Avant, LLC

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. Here at Avant, we pride ourselves in providing excellent service to all of our customers and take all...

feedback seriously.We have attempted to contact you via telephone multiple times regarding this matter but have been unable to reach you.As you are aware, on June 27, 2016, you contacted Avant telephonically to update the bank account on file, and to have your payment scheduled for that same day debited from the updated bank account. During this call, you were correctly informed that Avant requires customers to provide a voided check or bank statement in order to update the bank account on file. This documentation ensures that the new bank account is a personal account in the customer’s name, and assists Avant with preventing fraud and identity theft. We apologize for any inconvenience this policy may cause.Additionally, please note that Avant sends payment files to your bank one (1) business day in advance of your payment date. This is due to the processing time required by banks, and ensures that the bank processes the payment on the scheduled date. This requires that any changes to ACH payments be made at least one (1) business day in advance of the scheduled payment. Accordingly, you were correctly informed during the call that Avant was unable to honor your request to modify the payment due that same day. As a courtesy, Avant has not assessed a Non-Sufficient Funds fee due to your returned installment payment. If you wish to proceed with updating the bank account on file, you may do so by providing the requested documentation to [email protected]. If you do not wish to provide the requested documentation, you may opt out of automated ACH payments by sending a written request to the email address listed above, and instead make payments via debit or credit card, paper check, or money order.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 Elizabeth [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # 11098781). We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant we pride ourselves in providing excellent service to all of our customers and...

take all feedback seriously.According to our records, on December 17, 2015, you submitted a loan request via www.Avant.com. On December 19, 2015, your loan request was approved and you signed your Loan Agreement. Per your Loan Agreement, your first installment payment was due on January 22, 2016. On January 21, 2016, on or around 11:00 PM, you contacted Avant telephonically to advise that the bank account on file had been closed. You were advised at this time that all payment alteration requests must be communicated at least one business day before the payment is due; as it was after business hours on the day before your installment was due, Avant was unable to honor your request. At this time you were also advised that you would be assessed a Non-Sufficient Funds fee in the amount of $15.00 if this installment payment returned. Please be advised that, per your Loan Agreement, "we will charge you a Dishonored Payment Fee of $15.00 each time any payment we initiate or you make in connection with this Note or the Debt is returned unpaid”. Accordingly, we are unable to waive this fee. Here at Avant, we go to great lengths to ensure a transparent and customer-focused 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, 2015/10/16) */
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX). We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant we pride ourselves in providing...

excellent customer service to all of our customers and take all feedback seriously.
Our records indicate that you submitted an inquiry for credit with Avant on July 31, 2015. On this same day you were approved for a loan in the amount of $7,000.00 and executed your loan agreement. On September 8, 2015 you made your first installment payment in the amount of $267.29 via ACH.
On September 24, 2015 you contacted Avant telephonically in order to pay the remaining balance of your loan. You indicated that you wished to pay the remaining balance from a different bank account than the account on file. You were advised that, in order to update the bank account on file, you would need to submit a voided check, bank statement, or official bank document on bank letterhead showing the bank name and the full routing and account number. You were also advised that, upon receipt of this document, Avant would be able to update the bank account on file and schedule a payoff.
On September 29, 2015 Avant received a bank document via email which had been signed by the branch manager. As this document did not include the full routing and account numbers for your new bank account, Avant was unable to update the bank account on file. That same day, Avant subsequently contacted you via email with an explanation of why the submitted document was unacceptable, and provided a list of documents required to update the bank account on file.
Later that same day, you set up a full payoff via your Customer Dashboard via ACH, which was set to come out of the bank account on file on September 30, 2015. Please note that financial institutions need time to process ACH payments. Accordingly, all bank files for ACH payments are sent to your financial institution on the business day before, as is an industry standard procedure. As such, the bank file for the September 30, 2015 payment was sent to your bank on September 29, 2015 and could not be cancelled.
On September 30, 2015 Avant received a voided check via email showing all of the necessary information to update the bank account on file. Accordingly, on that same day, the bank account on file was updated. However, as you know, the payment set up by you via your Customer Dashboard had already been processed. Consequently, Avant was unable to set up a new payoff payment until this previously scheduled payment had returned. On Friday, October 2, 2015, the payment scheduled via your Customer Dashboard returned.
On October 5, 2015, you contacted Avant telephonically and set up a payoff payment scheduled for October 6, 2015, the next business day. This payment has been processed and your account is now paid in full.
Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department

Dear David [redacted],  As you know, Avant contacted you via email and confirmed all applicable amounts
had been refunded effective November 30, 2015. 
You confirmed receipt of this refund on December 1, 2015.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

Complaint: [redacted]
I am rejecting this response because: Yes they have everything listed that has happened on their end however they have not listed that I would call 2 plus times today to get an answer, and when I found out the bank had sent the check back to Avant and I let them know that I had talked to the bank and they told me they had returned due to it looking as fraud, that was back in May of 2016, who ever tried this was not able to get the money and I believe that avant knew this, but put me through stress and anger and almost costing someone jail time because they wanted to make a loan. and on August 26 when I supplied them with all my info and they responded that they had concluded their investigation and would do a tradeline removal on this account however here we are 9-7-2016 and still they have not removed, they posted it as showing late on this report in  the middle of the month so I know they can remove at anytime.  I think this company itself is fraud, if I was not keeping an eye on my report this could have been on here for years.  
Sincerely,
[redacted]

Dear [redacted],Thank you for your comments with regard to your complaint with the Revdex.com (Complaint ID # [redacted]. We are sorry to hear that you remain dissatisfied with your customer experience.As previously communicated, we are unable to remove the hard credit inquiry conducted on your credit report, as you expressly authorized and consented to this inquiry during the application process.Additionally, please note that a marriage certificate displaying your maiden name and your husband’s full legal name would be sufficient to help us verify the validity of the pay stubs you submitted as long as the last name listed on your pay stubs matches your husband’s last name as detailed on your marriage certificate.Furthermore, please be advised that at no point during any conversation with one of our specialists was it indicated to you that the bank statements you provided completely verified your child support.  As the child support deposited into your bank account varied in its amount, a court order was requested to help assist us in verifying the amount and frequency of this income.  As you were unable to provide your marriage certificate and child support court order, we were unable to consider both of these income sources in our final review process.  As a result, we were unable to approve your loan request, and your application was subsequently declined. Again, if you can furnish the requested documentation, you are still eligible to apply for a loan.  In order to continue with the loan request process, please complete your application by uploading your marriage certificate and child support court order to your customer dashboard.  Please note that these documents must include all pages, display your full name as it appears on your application, and remain unaltered.  However, please note that since 30 days have elapsed since the date of the initial submission of your application, a second hard inquiry may be required in order to continue with the loan request process.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

Initial Business Response /* (1000, 5, 2015/09/22) */
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Case #[redacted]. 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 [email protected]. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Initial Consumer Rebuttal /* (3000, 7, 2015/09/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have reached out to their compliance department in regards to this urgent situation and they have yet to assist. The only activity that I have seen is high debits from my account. Thank you.
Final Business Response /* (4000, 9, 2015/10/07) */
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.
Our records indicate that you submitted an inquiry for credit with AvantCredit on January 14, 2015. On January 20, 2015 you were approved for a line of credit with a credit limit of $3,180 and signed your Account Agreement. As you know, a decision has been made to transition away from the AvantCredit line of credit product. Accordingly, customers are no longer able to access new draws. That said, please be advised that all other terms of your line of credit will remain the same. It is important to note that at no time was your account transitioned to a closed-end installment loan.
Per your Account Agreement, your Minimum Payment Due each month is calculated by totaling the following amounts:
(1) Interest accrued during the billing cycle;
(2) An amortized portion of cash advance fees (1/24th of each cash advance fee);
(3) A percentage of your total outstanding principal balance at the end of each billing cycle;
(4) Any late payment fees and returned payment fees.
The percentage of your outstanding principal balance which is due is calculated in accordance with the chart outlined in your Account Agreement. This chart is also included in your monthly billing statements.
Please note that your outstanding principal balance on July 31, 2015 was $2,676.77, while your credit limit was $3,180. This means that your outstanding principal balance as a percentage of your credit limit fell in the 80% - 89% range. Accordingly, you were required to pay 4% of your principal balance as part of your minimum payment due August 17, 2015. Once this payment was made, your new outstanding principal balance as of August 31, 2015 was $2,531.04. Accordingly, your outstanding principal balance as a percentage of your credit limit fell in the 70% - 79% range, resulting in the required pay down percentage increasing to 4.5% of your principal balance. This increase in the pay down percentage resulted in a higher minimum monthly payment due on September 17, 2015. Your Minimum Payment Due each month may be higher or lower than the previous month based on the four (4) amounts described above.
After thoroughly reviewing your account, your monthly statements have been found to be accurate. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. Please do not hesitate to contact our Compliance Department directly at [email protected] with additional feedback. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department
Final Consumer Response /* (4200, 11, 2015/10/16) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There is no transparency at all. I still do not agree with my payments increasing each month although my balance is somewhat decreasing. And to add to that, It is illegal to change credit/loan agreement without notifying the consumer in writing. When I inquired as to the change, they responded that I would receive the change to the agreement. To date, I have not received any communication, except to debit my account. I am angry that Avant feel as though that they can do this without any concern. All other credit/loan institutions, that I have dealt with have communicated any and all changes to the their customers, because they have respect for the law that is in place to protect the consumer.

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.On July 19, 2016, you contacted Avant telephonically and stated that you would like to opt out of automatic ACH payments. Accordingly, Avant advised you that you must submit your request in writing. At this time, Avant also informed you how to make payments online via your customer dashboard. Later that same day, Avant received your notice via email that you were revoking ACH authorization and made the corresponding changes to your account.On August 26, 2016, you failed to make your installment payment as agreed. Accordingly, your account fell into “late” status. Please note, Avant did not have authorization to debit this payment from your bank account as you previously had requested to be opted out of automatic ACH payments.Once your account fell into “late” status, Avant made numerous attempts to contact you to inform you of your missed payment. Please be advised, each of these attempts to contact you were unanswered. Additionally, our records reflect that, while your account was past due, your customer dashboard notified you of the late status of your account and advised you to contact Avant telephonically in order to resolve the matter. According to our records, on September 22, 2016, you changed your upcoming installment payment due on September 26, 2016 from the amount of $335.09 to the amount of $400.00 via your customer dashboard. However, you did not provide Avant authorization to debit this payment. Accordingly, Avant was unable to debit this payment automatically, as you had previously revoked your ACH authorization. Upon receipt of your dispute with the Revdex.com, Avant performed an in-depth review of your account. Following this review, Avant has determined that all information reported on behalf of your account is accurate. Per your signed agreement, Avant may report information about your account, including late and missed payments, to the credit reporting agencies. Additionally, under the Fair Credit Reporting Act, Avant is unable to remove or modify any information submitted to a consumer reporting agency if the information is found to be complete and accurate.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

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. On June 29, 2016, you submitted an inquiry for credit via the Avant platform. You entered into a pre-approved status based upon the information you submitted. Please be advised, this process clearly discloses that rates and terms are subject to verification of the information you provide. In order to verify the income you claimed during your loan request, you provided Avant with tax documentation. On July 7, 2016, upon evaluation of the documents you provided, Avant determined that it could not verify the full amount of income that you had claimed. Accordingly, the rates and terms you were initially offered were invalidated. Based off of the information you provided, you did not qualify for adjusted rates and terms. However, in order to provide you with the opportunity to verify additional sources of income, your loan request remained open.  Following the invalidation of your initial terms, you were sent emails inviting you to sign a new pre-approved loan agreement. This email is sent to all customers with open loan requests who do not have a signed loan agreement on file. We apologize for any confusion this may have caused. Please note that these emails disclose that final approval may be subject to verification checks such as identity and income.As you are aware, no additional sources of income were verified following submission of your tax documentation. On July 10, 2016, Avant sent you a notice informing you that your application had expired. 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

Complaint: [redacted]
 
I am rejecting this response because:
Your not addressing my issue. I'm mad that your site mislead me. Making me believe I was approved my dollar amount was given. Then I had to give my checking account info. Then I got rejected. I believe you mislead me and displayed poor business practice.
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. We pride ourselves in providing excellent service to all of our customers and take all feedback seriously.As...

you are aware, on February 7, 2014, you completed an inquiry for credit with AvantCredit of Wisconsin, LLC (“Avant”). Your loan request was approved and you signed a loan agreement detailing the full rates and terms of the installment loan. Per your loan agreement, Avant may report information about your account to the credit bureaus including late payments, missed payments, or other defaults. Please be advised that Avant has performed a thorough investigation into your account and reviewed applicable court documentation relating to your Chapter 13 bankruptcy initially filed November 25, 2014. We have determined that your account with Avant has not been discharged under federal bankruptcy law. We are confident that we comply with all applicable state and federal rules, laws, and regulations.On November 30, 2015 this bankruptcy filing was closed with the disposition of “discharge not applicable.” Accordingly, regular reporting of your account resumed. Upon review, we have found that all information reported to the credit bureaus on behalf of your account is accurate, including its past due status. The Fair Credit Reporting Act (FCRA) prevents us from removing any information from your credit report which is found to be accurate and complete.     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 [redacted] Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you. Sincerely,Avant [redacted] Department

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

seriously. As you are aware, a paper check payment in the amount of $17,026.00 was received by Avant on November 23, 2016 to pay off your WebBank loan issued through the Avant Platform. WebBank is the credit issuer for the Avant Platform, a closed-end installment loan program, where Avant acts as the administrator and servicer of the program. Please be advised that there was a delay in applying this payment to your account due to an issue with our paper check processing service. We apologize for any inconvenience this delay may have caused.As your account reflected a balance during this delay, it remained open and, as a result, your November 30, 2016 installment payment was debited automatically from the bank account on file, per the ACH authorization you provided in your loan agreement. On December 6, 2016, this installment payment returned with a return code of [R07] which indicates that the account-holder informed the bank that the authorization for payments had been revoked. As a result, the bank account associated with your loan was marked as an invalid account and no further attempts to debit that account were made.On December 7, 2016, your paper check payment was applied to your account with an effective date of November 23, 2016. Please be advised that your account balance effective November 23, 2016 was $16,483.57. Accordingly, a refund in the amount of $542.43 has been approved for overpayment of your loan balance. Due to the fact that your bank account has been marked as invalid following the returned November 30, 2016 payment, this refund was issued via paper check and mailed to the address associated with your account on December 23, 2016. 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, 2015/08/17) */
Dear [redacted]
We are in receipt of your complaint with the Revdex.com (Case #XXXXXXXX). We are sorry to hear that you are dissatisfied with your customer experience with Avant. Here at Avant we pride ourselves in providing...

excellent customer service to all of our customers and take all feedback seriously.
As you know, on August 14, 2015 we reached out to you directly to resolve the issue and you indicated you were satisfied with our response. We appreciate your cooperation in this matter and apologize for any inconvenience.
Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]@Avant.com. We appreciate the opportunity to serve you.
Sincerely,
Avant Compliance Department

Complaint: [redacted]
I am rejecting this response because: I did not receive an email from you in August, 2017. Additionally, no further communication was received.
Sincerely,
Jeffrey [redacted]

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

seriously.On August 12, 2016, you contacted Avant telephonically and stated that you would be paying off your loan via paper check. At this time, you were provided with a payoff quote effective August 22, 2016 in the amount of $10,201.19, in an effort to provide you with sufficient time to mail in your payment. Additionally, you were correctly informed that all payments made via paper check are received at Avant’s P.O. Box address. At this time, Avant provided you with the correct P.O. Box address.On August 17, 2016, you contacted Avant telephonically and stated that the paper check you attempted to mail to Avant was returned to you. At this time, Avant confirmed that the P.O. Box address you were provided with was correct. Additionally, Avant Customer Support provided you with Avant’s corporate office address in an effort to assist you in mailing your payment. Following receipt of your dispute with the Revdex.com, Avant performed an in-depth investigation of your account. Following this investigation, Avant has determined that you were provided with the correct P.O. Box address to mail your payment. However, as a courtesy, Avant will honor your payoff quote effective August 15, 2016, in the amount of $10,132.15. If you would like to make this payoff via paper check, you may mail your payment to [redacted] Chicago, IL 60601. Please note, in addition paying via a paper check, payoffs may be made via money order or ACH from the bank account on file. Once your payment in the amount of $10,132.15 is received, your account will be considered paid in full. 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

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.As you know, Avant contacted you via telephone on March 30, 2016 regarding this matter. You were advised that, due to an isolated system issue, the payoff quote provided to you in the amount of $6,684.37 was lower than the outstanding balance of your account, resulting in a remaining balance once your payment in this amount was processed. This remaining balance was subsequently debited on March 21, 2016, your regularly scheduled installment date. However, as a courtesy, this payment has been refunded. Accordingly, we consider this matter resolved.Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you. Sincerely,Avant Compliance Department

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

and take all feedback seriously.According to our records, on April 22, 2014, you submitted a loan request with Avant. On April 23, 2015, you were approved for a loan in the amount of $2,500.00 and signed an agreement outlining the terms of the loan. Please be advised that all loan applications are considered in accordance with Avant’s established credit policy. The terms of your installment loan were clearly and fully disclosed on the company website, during the application process, and in your loan agreement prior to signing. Additionally, Avant is confident that we comply with all applicable state and federal rules, laws, and regulations.On June 18, 2014, you contacted Avant via telephone and requested to change the repayment date for the life of you loan from the 25th of each month to the 2nd of each month. On March 30, 2015, you contacted Avant telephonically and requested to move your April installment due date from April 2, 2015 to December 2, 2015 using your One-Time Courtesy. On July 17 2015, you contacted Avant via telephone and requested to move your August payment due date from August 3, 2015 to September 2, 2015. It should be noted that Avant accommodated each of the above-referenced requests accordingly.On September 9, 2015, your regularly scheduled installment payment was missed. On September 15, 2015, you contacted Avant telephonically and made a payment via debit card to satisfy the past due balance. On September 20, 2015, you utilized the Customer Dashboard via www.Avant.com to move your October installment payment due date from October 2, 2015 to October 30, 2015.  On October 30, 2015, your installment payment was missed. You contacted Avant telephonically on October 31, 2015 and made a payment via debit card to satisfy the past due balance. On November 2, 2015, you missed your regularly scheduled installment payment. On November 14, 2015, you contacted Avant via telephone and made a payment via debit card to satisfy the past due balance. Pursuant to your loan agreement, interest accrues on the outstanding principal balance of your loan on a daily basis. Payments are applied first to outstanding charges, if any, then to accrued interest, and then to principal. Accordingly, if any payments are paid after their original due date, including the above-mentioned payments, this may result in additional interest accruing on your account. On December 1, 2015, you contacted Avant telephonically in order to inquire about the status of your loan. Due to an isolated system issue, you were provided with a payoff quote, effective December 16, 2015 in the amount of $67.28. The correct payoff quote to pay your balance in full on this date was $332.65.  Please note that the remaining balance on your account was due to the additional interest that had accrued from your late payments, as well as your use of payment deferments. As a courtesy, Avant has waived the remaining balance of your account, and your loan is now paid in full. Here at Avant we go to great lengths to ensure a transparent and customer focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted] We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

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

Dear [redacted],We are in receipt of your complaint with the Revdex.com (Complaint ID # [redacted]). 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.On April 15th, 2016 you began an application with Avant via LendingTree.  As you know, that same day you were sent a welcome email which included information specific to your application with Avant.  The following day you called Avant to inquire about the terms of our installment loans. The representative answered your questions regarding your loan request and correctly advised you that you had not submitted a final application at that time. Additionally, our specialist made clear that, in order for us to review your application for credit, you first would have to complete the application process.  Please also note that, during the course of the conversation, you specifically acknowledged that in order to complete your application you would have to do so at Avant.com.  Later that day you completed your application and proceeded to sign a loan agreement detailing the terms of your installment loan.On April 16th, 2016 one of our originations specialists called you to verify the information you provided on your recently completed application.  After our specialist identified themselves as an Avant employee, the specialist proceeded to inform you that Avant only needed to verify your place of employment to complete the final verifications process.  Please be advised that at no point during this conversation or any previous conversation did you indicate or imply that you had not applied for a loan with Avant.On May 31st, 2016, you contacted Avant and claimed that you had not applied for a loan through the Avant Platform. After confirming with your bank that you had indeed received funds from Avant, you agreed to schedule a payment for the remaining balance of your loan. At that time, the representative who scheduled the payment mistakenly informed you that your payment would be applied directly to the principal balance of your loan and the remaining interest would be waived. Per your signed loan agreement, all payments are applied first to outstanding fees, if any, then to accrued interest, and finally to principal. Accordingly, a remaining balance was left on your account following your attempted payoff. On June 21, 2016, as your account remained open with a balance, your regularly scheduled installment payment was attempted as agreed. Due to a stop payment filed with your bank, that payment was subsequently returned. Note that no further attempts to debit the bank account on file have been made. On that same day, you contacted Avant inquiring about the payment and again claiming that the loan was not yours. Accordingly, on June 22, 2016, an Identity Theft Victim’s Affidavit was provided to you and, as a courtesy, a supervisor contacted you via telephone in order to address your concerns and to provide explicit instructions for filing a fraud claim. On November 29, 2016, you contacted Avant via email stating again that your financial information had been compromised and requesting that your account be closed. In response, on December 14, 2016, a second Identity Theft Victim’s Affidavit with corresponding instructions for filing an identity theft claim with Avant was provided to you via email. Please note that Avant has not received any of the requested documentation from you and, as such, an investigation into your identity theft claim cannot begin. We apologize for any inconvenience which may have been caused by the misinformation you were provided. As a courtesy, we have waived the remaining balance of your loan, and your loan has been marked as paid in full as of your final payment made on June 2, 2016. Additionally, we take claims of identity theft very seriously here at Avant. Accordingly, we have sent a third copy of the Identity Theft Victim’s Affidavit, as well as instructions for filing an identity theft claim, to the email address associated with your complaint. Again, please note that the requested documentation must be completed and returned to Avant in order for an investigation into your claim to begin. We trust this explanation resolves this matter. At Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department

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

seriously.As you know, on April 26, 2016, Avant contacted you telephonically regarding your complaint about the balance of your loan reflected on your customer dashboard. During this call, Avant informed you that the remaining balance on your account had been waived and your loan is reflected as paid in full. You indicated that you were satisfied with the result. Accordingly, we consider this matter resolved. We apologize for any inconvenience.We trust this explanation resolves this matter. Here at Avant, we go to great lengths to ensure a transparent and customer-focused experience. If you have any additional questions or concerns, please contact our Compliance Department directly at [redacted]. We appreciate the opportunity to serve you.Sincerely,Avant Compliance Department