Avant, LLC

Initial Business Response /* (1000, 5, 2015/10/08) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)Here at Avant we pride ourselves in providing excellent customer service to all of our customers and take all feedback seriously
As
you know, this issue was addressed telephonically on September 22, You indicated you were satisfied with the result
Here at Avant we go to great lengths to ensure a transparent and customer focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve you
Sincerely,
Avant Compliance Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11094567, and find that this resolution is satisfactory to me
Sincerely,
Bessie *** Thank you all very much

Dear *** ***
We are in receipt of your complaint with the Revdex.com (Complaint ID #***)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 *** 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 experienceHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.As you are aware, you submitted an inquiry for credit on June 24, via www.Avant.comAccording to our records, your loan request was declined upon submission and you did not reach a pre-approved statusPlease note that rates are determined on an individual basis and are based on a number of factors including, but not limited to, your credit score, repayment history, and debt-to-income ratioFor customers who reach a pre-approved status, it is clearly disclosed during the loan request process that all pre-approved rates and terms are subject to verification of the information provided by the customer. Furthermore, we are confident we comply with all applicable state and federal rules, laws, and regulationsPlease be advised that all financial companies choose how they share your personal informationAvant details its own treatment of this information in its Privacy Policy, which you agreed to during the loan request processFor additional information, please refer to this Privacy Policy, located at the bottom of each page of our website (http://www.Avant.com).We trust this explanation resolves this matterHere at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at [email protected] appreciate the opportunity to serve youSincerely,Avant Compliance Department

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 remain dissatisfied with your customer experienceAs you know, on December 5th, 2016, your loan became late as we had yet to receive your November installment payment within the afforded grace periodAs a result, in order to prevent you from falling further behind on your payments, Avant emailed you a Past Due Notice on December 14th, inviting you to call our payments departmentAs previously communicated, please note that, while this Past Due Notice did make reference to avoiding potential negative credit reporting, this correspondence was not referring to our short term payment plan but rather to your past due balance being fully satisfiedLater on that day, Avant called you to inquire if you would be able to make a payment to fully satisfy your past due balanceAs you had indicated you would be unable to do so, in order to accommodate your unique financial situation, Avant offered you a 90-day short term payment plan to assist you in catching up with your past due balance, to which you agreedPlease be advised that the terms of the payment plan resulted in interest being frozen on your account, your monthly payment amount being temporarily reduced, and three of your regularly scheduled installment payments being deferred to the end of your loan, however all other terms and conditions of your underlying loan agreement remained in full force and effect, as was disclosed in the confirmation email sent to you after your enrollment in this planAs previously communicated, per company policy, please note that customers on the short-term payment plan may continue to be reported as late until such a time where their past due balance has been fully satisfiedAccordingly, as your past due balance was not fully satisfied until the completion of your payment plan on March 3rd, 2017, your account was correctly reported as late to the credit bureaus for the months of December 2016, January 2017, and February Additionally, you are currently being reported as 60+ days late as we have yet to receive payment for either your March or April installmentsPlease note that, as the Fair Credit Reporting Act (FCRA) prevents us from removing information found to be complete and accurate, we are unable to remove the credit reporting in question. Finally, please be advised that WebBank and Avant are confident that each fully complies with all applicable state and federal rules, laws, and regulations, including the Fair Credit Reporting ActWe trust this explanation resolves this matterIf you have any additional questions or concerns, please contact our Compliance Department directly at ***@Avant.comWe appreciate the opportunity to serve youSincerely,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 *** *** 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, on March 4, 2016, you applied for a *** installment loan issued via the Avant Platform*** is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programThat same day, you signed a loan agreement detailing the full rates and terms of your loan, and your loan request was approvedNotice of the approval was provided via email, which contained a copy of your signed loan agreement. On November 8, 2016, you contacted Avant and received a $6,payoff quote for November 9, As disclosed in this call, the payoff quote assumed that all existing scheduled payments would be completed in addition to the quoted amount in order for your account balance to be satisfiedPer the terms of your loan agreement, an installment payment in the amount of $was owed on November 9, 2016. During this call you stated that you did not wish to make the installment payment in addition to the quoted payoff amount, and a grace period was utilized in order to move the installment payment to November 10, You then scheduled a payment via your Customer Dashboard in the amount of $6,for November 9, 2016.As the remaining $of your account balance was not satisfied on November 9, in addition to your $6,payment, a balance remained on your accountHowever, due to a system issue, your account was incorrectly marked as paid in full and was subsequently reported as such to the credit bureaus.Following discovery of this system issue and the remaining balance, Avant emailed you on April 19, and notified you that an outstanding loan balance existed on your accountWe apologize for any inconvenience this may have causedPlease be advised that Avant has elected to waive this remaining balance as a courtesyYour account will return to a paid in full status and no additional funds are owed at this time. 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 youSincerely,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
seriouslyAs you know, on March 20th, 2017, you called Avant inquiring about the settlement options available to youPlease be advised that at no point during this conversation, or any other, did one of our specialists indicate to you that Avant would not honor the verbal agreements it enters into. Our specialist correctly advised you that, as you had not yet agreed to the settlement being offered to you, the offer was subject to change. However, once an agreement is reached, please be assured that Avant will abide by all the terms and conditions of said agreementAdditionally, please be advised that successful completion of any settlement agreement entered into is dependent upon all the terms and conditions of the settlement being adhered to. Please note that this includes Avant receiving final payment by the agreed upon deadline. Upon the completion of your settlement, your account will be reported as settled on your credit report, and this information will be released in our credit reporting data file which reviews the period in which your account was settledPlease note that we are unable to report settled accounts as paid offFurthermore, please note that if the amount cancelled on your loan equals or exceeds $600.00, the IRS requires Avant to report the amount cancelled on a Form 1099-CYou will receive this form for the year in which the settlement is completedIf you would like advice about the potential tax consequences that may result from this settlement, Avant recommends that you consult a tax professional of your choosingAvant does not make any representations about the tax consequences that this settlement may have for you or any reporting requirements that may be imposed on AvantPlease be advised that we are confident that we comply with all applicable state and federal rules, laws, and regulations. As requested, we have sent an email detailing the terms and conditions of the settlement being offered to you. As stated above, please note that, until the offer is agreed upon, the terms and conditions of this offer are subject to changeWe 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 youSincerely, Avant *** Department

Dear *** ***,We are in receipt of your complaint with the Revdex.com (Complaint ID #***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

Dear *** ***We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceHere at Avant, we pride ourselves in providing excellent service to all of our customers and take all
feedback seriously.On April 15, 2015, you submitted an inquiry for credit with Avant via a third party marketing affiliate, Lending TreeThat same day, you were approved for a loan in the amount of $16,and executed a loan agreement outlining the terms.On February 4, 2016, in order to assist you in making payments, Avant provided you with a long term payment plan agreement with monthly payments of $290.00, to be signed and returnedThat same day, Avant received your signed long term payment plan agreement and implemented the changes to your accountAccording to our records, you indicated in the returned payment plan that you would be making your monthly payments via paper checkAccordingly, Avant did not automatically debit your monthly paymentsPlease note that your full payment schedule, including future payments, can be viewed at any time via your Customer DashboardHowever, at no time did the dashboard indicate that your payments would be debited automatically. On February 16, 2016, Avant received your monthly long term payment plan payment via paper checkThat same day, your payment in the amount $was processed and applied to your account.On March 3, 2016, you scheduled your monthly long term payment plan payment to be debited via ACH from your customer dashboardAccordingly, on March 4, 2016, Avant received your payment in the amount of $290.00.On April 26, 2016, you missed your scheduled long term payment plan paymentPer the terms of your long term payment plan agreement, the payment plan would be deactivated if any payment is missed and not made up within days of the due dateOn May 7, 2016, your long term payment plan was deactivated as your April installment payment was not made within the established day grace period.On May 26, 2016, you contacted Avant via e-mail to inquire why your April installment payment was not debited from your accountOn May 31, 2016, Avant informed you via e-mail that you selected the repayment option of paper check for your long term payment plan and, as such, Avant was unable to automatically debit payments from your bank account. Also on May 31, 2016, you contacted Avant telephonically and expressed interest in a settlement offerPer your request, Avant offered you a settlement in the amount of $2,Later that day, you accepted Avant’s settlement offer and agreed to make the settlement payment the following day.On June 1, 2016, Avant received your settlement payment in the amount $2,As a result, your account with Avant is now considered settled.Upon receipt of your complaint, Avant reviewed the reporting of your account and determined that all information reported on behalf of your account prior to your settlement was accurateAdditionally, on June 7, 2016, Avant filed an update for your account to the credit reporting agenciesThis update reports your account as settledPlease be advised, we are unable to report settled accounts as paid off.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 *** ***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 know, on May 17, 2016, Avant contacted you telephonically and advised you that a check in the amount of $7,was received and posted to your account, effective May 13, As a result, your loan is now paid in full. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experienceIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/06/15) */
Dear ***
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX)We are sorry to hear that you are dissatisfied with your customer experience with AvantHere at Avant we pride ourselves in providing
excellent customer service to all of our customers and take all feedback seriously
Our records indicate that you contacted Avant via electronic mail on *** 23, In your e-mail you indicated that you wished to update the bank account on file and included documentation in order to do soOn *** 24, 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 occasionsOne of your emails did not contain an attachment, of which you were informed later that daySubsequently, you sent two additional emails containing attachments, each of which was in the same unreadable format as the original documentationAfter 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 accountConsequently, your installment in the amount of $due on May 26, was returned
Avant attempted to contact you on multiple occasions via phone and email between the dates of May 30, and June 8, in order to inform you of your past due payment, however we were unable to reach youOn June 9, you contacted Avant telephonically and set up a payment via debit card for your missed installmentAs this installment payment was not made within the allotted day grace period, we are unable to grant your request to waive the late fee that was assessed to your accountWe apologize for any inconvenience
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 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 lieI NEVER got any callsI talked to a manager who was very rude and she didn't say it was unreadableShe said it didn't contain my name or addressSo that is another LIEI gave the information over the phoneI have sent numerous emails and said I shouldn't have to pay the late fee because I've been trying to contact themI haven't gotten any calls what so everI feel like they are ripping people off just by the late feesI 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 LIEI talked to people and they both gave different responses to my "payment"One said it was unreadable and the other said thy didn't get itThey are obviously lying about everythingI never got ANY calls and it was your wrong doing, not mineI put the right number inYou people need to be shut down for ripping hard working people offI will not back down from this and I am suck of the runaround that you are giving meI have submitted my bank information weeks before the due date and you waited until it was past due to contact methis is all on you and not me! I have NEVER been late for anything EVER! You people are ridiculous and need to be shut downSo sick od this back and forth
Final Business Response /* (4000, 16, 2015/07/16) */
Dear ***
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
On June 9, you contacted Avant telephonically to set up a payment via debit card for your missed installmentDuring 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 formatYou 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 AvantConsequently, 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 incorrectAvant attempted to contact you via email during this period, however we did not receive a responseHad your May 26, installment payment been made by June 5, 2015, within the allotted day grace period, a late fee would not have been assessed to your accountAs 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 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

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,
*** ***

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Dear John ***, 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.Please be advised that on March 2, 2018, an email was sent to the email address on file with instructions on how to reset your account passwordWe apologize for any delay you may have experienced in receiving this email.In order to initiate a loan request for a *** installment loan via the Avant Platform you must reach out to our compliance department with your inquiry via one of the following methods: Email: [email protected] Fax: 312-***-***, attnResolutions Mail: AttnResolutions Avant LLC *** NLaSalle St Suite Chicago, IL, 60601Please note that *** is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programCredit is determined on an individual basis and is based on a number of factors including your credit score, repayment history, debt to income ratio, etcWe are confident we comply with all applicable state and federal rules, laws, and regulations.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], Avant Compliance Department

Dear *** ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you are dissatisfied with your customer experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriously.As you know, on May 15, 2013, you were approved for a personal installment loan with AvantOn February 7, 2014, you attempted to pay off this loanHowever, due to a previously committed installment payment returning later that day, your account was correctly re-openedNevertheless, in the interest of amicably resolving the matter, Avant elected to waive your remaining balance on May 8, Avant has reviewed this reporting and confirmed that this loan has been accurately reported as paid in full. On May 14, 2014, you successfully submitted an application for a second loan with AvantPlease note that, prior to submitting your application for final review, you signed and executed a loan agreement with Avant, which fully detailed all the terms and conditions of this loanOn May 19, 2014, you called Avant to check on the status of your applicationDuring this call, you were advised that a final decision would be rendered shortlyLater that day, you were determined to be eligible for a loanHowever, as your original loan agreement had expired, Avant emailed you requesting you sign an updated loan agreementSubsequently, you signed an updated loan agreement and were notified via email of your application’s approval.On October 31, 2014, you informed Avant via telephone of your intent to file bankruptcyAccordingly, Avant requested you provide us with your case number when you officially filed your petitionOn December 29, 2014, Avant received the requested information, and consequently ceased any and all collection attempts for the debtOn August 1, 2017, you called Avant requesting a copy of your signed contractDuring this call, Avant’s specialist correctly advised you that a full copy of your loan agreement was readily accessible via your online customer dashboardNonetheless, you requested a paper copy of your loan agreement be mailed to youIn order to assist you with this request, Avant’s specialist directed you to email the request to Avant’s Resolutions departmentPlease note that, according to our records, you did not email Avant’s Resolutions department as instructed.On September 14, 2017, Avant received notice that your debt was discharged on September 13, 2017, as part of your chapter bankruptcy filingPlease note that, per company policy, Avant furnishes data to the credit reporting agencies on a monthly cycle, with a month’s reporting file being released to the credit reporting agencies during the middle of the following monthAccordingly, your account was reported as discharged, as part of your chapter bankruptcy filing, with the September credit reporting fileAdditionally, Avant received a credit reporting dispute from you, in which Avant also accurately updated your credit reporting to reflect the chapter discharge. Please be advised that, after thoroughly reviewing your account, we have found that all information reported to the credit bureaus is complete and accurateAs the Fair Credit Reporting Act (FCRA) prevents us from removing any information which is found to be accurate and complete, we are unable to remove any of the information in question. Furthermore, please be advised that, on December 4, 2017, Avant mailed, as well as emailed, you a copy of your signed loan agreement in response to a prior complaint of yoursLater that day, you responded to Avant’s correspondence, which contained your signed loan agreement, by indicating your dissatisfaction with the responseFinally, please be advised that, in conjunction with this response, Avant will again be emailing you a copy of your signed loan agreementAdditionally, a transaction summary, which fully details the allocation of each payment made to date as well as outlines your loan’s original installment schedule, will be provided separately via email. Finally, if you believe the account in question was the result of identity theft, we encourage you to contact Avant’s Fraud Department at [email protected] receipt of an identity theft claim, please note that you will be required to complete an Identity Theft Affidavit form as well as supply either an official police report or an ICreferral form in order for an investigation into your claim to begin. 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

Initial Business Response /* (1000, 5, 2015/08/17) */
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, 2015/08/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Spoke with someone from compliance department was advised refund will be processed as well as a $amazon gift card was given time frame of 7-daysRefund came and it was not the amount that was deducted from my checking account so not happy about that but I don't have the time or energy to call the company back in regards of the difference and still haven't received the Amazon gift cardOn a positive note I did get a letter advising that no balance is owed and account paid in full
Final Business Response /* (4000, 9, 2015/09/03) */
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
After reviewing your account we have determined that you submitted an online request for a loan with Avant on March 4, The next day, the loan was approved and funds were deposited into the bank account on file on or about March 10,
Our records indicate that on June 1, you set up a payment via the Customer Dashboard, in the amount of $190.00, to be debited on June 12,
On June 25, 2015, you contacted Avant Customer Support, telephonically, to determine the status of your loanAt that time you were notified that your loan was in a "current" status and that you did not have a past due balanceDuring this telephone call, you inquired as to the remaining balance of your loanDue to an isolated system issue we were unable to provide you with a payoff quote at that timeWe apologize for the inconvenience
Subsequently, you were advised that your account had been escalated and would be reviewed by a managerA review of your account determined that your outstanding balance as of June 25, was $
As a courtesy, Avant has decided to change the status of your loan to "paid off", effective June 12, and waive the outstanding balanceAny payments that you have made subsequent to that date have been refunded and a letter confirming the same was sent to you via electronic mail, per your request, on August 17,
Additionally, we have filed an update to the credit reporting agencies to reflect your loan as paid off as of June 12,
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 Kimberlyn ***,We are in receipt of your complaint with the Revdex.com (Complaint ID # 11111313)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 September 16, 2015, you submitted an inquiry for credit via a marketing affiliate, OneloanplaceOn that same day, you were approved for a loan in the amount of $13,and signed your loan agreementPlease note that your loan agreement explicitly states that "We may report information concerning your performance under this Note to credit reporting agencies”.On or about January 2, 2016, Avant received notice of disputes submitted through ***, ***, and *** indicating that you believed the information reported by these credit reporting agencies was inaccurateOn January 18, 2016, after investigating these disputes, Avant responded confirming that the information reported by the reporting agencies was in fact accurate. As of the date of Avant’s response, January 18, 2016, the total outstanding balance of your account as reported to the credit reporting agencies was $14,Please be advised that this amount reflected on your credit report represents the total outstanding balance of your account, including accrued interest and any applicable fees. Further, we have reviewed all communications between you and Avant regarding your account and confirmed that at no time were you advised that your information would not be reported to the credit reporting agencies. 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 *** *** Thank you for your commentsWe take all feedback seriously and are always working on ways to enhance the customer experience.Your loan agreement states that you have the ability to opt out of recurring ACH payments by providing written noticeIn the call on June 21, 2016, you indicated you would like to update the bank account on file in order to make the installment payment scheduled June 24, from an updated accountYou were provided with instructions on how to update your bank account.During this call, the Customer Support representative also offered you the option to utilize a grace period movement for your installment payment scheduled June 24, 2016, to allow additional time for your bank account to be updatedAt this time, you authorized the movement of the installment payment scheduled June 24, to June 28, 2016. The Customer Support specialist also confirmed that the payment could be made via debit or credit cardYou indicated that a third party might be able to satisfy the upcoming installment payment using one of these methodsThe Customer Support specialist assisted you in adding this third party to your account as an authorized user so that your upcoming payment could be satisfied in this manner. Please note, your loan agreement clearly states that a Dishonored Payment Fee of $will be assessed each time a scheduled payment returnsAccordingly, a Dishonored Payment Fee was correctly applied to your account for the return of the installment payment scheduled June 28, 2016. We trust this explanation resolves this matterIf you have any additional questions or concerns, please contact our Compliance Department directly at *** We appreciate the opportunity to serve youSincerely,Avant Compliance Department