process.Once again, adverse action was only taken on your credit application because it was incompleteAdditionally, our records indicate that at no time were you advised that your loan request submitted on March 25, was declined prior to receiving this expired application notice. As you know, Avant contacted you via telephone on April 13, in an effort to resolve this matterDuring this call, you were advised that the final step to completing this process is a three-way call with your financial institutionAvant offered to complete this step, however, you declined to provide the information required by your financial institution in order to verify your identityAs a result, Avant was unable to continue with the processPlease note that you are still able to continue with the loan request process, if you so choose. 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 *** *** We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriouslyAs you are aware, you contacted Avant telephonically on December 15, and requested a payoff quote for December 26, The specialist provided you with a payoff quote of $3,230.64, and a copy of this quote was sent via emailAs disclosed by the specialist in the call as well as in the payoff quote email, all payoff quotes assume that all payments scheduled on or before the quoted payoff date will be made in addition to the quoted payoff amount. Per your current installment payment schedule, your monthly installment is scheduled to be debited on the 24th of each month, unless the 24th is a weekend or holiday, in which case the payment will be debited the following business day and applied as if received on your regular repayment dateAs December 24, fell on a Saturday and Monday, December 26, was a bank holiday, the payoff quote you were provided assumed that your monthly installment payment in the amount of $199.05, adjusted to be scheduled December 27, 2016, would be made in addition to the quoted payoff amount Due to an isolated process issue, the specialist incorrectly informed you that no other payments would be required to be made in addition to the quoted payoff amountWe apologize for any inconvenience this inadvertent miscommunication may have causedAs correctly disclosed by the specialist and in the payoff quote email, if payment of the quoted amount was to be made via paper check or money order, said payment must be received by December 30, for the payoff quote to be honored. On December 26, 2016, you contacted Avant telephonically and requested to cancel your installment payment scheduled via remotely created check (“RCC”) on December 27, 2016, as you believed your account balance would be satisfied by a $3,paper check allegedly forwarded by your bankPlease note that all payment changes to RCC payments must be finalized one business day prior to the scheduled payment date, before 3:P.MCST. The specialist correctly informed you that Avant was unable to edit the payment at the time of the call, as RCC payment changes for Tuesday, December 27, were required to have been completed on Friday, December 23, 2016, due to the aforementioned bank holidayThe specialist advised that you were welcome to attempt to contact your bank to prevent the payment from being debited, if you wished to do soThis payment was debited as scheduled and later returned due to a stop payment being placed on the transaction We have reviewed your account and confirmed that Avant did not receive a paper check payment in the amount of $3,on or before December 30, As you know, you contacted Avant on January 11, and informed Avant that, as the paper check had not yet been received and applied to your account, you intended to put a stop payment on the checkYou then scheduled a RCC payment in the amount of $3,for January 13, During this call, you were correctly informed that your account balance exceeded this payment amountThis additional balance was a result of the installment payment scheduled December 27, not being made as required and the interest that had accrued on your account from December 26, through January 13, 2017. However, due to the inadvertent miscommunication that occurred on December 15, when the December 26, payoff quote was initially provided, Avant has elected to waive the $December 27, installment payment and all additional interest that accrued to your account through January 13, 2017, as a courtesyYour account has been marked as paid in full following receipt of the January 13, payment in the amount of $3,230.64.We trust this explanation resolves this matterAt Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***We appreciate the opportunity to serve youSincerely, Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/05/21) */
Dear *** ***,
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 ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (3000, 7, 2015/05/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This issue as been going on for about weeks nowEverytime I called they said they would look into it and that they could see it was a problem, but they had to forward it over to another department for resolutionI was even told to read their dispute policy and that I would have to write a letter to Avant and that they would have to acknowledge receipt of the letter and that was part of their policyI sent the letter with a tracing number and they got that letter weeks ago and still no responseI have called numerous times with promises of getting call backs and nothingHow long does it take to look at an account and correct itEverytime I would call, I was put on hold for an extremely long timeI have asked numerous times to speak with a manager and was not allowedOne person told me that he would "walk" my issue over to the compliance department to expedite the correction of the error and that he would call me back, but he never didThis company is DEFINITELY taking advantage of those trying to rebuild their creditNever late with any payments and always paid over the amountI need an immediate response and not thanking me for my patienceI have no patience, I want an answerAvant is continuing to blow me off and should be investigated for their business practices
Final Business Response /* (4000, 9, 2015/06/01) */
Dear *** ***,
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experienceHere at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously
As you know, we reached out to you on May 29, and resolved this matter with youWe apologize for any confusion with your monthly statementsPer your request, your account has been marked paid in full and closed with the receipt of your May 15, payment
We trust this resolves this matter to your satisfactionHere at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department

Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant, we pride ourselves in providing excellent service to all of our customers and take
all feedback seriously.As you are aware, on January 2, 2016, you contacted Avant via email and requested assistance returning your past due loan to a current statusOn January 3, 2016, Avant provided you with a courtesy short term payment plan arrangement optionOn January 4, 2016, you agreed to a short term payment plan and authorized recurring ACH payments from the bank account on file for your payment plan paymentsThat same day, final terms and a payment schedule were sent to the email account on file confirming the agreement. Please be advised, due to an isolated process issue, your account was not opted into recurring payments as authorized in your payment plan agreementAccordingly, your payment plan payment due February 2, 2016, was not automatically debited from the bank account on filePlease note, once a due date for a payment passes and the payment is missed, the Customer Dashboard will not display that payment. On February 6, 2016, you emailed Avant and inquired as to why your payment was not taken from the bank account on file on its scheduled dateAccordingly, on February 7, 2016, Avant updated your account to ensure future payments would be debited as agreedOn February 8, 2016, Avant responded to your email requesting that you call Customer Support regarding your account in an effort to schedule a payment within the ten day grace period of your payment planAs you know, per the payment plan agreement, payments must be made within ten days of their scheduled payment date or the payment plan will terminate.Additionally, on February 10, 2016, Avant called the telephone number on file for your account in an attempt to schedule a payment and inform you the subsequent payment plan payments would be attempted automatically as agreedDespite these efforts, you did not submit a payment within the allotted grace period to satisfy the February 2, payment and your payment plan was terminated. Per the payment plan agreement, upon termination of a payment plan, the terms and payment schedule of your underlying loan agreement will be reinstated. On February 24, 2016, you scheduled an additional payment via your Customer Dashboard in the amount of $to be debited on February 25, On March 1, 2016, your installment payment was debited from the bank account on file as scheduled. Please note, Avant has refunded your March 1, installment payment as requestedAvant has attempted to contact you telephonically to inform you of this refund, but has been unable to reach you. We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, or if you would like to discuss being reinstated on a short term payment plan, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve you.Sincerely,Avant Compliance Department