Avant, LLC

Dear David Toney, Thank you for your commentsWe are sorry to hear that you are dissatisfied with your customer experience. As previously stated, your requests for refinance were considered in accordance with our established credit policyWe have reviewed your account and determined that your refinance requests were correctly declined. The terms of your installment loan were clearly and fully disclosed on the Avant website, during the application process, and in your loan agreementPer your loan agreement, you agreed to pay a finance charge in the amount of $in addition to the financed amount of $1,300.00. Please be advised that there are no prepayment fees, and you are welcome to pay off the loan at any timePlease note, if you pay off your loan early, you will only be responsible for the interest that has accrued on your account through your payoff date, which may reduce the total cost of your loanPayments are applied first to any fees, if applicable, then to accrued interest, and then to principal. 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 youSincerely,Avant Compliance Department

Dear *** ***
Thank you for your additional comments regarding your complaint with the Revdex.com (Complaint ID # ***)We are sorry to hear that you remain dissatisfied with your customer experience. As previously explained, the payoff quote email provided on January 13, detailed all unscheduled and scheduled amounts required to be paid in order to satisfy your loan balance effective January 24, As you had an installment payment scheduled to be made on January 24, 2017, the payoff balance provided assumed this payment would be made as agreed. This assumption was clearly disclosed in the payoff quote emailThe payoff quote email then explicitly listed the January 24, installment payment in bold as a payment which was “…currently scheduled and must be made as [a] separate transaction for the above quoted amount to be accurate.”As full payment of the loan balance was not received as required per the terms of payoff quote email, your account remains in a current statusPlease be advised your account will remain open until your loan balance is paid in fullWe are confident that 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 ***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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriously.As you know, on October 13th, 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 24th, for failure to make your January 14th, payment within the afforded day grace period Therefore, your loan has reverted back to its original installment schedule.Additionally, please be advised that, per your loan agreement, the interest on your loan is calculated using the daily simple interest method at a rate of 0.09301370% per dayThis means that interest accrues daily on your loan in an amount calculated by multiplying your outstanding principal balance by your daily rateYour payments are applied first to outstanding fees, if any, then interest, and then principalPlease be advised that any payment deferrals may result in additional interest accruing on your loanEarlier payments may allocate more towards your principal balance, which may help reduce the overall amount of interest that accrues on your account over the life of the loan. Please be advised that all installment loan terms were clearly and fully disclosed on the company website, during the application process, and prominently displayed on your loan agreement prior to signingFor your review, we have sent copies of your signed loan and payment plan agreements to the email address we have on file for you As a courtesy, we are also sending you a copy of your transaction summary and payment breakdown, which fully details how your previous payments were applied.Furthermore, please be advised that February 24th, was the first time you alerted us to potential fraudulent payment-related activity on your account According to our records, all of your account’s payment-related activity has been initiated via your customer dashboard at www.Avant.comIf you still feel your account has been compromised, please email us at *** with any evidence which may support your claim and we will be happy to look into the matter Finally, please note that failure to make your scheduled payments on time may result in the assessment of late feesAdditionally, please be aware that we may report information about your account to credit bureaus, including late payments, missed payments, or other defaults on your account Your account will remain open until your loan balance is paid in full If you would like to schedule a payment, please contact our Payments Department at *** at your earliest convenience and one of our friendly, understanding specialists would be happy to assist you.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

Initial Business Response /* (1000, 5, 2015/05/29) */
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
Final Business Response /* (1000, 8, 2015/06/10) */
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 submitted an inquiry for credit with Avant on February 24, Later that day, you signed your loan agreement and were approved for a loan in the amount of $6,Please be advised that the terms of your installment loan, were clearly and fully disclosed during the application process, as well as on your loan agreement prior to signing
Based on a thorough investigation, Avant has found that at no time were you informed that interest would be waived if your loan was paid in full before the end of your loan termInterest accrues on a daily basis and, while you will not be responsible for the full finance charge if you pay your loan off early, you will be responsible for any interest that has accrued up to that dateAdditionally, please be advised that our system was experiencing an isolated issue during the time that you were given the payoff quote for April 27, in the amount of $5,That said, the payoff quote given to you for May 11, in the amount of $5,was correctWe apologize for any inconvenience this may have caused
On May 14, 2015, you contacted Avant telephonically to make a payment via debit cardDuring this call, you were informed that payments made via *** remotely created check, paper check, or money order, can be made for any amount, including an amount above your installment amount
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 experienceAt Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback
seriouslyAs you are aware, on December 22, 2016, you initiated an inquiry for credit for a WebBank loan issued through the Avant Platform using a code from a pre-approved offer letterWebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant operates as the administrator and servicer of the programNote that, when submitting your application for final review, you consented to a hard credit inquiry being conducted on your credit report. Please note, pre-approval offers disclose that the offer is not guaranteed if you no longer meet the credit criteria used to screen you for the offer or you do not meet additional criteria needed to be creditworthy for the offerAdditionally, the website clearly discloses that final approval of a loan request is subject to verification of the information you provided during your application, including income, in line with WebBank’s commitment to responsible lendingWe have reviewed your account and determined that your application was correctly declined in accordance with WebBank’s established credit policyNotice of this decline was sent via email on December 22, 2016. 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 *** ***On April 7, 2016, you scheduled your final payment for your loan via www.Avant.com, and your loan was subsequently marked as “paid off”On April 12, 2016, following the five day cooldown period, you submitted a second inquiry for creditAvant reviewed your inquiry and determined that we were unable to approve your requestAccordingly, Avant provided you with a notice of adverse action.As previously stated, Avant reviewed your account and determined that you were correctly informed via the mobile app that you were eligible to reapply on April 12, Please note that your feedback regarding the mobile app has been escalated to the appropriate team to investigate and implement any necessary fixesIt should also be noted that our website at www.Avant.com works best when using *** *** or *** *** as you were informed by Customer Support.Furthermore, on May 10, 2016, Avant provided you with a list of reasons as to why we were unable to approve your requestPlease note, none of reasons provided to you indicated that you were declined due to the time between applications being too short. On May 13, 2016, you submitted a third inquiry for creditThat same day, Avant reviewed your inquiry and determined that we were unable to approve your requestPlease note, you are welcome to reapply days after your loan request was declinedOnce the day period has passed and you are eligible to reapply, the mobile app will update and display a message inviting you to reapply. 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 customer service to all of our
customers and
take all feedback seriously.We have reviewed your account and determined that on
November 3, 2015, you contacted Avant via e-mail inquiring about where to send
a check to pay off your loanThat same day, Avant responded to your inquiry
with our mailing address.On November 12, Avant contacted you via e-mail
advising you that a payment via paper check in the amount of $4,had
posted to your account, effective November 10, Please be advised that
this payment was in excess of your outstanding balance as of November 10, 2015,
which was $4,Payments made via paper check can take up to fourteen
(14) days to confirm funds have been receivedAccordingly, any applicable
refunds for overpayment in paying off the loan may take up to three (3) weeks
to send back to the customer.It should be noted that the month of November contains
two bank holidays, including Veteran’s Day and ThanksgivingAs such, a refund
in the amount of $was sent to the bank account on file, effective
December 2, Accordingly, we contacted you on December 3, to confirm
your receipt of the funds, and you indicated were satisfied and considered this
matter resolved.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
Compliance*** We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted],
Thank you for your comments. We are sorry to hear that you are still dissatisfied. Our records indicate that you contacted Avant via online chat on September 9, 2015. During this chat you requested to utilize a One Time Courtesy to move your installment payment, due September 11, 2014, to July 29, 2015. You were advised by the specialist that additional interest would accrue due to this use of this courtesy offer, and you indicated that you understood.
On July 29, 2015, you made your final installment in the amount of $133.17, which was originally due on September 11, 2014. Due to the additional interest which had accrued over the length of your loan, an outstanding balance in the amount of $180.17 remained on your account. As this amount was not paid, interest continued to accrue on the outstanding balance.
Avant contact you telephonically regarding this matter on October 14, 2015. During this call you were informed that, as a courtesy, Avant is willing to honor the payoff amount for your account as of July 29, 2015. You agreed to make this payment and were informed that, once the payment is made, Avant will waive the remaining interest and close your account. You indicated that you did not have any further concerns.
Please note that Avant has attempted to contact you multiple times following receipt of your rebuttal, and we have been unable to reach you. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department

Dear [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID #[redacted]). We are sorry to hear that you are dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback...

seriously.According to our records, on October 24, 2017, the bank account associated with your loan was debited for your monthly installment payment. Unfortunately, due to an isolated system issue with our payment processing partner, a second debit was attempted on your bank account for this payment. We apologize for any inconvenience this may have caused you.Later that day, Avant emailed you regarding the matter and advised you the second debit would be reversed and any resulting fees assessed by your banking institution would be fully reimbursed upon receipt of bank documentation evidencing the assessment of a fee.On October 25, 2017, you emailed Avant with a screenshot of your bank account’s transaction summary, evidencing the assessment of a $30.00 bank-assessed fee as a result of the debit. Subsequently, you called Avant, at which time Avant’s specialist acknowledged receipt of the screenshot and stated we would begin processing your request.As you know, later that day you called Avant again. During this call, an Avant specialist stated that your reimbursement request for the $30.00 bank-assessed fee would be processed within 24 hours. On October 30, 2017, you called Avant inquiring about the status of your request. During this call, you were advised that the funds would be reimbursed within 24-48 hours. Unfortunately, upon review of both calls in question, Avant has determined that you may have been provided with inaccurate information at those times. We apologize for any inconvenience or confusion you may have experienced during this process and certainly understand your frustration. Please know that we have taken the necessary steps to ensure this situation does not occur in the future.Please be advised that, per company policy, requests for reimbursement of bank-assessed fees may take up to 10 business days to process. In adherence to that timeline, on November 1, 2017, your $30.00 reimbursement request was approved and the funds were placed in transit on November 2, 2017, scheduled to be received by your banking institution on November 3, 2017.We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

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

Dear [redacted],Thank you for your comments. We are sorry to hear that you remain dissatisfied with your customer experience. At Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As previously communicated, our specialist clearly disclosed to you that the payoff quote assumed you would make all installment payments scheduled prior to or on the date of January 3rd, 2017. Please note that your January 2017 installment payment was also scheduled for January 3rd, 2017 in the amount of $111.68. Accordingly, the payoff quote provided to you assumed you would pay the $111.68 payment due on January 3rd, 2017 in addition to the quoted payoff amount. Please note that you were properly notified of this condition.  Additionally, note that when our specialist confirmed and reconfirmed that the payoff amount quoted to you would close your account, our specialist correctly assumed that your payoff payment would satisfy all of the conditions which were disclosed to you.  Nonetheless, as a courtesy, we have decided to refund your February 7th, 2017 payment of $115.19 and mark your account as paid in full as of your January 3rd, 2017 payment.  Please note that the funds should be made available to you in the bank account we have on file within the next one to two weeks, depending on your bank’s processing time.  Finally, please be advised that Avant requires receipt of a court order or subpoena in order to provide copies of call recordings.We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Complaint: [redacted]
I am rejecting this response because:I've paid (on time) for over a year and was denied other options .However will continue payments til paid .This company has treated me unfairly and I will pass it on .Paying over $2000 for a $1300 loan just isn't right.This  is one pigeon you won't get a second chance with 
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:The response stated that they comply with all state and federal laws, yet they ignored my request again.Utah law states, in which they are governed... specifically:According to Title 7, Chapter 23, Part 4, Section 403 (3)(b) states that my credit report shall be modified to reflect the status of the new loan or repayment plan, and not the previous loan which was in default, as follows: A deferred deposit loan may not be considered in default during the extended payment plan period if the person who receives the deferred deposit loan complies with the terms of the extended payment plan. However, they clearly stated that they would not update my credit report to reflect the new repayment plan that is in default, which is not compliant with the foregoing statute.
Sincerely,
[redacted]

Dear [redacted]On January 4, 2016, you submitted an inquiry for credit and subsequently executed a loan agreement outlining the terms of the loan. Please be advised, the terms of your installment loan were clearly and fully disclosed on the company website, during the application process, and in your signed loan agreement. On February 8, 2016, you submitted documentation to update your bank account. Upon review, it was determined that the submitted documentation was insufficient. That same day, Avant contacted you via e-mail requesting the proper documentation to perform the update. On February 19, 2016, you contacted Avant via e-mail regarding the process to update your bank account information. On February 22, 2016, Avant replied to your email, informing you that you had not provided sufficient documentation to update your bank account. Avant also provided information regarding the process for updating the bank account in this email. As of March 24, 2016, Avant has not received the documentation necessary to update your bank account. Subsequently, Avant has been unable to update your bank account information on file.We trust this explanation resolves this matter. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. Thus, if you are facing financial difficulty or are having trouble making payments, we encourage you to contact with the Payments Department at [redacted] to discuss various repayment options.If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Dear [redacted]We are in receipt of your complaint with the Revdex.com (Complaint ID #[redacted]. We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant, we pride ourselves in providing excellent service to all of our customers...

and take all feedback seriously.On December 30, 2015, you contacted Avant telephonically and expressed interest in being placed on a long term payment plan.  Later that same day, Avant e-mailed you the long term payment plan agreement with the first payment due on January 15, 2016, to be executed by you and returned. Avant never received your signed agreement.On February 1, 2016, you contacted Avant telephonically to make a payment. At this time, Avant informed you that we had not received your executed long term payment plan agreement. Accordingly, Avant was unable to implement the payment plan.On February 5, 2016, you contacted Avant telephonically to make a payment and to inquire about the long term payment plan. At this time, Avant informed you once more that we had not received your executed payment plan agreement and, therefore, you were not placed on such plan. On February 12, 2016, you contacted Avant telephonically and requested to be placed on a new long term payment plan. Accordingly, Avant set up a new payment plan with your first payment due on February 26, 2016. Additionally, Avant sent an updated agreement to be executed and returned.On February 16, 2016, you contacted Avant telephonically to confirm that Avant received your executed agreement. At this time, Avant informed you that your executed agreement was received and your first payment was due on February 26, 2016. You indicated that you understood.On March 16, 2016, Avant contacted you via e-mail to inform you that your long term payment plan had been terminated due to missing your first installment that was due on February 26, 2016. Avant has reviewed your account and found that we are unable to reinstate your previous long term payment plan as you did not make your first installment as agreed. If you are experiencing difficulty making monthly payments we advise you to contact customer support at [redacted] to discuss repayment options. We trust this explanation resolves this matter. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]m. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/07/17) */
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 Avant. Here at Avant we pride ourselves in providing...

excellent customer service to all of our customers and take all feedback seriously.
On Friday, May 29, 2015, you contacted Avant via email requesting a payoff amount for your loan. In this email, you indicated that you wished to pay off your loan within the upcoming days. As such, later that day Avant responded to your email with a payoff quote in the amount of $6,120.50. You were advised in this email that the payoff quote would be available until June 1, 2015. You were also given information regarding how to find your payoff quote on your Customer Dashboard, should you wish to receive a quote for a different date.
On June 9, 2015, Avant received a paper check in the amount of $6,120.50. As this check was received after the date that the original payoff quote was due, additional interest accrued on your account. Consequently, a balance remained on your loan. This balance, in the amount of $48.39, was drafted from the bank account on file on June 23, 2015, your regularly scheduled repayment date. Please note that your loan is now paid off. Additionally, we are confident we comply with all applicable state and federal rules, laws, and regulations. We apologize for any inconvenience.
As a result of your dissatisfaction with our customer service team, we have initiated a refund in the amount of $48.39 to your account as a courtesy.
We trust this explanation resolves this matter. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (2000, 7, 2015/07/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Provided refund

Complaint: [redacted]
I am rejecting this response because:
TheThe the respondent are pathetic [redacted] and they prey on people and they come up with these good lies for a response. They are some professional loan sharks and I'll advise any person never to do business with Avant or of whoever they want to put it on ever! Thank you Illinois Revdex.com. I really appreciate your service. I am closing out this claim. There is nothing else that we can do. Thank you so much.
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. At Avant, we pride ourselves in providing excellent service to all of our customers and take all feedback...

seriously.As you are aware, on November 30, 2015, you initiated an inquiry for credit for a [redacted] installment loan via 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 program. All applications for [redacted] products are considered in accordance with [redacted] established credit policy. You selected a 60-month, $18,500.00 installment loan with a 33.99% Annual Percentage Rate (“APR”), a finance charge of $20,178.65, with 59 monthly installment payments in the amount of $644.64, and a final payment of $644.89. You subsequently signed a loan agreement detailing these rates and terms.The rates and terms of your loan were clearly and fully disclosed on the company website, during the application process, and in your Truth-in-Lending disclosures and loan agreement. Your loan request was approved and notice of the approval was provided via email. This notice included a copy of your signed loan agreement. Per the agreed terms, daily interest accrues on the principal balance of your loan. Accordingly, the use of grace periods, schedule changes, or other payment deferments may cause additional interest to accrue to your loan balance. Payments are applied first to outstanding charges, if any, then to accrued interest, and then to principal.On August 30, 2016, you contacted Avant and advised that you were unable to meet your agreed monthly payment obligations because you were experiencing financial hardship. In order to assist you with your financial situation, Avant offered you a long term payment plan. That same day, Avant sent you an email which clearly detailed the terms of the payment plan agreement. You agreed to the terms of the payment plan arrangement on August 30, 2016. The payment plan agreement clearly states that the terms and conditions of your loan agreement – except for the payment schedule modifications set forth in the payment plan agreement – remained in full force and effect.The payment plan that Avant offered, and to which you agreed, reduced your monthly payment obligation (from $644.64 per month to $515.71 per month) and extended your term (until March 2022). Interest continued to accrue on the principal balance of your loan at the original interest rate, however the total amount of payments owed per the terms of the payment plan was fixed at $34,509.37. We set this cap so that the total amount of the payments you made prior to your payment plan plus the total amount of the payments you made under the payment plan would not exceed the total cost of the loan set forth in your loan agreement – that is, a Total of Payments of $38,678.65. You were also permitted to pay off your loan at any time, including after agreeing to the special payment plan.  If you were to choose to pay off early while active on the special payment plan, we would cancel the special payment plan terms and you would repay any outstanding fees, accrued interest, and the remaining principal balance per the terms of your loan agreement. The remaining principal balance per your loan agreement at a given date may have been less that the remaining amount owed under the agreed terms of the long term payment plan. However, you did not make all of your payment plan payments within ten days of the due date, and as a result we terminated your payment plan on May 7, 2017. Accordingly, the underlying loan terms have been reinstated and any amounts owed per the terms of your loan agreement which have not been satisfied by the payment plan payments have become due. For your reference, copies of your loan agreement and the payment plan agreement have been provided via email to the address associated with your account. Your payment plan agreement is also available for your review at any time via your Customer Dashboard. If you are having trouble making payments, please feel free to contact Customer Support at 1-800-712-5407 or at [email protected] to discuss our various payment options. You can also complete an assessment of your financial situation via your Customer Dashboard to see if you qualify for other forbearance options at this time. We apologize for any confusion you may have experienced when discussing the terms of your long term payment plan with Customer Support. We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [email protected]. We appreciate the opportunity to serve you. Sincerely,Avant Compliance Department

Initial Business Response /* (1000, 5, 2015/05/28) */
Dear [redacted],
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX). Accordingly, an investigation into your account is pending and we will provide a response to your complaint as soon as possible. We...

appreciate your patience and cooperation in the matter.
If you have any immediate questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (3000, 7, 2015/06/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
At this time I would like to get specific information regarding the status of my account. I would like a guaranty that the confidential information collected by Avant will not be used by anyone else.
Final Business Response /* (4000, 9, 2015/06/09) */
Dear [redacted],
We are sorry that you are dissatisfied with your customer experience at Avant. Here at Avant we pride ourselves in providing excellent customer service to all of our customer and take all feedback seriously.
We have reviewed your account and found that you began an inquiry for credit on May 8, 2015. Please be advised that you were inadvertently sent approval emails on May 11, 2015 and May 12, 2015. Subsequently, two expired application notices were sent on May 11, 2015 and May 14, 2015. We apologize for any confusion and conflicting messaging.
We have received your request to remove your information from our records. Please be advised that federal regulations under the Equal Credit Opportunity Act (ECOA) require us to keep all application information for a minimum of 25 months. These regulations prevent an institution from deleting such information. All information we gather is used only in accordance with our privacy policy, and protected by data encryption software. This software ensures that, even in the event of a security breach, the information will be unintelligible.
Avant will honor your request to opt out of advertising and mail offers. Please be advised you are still eligible for credit. If you would like to continue with the process, please contact us at X-XXX-XXX-XXXX.
We trust this explanation resolves this matter to your satisfaction. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any further questions or concerns, please do not hesitate to contact our Compliance Department at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department

Dear [redacted]Thank you for your comments. We are sorry to hear that you are
dissatisfied with your customer experience with Avant. Here at Avant we pride
ourselves in providing excellent customer service to all of our customers and
take all feedback seriously.As previously stated, the pre-approved offer in each letter is not
guaranteed if you no longer meet the credit criteria used to screen you, or you
do not meet additional criteria needed to be creditworthy for the offer. Credit
is determined on an individual basis and is based on a number of factors
including your credit score, repayment history, debt to income ratio, etc.,
which are evaluated upon submitting a request for a loan.On November 11, 2015, you submitted a second request for credit. With this
request, you were initially pre-approved for a loan in the amount of $1,300.00,
pending final verification. On November 12, 2015, as a part of the verification
process for your loan request, a three-way call was conducted between you, your
bank, and an Avant representative, in order to confirm the income reported on
your loan request. It was determined during this call that your actual monthly
income was lower than your reported income. Consequently, your loan request was
declined and you were sent a Notice of Adverse Action via email, indicating
that you were not eligible for a loan. Please note that at no time was it
communicated to you that your loan request had been approved. As we have previously communicated, Avant does not misappropriate customer
information. Federal regulations under the Equal Credit Opportunity Act (ECOA)
require us to keep all applicant information for a minimum of 25 months. All
information we gather is used only in accordance with our privacy policy, and
protected by data encryption software. This software ensures that, even in the
event of a security breach, the information will be unintelligible.Here at Avant we go to great lengths to ensure a transparent and customer
focused experience. If you have any additional questions or concerns, please
contact our Compliance Department directly at [email protected]. We
appreciate the opportunity to serve you.Sincerely,Avant Compliance
Department